id	sid	tid	token	lemma	pos
emaj-264	1	1	volume	volume	NOUN
emaj-264	1	2	7	7	NUM
emaj-264	1	3	no	no	DET
emaj-264	1	4	2	2	NUM
emaj-264	1	5	(	(	PUNCT
emaj-264	1	6	2018	2018	NUM
emaj-264	1	7	)	)	PUNCT
emaj-264	2	1	|	|	ADV
emaj-264	2	2	issn	issn	VERB
emaj-264	2	3	2158	2158	NUM
emaj-264	2	4	-	-	SYM
emaj-264	2	5	8708	8708	NUM
emaj-264	2	6	(	(	PUNCT
emaj-264	2	7	online	online	NOUN
emaj-264	2	8	)	)	PUNCT
emaj-264	2	9	|	|	ADV
emaj-264	2	10	doi	doi	X
emaj-264	2	11	10.5195	10.5195	NUM
emaj-264	2	12	/	/	SYM
emaj-264	2	13	emaj.2018.134	emaj.2018.134	PROPN
emaj-264	3	1	|	|	ADV
emaj-264	3	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-264	3	3	effect	effect	NOUN
emaj-264	3	4	of	of	ADP
emaj-264	3	5	interest	interest	NOUN
emaj-264	3	6	rate	rate	NOUN
emaj-264	3	7	spread	spread	VERB
emaj-264	3	8	and	and	CCONJ
emaj-264	3	9	bank	bank	NOUN
emaj-264	3	10	specific	specific	ADJ
emaj-264	3	11	factors	factor	NOUN
emaj-264	3	12	on	on	ADP
emaj-264	3	13	survival	survival	NOUN
emaj-264	3	14	of	of	ADP
emaj-264	3	15	tier	tier	NOUN
emaj-264	3	16	-	-	PUNCT
emaj-264	3	17	one	one	NUM
emaj-264	3	18	and	and	CCONJ
emaj-264	3	19	tier	tier	NOUN
emaj-264	3	20	-	-	PUNCT
emaj-264	3	21	two	two	NUM
emaj-264	3	22	deposit	deposit	NOUN
emaj-264	3	23	money	money	NOUN
emaj-264	3	24	banks	bank	NOUN
emaj-264	3	25	in	in	ADP
emaj-264	3	26	nigeria	nigeria	PROPN
emaj-264	3	27	segun	segun	VERB
emaj-264	3	28	kamoru	kamoru	PROPN
emaj-264	4	1	fakunmoju	fakunmoju	PROPN
emaj-264	4	2	lagos	lagos	PROPN
emaj-264	4	3	state	state	PROPN
emaj-264	4	4	university	university	PROPN
emaj-264	4	5	,	,	PUNCT
emaj-264	4	6	nigeria	nigeria	PROPN
emaj-264	5	1	|	|	ADV
emaj-264	5	2	e	e	NOUN
emaj-264	5	3	-	-	NOUN
emaj-264	5	4	mail	mail	NOUN
emaj-264	5	5	:	:	PUNCT
emaj-264	5	6	k.fakunmoju@gmail.com	k.fakunmoju@gmail.com	PROPN
emaj-264	5	7	babatunde	babatunde	PROPN
emaj-264	5	8	jinadu	jinadu	ADJ
emaj-264	5	9	lagos	lagos	PROPN
emaj-264	5	10	state	state	PROPN
emaj-264	5	11	university	university	PROPN
emaj-264	5	12	,	,	PUNCT
emaj-264	5	13	nigeria	nigeria	PROPN
emaj-264	6	1	|	|	ADV
emaj-264	6	2	e	e	NOUN
emaj-264	6	3	-	-	NOUN
emaj-264	6	4	mail	mail	NOUN
emaj-264	6	5	:	:	PUNCT
emaj-264	7	1	mybjinadu@gmail.com	mybjinadu@gmail.com	X
emaj-264	7	2	alexander	alexander	PROPN
emaj-264	7	3	a.	a.	PROPN
emaj-264	7	4	akindele	akindele	PROPN
emaj-264	7	5	lagos	lagos	PROPN
emaj-264	7	6	state	state	PROPN
emaj-264	7	7	university	university	PROPN
emaj-264	7	8	,	,	PUNCT
emaj-264	7	9	nigeria	nigeria	PROPN
emaj-264	8	1	|	|	ADV
emaj-264	8	2	e	e	NOUN
emaj-264	8	3	-	-	NOUN
emaj-264	8	4	mail	mail	NOUN
emaj-264	8	5	:	:	PUNCT
emaj-264	9	1	lexfad77@gmail.com	lexfad77@gmail.com	X
emaj-264	9	2	abstract	abstract	ADJ
emaj-264	9	3	in	in	ADP
emaj-264	9	4	today	today	NOUN
emaj-264	9	5	’s	’s	PART
emaj-264	9	6	economic	economic	ADJ
emaj-264	9	7	setting	setting	NOUN
emaj-264	9	8	,	,	PUNCT
emaj-264	9	9	there	there	PRON
emaj-264	9	10	must	must	AUX
emaj-264	9	11	be	be	AUX
emaj-264	9	12	a	a	DET
emaj-264	9	13	healthy	healthy	ADJ
emaj-264	9	14	banking	banking	NOUN
emaj-264	9	15	sector	sector	NOUN
emaj-264	9	16	for	for	SCONJ
emaj-264	9	17	banks	bank	NOUN
emaj-264	9	18	to	to	PART
emaj-264	9	19	survive	survive	VERB
emaj-264	9	20	.	.	PUNCT
emaj-264	10	1	banks	bank	NOUN
emaj-264	10	2	survival	survival	NOUN
emaj-264	10	3	determine	determine	VERB
emaj-264	10	4	sound	sound	ADJ
emaj-264	10	5	financial	financial	ADJ
emaj-264	10	6	mediator	mediator	NOUN
emaj-264	10	7	in	in	ADP
emaj-264	10	8	achieving	achieve	VERB
emaj-264	10	9	economic	economic	ADJ
emaj-264	10	10	performance	performance	NOUN
emaj-264	10	11	.	.	PUNCT
emaj-264	11	1	however	however	ADV
emaj-264	11	2	,	,	PUNCT
emaj-264	11	3	bank	bank	NOUN
emaj-264	11	4	spread	spread	VERB
emaj-264	11	5	and	and	CCONJ
emaj-264	11	6	unstable	unstable	ADJ
emaj-264	11	7	policies	policy	NOUN
emaj-264	11	8	towards	towards	ADP
emaj-264	11	9	bank	bank	NOUN
emaj-264	11	10	specific	specific	ADJ
emaj-264	11	11	factors	factor	NOUN
emaj-264	11	12	have	have	AUX
emaj-264	11	13	become	become	VERB
emaj-264	11	14	threat	threat	NOUN
emaj-264	11	15	to	to	ADP
emaj-264	11	16	bank	bank	NOUN
emaj-264	11	17	survival	survival	NOUN
emaj-264	11	18	in	in	ADP
emaj-264	11	19	nigeria	nigeria	PROPN
emaj-264	11	20	.	.	PUNCT
emaj-264	12	1	secondary	secondary	ADJ
emaj-264	12	2	data	datum	NOUN
emaj-264	12	3	and	and	CCONJ
emaj-264	12	4	ex	ex	NOUN
emaj-264	12	5	-	-	ADJ
emaj-264	12	6	post	post	ADJ
emaj-264	12	7	facto	facto	X
emaj-264	12	8	research	research	NOUN
emaj-264	12	9	design	design	NOUN
emaj-264	12	10	were	be	AUX
emaj-264	12	11	used	use	VERB
emaj-264	12	12	within	within	ADP
emaj-264	12	13	the	the	DET
emaj-264	12	14	period	period	NOUN
emaj-264	12	15	of	of	ADP
emaj-264	12	16	2011	2011	NUM
emaj-264	12	17	-	-	SYM
emaj-264	12	18	2020	2020	NUM
emaj-264	12	19	for	for	ADP
emaj-264	12	20	both	both	DET
emaj-264	12	21	tier-1	tier-1	NUM
emaj-264	12	22	and	and	CCONJ
emaj-264	12	23	tier-2	tier-2	NUM
emaj-264	12	24	deposit	deposit	NOUN
emaj-264	12	25	money	money	NOUN
emaj-264	12	26	banks	bank	NOUN
emaj-264	12	27	in	in	ADP
emaj-264	12	28	nigeria	nigeria	PROPN
emaj-264	12	29	.	.	PUNCT
emaj-264	13	1	the	the	DET
emaj-264	13	2	study	study	NOUN
emaj-264	13	3	found	find	VERB
emaj-264	13	4	that	that	SCONJ
emaj-264	13	5	interest	interest	NOUN
emaj-264	13	6	rate	rate	NOUN
emaj-264	13	7	spread	spread	NOUN
emaj-264	13	8	,	,	PUNCT
emaj-264	13	9	asset	asset	NOUN
emaj-264	13	10	quality	quality	NOUN
emaj-264	13	11	,	,	PUNCT
emaj-264	13	12	management	management	NOUN
emaj-264	13	13	efficiency	efficiency	NOUN
emaj-264	13	14	,	,	PUNCT
emaj-264	13	15	bank	bank	NOUN
emaj-264	13	16	size	size	NOUN
emaj-264	13	17	and	and	CCONJ
emaj-264	13	18	board	board	NOUN
emaj-264	13	19	size	size	NOUN
emaj-264	13	20	affect	affect	VERB
emaj-264	13	21	bank	bank	PROPN
emaj-264	13	22	survival	survival	NOUN
emaj-264	13	23	in	in	ADP
emaj-264	13	24	nigeria	nigeria	PROPN
emaj-264	13	25	.	.	PUNCT
emaj-264	14	1	the	the	DET
emaj-264	14	2	study	study	NOUN
emaj-264	14	3	suggests	suggest	VERB
emaj-264	14	4	that	that	SCONJ
emaj-264	14	5	bank	bank	NOUN
emaj-264	14	6	managers	manager	NOUN
emaj-264	14	7	should	should	AUX
emaj-264	14	8	give	give	VERB
emaj-264	14	9	maximum	maximum	ADJ
emaj-264	14	10	attention	attention	NOUN
emaj-264	14	11	to	to	ADP
emaj-264	14	12	interest	interest	NOUN
emaj-264	14	13	rate	rate	NOUN
emaj-264	14	14	spread	spread	NOUN
emaj-264	14	15	,	,	PUNCT
emaj-264	14	16	and	and	CCONJ
emaj-264	14	17	bank	bank	NOUN
emaj-264	14	18	specific	specific	ADJ
emaj-264	14	19	factor	factor	NOUN
emaj-264	14	20	like	like	ADP
emaj-264	14	21	asset	asset	NOUN
emaj-264	14	22	quality	quality	NOUN
emaj-264	14	23	,	,	PUNCT
emaj-264	14	24	management	management	NOUN
emaj-264	14	25	efficiency	efficiency	NOUN
emaj-264	14	26	,	,	PUNCT
emaj-264	14	27	bank	bank	NOUN
emaj-264	14	28	size	size	NOUN
emaj-264	14	29	and	and	CCONJ
emaj-264	14	30	board	board	NOUN
emaj-264	14	31	size	size	NOUN
emaj-264	14	32	so	so	SCONJ
emaj-264	14	33	as	as	SCONJ
emaj-264	14	34	to	to	PART
emaj-264	14	35	ensure	ensure	VERB
emaj-264	14	36	their	their	PRON
emaj-264	14	37	survival	survival	NOUN
emaj-264	14	38	.	.	PUNCT
emaj-264	15	1	keywords	keyword	NOUN
emaj-264	15	2	:	:	PUNCT
emaj-264	15	3	assets	asset	NOUN
emaj-264	15	4	quality	quality	NOUN
emaj-264	15	5	,	,	PUNCT
emaj-264	15	6	bank	bank	NOUN
emaj-264	15	7	size	size	NOUN
emaj-264	15	8	,	,	PUNCT
emaj-264	15	9	capital	capital	NOUN
emaj-264	15	10	adequacy	adequacy	NOUN
emaj-264	15	11	,	,	PUNCT
emaj-264	15	12	management	management	NOUN
emaj-264	15	13	efficiency	efficiency	NOUN
emaj-264	15	14	,	,	PUNCT
emaj-264	15	15	spread	spread	VERB
emaj-264	15	16	new	new	ADJ
emaj-264	15	17	articles	article	NOUN
emaj-264	15	18	in	in	ADP
emaj-264	15	19	this	this	DET
emaj-264	15	20	journal	journal	NOUN
emaj-264	15	21	are	be	AUX
emaj-264	15	22	licensed	license	VERB
emaj-264	15	23	under	under	ADP
emaj-264	15	24	a	a	DET
emaj-264	15	25	creative	creative	ADJ
emaj-264	15	26	commons	common	NOUN
emaj-264	15	27	attribution	attribution	NOUN
emaj-264	15	28	3.0	3.0	NUM
emaj-264	15	29	united	unite	VERB
emaj-264	15	30	states	states	PROPN
emaj-264	15	31	license	license	NOUN
emaj-264	15	32	.	.	PUNCT
emaj-264	16	1	this	this	DET
emaj-264	16	2	journal	journal	NOUN
emaj-264	16	3	is	be	AUX
emaj-264	16	4	published	publish	VERB
emaj-264	16	5	by	by	ADP
emaj-264	16	6	the	the	DET
emaj-264	16	7	university	university	NOUN
emaj-264	16	8	library	library	NOUN
emaj-264	16	9	system	system	NOUN
emaj-264	16	10	of	of	ADP
emaj-264	16	11	the	the	DET
emaj-264	16	12	university	university	PROPN
emaj-264	16	13	of	of	ADP
emaj-264	16	14	pittsburgh	pittsburgh	PROPN
emaj-264	16	15	as	as	ADP
emaj-264	16	16	part	part	NOUN
emaj-264	16	17	of	of	ADP
emaj-264	16	18	its	its	PRON
emaj-264	16	19	d	d	NOUN
emaj-264	16	20	-	-	PUNCT
emaj-264	16	21	scribe	scribe	VERB
emaj-264	16	22	digital	digital	ADJ
emaj-264	16	23	publishing	publishing	NOUN
emaj-264	16	24	program	program	NOUN
emaj-264	16	25	,	,	PUNCT
emaj-264	16	26	and	and	CCONJ
emaj-264	16	27	is	be	AUX
emaj-264	16	28	cosponsored	cosponsor	VERB
emaj-264	16	29	by	by	ADP
emaj-264	16	30	the	the	DET
emaj-264	16	31	university	university	PROPN
emaj-264	16	32	of	of	ADP
emaj-264	16	33	pittsburgh	pittsburgh	PROPN
emaj-264	16	34	press	press	NOUN
emaj-264	16	35	.	.	PUNCT
emaj-264	17	1	volume	volume	NOUN
emaj-264	17	2	12	12	NUM
emaj-264	17	3	no	no	DET
emaj-264	17	4	2	2	NUM
emaj-264	17	5	(	(	PUNCT
emaj-264	17	6	2022	2022	NUM
emaj-264	17	7	)	)	PUNCT
emaj-264	17	8	|	|	ADV
emaj-264	17	9	issn	issn	VERB
emaj-264	17	10	2158	2158	NUM
emaj-264	17	11	-	-	SYM
emaj-264	17	12	8708	8708	NUM
emaj-264	17	13	(	(	PUNCT
emaj-264	17	14	online	online	NOUN
emaj-264	17	15	)	)	PUNCT
emaj-264	17	16	|	|	ADV
emaj-264	17	17	doi	doi	X
emaj-264	17	18	10.5195	10.5195	NUM
emaj-264	17	19	/	/	SYM
emaj-264	17	20	emaj.2022.264	emaj.2022.264	PROPN
emaj-264	17	21	|	|	ADV
emaj-264	17	22	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-264	17	23	|	|	ADV
emaj-264	18	1	mailto:k.fakunmoju@gmail.com	mailto:k.fakunmoju@gmail.com	X
emaj-264	18	2	mailto:mybjinadu@gmail.com	mailto:mybjinadu@gmail.com	X
emaj-264	18	3	mailto:lexfad77@gmail.com	mailto:lexfad77@gmail.com	X
emaj-264	18	4	http://www.library.pitt.edu/	http://www.library.pitt.edu/	PROPN
emaj-264	18	5	http://www.pitt.edu/	http://www.pitt.edu/	NOUN
emaj-264	18	6	http://www.library.pitt.edu/articles/digpubtype/index.html	http://www.library.pitt.edu/articles/digpubtype/index.html	X
emaj-264	19	1	http://www.upress.pitt.edu/upressindex.aspx	http://www.upress.pitt.edu/upressindex.aspx	NUM
emaj-264	19	2	http://creativecommons.org/licenses/by/3.0/us/	http://creativecommons.org/licenses/by/3.0/us/	NOUN
emaj-264	19	3	volume	volume	NOUN
emaj-264	19	4	12	12	NUM
emaj-264	19	5	no	no	DET
emaj-264	19	6	2	2	NUM
emaj-264	19	7	(	(	PUNCT
emaj-264	19	8	2022	2022	NUM
emaj-264	19	9	)	)	PUNCT
emaj-264	19	10	|	|	ADV
emaj-264	19	11	issn	issn	VERB
emaj-264	19	12	2158	2158	NUM
emaj-264	19	13	-	-	SYM
emaj-264	19	14	8708	8708	NUM
emaj-264	19	15	(	(	PUNCT
emaj-264	19	16	online	online	NOUN
emaj-264	19	17	)	)	PUNCT
emaj-264	19	18	|	|	ADV
emaj-264	19	19	doi	doi	X
emaj-264	19	20	10.5195	10.5195	NUM
emaj-264	19	21	/	/	SYM
emaj-264	19	22	emaj.2022.264	emaj.2022.264	PROPN
emaj-264	19	23	|	|	ADV
emaj-264	19	24	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-264	19	25	effect	effect	NOUN
emaj-264	19	26	of	of	ADP
emaj-264	19	27	interest	interest	NOUN
emaj-264	19	28	rate	rate	NOUN
emaj-264	19	29	spread	spread	VERB
emaj-264	19	30	and	and	CCONJ
emaj-264	19	31	bank	bank	NOUN
emaj-264	19	32	specific	specific	ADJ
emaj-264	19	33	factors	factor	NOUN
emaj-264	19	34	on	on	ADP
emaj-264	19	35	survival	survival	NOUN
emaj-264	19	36	of	of	ADP
emaj-264	19	37	tier	tier	NOUN
emaj-264	19	38	-	-	PUNCT
emaj-264	19	39	one	one	NUM
emaj-264	19	40	and	and	CCONJ
emaj-264	19	41	tier	tier	NOUN
emaj-264	19	42	-	-	PUNCT
emaj-264	19	43	two	two	NUM
emaj-264	19	44	deposit	deposit	NOUN
emaj-264	19	45	money	money	NOUN
emaj-264	19	46	banks	bank	NOUN
emaj-264	19	47	in	in	ADP
emaj-264	19	48	nigeria	nigeria	PROPN
emaj-264	19	49	page	page	NOUN
emaj-264	19	50	|20|	|20|	NOUN
emaj-264	19	51	emerging	emerge	VERB
emaj-264	19	52	markets	market	NOUN
emaj-264	19	53	journal	journal	NOUN
emaj-264	19	54	effect	effect	NOUN
emaj-264	19	55	of	of	ADP
emaj-264	19	56	interest	interest	NOUN
emaj-264	19	57	rate	rate	NOUN
emaj-264	19	58	spread	spread	VERB
emaj-264	19	59	and	and	CCONJ
emaj-264	19	60	bank	bank	NOUN
emaj-264	19	61	specific	specific	ADJ
emaj-264	19	62	factors	factor	NOUN
emaj-264	19	63	on	on	ADP
emaj-264	19	64	survival	survival	NOUN
emaj-264	19	65	of	of	ADP
emaj-264	19	66	tier	tier	NOUN
emaj-264	19	67	-	-	PUNCT
emaj-264	19	68	one	one	NUM
emaj-264	19	69	and	and	CCONJ
emaj-264	19	70	tiertwo	tiertwo	NUM
emaj-264	19	71	deposit	deposit	NOUN
emaj-264	19	72	money	money	NOUN
emaj-264	19	73	banks	bank	NOUN
emaj-264	19	74	in	in	ADP
emaj-264	19	75	nigeria	nigeria	PROPN
emaj-264	19	76	segun	segun	VERB
emaj-264	19	77	kamoru	kamoru	PROPN
emaj-264	19	78	fakunmoju	fakunmoju	PROPN
emaj-264	19	79	babatunde	babatunde	PROPN
emaj-264	19	80	jinadu	jinadu	ADJ
emaj-264	19	81	alexander	alexander	PROPN
emaj-264	19	82	a.	a.	PROPN
emaj-264	19	83	akindele	akindele	PROPN
emaj-264	19	84	i.	i.	PROPN
emaj-264	19	85	introduction	introduction	PROPN
emaj-264	19	86	banks	bank	NOUN
emaj-264	19	87	and	and	CCONJ
emaj-264	19	88	other	other	ADJ
emaj-264	19	89	financial	financial	ADJ
emaj-264	19	90	entities	entity	NOUN
emaj-264	19	91	are	be	AUX
emaj-264	19	92	pivotal	pivotal	ADJ
emaj-264	19	93	in	in	ADP
emaj-264	19	94	mediating	mediate	VERB
emaj-264	19	95	the	the	DET
emaj-264	19	96	flow	flow	NOUN
emaj-264	19	97	of	of	ADP
emaj-264	19	98	funds	fund	NOUN
emaj-264	19	99	within	within	ADP
emaj-264	19	100	the	the	DET
emaj-264	19	101	economy	economy	NOUN
emaj-264	19	102	.	.	PUNCT
emaj-264	20	1	channeling	channel	VERB
emaj-264	20	2	funds	fund	NOUN
emaj-264	20	3	from	from	ADP
emaj-264	20	4	the	the	DET
emaj-264	20	5	surplus	surplus	ADJ
emaj-264	20	6	side	side	NOUN
emaj-264	20	7	to	to	ADP
emaj-264	20	8	the	the	DET
emaj-264	20	9	deficit	deficit	NOUN
emaj-264	20	10	side	side	NOUN
emaj-264	20	11	of	of	ADP
emaj-264	20	12	the	the	DET
emaj-264	20	13	economy	economy	NOUN
emaj-264	20	14	to	to	PART
emaj-264	20	15	enhance	enhance	VERB
emaj-264	20	16	economic	economic	ADJ
emaj-264	20	17	growth	growth	NOUN
emaj-264	20	18	and	and	CCONJ
emaj-264	20	19	productivity	productivity	NOUN
emaj-264	20	20	,	,	PUNCT
emaj-264	20	21	bank	bank	NOUN
emaj-264	20	22	’s	’s	PART
emaj-264	20	23	stability	stability	NOUN
emaj-264	20	24	becomes	become	VERB
emaj-264	20	25	a	a	DET
emaj-264	20	26	significant	significant	ADJ
emaj-264	20	27	factor	factor	NOUN
emaj-264	20	28	for	for	SCONJ
emaj-264	20	29	the	the	DET
emaj-264	20	30	government	government	NOUN
emaj-264	20	31	to	to	PART
emaj-264	20	32	always	always	ADV
emaj-264	20	33	consider	consider	VERB
emaj-264	20	34	,	,	PUNCT
emaj-264	20	35	monitor	monitor	NOUN
emaj-264	20	36	,	,	PUNCT
emaj-264	20	37	and	and	CCONJ
emaj-264	20	38	carefully	carefully	ADV
emaj-264	20	39	promote	promote	VERB
emaj-264	20	40	since	since	SCONJ
emaj-264	20	41	any	any	DET
emaj-264	20	42	threat	threat	NOUN
emaj-264	20	43	to	to	ADP
emaj-264	20	44	banks	bank	NOUN
emaj-264	20	45	’	'	PUNCT
emaj-264	20	46	survival	survival	NOUN
emaj-264	20	47	is	be	AUX
emaj-264	20	48	an	an	DET
emaj-264	20	49	indirect	indirect	ADJ
emaj-264	20	50	threat	threat	NOUN
emaj-264	20	51	to	to	ADP
emaj-264	20	52	economic	economic	ADJ
emaj-264	20	53	stability	stability	NOUN
emaj-264	20	54	and	and	CCONJ
emaj-264	20	55	productivity	productivity	NOUN
emaj-264	20	56	.	.	PUNCT
emaj-264	21	1	the	the	DET
emaj-264	21	2	survival	survival	NOUN
emaj-264	21	3	of	of	ADP
emaj-264	21	4	banks	bank	NOUN
emaj-264	21	5	for	for	ADP
emaj-264	21	6	economic	economic	ADJ
emaj-264	21	7	growth	growth	NOUN
emaj-264	21	8	and	and	CCONJ
emaj-264	21	9	development	development	NOUN
emaj-264	21	10	can	can	AUX
emaj-264	21	11	not	not	PART
emaj-264	21	12	be	be	AUX
emaj-264	21	13	overemphasized	overemphasize	VERB
emaj-264	21	14	as	as	SCONJ
emaj-264	21	15	they	they	PRON
emaj-264	21	16	are	be	AUX
emaj-264	21	17	the	the	DET
emaj-264	21	18	mediator	mediator	NOUN
emaj-264	21	19	in	in	ADP
emaj-264	21	20	the	the	DET
emaj-264	21	21	finance	finance	NOUN
emaj-264	21	22	of	of	ADP
emaj-264	21	23	the	the	DET
emaj-264	21	24	economy	economy	NOUN
emaj-264	21	25	(	(	PUNCT
emaj-264	21	26	kocenda	kocenda	PROPN
emaj-264	21	27	&	&	CCONJ
emaj-264	21	28	iwasaki	iwasaki	PROPN
emaj-264	21	29	,	,	PUNCT
emaj-264	21	30	2021	2021	NUM
emaj-264	21	31	)	)	PUNCT
emaj-264	21	32	.	.	PUNCT
emaj-264	22	1	for	for	SCONJ
emaj-264	22	2	an	an	DET
emaj-264	22	3	economy	economy	NOUN
emaj-264	22	4	to	to	PART
emaj-264	22	5	be	be	AUX
emaj-264	22	6	stable	stable	ADJ
emaj-264	22	7	in	in	ADP
emaj-264	22	8	its	its	PRON
emaj-264	22	9	growth	growth	NOUN
emaj-264	22	10	,	,	PUNCT
emaj-264	22	11	it	it	PRON
emaj-264	22	12	is	be	AUX
emaj-264	22	13	mandatory	mandatory	ADJ
emaj-264	22	14	to	to	PART
emaj-264	22	15	have	have	VERB
emaj-264	22	16	a	a	DET
emaj-264	22	17	banking	banking	NOUN
emaj-264	22	18	sector	sector	NOUN
emaj-264	22	19	that	that	PRON
emaj-264	22	20	is	be	AUX
emaj-264	22	21	financially	financially	ADV
emaj-264	22	22	healthy	healthy	ADJ
emaj-264	22	23	.	.	PUNCT
emaj-264	23	1	the	the	DET
emaj-264	23	2	camels	camel	NOUN
emaj-264	23	3	supervisory	supervisory	ADJ
emaj-264	23	4	rating	rating	NOUN
emaj-264	23	5	method	method	NOUN
emaj-264	23	6	is	be	AUX
emaj-264	23	7	utilized	utilize	VERB
emaj-264	23	8	for	for	ADP
emaj-264	23	9	accurate	accurate	ADJ
emaj-264	23	10	bank	bank	NOUN
emaj-264	23	11	health	health	NOUN
emaj-264	23	12	assessments	assessment	NOUN
emaj-264	23	13	.	.	PUNCT
emaj-264	24	1	capital	capital	PROPN
emaj-264	24	2	sufficiency	sufficiency	NOUN
emaj-264	24	3	,	,	PUNCT
emaj-264	24	4	asset	asset	NOUN
emaj-264	24	5	quality	quality	NOUN
emaj-264	24	6	,	,	PUNCT
emaj-264	24	7	management	management	NOUN
emaj-264	24	8	quality	quality	NOUN
emaj-264	24	9	,	,	PUNCT
emaj-264	24	10	profitability	profitability	NOUN
emaj-264	24	11	,	,	PUNCT
emaj-264	24	12	liquidity	liquidity	NOUN
emaj-264	24	13	,	,	PUNCT
emaj-264	24	14	and	and	CCONJ
emaj-264	24	15	market	market	NOUN
emaj-264	24	16	vulnerability	vulnerability	NOUN
emaj-264	24	17	are	be	AUX
emaj-264	24	18	the	the	DET
emaj-264	24	19	six	six	NUM
emaj-264	24	20	pillars	pillar	NOUN
emaj-264	24	21	of	of	ADP
emaj-264	24	22	the	the	DET
emaj-264	24	23	camels	camel	NOUN
emaj-264	24	24	framework	framework	NOUN
emaj-264	24	25	(	(	PUNCT
emaj-264	24	26	kocenda	kocenda	PROPN
emaj-264	24	27	&	&	CCONJ
emaj-264	24	28	iwasaki	iwasaki	PROPN
emaj-264	24	29	,	,	PUNCT
emaj-264	24	30	2021	2021	NUM
emaj-264	24	31	)	)	PUNCT
emaj-264	24	32	.	.	PUNCT
emaj-264	25	1	the	the	DET
emaj-264	25	2	insolvency	insolvency	NOUN
emaj-264	25	3	of	of	ADP
emaj-264	25	4	a	a	DET
emaj-264	25	5	bank	bank	NOUN
emaj-264	25	6	contributes	contribute	VERB
emaj-264	25	7	to	to	ADP
emaj-264	25	8	the	the	DET
emaj-264	25	9	population	population	NOUN
emaj-264	25	10	experiencing	experience	VERB
emaj-264	25	11	financial	financial	ADJ
emaj-264	25	12	difficulties	difficulty	NOUN
emaj-264	25	13	in	in	ADP
emaj-264	25	14	view	view	NOUN
emaj-264	25	15	of	of	ADP
emaj-264	25	16	them	they	PRON
emaj-264	25	17	entrusting	entrust	VERB
emaj-264	25	18	all	all	DET
emaj-264	25	19	their	their	PRON
emaj-264	25	20	resources	resource	NOUN
emaj-264	25	21	to	to	ADP
emaj-264	25	22	the	the	DET
emaj-264	25	23	banking	banking	NOUN
emaj-264	25	24	institution	institution	NOUN
emaj-264	25	25	.	.	PUNCT
emaj-264	26	1	insolvency	insolvency	NOUN
emaj-264	26	2	of	of	ADP
emaj-264	26	3	a	a	DET
emaj-264	26	4	bank	bank	NOUN
emaj-264	26	5	has	have	VERB
emaj-264	26	6	severe	severe	ADJ
emaj-264	26	7	effects	effect	NOUN
emaj-264	26	8	on	on	ADP
emaj-264	26	9	the	the	DET
emaj-264	26	10	financial	financial	ADJ
emaj-264	26	11	system	system	NOUN
emaj-264	26	12	and	and	CCONJ
emaj-264	26	13	the	the	DET
emaj-264	26	14	entire	entire	ADJ
emaj-264	26	15	population	population	NOUN
emaj-264	26	16	’s	’s	PART
emaj-264	26	17	economic	economic	ADJ
emaj-264	26	18	activities	activity	NOUN
emaj-264	26	19	especially	especially	ADV
emaj-264	26	20	in	in	ADP
emaj-264	26	21	a	a	DET
emaj-264	26	22	country	country	NOUN
emaj-264	26	23	like	like	ADP
emaj-264	26	24	nigeria	nigeria	PROPN
emaj-264	26	25	.	.	PUNCT
emaj-264	27	1	survival	survival	NOUN
emaj-264	27	2	in	in	ADP
emaj-264	27	3	this	this	DET
emaj-264	27	4	context	context	NOUN
emaj-264	27	5	is	be	AUX
emaj-264	27	6	measured	measure	VERB
emaj-264	27	7	with	with	ADP
emaj-264	27	8	capital	capital	NOUN
emaj-264	27	9	adequacy	adequacy	NOUN
emaj-264	27	10	ratio	ratio	NOUN
emaj-264	27	11	(	(	PUNCT
emaj-264	27	12	car	car	NOUN
emaj-264	27	13	)	)	PUNCT
emaj-264	27	14	which	which	PRON
emaj-264	27	15	describes	describe	VERB
emaj-264	27	16	a	a	DET
emaj-264	27	17	firm	firm	NOUN
emaj-264	27	18	’s	’s	PART
emaj-264	27	19	ability	ability	NOUN
emaj-264	27	20	to	to	PART
emaj-264	27	21	continue	continue	VERB
emaj-264	27	22	with	with	ADP
emaj-264	27	23	operations	operation	NOUN
emaj-264	27	24	regardless	regardless	ADV
emaj-264	27	25	of	of	ADP
emaj-264	27	26	any	any	DET
emaj-264	27	27	changes	change	NOUN
emaj-264	27	28	they	they	PRON
emaj-264	27	29	might	might	AUX
emaj-264	27	30	be	be	AUX
emaj-264	27	31	confronted	confront	VERB
emaj-264	27	32	with	with	ADP
emaj-264	27	33	(	(	PUNCT
emaj-264	27	34	cefis	cefis	NOUN
emaj-264	27	35	&	&	CCONJ
emaj-264	27	36	marsili	marsili	NOUN
emaj-264	27	37	,	,	PUNCT
emaj-264	27	38	2012	2012	NUM
emaj-264	27	39	;	;	PUNCT
emaj-264	27	40	kocenda	kocenda	PROPN
emaj-264	27	41	&	&	CCONJ
emaj-264	27	42	iwasaki	iwasaki	PROPN
emaj-264	27	43	,	,	PUNCT
emaj-264	27	44	2021	2021	NUM
emaj-264	27	45	)	)	PUNCT
emaj-264	27	46	.	.	PUNCT
emaj-264	28	1	for	for	SCONJ
emaj-264	28	2	a	a	DET
emaj-264	28	3	firm	firm	NOUN
emaj-264	28	4	to	to	PART
emaj-264	28	5	survive	survive	VERB
emaj-264	28	6	as	as	ADV
emaj-264	28	7	long	long	ADV
emaj-264	28	8	as	as	SCONJ
emaj-264	28	9	intended	intend	VERB
emaj-264	28	10	is	be	AUX
emaj-264	28	11	subject	subject	ADJ
emaj-264	28	12	to	to	ADP
emaj-264	28	13	the	the	DET
emaj-264	28	14	acquisition	acquisition	NOUN
emaj-264	28	15	of	of	ADP
emaj-264	28	16	inputs	input	NOUN
emaj-264	28	17	from	from	ADP
emaj-264	28	18	suppliers	supplier	NOUN
emaj-264	28	19	,	,	PUNCT
emaj-264	28	20	its	its	PRON
emaj-264	28	21	processes	process	NOUN
emaj-264	28	22	and	and	CCONJ
emaj-264	28	23	provision	provision	NOUN
emaj-264	28	24	outputs	output	NOUN
emaj-264	28	25	to	to	ADP
emaj-264	28	26	stakeholders	stakeholder	NOUN
emaj-264	28	27	.	.	PUNCT
emaj-264	29	1	to	to	ADP
emaj-264	29	2	this	this	DET
emaj-264	29	3	end	end	NOUN
emaj-264	29	4	,	,	PUNCT
emaj-264	29	5	a	a	DET
emaj-264	29	6	firm	firm	NOUN
emaj-264	29	7	is	be	AUX
emaj-264	29	8	regarded	regard	VERB
emaj-264	29	9	as	as	ADP
emaj-264	29	10	having	having	AUX
emaj-264	29	11	failed	fail	VERB
emaj-264	29	12	when	when	SCONJ
emaj-264	29	13	it	it	PRON
emaj-264	29	14	is	be	AUX
emaj-264	29	15	unable	unable	ADJ
emaj-264	29	16	to	to	PART
emaj-264	29	17	achieve	achieve	VERB
emaj-264	29	18	both	both	DET
emaj-264	29	19	short	short	ADJ
emaj-264	29	20	-	-	PUNCT
emaj-264	29	21	term	term	NOUN
emaj-264	29	22	and	and	CCONJ
emaj-264	29	23	long	long	ADJ
emaj-264	29	24	-	-	PUNCT
emaj-264	29	25	term	term	NOUN
emaj-264	29	26	obligations	obligation	NOUN
emaj-264	29	27	to	to	ADP
emaj-264	29	28	its	its	PRON
emaj-264	29	29	stakeholders	stakeholder	NOUN
emaj-264	29	30	.	.	PUNCT
emaj-264	30	1	odibi	odibi	PROPN
emaj-264	30	2	et	et	PROPN
emaj-264	30	3	al	al	PROPN
emaj-264	30	4	(	(	PUNCT
emaj-264	30	5	2015	2015	NUM
emaj-264	30	6	)	)	PUNCT
emaj-264	30	7	,	,	PUNCT
emaj-264	30	8	revealed	reveal	VERB
emaj-264	30	9	the	the	DET
emaj-264	30	10	connection	connection	NOUN
emaj-264	30	11	between	between	ADP
emaj-264	30	12	internal	internal	ADJ
emaj-264	30	13	and	and	CCONJ
emaj-264	30	14	external	external	ADJ
emaj-264	30	15	factors	factor	NOUN
emaj-264	30	16	necessary	necessary	ADJ
emaj-264	30	17	for	for	ADP
emaj-264	30	18	bank	bank	NOUN
emaj-264	30	19	survival	survival	NOUN
emaj-264	30	20	.	.	PUNCT
emaj-264	31	1	bank	bank	NOUN
emaj-264	31	2	specific	specific	ADJ
emaj-264	31	3	features	feature	NOUN
emaj-264	31	4	as	as	SCONJ
emaj-264	31	5	indicated	indicate	VERB
emaj-264	31	6	in	in	ADP
emaj-264	31	7	the	the	DET
emaj-264	31	8	acronyms	acronym	NOUN
emaj-264	31	9	camel	camel	NOUN
emaj-264	31	10	as	as	SCONJ
emaj-264	31	11	seen	see	VERB
emaj-264	31	12	in	in	ADP
emaj-264	31	13	kocenda	kocenda	NOUN
emaj-264	31	14	and	and	CCONJ
emaj-264	31	15	iwasaki	iwasaki	PROPN
emaj-264	31	16	(	(	PUNCT
emaj-264	31	17	2021	2021	NUM
emaj-264	31	18	)	)	PUNCT
emaj-264	31	19	represents	represent	VERB
emaj-264	31	20	the	the	DET
emaj-264	31	21	premise	premise	NOUN
emaj-264	31	22	for	for	ADP
emaj-264	31	23	the	the	DET
emaj-264	31	24	discussion	discussion	NOUN
emaj-264	31	25	.	.	PUNCT
emaj-264	32	1	helmers	helmer	NOUN
emaj-264	32	2	and	and	CCONJ
emaj-264	32	3	rogers	rogers	PROPN
emaj-264	32	4	(	(	PUNCT
emaj-264	32	5	2010	2010	NUM
emaj-264	32	6	)	)	PUNCT
emaj-264	32	7	in	in	ADP
emaj-264	32	8	their	their	PRON
emaj-264	32	9	study	study	NOUN
emaj-264	32	10	examined	examine	VERB
emaj-264	32	11	the	the	DET
emaj-264	32	12	factors	factor	NOUN
