id	sid	tid	token	lemma	pos
ejge-10853	1	1	the	the	DET
ejge-10853	1	2	author(s	author(s	NOUN
ejge-10853	1	3	)	)	PUNCT
ejge-10853	1	4	2024	2024	NUM
ejge-10853	1	5	.	.	PUNCT
ejge-10853	2	1	this	this	PRON
ejge-10853	2	2	is	be	AUX
ejge-10853	2	3	an	an	DET
ejge-10853	2	4	open	open	ADJ
ejge-10853	2	5	access	access	NOUN
ejge-10853	2	6	article	article	NOUN
ejge-10853	2	7	distributed	distribute	VERB
ejge-10853	2	8	under	under	ADP
ejge-10853	2	9	the	the	DET
ejge-10853	2	10	terms	term	NOUN
ejge-10853	2	11	of	of	ADP
ejge-10853	2	12	the	the	DET
ejge-10853	2	13	creative	creative	ADJ
ejge-10853	2	14	commons	common	NOUN
ejge-10853	2	15	attribution	attribution	NOUN
ejge-10853	2	16	-	-	PUNCT
ejge-10853	2	17	noncommercial	noncommercial	ADJ
ejge-10853	2	18	4.0	4.0	NUM
ejge-10853	2	19	international	international	ADJ
ejge-10853	2	20	license	license	NOUN
ejge-10853	2	21	vol	vol	NOUN
ejge-10853	2	22	.	.	PUNCT
ejge-10853	3	1	13	13	NUM
ejge-10853	3	2	,	,	PUNCT
ejge-10853	3	3	no	no	INTJ
ejge-10853	3	4	.	.	NOUN
ejge-10853	3	5	2	2	NUM
ejge-10853	3	6	(	(	PUNCT
ejge-10853	3	7	2024	2024	NUM
ejge-10853	3	8	)	)	PUNCT
ejge-10853	3	9	,	,	PUNCT
ejge-10853	3	10	pages	page	VERB
ejge-10853	3	11	120	120	NUM
ejge-10853	3	12	-	-	SYM
ejge-10853	3	13	135	135	NUM
ejge-10853	3	14	https://doi.org/10.17979/ejge.2024.13.2.10853	https://doi.org/10.17979/ejge.2024.13.2.10853	NOUN
ejge-10853	3	15	submitted	submit	VERB
ejge-10853	3	16	:	:	PUNCT
ejge-10853	3	17	may	may	AUX
ejge-10853	3	18	31	31	NUM
ejge-10853	3	19	,	,	PUNCT
ejge-10853	3	20	2024	2024	NUM
ejge-10853	3	21	accepted	accept	VERB
ejge-10853	3	22	:	:	PUNCT
ejge-10853	3	23	oct	oct	PROPN
ejge-10853	3	24	3	3	NUM
ejge-10853	3	25	,	,	PUNCT
ejge-10853	3	26	2024	2024	NUM
ejge-10853	3	27	published	publish	VERB
ejge-10853	3	28	:	:	PUNCT
ejge-10853	3	29	dec	dec	PROPN
ejge-10853	3	30	3	3	NUM
ejge-10853	3	31	,	,	PUNCT
ejge-10853	3	32	2024	2024	NUM
ejge-10853	3	33	article	article	NOUN
ejge-10853	3	34	do	do	AUX
ejge-10853	3	35	rising	rise	VERB
ejge-10853	3	36	interest	interest	NOUN
ejge-10853	3	37	rates	rate	NOUN
ejge-10853	3	38	matter	matter	VERB
ejge-10853	3	39	for	for	ADP
ejge-10853	3	40	bank	bank	NOUN
ejge-10853	3	41	profitability	profitability	NOUN
ejge-10853	3	42	?	?	PUNCT
ejge-10853	4	1	evidence	evidence	NOUN
ejge-10853	4	2	from	from	ADP
ejge-10853	4	3	portuguese	portuguese	ADJ
ejge-10853	4	4	banks	bank	NOUN
ejge-10853	4	5	clara	clara	PROPN
ejge-10853	4	6	pires,1	pires,1	PROPN
ejge-10853	4	7	carlos	carlos	PROPN
ejge-10853	4	8	borralho,1	borralho,1	PROPN
ejge-10853	4	9	,	,	PUNCT
ejge-10853	4	10	*	*	PUNCT
ejge-10853	4	11	ana	ana	PROPN
ejge-10853	4	12	cantarinha1	cantarinha1	PROPN
ejge-10853	4	13	1	1	NUM
ejge-10853	4	14	polytechnic	polytechnic	PROPN
ejge-10853	4	15	institute	institute	PROPN
ejge-10853	4	16	of	of	ADP
ejge-10853	4	17	beja	beja	PROPN
ejge-10853	4	18	&	&	CCONJ
ejge-10853	4	19	ceos.pp	ceos.pp	PROPN
ejge-10853	4	20	,	,	PUNCT
ejge-10853	4	21	portugal	portugal	PROPN
ejge-10853	4	22	*	*	PUNCT
ejge-10853	4	23	correspondence	correspondence	NOUN
ejge-10853	4	24	:	:	PUNCT
ejge-10853	4	25	cborralho@ipbeja.pt	cborralho@ipbeja.pt	NOUN
ejge-10853	4	26	abstract	abstract	NOUN
ejge-10853	4	27	.	.	PUNCT
ejge-10853	5	1	the	the	DET
ejge-10853	5	2	purpose	purpose	NOUN
ejge-10853	5	3	of	of	ADP
ejge-10853	5	4	this	this	DET
ejge-10853	5	5	paper	paper	NOUN
ejge-10853	5	6	is	be	AUX
ejge-10853	5	7	to	to	PART
ejge-10853	5	8	analyse	analyse	VERB
ejge-10853	5	9	the	the	DET
ejge-10853	5	10	profitability	profitability	NOUN
ejge-10853	5	11	determinants	determinant	NOUN
ejge-10853	5	12	of	of	ADP
ejge-10853	5	13	seventeen	seventeen	NUM
ejge-10853	5	14	banks	bank	NOUN
ejge-10853	5	15	operating	operate	VERB
ejge-10853	5	16	in	in	ADP
ejge-10853	5	17	portugal	portugal	PROPN
ejge-10853	5	18	from	from	ADP
ejge-10853	5	19	2013	2013	NUM
ejge-10853	5	20	to	to	ADP
ejge-10853	5	21	2023	2023	NUM
ejge-10853	5	22	.	.	PUNCT
ejge-10853	6	1	the	the	DET
ejge-10853	6	2	banking	banking	NOUN
ejge-10853	6	3	market	market	NOUN
ejge-10853	6	4	has	have	AUX
ejge-10853	6	5	changed	change	VERB
ejge-10853	6	6	significantly	significantly	ADV
ejge-10853	6	7	,	,	PUNCT
ejge-10853	6	8	particularly	particularly	ADV
ejge-10853	6	9	since	since	SCONJ
ejge-10853	6	10	2021	2021	NUM
ejge-10853	6	11	,	,	PUNCT
ejge-10853	6	12	when	when	SCONJ
ejge-10853	6	13	euribor	euribor	PROPN
ejge-10853	6	14	grew	grow	VERB
ejge-10853	6	15	rapidly	rapidly	ADV
ejge-10853	6	16	to	to	PART
ejge-10853	6	17	control	control	VERB
ejge-10853	6	18	inflation	inflation	NOUN
ejge-10853	6	19	target	target	NOUN
ejge-10853	6	20	.	.	PUNCT
ejge-10853	7	1	methodologically	methodologically	ADV
ejge-10853	7	2	,	,	PUNCT
ejge-10853	7	3	a	a	DET
ejge-10853	7	4	hypothetical	hypothetical	ADJ
ejge-10853	7	5	-	-	PUNCT
ejge-10853	7	6	deductive	deductive	ADJ
ejge-10853	7	7	approach	approach	NOUN
ejge-10853	7	8	was	be	AUX
ejge-10853	7	9	used	use	VERB
ejge-10853	7	10	based	base	VERB
ejge-10853	7	11	on	on	ADP
ejge-10853	7	12	panel	panel	NOUN
ejge-10853	7	13	data	datum	NOUN
ejge-10853	7	14	collected	collect	VERB
ejge-10853	7	15	from	from	ADP
ejge-10853	7	16	banks	bank	NOUN
ejge-10853	7	17	'	'	PART
ejge-10853	7	18	published	publish	VERB
ejge-10853	7	19	accounts	account	NOUN
ejge-10853	7	20	.	.	PUNCT
ejge-10853	8	1	to	to	PART
ejge-10853	8	2	generate	generate	VERB
ejge-10853	8	3	results	result	NOUN