emaj-264	32	13	that	that	PRON
emaj-264	32	14	can	can	AUX
emaj-264	32	15	contribute	contribute	VERB
emaj-264	32	16	to	to	ADP
emaj-264	32	17	the	the	DET
emaj-264	32	18	survival	survival	NOUN
emaj-264	32	19	of	of	ADP
emaj-264	32	20	a	a	DET
emaj-264	32	21	firm	firm	NOUN
emaj-264	32	22	,	,	PUNCT
emaj-264	32	23	to	to	PART
emaj-264	32	24	which	which	PRON
emaj-264	32	25	human	human	ADJ
emaj-264	32	26	capital	capital	NOUN
emaj-264	32	27	,	,	PUNCT
emaj-264	32	28	firm	firm	ADJ
emaj-264	32	29	size	size	NOUN
emaj-264	32	30	,	,	PUNCT
emaj-264	32	31	market	market	NOUN
emaj-264	32	32	level	level	NOUN
emaj-264	32	33	,	,	PUNCT
emaj-264	32	34	productivity	productivity	NOUN
emaj-264	32	35	,	,	PUNCT
emaj-264	32	36	environment	environment	NOUN
emaj-264	32	37	,	,	PUNCT
emaj-264	32	38	research	research	NOUN
emaj-264	32	39	activities	activity	NOUN
emaj-264	32	40	and	and	CCONJ
emaj-264	32	41	innovation	innovation	NOUN
emaj-264	32	42	amongst	amongst	ADP
emaj-264	32	43	other	other	ADJ
emaj-264	32	44	factors	factor	NOUN
emaj-264	32	45	were	be	AUX
emaj-264	32	46	identified	identify	VERB
emaj-264	32	47	.	.	PUNCT
emaj-264	33	1	the	the	DET
emaj-264	33	2	study	study	NOUN
emaj-264	33	3	by	by	ADP
emaj-264	33	4	rahman	rahman	PROPN
emaj-264	33	5	and	and	CCONJ
emaj-264	33	6	islam	islam	PROPN
emaj-264	33	7	(	(	PUNCT
emaj-264	33	8	2018	2018	NUM
emaj-264	33	9	)	)	PUNCT
emaj-264	33	10	opined	opine	VERB
emaj-264	33	11	that	that	SCONJ
emaj-264	33	12	camel	camel	NOUN
emaj-264	33	13	is	be	AUX
emaj-264	33	14	used	use	VERB
emaj-264	33	15	in	in	ADP
emaj-264	33	16	the	the	DET
emaj-264	33	17	evaluation	evaluation	NOUN
emaj-264	33	18	and	and	CCONJ
emaj-264	33	19	prediction	prediction	NOUN
emaj-264	33	20	of	of	ADP
emaj-264	33	21	banks	bank	NOUN
emaj-264	33	22	’	'	PUNCT
emaj-264	33	23	survival	survival	NOUN
emaj-264	33	24	.	.	PUNCT
emaj-264	34	1	in	in	ADP
emaj-264	34	2	the	the	DET
emaj-264	34	3	business	business	NOUN
emaj-264	34	4	world	world	NOUN
emaj-264	34	5	today	today	NOUN
emaj-264	34	6	,	,	PUNCT
emaj-264	34	7	one	one	PRON
emaj-264	34	8	needs	need	VERB
emaj-264	34	9	to	to	PART
emaj-264	34	10	put	put	VERB
emaj-264	34	11	plans	plan	NOUN
emaj-264	34	12	into	into	ADP
emaj-264	34	13	action	action	NOUN
emaj-264	34	14	if	if	SCONJ
emaj-264	34	15	he	he	PRON
emaj-264	34	16	/	/	SYM
emaj-264	34	17	she	she	PRON
emaj-264	34	18	wants	want	VERB
emaj-264	34	19	to	to	PART
emaj-264	34	20	stay	stay	VERB
emaj-264	34	21	in	in	ADP
emaj-264	34	22	business	business	NOUN
emaj-264	34	23	.	.	PUNCT
emaj-264	35	1	the	the	DET
emaj-264	35	2	government	government	NOUN
emaj-264	35	3	pressure	pressure	NOUN
emaj-264	35	4	and	and	CCONJ
emaj-264	35	5	poor	poor	ADJ
emaj-264	35	6	economic	economic	ADJ
emaj-264	35	7	forecasts	forecast	NOUN
emaj-264	35	8	in	in	ADP
emaj-264	35	9	nigeria	nigeria	PROPN
emaj-264	35	10	have	have	AUX
emaj-264	35	11	prompted	prompt	VERB
emaj-264	35	12	the	the	DET
emaj-264	35	13	central	central	ADJ
emaj-264	35	14	bank	bank	NOUN
emaj-264	35	15	to	to	PART
emaj-264	35	16	employ	employ	VERB
emaj-264	35	17	hostile	hostile	ADJ
emaj-264	35	18	and	and	CCONJ
emaj-264	35	19	unorthodox	unorthodox	ADJ
emaj-264	35	20	monetary	monetary	ADJ
emaj-264	35	21	policies	policy	NOUN
emaj-264	35	22	,	,	PUNCT
emaj-264	35	23	making	make	VERB
emaj-264	35	24	this	this	DET
emaj-264	35	25	task	task	NOUN
emaj-264	35	26	much	much	ADV
emaj-264	35	27	more	more	ADV
emaj-264	35	28	difficult	difficult	ADJ
emaj-264	35	29	.	.	PUNCT
emaj-264	36	1	this	this	PRON
emaj-264	36	2	has	have	AUX
emaj-264	36	3	led	lead	VERB
emaj-264	36	4	to	to	ADP
emaj-264	36	5	fears	fear	NOUN
emaj-264	36	6	being	be	AUX
emaj-264	36	7	entertained	entertain	VERB
emaj-264	36	8	in	in	ADP
emaj-264	36	9	view	view	NOUN
emaj-264	36	10	of	of	ADP
emaj-264	36	11	negative	negative	ADJ
emaj-264	36	12	interest	interest	NOUN
emaj-264	36	13	rates	rate	NOUN
emaj-264	36	14	,	,	PUNCT
emaj-264	36	15	that	that	SCONJ
emaj-264	36	16	such	such	ADJ
emaj-264	36	17	steps	step	NOUN
emaj-264	36	18	can	can	AUX
emaj-264	36	19	place	place	VERB
emaj-264	36	20	pressure	pressure	NOUN
emaj-264	36	21	on	on	ADP
emaj-264	36	22	the	the	DET
emaj-264	36	23	already	already	ADV
emaj-264	36	24	weak	weak	ADJ
emaj-264	36	25	banking	banking	NOUN
emaj-264	36	26	sector	sector	NOUN
emaj-264	36	27	that	that	PRON
emaj-264	36	28	reduce	reduce	VERB
emaj-264	36	29	rates	rate	NOUN
emaj-264	36	30	below	below	ADP
emaj-264	36	31	the	the	DET
emaj-264	36	32	zero	zero	NUM
emaj-264	36	33	level	level	NOUN
emaj-264	36	34	as	as	ADP
emaj-264	36	35	a	a	DET
emaj-264	36	36	result	result	NOUN
emaj-264	36	37	of	of	ADP
emaj-264	36	38	poor	poor	ADJ
emaj-264	36	39	economic	economic	ADJ
emaj-264	36	40	growth	growth	NOUN
emaj-264	36	41	,	,	PUNCT
emaj-264	36	42	unemployment	unemployment	NOUN
emaj-264	36	43	,	,	PUNCT
emaj-264	36	44	financial	financial	ADJ
emaj-264	36	45	instability	instability	NOUN
emaj-264	36	46	,	,	PUNCT
emaj-264	36	47	low	low	ADJ
emaj-264	36	48	levels	level	NOUN
emaj-264	36	49	of	of	ADP
emaj-264	36	50	inflation	inflation	NOUN
emaj-264	36	51	and	and	CCONJ
emaj-264	36	52	volatile	volatile	ADJ
emaj-264	36	53	asset	asset	NOUN
emaj-264	36	54	prices	price	NOUN
emaj-264	36	55	.	.	PUNCT
emaj-264	37	1	the	the	DET
emaj-264	37	2	rationale	rationale	NOUN
emaj-264	37	3	behind	behind	ADP
emaj-264	37	4	this	this	PRON
emaj-264	37	5	is	be	AUX
emaj-264	37	6	to	to	PART
emaj-264	37	7	encourage	encourage	VERB
emaj-264	37	8	borrowing	borrow	VERB
emaj-264	37	9	in	in	ADP
emaj-264	37	10	order	order	NOUN
emaj-264	37	11	to	to	PART
emaj-264	37	12	finance	finance	VERB
emaj-264	37	13	investment	investment	NOUN
emaj-264	37	14	and	and	CCONJ
emaj-264	37	15	consumption	consumption	NOUN
emaj-264	37	16	,	,	PUNCT
emaj-264	37	17	which	which	PRON
emaj-264	37	18	sets	set	VERB
emaj-264	37	19	off	off	ADP
emaj-264	37	20	a	a	DET
emaj-264	37	21	selfsustaining	selfsustaine	VERB
emaj-264	37	22	growth	growth	NOUN
emaj-264	37	23	cycle	cycle	NOUN
emaj-264	37	24	.	.	PUNCT
emaj-264	38	1	with	with	ADP
emaj-264	38	2	the	the	DET
emaj-264	38	3	continuous	continuous	ADJ
emaj-264	38	4	economic	economic	ADJ
emaj-264	38	5	crunch	crunch	NOUN
emaj-264	38	6	being	be	AUX
emaj-264	38	7	experienced	experience	VERB
emaj-264	38	8	,	,	PUNCT
emaj-264	38	9	policymakers	policymaker	NOUN
emaj-264	38	10	have	have	AUX
emaj-264	38	11	slashed	slash	VERB
emaj-264	38	12	interest	interest	NOUN
emaj-264	38	13	rates	rate	NOUN
emaj-264	38	14	more	more	ADV
emaj-264	38	15	,	,	PUNCT
emaj-264	38	16	resulting	result	VERB
emaj-264	38	17	in	in	ADP
emaj-264	38	18	a	a	DET
emaj-264	38	19	flattening	flattening	NOUN
emaj-264	38	20	of	of	ADP
emaj-264	38	21	the	the	DET
emaj-264	38	22	yield	yield	NOUN
emaj-264	38	23	curve	curve	NOUN
emaj-264	38	24	.	.	PUNCT
emaj-264	39	1	the	the	DET
emaj-264	39	2	implication	implication	NOUN
emaj-264	39	3	of	of	ADP
emaj-264	39	4	this	this	PRON
emaj-264	39	5	is	be	AUX
emaj-264	39	6	that	that	SCONJ
emaj-264	39	7	banks	bank	NOUN
emaj-264	39	8	,	,	PUNCT
emaj-264	39	9	which	which	PRON
emaj-264	39	10	possess	possess	VERB
emaj-264	39	11	huge	huge	ADJ
emaj-264	39	12	amounts	amount	NOUN
emaj-264	39	13	of	of	ADP
emaj-264	39	14	government	government	NOUN
emaj-264	39	15	debt	debt	NOUN
emaj-264	39	16	,	,	PUNCT
emaj-264	39	17	tend	tend	VERB
emaj-264	39	18	to	to	PART
emaj-264	39	19	experience	experience	VERB
emaj-264	39	20	a	a	DET
emaj-264	39	21	further	further	ADJ
emaj-264	39	22	decline	decline	NOUN
emaj-264	39	23	in	in	ADP
emaj-264	39	24	their	their	PRON
emaj-264	39	25	profits	profit	NOUN
emaj-264	39	26	thus	thus	ADV
emaj-264	39	27	threaten	threaten	VERB
emaj-264	39	28	nigerian	nigerian	ADJ
emaj-264	39	29	bank	bank	PROPN
emaj-264	39	30	survival	survival	NOUN
emaj-264	39	31	(	(	PUNCT
emaj-264	39	32	mbachu	mbachu	PROPN
emaj-264	39	33	,	,	PUNCT
emaj-264	39	34	2022	2022	NUM
emaj-264	39	35	)	)	PUNCT
emaj-264	39	36	.	.	PUNCT
emaj-264	40	1	literature	literature	NOUN
emaj-264	40	2	has	have	AUX
emaj-264	40	3	revealed	reveal	VERB
emaj-264	40	4	that	that	SCONJ
emaj-264	40	5	a	a	DET
emaj-264	40	6	bank	bank	NOUN
emaj-264	40	7	’s	’s	PART
emaj-264	40	8	survival	survival	NOUN
emaj-264	40	9	is	be	AUX
emaj-264	40	10	subject	subject	ADJ
emaj-264	40	11	to	to	ADP
emaj-264	40	12	various	various	ADJ
emaj-264	40	13	factors	factor	NOUN
emaj-264	40	14	such	such	ADJ
emaj-264	40	15	as	as	ADP
emaj-264	40	16	the	the	DET
emaj-264	40	17	bank	bank	NOUN
emaj-264	40	18	’s	’s	PART
emaj-264	40	19	internal	internal	ADJ
emaj-264	40	20	factors	factor	NOUN
emaj-264	40	21	,	,	PUNCT
emaj-264	40	22	as	as	ADV
emaj-264	40	23	well	well	ADV
emaj-264	40	24	as	as	ADP
emaj-264	40	25	macroeconomic	macroeconomic	ADJ
emaj-264	40	26	factors	factor	NOUN
emaj-264	40	27	.	.	PUNCT
emaj-264	41	1	this	this	PRON
emaj-264	41	2	is	be	AUX
emaj-264	41	3	especially	especially	ADV
emaj-264	41	4	true	true	ADJ
emaj-264	41	5	in	in	ADP
emaj-264	41	6	the	the	DET
emaj-264	41	7	nigerian	nigerian	ADJ
emaj-264	41	8	banking	banking	NOUN
emaj-264	41	9	industry	industry	NOUN
emaj-264	41	10	where	where	SCONJ
emaj-264	41	11	interest	interest	NOUN
emaj-264	41	12	rate	rate	NOUN
emaj-264	41	13	spread	spread	NOUN
emaj-264	41	14	(	(	PUNCT
emaj-264	41	15	spread	spread	NOUN
emaj-264	41	16	)	)	PUNCT
emaj-264	41	17	is	be	AUX
emaj-264	41	18	unstable	unstable	ADJ
emaj-264	41	19	as	as	ADV
emaj-264	41	20	well	well	ADV
emaj-264	41	21	as	as	ADP
emaj-264	41	22	smoothing	smooth	VERB
emaj-264	41	23	of	of	ADP
emaj-264	41	24	asset	asset	NOUN
emaj-264	41	25	quality	quality	NOUN
emaj-264	41	26	,	,	PUNCT
emaj-264	41	27	management	management	NOUN
emaj-264	41	28	efficiency	efficiency	NOUN
emaj-264	41	29	,	,	PUNCT
emaj-264	41	30	bank	bank	NOUN
emaj-264	41	31	size	size	NOUN
emaj-264	41	32	with	with	ADP
emaj-264	41	33	bias	bias	NOUN
emaj-264	41	34	board	board	NOUN
emaj-264	41	35	size	size	NOUN
emaj-264	41	36	which	which	PRON
emaj-264	41	37	directly	directly	ADV
emaj-264	41	38	collapse	collapse	VERB
emaj-264	41	39	deposit	deposit	NOUN
emaj-264	41	40	money	money	NOUN
emaj-264	41	41	banks	bank	NOUN
emaj-264	41	42	in	in	ADP
emaj-264	41	43	nigeria	nigeria	PROPN
emaj-264	41	44	.	.	PUNCT
emaj-264	42	1	studies	study	NOUN
emaj-264	42	2	have	have	AUX
emaj-264	42	3	not	not	PART
emaj-264	42	4	been	be	AUX
emaj-264	42	5	carried	carry	VERB
emaj-264	42	6	on	on	ADP
emaj-264	42	7	combined	combined	ADJ
emaj-264	42	8	effect	effect	NOUN
emaj-264	42	9	of	of	ADP
emaj-264	42	10	spread	spread	NOUN
emaj-264	42	11	and	and	CCONJ
emaj-264	42	12	bank	bank	NOUN
emaj-264	42	13	-	-	PUNCT
emaj-264	42	14	specific	specific	ADJ
emaj-264	42	15	factors	factor	NOUN
emaj-264	42	16	on	on	ADP
emaj-264	42	17	the	the	DET
emaj-264	42	18	survival	survival	NOUN
emaj-264	42	19	of	of	ADP
emaj-264	42	20	nigerian	nigerian	ADJ
emaj-264	42	21	banks	bank	NOUN
emaj-264	42	22	of	of	ADP
emaj-264	42	23	tier-1	tier-1	NUM
emaj-264	42	24	and	and	CCONJ
emaj-264	42	25	tier-2	tier-2	NUM
emaj-264	42	26	categories	category	NOUN
emaj-264	42	27	.	.	PUNCT
emaj-264	43	1	this	this	DET
emaj-264	43	2	study	study	NOUN
emaj-264	43	3	is	be	AUX
emaj-264	43	4	therefore	therefore	ADV
emaj-264	43	5	focused	focus	VERB
emaj-264	43	6	on	on	ADP
emaj-264	43	7	the	the	DET
emaj-264	43	8	gap	gap	NOUN
emaj-264	43	9	in	in	ADP
emaj-264	43	10	the	the	DET
emaj-264	43	11	literature	literature	NOUN
emaj-264	43	12	which	which	PRON
emaj-264	43	13	serves	serve	VERB
emaj-264	43	14	as	as	ADP
emaj-264	43	15	the	the	DET
emaj-264	43	16	motivation	motivation	NOUN
emaj-264	43	17	for	for	ADP
emaj-264	43	18	this	this	DET
emaj-264	43	19	study	study	NOUN
emaj-264	43	20	.	.	PUNCT
emaj-264	44	1	considering	consider	VERB
emaj-264	44	2	the	the	DET
emaj-264	44	3	gap	gap	NOUN
emaj-264	44	4	identified	identify	VERB
emaj-264	44	5	,	,	PUNCT
emaj-264	44	6	hypotheses	hypothesis	NOUN
emaj-264	44	7	below	below	ADV
emaj-264	44	8	were	be	AUX
emaj-264	44	9	developed	develop	VERB
emaj-264	44	10	:	:	PUNCT
emaj-264	44	11	hypotheses	hypothesis	NOUN
emaj-264	44	12	h01	h01	NOUN
emaj-264	44	13	:	:	PUNCT
emaj-264	44	14	there	there	PRON
emaj-264	44	15	is	be	VERB
emaj-264	44	16	no	no	DET
emaj-264	44	17	combined	combined	ADJ
emaj-264	44	18	significant	significant	ADJ
emaj-264	44	19	effect	effect	NOUN
emaj-264	44	20	of	of	ADP
emaj-264	44	21	spread	spread	NOUN
emaj-264	44	22	,	,	PUNCT
emaj-264	44	23	asset	asset	NOUN
emaj-264	44	24	quality	quality	NOUN
emaj-264	44	25	,	,	PUNCT
emaj-264	44	26	management	management	NOUN
emaj-264	44	27	efficiency	efficiency	NOUN
emaj-264	44	28	,	,	PUNCT
emaj-264	44	29	bank	bank	NOUN
emaj-264	44	30	size	size	NOUN
emaj-264	44	31	and	and	CCONJ
emaj-264	44	32	board	board	NOUN
emaj-264	44	33	size	size	NOUN
emaj-264	44	34	on	on	ADP
emaj-264	44	35	capital	capital	NOUN
emaj-264	44	36	adequacy	adequacy	NOUN
emaj-264	44	37	ratio	ratio	NOUN
emaj-264	44	38	of	of	ADP
emaj-264	44	39	tier-1	tier-1	NUM
emaj-264	44	40	deposit	deposit	NOUN
emaj-264	44	41	money	money	NOUN
emaj-264	44	42	banks	bank	NOUN
emaj-264	44	43	quoted	quote	VERB
emaj-264	44	44	in	in	ADP
emaj-264	44	45	nigeria	nigeria	PROPN
emaj-264	44	46	.	.	PUNCT
emaj-264	45	1	h02	h02	PROPN
emaj-264	45	2	:	:	PUNCT
emaj-264	45	3	there	there	PRON
emaj-264	45	4	is	be	VERB
emaj-264	45	5	no	no	DET
emaj-264	45	6	combined	combined	ADJ
emaj-264	45	7	significant	significant	ADJ
emaj-264	45	8	effect	effect	NOUN
emaj-264	45	9	of	of	ADP
emaj-264	45	10	spread	spread	NOUN
emaj-264	45	11	,	,	PUNCT
emaj-264	45	12	asset	asset	NOUN
emaj-264	45	13	quality	quality	NOUN
emaj-264	45	14	,	,	PUNCT
emaj-264	45	15	management	management	NOUN
emaj-264	45	16	efficiency	efficiency	NOUN
emaj-264	45	17	,	,	PUNCT
emaj-264	45	18	bank	bank	NOUN
emaj-264	45	19	size	size	NOUN
emaj-264	45	20	and	and	CCONJ
emaj-264	45	21	board	board	NOUN
emaj-264	45	22	size	size	NOUN
emaj-264	45	23	on	on	ADP
emaj-264	45	24	capital	capital	NOUN
emaj-264	45	25	adequacy	adequacy	NOUN
emaj-264	45	26	ratio	ratio	NOUN
emaj-264	45	27	of	of	ADP
emaj-264	45	28	tier-2	tier-2	NUM
emaj-264	45	29	deposit	deposit	NOUN
emaj-264	45	30	money	money	NOUN
emaj-264	45	31	banks	bank	NOUN
emaj-264	45	32	in	in	ADP
emaj-264	45	33	nigeria	nigeria	PROPN
emaj-264	45	34	.	.	PUNCT
emaj-264	46	1	ii	ii	PROPN
emaj-264	46	2	.	.	PUNCT
emaj-264	47	1	literature	literature	PROPN
emaj-264	47	2	review	review	PROPN
emaj-264	47	3	and	and	CCONJ
emaj-264	47	4	hypothesis	hypothesis	NOUN
emaj-264	47	5	development	development	PROPN
emaj-264	47	6	bank	bank	PROPN
emaj-264	47	7	survival	survival	NOUN
emaj-264	47	8	is	be	AUX
emaj-264	47	9	the	the	DET
emaj-264	47	10	continuous	continuous	ADJ
emaj-264	47	11	financial	financial	ADJ
emaj-264	47	12	and	and	CCONJ
emaj-264	47	13	non	non	ADJ
emaj-264	47	14	-	-	ADJ
emaj-264	47	15	financial	financial	ADJ
emaj-264	47	16	operations	operation	NOUN
emaj-264	47	17	of	of	ADP
emaj-264	47	18	deposit	deposit	NOUN
emaj-264	47	19	money	money	NOUN
emaj-264	47	20	bank	bank	NOUN
emaj-264	47	21	assets	asset	NOUN
emaj-264	47	22	in	in	ADP
emaj-264	47	23	managing	manage	VERB
emaj-264	47	24	and	and	CCONJ
emaj-264	47	25	overriding	override	VERB
emaj-264	47	26	internal	internal	ADJ
emaj-264	47	27	and	and	CCONJ
emaj-264	47	28	external	external	ADJ
emaj-264	47	29	environmental	environmental	ADJ
emaj-264	47	30	factors	factor	NOUN
emaj-264	47	31	.	.	PUNCT
emaj-264	48	1	in	in	ADP
emaj-264	48	2	this	this	DET
emaj-264	48	3	study	study	NOUN
emaj-264	48	4	,	,	PUNCT
emaj-264	48	5	bank	bank	NOUN
emaj-264	48	6	survival	survival	NOUN
emaj-264	48	7	was	be	AUX
emaj-264	48	8	measured	measure	VERB
emaj-264	48	9	with	with	ADP
emaj-264	48	10	capital	capital	NOUN
emaj-264	48	11	adequacy	adequacy	NOUN
emaj-264	48	12	ratio	ratio	NOUN
emaj-264	48	13	.	.	PUNCT
emaj-264	49	1	car	car	NOUN
emaj-264	49	2	assesses	assess	VERB
emaj-264	49	3	the	the	DET
emaj-264	49	4	strength	strength	NOUN
emaj-264	49	5	of	of	ADP
emaj-264	49	6	the	the	DET
emaj-264	49	7	bank	bank	NOUN
emaj-264	49	8	while	while	SCONJ
emaj-264	49	9	taking	take	VERB
emaj-264	49	10	into	into	ADP
emaj-264	49	11	account	account	NOUN
emaj-264	49	12	the	the	DET
emaj-264	49	13	quality	quality	NOUN
emaj-264	49	14	volume	volume	NOUN
emaj-264	49	15	12	12	NUM
emaj-264	49	16	no	no	DET
emaj-264	49	17	2	2	NUM
emaj-264	49	18	(	(	PUNCT
emaj-264	49	19	2022	2022	NUM
emaj-264	49	20	)	)	PUNCT
emaj-264	49	21	|	|	ADV
emaj-264	49	22	issn	issn	VERB
emaj-264	49	23	2158	2158	NUM
emaj-264	49	24	-	-	SYM
emaj-264	49	25	8708	8708	NUM
emaj-264	49	26	(	(	PUNCT
emaj-264	49	27	online	online	NOUN
emaj-264	49	28	)	)	PUNCT
emaj-264	49	29	|	|	ADV
emaj-264	49	30	doi	doi	X
emaj-264	49	31	10.5195	10.5195	NUM
emaj-264	49	32	/	/	SYM
emaj-264	49	33	emaj.2022.264	emaj.2022.264	PROPN
emaj-264	49	34	|	|	ADV
emaj-264	49	35	http://emaj.pitt.edu	http://emaj.pitt.edu	NOUN
emaj-264	49	36	segun	segun	VERB
emaj-264	49	37	kamoru	kamoru	PROPN
emaj-264	49	38	fakunmoju	fakunmoju	PROPN
emaj-264	49	39	,	,	PUNCT
emaj-264	49	40	babatunde	babatunde	NOUN
emaj-264	49	41	jinadu	jinadu	ADV
emaj-264	49	42	,	,	PUNCT
emaj-264	49	43	alexander	alexander	PROPN
emaj-264	49	44	a.	a.	PROPN
emaj-264	49	45	akindele	akindele	PROPN
emaj-264	49	46	emerging	emerge	VERB
emaj-264	49	47	markets	market	NOUN
emaj-264	49	48	journal	journal	NOUN
emaj-264	50	1	|	|	ADV
emaj-264	50	2	p	p	NOUN
emaj-264	50	3	a	a	DET
emaj-264	50	4	g	g	NOUN
emaj-264	50	5	e	e	NOUN
emaj-264	50	6	2	2	NUM
emaj-264	50	7	1	1	NUM
emaj-264	50	8	of	of	ADP
emaj-264	50	9	its	its	PRON
emaj-264	50	10	assets	asset	NOUN
emaj-264	50	11	.	.	PUNCT
emaj-264	51	1	its	its	PRON
emaj-264	51	2	financial	financial	ADJ
emaj-264	51	3	health	health	NOUN
emaj-264	51	4	and	and	CCONJ
emaj-264	51	5	capital	capital	NOUN
emaj-264	51	6	adequacy	adequacy	NOUN
emaj-264	51	7	are	be	AUX
emaj-264	51	8	all	all	PRON
emaj-264	51	9	key	key	ADJ
emaj-264	51	10	factors	factor	NOUN
emaj-264	51	11	to	to	PART
emaj-264	51	12	protect	protect	VERB
emaj-264	51	13	the	the	DET
emaj-264	51	14	investment	investment	NOUN
emaj-264	51	15	of	of	ADP
emaj-264	51	16	depositors	depositor	NOUN
emaj-264	51	17	.	.	PUNCT
emaj-264	52	1	it	it	PRON
emaj-264	52	2	is	be	AUX
emaj-264	52	3	intended	intend	VERB
emaj-264	52	4	to	to	PART
emaj-264	52	5	safeguard	safeguard	VERB
emaj-264	52	6	depositors	depositor	NOUN
emaj-264	52	7	while	while	SCONJ
emaj-264	52	8	also	also	ADV
emaj-264	52	9	enhancing	enhance	VERB
emaj-264	52	10	the	the	DET
emaj-264	52	11	efficiency	efficiency	NOUN
emaj-264	52	12	and	and	CCONJ
emaj-264	52	13	stability	stability	NOUN
emaj-264	52	14	of	of	ADP
emaj-264	52	15	the	the	DET
emaj-264	52	16	global	global	ADJ
emaj-264	52	17	financial	financial	ADJ
emaj-264	52	18	system	system	NOUN
emaj-264	52	19	(	(	PUNCT
emaj-264	52	20	ajayi	ajayi	NOUN
emaj-264	52	21	et	et	PROPN
emaj-264	52	22	al	al	PROPN
emaj-264	52	23	.	.	PROPN
emaj-264	52	24	,	,	PUNCT
emaj-264	52	25	2019	2019	NUM
emaj-264	52	26	)	)	PUNCT
emaj-264	52	27	.	.	PUNCT
emaj-264	53	1	one	one	NUM
emaj-264	53	2	way	way	NOUN
emaj-264	53	3	to	to	PART
emaj-264	53	4	assess	assess	VERB
emaj-264	53	5	a	a	DET
emaj-264	53	6	bank	bank	NOUN
emaj-264	53	7	in	in	ADP
emaj-264	53	8	term	term	NOUN
emaj-264	53	9	of	of	ADP
emaj-264	53	10	safety	safety	NOUN
emaj-264	53	11	is	be	AUX
emaj-264	53	12	the	the	DET
emaj-264	53	13	portion	portion	NOUN
emaj-264	53	14	of	of	ADP
emaj-264	53	15	its	its	PRON
emaj-264	53	16	capital	capital	NOUN
emaj-264	53	17	ratio	ratio	NOUN
emaj-264	53	18	,	,	PUNCT
emaj-264	53	19	the	the	PRON
emaj-264	53	20	higher	high	ADJ
emaj-264	53	21	the	the	DET
emaj-264	53	22	ratio	ratio	NOUN
emaj-264	53	23	,	,	PUNCT
emaj-264	53	24	the	the	PRON
emaj-264	53	25	safer	safe	ADJ
emaj-264	53	26	the	the	DET
emaj-264	53	27	bank	bank	NOUN
emaj-264	53	28	is	be	AUX
emaj-264	53	29	and	and	CCONJ
emaj-264	53	30	vice	vice	ADV
emaj-264	53	31	versa	versa	ADV
emaj-264	53	32	.	.	PUNCT
emaj-264	54	1	the	the	DET
emaj-264	54	2	car	car	NOUN
emaj-264	54	3	embodies	embody	VERB
emaj-264	54	4	two	two	NUM
emaj-264	54	5	forms	form	NOUN
emaj-264	54	6	of	of	ADP
emaj-264	54	7	capital	capital	NOUN
emaj-264	54	8	:	:	PUNCT
emaj-264	54	9	tier	tier	NOUN
emaj-264	54	10	1	1	NUM
emaj-264	54	11	and	and	CCONJ
emaj-264	54	12	tier	tier	NOUN
emaj-264	54	13	2	2	NUM
emaj-264	54	14	are	be	AUX
emaj-264	54	15	separately	separately	ADV
emaj-264	54	16	calculated	calculate	VERB
emaj-264	54	17	to	to	PART
emaj-264	54	18	determine	determine	VERB
emaj-264	54	19	the	the	DET
emaj-264	54	20	capital	capital	NOUN
emaj-264	54	21	adequacy	adequacy	NOUN
emaj-264	54	22	ratio	ratio	NOUN
emaj-264	54	23	of	of	ADP
emaj-264	54	24	the	the	DET
emaj-264	54	25	bank	bank	PROPN
emaj-264	54	26	(	(	PUNCT
emaj-264	54	27	brian	brian	PROPN
emaj-264	54	28	,	,	PUNCT
emaj-264	54	29	2018	2018	NUM
emaj-264	54	30	)	)	PUNCT
emaj-264	54	31	.	.	PUNCT
emaj-264	55	1	interest	interest	NOUN
emaj-264	55	2	rate	rate	NOUN
emaj-264	55	3	spread	spread	NOUN
emaj-264	55	4	is	be	AUX
emaj-264	55	5	the	the	DET
emaj-264	55	6	spread	spread	ADJ
emaj-264	55	7	difference	difference	NOUN
emaj-264	55	8	between	between	ADP
emaj-264	55	9	the	the	DET
emaj-264	55	10	interest	interest	NOUN
emaj-264	55	11	rate	rate	NOUN
emaj-264	55	12	paid	pay	VERB
emaj-264	55	13	for	for	ADP
emaj-264	55	14	demand	demand	NOUN
emaj-264	55	15	,	,	PUNCT
emaj-264	55	16	time	time	NOUN
emaj-264	55	17	,	,	PUNCT
emaj-264	55	18	or	or	CCONJ
emaj-264	55	19	savings	savings	NOUN
emaj-264	55	20	deposits	deposit	NOUN
emaj-264	55	21	and	and	CCONJ
emaj-264	55	22	the	the	DET
emaj-264	55	23	interest	interest	NOUN
emaj-264	55	24	rate	rate	NOUN
emaj-264	55	25	that	that	PRON
emaj-264	55	26	banks	bank	NOUN
emaj-264	55	27	charge	charge	VERB
emaj-264	55	28	on	on	ADP
emaj-264	55	29	loans	loan	NOUN
emaj-264	55	30	.	.	PUNCT
emaj-264	56	1	bank	bank	NOUN
emaj-264	56	2	specific	specific	ADJ
emaj-264	56	3	factors	factor	NOUN
emaj-264	56	4	are	be	AUX
emaj-264	56	5	bank	bank	NOUN
emaj-264	56	6	internal	internal	ADJ
emaj-264	56	7	indices	index	NOUN
emaj-264	56	8	that	that	PRON
emaj-264	56	9	determine	determine	VERB
emaj-264	56	10	bank	bank	NOUN
emaj-264	56	11	continuity	continuity	NOUN
emaj-264	56	12	.	.	PUNCT
emaj-264	57	1	in	in	ADP
emaj-264	57	2	this	this	DET
emaj-264	57	3	study	study	NOUN
emaj-264	57	4	,	,	PUNCT
emaj-264	57	5	bank	bank	NOUN
emaj-264	57	6	specific	specific	ADJ
emaj-264	57	7	factors	factor	NOUN
emaj-264	57	8	were	be	AUX
emaj-264	57	9	asset	asset	NOUN
emaj-264	57	10	quality	quality	NOUN
emaj-264	57	11	,	,	PUNCT
emaj-264	57	12	management	management	NOUN
emaj-264	57	13	efficiency	efficiency	NOUN
emaj-264	57	14	,	,	PUNCT
emaj-264	57	15	bank	bank	NOUN
emaj-264	57	16	size	size	NOUN
emaj-264	57	17	and	and	CCONJ
emaj-264	57	18	board	board	NOUN
emaj-264	57	19	size	size	NOUN
emaj-264	57	20	.	.	PUNCT
emaj-264	58	1	using	use	VERB
emaj-264	58	2	car	car	NOUN
emaj-264	58	3	,	,	PUNCT
emaj-264	58	4	one	one	PRON
emaj-264	58	5	can	can	AUX
emaj-264	58	6	see	see	VERB
emaj-264	58	7	where	where	SCONJ
emaj-264	58	8	problems	problem	NOUN
emaj-264	58	9	exist	exist	VERB
emaj-264	58	10	in	in	ADP
emaj-264	58	11	the	the	DET
emaj-264	58	12	lending	lending	NOUN
emaj-264	58	13	portfolio	portfolio	NOUN
emaj-264	58	14	.	.	PUNCT
emaj-264	59	1	if	if	SCONJ
emaj-264	59	2	the	the	DET
emaj-264	59	3	ratio	ratio	NOUN
emaj-264	59	4	increases	increase	VERB
emaj-264	59	5	,	,	PUNCT
emaj-264	59	6	this	this	PRON
emaj-264	59	7	could	could	AUX
emaj-264	59	8	be	be	AUX
emaj-264	59	9	an	an	DET
emaj-264	59	10	indication	indication	NOUN
emaj-264	59	11	that	that	SCONJ
emaj-264	59	12	the	the	DET
emaj-264	59	13	quality	quality	NOUN
emaj-264	59	14	of	of	ADP
emaj-264	59	15	the	the	DET
emaj-264	59	16	loan	loan	NOUN
emaj-264	59	17	portfolio	portfolio	NOUN
emaj-264	59	18	is	be	AUX
emaj-264	59	19	declining	decline	VERB
emaj-264	59	20	,	,	PUNCT
emaj-264	59	21	which	which	PRON
emaj-264	59	22	would	would	AUX
emaj-264	59	23	result	result	VERB
emaj-264	59	24	in	in	ADP
emaj-264	59	25	an	an	DET
emaj-264	59	26	increased	increase	VERB
emaj-264	59	27	credit	credit	NOUN
emaj-264	59	28	risk	risk	NOUN
emaj-264	59	29	.	.	PUNCT
emaj-264	60	1	the	the	DET
emaj-264	60	2	exposures	exposure	NOUN
emaj-264	60	3	to	to	ADP
emaj-264	60	4	core	core	NOUN
emaj-264	60	5	capital	capital	NOUN
emaj-264	60	6	are	be	AUX
emaj-264	60	7	included	include	VERB
emaj-264	60	8	in	in	ADP
emaj-264	60	9	this	this	PRON
emaj-264	60	10	.	.	PUNCT
emaj-264	61	1	the	the	DET
emaj-264	61	2	formula	formula	NOUN
emaj-264	61	3	for	for	ADP
emaj-264	61	4	calculating	calculate	VERB
emaj-264	61	5	this	this	DET
emaj-264	61	6	ratio	ratio	NOUN
emaj-264	61	7	is	be	AUX
emaj-264	61	8	to	to	PART
emaj-264	61	9	take	take	VERB
emaj-264	61	10	the	the	DET
emaj-264	61	11	total	total	ADJ
emaj-264	61	12	outstanding	outstanding	ADJ
emaj-264	61	13	balances	balance	NOUN
emaj-264	61	14	of	of	ADP
emaj-264	61	15	all	all	DET
emaj-264	61	16	loans	loan	NOUN
emaj-264	61	17	with	with	ADP
emaj-264	61	18	balances	balance	NOUN
emaj-264	61	19	of	of	ADP
emaj-264	61	20	at	at	ADV
emaj-264	61	21	least	least	ADV
emaj-264	61	22	10	10	NUM
emaj-264	61	23	%	%	NOUN
emaj-264	61	24	of	of	ADP
emaj-264	61	25	the	the	DET
emaj-264	61	26	bank	bank	NOUN
emaj-264	61	27	's	's	PART
emaj-264	61	28	core	core	NOUN
emaj-264	61	29	capital	capital	NOUN
emaj-264	61	30	and	and	CCONJ
emaj-264	61	31	divide	divide	VERB
emaj-264	61	32	that	that	DET
emaj-264	61	33	number	number	NOUN
emaj-264	61	34	by	by	ADP
emaj-264	61	35	the	the	DET
emaj-264	61	36	total	total	ADJ
emaj-264	61	37	outstanding	outstanding	ADJ
emaj-264	61	38	balances	balance	NOUN
emaj-264	61	39	of	of	ADP
emaj-264	61	40	all	all	DET
emaj-264	61	41	loans	loan	NOUN
emaj-264	61	42	with	with	ADP
emaj-264	61	43	balances	balance	NOUN
emaj-264	61	44	of	of	ADP
emaj-264	61	45	at	at	ADV
emaj-264	61	46	least	least	ADV
emaj-264	61	47	10	10	NUM
emaj-264	61	48	%	%	NOUN
emaj-264	61	49	of	of	ADP
emaj-264	61	50	the	the	DET
emaj-264	61	51	bank	bank	NOUN
emaj-264	61	52	's	's	PART
emaj-264	61	53	core	core	NOUN
emaj-264	61	54	capital	capital	NOUN
emaj-264	61	55	.	.	PUNCT
emaj-264	62	1	this	this	DET
emaj-264	62	2	ratio	ratio	NOUN
emaj-264	62	3	illustrates	illustrate	VERB
emaj-264	62	4	the	the	DET
emaj-264	62	5	concentration	concentration	NOUN
emaj-264	62	6	problems	problem	NOUN
emaj-264	62	7	that	that	PRON
emaj-264	62	8	exist	exist	VERB
emaj-264	62	9	with	with	ADP
emaj-264	62	10	credit	credit	NOUN
emaj-264	62	11	risk	risk	NOUN
emaj-264	62	12	.	.	PUNCT
emaj-264	63	1	an	an	DET
emaj-264	63	2	important	important	ADJ
emaj-264	63	3	stage	stage	NOUN
emaj-264	63	4	of	of	ADP
emaj-264	63	5	risk	risk	NOUN
emaj-264	63	6	is	be	AUX
emaj-264	63	7	initiated	initiate	VERB
emaj-264	63	8	which	which	PRON
emaj-264	63	9	exceed	exceed	VERB
emaj-264	63	10	10	10	NUM
emaj-264	63	11	%	%	NOUN
emaj-264	63	12	of	of	ADP
emaj-264	63	13	the	the	DET
emaj-264	63	14	core	core	ADJ
emaj-264	63	15	capital	capital	NOUN
emaj-264	63	16	of	of	ADP
emaj-264	63	17	the	the	DET
emaj-264	63	18	firm	firm	NOUN
emaj-264	63	19	.	.	PUNCT
emaj-264	64	1	a	a	DET
emaj-264	64	2	separation	separation	NOUN
emaj-264	64	3	of	of	ADP
emaj-264	64	4	the	the	DET
emaj-264	64	5	ratio	ratio	NOUN
emaj-264	64	6	of	of	ADP
emaj-264	64	7	non	non	ADJ
emaj-264	64	8	-	-	ADJ
emaj-264	64	9	performing	performing	ADJ
emaj-264	64	10	loans	loan	NOUN
emaj-264	64	11	(	(	PUNCT
emaj-264	64	12	npls	npls	NOUN
emaj-264	64	13	)	)	PUNCT
emaj-264	64	14	from	from	ADP
emaj-264	64	15	provisions	provision	NOUN
emaj-264	64	16	to	to	ADP
emaj-264	64	17	core	core	NOUN
emaj-264	64	18	capital	capital	NOUN
emaj-264	64	19	is	be	AUX
emaj-264	64	20	the	the	DET
emaj-264	64	21	final	final	ADJ
emaj-264	64	22	indicator	indicator	NOUN
emaj-264	64	23	.	.	PUNCT
emaj-264	65	1	to	to	PART
emaj-264	65	2	calculate	calculate	VERB
emaj-264	65	3	the	the	DET
emaj-264	65	4	percentage	percentage	NOUN
emaj-264	65	5	of	of	ADP
emaj-264	65	6	loan	loan	NOUN
emaj-264	65	7	loss	loss	NOUN
emaj-264	65	8	,	,	PUNCT
emaj-264	65	9	the	the	DET
emaj-264	65	10	loan	loan	NOUN
emaj-264	65	11	loss	loss	NOUN
emaj-264	65	12	provision	provision	NOUN
emaj-264	65	13	is	be	AUX
emaj-264	65	14	divided	divide	VERB
emaj-264	65	15	by	by	ADP
emaj-264	65	16	the	the	DET
emaj-264	65	17	value	value	NOUN
emaj-264	65	18	of	of	ADP
emaj-264	65	19	the	the	DET
emaj-264	65	20	loans	loan	NOUN
emaj-264	65	21	that	that	PRON
emaj-264	65	22	are	be	AUX
emaj-264	65	23	not	not	PART
emaj-264	65	24	being	be	AUX
emaj-264	65	25	repaid	repay	VERB
emaj-264	65	26	.	.	PUNCT
emaj-264	66	1	management	management	NOUN
emaj-264	66	2	efficiency	efficiency	NOUN
emaj-264	66	3	is	be	AUX
emaj-264	66	4	a	a	DET
emaj-264	66	5	measure	measure	NOUN
emaj-264	66	6	and	and	CCONJ
emaj-264	66	7	determinant	determinant	ADJ
emaj-264	66	8	of	of	ADP
emaj-264	66	9	bank	bank	NOUN
emaj-264	66	10	survival	survival	NOUN
emaj-264	66	11	.	.	PUNCT
emaj-264	67	1	the	the	DET
emaj-264	67	2	management	management	NOUN
emaj-264	67	3	efficiency	efficiency	NOUN
emaj-264	67	4	is	be	AUX
emaj-264	67	5	proxy	proxy	ADJ
emaj-264	67	6	with	with	ADP
emaj-264	67	7	ratio	ratio	NOUN
emaj-264	67	8	of	of	ADP
emaj-264	67	9	cost	cost	NOUN
emaj-264	67	10	to	to	ADP
emaj-264	67	11	income	income	NOUN
emaj-264	67	12	.	.	PUNCT
emaj-264	68	1	bank	bank	NOUN
emaj-264	68	2	management	management	NOUN
emaj-264	68	3	efficiency	efficiency	NOUN
emaj-264	68	4	indicates	indicate	VERB
emaj-264	68	5	that	that	SCONJ
emaj-264	68	6	bank	bank	NOUN
emaj-264	68	7	costs	cost	NOUN
emaj-264	68	8	are	be	AUX
emaj-264	68	9	maximally	maximally	ADV
emaj-264	68	10	utilized	utilize	VERB
emaj-264	68	11	to	to	PART
emaj-264	68	12	achieve	achieve	VERB
emaj-264	68	13	targeted	targeted	ADJ
emaj-264	68	14	income	income	NOUN
emaj-264	68	15	.	.	PUNCT
emaj-264	69	1	mekonnen	mekonnen	NOUN
emaj-264	69	2	(	(	PUNCT
emaj-264	69	3	2015	2015	NUM
emaj-264	69	4	)	)	PUNCT
emaj-264	69	5	,	,	PUNCT
emaj-264	69	6	found	find	VERB
emaj-264	69	7	that	that	SCONJ
emaj-264	69	8	the	the	PRON
emaj-264	69	9	larger	large	ADJ
emaj-264	69	10	the	the	DET
emaj-264	69	11	bank	bank	NOUN
emaj-264	69	12	,	,	PUNCT
emaj-264	69	13	the	the	PRON
emaj-264	69	14	more	more	ADV
emaj-264	69	15	likely	likely	ADJ
emaj-264	69	16	will	will	AUX
emaj-264	69	17	the	the	DET
emaj-264	69	18	car	car	NOUN
emaj-264	69	19	.	.	PUNCT
emaj-264	70	1	similar	similar	ADJ
emaj-264	70	2	studies	study	NOUN
emaj-264	70	3	such	such	ADJ
emaj-264	70	4	as	as	ADP
emaj-264	70	5	el	el	NOUN
emaj-264	70	6	-	-	ADJ
emaj-264	70	7	ansary	ansary	NOUN
emaj-264	70	8	and	and	CCONJ
emaj-264	70	9	hafez	hafez	PROPN
emaj-264	70	10	(	(	PUNCT
emaj-264	70	11	2015	2015	NUM
emaj-264	70	12	)	)	PUNCT
emaj-264	70	13	,	,	PUNCT
emaj-264	70	14	as	as	ADV
emaj-264	70	15	well	well	ADV
emaj-264	70	16	as	as	ADP
emaj-264	70	17	polat	polat	NOUN
emaj-264	70	18	and	and	CCONJ
emaj-264	70	19	alkhalaf	alkhalaf	PROPN
emaj-264	70	20	(	(	PUNCT
emaj-264	70	21	2014	2014	NUM
emaj-264	70	22	)	)	PUNCT
emaj-264	70	23	also	also	ADV
emaj-264	70	24	supported	support	VERB
emaj-264	70	25	that	that	SCONJ
emaj-264	70	26	bank	bank	NOUN
emaj-264	70	27	size	size	NOUN
emaj-264	70	28	has	have	VERB
emaj-264	70	29	great	great	ADJ
emaj-264	70	30	impact	impact	NOUN
emaj-264	70	31	on	on	ADP
emaj-264	70	32	car	car	NOUN
emaj-264	70	33	.	.	PUNCT
emaj-264	71	1	bateni	bateni	PROPN
emaj-264	71	2	et	et	PROPN
emaj-264	71	3	al	al	PROPN
emaj-264	71	4	.	.	PROPN
emaj-264	71	5	,	,	PUNCT
emaj-264	71	6	(	(	PUNCT
emaj-264	71	7	2015	2015	NUM
emaj-264	71	8	)	)	PUNCT
emaj-264	71	9	and	and	CCONJ
emaj-264	71	10	alajmi	alajmi	NOUN
emaj-264	71	11	and	and	CCONJ
emaj-264	71	12	alqasem	alqasem	PROPN
emaj-264	71	13	(	(	PUNCT
emaj-264	71	14	2015	2015	NUM
emaj-264	71	15	)	)	PUNCT
emaj-264	71	16	found	find	VERB
emaj-264	71	17	that	that	SCONJ
emaj-264	71	18	bank	bank	NOUN
emaj-264	71	19	size	size	NOUN
emaj-264	71	20	has	have	VERB
emaj-264	71	21	significant	significant	ADJ
emaj-264	71	22	negative	negative	ADJ
emaj-264	71	23	impact	impact	NOUN
emaj-264	71	24	on	on	ADP
emaj-264	71	25	car	car	NOUN
emaj-264	71	26	(	(	PUNCT
emaj-264	71	27	2014	2014	NUM
emaj-264	71	28	)	)	PUNCT
emaj-264	71	29	in	in	ADP
emaj-264	71	30	which	which	PRON
emaj-264	71	31	car	car	NOUN
emaj-264	71	32	decreases	decrease	VERB
emaj-264	71	33	when	when	SCONJ
emaj-264	71	34	there	there	PRON
emaj-264	71	35	is	be	VERB
emaj-264	71	36	an	an	DET
emaj-264	71	37	increase	increase	NOUN
emaj-264	71	38	in	in	ADP
emaj-264	71	39	bank	bank	NOUN
emaj-264	71	40	size	size	NOUN
emaj-264	71	41	and	and	CCONJ
emaj-264	71	42	vice	vice	NOUN
emaj-264	71	43	versa	versa	ADV
emaj-264	71	44	.	.	PUNCT
emaj-264	72	1	in	in	ADP
emaj-264	72	2	order	order	NOUN
emaj-264	72	3	to	to	PART
emaj-264	72	4	get	get	VERB
emaj-264	72	5	a	a	DET
emaj-264	72	6	ballpark	ballpark	ADJ
emaj-264	72	7	estimate	estimate	NOUN
emaj-264	72	8	of	of	ADP
emaj-264	72	9	how	how	SCONJ
emaj-264	72	10	big	big	ADJ
emaj-264	72	11	a	a	DET
emaj-264	72	12	bank	bank	NOUN
emaj-264	72	13	is	be	AUX
emaj-264	72	14	,	,	PUNCT
emaj-264	72	15	the	the	DET
emaj-264	72	16	natural	natural	ADJ
emaj-264	72	17	logarithm	logarithm	NOUN
emaj-264	72	18	of	of	ADP
emaj-264	72	19	its	its	PRON
emaj-264	72	20	total	total	ADJ
emaj-264	72	21	assets	asset	NOUN
emaj-264	72	22	is	be	AUX
emaj-264	72	23	sometimes	sometimes	ADV
emaj-264	72	24	utilized	utilize	VERB
emaj-264	72	25	.	.	PUNCT
emaj-264	73	1	the	the	DET
emaj-264	73	2	size	size	NOUN
emaj-264	73	3	of	of	ADP
emaj-264	73	4	a	a	DET
emaj-264	73	5	bank	bank	NOUN
emaj-264	73	6	is	be	AUX
emaj-264	73	7	significant	significant	ADJ
emaj-264	73	8	because	because	SCONJ
emaj-264	73	9	it	it	PRON
emaj-264	73	10	influences	influence	VERB
emaj-264	73	11	how	how	SCONJ
emaj-264	73	12	it	it	PRON
emaj-264	73	13	is	be	AUX
emaj-264	73	14	owned	own	VERB
emaj-264	73	15	and	and	CCONJ
emaj-264	73	16	how	how	SCONJ
emaj-264	73	17	easy	easy	ADJ
emaj-264	73	18	it	it	PRON
emaj-264	73	19	is	be	AUX
emaj-264	73	20	to	to	PART
emaj-264	73	21	obtain	obtain	VERB
emaj-264	73	22	equity	equity	NOUN
emaj-264	73	23	capital	capital	NOUN
emaj-264	73	24	and	and	CCONJ
emaj-264	73	25	survive	survive	NOUN
emaj-264	73	26	.	.	PUNCT
emaj-264	74	1	according	accord	VERB
emaj-264	74	2	to	to	ADP
emaj-264	74	3	price	price	NOUN
emaj-264	74	4	(	(	PUNCT
emaj-264	74	5	2017	2017	NUM
emaj-264	74	6	)	)	PUNCT
emaj-264	74	7	,	,	PUNCT
emaj-264	74	8	one	one	NUM
emaj-264	74	9	of	of	ADP
emaj-264	74	10	the	the	DET
emaj-264	74	11	topics	topic	NOUN
emaj-264	74	12	that	that	PRON
emaj-264	74	13	is	be	AUX
emaj-264	74	14	being	be	AUX
emaj-264	74	15	discussed	discuss	VERB
emaj-264	74	16	in	in	ADP
emaj-264	74	17	the	the	DET
emaj-264	74	18	new	new	ADJ
emaj-264	74	19	best	good	ADJ
emaj-264	74	20	practices	practice	NOUN
emaj-264	74	21	is	be	AUX
emaj-264	74	22	the	the	DET
emaj-264	74	23	question	question	NOUN
emaj-264	74	24	of	of	ADP
emaj-264	74	25	whether	whether	SCONJ
emaj-264	74	26	or	or	CCONJ
emaj-264	74	27	not	not	PART
emaj-264	74	28	board	board	NOUN
emaj-264	74	29	size	size	NOUN
emaj-264	74	30	matters	matter	NOUN
emaj-264	74	31	.	.	PUNCT
emaj-264	75	1	to	to	ADP
emaj-264	75	2	this	this	PRON
emaj-264	75	3	,	,	PUNCT
emaj-264	75	4	there	there	PRON
emaj-264	75	5	is	be	VERB
emaj-264	75	6	no	no	DET
emaj-264	75	7	consensus	consensus	NOUN
emaj-264	75	8	yet	yet	ADV
emaj-264	75	9	regarding	regard	VERB
emaj-264	75	10	the	the	DET
emaj-264	75	11	actual	actual	ADJ
emaj-264	75	12	number	number	NOUN
emaj-264	75	13	that	that	PRON
emaj-264	75	14	should	should	AUX
emaj-264	75	15	make	make	VERB
emaj-264	75	16	up	up	ADP
emaj-264	75	17	the	the	DET
emaj-264	75	18	board	board	NOUN
emaj-264	75	19	of	of	ADP
emaj-264	75	20	directors	director	NOUN
emaj-264	75	21	.	.	PUNCT
emaj-264	76	1	price	price	NOUN
emaj-264	76	2	referenced	reference	VERB
emaj-264	76	3	a	a	DET
emaj-264	76	4	study	study	NOUN
emaj-264	76	5	conducted	conduct	VERB
emaj-264	76	6	by	by	ADP
emaj-264	76	7	gmi	gmi	PROPN
emaj-264	76	8	ratings	rating	NOUN
emaj-264	76	9	that	that	PRON
emaj-264	76	10	came	come	VERB
emaj-264	76	11	to	to	ADP
emaj-264	76	12	the	the	DET
emaj-264	76	13	conclusion	conclusion	NOUN
emaj-264	76	14	that	that	SCONJ
emaj-264	76	15	smaller	small	ADJ
emaj-264	76	16	boards	board	NOUN
emaj-264	76	17	have	have	AUX
emaj-264	76	18	more	more	ADJ
emaj-264	76	19	returns	return	NOUN
emaj-264	76	20	,	,	PUNCT
emaj-264	76	21	better	well	ADJ
emaj-264	76	22	monitoring	monitoring	NOUN
emaj-264	76	23	,	,	PUNCT
emaj-264	76	24	and	and	CCONJ
emaj-264	76	25	are	be	AUX
emaj-264	76	26	better	well	ADJ
emaj-264	76	27	overall	overall	ADJ
emaj-264	76	28	.	.	PUNCT
emaj-264	77	1	he	he	PRON
emaj-264	77	2	reasoned	reason	VERB
emaj-264	77	3	that	that	SCONJ
emaj-264	77	4	in	in	ADP
emaj-264	77	5	order	order	NOUN
emaj-264	77	6	to	to	PART
emaj-264	77	7	be	be	AUX
emaj-264	77	8	effective	effective	ADJ
emaj-264	77	9	,	,	PUNCT
emaj-264	77	10	boards	board	NOUN
emaj-264	77	11	of	of	ADP
emaj-264	77	12	directors	director	NOUN
emaj-264	77	13	"	"	PUNCT
emaj-264	77	14	must	must	AUX
emaj-264	77	15	meet	meet	VERB
emaj-264	77	16	the	the	DET
emaj-264	77	17	particular	particular	ADJ
emaj-264	77	18	demands	demand	NOUN
emaj-264	77	19	of	of	ADP
emaj-264	77	20	each	each	DET
emaj-264	77	21	organization	organization	NOUN
emaj-264	77	22	when	when	SCONJ
emaj-264	77	23	determining	determine	VERB
emaj-264	77	24	board	board	NOUN
emaj-264	77	25	size	size	NOUN
emaj-264	77	26	and	and	CCONJ
emaj-264	77	27	makeup	makeup	NOUN
emaj-264	77	28	.	.	PUNCT
emaj-264	77	29	"	"	PUNCT
emaj-264	78	1	that	that	SCONJ
emaj-264	78	2	the	the	DET
emaj-264	78	3	size	size	NOUN
emaj-264	78	4	of	of	ADP
emaj-264	78	5	the	the	DET
emaj-264	78	6	company	company	NOUN
emaj-264	78	7	,	,	PUNCT
emaj-264	78	8	the	the	DET
emaj-264	78	9	type	type	NOUN
emaj-264	78	10	of	of	ADP
emaj-264	78	11	industry	industry	NOUN
emaj-264	78	12	it	it	PRON
emaj-264	78	13	is	be	AUX
emaj-264	78	14	in	in	ADP
emaj-264	78	15	,	,	PUNCT
emaj-264	78	16	its	its	PRON
emaj-264	78	17	strategic	strategic	ADJ
emaj-264	78	18	needs	need	NOUN
emaj-264	78	19	,	,	PUNCT
emaj-264	78	20	and	and	CCONJ
emaj-264	78	21	where	where	SCONJ
emaj-264	78	22	it	it	PRON
emaj-264	78	23	is	be	AUX
emaj-264	78	24	in	in	ADP
emaj-264	78	25	its	its	PRON
emaj-264	78	26	business	business	NOUN
emaj-264	78	27	cycle	cycle	NOUN
emaj-264	78	28	all	all	PRON
emaj-264	78	29	have	have	VERB
emaj-264	78	30	a	a	DET
emaj-264	78	31	part	part	NOUN
emaj-264	78	32	in	in	ADP
emaj-264	78	33	determining	determine	VERB
emaj-264	78	34	how	how	SCONJ
emaj-264	78	35	few	few	ADJ
emaj-264	78	36	board	board	NOUN
emaj-264	78	37	members	member	NOUN
emaj-264	78	38	it	it	PRON
emaj-264	78	39	requires	require	VERB
emaj-264	78	40	to	to	PART
emaj-264	78	41	function	function	VERB
emaj-264	78	42	optimally	optimally	ADV
emaj-264	78	43	.	.	PUNCT
emaj-264	79	1	kristijan	kristijan	PROPN
emaj-264	79	2	and	and	CCONJ
emaj-264	79	3	mirjana	mirjana	PROPN
emaj-264	79	4	(	(	PUNCT
emaj-264	79	5	2020	2020	NUM
emaj-264	79	6	)	)	PUNCT
emaj-264	79	7	looked	look	VERB
emaj-264	79	8	at	at	ADP
emaj-264	79	9	how	how	SCONJ
emaj-264	79	10	npls	npls	NOUN
emaj-264	79	11	changed	change	VERB
emaj-264	79	12	in	in	ADP
emaj-264	79	13	the	the	DET
emaj-264	79	14	banking	banking	NOUN
emaj-264	79	15	industry	industry	NOUN
emaj-264	79	16	of	of	ADP
emaj-264	79	17	the	the	DET
emaj-264	79	18	republic	republic	NOUN
emaj-264	79	19	of	of	ADP
emaj-264	79	20	serbia	serbia	PROPN
emaj-264	79	21	from	from	ADP
emaj-264	79	22	2010	2010	NUM
emaj-264	79	23	to	to	ADP
emaj-264	79	24	2019	2019	NUM
emaj-264	79	25	.	.	PUNCT
emaj-264	80	1	they	they	PRON
emaj-264	80	2	did	do	VERB
emaj-264	80	3	this	this	PRON
emaj-264	80	4	to	to	PART
emaj-264	80	5	find	find	VERB
emaj-264	80	6	out	out	ADP
emaj-264	80	7	what	what	PRON
emaj-264	80	8	factors	factor	NOUN
emaj-264	80	9	have	have	VERB
emaj-264	80	10	a	a	DET
emaj-264	80	11	big	big	ADJ
emaj-264	80	12	effect	effect	NOUN
emaj-264	80	13	on	on	ADP
emaj-264	80	14	credit	credit	NOUN
emaj-264	80	15	risk	risk	NOUN
emaj-264	80	16	.	.	PUNCT
emaj-264	81	1	the	the	DET
emaj-264	81	2	research	research	NOUN
emaj-264	81	3	that	that	PRON
emaj-264	81	4	looked	look	VERB
emaj-264	81	5	at	at	ADP
emaj-264	81	6	data	datum	NOUN
emaj-264	81	7	from	from	ADP
emaj-264	81	8	a	a	DET
emaj-264	81	9	vector	vector	NOUN
emaj-264	81	10	autoregressive	autoregressive	ADJ
emaj-264	81	11	model	model	NOUN
emaj-264	81	12	found	find	VERB
emaj-264	81	13	that	that	SCONJ
emaj-264	81	14	things	thing	NOUN
emaj-264	81	15	like	like	ADP
emaj-264	81	16	capital	capital	NOUN
emaj-264	81	17	adequacy	adequacy	NOUN
emaj-264	81	18	ratio	ratio	NOUN
emaj-264	81	19	,	,	PUNCT
emaj-264	81	20	inflation	inflation	NOUN
emaj-264	81	21	,	,	PUNCT
emaj-264	81	22	gdp	gdp	NOUN
emaj-264	81	23	,	,	PUNCT
emaj-264	81	24	roa	roa	PROPN
emaj-264	81	25	,	,	PUNCT
emaj-264	81	26	income	income	NOUN
emaj-264	81	27	diversification	diversification	NOUN
emaj-264	81	28	,	,	PUNCT
emaj-264	81	29	unemployment	unemployment	NOUN
emaj-264	81	30	and	and	CCONJ
emaj-264	81	31	cost	cost	NOUN
emaj-264	81	32	efficiency	efficiency	NOUN
emaj-264	81	33	all	all	PRON
emaj-264	81	34	have	have	VERB
emaj-264	81	35	an	an	DET
emaj-264	81	36	effect	effect	NOUN
emaj-264	81	37	on	on	ADP
emaj-264	81	38	npls	npls	NOUN
emaj-264	81	39	(	(	PUNCT
emaj-264	81	40	var	var	NOUN
emaj-264	81	41	)	)	PUNCT
emaj-264	81	42	.	.	PUNCT
emaj-264	82	1	the	the	DET
emaj-264	82	2	analysis	analysis	NOUN
emaj-264	82	3	showed	show	VERB
emaj-264	82	4	that	that	SCONJ
emaj-264	82	5	the	the	DET
emaj-264	82	6	number	number	NOUN
emaj-264	82	7	of	of	ADP
emaj-264	82	8	loans	loan	NOUN
emaj-264	82	9	that	that	PRON
emaj-264	82	10	are	be	AUX
emaj-264	82	11	not	not	PART
emaj-264	82	12	being	be	AUX
emaj-264	82	13	paid	pay	VERB
emaj-264	82	14	back	back	ADP
emaj-264	82	15	relies	relie	NOUN
emaj-264	82	16	on	on	ADP
emaj-264	82	17	macroeconomy	macroeconomy	NOUN
emaj-264	82	18	and	and	CCONJ
emaj-264	82	19	the	the	DET
emaj-264	82	20	extent	extent	NOUN
emaj-264	82	21	to	to	PART
emaj-264	82	22	which	which	PRON
emaj-264	82	23	it	it	PRON
emaj-264	82	24	affects	affect	VERB
emaj-264	82	25	bank	bank	NOUN
emaj-264	82	26	-	-	PUNCT
emaj-264	82	27	specific	specific	ADJ
emaj-264	82	28	factors	factor	NOUN
emaj-264	82	29	that	that	PRON
emaj-264	82	30	regulatory	regulatory	ADJ
emaj-264	82	31	authorities	authority	NOUN
emaj-264	82	32	have	have	VERB
emaj-264	82	33	to	to	PART
emaj-264	82	34	take	take	VERB
emaj-264	82	35	into	into	ADP
emaj-264	82	36	account	account	NOUN
emaj-264	82	37	when	when	SCONJ
emaj-264	82	38	figuring	figure	VERB
emaj-264	82	39	out	out	ADP
emaj-264	82	40	the	the	DET
emaj-264	82	41	credit	credit	NOUN
emaj-264	82	42	risk	risk	NOUN
emaj-264	82	43	that	that	PRON
emaj-264	82	44	banks	bank	NOUN
emaj-264	82	45	face	face	VERB
emaj-264	82	46	.	.	PUNCT
emaj-264	83	1	yilmaz	yilmaz	NOUN
emaj-264	83	2	(	(	PUNCT
emaj-264	83	3	2019	2019	NUM
emaj-264	83	4	)	)	PUNCT
emaj-264	83	5	using	use	VERB
emaj-264	83	6	panel	panel	NOUN
emaj-264	83	7	data	datum	NOUN
emaj-264	83	8	sought	seek	VERB
emaj-264	83	9	out	out	ADP
emaj-264	83	10	the	the	DET
emaj-264	83	11	determinant	determinant	NOUN
emaj-264	83	12	of	of	ADP
emaj-264	83	13	bank	bank	NOUN
emaj-264	83	14	survival	survival	NOUN
emaj-264	83	15	between	between	ADP
emaj-264	83	16	2000	2000	NUM
emaj-264	83	17	and	and	CCONJ
emaj-264	83	18	2013	2013	NUM
emaj-264	83	19	.	.	PUNCT
emaj-264	84	1	the	the	DET
emaj-264	84	2	result	result	NOUN
emaj-264	84	3	revealed	reveal	VERB
emaj-264	84	4	that	that	SCONJ
emaj-264	84	5	economic	economic	ADJ
emaj-264	84	6	growth	growth	NOUN
emaj-264	84	7	,	,	PUNCT
emaj-264	84	8	economic	economic	ADJ
emaj-264	84	9	freedom	freedom	NOUN
emaj-264	84	10	and	and	CCONJ
emaj-264	84	11	inflation	inflation	NOUN
emaj-264	84	12	are	be	AUX
emaj-264	84	13	essential	essential	ADJ
emaj-264	84	14	for	for	ADP
emaj-264	84	15	bank	bank	NOUN
emaj-264	84	16	survival	survival	NOUN
emaj-264	84	17	.	.	PUNCT
emaj-264	85	1	other	other	ADJ
emaj-264	85	2	factors	factor	NOUN
emaj-264	85	3	identified	identify	VERB
emaj-264	85	4	include	include	VERB
emaj-264	85	5	return	return	NOUN
emaj-264	85	6	on	on	ADP
emaj-264	85	7	assets	asset	NOUN
emaj-264	85	8	and	and	CCONJ
emaj-264	85	9	equity	equity	NOUN
emaj-264	85	10	,	,	PUNCT
emaj-264	85	11	and	and	CCONJ
emaj-264	85	12	noninterest	noninter	ADJ
emaj-264	85	13	income	income	NOUN
emaj-264	85	14	to	to	ADP
emaj-264	85	15	total	total	ADJ
emaj-264	85	16	income	income	NOUN
emaj-264	85	17	all	all	PRON
emaj-264	85	18	hurt	hurt	VERB
emaj-264	85	19	non	non	ADJ
emaj-264	85	20	-	-	ADJ
emaj-264	85	21	performing	perform	VERB
emaj-264	85	22	loans	loan	NOUN
emaj-264	85	23	.	.	PUNCT
emaj-264	86	1	on	on	ADP
emaj-264	86	2	the	the	DET
emaj-264	86	3	other	other	ADJ
emaj-264	86	4	hand	hand	NOUN
emaj-264	86	5	,	,	PUNCT
emaj-264	86	6	public	public	ADJ
emaj-264	86	7	debt	debt	NOUN
emaj-264	86	8	,	,	PUNCT
emaj-264	86	9	unemployment	unemployment	NOUN
emaj-264	86	10	,	,	PUNCT
emaj-264	86	11	lagged	lag	VERB
emaj-264	86	12	values	value	NOUN
emaj-264	86	13	of	of	ADP
emaj-264	86	14	nonperforming	nonperforme	VERB
emaj-264	86	15	loans	loan	NOUN
emaj-264	86	16	,	,	PUNCT
emaj-264	86	17	credit	credit	NOUN
emaj-264	86	18	growth	growth	NOUN
emaj-264	86	19	,	,	PUNCT
emaj-264	86	20	cost	cost	NOUN
emaj-264	86	21	to	to	ADP
emaj-264	86	22	income	income	NOUN
emaj-264	86	23	ratio	ratio	NOUN
emaj-264	86	24	,	,	PUNCT
emaj-264	86	25	and	and	CCONJ
emaj-264	86	26	lagged	lag	VERB
emaj-264	86	27	values	value	NOUN
emaj-264	86	28	of	of	ADP
emaj-264	86	29	performing	perform	VERB
emaj-264	86	30	loans	loan	NOUN
emaj-264	86	31	all	all	PRON
emaj-264	86	32	helped	help	VERB
emaj-264	86	33	nonperforming	nonperforme	VERB
emaj-264	86	34	loans	loan	NOUN
emaj-264	86	35	.	.	PUNCT
emaj-264	87	1	moeidh	moeidh	PROPN
emaj-264	87	2	and	and	CCONJ
emaj-264	87	3	khalid	khalid	PROPN
emaj-264	87	4	(	(	PUNCT
emaj-264	87	5	2015	2015	NUM
emaj-264	87	6	)	)	PUNCT
emaj-264	87	7	conducted	conduct	VERB
emaj-264	87	8	a	a	DET
emaj-264	87	9	study	study	NOUN
emaj-264	87	10	from	from	ADP
emaj-264	87	11	2005	2005	NUM
emaj-264	87	12	to	to	ADP
emaj-264	87	13	2013	2013	NUM
emaj-264	87	14	to	to	PART
emaj-264	87	15	determine	determine	VERB
emaj-264	87	16	how	how	SCONJ
emaj-264	87	17	seven	seven	NUM
emaj-264	87	18	internal	internal	ADJ
emaj-264	87	19	factors	factor	NOUN
emaj-264	87	20	affected	affect	VERB
emaj-264	87	21	the	the	DET
emaj-264	87	22	car	car	NOUN
emaj-264	87	23	of	of	ADP
emaj-264	87	24	five	five	NUM
emaj-264	87	25	traditional	traditional	ADJ
emaj-264	87	26	banks	bank	NOUN
emaj-264	87	27	in	in	ADP
emaj-264	87	28	kuwaiti	kuwaiti	PROPN
emaj-264	87	29	.	.	PUNCT
emaj-264	88	1	the	the	DET
emaj-264	88	2	proportions	proportion	NOUN
emaj-264	88	3	of	of	ADP
emaj-264	88	4	loan	loan	NOUN
emaj-264	88	5	to	to	ADP
emaj-264	88	6	assets	asset	NOUN
emaj-264	88	7	and	and	CCONJ
emaj-264	88	8	deposits	deposit	NOUN
emaj-264	88	9	,	,	PUNCT
emaj-264	88	10	non	non	ADJ
emaj-264	88	11	-	-	ADJ
emaj-264	88	12	performing	performing	ADJ
emaj-264	88	13	loans	loan	NOUN
emaj-264	88	14	as	as	ADP
emaj-264	88	15	a	a	DET
emaj-264	88	16	percentage	percentage	NOUN
emaj-264	88	17	of	of	ADP
emaj-264	88	18	total	total	ADJ
emaj-264	88	19	loans	loan	NOUN
emaj-264	88	20	,	,	PUNCT
emaj-264	88	21	returns	return	NOUN
emaj-264	88	22	on	on	ADP
emaj-264	88	23	assets	asset	NOUN
emaj-264	88	24	and	and	CCONJ
emaj-264	88	25	equity	equity	NOUN
emaj-264	88	26	,	,	PUNCT
emaj-264	88	27	dividends	dividend	NOUN
emaj-264	88	28	paid	pay	VERB
emaj-264	88	29	out	out	ADP
emaj-264	88	30	,	,	PUNCT
emaj-264	88	31	and	and	CCONJ
emaj-264	88	32	total	total	ADJ
emaj-264	88	33	liabilities	liability	NOUN
emaj-264	88	34	as	as	ADP
emaj-264	88	35	a	a	DET
emaj-264	88	36	percentage	percentage	NOUN
emaj-264	88	37	of	of	ADP
emaj-264	88	38	the	the	DET
emaj-264	88	39	total	total	ADJ
emaj-264	88	40	assets	asset	NOUN
emaj-264	88	41	are	be	AUX
emaj-264	88	42	all	all	ADV
emaj-264	88	43	taken	take	VERB
emaj-264	88	44	into	into	ADP
emaj-264	88	45	account	account	NOUN
emaj-264	88	46	.	.	PUNCT
emaj-264	89	1	according	accord	VERB
emaj-264	89	2	to	to	ADP
emaj-264	89	3	the	the	DET
emaj-264	89	4	results	result	NOUN
emaj-264	89	5	,	,	PUNCT
emaj-264	89	6	when	when	SCONJ
emaj-264	89	7	a	a	DET
emaj-264	89	8	fixed	fix	VERB
emaj-264	89	9	effect	effect	NOUN
emaj-264	89	10	model	model	NOUN
emaj-264	89	11	was	be	AUX
emaj-264	89	12	employed	employ	VERB
emaj-264	89	13	,	,	PUNCT
emaj-264	89	14	neither	neither	CCONJ
emaj-264	89	15	dividend	dividend	NOUN
emaj-264	89	16	nor	nor	CCONJ
emaj-264	89	17	lar	lar	ADJ
emaj-264	89	18	nor	nor	CCONJ
emaj-264	89	19	ldr	ldr	VERB
emaj-264	89	20	nor	nor	CCONJ
emaj-264	89	21	npllr	npllr	VERB
emaj-264	89	22	nor	nor	CCONJ
emaj-264	89	23	roe	roe	PROPN
emaj-264	89	24	influenced	influence	VERB
emaj-264	89	25	the	the	DET
emaj-264	89	26	capital	capital	NOUN
emaj-264	89	27	adequacy	adequacy	NOUN
emaj-264	89	28	and	and	CCONJ
emaj-264	89	29	liquidity	liquidity	NOUN
emaj-264	89	30	ratio	ratio	NOUN
emaj-264	89	31	.	.	PUNCT
emaj-264	90	1	capital	capital	NOUN
emaj-264	90	2	adequacy	adequacy	PROPN
emaj-264	90	3	ratio	ratio	NOUN
emaj-264	90	4	was	be	AUX
emaj-264	90	5	discovered	discover	VERB
emaj-264	90	6	to	to	PART
emaj-264	90	7	have	have	VERB
emaj-264	90	8	a	a	DET
emaj-264	90	9	substantial	substantial	ADJ
emaj-264	90	10	and	and	CCONJ
emaj-264	90	11	inverse	inverse	NOUN
emaj-264	90	12	relationship	relationship	NOUN
emaj-264	90	13	with	with	ADP
emaj-264	90	14	both	both	PRON
emaj-264	90	15	roa	roa	NOUN
emaj-264	90	16	and	and	CCONJ
emaj-264	90	17	size	size	NOUN
emaj-264	90	18	.	.	PUNCT
emaj-264	91	1	based	base	VERB
emaj-264	91	2	on	on	ADP
emaj-264	91	3	the	the	DET
emaj-264	91	4	random	random	ADJ
emaj-264	91	5	effect	effect	NOUN
emaj-264	91	6	model	model	NOUN
emaj-264	91	7	,	,	PUNCT
emaj-264	91	8	it	it	PRON
emaj-264	91	9	is	be	AUX
emaj-264	91	10	found	find	VERB
emaj-264	91	11	that	that	SCONJ
emaj-264	91	12	car	car	NOUN
emaj-264	91	13	negatively	negatively	ADV
emaj-264	91	14	impacts	impact	VERB
emaj-264	91	15	size	size	NOUN
emaj-264	91	16	(	(	PUNCT
emaj-264	91	17	the	the	DET
emaj-264	91	18	proportion	proportion	NOUN
emaj-264	91	19	of	of	ADP
emaj-264	91	20	a	a	DET
emaj-264	91	21	bank	bank	NOUN
emaj-264	91	22	's	's	PART
emaj-264	91	23	total	total	ADJ
emaj-264	91	24	liabilities	liability	NOUN
emaj-264	91	25	to	to	ADP
emaj-264	91	26	its	its	PRON
emaj-264	91	27	total	total	ADJ
emaj-264	91	28	assets	asset	NOUN
emaj-264	91	29	)	)	PUNCT
emaj-264	91	30	,	,	PUNCT
emaj-264	91	31	and	and	CCONJ
emaj-264	91	32	roa	roa	PROPN
emaj-264	91	33	has	have	VERB
emaj-264	91	34	a	a	DET
emaj-264	91	35	robust	robust	ADJ
emaj-264	91	36	and	and	CCONJ
emaj-264	91	37	negative	negative	ADJ
emaj-264	91	38	relationship	relationship	NOUN
emaj-264	91	39	with	with	ADP
emaj-264	91	40	capital	capital	NOUN
emaj-264	91	41	adequacy	adequacy	NOUN
emaj-264	91	42	ratio	ratio	NOUN
emaj-264	91	43	.	.	PUNCT
emaj-264	92	1	a	a	DET
emaj-264	92	2	definite	definite	ADJ
emaj-264	92	3	and	and	CCONJ
emaj-264	92	4	positive	positive	ADJ
emaj-264	92	5	correlation	correlation	NOUN