ejge-10853	8	4	,	,	PUNCT
ejge-10853	8	5	grouped	group	VERB
ejge-10853	8	6	ordinary	ordinary	ADJ
ejge-10853	8	7	least	least	ADJ
ejge-10853	8	8	squares	square	NOUN
ejge-10853	8	9	were	be	AUX
ejge-10853	8	10	applied	apply	VERB
ejge-10853	8	11	,	,	PUNCT
ejge-10853	8	12	as	as	SCONJ
ejge-10853	8	13	the	the	DET
ejge-10853	8	14	breusch	breusch	ADJ
ejge-10853	8	15	-	-	PUNCT
ejge-10853	8	16	pagan	pagan	ADJ
ejge-10853	8	17	test	test	NOUN
ejge-10853	8	18	confirms	confirm	VERB
ejge-10853	8	19	homoscedasticity	homoscedasticity	NOUN
ejge-10853	8	20	,	,	PUNCT
ejge-10853	8	21	an	an	DET
ejge-10853	8	22	essential	essential	ADJ
ejge-10853	8	23	assumption	assumption	NOUN
ejge-10853	8	24	in	in	ADP
ejge-10853	8	25	this	this	DET
ejge-10853	8	26	regression	regression	NOUN
ejge-10853	8	27	model	model	NOUN
ejge-10853	8	28	.	.	PUNCT
ejge-10853	9	1	internal	internal	ADJ
ejge-10853	9	2	variables	variable	NOUN
ejge-10853	9	3	considered	consider	VERB
ejge-10853	9	4	include	include	VERB
ejge-10853	9	5	credit	credit	NOUN
ejge-10853	9	6	quality	quality	NOUN
ejge-10853	9	7	,	,	PUNCT
ejge-10853	9	8	capital	capital	NOUN
ejge-10853	9	9	adequacy	adequacy	NOUN
ejge-10853	9	10	,	,	PUNCT
ejge-10853	9	11	management	management	NOUN
ejge-10853	9	12	quality	quality	NOUN
ejge-10853	9	13	,	,	PUNCT
ejge-10853	9	14	financial	financial	ADJ
ejge-10853	9	15	margin	margin	NOUN
ejge-10853	9	16	,	,	PUNCT
ejge-10853	9	17	and	and	CCONJ
ejge-10853	9	18	bank	bank	NOUN
ejge-10853	9	19	size	size	NOUN
ejge-10853	9	20	,	,	PUNCT
ejge-10853	9	21	alongside	alongside	ADP
ejge-10853	9	22	an	an	DET
ejge-10853	9	23	external	external	ADJ
ejge-10853	9	24	variable	variable	NOUN
ejge-10853	9	25	,	,	PUNCT
ejge-10853	9	26	the	the	DET
ejge-10853	9	27	euribor	euribor	NOUN
ejge-10853	9	28	.	.	PUNCT
ejge-10853	10	1	the	the	DET
ejge-10853	10	2	findings	finding	NOUN
ejge-10853	10	3	reveal	reveal	VERB
ejge-10853	10	4	that	that	SCONJ
ejge-10853	10	5	credit	credit	NOUN
ejge-10853	10	6	risk	risk	NOUN
ejge-10853	10	7	,	,	PUNCT
ejge-10853	10	8	capital	capital	NOUN
ejge-10853	10	9	adequacy	adequacy	NOUN
ejge-10853	10	10	,	,	PUNCT
ejge-10853	10	11	management	management	NOUN
ejge-10853	10	12	capacity	capacity	NOUN
ejge-10853	10	13	,	,	PUNCT
ejge-10853	10	14	and	and	CCONJ
ejge-10853	10	15	euribor	euribor	PROPN
ejge-10853	10	16	are	be	AUX
ejge-10853	10	17	the	the	DET
ejge-10853	10	18	most	most	ADV
ejge-10853	10	19	statistically	statistically	ADV
ejge-10853	10	20	significant	significant	ADJ
ejge-10853	10	21	for	for	ADP
ejge-10853	10	22	both	both	CCONJ
ejge-10853	10	23	return	return	NOUN
ejge-10853	10	24	on	on	ADP
ejge-10853	10	25	equity	equity	NOUN
ejge-10853	10	26	and	and	CCONJ
ejge-10853	10	27	return	return	VERB
ejge-10853	10	28	on	on	ADP
ejge-10853	10	29	assets	asset	NOUN
ejge-10853	10	30	,	,	PUNCT
ejge-10853	10	31	with	with	ADP
ejge-10853	10	32	euribor	euribor	PROPN
ejge-10853	10	33	emerging	emerge	VERB
ejge-10853	10	34	as	as	ADP
ejge-10853	10	35	the	the	DET
ejge-10853	10	36	greatest	great	ADJ
ejge-10853	10	37	statistically	statistically	ADV
ejge-10853	10	38	significant	significant	ADJ
ejge-10853	10	39	variable	variable	NOUN
ejge-10853	10	40	.	.	PUNCT
ejge-10853	11	1	the	the	DET
ejge-10853	11	2	analysis	analysis	NOUN
ejge-10853	11	3	of	of	ADP
ejge-10853	11	4	euribor	euribor	NOUN
ejge-10853	11	5	as	as	ADP
ejge-10853	11	6	an	an	DET
ejge-10853	11	7	explanatory	explanatory	ADJ
ejge-10853	11	8	variable	variable	NOUN
ejge-10853	11	9	represents	represent	VERB
ejge-10853	11	10	the	the	DET
ejge-10853	11	11	key	key	ADJ
ejge-10853	11	12	contribution	contribution	NOUN
ejge-10853	11	13	of	of	ADP
ejge-10853	11	14	this	this	DET
ejge-10853	11	15	study	study	NOUN
ejge-10853	11	16	relative	relative	ADJ
ejge-10853	11	17	to	to	ADP
ejge-10853	11	18	the	the	DET
ejge-10853	11	19	existing	exist	VERB
ejge-10853	11	20	and	and	CCONJ
ejge-10853	11	21	reviewed	review	VERB
ejge-10853	11	22	literature	literature	NOUN
ejge-10853	11	23	.	.	PUNCT
ejge-10853	12	1	keywords	keyword	NOUN
ejge-10853	12	2	:	:	PUNCT
ejge-10853	12	3	banks	bank	NOUN
ejge-10853	12	4	;	;	PUNCT
ejge-10853	12	5	profitability	profitability	NOUN
ejge-10853	12	6	;	;	PUNCT
ejge-10853	12	7	euribor	euribor	PROPN
ejge-10853	12	8	jel	jel	PROPN
ejge-10853	12	9	classification	classification	PROPN
ejge-10853	12	10	:	:	PUNCT
ejge-10853	12	11	g01	g01	NOUN
ejge-10853	12	12	;	;	PUNCT
ejge-10853	12	13	g21	g21	PROPN
ejge-10853	12	14	;	;	PUNCT
ejge-10853	12	15	g28	g28	VERB
ejge-10853	12	16	1	1	NUM
ejge-10853	12	17	.	.	PUNCT
ejge-10853	13	1	introduction	introduction	NOUN
ejge-10853	13	2	studies	study	NOUN
ejge-10853	13	3	around	around	ADP
ejge-10853	13	4	bank	bank	NOUN
ejge-10853	13	5	profitability	profitability	NOUN
ejge-10853	13	6	have	have	AUX
ejge-10853	13	7	received	receive	VERB
ejge-10853	13	8	a	a	DET
ejge-10853	13	9	lot	lot	NOUN
ejge-10853	13	10	of	of	ADP
ejge-10853	13	11	attention	attention	NOUN
ejge-10853	13	12	from	from	ADP
ejge-10853	13	13	researchers	researcher	NOUN
ejge-10853	13	14	.	.	PUNCT
ejge-10853	14	1	from	from	ADP
ejge-10853	14	2	the	the	DET
ejge-10853	14	3	financial	financial	ADJ
ejge-10853	14	4	crisis	crisis	NOUN
ejge-10853	14	5	that	that	PRON
ejge-10853	14	6	began	begin	VERB
ejge-10853	14	7	in	in	ADP
ejge-10853	14	8	2007	2007	NUM
ejge-10853	14	9	in	in	ADP
ejge-10853	14	10	the	the	DET
ejge-10853	14	11	united	united	PROPN