emaj-264	92	6	existed	exist	VERB
emaj-264	92	7	,	,	PUNCT
emaj-264	92	8	however	however	ADV
emaj-264	92	9	,	,	PUNCT
emaj-264	92	10	between	between	ADP
emaj-264	92	11	the	the	DET
emaj-264	92	12	loan	loan	NOUN
emaj-264	92	13	to	to	PART
emaj-264	92	14	deposit	deposit	VERB
emaj-264	92	15	ratio	ratio	NOUN
emaj-264	92	16	(	(	PUNCT
emaj-264	92	17	ldr	ldr	PROPN
emaj-264	92	18	)	)	PUNCT
emaj-264	92	19	and	and	CCONJ
emaj-264	92	20	the	the	DET
emaj-264	92	21	capital	capital	NOUN
emaj-264	92	22	adequacy	adequacy	NOUN
emaj-264	92	23	ratio	ratio	NOUN
emaj-264	92	24	.	.	PUNCT
emaj-264	93	1	in	in	ADP
emaj-264	93	2	contrast	contrast	NOUN
emaj-264	93	3	,	,	PUNCT
emaj-264	93	4	the	the	DET
emaj-264	93	5	random	random	ADJ
emaj-264	93	6	-	-	PUNCT
emaj-264	93	7	effect	effect	NOUN
emaj-264	93	8	model	model	NOUN
emaj-264	93	9	found	find	VERB
emaj-264	93	10	no	no	DET
emaj-264	93	11	relationship	relationship	NOUN
emaj-264	93	12	between	between	ADP
emaj-264	93	13	car	car	NOUN
emaj-264	93	14	and	and	CCONJ
emaj-264	93	15	dividend	dividend	NOUN
emaj-264	93	16	per	per	ADP
emaj-264	93	17	share	share	NOUN
emaj-264	93	18	,	,	PUNCT
emaj-264	93	19	loans	loan	NOUN
emaj-264	93	20	to	to	ADP
emaj-264	93	21	assets	asset	NOUN
emaj-264	93	22	,	,	PUNCT
emaj-264	93	23	quasi	quasi	ADJ
emaj-264	93	24	loans	loan	NOUN
emaj-264	93	25	to	to	ADP
emaj-264	93	26	total	total	ADJ
emaj-264	93	27	loans	loan	NOUN
emaj-264	93	28	,	,	PUNCT
emaj-264	93	29	or	or	CCONJ
emaj-264	93	30	return	return	VERB
emaj-264	93	31	on	on	ADP
emaj-264	93	32	equity	equity	NOUN
emaj-264	93	33	.	.	PUNCT
emaj-264	94	1	using	use	VERB
emaj-264	94	2	data	datum	NOUN
emaj-264	94	3	from	from	ADP
emaj-264	94	4	the	the	DET
emaj-264	94	5	year	year	NOUN
emaj-264	94	6	2020	2020	NUM
emaj-264	94	7	,	,	PUNCT
emaj-264	94	8	feyen	feyen	NOUN
emaj-264	94	9	and	and	CCONJ
emaj-264	94	10	huertas	huerta	NOUN
emaj-264	94	11	(	(	PUNCT
emaj-264	94	12	2020	2020	NUM
emaj-264	94	13	)	)	PUNCT
emaj-264	94	14	analyzed	analyze	VERB
emaj-264	94	15	the	the	DET
emaj-264	94	16	movements	movement	NOUN
emaj-264	94	17	of	of	ADP
emaj-264	94	18	nominal	nominal	ADJ
emaj-264	94	19	lending	lending	NOUN
emaj-264	94	20	interest	interest	NOUN
emaj-264	94	21	rates	rate	NOUN
emaj-264	94	22	and	and	CCONJ
emaj-264	94	23	the	the	DET
emaj-264	94	24	lending	lending	NOUN
emaj-264	94	25	-	-	PUNCT
emaj-264	94	26	deposit	deposit	NOUN
emaj-264	94	27	interest	interest	NOUN
emaj-264	94	28	rate	rate	NOUN
emaj-264	94	29	spreads	spread	VERB
emaj-264	94	30	in	in	ADP
emaj-264	94	31	emerging	emerge	VERB
emaj-264	94	32	and	and	CCONJ
emaj-264	94	33	developing	develop	VERB
emaj-264	94	34	markets	market	NOUN
emaj-264	94	35	.	.	PUNCT
emaj-264	95	1	data	datum	NOUN
emaj-264	95	2	from	from	ADP
emaj-264	95	3	140	140	NUM
emaj-264	95	4	developing	develop	VERB
emaj-264	95	5	and	and	CCONJ
emaj-264	95	6	emerging	emerge	VERB
emaj-264	95	7	economies	economy	NOUN
emaj-264	95	8	were	be	AUX
emaj-264	95	9	analyzed	analyze	VERB
emaj-264	95	10	,	,	PUNCT
emaj-264	95	11	and	and	CCONJ
emaj-264	95	12	the	the	DET
emaj-264	95	13	results	result	NOUN
emaj-264	95	14	showed	show	VERB
emaj-264	95	15	that	that	SCONJ
emaj-264	95	16	between	between	ADP
emaj-264	95	17	2003	2003	NUM
emaj-264	95	18	and	and	CCONJ
emaj-264	95	19	2017	2017	NUM
emaj-264	95	20	both	both	DET
emaj-264	95	21	nominal	nominal	ADJ
emaj-264	95	22	lending	lending	NOUN
emaj-264	95	23	rates	rate	NOUN
emaj-264	95	24	and	and	CCONJ
emaj-264	95	25	spreads	spread	NOUN
emaj-264	95	26	declined	decline	VERB
emaj-264	95	27	,	,	PUNCT
emaj-264	95	28	while	while	SCONJ
emaj-264	95	29	regional	regional	ADJ
emaj-264	95	30	diversity	diversity	NOUN
emaj-264	95	31	was	be	AUX
emaj-264	95	32	observed	observe	VERB
emaj-264	95	33	.	.	PUNCT
emaj-264	96	1	correlations	correlation	NOUN
emaj-264	96	2	between	between	ADP
emaj-264	96	3	nominal	nominal	ADJ
emaj-264	96	4	lending	lending	NOUN
emaj-264	96	5	rates	rate	NOUN
emaj-264	96	6	and	and	CCONJ
emaj-264	96	7	other	other	ADJ
emaj-264	96	8	factors	factor	NOUN
emaj-264	96	9	were	be	AUX
emaj-264	96	10	found	find	VERB
emaj-264	96	11	in	in	ADP
emaj-264	96	12	the	the	DET
emaj-264	96	13	illustrative	illustrative	ADJ
emaj-264	96	14	regressions	regression	NOUN
emaj-264	96	15	.	.	PUNCT
emaj-264	97	1	inflation	inflation	NOUN
emaj-264	97	2	,	,	PUNCT
emaj-264	97	3	public	public	ADJ
emaj-264	97	4	debt	debt	NOUN
emaj-264	97	5	,	,	PUNCT
emaj-264	97	6	and	and	CCONJ
emaj-264	97	7	the	the	DET
emaj-264	97	8	policy	policy	NOUN
emaj-264	97	9	interest	interest	NOUN
emaj-264	97	10	rate	rate	NOUN
emaj-264	97	11	are	be	AUX
emaj-264	97	12	all	all	PRON
emaj-264	97	13	examples	example	NOUN
emaj-264	97	14	of	of	ADP
emaj-264	97	15	macro	macro	ADJ
emaj-264	97	16	-	-	ADJ
emaj-264	97	17	financial	financial	ADJ
emaj-264	97	18	conditions	condition	NOUN
emaj-264	97	19	;	;	PUNCT
emaj-264	97	20	banking	banking	NOUN
emaj-264	97	21	characteristics	characteristic	NOUN
emaj-264	97	22	such	such	ADJ
emaj-264	97	23	as	as	ADP
emaj-264	97	24	overhead	overhead	ADJ
emaj-264	97	25	expenses	expense	NOUN
emaj-264	97	26	,	,	PUNCT
emaj-264	97	27	non	non	ADJ
emaj-264	97	28	-	-	ADJ
emaj-264	97	29	interest	interest	ADJ
emaj-264	97	30	income	income	NOUN
emaj-264	97	31	,	,	PUNCT
emaj-264	97	32	and	and	CCONJ
emaj-264	97	33	non	non	ADJ
emaj-264	97	34	-	-	ADJ
emaj-264	97	35	performing	performing	ADJ
emaj-264	97	36	loans	loan	NOUN
emaj-264	97	37	;	;	PUNCT
emaj-264	97	38	and	and	CCONJ
emaj-264	97	39	finally	finally	ADV
emaj-264	97	40	,	,	PUNCT
emaj-264	97	41	credit	credit	NOUN
emaj-264	97	42	bureau	bureau	NOUN
emaj-264	97	43	coverage	coverage	NOUN
emaj-264	97	44	and	and	CCONJ
emaj-264	97	45	the	the	DET
emaj-264	97	46	time	time	NOUN
emaj-264	97	47	it	it	PRON
emaj-264	97	48	takes	take	VERB
emaj-264	97	49	to	to	PART
emaj-264	97	50	resolve	resolve	VERB
emaj-264	97	51	insolvency	insolvency	NOUN
emaj-264	97	52	are	be	AUX
emaj-264	97	53	examples	example	NOUN
emaj-264	97	54	of	of	ADP
emaj-264	97	55	banking	banking	NOUN
emaj-264	97	56	characteristics	characteristic	NOUN
emaj-264	97	57	(	(	PUNCT
emaj-264	97	58	business	business	NOUN
emaj-264	97	59	environment	environment	NOUN
emaj-264	97	60	)	)	PUNCT
emaj-264	97	61	.	.	PUNCT
emaj-264	98	1	finally	finally	ADV
emaj-264	98	2	,	,	PUNCT
emaj-264	98	3	breakdowns	breakdown	NOUN
emaj-264	98	4	of	of	ADP
emaj-264	98	5	the	the	DET
emaj-264	98	6	level	level	NOUN
emaj-264	98	7	and	and	CCONJ
emaj-264	98	8	10	10	NUM
emaj-264	98	9	-	-	PUNCT
emaj-264	98	10	year	year	NOUN
emaj-264	98	11	change	change	NOUN
emaj-264	98	12	in	in	ADP
emaj-264	98	13	nominal	nominal	ADJ
emaj-264	98	14	loan	loan	NOUN
emaj-264	98	15	rates	rate	NOUN
emaj-264	98	16	between	between	ADP
emaj-264	98	17	2007	2007	NUM
emaj-264	98	18	and	and	CCONJ
emaj-264	98	19	2017	2017	NUM
emaj-264	98	20	illustrated	illustrate	VERB
emaj-264	98	21	regional	regional	ADJ
emaj-264	98	22	differences	difference	NOUN
emaj-264	98	23	.	.	PUNCT
emaj-264	99	1	the	the	DET
emaj-264	99	2	years	year	NOUN
emaj-264	99	3	2007	2007	NUM
emaj-264	99	4	-	-	SYM
emaj-264	99	5	2017	2017	NUM
emaj-264	99	6	were	be	AUX
emaj-264	99	7	the	the	DET
emaj-264	99	8	focal	focal	ADJ
emaj-264	99	9	point	point	NOUN
emaj-264	99	10	of	of	ADP
emaj-264	99	11	these	these	DET
emaj-264	99	12	studies	study	NOUN
emaj-264	99	13	.	.	PUNCT
emaj-264	100	1	the	the	DET
emaj-264	100	2	authors	author	NOUN
emaj-264	100	3	attribute	attribute	VERB
emaj-264	100	4	the	the	DET
emaj-264	100	5	observed	observe	VERB
emaj-264	100	6	decline	decline	NOUN
emaj-264	100	7	in	in	ADP
emaj-264	100	8	nominal	nominal	ADJ
emaj-264	100	9	interest	interest	NOUN
emaj-264	100	10	rates	rate	NOUN
emaj-264	100	11	to	to	ADP
emaj-264	100	12	a	a	DET
emaj-264	100	13	combination	combination	NOUN
emaj-264	100	14	of	of	ADP
emaj-264	100	15	factors	factor	NOUN
emaj-264	100	16	,	,	PUNCT
emaj-264	100	17	including	include	VERB
emaj-264	100	18	falling	fall	VERB
emaj-264	100	19	inflation	inflation	NOUN
emaj-264	100	20	,	,	PUNCT
emaj-264	100	21	the	the	DET
emaj-264	100	22	policy	policy	NOUN
emaj-264	100	23	interest	interest	NOUN
emaj-264	100	24	rate	rate	NOUN
emaj-264	100	25	,	,	PUNCT
emaj-264	100	26	and	and	CCONJ
emaj-264	100	27	volume	volume	NOUN
emaj-264	100	28	12	12	NUM
emaj-264	100	29	no	no	DET
emaj-264	100	30	2	2	NUM
emaj-264	100	31	(	(	PUNCT
emaj-264	100	32	2022	2022	NUM
emaj-264	100	33	)	)	PUNCT
emaj-264	100	34	|	|	ADV
emaj-264	100	35	issn	issn	VERB
emaj-264	100	36	2158	2158	NUM
emaj-264	100	37	-	-	SYM
emaj-264	100	38	8708	8708	NUM
emaj-264	100	39	(	(	PUNCT
emaj-264	100	40	online	online	NOUN
emaj-264	100	41	)	)	PUNCT
emaj-264	100	42	|	|	ADV
emaj-264	100	43	doi	doi	X
emaj-264	100	44	10.5195	10.5195	NUM
emaj-264	100	45	/	/	SYM
emaj-264	100	46	emaj.2022.264	emaj.2022.264	PROPN
emaj-264	100	47	|	|	ADV
emaj-264	100	48	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-264	100	49	effect	effect	NOUN
emaj-264	100	50	of	of	ADP
emaj-264	100	51	interest	interest	NOUN
emaj-264	100	52	rate	rate	NOUN
emaj-264	100	53	spread	spread	VERB
emaj-264	100	54	and	and	CCONJ
emaj-264	100	55	bank	bank	NOUN
emaj-264	100	56	specific	specific	ADJ
emaj-264	100	57	factors	factor	NOUN
emaj-264	100	58	on	on	ADP
emaj-264	100	59	survival	survival	NOUN
emaj-264	100	60	of	of	ADP
emaj-264	100	61	tier	tier	NOUN
emaj-264	100	62	-	-	PUNCT
emaj-264	100	63	one	one	NUM
emaj-264	100	64	and	and	CCONJ
emaj-264	100	65	tier	tier	NOUN
emaj-264	100	66	-	-	PUNCT
emaj-264	100	67	two	two	NUM
emaj-264	100	68	deposit	deposit	NOUN
emaj-264	100	69	money	money	NOUN
emaj-264	100	70	banks	bank	NOUN
emaj-264	100	71	in	in	ADP
emaj-264	100	72	nigeria	nigeria	PROPN
emaj-264	100	73	page	page	NOUN
emaj-264	100	74	|22|	|22|	ADJ
emaj-264	100	75	emerging	emerge	VERB
emaj-264	100	76	markets	market	NOUN
emaj-264	100	77	journal	journal	VERB
emaj-264	100	78	overhead	overhead	ADJ
emaj-264	100	79	costs	cost	NOUN
emaj-264	100	80	,	,	PUNCT
emaj-264	100	81	as	as	ADV
emaj-264	100	82	well	well	ADV
emaj-264	100	83	as	as	ADP
emaj-264	100	84	an	an	DET
emaj-264	100	85	improved	improved	ADJ
emaj-264	100	86	business	business	NOUN
emaj-264	100	87	climate	climate	NOUN
emaj-264	100	88	.	.	PUNCT
emaj-264	101	1	the	the	DET
emaj-264	101	2	study	study	NOUN
emaj-264	101	3	,	,	PUNCT
emaj-264	101	4	which	which	PRON
emaj-264	101	5	was	be	AUX
emaj-264	101	6	carried	carry	VERB
emaj-264	101	7	out	out	ADP
emaj-264	101	8	in	in	ADP
emaj-264	101	9	light	light	NOUN
emaj-264	101	10	of	of	ADP
emaj-264	101	11	the	the	DET
emaj-264	101	12	current	current	ADJ
emaj-264	101	13	international	international	ADJ
emaj-264	101	14	financial	financial	ADJ
emaj-264	101	15	crisis	crisis	NOUN
emaj-264	101	16	,	,	PUNCT
emaj-264	101	17	found	find	VERB
emaj-264	101	18	that	that	SCONJ
emaj-264	101	19	a	a	DET
emaj-264	101	20	worldwide	worldwide	ADJ
emaj-264	101	21	component	component	NOUN
emaj-264	101	22	led	lead	VERB
emaj-264	101	23	to	to	ADP
emaj-264	101	24	the	the	DET
emaj-264	101	25	current	current	ADJ
emaj-264	101	26	downward	downward	ADJ
emaj-264	101	27	trend	trend	NOUN
emaj-264	101	28	in	in	ADP
emaj-264	101	29	nominal	nominal	ADJ
emaj-264	101	30	lending	lending	NOUN
emaj-264	101	31	rates	rate	NOUN
emaj-264	101	32	.	.	PUNCT
emaj-264	102	1	between	between	ADP
emaj-264	102	2	2007	2007	NUM
emaj-264	102	3	and	and	CCONJ
emaj-264	102	4	2018	2018	NUM
emaj-264	102	5	,	,	PUNCT
emaj-264	102	6	usman	usman	PROPN
emaj-264	102	7	,	,	PUNCT
emaj-264	102	8	lestari	lestari	PROPN
emaj-264	102	9	,	,	PUNCT
emaj-264	102	10	and	and	CCONJ
emaj-264	102	11	puspa	puspa	ADJ
emaj-264	102	12	(	(	PUNCT
emaj-264	102	13	2019	2019	NUM
emaj-264	102	14	)	)	PUNCT
emaj-264	102	15	analyzed	analyze	VERB
emaj-264	102	16	the	the	DET
emaj-264	102	17	factors	factor	NOUN
emaj-264	102	18	affecting	affect	VERB
emaj-264	102	19	the	the	DET
emaj-264	102	20	car	car	NOUN
emaj-264	102	21	of	of	ADP
emaj-264	102	22	27	27	NUM
emaj-264	102	23	randomly	randomly	ADV
emaj-264	102	24	selected	select	VERB
emaj-264	102	25	conventional	conventional	ADJ
emaj-264	102	26	banks	bank	NOUN
emaj-264	102	27	listed	list	VERB
emaj-264	102	28	on	on	ADP
emaj-264	102	29	the	the	DET
emaj-264	102	30	indonesia	indonesia	PROPN
emaj-264	102	31	stock	stock	PROPN
emaj-264	102	32	exchange	exchange	PROPN
emaj-264	102	33	(	(	PUNCT
emaj-264	102	34	idx	idx	PROPN
emaj-264	102	35	)	)	PUNCT
emaj-264	102	36	.	.	PUNCT
emaj-264	103	1	estimates	estimate	NOUN
emaj-264	103	2	were	be	AUX
emaj-264	103	3	made	make	VERB
emaj-264	103	4	using	use	VERB
emaj-264	103	5	the	the	DET
emaj-264	103	6	regular	regular	ADJ
emaj-264	103	7	general	general	ADJ
emaj-264	103	8	least	least	ADJ
emaj-264	103	9	squares	square	NOUN
emaj-264	103	10	(	(	PUNCT
emaj-264	103	11	gls	gls	NOUN
emaj-264	103	12	)	)	PUNCT
emaj-264	103	13	approach	approach	NOUN
emaj-264	103	14	,	,	PUNCT
emaj-264	103	15	and	and	CCONJ
emaj-264	103	16	the	the	DET
emaj-264	103	17	information	information	NOUN
emaj-264	103	18	was	be	AUX
emaj-264	103	19	examined	examine	VERB
emaj-264	103	20	using	use	VERB
emaj-264	103	21	a	a	DET
emaj-264	103	22	panel	panel	NOUN
emaj-264	103	23	data	datum	NOUN
emaj-264	103	24	regression	regression	NOUN
emaj-264	103	25	.	.	PUNCT
emaj-264	104	1	liquidity	liquidity	NOUN
emaj-264	104	2	was	be	AUX
emaj-264	104	3	found	find	VERB
emaj-264	104	4	to	to	PART
emaj-264	104	5	have	have	VERB
emaj-264	104	6	little	little	ADJ
emaj-264	104	7	effect	effect	NOUN
emaj-264	104	8	on	on	ADP
emaj-264	104	9	car	car	NOUN
emaj-264	104	10	in	in	ADP
emaj-264	104	11	the	the	DET
emaj-264	104	12	banking	banking	NOUN
emaj-264	104	13	industry	industry	NOUN
emaj-264	104	14	,	,	PUNCT
emaj-264	104	15	although	although	SCONJ
emaj-264	104	16	bank	bank	NOUN
emaj-264	104	17	size	size	NOUN
emaj-264	104	18	,	,	PUNCT
emaj-264	104	19	leverage	leverage	NOUN
emaj-264	104	20	,	,	PUNCT
emaj-264	104	21	loan	loan	NOUN
emaj-264	104	22	loss	loss	NOUN
emaj-264	104	23	reserve	reserve	NOUN
emaj-264	104	24	,	,	PUNCT
emaj-264	104	25	net	net	ADJ
emaj-264	104	26	interest	interest	NOUN
emaj-264	104	27	margin	margin	NOUN
emaj-264	104	28	,	,	PUNCT
emaj-264	104	29	and	and	CCONJ
emaj-264	104	30	loan	loan	NOUN
emaj-264	104	31	asset	asset	NOUN
emaj-264	104	32	ratio	ratio	NOUN
emaj-264	104	33	all	all	PRON
emaj-264	104	34	had	have	VERB
emaj-264	104	35	substantial	substantial	ADJ
emaj-264	104	36	effects	effect	NOUN
emaj-264	104	37	.	.	PUNCT
emaj-264	105	1	in	in	ADP
emaj-264	105	2	a	a	DET
emaj-264	105	3	study	study	NOUN
emaj-264	105	4	covering	cover	VERB
emaj-264	105	5	2011	2011	NUM
emaj-264	105	6	-	-	SYM
emaj-264	105	7	2019	2019	NUM
emaj-264	105	8	,	,	PUNCT
emaj-264	105	9	washeka	washeka	NOUN
emaj-264	105	10	(	(	PUNCT
emaj-264	105	11	2021	2021	NUM
emaj-264	105	12	)	)	PUNCT
emaj-264	105	13	looked	look	VERB
emaj-264	105	14	into	into	ADP
emaj-264	105	15	what	what	DET
emaj-264	105	16	effects	effect	NOUN
emaj-264	105	17	conventional	conventional	ADJ
emaj-264	105	18	banks	bank	NOUN
emaj-264	105	19	in	in	ADP
emaj-264	105	20	bangladesh	bangladesh	NOUN
emaj-264	105	21	had	have	AUX
emaj-264	105	22	on	on	ADP
emaj-264	105	23	the	the	DET
emaj-264	105	24	interest	interest	NOUN
emaj-264	105	25	rate	rate	NOUN
emaj-264	105	26	spread	spread	VERB
emaj-264	105	27	.	.	PUNCT
emaj-264	106	1	banks	bank	NOUN
emaj-264	106	2	'	'	PART
emaj-264	106	3	interest	interest	NOUN
emaj-264	106	4	rate	rate	NOUN
emaj-264	106	5	spread	spread	NOUN
emaj-264	106	6	was	be	AUX
emaj-264	106	7	one	one	NUM
emaj-264	106	8	of	of	ADP
emaj-264	106	9	the	the	DET
emaj-264	106	10	variables	variable	NOUN
emaj-264	106	11	taken	take	VERB
emaj-264	106	12	into	into	ADP
emaj-264	106	13	account	account	NOUN
emaj-264	106	14	among	among	ADP
emaj-264	106	15	others	other	NOUN
emaj-264	106	16	such	such	ADJ
emaj-264	106	17	as	as	ADP
emaj-264	106	18	those	those	PRON
emaj-264	106	19	unique	unique	ADJ
emaj-264	106	20	to	to	ADP
emaj-264	106	21	the	the	DET
emaj-264	106	22	banking	banking	NOUN
emaj-264	106	23	industry	industry	NOUN
emaj-264	106	24	,	,	PUNCT
emaj-264	106	25	the	the	DET
emaj-264	106	26	economy	economy	NOUN
emaj-264	106	27	as	as	ADP
emaj-264	106	28	a	a	DET
emaj-264	106	29	whole	whole	NOUN
emaj-264	106	30	,	,	PUNCT
emaj-264	106	31	and	and	CCONJ
emaj-264	106	32	macroeconomic	macroeconomic	ADJ
emaj-264	106	33	conditions	condition	NOUN
emaj-264	106	34	.	.	PUNCT
emaj-264	107	1	credit	credit	NOUN
emaj-264	107	2	risk	risk	NOUN
emaj-264	107	3	,	,	PUNCT
emaj-264	107	4	operating	operating	NOUN
emaj-264	107	5	costs	cost	NOUN
emaj-264	107	6	,	,	PUNCT
emaj-264	107	7	and	and	CCONJ
emaj-264	107	8	liquidity	liquidity	NOUN
emaj-264	107	9	risk	risk	NOUN
emaj-264	107	10	were	be	AUX
emaj-264	107	11	found	find	VERB
emaj-264	107	12	to	to	PART
emaj-264	107	13	positively	positively	ADV
emaj-264	107	14	affect	affect	VERB
emaj-264	107	15	interest	interest	NOUN
emaj-264	107	16	rate	rate	NOUN
emaj-264	107	17	spread	spread	VERB
emaj-264	107	18	.	.	PUNCT
emaj-264	108	1	depending	depend	VERB
emaj-264	108	2	on	on	ADP
emaj-264	108	3	the	the	DET
emaj-264	108	4	context	context	NOUN
emaj-264	108	5	,	,	PUNCT
emaj-264	108	6	a	a	DET
emaj-264	108	7	positive	positive	ADJ
emaj-264	108	8	or	or	CCONJ
emaj-264	108	9	negative	negative	ADJ
emaj-264	108	10	correlation	correlation	NOUN
emaj-264	108	11	between	between	ADP
emaj-264	108	12	asset	asset	NOUN
emaj-264	108	13	size	size	NOUN
emaj-264	108	14	and	and	CCONJ
emaj-264	108	15	gross	gross	ADJ
emaj-264	108	16	domestic	domestic	ADJ
emaj-264	108	17	product	product	NOUN
emaj-264	108	18	(	(	PUNCT
emaj-264	108	19	gdp	gdp	NOUN
emaj-264	108	20	)	)	PUNCT
emaj-264	108	21	was	be	AUX
emaj-264	108	22	discovered	discover	VERB
emaj-264	108	23	.	.	PUNCT
emaj-264	109	1	contrarily	contrarily	ADV
emaj-264	109	2	,	,	PUNCT
emaj-264	109	3	an	an	DET
emaj-264	109	4	inverse	inverse	NOUN
emaj-264	109	5	link	link	NOUN
emaj-264	109	6	was	be	AUX
emaj-264	109	7	discovered	discover	VERB
emaj-264	109	8	between	between	ADP
emaj-264	109	9	market	market	NOUN
emaj-264	109	10	share	share	NOUN
emaj-264	109	11	and	and	CCONJ
emaj-264	109	12	variables	variable	NOUN
emaj-264	109	13	such	such	ADJ
emaj-264	109	14	net	net	ADJ
emaj-264	109	15	interest	interest	NOUN
emaj-264	109	16	income	income	NOUN
emaj-264	109	17	,	,	PUNCT
emaj-264	109	18	capital	capital	NOUN
emaj-264	109	19	adequacy	adequacy	NOUN
emaj-264	109	20	,	,	PUNCT
emaj-264	109	21	return	return	VERB
emaj-264	109	22	on	on	ADP
emaj-264	109	23	assets	asset	NOUN
emaj-264	109	24	,	,	PUNCT
emaj-264	109	25	and	and	CCONJ
emaj-264	109	26	return	return	VERB
emaj-264	109	27	on	on	ADP
emaj-264	109	28	equity	equity	NOUN
emaj-264	109	29	.	.	PUNCT
emaj-264	110	1	a	a	DET
emaj-264	110	2	theory	theory	NOUN
emaj-264	110	3	that	that	PRON
emaj-264	110	4	aptly	aptly	ADV
emaj-264	110	5	fits	fit	VERB
emaj-264	110	6	this	this	DET
emaj-264	110	7	study	study	NOUN
emaj-264	110	8	is	be	AUX
emaj-264	110	9	the	the	DET
emaj-264	110	10	buffer	buffer	NOUN
emaj-264	110	11	theory	theory	NOUN
emaj-264	110	12	of	of	ADP
emaj-264	110	13	capital	capital	NOUN
emaj-264	110	14	adequacy	adequacy	NOUN
emaj-264	110	15	given	give	VERB
emaj-264	110	16	its	its	PRON
emaj-264	110	17	view	view	NOUN
emaj-264	110	18	that	that	SCONJ
emaj-264	110	19	banks	bank	NOUN
emaj-264	110	20	have	have	AUX
emaj-264	110	21	a	a	DET
emaj-264	110	22	preference	preference	NOUN
emaj-264	110	23	for	for	ADP
emaj-264	110	24	absorbing	absorb	VERB
emaj-264	110	25	excess	excess	ADJ
emaj-264	110	26	capital	capital	NOUN
emaj-264	110	27	with	with	ADP
emaj-264	110	28	the	the	DET
emaj-264	110	29	intent	intent	NOUN
emaj-264	110	30	of	of	ADP
emaj-264	110	31	preventing	prevent	VERB
emaj-264	110	32	any	any	DET
emaj-264	110	33	shortcomings	shortcoming	NOUN
emaj-264	110	34	in	in	ADP
emaj-264	110	35	the	the	DET
emaj-264	110	36	legal	legal	ADJ
emaj-264	110	37	capital	capital	NOUN
emaj-264	110	38	requirements	requirement	NOUN
emaj-264	110	39	.	.	PUNCT
emaj-264	111	1	the	the	DET
emaj-264	111	2	buffer	buffer	NOUN
emaj-264	111	3	theory	theory	NOUN
emaj-264	111	4	,	,	PUNCT
emaj-264	111	5	based	base	VERB
emaj-264	111	6	on	on	ADP
emaj-264	111	7	its	its	PRON
emaj-264	111	8	observation	observation	NOUN
emaj-264	111	9	of	of	ADP
emaj-264	111	10	the	the	DET
emaj-264	111	11	capital	capital	NOUN
emaj-264	111	12	requirement	requirement	NOUN
emaj-264	111	13	serving	serve	VERB
emaj-264	111	14	as	as	ADP
emaj-264	111	15	one	one	NUM
emaj-264	111	16	of	of	ADP
emaj-264	111	17	the	the	DET
emaj-264	111	18	important	important	ADJ
emaj-264	111	19	basis	basis	NOUN
emaj-264	111	20	of	of	ADP
emaj-264	111	21	primary	primary	ADJ
emaj-264	111	22	banking	banking	NOUN
emaj-264	111	23	supervisory	supervisory	ADJ
emaj-264	111	24	instrument	instrument	NOUN
emaj-264	111	25	in	in	ADP
emaj-264	111	26	nigeria	nigeria	PROPN
emaj-264	111	27	,	,	PUNCT
emaj-264	111	28	has	have	AUX
emaj-264	111	29	indicated	indicate	VERB
emaj-264	111	30	that	that	DET
emaj-264	111	31	failure	failure	NOUN
emaj-264	111	32	to	to	PART
emaj-264	111	33	attain	attain	VERB
emaj-264	111	34	this	this	DET
emaj-264	111	35	requirement	requirement	NOUN
emaj-264	111	36	will	will	AUX
emaj-264	111	37	be	be	AUX
emaj-264	111	38	considered	consider	VERB
emaj-264	111	39	as	as	ADP
emaj-264	111	40	infringement	infringement	NOUN
emaj-264	111	41	of	of	ADP
emaj-264	111	42	banking	banking	NOUN
emaj-264	111	43	stipulations	stipulation	NOUN
emaj-264	111	44	.	.	PUNCT
emaj-264	112	1	external	external	ADJ
emaj-264	112	2	auditors	auditor	NOUN
emaj-264	112	3	are	be	AUX
emaj-264	112	4	often	often	ADV
emaj-264	112	5	assigned	assign	VERB
emaj-264	112	6	the	the	DET
emaj-264	112	7	task	task	NOUN
emaj-264	112	8	of	of	ADP
emaj-264	112	9	conducting	conduct	VERB
emaj-264	112	10	on	on	ADP
emaj-264	112	11	site	site	NOUN
emaj-264	112	12	examination	examination	NOUN
emaj-264	112	13	,	,	PUNCT
emaj-264	112	14	however	however	ADV
emaj-264	112	15	there	there	PRON
emaj-264	112	16	is	be	VERB
emaj-264	112	17	minimum	minimum	ADJ
emaj-264	112	18	interference	interference	NOUN
emaj-264	112	19	in	in	ADP
emaj-264	112	20	the	the	DET
emaj-264	112	21	activities	activity	NOUN
emaj-264	112	22	of	of	ADP
emaj-264	112	23	banks	bank	NOUN
emaj-264	112	24	.	.	PUNCT
emaj-264	113	1	the	the	DET
emaj-264	113	2	recapitalization	recapitalization	NOUN
emaj-264	113	3	of	of	ADP
emaj-264	113	4	nigerian	nigerian	ADJ
emaj-264	113	5	banks	bank	NOUN
emaj-264	113	6	,	,	PUNCT
emaj-264	113	7	which	which	PRON
emaj-264	113	8	took	take	VERB
emaj-264	113	9	place	place	NOUN
emaj-264	113	10	in	in	ADP
emaj-264	113	11	2005	2005	NUM
emaj-264	113	12	has	have	AUX
emaj-264	113	13	shown	show	VERB
emaj-264	113	14	to	to	ADP
emaj-264	113	15	a	a	DET
emaj-264	113	16	great	great	ADJ
emaj-264	113	17	extent	extent	NOUN
emaj-264	113	18	that	that	SCONJ
emaj-264	113	19	when	when	SCONJ
emaj-264	113	20	banks	bank	NOUN
emaj-264	113	21	are	be	AUX
emaj-264	113	22	undercapitalized	undercapitalized	ADJ
emaj-264	113	23	for	for	ADP
emaj-264	113	24	long	long	ADJ
emaj-264	113	25	periods	period	NOUN
emaj-264	113	26	,	,	PUNCT
emaj-264	113	27	they	they	PRON
emaj-264	113	28	face	face	VERB
emaj-264	113	29	the	the	DET
emaj-264	113	30	risk	risk	NOUN
emaj-264	113	31	of	of	ADP
emaj-264	113	32	being	be	AUX
emaj-264	113	33	shut	shut	VERB
emaj-264	113	34	down	down	ADP
emaj-264	113	35	and	and	CCONJ
emaj-264	113	36	having	have	VERB
emaj-264	113	37	their	their	PRON
emaj-264	113	38	licenses	license	NOUN
emaj-264	113	39	withdrawn	withdraw	VERB
emaj-264	113	40	.	.	PUNCT
emaj-264	114	1	however	however	ADV
emaj-264	114	2	,	,	PUNCT
emaj-264	114	3	when	when	SCONJ
emaj-264	114	4	banks	bank	NOUN
emaj-264	114	5	are	be	AUX
emaj-264	114	6	able	able	ADJ
emaj-264	114	7	to	to	PART
emaj-264	114	8	mobilize	mobilize	VERB
emaj-264	114	9	deposits	deposit	NOUN
emaj-264	114	10	from	from	ADP
emaj-264	114	11	the	the	DET
emaj-264	114	12	public	public	NOUN
emaj-264	114	13	,	,	PUNCT
emaj-264	114	14	they	they	PRON
emaj-264	114	15	are	be	AUX
emaj-264	114	16	able	able	ADJ
emaj-264	114	17	to	to	PART
emaj-264	114	18	prevent	prevent	VERB
emaj-264	114	19	their	their	PRON
emaj-264	114	20	capital	capital	NOUN
emaj-264	114	21	base	base	NOUN
emaj-264	114	22	from	from	ADP
emaj-264	114	23	being	be	AUX
emaj-264	114	24	disintegrated	disintegrate	VERB
emaj-264	114	25	(	(	PUNCT
emaj-264	114	26	aruwa	aruwa	PROPN
emaj-264	114	27	&	&	CCONJ
emaj-264	114	28	naburgi	naburgi	PROPN
emaj-264	114	29	2014	2014	NUM
emaj-264	114	30	)	)	PUNCT
emaj-264	114	31	.	.	PUNCT
emaj-264	115	1	the	the	DET
emaj-264	115	2	buffer	buffer	NOUN
emaj-264	115	3	theory	theory	NOUN
emaj-264	115	4	further	far	ADV
emaj-264	115	5	propounds	propound	VERB
emaj-264	115	6	that	that	SCONJ
emaj-264	115	7	a	a	DET
emaj-264	115	8	bank	bank	NOUN
emaj-264	115	9	approaching	approach	VERB
emaj-264	115	10	the	the	DET
emaj-264	115	11	regulatory	regulatory	ADJ
emaj-264	115	12	minimum	minimum	ADJ
emaj-264	115	13	capital	capital	NOUN
emaj-264	115	14	ratio	ratio	NOUN
emaj-264	115	15	is	be	AUX
emaj-264	115	16	influenced	influence	VERB
emaj-264	115	17	to	to	PART
emaj-264	115	18	minimize	minimize	VERB
emaj-264	115	19	risk	risk	NOUN
emaj-264	115	20	and	and	CCONJ
emaj-264	115	21	boost	boost	VERB
emaj-264	115	22	their	their	PRON
emaj-264	115	23	capital	capital	NOUN
emaj-264	115	24	to	to	PART
emaj-264	115	25	prevent	prevent	VERB
emaj-264	115	26	the	the	DET
emaj-264	115	27	capital	capital	NOUN
emaj-264	115	28	requirements	requirement	NOUN
emaj-264	115	29	triggering	trigger	VERB
emaj-264	115	30	their	their	PRON
emaj-264	115	31	regulatory	regulatory	ADJ
emaj-264	115	32	costs	cost	NOUN
emaj-264	115	33	.	.	PUNCT
emaj-264	116	1	this	this	DET
emaj-264	116	2	strategy	strategy	NOUN
emaj-264	116	3	of	of	ADP
emaj-264	116	4	accepting	accept	VERB
emaj-264	116	5	more	more	ADJ
emaj-264	116	6	risk	risk	NOUN
emaj-264	116	7	with	with	ADP
emaj-264	116	8	the	the	DET
emaj-264	116	9	expectation	expectation	NOUN
emaj-264	116	10	of	of	ADP
emaj-264	116	11	getting	get	VERB
emaj-264	116	12	higher	high	ADJ
emaj-264	116	13	expected	expect	VERB
emaj-264	116	14	returns	return	NOUN
emaj-264	116	15	by	by	ADP
emaj-264	116	16	poorly	poorly	ADV
emaj-264	116	17	capitalized	capitalize	VERB
emaj-264	116	18	banks	bank	NOUN
emaj-264	116	19	in	in	ADP
emaj-264	116	20	order	order	NOUN
emaj-264	116	21	to	to	PART
emaj-264	116	22	increase	increase	VERB
emaj-264	116	23	their	their	PRON
emaj-264	116	24	capital	capital	NOUN
emaj-264	116	25	is	be	AUX
emaj-264	116	26	not	not	PART
emaj-264	116	27	advised	advise	VERB
emaj-264	116	28	(	(	PUNCT
emaj-264	116	29	ajayi	ajayi	NOUN
emaj-264	116	30	,	,	PUNCT
emaj-264	116	31	ajayi	ajayi	PROPN
emaj-264	116	32	,	,	PUNCT
emaj-264	116	33	enimola	enimola	PROPN
emaj-264	116	34	,	,	PUNCT
emaj-264	116	35	&	&	CCONJ
emaj-264	116	36	orugun	orugun	PROPN
emaj-264	116	37	,	,	PUNCT
emaj-264	116	38	2019	2019	NUM
emaj-264	116	39	)	)	PUNCT
emaj-264	116	40	.	.	PUNCT
emaj-264	117	1	when	when	SCONJ
emaj-264	117	2	bankruptcy	bankruptcy	NOUN
emaj-264	117	3	occurs	occur	VERB
emaj-264	117	4	,	,	PUNCT
emaj-264	117	5	nigeria	nigeria	PROPN
emaj-264	117	6	deposit	deposit	NOUN
emaj-264	117	7	insurance	insurance	NOUN
emaj-264	117	8	corporation	corporation	NOUN
emaj-264	117	9	(	(	PUNCT
emaj-264	117	10	ndic	ndic	ADJ
emaj-264	117	11	)	)	PUNCT
emaj-264	117	12	,	,	PUNCT
emaj-264	117	13	the	the	DET
emaj-264	117	14	bank	bank	NOUN
emaj-264	117	15	,	,	PUNCT
emaj-264	117	16	and	and	CCONJ
emaj-264	117	17	the	the	DET
emaj-264	117	18	customers	customer	NOUN
emaj-264	117	19	absorb	absorb	VERB
emaj-264	117	20	the	the	DET
emaj-264	117	21	risk	risk	NOUN
emaj-264	117	22	(	(	PUNCT
emaj-264	117	23	aruwa	aruwa	PROPN
emaj-264	117	24	&	&	CCONJ
emaj-264	117	25	naburgi	naburgi	PROPN
emaj-264	117	26	2014	2014	NUM
emaj-264	117	27	)	)	PUNCT
emaj-264	117	28	.	.	PUNCT
emaj-264	118	1	in	in	ADP
emaj-264	118	2	this	this	DET
emaj-264	118	3	regard	regard	NOUN
emaj-264	118	4	,	,	PUNCT
emaj-264	118	5	customers	customer	NOUN
emaj-264	118	6	are	be	AUX
emaj-264	118	7	specifically	specifically	ADV
emaj-264	118	8	concerned	concerned	ADJ
emaj-264	118	9	about	about	ADP
emaj-264	118	10	the	the	DET
emaj-264	118	11	banks	bank	NOUN
emaj-264	118	12	’	’	PART
emaj-264	118	13	capital	capital	NOUN
emaj-264	118	14	position	position	NOUN
emaj-264	118	15	every	every	DET
emaj-264	118	16	time	time	NOUN
emaj-264	118	17	.	.	PUNCT
emaj-264	119	1	as	as	SCONJ
emaj-264	119	2	noted	note	VERB
emaj-264	119	3	by	by	ADP
emaj-264	119	4	faisal	faisal	PROPN
emaj-264	119	5	,	,	PUNCT
emaj-264	119	6	shazaib	shazaib	NOUN
emaj-264	119	7	,	,	PUNCT
emaj-264	119	8	omar	omar	PROPN
emaj-264	119	9	and	and	CCONJ
emaj-264	119	10	kiran	kiran	PROPN
emaj-264	119	11	(	(	PUNCT
emaj-264	119	12	2019	2019	NUM
emaj-264	119	13	)	)	PUNCT
emaj-264	119	14	,	,	PUNCT
emaj-264	119	15	the	the	DET
emaj-264	119	16	capital	capital	NOUN
emaj-264	119	17	buffer	buffer	NOUN
emaj-264	119	18	theory	theory	NOUN
emaj-264	119	19	indicates	indicate	VERB
emaj-264	119	20	that	that	SCONJ
emaj-264	119	21	when	when	SCONJ
emaj-264	119	22	there	there	PRON
emaj-264	119	23	is	be	VERB
emaj-264	119	24	excessive	excessive	ADJ
emaj-264	119	25	increase	increase	NOUN
emaj-264	119	26	in	in	ADP
emaj-264	119	27	capital	capital	NOUN
emaj-264	119	28	more	more	ADV
emaj-264	119	29	than	than	SCONJ
emaj-264	119	30	required	require	VERB
emaj-264	119	31	,	,	PUNCT
emaj-264	119	32	it	it	PRON
emaj-264	119	33	tends	tend	VERB
emaj-264	119	34	to	to	PART
emaj-264	119	35	decrease	decrease	VERB
emaj-264	119	36	bank	bank	NOUN
emaj-264	119	37	risk	risk	NOUN
emaj-264	119	38	.	.	PUNCT
emaj-264	120	1	according	accord	VERB
emaj-264	120	2	to	to	ADP
emaj-264	120	3	the	the	DET
emaj-264	120	4	theory	theory	NOUN
emaj-264	120	5	,	,	PUNCT
emaj-264	120	6	capital	capital	NOUN
emaj-264	120	7	buffer	buffer	NOUN
emaj-264	120	8	has	have	VERB
emaj-264	120	9	a	a	DET
emaj-264	120	10	tendency	tendency	NOUN
emaj-264	120	11	of	of	ADP
emaj-264	120	12	enhancing	enhance	VERB
emaj-264	120	13	the	the	DET
emaj-264	120	14	performance	performance	NOUN
emaj-264	120	15	of	of	ADP
emaj-264	120	16	banks	bank	NOUN
emaj-264	120	17	as	as	ADP
emaj-264	120	18	a	a	DET
emaj-264	120	19	result	result	NOUN
emaj-264	120	20	of	of	ADP
emaj-264	120	21	the	the	DET
emaj-264	120	22	reduced	reduce	VERB
emaj-264	120	23	lending	lending	NOUN
emaj-264	120	24	rate	rate	NOUN
emaj-264	120	25	,	,	PUNCT
emaj-264	120	26	thus	thus	ADV
emaj-264	120	27	leading	lead	VERB
emaj-264	120	28	to	to	ADP
emaj-264	120	29	increased	increase	VERB
emaj-264	120	30	loan	loan	NOUN
emaj-264	120	31	demand	demand	NOUN
emaj-264	120	32	.	.	PUNCT
emaj-264	121	1	this	this	PRON
emaj-264	121	2	has	have	VERB
emaj-264	121	3	the	the	DET
emaj-264	121	4	effect	effect	NOUN
emaj-264	121	5	of	of	ADP
emaj-264	121	6	influencing	influence	VERB
emaj-264	121	7	banks	bank	NOUN
emaj-264	121	8	to	to	PART
emaj-264	121	9	charge	charge	VERB
emaj-264	121	10	on	on	ADP
emaj-264	121	11	limited	limited	ADJ
emaj-264	121	12	loans	loan	NOUN
emaj-264	121	13	,	,	PUNCT
emaj-264	121	14	a	a	DET
emaj-264	121	15	higher	high	ADJ
emaj-264	121	16	rate	rate	NOUN
emaj-264	121	17	of	of	ADP
emaj-264	121	18	interest	interest	NOUN
emaj-264	121	19	.	.	PUNCT
emaj-264	122	1	furthermore	furthermore	ADV
emaj-264	122	2	,	,	PUNCT
emaj-264	122	3	proper	proper	ADJ
emaj-264	122	4	screening	screening	NOUN
emaj-264	122	5	of	of	ADP
emaj-264	122	6	borrowers	borrower	NOUN
emaj-264	122	7	would	would	AUX
emaj-264	122	8	reduce	reduce	VERB
emaj-264	122	9	the	the	DET
emaj-264	122	10	default	default	NOUN
emaj-264	122	11	risk	risk	NOUN
emaj-264	122	12	,	,	PUNCT
emaj-264	122	13	and	and	CCONJ
emaj-264	122	14	banks	bank	NOUN
emaj-264	122	15	’	’	PART
emaj-264	122	16	profitability	profitability	NOUN
emaj-264	122	17	in	in	ADP
emaj-264	122	18	the	the	DET
emaj-264	122	19	short	short	ADJ
emaj-264	122	20	run	run	NOUN
emaj-264	122	21	.	.	PUNCT
emaj-264	123	1	shim	shim	NOUN
emaj-264	123	2	(	(	PUNCT
emaj-264	123	3	2013	2013	NUM
emaj-264	123	4	)	)	PUNCT
emaj-264	123	5	opined	opine	VERB
emaj-264	123	6	that	that	SCONJ
emaj-264	123	7	the	the	DET
emaj-264	123	8	challenges	challenge	NOUN
emaj-264	123	9	of	of	ADP
emaj-264	123	10	higher	high	ADJ
emaj-264	123	11	deposits	deposit	NOUN
emaj-264	123	12	faced	face	VERB
emaj-264	123	13	by	by	ADP
emaj-264	123	14	banks	bank	NOUN
emaj-264	123	15	can	can	AUX
emaj-264	123	16	be	be	AUX
emaj-264	123	17	attributed	attribute	VERB
emaj-264	123	18	to	to	ADP
emaj-264	123	19	risks	risk	NOUN
emaj-264	123	20	,	,	PUNCT
emaj-264	123	21	which	which	PRON
emaj-264	123	22	has	have	VERB
emaj-264	123	23	the	the	DET
emaj-264	123	24	effect	effect	NOUN
emaj-264	123	25	of	of	ADP
emaj-264	123	26	enabling	enable	VERB
emaj-264	123	27	the	the	DET
emaj-264	123	28	increased	increase	VERB
emaj-264	123	29	capital	capital	NOUN
emaj-264	123	30	to	to	PART
emaj-264	123	31	decrease	decrease	VERB
emaj-264	123	32	these	these	DET
emaj-264	123	33	risks	risk	NOUN
emaj-264	123	34	and	and	CCONJ
emaj-264	123	35	funding	funding	NOUN
emaj-264	123	36	costs	cost	NOUN
emaj-264	123	37	,	,	PUNCT
emaj-264	123	38	and	and	CCONJ
emaj-264	123	39	eventually	eventually	ADV
emaj-264	123	40	increasing	increase	VERB
emaj-264	123	41	profitability	profitability	NOUN
emaj-264	123	42	(	(	PUNCT
emaj-264	123	43	shim	shim	NOUN
emaj-264	123	44	,	,	PUNCT
emaj-264	123	45	2013	2013	NUM
emaj-264	123	46	)	)	PUNCT
emaj-264	123	47	.	.	PUNCT
emaj-264	124	1	this	this	PRON
emaj-264	124	2	is	be	AUX
emaj-264	124	3	an	an	DET
emaj-264	124	4	indication	indication	NOUN
emaj-264	124	5	that	that	SCONJ
emaj-264	124	6	banks	bank	NOUN
emaj-264	124	7	tend	tend	VERB
emaj-264	124	8	to	to	PART
emaj-264	124	9	maintain	maintain	VERB
emaj-264	124	10	a	a	DET
emaj-264	124	11	capital	capital	NOUN
emaj-264	124	12	buffer	buffer	NOUN
emaj-264	124	13	through	through	ADP
emaj-264	124	14	their	their	PRON
emaj-264	124	15	profitability	profitability	NOUN
emaj-264	124	16	so	so	SCONJ
emaj-264	124	17	as	as	SCONJ
emaj-264	124	18	to	to	PART
emaj-264	124	19	maintained	maintain	VERB
emaj-264	124	20	bank	bank	NOUN
emaj-264	124	21	survival	survival	NOUN
emaj-264	124	22	.	.	PUNCT
emaj-264	125	1	iii	iii	X
emaj-264	125	2	.	.	PROPN
emaj-264	125	3	methodology	methodology	NOUN
emaj-264	125	4	the	the	DET
emaj-264	125	5	study	study	NOUN
emaj-264	125	6	was	be	AUX
emaj-264	125	7	based	base	VERB
emaj-264	125	8	on	on	ADP
emaj-264	125	9	existing	exist	VERB
emaj-264	125	10	data	datum	NOUN
emaj-264	125	11	for	for	ADP
emaj-264	125	12	different	different	ADJ
emaj-264	125	13	purposes	purpose	NOUN
emaj-264	125	14	,	,	PUNCT
emaj-264	125	15	and	and	CCONJ
emaj-264	125	16	this	this	PRON
emaj-264	125	17	is	be	AUX
emaj-264	125	18	considered	consider	VERB
emaj-264	125	19	to	to	PART
emaj-264	125	20	be	be	AUX
emaj-264	125	21	relevant	relevant	ADJ
emaj-264	125	22	for	for	ADP
emaj-264	125	23	the	the	DET
emaj-264	125	24	current	current	ADJ
emaj-264	125	25	study	study	NOUN
emaj-264	125	26	.	.	PUNCT
emaj-264	126	1	the	the	DET
emaj-264	126	2	study	study	NOUN
emaj-264	126	3	used	use	VERB
emaj-264	126	4	ex	ex	NOUN
emaj-264	126	5	-	-	ADJ
emaj-264	126	6	post	post	ADJ
emaj-264	126	7	facto	facto	X
emaj-264	126	8	design	design	NOUN
emaj-264	126	9	while	while	SCONJ
emaj-264	126	10	the	the	DET
emaj-264	126	11	data	datum	NOUN
emaj-264	126	12	used	use	VERB
emaj-264	126	13	were	be	AUX
emaj-264	126	14	sourced	source	VERB
emaj-264	126	15	from	from	ADP
emaj-264	126	16	secondary	secondary	ADJ
emaj-264	126	17	sources	source	NOUN
emaj-264	126	18	.	.	PUNCT
emaj-264	127	1	data	datum	NOUN
emaj-264	127	2	were	be	AUX
emaj-264	127	3	collected	collect	VERB
emaj-264	127	4	for	for	ADP
emaj-264	127	5	a	a	DET
emaj-264	127	6	period	period	NOUN
emaj-264	127	7	of	of	ADP
emaj-264	127	8	25	25	NUM
emaj-264	127	9	years	year	NOUN
emaj-264	127	10	spanning	span	VERB
emaj-264	127	11	between	between	ADP
emaj-264	127	12	1997	1997	NUM
emaj-264	127	13	-	-	SYM
emaj-264	127	14	2021	2021	NUM
emaj-264	127	15	.	.	PUNCT
emaj-264	128	1	data	datum	NOUN
emaj-264	128	2	used	use	VERB
emaj-264	128	3	were	be	AUX
emaj-264	128	4	sourced	source	VERB
emaj-264	128	5	from	from	ADP
emaj-264	128	6	tier	tier	NOUN
emaj-264	128	7	-	-	PUNCT
emaj-264	128	8	one	one	NUM
emaj-264	128	9	and	and	CCONJ
emaj-264	128	10	tier	tier	NOUN
emaj-264	128	11	-	-	PUNCT
emaj-264	128	12	two	two	NUM
emaj-264	128	13	deposit	deposit	NOUN
emaj-264	128	14	money	money	NOUN
emaj-264	128	15	banks	bank	NOUN
emaj-264	128	16	in	in	ADP
emaj-264	128	17	nigeria	nigeria	PROPN
emaj-264	128	18	,	,	PUNCT
emaj-264	128	19	in	in	ADP
emaj-264	128	20	which	which	PRON
emaj-264	128	21	tier	tier	NOUN
emaj-264	128	22	1	1	NUM
emaj-264	128	23	comprised	comprise	VERB
emaj-264	128	24	of	of	ADP
emaj-264	128	25	first	first	ADJ
emaj-264	128	26	bank	bank	NOUN
emaj-264	128	27	,	,	PUNCT
emaj-264	128	28	guaranty	guaranty	NOUN
emaj-264	128	29	trust	trust	PROPN
emaj-264	128	30	,	,	PUNCT
emaj-264	128	31	access	access	NOUN
emaj-264	128	32	bank	bank	NOUN
emaj-264	128	33	,	,	PUNCT
emaj-264	128	34	and	and	CCONJ
emaj-264	128	35	while	while	SCONJ
emaj-264	128	36	tier	tier	NOUN
emaj-264	128	37	2	2	NUM
emaj-264	128	38	comprised	comprise	VERB
emaj-264	128	39	of	of	ADP
emaj-264	128	40	fcmb	fcmb	PROPN
emaj-264	128	41	,	,	PUNCT
emaj-264	128	42	sterling	sterling	NOUN
emaj-264	128	43	bank	bank	NOUN
emaj-264	128	44	,	,	PUNCT
emaj-264	128	45	and	and	CCONJ
emaj-264	128	46	fidelity	fidelity	PROPN
emaj-264	128	47	bank	bank	PROPN
emaj-264	128	48	.	.	PUNCT
emaj-264	129	1	data	datum	NOUN
emaj-264	129	2	were	be	AUX
emaj-264	129	3	collected	collect	VERB
emaj-264	129	4	from	from	ADP
emaj-264	129	5	the	the	DET
emaj-264	129	6	central	central	ADJ
emaj-264	129	7	bank	bank	PROPN
emaj-264	129	8	of	of	ADP
emaj-264	129	9	nigeria	nigeria	PROPN
emaj-264	129	10	bureau	bureau	PROPN
emaj-264	129	11	of	of	ADP
emaj-264	129	12	statistics	statistic	NOUN
emaj-264	129	13	for	for	ADP
emaj-264	129	14	the	the	DET
emaj-264	129	15	years	year	NOUN
emaj-264	129	16	investigated	investigate	VERB
emaj-264	129	17	.	.	PUNCT
emaj-264	130	1	for	for	ADP
emaj-264	130	2	the	the	DET
emaj-264	130	3	study	study	NOUN
emaj-264	130	4	,	,	PUNCT
emaj-264	130	5	the	the	DET
emaj-264	130	6	dependent	dependent	ADJ
emaj-264	130	7	variable	variable	NOUN
emaj-264	130	8	was	be	AUX
emaj-264	130	9	bank	bank	NOUN
emaj-264	130	10	survival	survival	NOUN
emaj-264	130	11	which	which	PRON
emaj-264	130	12	was	be	AUX
emaj-264	130	13	proxy	proxy	VERB
emaj-264	130	14	by	by	ADP
emaj-264	130	15	with	with	ADP
emaj-264	130	16	capital	capital	NOUN
emaj-264	130	17	adequacy	adequacy	NOUN
emaj-264	130	18	ratio	ratio	NOUN
emaj-264	130	19	(	(	PUNCT
emaj-264	130	20	car	car	NOUN
emaj-264	130	21	)	)	PUNCT
emaj-264	130	22	.	.	PUNCT
emaj-264	131	1	the	the	DET
emaj-264	131	2	independent	independent	ADJ
emaj-264	131	3	variables	variable	NOUN
emaj-264	131	4	and	and	CCONJ
emaj-264	131	5	their	their	PRON
emaj-264	131	6	proxies	proxy	NOUN
emaj-264	131	7	include	include	VERB
emaj-264	131	8	:	:	PUNCT
emaj-264	131	9			NOUN
emaj-264	131	10	interest	interest	NOUN
emaj-264	131	11	rate	rate	NOUN
emaj-264	131	12	spread	spread	VERB
emaj-264	131	13	proxy	proxy	NOUN
emaj-264	131	14	with	with	ADP
emaj-264	131	15	spread	spread	NOUN
emaj-264	131	16	(	(	PUNCT
emaj-264	131	17	spr	spr	INTJ
emaj-264	131	18	)	)	PUNCT
emaj-264	131	19	between	between	ADP
emaj-264	131	20	deposit	deposit	NOUN
emaj-264	131	21	rate	rate	NOUN
emaj-264	131	22	and	and	CCONJ
emaj-264	131	23	lending	lending	NOUN
emaj-264	131	24	rate	rate	NOUN
emaj-264	131	25			PRON
emaj-264	131	26	bank	bank	PROPN
emaj-264	131	27	specific	specific	ADJ
emaj-264	131	28	factors	factor	NOUN
emaj-264	131	29	proxy	proxy	VERB
emaj-264	131	30	with	with	ADP
emaj-264	131	31	asset	asset	NOUN
emaj-264	131	32	quality	quality	NOUN
emaj-264	131	33	(	(	PUNCT
emaj-264	131	34	aq	aq	NOUN
emaj-264	131	35	)	)	PUNCT
emaj-264	131	36	,	,	PUNCT
emaj-264	131	37	management	management	NOUN
emaj-264	131	38	efficiency	efficiency	NOUN
emaj-264	131	39	(	(	PUNCT
emaj-264	131	40	me	i	PRON
emaj-264	131	41	)	)	PUNCT
emaj-264	131	42	,	,	PUNCT
emaj-264	131	43	and	and	CCONJ
emaj-264	131	44	bank	bank	NOUN
emaj-264	131	45	size	size	NOUN
emaj-264	131	46	(	(	PUNCT
emaj-264	131	47	bas	bas	PROPN
emaj-264	131	48	)	)	PUNCT
emaj-264	131	49	whereas	whereas	SCONJ
emaj-264	131	50	the	the	DET
emaj-264	131	51	control	control	NOUN
emaj-264	131	52	variable	variable	NOUN
emaj-264	131	53	was	be	AUX
emaj-264	131	54	proxy	proxy	VERB
emaj-264	131	55	by	by	ADP
emaj-264	131	56	board	board	NOUN
emaj-264	131	57	size	size	NOUN
emaj-264	131	58	(	(	PUNCT
emaj-264	131	59	bs	bs	NOUN
emaj-264	131	60	)	)	PUNCT
emaj-264	131	61	.	.	PUNCT
emaj-264	132	1	panel	panel	NOUN
emaj-264	132	2	data	datum	NOUN
emaj-264	132	3	analysis	analysis	NOUN
emaj-264	132	4	was	be	AUX
emaj-264	132	5	carried	carry	VERB
emaj-264	132	6	out	out	ADP
emaj-264	132	7	using	use	VERB
emaj-264	132	8	e	e	NOUN
emaj-264	132	9	-	-	NOUN
emaj-264	132	10	views	view	NOUN
emaj-264	132	11	.	.	PUNCT
emaj-264	133	1	econometric	econometric	ADJ
emaj-264	133	2	model	model	NOUN
emaj-264	133	3	car	car	NOUN
emaj-264	133	4	=	=	SYM
emaj-264	133	5	f(sprit	f(sprit	NOUN
emaj-264	133	6	,	,	PUNCT
emaj-264	133	7	aqit	aqit	PROPN
emaj-264	133	8	,	,	PUNCT
emaj-264	133	9	meit	meit	PROPN
emaj-264	133	10	,	,	PUNCT
emaj-264	133	11	basit	basit	PROPN
emaj-264	133	12	,	,	PUNCT
emaj-264	133	13	bsit	bsit	NOUN
emaj-264	133	14	)	)	PUNCT
emaj-264	133	15	carit	carit	PROPN
emaj-264	133	16	=	=	SYM
emaj-264	133	17	β0	β0	PROPN
emaj-264	133	18	+	+	CCONJ
emaj-264	133	19	β1sprit+	β1sprit+	VERB
emaj-264	133	20	β2aqit	β2aqit	NOUN
emaj-264	133	21	+	+	CCONJ
emaj-264	133	22	β3meit	β3meit	PROPN
emaj-264	133	23	β4basit	β4basit	NOUN
emaj-264	133	24	+	+	CCONJ
emaj-264	133	25	β5bsit	β5bsit	NOUN
emaj-264	133	26	+	+	NOUN
emaj-264	133	27	µi	µi	PROPN
emaj-264	133	28	+	+	NUM
emaj-264	133	29	εit-----equation	εit-----equation	NOUN
emaj-264	133	30	for	for	ADP
emaj-264	133	31	tier-1	tier-1	NUM
emaj-264	133	32	and	and	CCONJ
emaj-264	133	33	tier2	tier2	PROPN
emaj-264	133	34	banks	bank	NOUN
emaj-264	133	35	where	where	SCONJ
emaj-264	133	36	;	;	PUNCT
emaj-264	133	37	car=	car=	PROPN
emaj-264	133	38	capital	capital	NOUN
emaj-264	133	39	adequacy	adequacy	NOUN
emaj-264	133	40	ratio	ratio	NOUN
emaj-264	133	41	proxy	proxy	NOUN
emaj-264	133	42	with	with	ADP
emaj-264	133	43	total	total	ADJ
emaj-264	133	44	debt	debt	NOUN
emaj-264	133	45	/	/	SYM
emaj-264	133	46	total	total	ADJ
emaj-264	133	47	assets	asset	NOUN
emaj-264	133	48	spr=	spr=	NOUN
emaj-264	133	49	interest	interest	NOUN
emaj-264	133	50	rate	rate	NOUN
emaj-264	133	51	spread	spread	VERB
emaj-264	133	52	proxy	proxy	NOUN
emaj-264	133	53	with	with	ADP
emaj-264	133	54	spread	spread	VERB
emaj-264	133	55	between	between	ADP
emaj-264	133	56	deposit	deposit	NOUN
emaj-264	133	57	rate	rate	NOUN
emaj-264	133	58	and	and	CCONJ
emaj-264	133	59	lending	lending	NOUN
emaj-264	133	60	rate	rate	NOUN
emaj-264	133	61	aq=	aq=	PROPN
emaj-264	133	62	bank	bank	PROPN
emaj-264	133	63	specific	specific	ADJ
emaj-264	133	64	factors	factor	NOUN
emaj-264	133	65	proxy	proxy	VERB
emaj-264	133	66	with	with	ADP
emaj-264	133	67	asset	asset	NOUN
emaj-264	133	68	quality	quality	NOUN
emaj-264	133	69	ratio	ratio	NOUN
emaj-264	133	70	me	i	PRON
emaj-264	133	71	=	=	PUNCT
emaj-264	133	72	management	management	NOUN
emaj-264	133	73	efficiency	efficiency	NOUN
emaj-264	133	74	proxied	proxie	VERB
emaj-264	133	75	with	with	ADP
emaj-264	133	76	ratio	ratio	NOUN
emaj-264	133	77	of	of	ADP
emaj-264	133	78	cost	cost	NOUN
emaj-264	133	79	to	to	PART
emaj-264	133	80	income	income	VERB
emaj-264	133	81	bas	bas	PROPN
emaj-264	133	82	=	=	ADJ
emaj-264	133	83	bank	bank	NOUN
emaj-264	133	84	size	size	NOUN
emaj-264	133	85	proxy	proxy	NOUN
emaj-264	133	86	with	with	ADP
emaj-264	133	87	total	total	ADJ
emaj-264	133	88	assets	asset	NOUN
emaj-264	133	89	bs=	bs=	PROPN
emaj-264	133	90	board	board	NOUN
emaj-264	133	91	size	size	NOUN
emaj-264	133	92	proxy	proxy	NOUN
emaj-264	133	93	with	with	ADP
emaj-264	133	94	total	total	ADJ
emaj-264	133	95	number	number	NOUN
emaj-264	133	96	of	of	ADP
emaj-264	133	97	both	both	DET
emaj-264	133	98	executive	executive	ADJ
emaj-264	133	99	directors	director	NOUN
emaj-264	133	100	and	and	CCONJ
emaj-264	133	101	non	non	ADJ
emaj-264	133	102	-	-	ADJ
emaj-264	133	103	executive	executive	ADJ
emaj-264	133	104	directors	director	NOUN
emaj-264	134	1	β0	β0	NOUN
emaj-264	134	2	=	=	PUNCT
emaj-264	134	3	constant	constant	ADJ
emaj-264	134	4	β1β5=	β1β5=	INTJ
emaj-264	134	5	coefficient	coefficient	NOUN
emaj-264	134	6	εit	εit	NOUN
emaj-264	134	7	=	=	NOUN
emaj-264	134	8	error	error	NOUN
emaj-264	134	9	term	term	NOUN
emaj-264	134	10	volume	volume	NOUN
emaj-264	134	11	12	12	NUM
emaj-264	134	12	no	no	DET
emaj-264	134	13	2	2	NUM
emaj-264	134	14	(	(	PUNCT
emaj-264	134	15	2022	2022	NUM
emaj-264	134	16	)	)	PUNCT
emaj-264	134	17	|	|	ADV
emaj-264	134	18	issn	issn	VERB
emaj-264	134	19	2158	2158	NUM
emaj-264	134	20	-	-	SYM
emaj-264	134	21	8708	8708	NUM
emaj-264	134	22	(	(	PUNCT
emaj-264	134	23	online	online	NOUN
emaj-264	134	24	)	)	PUNCT
emaj-264	134	25	|	|	ADV
emaj-264	134	26	doi	doi	X
emaj-264	134	27	10.5195	10.5195	NUM
emaj-264	134	28	/	/	SYM
emaj-264	134	29	emaj.2022.264	emaj.2022.264	PROPN
emaj-264	134	30	|	|	ADV
emaj-264	134	31	http://emaj.pitt.edu	http://emaj.pitt.edu	NOUN
emaj-264	134	32	segun	segun	VERB
emaj-264	134	33	kamoru	kamoru	PROPN
emaj-264	134	34	fakunmoju	fakunmoju	PROPN
emaj-264	134	35	,	,	PUNCT
emaj-264	134	36	babatunde	babatunde	NOUN
emaj-264	134	37	jinadu	jinadu	ADV
emaj-264	134	38	,	,	PUNCT
emaj-264	134	39	alexander	alexander	PROPN
emaj-264	134	40	a.	a.	PROPN
emaj-264	134	41	akindele	akindele	PROPN
emaj-264	134	42	emerging	emerge	VERB
emaj-264	134	43	markets	market	NOUN
emaj-264	134	44	journal	journal	NOUN
emaj-264	134	45	|	|	ADV
emaj-264	134	46	p	p	NOUN
emaj-264	134	47	a	a	DET
emaj-264	134	48	g	g	NOUN
emaj-264	134	49	e	e	NOUN
emaj-264	134	50	2	2	NUM
emaj-264	134	51	3	3	NUM
emaj-264	134	52	iv	iv	NUM
emaj-264	134	53	.	.	PUNCT
emaj-264	134	54	results	result	NOUN
emaj-264	134	55	amd	amd	VERB
emaj-264	134	56	imterpretation	imterpretation	NOUN
emaj-264	134	57	the	the	DET
emaj-264	134	58	objective	objective	ADJ
emaj-264	134	59	model	model	NOUN
emaj-264	134	60	was	be	AUX
emaj-264	134	61	estimated	estimate	VERB
emaj-264	134	62	using	use	VERB
emaj-264	134	63	the	the	DET
emaj-264	134	64	static	static	ADJ
emaj-264	134	65	panel	panel	NOUN
emaj-264	134	66	data	datum	NOUN
emaj-264	134	67	techniques	technique	NOUN
emaj-264	134	68	.	.	PUNCT
emaj-264	135	1	table	table	NOUN
emaj-264	135	2	1	1	NUM
emaj-264	135	3	:	:	PUNCT
emaj-264	135	4	correlation	correlation	NOUN
emaj-264	135	5	coefficients	coefficient	NOUN
emaj-264	135	6	for	for	ADP
emaj-264	135	7	multicollinearity	multicollinearity	NOUN
emaj-264	135	8	test	test	NOUN
emaj-264	135	9	variables	variable	NOUN
emaj-264	136	1	spr	spr	INTJ
emaj-264	137	1	aq	aq	VERB
emaj-264	137	2	me	i	PRON
emaj-264	137	3	bas	bas	PROPN
emaj-264	137	4	bs	bs	X
emaj-264	137	5	vif	vif	PROPN
emaj-264	137	6	spr	spr	VERB
emaj-264	137	7	1	1	NUM
emaj-264	137	8	0.164	0.164	NUM
emaj-264	137	9	0.241	0.241	NUM
emaj-264	137	10	0.321	0.321	NUM
emaj-264	137	11	0.352	0.352	NUM
emaj-264	137	12	1.96	1.96	NUM
emaj-264	137	13	aq	aq	NOUN
emaj-264	137	14	0.521	0.521	NUM
emaj-264	137	15	1	1	NUM
emaj-264	137	16	0.563	0.563	NUM
emaj-264	137	17	0.190	0.190	NUM
emaj-264	137	18	0.680	0.680	NUM
emaj-264	137	19	1.80	1.80	NUM
emaj-264	137	20	me	i	PRON
emaj-264	137	21	0.217	0.217	NUM
emaj-264	137	22	0.672	0.672	NUM
emaj-264	137	23	1	1	NUM
emaj-264	137	24	0.621	0.621	NUM
emaj-264	137	25	0.220	0.220	NUM
emaj-264	137	26	1.32	1.32	NUM
emaj-264	137	27	bas	bas	PROPN
emaj-264	137	28	0.332	0.332	NUM
emaj-264	137	29	0.109	0.109	NUM
emaj-264	137	30	0.290	0.290	NUM
emaj-264	137	31	1	1	NUM
emaj-264	137	32	0.198	0.198	NUM
emaj-264	137	33	1.24	1.24	NUM
emaj-264	137	34	bs	bs	NOUN
emaj-264	137	35	0.624	0.624	NUM
emaj-264	137	36	0.245	0.245	NUM
emaj-264	137	37	0.621	0.621	NUM
emaj-264	137	38	0.762	0.762	NUM
emaj-264	137	39	1	1	NUM
emaj-264	137	40	1.19	1.19	NUM
emaj-264	137	41	source	source	NOUN
emaj-264	137	42	:	:	PUNCT
emaj-264	137	43	authors	author	NOUN
emaj-264	137	44	’	'	PUNCT
emaj-264	137	45	computation	computation	NOUN
emaj-264	137	46	(	(	PUNCT
emaj-264	137	47	2022	2022	NUM
emaj-264	137	48	)	)	PUNCT
emaj-264	137	49	table	table	NOUN
emaj-264	137	50	1	1	NUM
emaj-264	137	51	,	,	PUNCT
emaj-264	137	52	depicted	depict	VERB
emaj-264	137	53	the	the	DET
emaj-264	137	54	connection	connection	NOUN
emaj-264	137	55	among	among	ADP
emaj-264	137	56	the	the	DET
emaj-264	137	57	explanatory	explanatory	ADJ
emaj-264	137	58	variables	variable	NOUN
emaj-264	137	59	which	which	PRON
emaj-264	137	60	were	be	AUX
emaj-264	137	61	below	below	ADP
emaj-264	137	62	the	the	DET
emaj-264	137	63	rule	rule	NOUN
emaj-264	137	64	of	of	ADP
emaj-264	137	65	thumb	thumb	NOUN
emaj-264	137	66	threshold	threshold	NOUN
emaj-264	137	67	of	of	ADP
emaj-264	137	68	0.8	0.8	NUM
emaj-264	137	69	for	for	ADP
emaj-264	137	70	testing	test	VERB
emaj-264	137	71	multicollinearity	multicollinearity	NOUN
emaj-264	137	72	.	.	PUNCT
emaj-264	138	1	this	this	PRON
emaj-264	138	2	insinuated	insinuate	VERB
emaj-264	138	3	that	that	SCONJ
emaj-264	138	4	explanatory	explanatory	ADJ
emaj-264	138	5	variables	variable	NOUN
emaj-264	138	6	in	in	ADP
emaj-264	138	7	the	the	DET
emaj-264	138	8	model	model	NOUN
emaj-264	138	9	do	do	AUX
emaj-264	138	10	not	not	PART
emaj-264	138	11	have	have	VERB
emaj-264	138	12	problem	problem	NOUN
emaj-264	138	13	of	of	ADP
emaj-264	138	14	severe	severe	ADJ
emaj-264	138	15	multicollinearity	multicollinearity	NOUN
emaj-264	138	16	.	.	PUNCT
emaj-264	139	1	table	table	NOUN
emaj-264	139	2	2	2	NUM
emaj-264	139	3	:	:	PUNCT
emaj-264	139	4	panel	panel	NOUN
emaj-264	139	5	result	result	VERB
emaj-264	139	6	for	for	ADP
emaj-264	139	7	objective	objective	NOUN
emaj-264	139	8	of	of	ADP
emaj-264	139	9	the	the	DET
emaj-264	139	10	study	study	NOUN
emaj-264	139	11	dependent	dependent	ADJ
emaj-264	139	12	variable	variable	NOUN
emaj-264	139	13	:	:	PUNCT
emaj-264	139	14	capital	capital	NOUN
emaj-264	139	15	adequacy	adequacy	NOUN
emaj-264	139	16	ratio	ratio	NOUN
emaj-264	139	17	(	(	PUNCT
emaj-264	139	18	bank	bank	NOUN
emaj-264	139	19	survival	survival	NOUN
emaj-264	139	20	)	)	PUNCT
emaj-264	139	21	notes	note	VERB
emaj-264	139	22	:	:	PUNCT
emaj-264	139	23	standard	standard	ADJ
emaj-264	139	24	errors	error	NOUN
emaj-264	139	25	(	(	PUNCT
emaj-264	139	26	)	)	PUNCT
emaj-264	139	27	,	,	PUNCT
emaj-264	139	28	t	t	PROPN
emaj-264	139	29	-	-	PUNCT
emaj-264	139	30	statistic	statistic	NOUN
emaj-264	139	31	[	[	PUNCT
emaj-264	139	32	]	]	PUNCT
emaj-264	139	33	and	and	CCONJ
emaj-264	139	34	p	p	NOUN
emaj-264	139	35	-	-	PUNCT
emaj-264	139	36	value	value	NOUN
emaj-264	139	37	{	{	PUNCT
emaj-264	139	38	}	}	PUNCT
emaj-264	139	39	are	be	AUX
emaj-264	139	40	reported	report	VERB