ejge-10853	14	12	states	states	PROPN
ejge-10853	14	13	to	to	ADP
ejge-10853	14	14	subprime	subprime	ADJ
ejge-10853	14	15	loans	loan	NOUN
ejge-10853	14	16	(	(	PUNCT
ejge-10853	14	17	triggered	trigger	VERB
ejge-10853	14	18	by	by	ADP
ejge-10853	14	19	the	the	DET
ejge-10853	14	20	granting	granting	NOUN
ejge-10853	14	21	of	of	ADP
ejge-10853	14	22	high	high	ADJ
ejge-10853	14	23	-	-	PUNCT
ejge-10853	14	24	risk	risk	NOUN
ejge-10853	14	25	mortgage	mortgage	NOUN
ejge-10853	14	26	loans	loan	NOUN
ejge-10853	14	27	to	to	ADP
ejge-10853	14	28	low	low	ADJ
ejge-10853	14	29	-	-	PUNCT
ejge-10853	14	30	income	income	NOUN
ejge-10853	14	31	families	family	NOUN
ejge-10853	14	32	)	)	PUNCT
ejge-10853	14	33	,	,	PUNCT
ejge-10853	14	34	the	the	DET
ejge-10853	14	35	pandemic	pandemic	ADJ
ejge-10853	14	36	,	,	PUNCT
ejge-10853	14	37	and	and	CCONJ
ejge-10853	14	38	recent	recent	ADJ
ejge-10853	14	39	wars	war	NOUN
ejge-10853	14	40	,	,	PUNCT
ejge-10853	14	41	portuguese	portuguese	ADJ
ejge-10853	14	42	banking	banking	NOUN
ejge-10853	14	43	has	have	AUX
ejge-10853	14	44	shown	show	VERB
ejge-10853	14	45	that	that	SCONJ
ejge-10853	14	46	it	it	PRON
ejge-10853	14	47	is	be	AUX
ejge-10853	14	48	not	not	PART
ejge-10853	14	49	indifferent	indifferent	ADJ
ejge-10853	14	50	to	to	ADP
ejge-10853	14	51	the	the	DET
ejge-10853	14	52	risk	risk	NOUN
ejge-10853	14	53	factors	factor	NOUN
ejge-10853	14	54	that	that	PRON
ejge-10853	14	55	have	have	AUX
ejge-10853	14	56	affected	affect	VERB
ejge-10853	14	57	national	national	ADJ
ejge-10853	14	58	banking	banking	NOUN
ejge-10853	14	59	at	at	ADP
ejge-10853	14	60	various	various	ADJ
ejge-10853	14	61	levels	level	NOUN
ejge-10853	14	62	,	,	PUNCT
ejge-10853	14	63	particularly	particularly	ADV
ejge-10853	14	64	in	in	ADP
ejge-10853	14	65	terms	term	NOUN
ejge-10853	14	66	of	of	ADP
ejge-10853	14	67	profitability	profitability	NOUN
ejge-10853	14	68	.	.	PUNCT
ejge-10853	15	1	for	for	ADP
ejge-10853	15	2	example	example	NOUN
ejge-10853	15	3	,	,	PUNCT
ejge-10853	15	4	it	it	PRON
ejge-10853	15	5	is	be	AUX
ejge-10853	15	6	very	very	ADV
ejge-10853	15	7	present	present	ADJ
ejge-10853	15	8	in	in	ADP
ejge-10853	15	9	the	the	DET
ejge-10853	15	10	insolvency	insolvency	NOUN
ejge-10853	15	11	of	of	ADP
ejge-10853	15	12	bpn	bpn	NOUN
ejge-10853	15	13	,	,	PUNCT
ejge-10853	15	14	banif	banif	NOUN
ejge-10853	15	15	,	,	PUNCT
ejge-10853	15	16	and	and	CCONJ
ejge-10853	15	17	bpp	bpp	NOUN
ejge-10853	15	18	banks	bank	NOUN
ejge-10853	15	19	.	.	PUNCT
ejge-10853	16	1	the	the	DET
ejge-10853	16	2	bes	bes	PROPN
ejge-10853	16	3	bank	bank	PROPN
ejge-10853	16	4	in	in	ADP
ejge-10853	16	5	2014	2014	NUM
ejge-10853	16	6	had	have	VERB
ejge-10853	16	7	major	major	ADJ
ejge-10853	16	8	state	state	NOUN
ejge-10853	16	9	intervention	intervention	NOUN
ejge-10853	16	10	so	so	SCONJ
ejge-10853	16	11	that	that	SCONJ
ejge-10853	16	12	the	the	DET
ejge-10853	16	13	consequences	consequence	NOUN
ejge-10853	16	14	of	of	ADP
ejge-10853	16	15	its	its	PRON
ejge-10853	16	16	collapse	collapse	NOUN
ejge-10853	16	17	would	would	AUX
ejge-10853	16	18	not	not	PART
ejge-10853	16	19	translate	translate	VERB
ejge-10853	16	20	into	into	ADP
ejge-10853	16	21	a	a	DET
ejge-10853	16	22	disaster	disaster	NOUN
ejge-10853	16	23	for	for	ADP
ejge-10853	16	24	the	the	DET
ejge-10853	16	25	portuguese	portuguese	ADJ
ejge-10853	16	26	economy	economy	NOUN
ejge-10853	16	27	.	.	PUNCT
ejge-10853	17	1	in	in	ADP
ejge-10853	17	2	this	this	DET
ejge-10853	17	3	sense	sense	NOUN
ejge-10853	17	4	,	,	PUNCT
ejge-10853	17	5	banking	banking	NOUN
ejge-10853	17	6	supervision	supervision	NOUN
ejge-10853	17	7	has	have	AUX
ejge-10853	17	8	become	become	VERB
ejge-10853	17	9	much	much	ADV
ejge-10853	17	10	more	more	ADV
ejge-10853	17	11	demanding	demanding	ADJ
ejge-10853	17	12	,	,	PUNCT
ejge-10853	17	13	in	in	ADP
ejge-10853	17	14	compliance	compliance	NOUN
ejge-10853	17	15	with	with	ADP
ejge-10853	17	16	more	more	ADV
ejge-10853	17	17	rigorous	rigorous	ADJ
ejge-10853	17	18	and	and	CCONJ
ejge-10853	17	19	robust	robust	ADJ
ejge-10853	17	20	ratios	ratio	NOUN
ejge-10853	17	21	in	in	ADP
ejge-10853	17	22	terms	term	NOUN
ejge-10853	17	23	of	of	ADP
ejge-10853	17	24	capital	capital	NOUN
ejge-10853	17	25	adequacy	adequacy	NOUN
ejge-10853	17	26	,	,	PUNCT
ejge-10853	17	27	liquidity	liquidity	NOUN
ejge-10853	17	28	,	,	PUNCT
ejge-10853	17	29	credit	credit	NOUN
ejge-10853	17	30	quality	quality	NOUN
ejge-10853	17	31	and	and	CCONJ
ejge-10853	17	32	market	market	NOUN
ejge-10853	17	33	discipline	discipline	NOUN
ejge-10853	17	34	;	;	PUNCT
ejge-10853	17	35	hence	hence	ADV
ejge-10853	17	36	the	the	DET
ejge-10853	17	37	importance	importance	NOUN
ejge-10853	17	38	of	of	ADP
ejge-10853	17	39	constant	constant	ADJ
ejge-10853	17	40	improvements	improvement	NOUN
ejge-10853	17	41	and	and	CCONJ
ejge-10853	17	42	requirements	requirement	NOUN
ejge-10853	17	43	imposed	impose	VERB
ejge-10853	17	44	by	by	ADP
ejge-10853	17	45	the	the	DET
ejge-10853	17	46	basel	basel	PROPN
ejge-10853	17	47	accords	accord	NOUN
ejge-10853	17	48	(	(	PUNCT
ejge-10853	17	49	bcbs	bcbs	PROPN
ejge-10853	17	50	,	,	PUNCT
ejge-10853	17	51	2013	2013	NUM
ejge-10853	17	52	;	;	PUNCT
ejge-10853	17	53	bcbs	bcb	NOUN
ejge-10853	17	54	,	,	PUNCT
ejge-10853	17	55	2014	2014	NUM
ejge-10853	17	56	;	;	PUNCT
ejge-10853	17	57	bcbs	bcb	NOUN
ejge-10853	17	58	,	,	PUNCT
ejge-10853	17	59	2017	2017	NUM
ejge-10853	17	60	)	)	PUNCT