emaj-264	139	41	in	in	ADP
emaj-264	139	42	parentheses	parenthesis	NOUN
emaj-264	139	43	.	.	PUNCT
emaj-264	140	1	*	*	PUNCT
emaj-264	140	2	,	,	PUNCT
emaj-264	140	3	*	*	PUNCT
emaj-264	140	4	*	*	PUNCT
emaj-264	140	5	and	and	CCONJ
emaj-264	140	6	*	*	PUNCT
emaj-264	140	7	*	*	PUNCT
emaj-264	140	8	*	*	PUNCT
emaj-264	140	9	show	show	VERB
emaj-264	140	10	the	the	DET
emaj-264	140	11	10	10	NUM
emaj-264	140	12	%	%	NOUN
emaj-264	140	13	,	,	PUNCT
emaj-264	140	14	5	5	NUM
emaj-264	140	15	%	%	NOUN
emaj-264	140	16	and	and	CCONJ
emaj-264	140	17	1	1	NUM
emaj-264	140	18	%	%	NOUN
emaj-264	140	19	significance	significance	NOUN
emaj-264	140	20	level	level	NOUN
emaj-264	140	21	respectively	respectively	ADV
emaj-264	140	22	.	.	PUNCT
emaj-264	141	1	where	where	SCONJ
emaj-264	141	2	;	;	PUNCT
emaj-264	141	3	spread	spread	VERB
emaj-264	141	4	(	(	PUNCT
emaj-264	141	5	spr	spr	INTJ
emaj-264	141	6	)	)	PUNCT
emaj-264	141	7	,	,	PUNCT
emaj-264	141	8	asset	asset	NOUN
emaj-264	141	9	quality	quality	NOUN
emaj-264	141	10	(	(	PUNCT
emaj-264	141	11	aq	aq	NOUN
emaj-264	141	12	)	)	PUNCT
emaj-264	141	13	,	,	PUNCT
emaj-264	141	14	management	management	NOUN
emaj-264	141	15	efficiency	efficiency	NOUN
emaj-264	141	16	(	(	PUNCT
emaj-264	141	17	me	i	PRON
emaj-264	141	18	)	)	PUNCT
emaj-264	141	19	,	,	PUNCT
emaj-264	141	20	bank	bank	NOUN
emaj-264	141	21	size	size	NOUN
emaj-264	141	22	(	(	PUNCT
emaj-264	141	23	bas	bas	X
emaj-264	141	24	)	)	PUNCT
emaj-264	141	25	and	and	CCONJ
emaj-264	141	26	board	board	NOUN
emaj-264	141	27	size	size	NOUN
emaj-264	141	28	(	(	PUNCT
emaj-264	141	29	bs	bs	NOUN
emaj-264	141	30	)	)	PUNCT
emaj-264	141	31	are	be	AUX
emaj-264	141	32	also	also	ADV
emaj-264	141	33	indicated	indicate	VERB
emaj-264	141	34	.	.	PUNCT
emaj-264	142	1	source	source	NOUN
emaj-264	142	2	:	:	PUNCT
emaj-264	142	3	e	e	NOUN
emaj-264	142	4	-	-	NOUN
emaj-264	142	5	views	views	ADJ
emaj-264	142	6	output	output	NOUN
emaj-264	142	7	table	table	NOUN
emaj-264	142	8	2	2	NUM
emaj-264	142	9	is	be	AUX
emaj-264	142	10	a	a	DET
emaj-264	142	11	representation	representation	NOUN
emaj-264	142	12	of	of	ADP
emaj-264	142	13	the	the	DET
emaj-264	142	14	model	model	NOUN
emaj-264	142	15	for	for	ADP
emaj-264	142	16	deposit	deposit	NOUN
emaj-264	142	17	money	money	NOUN
emaj-264	142	18	banks	bank	NOUN
emaj-264	142	19	’	'	PUNCT
emaj-264	142	20	survival	survival	NOUN
emaj-264	142	21	proxy	proxy	NOUN
emaj-264	142	22	with	with	ADP
emaj-264	142	23	capital	capital	NOUN
emaj-264	142	24	adequacy	adequacy	NOUN
emaj-264	142	25	ratio	ratio	NOUN
emaj-264	142	26	(	(	PUNCT
emaj-264	142	27	car	car	NOUN
emaj-264	142	28	)	)	PUNCT
emaj-264	142	29	for	for	ADP
emaj-264	142	30	both	both	PRON
emaj-264	142	31	tier-1	tier-1	NUM
emaj-264	142	32	and	and	CCONJ
emaj-264	142	33	tier-2	tier-2	NUM
emaj-264	142	34	banks	bank	NOUN
emaj-264	142	35	.	.	PUNCT
emaj-264	143	1	it	it	PRON
emaj-264	143	2	is	be	AUX
emaj-264	143	3	shown	show	VERB
emaj-264	143	4	by	by	ADP
emaj-264	143	5	the	the	DET
emaj-264	143	6	significant	significant	ADJ
emaj-264	143	7	f	f	NOUN
emaj-264	143	8	-	-	PUNCT
emaj-264	143	9	statistics	statistic	NOUN
emaj-264	143	10	that	that	SCONJ
emaj-264	143	11	the	the	DET
emaj-264	143	12	model	model	NOUN
emaj-264	143	13	is	be	AUX
emaj-264	143	14	correctly	correctly	ADV
emaj-264	143	15	specified	specify	VERB
emaj-264	143	16	and	and	CCONJ
emaj-264	143	17	fit	fit	ADJ
emaj-264	143	18	.	.	PUNCT
emaj-264	144	1	it	it	PRON
emaj-264	144	2	was	be	AUX
emaj-264	144	3	concluded	conclude	VERB
emaj-264	144	4	by	by	ADP
emaj-264	144	5	the	the	DET
emaj-264	144	6	lm	lm	PROPN
emaj-264	144	7	test	test	NOUN
emaj-264	144	8	and	and	CCONJ
emaj-264	144	9	hausman	hausman	ADJ
emaj-264	144	10	rest	rest	NOUN
emaj-264	144	11	that	that	PRON
emaj-264	144	12	the	the	DET
emaj-264	144	13	fixed	fix	VERB
emaj-264	144	14	effect	effect	NOUN
emaj-264	144	15	model	model	NOUN
emaj-264	144	16	is	be	AUX
emaj-264	144	17	considered	consider	VERB
emaj-264	144	18	most	most	ADV
emaj-264	144	19	suitable	suitable	ADJ
emaj-264	144	20	for	for	ADP
emaj-264	144	21	this	this	DET
emaj-264	144	22	analysis	analysis	NOUN
emaj-264	144	23	representing	represent	VERB
emaj-264	144	24	the	the	DET
emaj-264	144	25	model	model	NOUN
emaj-264	144	26	for	for	ADP
emaj-264	144	27	the	the	DET
emaj-264	144	28	study	study	NOUN
emaj-264	144	29	.	.	PUNCT
emaj-264	145	1	in	in	ADP
emaj-264	145	2	this	this	DET
emaj-264	145	3	study	study	NOUN
emaj-264	145	4	,	,	PUNCT
emaj-264	145	5	spread	spread	VERB
emaj-264	145	6	(	(	PUNCT
emaj-264	145	7	spr	spr	INTJ
emaj-264	145	8	)	)	PUNCT
emaj-264	145	9	between	between	ADP
emaj-264	145	10	deposit	deposit	NOUN
emaj-264	145	11	rate	rate	NOUN
emaj-264	145	12	and	and	CCONJ
emaj-264	145	13	lending	lending	NOUN
emaj-264	145	14	rate	rate	NOUN
emaj-264	145	15	proxies	proxy	NOUN
emaj-264	145	16	for	for	ADP
emaj-264	145	17	interest	interest	NOUN
emaj-264	145	18	rate	rate	NOUN
emaj-264	145	19	spread	spread	VERB
emaj-264	145	20	while	while	SCONJ
emaj-264	145	21	asset	asset	NOUN
emaj-264	145	22	quality	quality	NOUN
emaj-264	145	23	(	(	PUNCT
emaj-264	145	24	aq	aq	NOUN
emaj-264	145	25	)	)	PUNCT
emaj-264	145	26	,	,	PUNCT
emaj-264	145	27	management	management	NOUN
emaj-264	145	28	efficiency	efficiency	NOUN
emaj-264	145	29	(	(	PUNCT
emaj-264	145	30	me	i	PRON
emaj-264	145	31	)	)	PUNCT
emaj-264	145	32	,	,	PUNCT
emaj-264	145	33	bank	bank	NOUN
emaj-264	145	34	size	size	NOUN
emaj-264	145	35	(	(	PUNCT
emaj-264	145	36	bas	bas	X
emaj-264	145	37	)	)	PUNCT
emaj-264	145	38	and	and	CCONJ
emaj-264	145	39	board	board	NOUN
emaj-264	145	40	size	size	NOUN
emaj-264	145	41	(	(	PUNCT
emaj-264	145	42	bs	bs	NOUN
emaj-264	145	43	)	)	PUNCT
emaj-264	145	44	were	be	AUX
emaj-264	145	45	proxied	proxie	VERB
emaj-264	145	46	for	for	ADP
emaj-264	145	47	bank	bank	NOUN
emaj-264	145	48	specific	specific	ADJ
emaj-264	145	49	factors	factor	NOUN
emaj-264	145	50	.	.	PUNCT
emaj-264	146	1	fixed	fix	VERB
emaj-264	146	2	effect	effect	NOUN
emaj-264	146	3	(	(	PUNCT
emaj-264	146	4	fe	fe	NOUN
emaj-264	146	5	)	)	PUNCT
emaj-264	146	6	panel	panel	NOUN
emaj-264	146	7	regression	regression	NOUN
emaj-264	146	8	was	be	AUX
emaj-264	146	9	adopted	adopt	VERB
emaj-264	146	10	for	for	ADP
emaj-264	146	11	this	this	DET
emaj-264	146	12	study	study	NOUN
emaj-264	146	13	.	.	PUNCT
emaj-264	147	1	for	for	ADP
emaj-264	147	2	tier-1	tier-1	NUM
emaj-264	147	3	banks	bank	NOUN
emaj-264	147	4	,	,	PUNCT
emaj-264	147	5	the	the	DET
emaj-264	147	6	results	result	NOUN
emaj-264	147	7	show	show	VERB
emaj-264	147	8	that	that	SCONJ
emaj-264	147	9	spread	spread	NOUN
emaj-264	147	10	,	,	PUNCT
emaj-264	147	11	assets	asset	NOUN
emaj-264	147	12	quality	quality	NOUN
emaj-264	147	13	,	,	PUNCT
emaj-264	147	14	and	and	CCONJ
emaj-264	147	15	management	management	NOUN
emaj-264	147	16	efficiency	efficiency	NOUN
emaj-264	147	17	have	have	VERB
emaj-264	147	18	positive	positive	ADJ
emaj-264	147	19	and	and	CCONJ
emaj-264	147	20	significant	significant	ADJ
emaj-264	147	21	effect	effect	NOUN
emaj-264	147	22	on	on	ADP
emaj-264	147	23	bank	bank	NOUN
emaj-264	147	24	survival	survival	NOUN
emaj-264	147	25	while	while	SCONJ
emaj-264	147	26	board	board	NOUN
emaj-264	147	27	size	size	NOUN
emaj-264	147	28	has	have	VERB
emaj-264	147	29	negative	negative	ADJ
emaj-264	147	30	and	and	CCONJ
emaj-264	147	31	significant	significant	ADJ
emaj-264	147	32	effect	effect	NOUN
emaj-264	147	33	on	on	ADP
emaj-264	147	34	bank	bank	NOUN
emaj-264	147	35	survival	survival	NOUN
emaj-264	147	36	among	among	ADP
emaj-264	147	37	tier-1	tier-1	NUM
emaj-264	147	38	banks	bank	NOUN
emaj-264	147	39	in	in	ADP
emaj-264	147	40	nigeria	nigeria	PROPN
emaj-264	147	41	since	since	SCONJ
emaj-264	147	42	the	the	DET
emaj-264	147	43	p<5	p<5	NOUN
emaj-264	147	44	%	%	NOUN
emaj-264	147	45	and	and	CCONJ
emaj-264	147	46	10	10	NUM
emaj-264	147	47	%	%	NOUN
emaj-264	147	48	.	.	PUNCT
emaj-264	148	1	for	for	ADP
emaj-264	148	2	tier-2	tier-2	NUM
emaj-264	148	3	banks	bank	NOUN
emaj-264	148	4	,	,	PUNCT
emaj-264	148	5	the	the	DET
emaj-264	148	6	study	study	NOUN
emaj-264	148	7	found	find	VERB
emaj-264	148	8	that	that	SCONJ
emaj-264	148	9	spread	spread	NOUN
emaj-264	148	10	and	and	CCONJ
emaj-264	148	11	board	board	NOUN
emaj-264	148	12	size	size	NOUN
emaj-264	148	13	have	have	VERB
emaj-264	148	14	negative	negative	ADJ
emaj-264	148	15	and	and	CCONJ
emaj-264	148	16	significant	significant	ADJ
emaj-264	148	17	effect	effect	NOUN
emaj-264	148	18	on	on	ADP
emaj-264	148	19	capital	capital	NOUN
emaj-264	148	20	adequacy	adequacy	NOUN
emaj-264	148	21	ratio	ratio	NOUN
emaj-264	148	22	(	(	PUNCT
emaj-264	148	23	car	car	NOUN
emaj-264	148	24	)	)	PUNCT
emaj-264	148	25	proxy	proxy	NOUN
emaj-264	148	26	with	with	ADP
emaj-264	148	27	bank	bank	NOUN
emaj-264	148	28	survival	survival	NOUN
emaj-264	148	29	while	while	SCONJ
emaj-264	148	30	asset	asset	NOUN
emaj-264	148	31	quality	quality	NOUN
emaj-264	148	32	,	,	PUNCT
emaj-264	148	33	management	management	NOUN
emaj-264	148	34	efficiency	efficiency	NOUN
emaj-264	148	35	and	and	CCONJ
emaj-264	148	36	bank	bank	NOUN
emaj-264	148	37	size	size	NOUN
emaj-264	148	38	have	have	VERB
emaj-264	148	39	positive	positive	ADJ
emaj-264	148	40	and	and	CCONJ
emaj-264	148	41	significant	significant	ADJ
emaj-264	148	42	effect	effect	NOUN
emaj-264	148	43	on	on	ADP
emaj-264	148	44	bank	bank	NOUN
emaj-264	148	45	survival	survival	NOUN
emaj-264	148	46	.	.	PUNCT
emaj-264	149	1	thus	thus	ADV
emaj-264	149	2	,	,	PUNCT
emaj-264	149	3	the	the	DET
emaj-264	149	4	study	study	NOUN
emaj-264	149	5	rejected	reject	VERB
emaj-264	149	6	the	the	DET
emaj-264	149	7	two	two	NUM
emaj-264	149	8	null	null	ADJ
emaj-264	149	9	hypotheses	hypothesis	NOUN
emaj-264	149	10	that	that	PRON
emaj-264	149	11	;	;	PUNCT
emaj-264	149	12	h01	h01	NOUN
emaj-264	149	13	:	:	PUNCT
emaj-264	149	14	there	there	PRON
emaj-264	149	15	is	be	VERB
emaj-264	149	16	no	no	DET
emaj-264	149	17	combined	combined	ADJ
emaj-264	149	18	significant	significant	ADJ
emaj-264	149	19	effect	effect	NOUN
emaj-264	149	20	of	of	ADP
emaj-264	149	21	spread	spread	NOUN
emaj-264	149	22	,	,	PUNCT
emaj-264	149	23	asset	asset	NOUN
emaj-264	149	24	quality	quality	NOUN
emaj-264	149	25	,	,	PUNCT
emaj-264	149	26	management	management	NOUN
emaj-264	149	27	efficiency	efficiency	NOUN
emaj-264	149	28	,	,	PUNCT
emaj-264	149	29	bank	bank	NOUN
emaj-264	149	30	size	size	NOUN
emaj-264	149	31	and	and	CCONJ
emaj-264	149	32	board	board	NOUN
emaj-264	149	33	size	size	NOUN
emaj-264	149	34	on	on	ADP
emaj-264	149	35	capital	capital	NOUN
emaj-264	149	36	adequacy	adequacy	NOUN
emaj-264	149	37	ratio	ratio	NOUN
emaj-264	149	38	of	of	ADP
emaj-264	149	39	tier-1	tier-1	NUM
emaj-264	149	40	deposit	deposit	NOUN
emaj-264	149	41	money	money	NOUN
emaj-264	149	42	banks	bank	NOUN
emaj-264	149	43	quoted	quote	VERB
emaj-264	149	44	in	in	ADP
emaj-264	149	45	nigeria	nigeria	PROPN
emaj-264	149	46	.	.	PUNCT
emaj-264	150	1	h02	h02	PROPN
emaj-264	150	2	:	:	PUNCT
emaj-264	150	3	there	there	PRON
emaj-264	150	4	is	be	VERB
emaj-264	150	5	no	no	DET
emaj-264	150	6	combined	combined	ADJ
emaj-264	150	7	significant	significant	ADJ
emaj-264	150	8	effect	effect	NOUN
emaj-264	150	9	of	of	ADP
emaj-264	150	10	spread	spread	NOUN
emaj-264	150	11	,	,	PUNCT
emaj-264	150	12	asset	asset	NOUN
emaj-264	150	13	quality	quality	NOUN
emaj-264	150	14	,	,	PUNCT
emaj-264	150	15	management	management	NOUN
emaj-264	150	16	efficiency	efficiency	NOUN
emaj-264	150	17	,	,	PUNCT
emaj-264	150	18	bank	bank	NOUN
emaj-264	150	19	size	size	NOUN
emaj-264	150	20	and	and	CCONJ
emaj-264	150	21	board	board	NOUN
emaj-264	150	22	size	size	NOUN
emaj-264	150	23	on	on	ADP
emaj-264	150	24	capital	capital	NOUN
emaj-264	150	25	adequacy	adequacy	NOUN
emaj-264	150	26	ratio	ratio	NOUN
emaj-264	150	27	of	of	ADP
emaj-264	150	28	tier-2	tier-2	NUM
emaj-264	150	29	deposit	deposit	NOUN
emaj-264	150	30	money	money	NOUN
emaj-264	150	31	banks	bank	NOUN
emaj-264	150	32	in	in	ADP
emaj-264	150	33	nigeria	nigeria	PROPN
emaj-264	150	34	.	.	PUNCT
emaj-264	151	1	v.	v.	ADP
emaj-264	151	2	discussion	discussion	NOUN
emaj-264	151	3	of	of	ADP
emaj-264	151	4	findings	finding	NOUN
emaj-264	151	5	the	the	DET
emaj-264	151	6	results	result	NOUN
emaj-264	151	7	of	of	ADP
emaj-264	151	8	this	this	DET
emaj-264	151	9	study	study	NOUN
emaj-264	151	10	indicate	indicate	VERB
emaj-264	151	11	that	that	PRON
emaj-264	151	12	spread	spread	NOUN
emaj-264	151	13	,	,	PUNCT
emaj-264	151	14	asset	asset	NOUN
emaj-264	151	15	quality	quality	NOUN
emaj-264	151	16	,	,	PUNCT
emaj-264	151	17	and	and	CCONJ
emaj-264	151	18	management	management	NOUN
emaj-264	151	19	efficiency	efficiency	NOUN
emaj-264	151	20	have	have	VERB
emaj-264	151	21	a	a	DET
emaj-264	151	22	positive	positive	ADJ
emaj-264	151	23	and	and	CCONJ
emaj-264	151	24	significant	significant	ADJ
emaj-264	151	25	effect	effect	NOUN
emaj-264	151	26	on	on	ADP
emaj-264	151	27	bank	bank	NOUN
emaj-264	151	28	survival	survival	NOUN
emaj-264	151	29	,	,	PUNCT
emaj-264	151	30	while	while	SCONJ
emaj-264	151	31	board	board	NOUN
emaj-264	151	32	size	size	NOUN
emaj-264	151	33	has	have	VERB
emaj-264	151	34	a	a	DET
emaj-264	151	35	negative	negative	ADJ
emaj-264	151	36	and	and	CCONJ
emaj-264	151	37	significant	significant	ADJ
emaj-264	151	38	effect	effect	NOUN
emaj-264	151	39	on	on	ADP
emaj-264	151	40	bank	bank	NOUN
emaj-264	151	41	survival	survival	NOUN
emaj-264	151	42	among	among	ADP
emaj-264	151	43	tier-1	tier-1	NUM
emaj-264	151	44	banks	bank	NOUN
emaj-264	151	45	in	in	ADP
emaj-264	151	46	nigeria	nigeria	PROPN
emaj-264	151	47	since	since	SCONJ
emaj-264	151	48	p<5	p<5	X
emaj-264	151	49	%	%	NOUN
emaj-264	151	50	and	and	CCONJ
emaj-264	151	51	10	10	NUM
emaj-264	151	52	%	%	NOUN
emaj-264	151	53	.	.	PUNCT
emaj-264	152	1	these	these	DET
emaj-264	152	2	results	result	NOUN
emaj-264	152	3	imply	imply	VERB
emaj-264	152	4	that	that	SCONJ
emaj-264	152	5	the	the	DET
emaj-264	152	6	increase	increase	NOUN
emaj-264	152	7	in	in	ADP
emaj-264	152	8	the	the	DET
emaj-264	152	9	spread	spread	NOUN
emaj-264	152	10	of	of	ADP
emaj-264	152	11	asset	asset	NOUN
emaj-264	152	12	quality	quality	NOUN
emaj-264	152	13	and	and	CCONJ
emaj-264	152	14	management	management	NOUN
emaj-264	152	15	efficiency	efficiency	NOUN
emaj-264	152	16	will	will	AUX
emaj-264	152	17	bring	bring	VERB
emaj-264	152	18	about	about	ADP
emaj-264	152	19	increase	increase	NOUN
emaj-264	152	20	in	in	ADP
emaj-264	152	21	bank	bank	NOUN
emaj-264	152	22	survival	survival	NOUN
emaj-264	152	23	regardless	regardless	ADV
emaj-264	152	24	of	of	ADP
emaj-264	152	25	the	the	DET
emaj-264	152	26	size	size	NOUN
emaj-264	152	27	of	of	ADP
emaj-264	152	28	the	the	DET
emaj-264	152	29	board	board	NOUN
emaj-264	152	30	.	.	PUNCT
emaj-264	153	1	bank	bank	NOUN
emaj-264	153	2	survival	survival	NOUN
emaj-264	153	3	is	be	AUX
emaj-264	153	4	largely	largely	ADV
emaj-264	153	5	dependent	dependent	ADJ
emaj-264	153	6	on	on	ADP
emaj-264	153	7	the	the	DET
emaj-264	153	8	extent	extent	NOUN
emaj-264	153	9	to	to	PART
emaj-264	153	10	which	which	PRON
emaj-264	153	11	the	the	DET
emaj-264	153	12	management	management	NOUN
emaj-264	153	13	efficiently	efficiently	ADV
emaj-264	153	14	manages	manage	VERB
emaj-264	153	15	both	both	CCONJ
emaj-264	153	16	the	the	DET
emaj-264	153	17	human	human	ADJ
emaj-264	153	18	capital	capital	NOUN
emaj-264	153	19	and	and	CCONJ
emaj-264	153	20	other	other	ADJ
emaj-264	153	21	bank	bank	NOUN
emaj-264	153	22	resources	resource	NOUN
emaj-264	153	23	,	,	PUNCT
emaj-264	153	24	especially	especially	ADV
emaj-264	153	25	asset	asset	NOUN
emaj-264	153	26	quality	quality	NOUN
emaj-264	153	27	.	.	PUNCT
emaj-264	154	1	the	the	DET
emaj-264	154	2	result	result	NOUN
emaj-264	154	3	of	of	ADP
emaj-264	154	4	this	this	DET
emaj-264	154	5	study	study	NOUN
emaj-264	154	6	which	which	PRON
emaj-264	154	7	led	lead	VERB
emaj-264	154	8	to	to	ADP
emaj-264	154	9	the	the	DET
emaj-264	154	10	rejection	rejection	NOUN
emaj-264	154	11	of	of	ADP
emaj-264	154	12	the	the	DET
emaj-264	154	13	null	null	ADJ
emaj-264	154	14	hypotheses	hypothesis	NOUN
emaj-264	154	15	implies	imply	VERB
emaj-264	154	16	that	that	SCONJ
emaj-264	154	17	the	the	DET
emaj-264	154	18	survival	survival	NOUN
emaj-264	154	19	bank	bank	PROPN
emaj-264	154	20	depends	depend	VERB
emaj-264	154	21	largely	largely	ADV
emaj-264	154	22	on	on	ADP
emaj-264	154	23	the	the	DET
emaj-264	154	24	combined	combine	VERB
emaj-264	154	25	attributes	attribute	NOUN
emaj-264	154	26	or	or	CCONJ
emaj-264	154	27	effects	effect	NOUN
emaj-264	154	28	of	of	ADP
emaj-264	154	29	spread	spread	NOUN
emaj-264	154	30	,	,	PUNCT
emaj-264	154	31	asset	asset	NOUN
emaj-264	154	32	quality	quality	NOUN
emaj-264	154	33	,	,	PUNCT
emaj-264	154	34	management	management	NOUN
emaj-264	154	35	efficiency	efficiency	NOUN
emaj-264	154	36	,	,	PUNCT
emaj-264	154	37	bank	bank	NOUN
emaj-264	154	38	size	size	NOUN
emaj-264	154	39	and	and	CCONJ
emaj-264	154	40	board	board	NOUN
emaj-264	154	41	size	size	NOUN
emaj-264	154	42	on	on	ADP
emaj-264	154	43	the	the	DET
emaj-264	154	44	capital	capital	NOUN
emaj-264	154	45	adequacy	adequacy	NOUN
emaj-264	154	46	ratio	ratio	NOUN
emaj-264	154	47	(	(	PUNCT
emaj-264	154	48	car	car	NOUN
emaj-264	154	49	)	)	PUNCT
emaj-264	154	50	of	of	ADP
emaj-264	154	51	tier-1	tier-1	NUM
emaj-264	154	52	as	as	ADV
emaj-264	154	53	well	well	ADV
emaj-264	154	54	as	as	ADP
emaj-264	154	55	tier	tier	NOUN
emaj-264	154	56	-2	-2	INTJ
emaj-264	154	57	deposit	deposit	NOUN
emaj-264	154	58	money	money	NOUN
emaj-264	154	59	banks	bank	NOUN
emaj-264	154	60	quoted	quote	VERB
emaj-264	154	61	in	in	ADP
emaj-264	154	62	nigeria	nigeria	PROPN
emaj-264	154	63	.	.	PUNCT
emaj-264	155	1	this	this	PRON
emaj-264	155	2	is	be	AUX
emaj-264	155	3	because	because	SCONJ
emaj-264	155	4	these	these	DET
emaj-264	155	5	variables	variable	NOUN
emaj-264	155	6	asset	asset	NOUN
emaj-264	155	7	quality	quality	NOUN
emaj-264	155	8	,	,	PUNCT
emaj-264	155	9	management	management	NOUN
emaj-264	155	10	efficiency	efficiency	NOUN
emaj-264	155	11	,	,	PUNCT
emaj-264	155	12	bank	bank	NOUN
emaj-264	155	13	size	size	NOUN
emaj-264	155	14	and	and	CCONJ
emaj-264	155	15	board	board	NOUN
emaj-264	155	16	size	size	NOUN
emaj-264	155	17	collectively	collectively	ADV
emaj-264	155	18	contributed	contribute	VERB
emaj-264	155	19	towards	towards	ADP
emaj-264	155	20	the	the	DET
emaj-264	155	21	enhancement	enhancement	NOUN
emaj-264	155	22	of	of	ADP
emaj-264	155	23	bank	bank	NOUN
emaj-264	155	24	capital	capital	NOUN
emaj-264	155	25	adequacy	adequacy	NOUN
emaj-264	155	26	,	,	PUNCT
emaj-264	155	27	that	that	ADV
emaj-264	155	28	is	is	ADV
emaj-264	155	29	,	,	PUNCT
emaj-264	155	30	the	the	DET
emaj-264	155	31	ability	ability	NOUN
emaj-264	155	32	to	to	PART
emaj-264	155	33	endure	endure	VERB
emaj-264	155	34	unsound	unsound	ADJ
emaj-264	155	35	market	market	NOUN
emaj-264	155	36	practices	practice	NOUN
emaj-264	155	37	and	and	CCONJ
emaj-264	155	38	occurrences	occurrence	NOUN
emaj-264	155	39	of	of	ADP
emaj-264	155	40	moral	moral	ADJ
emaj-264	155	41	hazard	hazard	NOUN
emaj-264	155	42	,	,	PUNCT
emaj-264	155	43	which	which	PRON
emaj-264	155	44	leads	lead	VERB
emaj-264	155	45	to	to	ADP
emaj-264	155	46	improved	improved	ADJ
emaj-264	155	47	system	system	NOUN
emaj-264	155	48	-	-	PUNCT
emaj-264	155	49	wide	wide	ADJ
emaj-264	155	50	risk	risk	NOUN
emaj-264	155	51	-	-	PUNCT
emaj-264	155	52	management	management	NOUN
emaj-264	155	53	capabilities	capability	NOUN
emaj-264	155	54	.	.	PUNCT
emaj-264	156	1	banks	bank	NOUN
emaj-264	156	2	’	'	PUNCT
emaj-264	156	3	credibility	credibility	NOUN
emaj-264	156	4	is	be	AUX
emaj-264	156	5	experienced	experience	VERB
emaj-264	156	6	in	in	ADP
emaj-264	156	7	its	its	PRON
emaj-264	156	8	ability	ability	NOUN
emaj-264	156	9	to	to	PART
emaj-264	156	10	return	return	VERB
emaj-264	156	11	customers	customer	NOUN
emaj-264	156	12	’	’	PART
emaj-264	156	13	money	money	NOUN
emaj-264	156	14	as	as	ADP
emaj-264	156	15	when	when	SCONJ
emaj-264	156	16	needed	need	VERB
emaj-264	156	17	while	while	SCONJ
emaj-264	156	18	functioning	function	VERB
emaj-264	156	19	efficiently	efficiently	ADV
emaj-264	156	20	.	.	PUNCT
emaj-264	157	1	although	although	SCONJ
emaj-264	157	2	there	there	PRON
emaj-264	157	3	is	be	VERB
emaj-264	157	4	no	no	DET
emaj-264	157	5	study	study	NOUN
emaj-264	157	6	known	know	VERB
emaj-264	157	7	to	to	ADP
emaj-264	157	8	the	the	DET
emaj-264	157	9	researchers	researcher	NOUN
emaj-264	157	10	which	which	PRON
emaj-264	157	11	studied	study	VERB
emaj-264	157	12	the	the	DET
emaj-264	157	13	combined	combine	VERB
emaj-264	157	14	effects	effect	NOUN
emaj-264	157	15	of	of	ADP
emaj-264	157	16	asset	asset	NOUN
emaj-264	157	17	quality	quality	NOUN
emaj-264	157	18	,	,	PUNCT
emaj-264	157	19	management	management	NOUN
emaj-264	157	20	efficiency	efficiency	NOUN
emaj-264	157	21	,	,	PUNCT
emaj-264	157	22	bank	bank	NOUN
emaj-264	157	23	size	size	NOUN
emaj-264	157	24	and	and	CCONJ
emaj-264	157	25	board	board	NOUN
emaj-264	157	26	size	size	NOUN
emaj-264	157	27	on	on	ADP
emaj-264	157	28	capital	capital	NOUN
emaj-264	157	29	adequacy	adequacy	NOUN
emaj-264	157	30	,	,	PUNCT
emaj-264	157	31	there	there	PRON
emaj-264	157	32	have	have	AUX
emaj-264	157	33	been	be	AUX
emaj-264	157	34	studies	study	NOUN
emaj-264	157	35	supporting	support	VERB
emaj-264	157	36	the	the	DET
emaj-264	157	37	connection	connection	NOUN
emaj-264	157	38	between	between	ADP
emaj-264	157	39	individual	individual	ADJ
emaj-264	157	40	variable	variable	NOUN
emaj-264	157	41	with	with	ADP
emaj-264	157	42	capital	capital	NOUN
emaj-264	157	43	adequacy	adequacy	NOUN
emaj-264	157	44	.	.	PUNCT
emaj-264	158	1	for	for	ADP
emaj-264	158	2	instance	instance	NOUN
emaj-264	158	3	,	,	PUNCT
emaj-264	158	4	the	the	DET
emaj-264	158	5	result	result	NOUN
emaj-264	158	6	of	of	ADP
emaj-264	158	7	this	this	DET
emaj-264	158	8	study	study	NOUN
emaj-264	158	9	supports	support	VERB
emaj-264	158	10	the	the	DET
emaj-264	158	11	positive	positive	ADJ
emaj-264	158	12	significant	significant	ADJ
emaj-264	158	13	connection	connection	NOUN
emaj-264	158	14	which	which	PRON
emaj-264	158	15	el	el	NOUN
emaj-264	158	16	-	-	ADJ
emaj-264	158	17	ansary	ansary	ADJ
emaj-264	158	18	and	and	CCONJ
emaj-264	158	19	hafez	hafez	PROPN
emaj-264	158	20	(	(	PUNCT
emaj-264	158	21	2015	2015	NUM
emaj-264	158	22	)	)	PUNCT
emaj-264	158	23	,	,	PUNCT
emaj-264	158	24	mekonnen	mekonnen	PROPN
emaj-264	158	25	(	(	PUNCT
emaj-264	158	26	2015	2015	NUM
emaj-264	158	27	)	)	PUNCT
emaj-264	158	28	,	,	PUNCT
emaj-264	158	29	and	and	CCONJ
emaj-264	158	30	polat	polat	NOUN
emaj-264	158	31	and	and	CCONJ
emaj-264	158	32	al	al	PROPN
emaj-264	158	33	-	-	PUNCT
emaj-264	158	34	khalaf	khalaf	PROPN
emaj-264	158	35	(	(	PUNCT
emaj-264	158	36	2014	2014	NUM
emaj-264	158	37	)	)	PUNCT
emaj-264	158	38	found	find	VERB
emaj-264	158	39	between	between	ADP
emaj-264	158	40	bank	bank	NOUN
emaj-264	158	41	size	size	NOUN
emaj-264	158	42	and	and	CCONJ
emaj-264	158	43	capital	capital	NOUN
emaj-264	158	44	adequacy	adequacy	NOUN
emaj-264	158	45	ratio	ratio	NOUN
emaj-264	158	46	(	(	PUNCT
emaj-264	158	47	car	car	NOUN
emaj-264	158	48	)	)	PUNCT
emaj-264	158	49	in	in	ADP
emaj-264	158	50	their	their	PRON
emaj-264	158	51	respective	respective	ADJ
emaj-264	158	52	studies	study	NOUN
emaj-264	158	53	;	;	PUNCT
emaj-264	158	54	but	but	CCONJ
emaj-264	158	55	disagreed	disagree	VERB
emaj-264	158	56	with	with	ADP
emaj-264	158	57	volume	volume	NOUN
emaj-264	158	58	12	12	NUM
emaj-264	158	59	no	no	DET
emaj-264	158	60	2	2	NUM
emaj-264	158	61	(	(	PUNCT
emaj-264	158	62	2022	2022	NUM
emaj-264	158	63	)	)	PUNCT
emaj-264	158	64	|	|	ADV
emaj-264	158	65	issn	issn	VERB
emaj-264	158	66	2158	2158	NUM
emaj-264	158	67	-	-	SYM
emaj-264	158	68	8708	8708	NUM
emaj-264	158	69	(	(	PUNCT
emaj-264	158	70	online	online	NOUN
emaj-264	158	71	)	)	PUNCT
emaj-264	158	72	|	|	ADV
emaj-264	158	73	doi	doi	X
emaj-264	158	74	10.5195	10.5195	NUM
emaj-264	158	75	/	/	SYM
emaj-264	158	76	emaj.2022.264	emaj.2022.264	PROPN
emaj-264	159	1	|	|	ADV
emaj-264	159	2	http://emaj.pitt.edu	http://emaj.pitt.edu	VERB
emaj-264	159	3	effect	effect	NOUN
emaj-264	159	4	of	of	ADP
emaj-264	159	5	interest	interest	NOUN
emaj-264	159	6	rate	rate	NOUN
emaj-264	159	7	spread	spread	VERB
emaj-264	159	8	and	and	CCONJ
emaj-264	159	9	bank	bank	NOUN
emaj-264	159	10	specific	specific	ADJ
emaj-264	159	11	factors	factor	NOUN
emaj-264	159	12	on	on	ADP
emaj-264	159	13	survival	survival	NOUN
emaj-264	159	14	of	of	ADP
emaj-264	159	15	tier	tier	NOUN
emaj-264	159	16	-	-	PUNCT
emaj-264	159	17	one	one	NUM
emaj-264	159	18	and	and	CCONJ
emaj-264	159	19	tier	tier	NOUN
emaj-264	159	20	-	-	PUNCT
emaj-264	159	21	two	two	NUM
emaj-264	159	22	deposit	deposit	NOUN
emaj-264	159	23	money	money	NOUN
emaj-264	159	24	banks	bank	NOUN
emaj-264	159	25	in	in	ADP
emaj-264	159	26	nigeria	nigeria	PROPN
emaj-264	159	27	page	page	NOUN
emaj-264	159	28	|24|	|24|	ADJ
emaj-264	159	29	emerging	emerge	VERB
emaj-264	159	30	markets	market	NOUN
emaj-264	159	31	journal	journal	VERB
emaj-264	159	32	the	the	DET
emaj-264	159	33	negative	negative	ADJ
emaj-264	159	34	connection	connection	NOUN
emaj-264	159	35	found	find	VERB
emaj-264	159	36	between	between	ADP
emaj-264	159	37	bank	bank	NOUN
emaj-264	159	38	size	size	NOUN
emaj-264	159	39	and	and	CCONJ
emaj-264	159	40	car	car	NOUN
emaj-264	159	41	by	by	ADP
emaj-264	159	42	alajmi	alajmi	NOUN
emaj-264	159	43	and	and	CCONJ