ejge-10853	17	61	.	.	PUNCT
ejge-10853	18	1	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	DET
ejge-10853	18	2	banks	bank	NOUN
ejge-10853	18	3	’	’	PART
ejge-10853	18	4	profitability	profitability	NOUN
ejge-10853	18	5	in	in	ADP
ejge-10853	18	6	portugal	portugal	PROPN
ejge-10853	18	7	from	from	ADP
ejge-10853	18	8	2013	2013	NUM
ejge-10853	18	9	to	to	ADP
ejge-10853	18	10	2023	2023	NUM
ejge-10853	18	11	according	accord	VERB
ejge-10853	18	12	to	to	ADP
ejge-10853	18	13	the	the	DET
ejge-10853	18	14	european	european	PROPN
ejge-10853	18	15	central	central	PROPN
ejge-10853	18	16	bank	bank	PROPN
ejge-10853	18	17	(	(	PUNCT
ejge-10853	18	18	bce	bce	PROPN
ejge-10853	18	19	)	)	PUNCT
ejge-10853	18	20	,	,	PUNCT
ejge-10853	18	21	2021	2021	NUM
ejge-10853	18	22	was	be	AUX
ejge-10853	18	23	the	the	DET
ejge-10853	18	24	turning	turning	NOUN
ejge-10853	18	25	point	point	NOUN
ejge-10853	18	26	in	in	ADP
ejge-10853	18	27	the	the	DET
ejge-10853	18	28	monetary	monetary	ADJ
ejge-10853	18	29	policy	policy	NOUN
ejge-10853	18	30	that	that	PRON
ejge-10853	18	31	followed	follow	VERB
ejge-10853	18	32	over	over	ADP
ejge-10853	18	33	the	the	DET
ejge-10853	18	34	last	last	ADJ
ejge-10853	18	35	decade	decade	NOUN
ejge-10853	18	36	(	(	PUNCT
ejge-10853	18	37	european	european	PROPN
ejge-10853	18	38	central	central	PROPN
ejge-10853	18	39	bank	bank	PROPN
ejge-10853	18	40	,	,	PUNCT
ejge-10853	18	41	2024	2024	NUM
ejge-10853	18	42	)	)	PUNCT
ejge-10853	18	43	.	.	PUNCT
ejge-10853	19	1	a	a	DET
ejge-10853	19	2	period	period	NOUN
ejge-10853	19	3	of	of	ADP
ejge-10853	19	4	negative	negative	ADJ
ejge-10853	19	5	interest	interest	NOUN
ejge-10853	19	6	rates	rate	NOUN
ejge-10853	19	7	has	have	AUX
ejge-10853	19	8	ended	end	VERB
ejge-10853	19	9	.	.	PUNCT
ejge-10853	20	1	in	in	ADP
ejge-10853	20	2	this	this	DET
ejge-10853	20	3	regard	regard	NOUN
ejge-10853	20	4	,	,	PUNCT
ejge-10853	20	5	during	during	ADP
ejge-10853	20	6	the	the	DET
ejge-10853	20	7	second	second	ADJ
ejge-10853	20	8	half	half	NOUN
ejge-10853	20	9	of	of	ADP
ejge-10853	20	10	2023	2023	NUM
ejge-10853	20	11	,	,	PUNCT
ejge-10853	20	12	the	the	DET
ejge-10853	20	13	bce	bce	PROPN
ejge-10853	20	14	increased	increase	VERB
ejge-10853	20	15	euribor	euribor	PROPN
ejge-10853	20	16	(	(	PUNCT
ejge-10853	20	17	eur	eur	PROPN
ejge-10853	20	18	)	)	PUNCT
ejge-10853	20	19	by	by	ADP
ejge-10853	20	20	a	a	DET
ejge-10853	20	21	total	total	NOUN
ejge-10853	20	22	of	of	ADP
ejge-10853	20	23	250	250	NUM
ejge-10853	20	24	basis	basis	NOUN
ejge-10853	20	25	points	point	NOUN
ejge-10853	20	26	.	.	PUNCT
ejge-10853	21	1	the	the	DET
ejge-10853	21	2	eur	eur	PROPN
ejge-10853	21	3	increase	increase	NOUN
ejge-10853	21	4	occurred	occur	VERB
ejge-10853	21	5	following	follow	VERB
ejge-10853	21	6	rapid	rapid	ADJ
ejge-10853	21	7	growth	growth	NOUN
ejge-10853	21	8	in	in	ADP
ejge-10853	21	9	inflation	inflation	NOUN
ejge-10853	21	10	.	.	PUNCT
ejge-10853	22	1	in	in	ADP
ejge-10853	22	2	the	the	DET
ejge-10853	22	3	eurozone	eurozone	NOUN
ejge-10853	22	4	,	,	PUNCT
ejge-10853	22	5	inflation	inflation	NOUN
ejge-10853	22	6	rose	rise	VERB
ejge-10853	22	7	to	to	ADP
ejge-10853	22	8	8.4	8.4	NUM
ejge-10853	22	9	%	%	NOUN
ejge-10853	22	10	on	on	ADP
ejge-10853	22	11	average	average	NOUN
ejge-10853	22	12	in	in	ADP
ejge-10853	22	13	2022	2022	NUM
ejge-10853	22	14	,	,	PUNCT
ejge-10853	22	15	compared	compare	VERB
ejge-10853	22	16	to	to	ADP
ejge-10853	22	17	2.6	2.6	NUM
ejge-10853	22	18	%	%	NOUN
ejge-10853	22	19	in	in	ADP
ejge-10853	22	20	2021	2021	NUM
ejge-10853	22	21	.	.	PUNCT
ejge-10853	23	1	according	accord	VERB
ejge-10853	23	2	to	to	ADP
ejge-10853	23	3	the	the	DET
ejge-10853	23	4	bce	bce	PROPN
ejge-10853	23	5	,	,	PUNCT
ejge-10853	23	6	the	the	DET
ejge-10853	23	7	growth	growth	NOUN
ejge-10853	23	8	in	in	ADP
ejge-10853	23	9	inflation	inflation	NOUN
ejge-10853	23	10	was	be	AUX
ejge-10853	23	11	due	due	ADJ
ejge-10853	23	12	to	to	ADP
ejge-10853	23	13	two	two	NUM
ejge-10853	23	14	types	type	NOUN
ejge-10853	23	15	of	of	ADP
ejge-10853	23	16	shock	shock	NOUN
ejge-10853	23	17	.	.	PUNCT
ejge-10853	24	1	on	on	ADP
ejge-10853	24	2	the	the	DET
ejge-10853	24	3	supply	supply	NOUN
ejge-10853	24	4	side	side	NOUN
ejge-10853	24	5	,	,	PUNCT
ejge-10853	24	6	there	there	PRON
ejge-10853	24	7	was	be	VERB
ejge-10853	24	8	a	a	DET
ejge-10853	24	9	significant	significant	ADJ
ejge-10853	24	10	increase	increase	NOUN
ejge-10853	24	11	in	in	ADP
ejge-10853	24	12	the	the	DET
ejge-10853	24	13	costs	cost	NOUN
ejge-10853	24	14	of	of	ADP
ejge-10853	24	15	production	production	NOUN
ejge-10853	24	16	factors	factor	NOUN
ejge-10853	24	17	in	in	ADP
ejge-10853	24	18	all	all	DET
ejge-10853	24	19	sectors	sector	NOUN
ejge-10853	24	20	of	of	ADP
ejge-10853	24	21	the	the	DET
ejge-10853	24	22	economy	economy	NOUN
ejge-10853	24	23	.	.	PUNCT
ejge-10853	25	1	this	this	DET
ejge-10853	25	2	increase	increase	NOUN
ejge-10853	25	3	in	in	ADP
ejge-10853	25	4	the	the	DET
ejge-10853	25	5	costs	cost	NOUN
ejge-10853	25	6	of	of	ADP
ejge-10853	25	7	production	production	NOUN
ejge-10853	25	8	factors	factor	NOUN
ejge-10853	25	9	was	be	AUX
ejge-10853	25	10	the	the	DET
ejge-10853	25	11	result	result	NOUN
ejge-10853	25	12	of	of	ADP
ejge-10853	25	13	import	import	NOUN
ejge-10853	25	14	problems	problem	NOUN
ejge-10853	25	15	resulting	result	VERB
ejge-10853	25	16	from	from	ADP
ejge-10853	25	17	covid-19	covid-19	PROPN
ejge-10853	25	18	and	and	CCONJ
ejge-10853	25	19	the	the	DET
ejge-10853	25	20	energy	energy	NOUN
ejge-10853	25	21	crisis	crisis	NOUN
ejge-10853	25	22	resulting	result	VERB
ejge-10853	25	23	from	from	ADP
ejge-10853	25	24	the	the	DET
ejge-10853	25	25	russia	russia	PROPN
ejge-10853	25	26	-	-	PUNCT
ejge-10853	25	27	ukraine	ukraine	PROPN
ejge-10853	25	28	war	war	NOUN
ejge-10853	25	29	.	.	PUNCT
ejge-10853	26	1	on	on	ADP
ejge-10853	26	2	the	the	DET
ejge-10853	26	3	demand	demand	NOUN
ejge-10853	26	4	side	side	NOUN
ejge-10853	26	5	,	,	PUNCT
ejge-10853	26	6	the	the	DET
ejge-10853	26	7	reopening	reopening	NOUN
ejge-10853	26	8	of	of	ADP
ejge-10853	26	9	the	the	DET
ejge-10853	26	10	economy	economy	NOUN
ejge-10853	26	11	after	after	SCONJ
ejge-10853	26	12	the	the	DET
ejge-10853	26	13	pandemic	pandemic	ADJ
ejge-10853	26	14	allowed	allow	VERB
ejge-10853	26	15	companies	company	NOUN
ejge-10853	26	16	to	to	PART
ejge-10853	26	17	reflect	reflect	VERB
ejge-10853	26	18	increased	increase	VERB
ejge-10853	26	19	costs	cost	NOUN
ejge-10853	26	20	in	in	ADP
ejge-10853	26	21	prices	price	NOUN
ejge-10853	26	22	more	more	ADV
ejge-10853	26	23	quickly	quickly	ADV
ejge-10853	26	24	and	and	CCONJ
ejge-10853	26	25	sharply	sharply	ADV
ejge-10853	26	26	.	.	PUNCT
ejge-10853	27	1	the	the	DET
ejge-10853	27	2	evolution	evolution	NOUN
ejge-10853	27	3	of	of	ADP
ejge-10853	27	4	inflation	inflation	NOUN
ejge-10853	27	5	,	,	PUNCT
ejge-10853	27	6	with	with	ADP
ejge-10853	27	7	projections	projection	NOUN
ejge-10853	27	8	above	above	ADP
ejge-10853	27	9	the	the	DET
ejge-10853	27	10	2	2	NUM
ejge-10853	27	11	%	%	NOUN
ejge-10853	27	12	objective	objective	NOUN
ejge-10853	27	13	in	in	ADP
ejge-10853	27	14	the	the	DET
ejge-10853	27	15	medium	medium	ADJ
ejge-10853	27	16	term	term	NOUN
ejge-10853	27	17	,	,	PUNCT
ejge-10853	27	18	led	lead	VERB
ejge-10853	27	19	the	the	DET
ejge-10853	27	20	bce	bce	PROPN
ejge-10853	27	21	to	to	PART
ejge-10853	27	22	increase	increase	VERB
ejge-10853	27	23	eur	eur	NOUN
ejge-10853	27	24	considerably	considerably	ADV
ejge-10853	27	25	and	and	CCONJ
ejge-10853	27	26	at	at	ADP
ejge-10853	27	27	a	a	DET
ejge-10853	27	28	constant	constant	ADJ
ejge-10853	27	29	pace	pace	NOUN
ejge-10853	27	30	as	as	ADP
ejge-10853	27	31	a	a	DET
ejge-10853	27	32	way	way	NOUN
ejge-10853	27	33	of	of	ADP
ejge-10853	27	34	dampening	dampen	VERB
ejge-10853	27	35	demand	demand	NOUN
ejge-10853	27	36	and	and	CCONJ
ejge-10853	27	37	ensuring	ensure	VERB
ejge-10853	27	38	that	that	SCONJ
ejge-10853	27	39	inflation	inflation	NOUN
ejge-10853	27	40	remained	remain	VERB
ejge-10853	27	41	under	under	ADP
ejge-10853	27	42	control	control	NOUN
ejge-10853	27	43	.	.	PUNCT
ejge-10853	28	1	from	from	ADP
ejge-10853	28	2	this	this	DET
ejge-10853	28	3	perspective	perspective	NOUN
ejge-10853	28	4	,	,	PUNCT
ejge-10853	28	5	we	we	PRON
ejge-10853	28	6	analyse	analyse	VERB
ejge-10853	28	7	the	the	DET
ejge-10853	28	8	impact	impact	NOUN
ejge-10853	28	9	of	of	ADP
ejge-10853	28	10	the	the	DET
ejge-10853	28	11	increase	increase	NOUN
ejge-10853	28	12	in	in	ADP
ejge-10853	28	13	eur	eur	NOUN
ejge-10853	28	14	on	on	ADP
ejge-10853	28	15	the	the	DET
ejge-10853	28	16	profitability	profitability	NOUN
ejge-10853	28	17	of	of	ADP
ejge-10853	28	18	17	17	NUM
ejge-10853	28	19	banks	bank	NOUN
ejge-10853	28	20	operating	operate	VERB
ejge-10853	28	21	in	in	ADP
ejge-10853	28	22	portugal	portugal	PROPN
ejge-10853	28	23	in	in	ADP
ejge-10853	28	24	the	the	DET
ejge-10853	28	25	period	period	NOUN
ejge-10853	28	26	between	between	ADP
ejge-10853	28	27	2013	2013	NUM
ejge-10853	28	28	and	and	CCONJ
ejge-10853	28	29	2023	2023	NUM
ejge-10853	28	30	.	.	PUNCT
ejge-10853	29	1	this	this	DET
ejge-10853	29	2	sample	sample	NOUN
ejge-10853	29	3	represents	represent	VERB
ejge-10853	29	4	about	about	ADP
ejge-10853	29	5	98	98	NUM
ejge-10853	29	6	%	%	NOUN
ejge-10853	29	7	of	of	ADP
ejge-10853	29	8	the	the	DET
ejge-10853	29	9	portuguese	portuguese	ADJ
ejge-10853	29	10	banking	banking	NOUN
ejge-10853	29	11	product	product	NOUN
ejge-10853	29	12	(	(	PUNCT
ejge-10853	29	13	appendix	appendix	VERB
ejge-10853	29	14	i	i	PRON
ejge-10853	29	15	)	)	PUNCT
ejge-10853	29	16	.	.	PUNCT
ejge-10853	30	1	this	this	DET
ejge-10853	30	2	paper	paper	NOUN
ejge-10853	30	3	is	be	AUX
ejge-10853	30	4	structured	structure	VERB
ejge-10853	30	5	as	as	SCONJ
ejge-10853	30	6	follows	follow	VERB
ejge-10853	30	7	.	.	PUNCT
ejge-10853	31	1	section	section	NOUN
ejge-10853	31	2	2	2	NUM
ejge-10853	31	3	presents	present	VERB
ejge-10853	31	4	a	a	DET
ejge-10853	31	5	brief	brief	ADJ
ejge-10853	31	6	literature	literature	NOUN
ejge-10853	31	7	review	review	NOUN
ejge-10853	31	8	.	.	PUNCT
ejge-10853	32	1	the	the	DET
ejge-10853	32	2	methodology	methodology	NOUN
ejge-10853	32	3	,	,	PUNCT
ejge-10853	32	4	econometric	econometric	ADJ
ejge-10853	32	5	approach	approach	NOUN
ejge-10853	32	6	,	,	PUNCT
ejge-10853	32	7	and	and	CCONJ
ejge-10853	32	8	data	datum	NOUN
ejge-10853	32	9	used	use	VERB
ejge-10853	32	10	are	be	AUX
ejge-10853	32	11	detailed	detail	VERB
ejge-10853	32	12	in	in	ADP
ejge-10853	32	13	section	section	NOUN
ejge-10853	32	14	3	3	NUM
ejge-10853	32	15	.	.	PUNCT
ejge-10853	32	16	section	section	NOUN
ejge-10853	32	17	4	4	NUM
ejge-10853	32	18	presents	present	VERB
ejge-10853	32	19	the	the	DET
ejge-10853	32	20	results	result	NOUN
ejge-10853	32	21	and	and	CCONJ