emaj-264	159	44	alqasem	alqasem	NOUN
emaj-264	159	45	(	(	PUNCT
emaj-264	159	46	2015	2015	NUM
emaj-264	159	47	)	)	PUNCT
emaj-264	159	48	.	.	PUNCT
emaj-264	160	1	the	the	DET
emaj-264	160	2	results	result	NOUN
emaj-264	160	3	of	of	ADP
emaj-264	160	4	this	this	DET
emaj-264	160	5	study	study	NOUN
emaj-264	160	6	also	also	ADV
emaj-264	160	7	support	support	VERB
emaj-264	160	8	pastory	pastory	ADJ
emaj-264	160	9	and	and	CCONJ
emaj-264	160	10	mutaju	mutaju	X
emaj-264	160	11	(	(	PUNCT
emaj-264	160	12	2013	2013	NUM
emaj-264	160	13	)	)	PUNCT
emaj-264	160	14	who	who	PRON
emaj-264	160	15	found	find	VERB
emaj-264	160	16	a	a	DET
emaj-264	160	17	positive	positive	ADJ
emaj-264	160	18	significant	significant	ADJ
emaj-264	160	19	relationship	relationship	NOUN
emaj-264	160	20	between	between	ADP
emaj-264	160	21	asset	asset	NOUN
emaj-264	160	22	quality	quality	NOUN
emaj-264	160	23	and	and	CCONJ
emaj-264	160	24	car	car	NOUN
emaj-264	160	25	in	in	ADP
emaj-264	160	26	33	33	NUM
emaj-264	160	27	commercial	commercial	ADJ
emaj-264	160	28	banks	bank	NOUN
emaj-264	160	29	studied	study	VERB
emaj-264	160	30	for	for	ADP
emaj-264	160	31	eight	eight	NUM
emaj-264	160	32	years	year	NOUN
emaj-264	160	33	.	.	PUNCT
emaj-264	161	1	for	for	ADP
emaj-264	161	2	pastory	pastory	ADJ
emaj-264	161	3	and	and	CCONJ
emaj-264	161	4	mutaju	mutaju	PROPN
emaj-264	161	5	,	,	PUNCT
emaj-264	161	6	the	the	PRON
emaj-264	161	7	higher	high	ADJ
emaj-264	161	8	the	the	DET
emaj-264	161	9	asset	asset	NOUN
emaj-264	161	10	quality	quality	NOUN
emaj-264	161	11	,	,	PUNCT
emaj-264	161	12	the	the	PRON
emaj-264	161	13	higher	high	ADJ
emaj-264	161	14	the	the	DET
emaj-264	161	15	capital	capital	NOUN
emaj-264	161	16	adequacy	adequacy	NOUN
emaj-264	161	17	ratio	ratio	NOUN
emaj-264	161	18	.	.	PUNCT
emaj-264	162	1	this	this	DET
emaj-264	162	2	finding	finding	NOUN
emaj-264	162	3	is	be	AUX
emaj-264	162	4	consistent	consistent	ADJ
emaj-264	162	5	with	with	ADP
emaj-264	162	6	thoa	thoa	NOUN
emaj-264	162	7	and	and	CCONJ
emaj-264	162	8	anh	anh	NOUN
emaj-264	162	9	(	(	PUNCT
emaj-264	162	10	2017	2017	NUM
emaj-264	162	11	)	)	PUNCT
emaj-264	162	12	who	who	PRON
emaj-264	162	13	also	also	ADV
emaj-264	162	14	found	find	VERB
emaj-264	162	15	the	the	DET
emaj-264	162	16	existence	existence	NOUN
emaj-264	162	17	of	of	ADP
emaj-264	162	18	a	a	DET
emaj-264	162	19	positive	positive	ADJ
emaj-264	162	20	relationship	relationship	NOUN
emaj-264	162	21	between	between	ADP
emaj-264	162	22	bank	bank	NOUN
emaj-264	162	23	size	size	NOUN
emaj-264	162	24	,	,	PUNCT
emaj-264	162	25	asset	asset	NOUN
emaj-264	162	26	quality	quality	NOUN
emaj-264	162	27	and	and	CCONJ
emaj-264	162	28	board	board	NOUN
emaj-264	162	29	size	size	NOUN
emaj-264	162	30	.	.	PUNCT
emaj-264	163	1	in	in	ADP
emaj-264	163	2	abusharba	abusharba	PROPN
emaj-264	163	3	et	et	PROPN
emaj-264	163	4	al	al	PROPN
emaj-264	163	5	.	.	PROPN
emaj-264	164	1	(	(	PUNCT
emaj-264	164	2	2013	2013	NUM
emaj-264	164	3	)	)	PUNCT
emaj-264	164	4	,	,	PUNCT
emaj-264	164	5	a	a	DET
emaj-264	164	6	significant	significant	ADJ
emaj-264	164	7	positive	positive	ADJ
emaj-264	164	8	relationship	relationship	NOUN
emaj-264	164	9	was	be	AUX
emaj-264	164	10	found	find	VERB
emaj-264	164	11	to	to	PART
emaj-264	164	12	exist	exist	VERB
emaj-264	164	13	between	between	ADP
emaj-264	164	14	bank	bank	NOUN
emaj-264	164	15	size	size	NOUN
emaj-264	164	16	,	,	PUNCT
emaj-264	164	17	assets	asset	NOUN
emaj-264	164	18	quality	quality	NOUN
emaj-264	164	19	,	,	PUNCT
emaj-264	164	20	management	management	NOUN
emaj-264	164	21	quality	quality	NOUN
emaj-264	164	22	and	and	CCONJ
emaj-264	164	23	capital	capital	NOUN
emaj-264	164	24	adequacy	adequacy	NOUN
emaj-264	164	25	ratio	ratio	NOUN
emaj-264	164	26	.	.	PUNCT
emaj-264	165	1	other	other	ADJ
emaj-264	165	2	studies	study	NOUN
emaj-264	165	3	that	that	PRON
emaj-264	165	4	share	share	VERB
emaj-264	165	5	similar	similar	ADJ
emaj-264	165	6	positive	positive	ADJ
emaj-264	165	7	relationship	relationship	NOUN
emaj-264	165	8	,	,	PUNCT
emaj-264	165	9	especially	especially	ADV
emaj-264	165	10	between	between	ADP
emaj-264	165	11	bank	bank	NOUN
emaj-264	165	12	size	size	NOUN
emaj-264	165	13	and	and	CCONJ
emaj-264	165	14	capital	capital	NOUN
emaj-264	165	15	adequacy	adequacy	NOUN
emaj-264	165	16	ratio	ratio	NOUN
emaj-264	165	17	include	include	VERB
emaj-264	165	18	buyuksalvarc	buyuksalvarc	NOUN
emaj-264	165	19	and	and	CCONJ
emaj-264	165	20	abdioglu	abdioglu	PROPN
emaj-264	165	21	(	(	PUNCT
emaj-264	165	22	2011	2011	NUM
emaj-264	165	23	)	)	PUNCT
emaj-264	165	24	,	,	PUNCT
emaj-264	165	25	williams	williams	PROPN
emaj-264	165	26	(	(	PUNCT
emaj-264	165	27	2011	2011	NUM
emaj-264	165	28	)	)	PUNCT
emaj-264	165	29	and	and	CCONJ
emaj-264	165	30	romdhane	romdhane	NOUN
emaj-264	165	31	(	(	PUNCT
emaj-264	165	32	2012	2012	NUM
emaj-264	165	33	)	)	PUNCT
emaj-264	165	34	respectively	respectively	ADV
emaj-264	165	35	.	.	PUNCT
emaj-264	166	1	vi	vi	NOUN
emaj-264	166	2	conclusions	conclusion	NOUN
emaj-264	166	3	and	and	CCONJ
emaj-264	166	4	recommendations	recommendation	NOUN
emaj-264	166	5	the	the	DET
emaj-264	166	6	results	result	NOUN
emaj-264	166	7	of	of	ADP
emaj-264	166	8	this	this	DET
emaj-264	166	9	study	study	NOUN
emaj-264	166	10	clearly	clearly	ADV
emaj-264	166	11	indicated	indicate	VERB
emaj-264	166	12	a	a	DET
emaj-264	166	13	positive	positive	ADJ
emaj-264	166	14	significant	significant	ADJ
emaj-264	166	15	effect	effect	NOUN
emaj-264	166	16	of	of	ADP
emaj-264	166	17	spread	spread	NOUN
emaj-264	166	18	,	,	PUNCT
emaj-264	166	19	asset	asset	NOUN
emaj-264	166	20	quality	quality	NOUN
emaj-264	166	21	,	,	PUNCT
emaj-264	166	22	and	and	CCONJ
emaj-264	166	23	management	management	NOUN
emaj-264	166	24	efficiency	efficiency	NOUN
emaj-264	166	25	on	on	ADP
emaj-264	166	26	bank	bank	NOUN
emaj-264	166	27	survival	survival	NOUN
emaj-264	166	28	as	as	SCONJ
emaj-264	166	29	measured	measure	VERB
emaj-264	166	30	by	by	ADP
emaj-264	166	31	capital	capital	NOUN
emaj-264	166	32	adequacy	adequacy	NOUN
emaj-264	166	33	ratio	ratio	NOUN
emaj-264	166	34	(	(	PUNCT
emaj-264	166	35	car	car	NOUN
emaj-264	166	36	)	)	PUNCT
emaj-264	166	37	among	among	ADP
emaj-264	166	38	tier-1	tier-1	NUM
emaj-264	166	39	and	and	CCONJ
emaj-264	166	40	tier-2	tier-2	NUM
emaj-264	166	41	banks	bank	NOUN
emaj-264	166	42	.	.	PUNCT
emaj-264	167	1	data	datum	NOUN
emaj-264	167	2	were	be	AUX
emaj-264	167	3	collected	collect	VERB
emaj-264	167	4	from	from	ADP
emaj-264	167	5	cbn	cbn	PROPN
emaj-264	167	6	statistical	statistical	ADJ
emaj-264	167	7	bulletin	bulletin	NOUN
emaj-264	167	8	for	for	ADP
emaj-264	167	9	the	the	DET
emaj-264	167	10	period	period	NOUN
emaj-264	167	11	selected	select	VERB
emaj-264	167	12	for	for	ADP
emaj-264	167	13	evaluation	evaluation	NOUN
emaj-264	167	14	.	.	PUNCT
emaj-264	168	1	based	base	VERB
emaj-264	168	2	on	on	ADP
emaj-264	168	3	the	the	DET
emaj-264	168	4	findings	finding	NOUN
emaj-264	168	5	there	there	PRON
emaj-264	168	6	is	be	VERB
emaj-264	168	7	a	a	DET
emaj-264	168	8	significant	significant	ADJ
emaj-264	168	9	positive	positive	ADJ
emaj-264	168	10	relationship	relationship	NOUN
emaj-264	168	11	among	among	ADP
emaj-264	168	12	spread	spread	NOUN
emaj-264	168	13	,	,	PUNCT
emaj-264	168	14	asset	asset	NOUN
emaj-264	168	15	quality	quality	NOUN
emaj-264	168	16	,	,	PUNCT
emaj-264	168	17	management	management	NOUN
emaj-264	168	18	efficiency	efficiency	NOUN
emaj-264	168	19	and	and	CCONJ
emaj-264	168	20	bank	bank	NOUN
emaj-264	168	21	survival	survival	NOUN
emaj-264	168	22	as	as	SCONJ
emaj-264	168	23	measured	measure	VERB
emaj-264	168	24	by	by	ADP
emaj-264	168	25	capital	capital	NOUN
emaj-264	168	26	adequacy	adequacy	NOUN
emaj-264	168	27	ratio	ratio	NOUN
emaj-264	168	28	(	(	PUNCT
emaj-264	168	29	car	car	NOUN
emaj-264	168	30	)	)	PUNCT
emaj-264	168	31	.	.	PUNCT
emaj-264	169	1	the	the	DET
emaj-264	169	2	implication	implication	NOUN
emaj-264	169	3	of	of	ADP
emaj-264	169	4	this	this	DET
emaj-264	169	5	finding	finding	NOUN
emaj-264	169	6	is	be	AUX
emaj-264	169	7	that	that	SCONJ
emaj-264	169	8	the	the	DET
emaj-264	169	9	increase	increase	NOUN
emaj-264	169	10	in	in	ADP
emaj-264	169	11	spread	spread	NOUN
emaj-264	169	12	,	,	PUNCT
emaj-264	169	13	asset	asset	NOUN
emaj-264	169	14	quality	quality	NOUN
emaj-264	169	15	,	,	PUNCT
emaj-264	169	16	and	and	CCONJ
emaj-264	169	17	management	management	NOUN
emaj-264	169	18	efficiency	efficiency	NOUN
emaj-264	169	19	leads	lead	VERB
emaj-264	169	20	to	to	ADP
emaj-264	169	21	an	an	DET
emaj-264	169	22	equal	equal	ADJ
emaj-264	169	23	increase	increase	NOUN
emaj-264	169	24	in	in	ADP
emaj-264	169	25	capital	capital	NOUN
emaj-264	169	26	adequacy	adequacy	NOUN
emaj-264	169	27	ratio	ratio	NOUN
emaj-264	169	28	(	(	PUNCT
emaj-264	169	29	car	car	NOUN
emaj-264	169	30	)	)	PUNCT
emaj-264	169	31	.	.	PUNCT
emaj-264	170	1	against	against	ADP
emaj-264	170	2	this	this	DET
emaj-264	170	3	finding	finding	NOUN
emaj-264	170	4	,	,	PUNCT
emaj-264	170	5	the	the	DET
emaj-264	170	6	study	study	NOUN
emaj-264	170	7	recommends	recommend	VERB
emaj-264	170	8	that	that	SCONJ
emaj-264	170	9	banks	bank	NOUN
emaj-264	170	10	should	should	AUX
emaj-264	170	11	grow	grow	VERB
emaj-264	170	12	their	their	PRON
emaj-264	170	13	bank	bank	NOUN
emaj-264	170	14	and	and	CCONJ
emaj-264	170	15	board	board	NOUN
emaj-264	170	16	sizes	size	NOUN
emaj-264	170	17	,	,	PUNCT
emaj-264	170	18	increase	increase	VERB
emaj-264	170	19	their	their	PRON
emaj-264	170	20	asset	asset	NOUN
emaj-264	170	21	quality	quality	NOUN
emaj-264	170	22	as	as	ADV
emaj-264	170	23	well	well	ADV
emaj-264	170	24	as	as	ADP
emaj-264	170	25	improve	improve	VERB
emaj-264	170	26	on	on	ADP
emaj-264	170	27	their	their	PRON
emaj-264	170	28	management	management	NOUN
emaj-264	170	29	efficiency	efficiency	NOUN
emaj-264	170	30	in	in	ADP
emaj-264	170	31	other	other	ADJ
emaj-264	170	32	to	to	PART
emaj-264	170	33	enhance	enhance	VERB
emaj-264	170	34	their	their	PRON
emaj-264	170	35	survival	survival	NOUN
emaj-264	170	36	through	through	ADP
emaj-264	170	37	increasing	increase	VERB
emaj-264	170	38	the	the	DET
emaj-264	170	39	capital	capital	NOUN
emaj-264	170	40	adequacy	adequacy	NOUN
emaj-264	170	41	.	.	PUNCT
emaj-264	171	1	references	reference	NOUN
emaj-264	171	2	abdulateef	abdulateef	VERB
emaj-264	171	3	,	,	PUNCT
emaj-264	171	4	y.	y.	PROPN
emaj-264	171	5	,	,	PUNCT
emaj-264	171	6	oyindamola	oyindamola	PROPN
emaj-264	171	7	,	,	PUNCT
emaj-264	171	8	o.	o.	PROPN
emaj-264	171	9	&	&	CCONJ
emaj-264	171	10	teryima	teryima	PROPN
emaj-264	171	11	s.	s.	PROPN
emaj-264	171	12	(	(	PUNCT
emaj-264	171	13	2019	2019	NUM
emaj-264	171	14	)	)	PUNCT
emaj-264	171	15	.	.	PUNCT
emaj-264	172	1	the	the	DET
emaj-264	172	2	determinants	determinant	NOUN
emaj-264	172	3	of	of	ADP
emaj-264	172	4	survival	survival	NOUN
emaj-264	172	5	of	of	ADP
emaj-264	172	6	listed	list	VERB
emaj-264	172	7	deposit	deposit	NOUN
emaj-264	172	8	money	money	NOUN
emaj-264	172	9	banks	bank	NOUN
emaj-264	172	10	in	in	ADP
emaj-264	172	11	nigeria	nigeria	PROPN
emaj-264	172	12	.	.	PUNCT
emaj-264	173	1	ndic	ndic	ADJ
emaj-264	173	2	quarterly	quarterly	PROPN
emaj-264	173	3	,	,	PUNCT
emaj-264	173	4	34(12	34(12	NUM
emaj-264	173	5	)	)	PUNCT
emaj-264	173	6	.	.	PUNCT
emaj-264	174	1	abusharba	abusharba	PROPN
emaj-264	174	2	,	,	PUNCT
emaj-264	174	3	m.	m.	NOUN
emaj-264	174	4	,	,	PUNCT
emaj-264	174	5	triyuwono	triyuwono	PROPN
emaj-264	174	6	,	,	PUNCT
emaj-264	174	7	i.	i.	PROPN
emaj-264	174	8	,	,	PUNCT
emaj-264	174	9	ismail	ismail	PROPN
emaj-264	174	10	,	,	PUNCT
emaj-264	174	11	m.	m.	NOUN
emaj-264	174	12	,	,	PUNCT
emaj-264	174	13	&	&	CCONJ
emaj-264	174	14	rahman	rahman	PROPN
emaj-264	174	15	,	,	PUNCT
emaj-264	174	16	a.	a.	NOUN
emaj-264	174	17	(	(	PUNCT
emaj-264	174	18	2013	2013	NUM
emaj-264	174	19	)	)	PUNCT
emaj-264	174	20	.	.	PUNCT
emaj-264	175	1	determinants	determinant	NOUN
emaj-264	175	2	of	of	ADP
emaj-264	175	3	capital	capital	NOUN
emaj-264	175	4	adequacy	adequacy	NOUN
emaj-264	175	5	ratio	ratio	NOUN
emaj-264	175	6	(	(	PUNCT
emaj-264	175	7	car	car	NOUN
emaj-264	175	8	)	)	PUNCT
emaj-264	175	9	in	in	ADP
emaj-264	175	10	indonesian	indonesian	ADJ
emaj-264	175	11	islamic	islamic	ADJ
emaj-264	175	12	commercial	commercial	ADJ
emaj-264	175	13	banks	bank	NOUN
emaj-264	175	14	.	.	PUNCT
emaj-264	176	1	global	global	ADJ
emaj-264	176	2	review	review	NOUN
emaj-264	176	3	of	of	ADP
emaj-264	176	4	accounting	accounting	NOUN
emaj-264	176	5	and	and	CCONJ
emaj-264	176	6	finance	finance	NOUN
emaj-264	176	7	,	,	PUNCT
emaj-264	176	8	4(1	4(1	NOUN
emaj-264	176	9	)	)	PUNCT
emaj-264	176	10	,	,	PUNCT
emaj-264	176	11	139	139	NUM
emaj-264	176	12	-	-	SYM
emaj-264	176	13	170	170	NUM
emaj-264	176	14	.	.	PUNCT
emaj-264	177	1	ajayi	ajayi	PROPN
emaj-264	177	2	,	,	PUNCT
emaj-264	177	3	s.	s.	PROPN
emaj-264	177	4	,	,	PUNCT
emaj-264	177	5	ajayi	ajayi	PROPN
emaj-264	177	6	,	,	PUNCT
emaj-264	177	7	h.	h.	PROPN
emaj-264	177	8	,	,	PUNCT
emaj-264	177	9	enimola	enimola	PROPN
emaj-264	177	10	,	,	PUNCT
emaj-264	177	11	d.	d.	PROPN
emaj-264	177	12	&	&	CCONJ
emaj-264	177	13	orugun	orugun	PROPN
emaj-264	177	14	,	,	PUNCT
emaj-264	177	15	f.	f.	PROPN
emaj-264	177	16	(	(	PUNCT
emaj-264	177	17	2019	2019	NUM
emaj-264	177	18	)	)	PUNCT
emaj-264	177	19	.	.	PUNCT
emaj-264	178	1	effect	effect	NOUN
emaj-264	178	2	of	of	ADP
emaj-264	178	3	capital	capital	NOUN
emaj-264	178	4	adequacy	adequacy	NOUN
emaj-264	178	5	ratio	ratio	NOUN
emaj-264	178	6	on	on	ADP
emaj-264	178	7	profitability	profitability	NOUN
emaj-264	178	8	of	of	ADP
emaj-264	178	9	deposit	deposit	NOUN
emaj-264	178	10	money	money	NOUN
emaj-264	178	11	banks	bank	NOUN
emaj-264	178	12	.	.	PUNCT
emaj-264	179	1	a	a	DET
emaj-264	179	2	study	study	NOUN
emaj-264	179	3	of	of	ADP
emaj-264	179	4	dmb	dmb	PROPN
emaj-264	179	5	’s	’s	PART
emaj-264	179	6	with	with	ADP
emaj-264	179	7	international	international	ADJ
emaj-264	179	8	operating	operating	NOUN
emaj-264	179	9	license	license	NOUN
emaj-264	179	10	in	in	ADP
emaj-264	179	11	nigeria	nigeria	PROPN
emaj-264	179	12	.	.	PUNCT
emaj-264	180	1	research	research	NOUN
emaj-264	180	2	journal	journal	PROPN
emaj-264	180	3	of	of	ADP
emaj-264	180	4	finance	finance	NOUN
emaj-264	180	5	and	and	CCONJ
emaj-264	180	6	accounting	accounting	NOUN
emaj-264	180	7	,	,	PUNCT
emaj-264	180	8	10(10	10(10	NUM
emaj-264	180	9	)	)	PUNCT
emaj-264	180	10	,	,	PUNCT
emaj-264	180	11	84	84	NUM
emaj-264	180	12	-	-	SYM
emaj-264	180	13	91	91	NUM
emaj-264	180	14	.	.	PUNCT
emaj-264	181	1	al	al	PROPN
emaj-264	181	2	shubiri	shubiri	PROPN
emaj-264	181	3	,	,	PUNCT
emaj-264	181	4	f.	f.	PROPN
emaj-264	181	5	,	,	PUNCT
emaj-264	181	6	&	&	CCONJ
emaj-264	181	7	jamil	jamil	PROPN
emaj-264	181	8	,	,	PUNCT
emaj-264	181	9	s.	s.	PROPN
emaj-264	181	10	(	(	PUNCT
emaj-264	181	11	2017	2017	NUM
emaj-264	181	12	)	)	PUNCT
emaj-264	181	13	.	.	PUNCT
emaj-264	182	1	assessing	assess	VERB
emaj-264	182	2	the	the	DET
emaj-264	182	3	determinants	determinant	NOUN
emaj-264	182	4	of	of	ADP
emaj-264	182	5	interest	interest	NOUN
emaj-264	182	6	rate	rate	NOUN
emaj-264	182	7	spread	spread	NOUN
emaj-264	182	8	of	of	ADP
emaj-264	182	9	commercial	commercial	ADJ
emaj-264	182	10	banks	bank	NOUN
emaj-264	182	11	in	in	ADP
emaj-264	182	12	oman	oman	PROPN
emaj-264	182	13	:	:	PUNCT
emaj-264	182	14	an	an	DET
emaj-264	182	15	empirical	empirical	ADJ
emaj-264	182	16	investigation	investigation	NOUN
emaj-264	182	17	.	.	PUNCT
emaj-264	183	1	european	european	ADJ
emaj-264	183	2	research	research	PROPN
emaj-264	183	3	studies	study	NOUN
emaj-264	183	4	,	,	PUNCT
emaj-264	183	5	20(2	20(2	NUM
emaj-264	183	6	)	)	PUNCT
emaj-264	183	7	,	,	PUNCT
emaj-264	183	8	90	90	NUM
emaj-264	183	9	-	-	SYM
emaj-264	183	10	108	108	NUM
emaj-264	183	11	.	.	PUNCT
emaj-264	184	1	alajmi	alajmi	PROPN
emaj-264	184	2	,	,	PUNCT
emaj-264	184	3	m.	m.	NOUN
emaj-264	184	4	,	,	PUNCT
emaj-264	184	5	&	&	CCONJ
emaj-264	184	6	alqasem	alqasem	PROPN
emaj-264	184	7	,	,	PUNCT
emaj-264	184	8	k.	k.	PROPN
emaj-264	184	9	(	(	PUNCT
emaj-264	184	10	2015	2015	NUM
emaj-264	184	11	)	)	PUNCT
emaj-264	184	12	.	.	PUNCT
emaj-264	185	1	determinants	determinant	NOUN
emaj-264	185	2	of	of	ADP
emaj-264	185	3	capital	capital	NOUN
emaj-264	185	4	adequacy	adequacy	NOUN
emaj-264	185	5	ratio	ratio	NOUN
emaj-264	185	6	in	in	ADP
emaj-264	185	7	kuwaiti	kuwaiti	PROPN
emaj-264	185	8	banks	banks	PROPN
emaj-264	185	9	.	.	PUNCT
emaj-264	186	1	journal	journal	PROPN
emaj-264	186	2	of	of	ADP
emaj-264	186	3	governance	governance	NOUN
emaj-264	186	4	and	and	CCONJ
emaj-264	186	5	regulation	regulation	NOUN
emaj-264	186	6	,	,	PUNCT
emaj-264	186	7	4(4	4(4	NUM
emaj-264	186	8	)	)	PUNCT
emaj-264	186	9	,	,	PUNCT
emaj-264	186	10	315	315	NUM
emaj-264	186	11	-	-	SYM
emaj-264	186	12	322	322	NUM
emaj-264	186	13	.	.	PUNCT
emaj-264	187	1	arezoo	arezoo	PROPN
emaj-264	187	2	,	,	PUNCT
emaj-264	187	3	g.	g.	PROPN
emaj-264	187	4	,	,	PUNCT
emaj-264	187	5	&	&	CCONJ
emaj-264	187	6	malihe	malihe	PROPN
emaj-264	187	7	,	,	PUNCT
emaj-264	187	8	r.	r.	PROPN
emaj-264	187	9	(	(	PUNCT
emaj-264	187	10	2015	2015	NUM
emaj-264	187	11	)	)	PUNCT
emaj-264	187	12	.	.	PUNCT
emaj-264	188	1	determinants	determinant	NOUN
emaj-264	188	2	of	of	ADP
emaj-264	188	3	interest	interest	NOUN
emaj-264	188	4	rate	rate	NOUN
emaj-264	188	5	spread	spread	VERB
emaj-264	188	6	in	in	ADP
emaj-264	188	7	banking	banking	NOUN
emaj-264	188	8	industry	industry	NOUN
emaj-264	188	9	.	.	PUNCT
emaj-264	189	1	international	international	ADJ
emaj-264	189	2	journal	journal	PROPN
emaj-264	189	3	of	of	ADP
emaj-264	189	4	applied	apply	VERB
emaj-264	189	5	research	research	NOUN
emaj-264	189	6	,	,	PUNCT
emaj-264	189	7	1(9	1(9	NUM
emaj-264	189	8	)	)	PUNCT
emaj-264	189	9	,	,	PUNCT
emaj-264	189	10	338	338	NUM
emaj-264	189	11	-	-	SYM
emaj-264	189	12	346	346	NUM
emaj-264	189	13	.	.	PUNCT
emaj-264	190	1	aruwa	aruwa	PROPN
emaj-264	190	2	,	,	PUNCT
emaj-264	190	3	s.	s.	PROPN
emaj-264	190	4	a.	a.	PROPN
emaj-264	190	5	s.	s.	PROPN
emaj-264	190	6	,	,	PUNCT
emaj-264	190	7	&	&	CCONJ
emaj-264	190	8	naburgi	naburgi	PROPN
emaj-264	190	9	,	,	PUNCT
emaj-264	190	10	m.	m.	NOUN
emaj-264	190	11	m.	m.	NOUN
emaj-264	190	12	(	(	PUNCT
emaj-264	190	13	2014	2014	NUM
emaj-264	190	14	)	)	PUNCT
emaj-264	190	15	.	.	PUNCT
emaj-264	191	1	impact	impact	NOUN
emaj-264	191	2	of	of	ADP
emaj-264	191	3	capital	capital	NOUN
emaj-264	191	4	adequacy	adequacy	NOUN
emaj-264	191	5	on	on	ADP
emaj-264	191	6	the	the	DET
emaj-264	191	7	financial	financial	ADJ
emaj-264	191	8	performance	performance	NOUN
emaj-264	191	9	of	of	ADP
emaj-264	191	10	quoted	quote	VERB
emaj-264	191	11	deposit	deposit	NOUN
emaj-264	191	12	money	money	NOUN
emaj-264	191	13	banks	bank	NOUN
emaj-264	191	14	in	in	ADP
emaj-264	191	15	nigeria	nigeria	PROPN
emaj-264	191	16	.	.	PUNCT
emaj-264	192	1	4th	4th	ADJ
emaj-264	192	2	international	international	ADJ
emaj-264	192	3	conference	conference	NOUN
emaj-264	192	4	of	of	ADP
emaj-264	192	5	faculty	faculty	NOUN
emaj-264	192	6	of	of	ADP
emaj-264	192	7	administration	administration	NOUN
emaj-264	192	8	,	,	PUNCT
emaj-264	192	9	nasarawa	nasarawa	PROPN
emaj-264	192	10	state	state	PROPN
emaj-264	192	11	university	university	PROPN
emaj-264	192	12	,	,	PUNCT
emaj-264	192	13	keffi	keffi	PROPN
emaj-264	192	14	,	,	PUNCT
emaj-264	192	15	nasarawa	nasarawa	PROPN
emaj-264	192	16	state	state	PROPN
emaj-264	192	17	,	,	PUNCT
emaj-264	192	18	nigeria	nigeria	PROPN
emaj-264	192	19	,	,	PUNCT
emaj-264	192	20	at	at	ADP
emaj-264	192	21	nasarawa	nasarawa	PROPN
emaj-264	192	22	state	state	PROPN
emaj-264	192	23	,	,	PUNCT
emaj-264	192	24	nigeria	nigeria	PROPN
emaj-264	192	25	.	.	PUNCT
emaj-264	193	1	bank	bank	PROPN
emaj-264	193	2	of	of	ADP
emaj-264	193	3	tanzania	tanzania	PROPN
emaj-264	193	4	.	.	PUNCT
emaj-264	194	1	(	(	PUNCT
emaj-264	194	2	2011	2011	NUM
emaj-264	194	3	)	)	PUNCT
emaj-264	194	4	.	.	PUNCT
emaj-264	195	1	risk	risk	NOUN
emaj-264	195	2	based	base	VERB
emaj-264	195	3	financial	financial	ADJ
emaj-264	195	4	institution	institution	NOUN
emaj-264	195	5	framework	framework	NOUN
emaj-264	195	6	.	.	PUNCT
emaj-264	196	1	retrieved	retrieve	VERB
emaj-264	196	2	from	from	ADP
emaj-264	196	3	www.bot.co.tz	www.bot.co.tz	PROPN
emaj-264	196	4	.	.	PUNCT
emaj-264	197	1	bateni	bateni	PROPN
emaj-264	197	2	,	,	PUNCT
emaj-264	197	3	l.	l.	PROPN
emaj-264	197	4	,	,	PUNCT
emaj-264	197	5	vakilifard	vakilifard	PROPN
emaj-264	197	6	,	,	PUNCT
emaj-264	197	7	h.	h.	PROPN
emaj-264	197	8	,	,	PUNCT
emaj-264	197	9	&	&	CCONJ
emaj-264	197	10	asghari	asghari	PROPN
emaj-264	197	11	,	,	PUNCT
emaj-264	197	12	f.	f.	PROPN
emaj-264	197	13	,	,	PUNCT
emaj-264	197	14	(	(	PUNCT
emaj-264	197	15	2014	2014	NUM
emaj-264	197	16	)	)	PUNCT
emaj-264	197	17	.	.	PUNCT
emaj-264	198	1	the	the	DET
emaj-264	198	2	influential	influential	ADJ
emaj-264	198	3	factors	factor	NOUN
emaj-264	198	4	on	on	ADP
emaj-264	198	5	capital	capital	NOUN
emaj-264	198	6	adequacy	adequacy	NOUN
emaj-264	198	7	ratio	ratio	NOUN
emaj-264	198	8	in	in	ADP
emaj-264	198	9	iranian	iranian	ADJ
emaj-264	198	10	banks	bank	NOUN
emaj-264	198	11	”	"	PUNCT
emaj-264	198	12	.	.	PUNCT
emaj-264	199	1	international	international	ADJ
emaj-264	199	2	journal	journal	PROPN
emaj-264	199	3	of	of	ADP
emaj-264	199	4	economics	economic	NOUN
emaj-264	199	5	and	and	CCONJ
emaj-264	199	6	finance	finance	NOUN
emaj-264	199	7	,	,	PUNCT
emaj-264	199	8	6(11	6(11	NUM
emaj-264	199	9	)	)	PUNCT
emaj-264	199	10	,	,	PUNCT
emaj-264	199	11	108	108	NUM
emaj-264	199	12	-	-	SYM
emaj-264	199	13	116	116	NUM
emaj-264	199	14	bibi	bibi	NOUN
emaj-264	199	15	,	,	PUNCT
emaj-264	199	16	s.	s.	PROPN
emaj-264	199	17	,	,	PUNCT
emaj-264	199	18	&	&	CCONJ
emaj-264	199	19	mazhar	mazhar	PROPN
emaj-264	199	20	,	,	PUNCT
emaj-264	199	21	f.	f.	PROPN
emaj-264	199	22	(	(	PUNCT
emaj-264	199	23	2019	2019	NUM
emaj-264	199	24	)	)	PUNCT
emaj-264	199	25	.	.	PUNCT
emaj-264	200	1	determinants	determinant	NOUN
emaj-264	200	2	of	of	ADP
emaj-264	200	3	bank	bank	NOUN
emaj-264	200	4	's	's	PART
emaj-264	200	5	profitability	profitability	NOUN
emaj-264	200	6	&	&	CCONJ
emaj-264	200	7	liquidity	liquidity	NOUN
emaj-264	200	8	and	and	CCONJ
emaj-264	200	9	the	the	DET
emaj-264	200	10	role	role	NOUN
emaj-264	200	11	of	of	ADP
emaj-264	200	12	basel	basel	PROPN
emaj-264	200	13	iii	iii	PROPN
emaj-264	200	14	in	in	ADP
emaj-264	200	15	islamic	islamic	PROPN
emaj-264	200	16	&	&	CCONJ
emaj-264	200	17	conventional	conventional	ADJ
emaj-264	200	18	banking	banking	NOUN
emaj-264	200	19	sector	sector	NOUN
emaj-264	200	20	of	of	ADP
emaj-264	200	21	pakistan	pakistan	PROPN
emaj-264	200	22	:	:	PUNCT
emaj-264	200	23	a	a	DET
emaj-264	200	24	case	case	NOUN
emaj-264	200	25	study	study	NOUN
emaj-264	200	26	of	of	ADP
emaj-264	200	27	nbp	nbp	PROPN
emaj-264	200	28	.	.	PUNCT
emaj-264	201	1	the	the	DET
emaj-264	201	2	economics	economic	NOUN
emaj-264	201	3	and	and	CCONJ
emaj-264	201	4	finance	finance	NOUN
emaj-264	201	5	letters	letter	NOUN
emaj-264	201	6	,	,	PUNCT
emaj-264	201	7	6(1	6(1	NUM
emaj-264	201	8	)	)	PUNCT
emaj-264	201	9	,	,	PUNCT
emaj-264	201	10	40	40	NUM
emaj-264	201	11	-	-	SYM
emaj-264	201	12	56	56	NUM
emaj-264	201	13	.	.	PUNCT
emaj-264	202	1	buyuksalvarci	buyuksalvarci	VERB
emaj-264	202	2	,	,	PUNCT
emaj-264	202	3	a.	a.	NOUN
emaj-264	202	4	,	,	PUNCT
emaj-264	202	5	&	&	CCONJ
emaj-264	202	6	abdioglu	abdioglu	PROPN
emaj-264	202	7	,	,	PUNCT
emaj-264	202	8	h.	h.	PROPN
emaj-264	202	9	(	(	PUNCT
emaj-264	202	10	2011	2011	NUM
emaj-264	202	11	)	)	PUNCT
emaj-264	202	12	.	.	PUNCT
emaj-264	203	1	determinants	determinant	NOUN
emaj-264	203	2	of	of	ADP
emaj-264	203	3	capital	capital	NOUN
emaj-264	203	4	adequacy	adequacy	NOUN
emaj-264	203	5	ratio	ratio	NOUN
emaj-264	203	6	in	in	ADP
emaj-264	203	7	turkish	turkish	ADJ
emaj-264	203	8	banks	bank	NOUN
emaj-264	203	9	:	:	PUNCT
emaj-264	203	10	a	a	DET
emaj-264	203	11	panel	panel	NOUN
emaj-264	203	12	data	data	VERB
emaj-264	203	13	analysis	analysis	NOUN
emaj-264	203	14	”	"	PUNCT
emaj-264	203	15	.	.	PUNCT
emaj-264	204	1	african	african	ADJ
emaj-264	204	2	journal	journal	PROPN
emaj-264	204	3	of	of	ADP
emaj-264	204	4	business	business	NOUN
emaj-264	204	5	management	management	NOUN
emaj-264	204	6	,	,	PUNCT
emaj-264	204	7	5(27	5(27	NUM
emaj-264	204	8	)	)	PUNCT
emaj-264	204	9	,	,	PUNCT
emaj-264	204	10	11199	11199	NUM
emaj-264	204	11	-	-	SYM
emaj-264	204	12	11209	11209	NUM
emaj-264	204	13	.	.	PUNCT
emaj-264	205	1	cefis	cefis	PROPN
emaj-264	205	2	,	,	PUNCT
emaj-264	205	3	e.	e.	PROPN
emaj-264	205	4	,	,	PUNCT
emaj-264	205	5	&	&	CCONJ
emaj-264	205	6	marsili	marsili	NOUN
emaj-264	205	7	,	,	PUNCT
emaj-264	205	8	o.	o.	PROPN
emaj-264	205	9	(	(	PUNCT
emaj-264	205	10	2012	2012	NUM
emaj-264	205	11	)	)	PUNCT
emaj-264	205	12	.	.	PUNCT
emaj-264	206	1	going	go	VERB
emaj-264	206	2	,	,	PUNCT
emaj-264	206	3	going	go	VERB
emaj-264	206	4	,	,	PUNCT
emaj-264	206	5	gone	gone	ADJ
emaj-264	206	6	.	.	PUNCT
emaj-264	207	1	exit	exit	NOUN
emaj-264	207	2	forms	form	NOUN
emaj-264	207	3	and	and	CCONJ
emaj-264	207	4	the	the	DET
emaj-264	207	5	innovative	innovative	ADJ
emaj-264	207	6	capabilities	capability	NOUN
emaj-264	207	7	of	of	ADP
emaj-264	207	8	firms	firm	NOUN
emaj-264	207	9	.	.	PUNCT
emaj-264	208	1	research	research	NOUN
emaj-264	208	2	policy	policy	NOUN
emaj-264	208	3	,	,	PUNCT
emaj-264	208	4	41	41	NUM
emaj-264	208	5	,	,	PUNCT
emaj-264	208	6	795	795	NUM
emaj-264	208	7	-	-	SYM
emaj-264	208	8	807	807	NUM
emaj-264	208	9	.	.	PUNCT