ejge-10853	32	22	discussions	discussion	NOUN
ejge-10853	32	23	,	,	PUNCT
ejge-10853	32	24	and	and	CCONJ
ejge-10853	32	25	section	section	NOUN
ejge-10853	32	26	5	5	NUM
ejge-10853	32	27	provides	provide	VERB
ejge-10853	32	28	the	the	DET
ejge-10853	32	29	main	main	ADJ
ejge-10853	32	30	conclusions	conclusion	NOUN
ejge-10853	32	31	.	.	PUNCT
ejge-10853	33	1	2	2	X
ejge-10853	33	2	.	.	X
ejge-10853	33	3	literature	literature	NOUN
ejge-10853	33	4	review	review	VERB
ejge-10853	33	5	there	there	PRON
ejge-10853	33	6	is	be	VERB
ejge-10853	33	7	a	a	DET
ejge-10853	33	8	lot	lot	NOUN
ejge-10853	33	9	of	of	ADP
ejge-10853	33	10	research	research	NOUN
ejge-10853	33	11	in	in	ADP
ejge-10853	33	12	this	this	DET
ejge-10853	33	13	area	area	NOUN
ejge-10853	33	14	,	,	PUNCT
ejge-10853	33	15	and	and	CCONJ
ejge-10853	33	16	it	it	PRON
ejge-10853	33	17	is	be	AUX
ejge-10853	33	18	quite	quite	ADV
ejge-10853	33	19	diverse	diverse	ADJ
ejge-10853	33	20	.	.	PUNCT
ejge-10853	34	1	there	there	PRON
ejge-10853	34	2	are	be	VERB
ejge-10853	34	3	researchers	researcher	NOUN
ejge-10853	34	4	interested	interested	ADJ
ejge-10853	34	5	in	in	ADP
ejge-10853	34	6	this	this	DET
ejge-10853	34	7	topic	topic	NOUN
ejge-10853	34	8	on	on	ADP
ejge-10853	34	9	all	all	DET
ejge-10853	34	10	continents	continent	NOUN
ejge-10853	34	11	.	.	PUNCT
ejge-10853	35	1	in	in	ADP
ejge-10853	35	2	this	this	DET
ejge-10853	35	3	sense	sense	NOUN
ejge-10853	35	4	,	,	PUNCT
ejge-10853	35	5	given	give	VERB
ejge-10853	35	6	the	the	DET
ejge-10853	35	7	difference	difference	NOUN
ejge-10853	35	8	in	in	ADP
ejge-10853	35	9	legislation	legislation	NOUN
ejge-10853	35	10	,	,	PUNCT
ejge-10853	35	11	supervisory	supervisory	ADJ
ejge-10853	35	12	rules	rule	NOUN
ejge-10853	35	13	,	,	PUNCT
ejge-10853	35	14	and	and	CCONJ
ejge-10853	35	15	cultural	cultural	ADJ
ejge-10853	35	16	aspects	aspect	NOUN
ejge-10853	35	17	,	,	PUNCT
ejge-10853	35	18	it	it	PRON
ejge-10853	35	19	is	be	AUX
ejge-10853	35	20	not	not	PART
ejge-10853	35	21	always	always	ADV
ejge-10853	35	22	easy	easy	ADJ
ejge-10853	35	23	to	to	PART
ejge-10853	35	24	carry	carry	VERB
ejge-10853	35	25	out	out	ADP
ejge-10853	35	26	a	a	DET
ejge-10853	35	27	comparative	comparative	ADJ
ejge-10853	35	28	analysis	analysis	NOUN
ejge-10853	35	29	of	of	ADP
ejge-10853	35	30	the	the	DET
ejge-10853	35	31	results	result	NOUN
ejge-10853	35	32	obtained	obtain	VERB
ejge-10853	35	33	.	.	PUNCT
ejge-10853	35	34	table	table	NOUN
ejge-10853	35	35	1	1	NUM
ejge-10853	35	36	presents	present	VERB
ejge-10853	35	37	the	the	DET
ejge-10853	35	38	main	main	ADJ
ejge-10853	35	39	authors	author	NOUN
ejge-10853	35	40	of	of	ADP
ejge-10853	35	41	papers	paper	NOUN
ejge-10853	35	42	where	where	SCONJ
ejge-10853	35	43	it	it	PRON
ejge-10853	35	44	was	be	AUX
ejge-10853	35	45	possible	possible	ADJ
ejge-10853	35	46	to	to	PART
ejge-10853	35	47	obtain	obtain	VERB
ejge-10853	35	48	information	information	NOUN
ejge-10853	35	49	and	and	CCONJ
ejge-10853	35	50	compare	compare	VERB
ejge-10853	35	51	it	it	PRON
ejge-10853	35	52	with	with	ADP
ejge-10853	35	53	the	the	DET
ejge-10853	35	54	results	result	NOUN
ejge-10853	35	55	of	of	ADP
ejge-10853	35	56	our	our	PRON
ejge-10853	35	57	investigation	investigation	NOUN
ejge-10853	35	58	.	.	PUNCT
ejge-10853	36	1	table	table	NOUN
ejge-10853	36	2	1	1	NUM
ejge-10853	36	3	.	.	PUNCT
ejge-10853	36	4	fundamental	fundamental	ADJ
ejge-10853	36	5	literature	literature	PROPN
ejge-10853	36	6	review	review	PROPN
ejge-10853	36	7	:	:	PUNCT
ejge-10853	36	8	data	datum	NOUN
ejge-10853	36	9	,	,	PUNCT
ejge-10853	36	10	variables	variable	NOUN
ejge-10853	36	11	,	,	PUNCT
ejge-10853	36	12	and	and	CCONJ
ejge-10853	36	13	main	main	ADJ
ejge-10853	36	14	conclusions	conclusion	NOUN
ejge-10853	36	15	.	.	PUNCT
ejge-10853	37	1	authors	author	NOUN
ejge-10853	37	2	data	data	VERB
ejge-10853	37	3	variables	variable	NOUN
ejge-10853	37	4	conclusions	conclusion	NOUN
ejge-10853	37	5	dependent	dependent	ADJ
ejge-10853	37	6	independent	independent	ADJ
ejge-10853	37	7	(	(	PUNCT
ejge-10853	37	8	carvalho	carvalho	PROPN
ejge-10853	37	9	&	&	CCONJ
ejge-10853	37	10	ribeiro	ribeiro	PROPN
ejge-10853	37	11	,	,	PUNCT
ejge-10853	37	12	2016	2016	NUM
ejge-10853	37	13	)	)	PUNCT
ejge-10853	37	14	29	29	NUM
ejge-10853	37	15	banks	bank	NOUN
ejge-10853	37	16	in	in	ADP
ejge-10853	37	17	portugal	portugal	PROPN
ejge-10853	37	18	between	between	ADP
ejge-10853	37	19	2002	2002	NUM
ejge-10853	37	20	and	and	CCONJ
ejge-10853	37	21	2012	2012	NUM
ejge-10853	37	22	.	.	PUNCT
ejge-10853	38	1	roa	roa	PROPN
ejge-10853	38	2	.	.	PUNCT
ejge-10853	39	1	capital	capital	PROPN
ejge-10853	39	2	adequacy	adequacy	PROPN
ejge-10853	39	3	;	;	PUNCT
ejge-10853	39	4	non	non	ADJ
ejge-10853	39	5	-	-	ADJ
ejge-10853	39	6	performing	perform	VERB
ejge-10853	39	7	assets	asset	NOUN
ejge-10853	39	8	and	and	CCONJ
ejge-10853	39	9	credit	credit	NOUN
ejge-10853	39	10	risk	risk	NOUN
ejge-10853	39	11	.	.	PUNCT
ejge-10853	40	1	the	the	DET
ejge-10853	40	2	capital	capital	NOUN
ejge-10853	40	3	adequacy	adequacy	NOUN
ejge-10853	40	4	,	,	PUNCT
ejge-10853	40	5	non	non	ADJ
ejge-10853	40	6	-	-	ADJ
ejge-10853	40	7	performing	perform	VERB
ejge-10853	40	8	assets	asset	NOUN
ejge-10853	40	9	and	and	CCONJ
ejge-10853	40	10	credit	credit	NOUN
ejge-10853	40	11	risk	risk	NOUN
ejge-10853	40	12	are	be	AUX
ejge-10853	40	13	statistically	statistically	ADV
ejge-10853	40	14	significative	significative	ADJ
ejge-10853	40	15	in	in	ADP
ejge-10853	40	16	profitability	profitability	NOUN
ejge-10853	40	17	,	,	PUNCT
ejge-10853	40	18	measured	measure	VERB
ejge-10853	40	19	by	by	ADP
ejge-10853	40	20	roa	roa	PROPN
ejge-10853	40	21	.	.	PUNCT
ejge-10853	41	1	haddad	haddad	PROPN
ejge-10853	41	2	et	et	PROPN
ejge-10853	41	3	al	al	PROPN
ejge-10853	41	4	.	.	PROPN
ejge-10853	42	1	(	(	PUNCT
ejge-10853	42	2	2019	2019	NUM
ejge-10853	42	3	)	)	PUNCT
ejge-10853	42	4	12	12	NUM
ejge-10853	42	5	banks	bank	NOUN
ejge-10853	42	6	in	in	ADP
ejge-10853	42	7	jordan	jordan	PROPN
ejge-10853	42	8	between	between	ADP
ejge-10853	42	9	2009	2009	NUM
ejge-10853	42	10	and	and	CCONJ
ejge-10853	42	11	2019	2019	NUM
ejge-10853	42	12	.	.	PUNCT
ejge-10853	43	1	roa	roa	PROPN
ejge-10853	43	2	;	;	PUNCT
ejge-10853	43	3	roe	roe	PROPN
ejge-10853	43	4	and	and	CCONJ
ejge-10853	43	5	nim	nim	PROPN
ejge-10853	43	6	.	.	PUNCT
ejge-10853	44	1	assets	asset	NOUN
ejge-10853	44	2	size	size	VERB
ejge-10853	44	3	;	;	PUNCT
ejge-10853	44	4	capital	capital	NOUN
ejge-10853	44	5	adequacy	adequacy	NOUN
ejge-10853	44	6	;	;	PUNCT
ejge-10853	44	7	assets	asset	NOUN
ejge-10853	44	8	quality	quality	NOUN
ejge-10853	44	9	;	;	PUNCT
ejge-10853	44	10	liquidity	liquidity	NOUN
ejge-10853	44	11	;	;	PUNCT
ejge-10853	44	12	deposit	deposit	NOUN
ejge-10853	44	13	;	;	PUNCT
ejge-10853	44	14	economic	economic	ADJ
ejge-10853	44	15	activity	activity	NOUN
ejge-10853	44	16	;	;	PUNCT
ejge-10853	44	17	inflation	inflation	NOUN
ejge-10853	44	18	;	;	PUNCT
ejge-10853	44	19	interest	interest	NOUN
ejge-10853	44	20	rate	rate	NOUN
ejge-10853	44	21	.	.	PUNCT
ejge-10853	45	1	the	the	DET
ejge-10853	45	2	results	result	NOUN
ejge-10853	45	3	show	show	VERB
ejge-10853	45	4	that	that	SCONJ
ejge-10853	45	5	capital	capital	NOUN
ejge-10853	45	6	adequacy	adequacy	NOUN
ejge-10853	45	7	,	,	PUNCT
ejge-10853	45	8	asset	asset	NOUN
ejge-10853	45	9	quality	quality	NOUN
ejge-10853	45	10	,	,	PUNCT
ejge-10853	45	11	liquidity	liquidity	NOUN
ejge-10853	45	12	,	,	PUNCT
ejge-10853	45	13	deposit	deposit	NOUN
ejge-10853	45	14	,	,	PUNCT
ejge-10853	45	15	net	net	ADJ
ejge-10853	45	16	interest	interest	NOUN
ejge-10853	45	17	margin	margin	NOUN
ejge-10853	45	18	,	,	PUNCT
ejge-10853	45	19	and	and	CCONJ
ejge-10853	45	20	asset	asset	NOUN
ejge-10853	45	21	size	size	NOUN
ejge-10853	45	22	are	be	AUX
ejge-10853	45	23	important	important	ADJ
ejge-10853	45	24	factors	factor	NOUN
ejge-10853	45	25	that	that	PRON
ejge-10853	45	26	affect	affect	VERB
ejge-10853	45	27	the	the	DET
ejge-10853	45	28	profitability	profitability	NOUN
ejge-10853	45	29	of	of	ADP
ejge-10853	45	30	the	the	DET
ejge-10853	45	31	banking	banking	NOUN
ejge-10853	45	32	industry	industry	NOUN
ejge-10853	45	33	in	in	ADP
ejge-10853	45	34	jordan	jordan	PROPN
ejge-10853	45	35	.	.	PUNCT
ejge-10853	46	1	(	(	PUNCT
ejge-10853	46	2	mota	mota	NOUN
ejge-10853	46	3	et	et	PROPN
ejge-10853	46	4	al	al	PROPN
ejge-10853	46	5	.	.	PROPN
ejge-10853	46	6	,	,	PUNCT
ejge-10853	46	7	2019	2019	NUM
ejge-10853	46	8	)	)	PUNCT
ejge-10853	46	9	12	12	NUM
ejge-10853	46	10	banks	bank	NOUN
ejge-10853	46	11	in	in	ADP
ejge-10853	46	12	portugal	portugal	PROPN
ejge-10853	46	13	in	in	ADP
ejge-10853	46	14	the	the	DET
ejge-10853	46	15	period	period	NOUN
ejge-10853	46	16	20062016	20062016	NUM
ejge-10853	46	17	.	.	PUNCT
ejge-10853	47	1	roa	roa	PROPN
ejge-10853	47	2	;	;	PUNCT
ejge-10853	47	3	roe	roe	PROPN
ejge-10853	47	4	and	and	CCONJ
ejge-10853	47	5	nim	nim	PROPN
ejge-10853	47	6	.	.	PROPN
ejge-10853	48	1	sector	sector	NOUN
ejge-10853	48	2	concentration	concentration	NOUN
ejge-10853	48	3	;	;	PUNCT
ejge-10853	48	4	costincome	costincome	NOUN
ejge-10853	48	5	;	;	PUNCT
ejge-10853	48	6	liquidity	liquidity	NOUN
ejge-10853	48	7	risk	risk	NOUN
ejge-10853	48	8	;	;	PUNCT
ejge-10853	48	9	deposit	deposit	NOUN
ejge-10853	48	10	growth	growth	NOUN
ejge-10853	48	11	;	;	PUNCT
ejge-10853	48	12	credit	credit	NOUN
ejge-10853	48	13	risk	risk	NOUN
ejge-10853	48	14	,	,	PUNCT
ejge-10853	48	15	cost	cost	NOUN
ejge-10853	48	16	-	-	PUNCT
ejge-10853	48	17	income	income	NOUN
ejge-10853	48	18	,	,	PUNCT
ejge-10853	48	19	financial	financial	ADJ
ejge-10853	48	20	leverage	leverage	NOUN
ejge-10853	48	21	and	and	CCONJ
ejge-10853	48	22	deposit	deposit	NOUN
ejge-10853	48	23	growth	growth	NOUN
ejge-10853	48	24	stand	stand	VERB
ejge-10853	48	25	out	out	ADP
ejge-10853	48	26	as	as	ADP
ejge-10853	48	27	the	the	DET
ejge-10853	48	28	internal	internal	ADJ
ejge-10853	48	29	determinants	determinant	NOUN
ejge-10853	48	30	of	of	ADP
ejge-10853	48	31	banks	bank	NOUN
ejge-10853	48	32	that	that	PRON
ejge-10853	48	33	best	well	ADV
ejge-10853	48	34	explain	explain	VERB
ejge-10853	48	35	profitability	profitability	NOUN
ejge-10853	48	36	.	.	PUNCT
ejge-10853	49	1	122	122	NUM
ejge-10853	49	2	pires	pire	NOUN
ejge-10853	49	3	et	et	PROPN
ejge-10853	49	4	al	al	PROPN
ejge-10853	49	5	.	.	PUNCT
ejge-10853	50	1	authors	author	NOUN
ejge-10853	50	2	data	data	VERB
ejge-10853	50	3	variables	variable	NOUN
ejge-10853	50	4	conclusions	conclusion	NOUN
ejge-10853	50	5	dependent	dependent	ADJ
ejge-10853	50	6	independent	independent	ADJ
ejge-10853	50	7	financial	financial	ADJ
ejge-10853	50	8	leverage	leverage	NOUN
ejge-10853	50	9	and	and	CCONJ
ejge-10853	50	10	gdp	gdp	NOUN
ejge-10853	50	11	.	.	PUNCT
ejge-10853	51	1	(	(	PUNCT
ejge-10853	51	2	neves	neve	NOUN
ejge-10853	51	3	et	et	PROPN