emaj-264	209	1	el	el	NOUN
emaj-264	209	2	-	-	NOUN
emaj-264	209	3	ansary	ansary	ADJ
emaj-264	209	4	,	,	PUNCT
emaj-264	209	5	o.	o.	PROPN
emaj-264	209	6	,	,	PUNCT
emaj-264	209	7	&	&	CCONJ
emaj-264	209	8	hafez	hafez	PROPN
emaj-264	209	9	,	,	PUNCT
emaj-264	209	10	h.	h.	PROPN
emaj-264	209	11	m.	m.	PROPN
emaj-264	209	12	(	(	PUNCT
emaj-264	209	13	2015	2015	NUM
emaj-264	209	14	)	)	PUNCT
emaj-264	209	15	.	.	PUNCT
emaj-264	210	1	determinants	determinant	NOUN
emaj-264	210	2	of	of	ADP
emaj-264	210	3	capital	capital	NOUN
emaj-264	210	4	adequacy	adequacy	NOUN
emaj-264	210	5	ratio	ratio	NOUN
emaj-264	210	6	:	:	PUNCT
emaj-264	210	7	an	an	DET
emaj-264	210	8	empirical	empirical	ADJ
emaj-264	210	9	study	study	NOUN
emaj-264	210	10	on	on	ADP
emaj-264	210	11	egyptian	egyptian	ADJ
emaj-264	210	12	banks	bank	NOUN
emaj-264	210	13	.	.	PUNCT
emaj-264	211	1	corporate	corporate	ADJ
emaj-264	211	2	ownership	ownership	NOUN
emaj-264	211	3	and	and	CCONJ
emaj-264	211	4	control	control	NOUN
emaj-264	211	5	,	,	PUNCT
emaj-264	211	6	13(1	13(1	NUM
emaj-264	211	7	)	)	PUNCT
emaj-264	211	8	,	,	PUNCT
emaj-264	211	9	806	806	NUM
emaj-264	211	10	-	-	SYM
emaj-264	211	11	816	816	NUM
emaj-264	211	12	.	.	PUNCT
emaj-264	212	1	faisal	faisal	PROPN
emaj-264	212	2	,	,	PUNCT
emaj-264	212	3	a.	a.	PROPN
emaj-264	212	4	,	,	PUNCT
emaj-264	212	5	shazaib	shazaib	NOUN
emaj-264	212	6	,	,	PUNCT
emaj-264	212	7	b.	b.	PROPN
emaj-264	212	8	,	,	PUNCT
emaj-264	212	9	omar	omar	PROPN
emaj-264	212	10	,	,	PUNCT
emaj-264	212	11	m.	m.	NOUN
emaj-264	212	12	,	,	PUNCT
emaj-264	212	13	&	&	CCONJ
emaj-264	212	14	kiran	kiran	PROPN
emaj-264	212	15	,	,	PUNCT
emaj-264	212	16	j.	j.	PROPN
emaj-264	212	17	(	(	PUNCT
emaj-264	212	18	2019	2019	NUM
emaj-264	212	19	)	)	PUNCT
emaj-264	212	20	.	.	PUNCT
emaj-264	213	1	the	the	DET
emaj-264	213	2	effect	effect	NOUN
emaj-264	213	3	of	of	ADP
emaj-264	213	4	bank	bank	NOUN
emaj-264	213	5	capital	capital	NOUN
emaj-264	213	6	buffer	buffer	NOUN
emaj-264	213	7	on	on	ADP
emaj-264	213	8	bank	bank	NOUN
emaj-264	213	9	risk	risk	NOUN
emaj-264	213	10	and	and	CCONJ
emaj-264	213	11	net	net	ADJ
emaj-264	213	12	interest	interest	NOUN
emaj-264	213	13	margin	margin	NOUN
emaj-264	213	14	:	:	PUNCT
emaj-264	213	15	evidence	evidence	NOUN
emaj-264	213	16	from	from	ADP
emaj-264	213	17	the	the	DET
emaj-264	213	18	us	us	PROPN
emaj-264	213	19	.	.	PUNCT
emaj-264	214	1	global	global	ADJ
emaj-264	214	2	journal	journal	PROPN
emaj-264	214	3	of	of	ADP
emaj-264	214	4	social	social	ADJ
emaj-264	214	5	sciences	science	NOUN
emaj-264	214	6	studies	study	NOUN
emaj-264	214	7	,	,	PUNCT
emaj-264	214	8	5(2	5(2	NUM
emaj-264	214	9	)	)	PUNCT
emaj-264	214	10	,	,	PUNCT
emaj-264	214	11	72	72	NUM
emaj-264	214	12	-	-	SYM
emaj-264	214	13	87	87	NUM
emaj-264	214	14	.	.	PUNCT
emaj-264	215	1	faris	faris	PROPN
emaj-264	215	2	,	,	PUNCT
emaj-264	215	3	n.	n.	NOUN
emaj-264	215	4	,	,	PUNCT
emaj-264	215	5	&	&	CCONJ
emaj-264	215	6	syed	syed	PROPN
emaj-264	215	7	,	,	PUNCT
emaj-264	215	8	a.	a.	NOUN
emaj-264	215	9	(	(	PUNCT
emaj-264	215	10	2017	2017	NUM
emaj-264	215	11	)	)	PUNCT
emaj-264	215	12	.	.	PUNCT
emaj-264	216	1	assessing	assess	VERB
emaj-264	216	2	the	the	DET
emaj-264	216	3	determinants	determinant	NOUN
emaj-264	216	4	of	of	ADP
emaj-264	216	5	interest	interest	NOUN
emaj-264	216	6	rate	rate	NOUN
emaj-264	216	7	spread	spread	NOUN
emaj-264	216	8	of	of	ADP
emaj-264	216	9	commercial	commercial	ADJ
emaj-264	216	10	banks	bank	NOUN
emaj-264	216	11	in	in	ADP
emaj-264	216	12	oman	oman	PROPN
emaj-264	216	13	:	:	PUNCT
emaj-264	216	14	an	an	DET
emaj-264	216	15	empirical	empirical	ADJ
emaj-264	216	16	investigation	investigation	NOUN
emaj-264	216	17	.	.	PUNCT
emaj-264	217	1	european	european	ADJ
emaj-264	217	2	research	research	PROPN
emaj-264	217	3	studies	studies	PROPN
emaj-264	217	4	journal	journal	NOUN
emaj-264	217	5	,	,	PUNCT
emaj-264	217	6	20(2	20(2	NUM
emaj-264	217	7	)	)	PUNCT
emaj-264	217	8	,	,	PUNCT
emaj-264	217	9	90	90	NUM
emaj-264	217	10	-	-	SYM
emaj-264	217	11	108	108	NUM
emaj-264	217	12	.	.	PUNCT
emaj-264	218	1	feyenigor	feyenigor	VERB
emaj-264	218	2	,	,	PUNCT
emaj-264	218	3	e.	e.	PROPN
emaj-264	218	4	,	,	PUNCT
emaj-264	218	5	&	&	CCONJ
emaj-264	218	6	huertas	huertas	PROPN
emaj-264	218	7	,	,	PUNCT
emaj-264	218	8	z.	z.	PROPN
emaj-264	218	9	(	(	PUNCT
emaj-264	218	10	2020	2020	NUM
emaj-264	218	11	)	)	PUNCT
emaj-264	218	12	.	.	PUNCT
emaj-264	219	1	bank	bank	NOUN
emaj-264	219	2	lending	lending	NOUN
emaj-264	219	3	rates	rate	NOUN
emaj-264	219	4	and	and	CCONJ
emaj-264	219	5	spreads	spread	VERB
emaj-264	219	6	in	in	ADP
emaj-264	219	7	emdes	emde	NOUN
emaj-264	219	8	:	:	PUNCT
emaj-264	219	9	evolution	evolution	NOUN
emaj-264	219	10	,	,	PUNCT
emaj-264	219	11	drivers	driver	NOUN
emaj-264	219	12	,	,	PUNCT
emaj-264	219	13	and	and	CCONJ
emaj-264	219	14	policies	policy	NOUN
emaj-264	219	15	.	.	PUNCT
emaj-264	220	1	world	world	PROPN
emaj-264	220	2	bank	bank	PROPN
emaj-264	220	3	group	group	NOUN
emaj-264	220	4	:	:	PUNCT
emaj-264	220	5	policy	policy	NOUN
emaj-264	220	6	research	research	NOUN
emaj-264	220	7	working	working	NOUN
emaj-264	220	8	paper	paper	NOUN
emaj-264	220	9	,	,	PUNCT
emaj-264	220	10	9392	9392	NUM
emaj-264	220	11	,	,	PUNCT
emaj-264	220	12	10	10	NUM
emaj-264	220	13	.	.	PUNCT
emaj-264	221	1	kristijan	kristijan	PROPN
emaj-264	221	2	,	,	PUNCT
emaj-264	221	3	r.	r.	PROPN
emaj-264	221	4	,	,	PUNCT
emaj-264	221	5	&	&	CCONJ
emaj-264	221	6	mirjana	mirjana	PROPN
emaj-264	221	7	,	,	PUNCT
emaj-264	221	8	j.	j.	PROPN
emaj-264	221	9	(	(	PUNCT
emaj-264	221	10	2020	2020	NUM
emaj-264	221	11	)	)	PUNCT
emaj-264	221	12	.	.	PUNCT
emaj-264	222	1	analysis	analysis	NOUN
emaj-264	222	2	of	of	ADP
emaj-264	222	3	nonperforming	nonperforme	VERB
emaj-264	222	4	loans	loan	NOUN
emaj-264	222	5	’	'	PUNCT
emaj-264	222	6	determinants	determinant	NOUN
emaj-264	222	7	in	in	ADP
emaj-264	222	8	the	the	DET
emaj-264	222	9	banking	banking	NOUN
emaj-264	222	10	sector	sector	NOUN
emaj-264	222	11	of	of	ADP
emaj-264	222	12	the	the	DET
emaj-264	222	13	republic	republic	NOUN
emaj-264	222	14	of	of	ADP
emaj-264	222	15	serbia	serbia	PROPN
emaj-264	222	16	.	.	PUNCT
emaj-264	223	1	economic	economic	ADJ
emaj-264	223	2	themes	theme	NOUN
emaj-264	223	3	,	,	PUNCT
emaj-264	223	4	59(1	59(1	NUM
emaj-264	223	5	)	)	PUNCT
emaj-264	223	6	,	,	PUNCT
emaj-264	223	7	133	133	NUM
emaj-264	223	8	-	-	SYM
emaj-264	223	9	151	151	NUM
emaj-264	223	10	.	.	PUNCT
emaj-264	224	1	kocenda	kocenda	PROPN
emaj-264	224	2	,	,	PUNCT
emaj-264	224	3	e.	e.	PROPN
emaj-264	224	4	,	,	PUNCT
emaj-264	224	5	&	&	CCONJ
emaj-264	224	6	iwasaki	iwasaki	PROPN
emaj-264	224	7	,	,	PUNCT
emaj-264	224	8	i.	i.	PROPN
emaj-264	224	9	(	(	PUNCT
emaj-264	224	10	2021	2021	NUM
emaj-264	224	11	)	)	PUNCT
emaj-264	224	12	.	.	PUNCT
emaj-264	225	1	bank	bank	NOUN
emaj-264	225	2	survival	survival	NOUN
emaj-264	225	3	around	around	ADP
emaj-264	225	4	the	the	DET
emaj-264	225	5	world	world	NOUN
emaj-264	225	6	:	:	PUNCT
emaj-264	225	7	a	a	DET
emaj-264	225	8	meta‐analytic	meta‐analytic	ADJ
emaj-264	225	9	review	review	NOUN
emaj-264	225	10	.	.	PUNCT
emaj-264	226	1	center	center	NOUN
emaj-264	226	2	for	for	ADP
emaj-264	226	3	economic	economic	ADJ
emaj-264	226	4	institutions	institution	NOUN
emaj-264	226	5	:	:	PUNCT
emaj-264	226	6	cei	cei	NOUN
emaj-264	226	7	working	working	NOUN
emaj-264	226	8	paper	paper	PROPN
emaj-264	226	9	series	series	PROPN
emaj-264	226	10	no	no	PROPN
emaj-264	226	11	.	.	PUNCT
emaj-264	226	12	2021‐2	2021‐2	NUM
emaj-264	226	13	.	.	PUNCT
emaj-264	227	1	http://www.bot.co.tz/	http://www.bot.co.tz/	NOUN
emaj-264	227	2	volume	volume	NOUN
emaj-264	227	3	12	12	NUM
emaj-264	227	4	no	no	DET
emaj-264	227	5	2	2	NUM
emaj-264	227	6	(	(	PUNCT
emaj-264	227	7	2022	2022	NUM
emaj-264	227	8	)	)	PUNCT
emaj-264	227	9	|	|	ADV
emaj-264	227	10	issn	issn	VERB
emaj-264	227	11	2158	2158	NUM
emaj-264	227	12	-	-	SYM
emaj-264	227	13	8708	8708	NUM
emaj-264	227	14	(	(	PUNCT
emaj-264	227	15	online	online	NOUN
emaj-264	227	16	)	)	PUNCT
emaj-264	227	17	|	|	ADV
emaj-264	227	18	doi	doi	X
emaj-264	227	19	10.5195	10.5195	NUM
emaj-264	227	20	/	/	SYM
emaj-264	227	21	emaj.2022.264	emaj.2022.264	PROPN
emaj-264	227	22	|	|	ADV
emaj-264	227	23	http://emaj.pitt.edu	http://emaj.pitt.edu	NOUN
emaj-264	227	24	segun	segun	VERB
emaj-264	227	25	kamoru	kamoru	PROPN
emaj-264	227	26	fakunmoju	fakunmoju	PROPN
emaj-264	227	27	,	,	PUNCT
emaj-264	227	28	babatunde	babatunde	NOUN
emaj-264	227	29	jinadu	jinadu	ADV
emaj-264	227	30	,	,	PUNCT
emaj-264	227	31	alexander	alexander	PROPN
emaj-264	227	32	a.	a.	PROPN
emaj-264	227	33	akindele	akindele	PROPN
emaj-264	227	34	emerging	emerge	VERB
emaj-264	227	35	markets	market	NOUN
emaj-264	227	36	journal	journal	NOUN
emaj-264	228	1	|	|	ADV
emaj-264	228	2	p	p	NOUN
emaj-264	228	3	a	a	DET
emaj-264	228	4	g	g	NOUN
emaj-264	228	5	e	e	NOUN
emaj-264	228	6	2	2	NUM
emaj-264	228	7	5	5	NUM
emaj-264	228	8	mbachu	mbachu	PROPN
emaj-264	228	9	,	,	PUNCT
emaj-264	228	10	d.	d.	PROPN
emaj-264	228	11	(	(	PUNCT
emaj-264	228	12	2022	2022	NUM
emaj-264	228	13	)	)	PUNCT
emaj-264	228	14	.	.	PUNCT
emaj-264	229	1	nigerian	nigerian	ADJ
emaj-264	229	2	banks	bank	NOUN
emaj-264	229	3	face	face	VERB
emaj-264	229	4	survival	survival	NOUN
emaj-264	229	5	of	of	ADP
emaj-264	229	6	the	the	DET
emaj-264	229	7	fittest	fit	ADJ
emaj-264	229	8	in	in	ADP
emaj-264	229	9	fintech	fintech	NOUN
emaj-264	229	10	era	era	NOUN
emaj-264	229	11	.	.	PUNCT
emaj-264	230	1	https://african.business/2022/04/technologyinformation/nigerian-banks-face-survival-ofthe-fittest-in-fintech-era/	https://african.business/2022/04/technologyinformation/nigerian-banks-face-survival-ofthe-fittest-in-fintech-era/	PROPN
emaj-264	230	2	mcshane	mcshane	PROPN
emaj-264	230	3	,	,	PUNCT
emaj-264	230	4	r.	r.	PROPN
emaj-264	230	5	,	,	PUNCT
emaj-264	230	6	&	&	CCONJ
emaj-264	230	7	sharpe	sharpe	PROPN
emaj-264	230	8	,	,	PUNCT
emaj-264	230	9	i.	i.	PROPN
emaj-264	230	10	g.	g.	PROPN
emaj-264	230	11	(	(	PUNCT
emaj-264	230	12	1985	1985	NUM
emaj-264	230	13	)	)	PUNCT
emaj-264	230	14	.	.	PUNCT
emaj-264	231	1	a	a	DET
emaj-264	231	2	time	time	NOUN
emaj-264	231	3	series	series	PROPN
emaj-264	231	4	/	/	SYM
emaj-264	231	5	cross	cross	PROPN
emaj-264	231	6	section	section	NOUN
emaj-264	231	7	analysis	analysis	NOUN
emaj-264	231	8	of	of	ADP
emaj-264	231	9	the	the	DET
emaj-264	231	10	determinants	determinant	NOUN
emaj-264	231	11	of	of	ADP
emaj-264	231	12	australian	australian	ADJ
emaj-264	231	13	trading	trading	NOUN
emaj-264	231	14	bank	bank	NOUN
emaj-264	231	15	loan	loan	NOUN
emaj-264	231	16	/	/	SYM
emaj-264	231	17	deposit	deposit	NOUN
emaj-264	231	18	interest	interest	NOUN
emaj-264	231	19	margins	margin	NOUN
emaj-264	231	20	:	:	PUNCT
emaj-264	231	21	1962–1981	1962–1981	NUM
emaj-264	231	22	.	.	PUNCT
emaj-264	231	23	journal	journal	PROPN
emaj-264	231	24	of	of	ADP
emaj-264	231	25	banking	banking	NOUN
emaj-264	231	26	&	&	CCONJ
emaj-264	231	27	finance	finance	NOUN
emaj-264	231	28	,	,	PUNCT
emaj-264	231	29	9(1	9(1	NUM
emaj-264	231	30	)	)	PUNCT
emaj-264	231	31	,	,	PUNCT
emaj-264	231	32	115	115	NUM
emaj-264	231	33	-	-	SYM
emaj-264	231	34	36	36	NUM
emaj-264	231	35	.	.	PUNCT
emaj-264	232	1	mekonnen	mekonnen	NOUN
emaj-264	232	2	,	,	PUNCT
emaj-264	232	3	y.	y.	PROPN
emaj-264	232	4	,	,	PUNCT
emaj-264	232	5	(	(	PUNCT
emaj-264	232	6	2015	2015	NUM
emaj-264	232	7	)	)	PUNCT
emaj-264	232	8	.	.	PUNCT
emaj-264	233	1	determinants	determinant	NOUN
emaj-264	233	2	of	of	ADP
emaj-264	233	3	capital	capital	NOUN
emaj-264	233	4	adequacy	adequacy	NOUN
emaj-264	233	5	of	of	ADP
emaj-264	233	6	ethiopia	ethiopia	PROPN
emaj-264	233	7	commercial	commercial	ADJ
emaj-264	233	8	banks	bank	NOUN
emaj-264	233	9	.	.	PUNCT
emaj-264	234	1	european	european	ADJ
emaj-264	234	2	scientific	scientific	ADJ
emaj-264	234	3	journal	journal	NOUN
emaj-264	234	4	,	,	PUNCT
emaj-264	234	5	11(25	11(25	NUM
emaj-264	234	6	)	)	PUNCT
emaj-264	234	7	,	,	PUNCT
emaj-264	234	8	315	315	NUM
emaj-264	234	9	-	-	SYM
emaj-264	234	10	326	326	NUM
emaj-264	234	11	.	.	PUNCT
emaj-264	235	1	moeidh	moeidh	NOUN
emaj-264	235	2	,	,	PUNCT
emaj-264	235	3	a.	a.	PROPN
emaj-264	235	4	,	,	PUNCT
emaj-264	235	5	&	&	CCONJ
emaj-264	235	6	khalid	khalid	PROPN
emaj-264	235	7	,	,	PUNCT
emaj-264	235	8	a.	a.	NOUN
emaj-264	235	9	(	(	PUNCT
emaj-264	235	10	2015	2015	NUM
emaj-264	235	11	)	)	PUNCT
emaj-264	235	12	.	.	PUNCT
emaj-264	236	1	determinants	determinant	NOUN
emaj-264	236	2	of	of	ADP
emaj-264	236	3	capital	capital	NOUN
emaj-264	236	4	adequacy	adequacy	NOUN
emaj-264	236	5	ratio	ratio	NOUN
emaj-264	236	6	in	in	ADP
emaj-264	236	7	kuwaiti	kuwaiti	PROPN
emaj-264	236	8	banks	banks	PROPN
emaj-264	236	9	.	.	PUNCT
emaj-264	237	1	journal	journal	PROPN
emaj-264	237	2	of	of	ADP
emaj-264	237	3	governance	governance	NOUN
emaj-264	237	4	and	and	CCONJ
emaj-264	237	5	regulation	regulation	NOUN
emaj-264	237	6	,	,	PUNCT
emaj-264	237	7	4(4	4(4	NUM
emaj-264	237	8	)	)	PUNCT
emaj-264	237	9	,	,	PUNCT
emaj-264	237	10	315	315	NUM
emaj-264	237	11	-	-	SYM
emaj-264	237	12	322	322	NUM
emaj-264	237	13	.	.	PUNCT
emaj-264	237	14	odibi	odibi	PROPN
emaj-264	237	15	i.	i.	PROPN
emaj-264	237	16	,	,	PUNCT
emaj-264	237	17	basit	basit	PROPN
emaj-264	237	18	,	,	PUNCT
emaj-264	237	19	a.	a.	PROPN
emaj-264	237	20	,	,	PUNCT
emaj-264	237	21	&	&	CCONJ
emaj-264	237	22	hassan	hassan	PROPN
emaj-264	237	23	z.	z.	PROPN
emaj-264	237	24	(	(	PUNCT
emaj-264	237	25	2015	2015	NUM
emaj-264	237	26	)	)	PUNCT
emaj-264	237	27	.	.	PUNCT
emaj-264	238	1	bankruptcy	bankruptcy	NOUN
emaj-264	238	2	prediction	prediction	NOUN
emaj-264	238	3	using	use	VERB
emaj-264	238	4	altman	altman	PROPN
emaj-264	238	5	z	z	PROPN
emaj-264	238	6	-	-	PUNCT
emaj-264	238	7	score	score	NOUN
emaj-264	238	8	model	model	NOUN
emaj-264	238	9	:	:	PUNCT
emaj-264	238	10	a	a	DET
emaj-264	238	11	case	case	NOUN
emaj-264	238	12	of	of	ADP
emaj-264	238	13	public	public	ADJ
emaj-264	238	14	listed	list	VERB
emaj-264	238	15	manufacturing	manufacturing	NOUN
emaj-264	238	16	companies	company	NOUN
emaj-264	238	17	in	in	ADP
emaj-264	238	18	malaysia	malaysia	PROPN
emaj-264	238	19	.	.	PUNCT
emaj-264	239	1	international	international	ADJ
emaj-264	239	2	journal	journal	PROPN
emaj-264	239	3	of	of	ADP
emaj-264	239	4	accounting	accounting	PROPN
emaj-264	239	5	&	&	CCONJ
emaj-264	239	6	business	business	PROPN
emaj-264	239	7	management	management	NOUN
emaj-264	239	8	,	,	PUNCT
emaj-264	239	9	3(2	3(2	NUM
emaj-264	239	10	)	)	PUNCT
emaj-264	239	11	,	,	PUNCT
emaj-264	239	12	178	178	NUM
emaj-264	239	13	-	-	SYM
emaj-264	239	14	185	185	NUM
emaj-264	239	15	.	.	PUNCT
emaj-264	240	1	polat	polat	NOUN
emaj-264	240	2	,	,	PUNCT
emaj-264	240	3	a.	a.	PROPN
emaj-264	240	4	,	,	PUNCT
emaj-264	240	5	&	&	CCONJ
emaj-264	240	6	al	al	PROPN
emaj-264	240	7	-	-	PUNCT
emaj-264	240	8	khalaf	khalaf	PROPN
emaj-264	240	9	,	,	PUNCT
emaj-264	240	10	h.	h.	PROPN
emaj-264	240	11	(	(	PUNCT
emaj-264	240	12	2014	2014	NUM
emaj-264	240	13	)	)	PUNCT
emaj-264	240	14	.	.	PUNCT
emaj-264	241	1	what	what	PRON
emaj-264	241	2	determines	determine	VERB
emaj-264	241	3	capital	capital	NOUN
emaj-264	241	4	adequacy	adequacy	NOUN
emaj-264	241	5	in	in	ADP
emaj-264	241	6	the	the	DET
emaj-264	241	7	banking	banking	NOUN
emaj-264	241	8	system	system	NOUN
emaj-264	241	9	of	of	ADP
emaj-264	241	10	kingdom	kingdom	NOUN
emaj-264	241	11	of	of	ADP
emaj-264	241	12	saudi	saudi	PROPN
emaj-264	241	13	arabia	arabia	PROPN
emaj-264	241	14	?	?	PUNCT
emaj-264	242	1	a	a	DET
emaj-264	242	2	panel	panel	NOUN
emaj-264	242	3	data	data	VERB
emaj-264	242	4	analysis	analysis	NOUN
emaj-264	242	5	of	of	ADP
emaj-264	242	6	tadawal	tadawal	NOUN
emaj-264	242	7	banks	bank	NOUN
emaj-264	242	8	.	.	PUNCT
emaj-264	243	1	journal	journal	NOUN
emaj-264	243	2	of	of	ADP
emaj-264	243	3	applied	apply	VERB
emaj-264	243	4	finance	finance	NOUN
emaj-264	243	5	and	and	CCONJ
emaj-264	243	6	banking	banking	NOUN
emaj-264	243	7	,	,	PUNCT
emaj-264	243	8	4(5	4(5	PROPN
emaj-264	243	9	)	)	PUNCT
emaj-264	243	10	,	,	PUNCT
emaj-264	243	11	27	27	NUM
emaj-264	243	12	-	-	SYM
emaj-264	243	13	43	43	NUM
emaj-264	243	14	.	.	PUNCT
emaj-264	244	1	shim	shim	NOUN
emaj-264	244	2	,	,	PUNCT
emaj-264	244	3	j.	j.	PROPN
emaj-264	244	4	(	(	PUNCT
emaj-264	244	5	2013	2013	NUM
emaj-264	244	6	)	)	PUNCT
emaj-264	244	7	.	.	PUNCT
emaj-264	245	1	bank	bank	NOUN
emaj-264	245	2	capital	capital	NOUN
emaj-264	245	3	buffer	buffer	NOUN
emaj-264	245	4	and	and	CCONJ
emaj-264	245	5	portfolio	portfolio	NOUN
emaj-264	245	6	risk	risk	NOUN
emaj-264	245	7	:	:	PUNCT
emaj-264	245	8	the	the	DET
emaj-264	245	9	influence	influence	NOUN
emaj-264	245	10	of	of	ADP
emaj-264	245	11	business	business	NOUN
emaj-264	245	12	cycle	cycle	NOUN
emaj-264	245	13	and	and	CCONJ
emaj-264	245	14	revenue	revenue	NOUN
emaj-264	245	15	diversification	diversification	NOUN
emaj-264	245	16	.	.	PUNCT
emaj-264	246	1	journal	journal	NOUN
emaj-264	246	2	of	of	ADP
emaj-264	246	3	banking	banking	NOUN
emaj-264	246	4	&	&	CCONJ
emaj-264	246	5	finance	finance	PROPN
emaj-264	246	6	,	,	PUNCT
emaj-264	246	7	37(3	37(3	NUM
emaj-264	246	8	)	)	PUNCT
emaj-264	246	9	,	,	PUNCT
emaj-264	246	10	761	761	NUM
emaj-264	246	11	-	-	SYM
emaj-264	246	12	772	772	NUM
emaj-264	246	13	.	.	PUNCT
emaj-264	247	1	thoa	thoa	NOUN
emaj-264	247	2	,	,	PUNCT
emaj-264	247	3	p.	p.	NOUN
emaj-264	247	4	t.	t.	PROPN
emaj-264	247	5	x.	x.	PROPN
emaj-264	247	6	,	,	PUNCT
emaj-264	247	7	&	&	CCONJ
emaj-264	247	8	anh	anh	PROPN
emaj-264	247	9	,	,	PUNCT
emaj-264	247	10	n.	n.	PROPN
emaj-264	247	11	n.	n.	PROPN
emaj-264	247	12	(	(	PUNCT
emaj-264	247	13	2017	2017	NUM
emaj-264	247	14	)	)	PUNCT
emaj-264	247	15	.	.	PUNCT
emaj-264	248	1	the	the	DET
emaj-264	248	2	determinants	determinant	NOUN
emaj-264	248	3	of	of	ADP
emaj-264	248	4	capital	capital	NOUN
emaj-264	248	5	adequacy	adequacy	NOUN
emaj-264	248	6	ratio	ratio	NOUN
emaj-264	248	7	:	:	PUNCT
emaj-264	248	8	the	the	DET
emaj-264	248	9	case	case	NOUN
emaj-264	248	10	of	of	ADP
emaj-264	248	11	the	the	DET
emaj-264	248	12	vietnamese	vietnamese	ADJ
emaj-264	248	13	banking	banking	NOUN
emaj-264	248	14	system	system	NOUN
emaj-264	248	15	in	in	ADP
emaj-264	248	16	the	the	DET
emaj-264	248	17	period	period	NOUN
emaj-264	248	18	20112015	20112015	NUM
emaj-264	248	19	.	.	PUNCT
emaj-264	249	1	vnu	vnu	PROPN
emaj-264	249	2	journal	journal	PROPN
emaj-264	249	3	of	of	ADP
emaj-264	249	4	science	science	NOUN
emaj-264	249	5	:	:	PUNCT
emaj-264	249	6	economics	economic	NOUN
emaj-264	249	7	and	and	CCONJ
emaj-264	249	8	business	business	NOUN
emaj-264	249	9	,	,	PUNCT
emaj-264	249	10	33(2	33(2	NUM
emaj-264	249	11	)	)	PUNCT
emaj-264	249	12	,	,	PUNCT
emaj-264	249	13	49	49	NUM
emaj-264	249	14	-	-	SYM
emaj-264	249	15	58	58	NUM
emaj-264	249	16	.	.	PUNCT
emaj-264	250	1	usman	usman	PROPN
emaj-264	250	2	,	,	PUNCT
emaj-264	250	3	b.	b.	PROPN
emaj-264	250	4	,	,	PUNCT
emaj-264	250	5	lestari	lestari	PROPN
emaj-264	250	6	,	,	PUNCT
emaj-264	250	7	h.	h.	PROPN
emaj-264	250	8	s.	s.	PROPN
emaj-264	250	9	,	,	PUNCT
emaj-264	250	10	&	&	CCONJ
emaj-264	250	11	puspa	puspa	ADJ
emaj-264	250	12	,	,	PUNCT
emaj-264	250	13	t.	t.	PROPN
emaj-264	250	14	(	(	PUNCT
emaj-264	250	15	2019	2019	NUM
emaj-264	250	16	)	)	PUNCT
emaj-264	250	17	.	.	PUNCT
emaj-264	251	1	determinants	determinant	NOUN
emaj-264	251	2	of	of	ADP
emaj-264	251	3	capital	capital	NOUN
emaj-264	251	4	adequacy	adequacy	NOUN
emaj-264	251	5	ratio	ratio	NOUN
emaj-264	251	6	on	on	ADP
emaj-264	251	7	banking	banking	NOUN
emaj-264	251	8	industry	industry	NOUN
emaj-264	251	9	:	:	PUNCT
emaj-264	251	10	evidence	evidence	NOUN
emaj-264	251	11	in	in	ADP
emaj-264	251	12	indonesia	indonesia	PROPN
emaj-264	251	13	stock	stock	PROPN
emaj-264	251	14	exchange	exchange	PROPN
emaj-264	251	15	.	.	PUNCT
emaj-264	252	1	jurnal	jurnal	ADJ
emaj-264	252	2	keuangan	keuangan	PROPN
emaj-264	252	3	dan	dan	PROPN
emaj-264	252	4	perbankan	perbankan	PROPN
emaj-264	252	5	,	,	PUNCT
emaj-264	252	6	23(3	23(3	NUM
emaj-264	252	7	)	)	PUNCT
emaj-264	252	8	,	,	PUNCT
emaj-264	252	9	443	443	NUM
emaj-264	252	10	-	-	SYM
emaj-264	252	11	453	453	NUM
emaj-264	252	12	.	.	PUNCT
emaj-264	253	1	washeka	washeka	NOUN
emaj-264	253	2	,	,	PUNCT
emaj-264	253	3	a.	a.	NOUN
emaj-264	253	4	(	(	PUNCT
emaj-264	253	5	2021	2021	NUM
emaj-264	253	6	)	)	PUNCT
emaj-264	253	7	.	.	PUNCT
emaj-264	254	1	an	an	DET
emaj-264	254	2	empirical	empirical	ADJ
emaj-264	254	3	study	study	NOUN
emaj-264	254	4	on	on	ADP
emaj-264	254	5	the	the	DET
emaj-264	254	6	factors	factor	NOUN
emaj-264	254	7	affecting	affect	VERB
emaj-264	254	8	the	the	DET
emaj-264	254	9	interest	interest	NOUN
emaj-264	254	10	rate	rate	NOUN
emaj-264	254	11	spread	spread	NOUN
emaj-264	254	12	of	of	ADP
emaj-264	254	13	listed	list	VERB
emaj-264	254	14	conventional	conventional	ADJ
emaj-264	254	15	commercial	commercial	ADJ
emaj-264	254	16	banks	bank	NOUN
emaj-264	254	17	of	of	ADP
emaj-264	254	18	bangladesh	bangladesh	PROPN
emaj-264	254	19	.	.	PUNCT
emaj-264	255	1	european	european	PROPN
emaj-264	255	2	journal	journal	PROPN
emaj-264	255	3	of	of	ADP
emaj-264	255	4	business	business	NOUN
emaj-264	255	5	and	and	CCONJ
emaj-264	255	6	management	management	NOUN
emaj-264	255	7	research	research	NOUN
emaj-264	255	8	,	,	PUNCT
emaj-264	255	9	6(5	6(5	NUM
emaj-264	255	10	)	)	PUNCT
emaj-264	255	11	,	,	PUNCT
emaj-264	255	12	192	192	NUM
emaj-264	255	13	-	-	SYM
emaj-264	255	14	199	199	NUM
emaj-264	255	15	.	.	PUNCT
emaj-264	256	1	williams	williams	PROPN
emaj-264	256	2	,	,	PUNCT
emaj-264	256	3	h.	h.	PROPN
emaj-264	256	4	t.	t.	PROPN
emaj-264	256	5	(	(	PUNCT
emaj-264	256	6	2011	2011	NUM
emaj-264	256	7	)	)	PUNCT
emaj-264	256	8	.	.	PUNCT
emaj-264	257	1	determinants	determinant	NOUN
emaj-264	257	2	of	of	ADP
emaj-264	257	3	capital	capital	NOUN
emaj-264	257	4	adequacy	adequacy	NOUN
emaj-264	257	5	in	in	ADP
emaj-264	257	6	banking	bank	VERB
emaj-264	257	7	sub	sub	NOUN
emaj-264	257	8	-	-	NOUN
emaj-264	257	9	sector	sector	NOUN
emaj-264	257	10	of	of	ADP
emaj-264	257	11	the	the	DET
emaj-264	257	12	nigeria	nigeria	PROPN
emaj-264	257	13	economy	economy	NOUN
emaj-264	257	14	:	:	PUNCT
emaj-264	257	15	efficiency	efficiency	NOUN
emaj-264	257	16	of	of	ADP
emaj-264	257	17	camels	camel	NOUN
emaj-264	257	18	:	:	PUNCT
emaj-264	257	19	a	a	DET
emaj-264	257	20	model	model	NOUN
emaj-264	257	21	specification	specification	NOUN
emaj-264	257	22	with	with	ADP
emaj-264	257	23	co	co	NOUN
emaj-264	257	24	-	-	NOUN
emaj-264	257	25	intergration	intergration	NOUN
emaj-264	257	26	analysis	analysis	NOUN
emaj-264	257	27	.	.	PUNCT
emaj-264	258	1	international	international	ADJ
emaj-264	258	2	journal	journal	NOUN
emaj-264	258	3	of	of	ADP
emaj-264	258	4	academic	academic	ADJ
emaj-264	258	5	research	research	NOUN
emaj-264	258	6	in	in	ADP
emaj-264	258	7	business	business	NOUN
emaj-264	258	8	and	and	CCONJ
emaj-264	258	9	social	social	ADJ
emaj-264	258	10	sciences	science	NOUN
emaj-264	258	11	,	,	PUNCT
emaj-264	258	12	1(3	1(3	NUM
emaj-264	258	13	)	)	PUNCT
emaj-264	258	14	,	,	PUNCT
emaj-264	258	15	233	233	NUM
emaj-264	258	16	-	-	SYM
emaj-264	258	17	248	248	NUM
emaj-264	258	18	.	.	PUNCT
emaj-264	259	1	yilmaz	yilmaz	PROPN
emaj-264	259	2	,	,	PUNCT
emaj-264	259	3	b.	b.	PROPN
emaj-264	259	4	(	(	PUNCT
emaj-264	259	5	2019	2019	NUM
emaj-264	259	6	)	)	PUNCT
emaj-264	259	7	.	.	PUNCT
emaj-264	260	1	macroeconomic	macroeconomic	ADJ
emaj-264	260	2	,	,	PUNCT
emaj-264	260	3	institutional	institutional	ADJ
emaj-264	260	4	and	and	CCONJ
emaj-264	260	5	bank	bank	NOUN
emaj-264	260	6	-	-	PUNCT
emaj-264	260	7	specific	specific	ADJ
emaj-264	260	8	determinants	determinant	NOUN
emaj-264	260	9	of	of	ADP
emaj-264	260	10	non	non	ADJ
emaj-264	260	11	-	-	ADJ
emaj-264	260	12	performing	performing	ADJ
emaj-264	260	13	loans	loan	NOUN
emaj-264	260	14	in	in	ADP
emaj-264	260	15	emerging	emerge	VERB
emaj-264	260	16	market	market	NOUN
emaj-264	260	17	economies	economy	NOUN
emaj-264	260	18	.	.	PUNCT
emaj-264	261	1	journal	journal	NOUN
emaj-264	261	2	of	of	ADP
emaj-264	261	3	central	central	ADJ
emaj-264	261	4	banking	banking	NOUN
emaj-264	261	5	theory	theory	NOUN
emaj-264	261	6	and	and	CCONJ
emaj-264	261	7	practice	practice	NOUN
emaj-264	261	8	,	,	PUNCT
emaj-264	261	9	3	3	NUM
emaj-264	261	10	,	,	PUNCT
emaj-264	261	11	95	95	NUM
emaj-264	261	12	-	-	SYM
emaj-264	261	13	110	110	NUM
emaj-264	261	14	.	.	PUNCT
emaj-264	262	1	zulqurnain	zulqurnain	PROPN
emaj-264	262	2	z.	z.	PROPN
emaj-264	262	3	,	,	PUNCT
emaj-264	262	4	kashif	kashif	PROPN
emaj-264	262	5	n.	n.	PROPN
emaj-264	262	6	,	,	PUNCT
emaj-264	262	7	&	&	CCONJ
emaj-264	262	8	zahid	zahid	PROPN
emaj-264	262	9	,	,	PUNCT
emaj-264	262	10	b.	b.	PROPN
emaj-264	262	11	(	(	PUNCT
emaj-264	262	12	2021	2021	NUM
emaj-264	262	13	)	)	PUNCT
emaj-264	262	14	.	.	PUNCT
emaj-264	263	1	capital	capital	NOUN
emaj-264	263	2	adequacy	adequacy	NOUN
emaj-264	263	3	and	and	CCONJ
emaj-264	263	4	management	management	NOUN
emaj-264	263	5	quality	quality	NOUN
emaj-264	263	6	for	for	ADP
emaj-264	263	7	banking	banking	NOUN
emaj-264	263	8	liquidity	liquidity	NOUN
emaj-264	263	9	management	management	NOUN
emaj-264	263	10	decision	decision	NOUN
emaj-264	263	11	in	in	ADP
emaj-264	263	12	pakistan	pakistan	PROPN
emaj-264	263	13	.	.	PUNCT
emaj-264	264	1	kasbit	kasbit	PROPN
emaj-264	264	2	business	business	PROPN
emaj-264	264	3	journal	journal	PROPN
emaj-264	264	4	,	,	PUNCT
emaj-264	264	5	13(1	13(1	NUM
emaj-264	264	6	)	)	PUNCT
emaj-264	264	7	,	,	PUNCT
emaj-264	264	8	2542	2542	NUM
emaj-264	264	9	.	.	PUNCT