ejge-10853	51	4	al	al	PROPN
ejge-10853	51	5	.	.	PROPN
ejge-10853	51	6	,	,	PUNCT
ejge-10853	51	7	2020	2020	NUM
ejge-10853	51	8	)	)	PUNCT
ejge-10853	52	1	66	66	NUM
ejge-10853	52	2	portuguese	portuguese	ADJ
ejge-10853	52	3	and	and	CCONJ
ejge-10853	52	4	spanish	spanish	ADJ
ejge-10853	52	5	banks	bank	NOUN
ejge-10853	52	6	were	be	AUX
ejge-10853	52	7	analysed	analyse	VERB
ejge-10853	52	8	.	.	PUNCT
ejge-10853	53	1	roa	roa	PROPN
ejge-10853	53	2	and	and	CCONJ
ejge-10853	53	3	roe	roe	PROPN
ejge-10853	53	4	.	.	PUNCT
ejge-10853	53	5	size	size	PROPN
ejge-10853	53	6	;	;	PUNCT
ejge-10853	53	7	gdp	gdp	NOUN
ejge-10853	53	8	;	;	PUNCT
ejge-10853	53	9	costincome	costincome	PROPN
ejge-10853	53	10	;	;	PUNCT
ejge-10853	53	11	bank	bank	NOUN
ejge-10853	53	12	capitalization	capitalization	NOUN
ejge-10853	53	13	and	and	CCONJ
ejge-10853	53	14	annual	annual	ADJ
ejge-10853	53	15	deposit	deposit	NOUN
ejge-10853	53	16	growth	growth	NOUN
ejge-10853	53	17	.	.	PUNCT
ejge-10853	54	1	the	the	DET
ejge-10853	54	2	result	result	NOUN
ejge-10853	54	3	shows	show	VERB
ejge-10853	54	4	a	a	DET
ejge-10853	54	5	positive	positive	ADJ
ejge-10853	54	6	and	and	CCONJ
ejge-10853	54	7	negative	negative	ADJ
ejge-10853	54	8	non	non	ADJ
ejge-10853	54	9	-	-	ADJ
ejge-10853	54	10	linear	linear	ADJ
ejge-10853	54	11	relationship	relationship	NOUN
ejge-10853	54	12	between	between	ADP
ejge-10853	54	13	bank	bank	NOUN
ejge-10853	54	14	size	size	NOUN
ejge-10853	54	15	and	and	CCONJ
ejge-10853	54	16	their	their	PRON
ejge-10853	54	17	levels	level	NOUN
ejge-10853	54	18	of	of	ADP
ejge-10853	54	19	profitability	profitability	NOUN
ejge-10853	54	20	,	,	PUNCT
ejge-10853	54	21	measured	measure	VERB
ejge-10853	54	22	by	by	ADP
ejge-10853	54	23	roa	roa	PROPN
ejge-10853	54	24	and	and	CCONJ
ejge-10853	54	25	roe	roe	PROPN
ejge-10853	54	26	.	.	PUNCT
ejge-10853	55	1	nunes	nunes	PROPN
ejge-10853	55	2	(	(	PUNCT
ejge-10853	55	3	2021	2021	NUM
ejge-10853	55	4	)	)	PUNCT
ejge-10853	55	5	40	40	NUM
ejge-10853	55	6	portuguese	portuguese	ADJ
ejge-10853	55	7	banks	bank	NOUN
ejge-10853	55	8	from	from	ADP
ejge-10853	55	9	the	the	DET
ejge-10853	55	10	first	first	ADJ
ejge-10853	55	11	quarter	quarter	NOUN
ejge-10853	55	12	of	of	ADP
ejge-10853	55	13	2010	2010	NUM
ejge-10853	55	14	to	to	ADP
ejge-10853	55	15	the	the	DET
ejge-10853	55	16	last	last	ADJ
ejge-10853	55	17	quarter	quarter	NOUN
ejge-10853	55	18	of	of	ADP
ejge-10853	55	19	2019	2019	NUM
ejge-10853	55	20	.	.	PUNCT
ejge-10853	56	1	roe	roe	NOUN
ejge-10853	56	2	and	and	CCONJ
ejge-10853	56	3	roa	roa	PROPN
ejge-10853	56	4	.	.	PUNCT
ejge-10853	57	1	capital	capital	PROPN
ejge-10853	57	2	adequacy	adequacy	PROPN
ejge-10853	57	3	;	;	PUNCT
ejge-10853	57	4	loan	loan	NOUN
ejge-10853	57	5	loss	loss	NOUN
ejge-10853	57	6	provisions	provision	NOUN
ejge-10853	57	7	;	;	PUNCT
ejge-10853	57	8	bank	bank	NOUN
ejge-10853	57	9	size	size	NOUN
ejge-10853	57	10	;	;	PUNCT
ejge-10853	57	11	costincome	costincome	NOUN
ejge-10853	57	12	;	;	PUNCT
ejge-10853	57	13	loans	loan	NOUN
ejge-10853	57	14	;	;	PUNCT
ejge-10853	57	15	deposit	deposit	NOUN
ejge-10853	57	16	ratio	ratio	NOUN
ejge-10853	57	17	;	;	PUNCT
ejge-10853	57	18	gdp	gdp	NOUN
ejge-10853	57	19	and	and	CCONJ
ejge-10853	57	20	euribor	euribor	PROPN
ejge-10853	57	21	.	.	PUNCT
ejge-10853	58	1	the	the	DET
ejge-10853	58	2	findings	finding	NOUN
ejge-10853	58	3	support	support	VERB
ejge-10853	58	4	the	the	DET
ejge-10853	58	5	notion	notion	NOUN
ejge-10853	58	6	that	that	SCONJ
ejge-10853	58	7	banks	bank	NOUN
ejge-10853	58	8	with	with	ADP
ejge-10853	58	9	enough	enough	ADJ
ejge-10853	58	10	capitalization	capitalization	NOUN
ejge-10853	58	11	outperform	outperform	NOUN
ejge-10853	58	12	those	those	PRON
ejge-10853	58	13	with	with	ADP
ejge-10853	58	14	insufficient	insufficient	ADJ
ejge-10853	58	15	capitalization	capitalization	NOUN
ejge-10853	58	16	.	.	PUNCT
ejge-10853	59	1	the	the	DET
ejge-10853	59	2	size	size	NOUN
ejge-10853	59	3	significantly	significantly	ADV
ejge-10853	59	4	reduces	reduce	VERB
ejge-10853	59	5	the	the	DET
ejge-10853	59	6	profitability	profitability	NOUN
ejge-10853	59	7	of	of	ADP
ejge-10853	59	8	portuguese	portuguese	ADJ
ejge-10853	59	9	banks	bank	NOUN
ejge-10853	59	10	when	when	SCONJ
ejge-10853	59	11	measured	measure	VERB
ejge-10853	59	12	by	by	ADP
ejge-10853	59	13	roa	roa	PROPN
ejge-10853	59	14	and	and	CCONJ
ejge-10853	59	15	roe	roe	PROPN
ejge-10853	59	16	.	.	PUNCT
ejge-10853	60	1	loan	loan	NOUN
ejge-10853	60	2	loss	loss	NOUN
ejge-10853	60	3	provisions	provision	NOUN
ejge-10853	60	4	reduced	reduce	VERB
ejge-10853	60	5	the	the	DET
ejge-10853	60	6	portuguese	portuguese	ADJ
ejge-10853	60	7	banks	bank	NOUN
ejge-10853	60	8	’	’	PART
ejge-10853	60	9	profitability	profitability	NOUN
ejge-10853	60	10	.	.	PUNCT
ejge-10853	61	1	yuan	yuan	NOUN
ejge-10853	61	2	et	et	PROPN
ejge-10853	61	3	al	al	PROPN
ejge-10853	61	4	.	.	PROPN
ejge-10853	61	5	(	(	PUNCT
ejge-10853	61	6	2022	2022	NUM
ejge-10853	61	7	)	)	PUNCT
ejge-10853	61	8	20	20	NUM
ejge-10853	61	9	banks	bank	NOUN
ejge-10853	61	10	in	in	ADP
ejge-10853	61	11	bangladesh	bangladesh	NOUN
ejge-10853	61	12	and	and	CCONJ
ejge-10853	61	13	20	20	NUM
ejge-10853	61	14	banks	bank	NOUN
ejge-10853	61	15	in	in	ADP
ejge-10853	61	16	india	india	PROPN
ejge-10853	61	17	from	from	ADP
ejge-10853	61	18	2010	2010	NUM
ejge-10853	61	19	to	to	ADP
ejge-10853	61	20	2020	2020	NUM
ejge-10853	61	21	.	.	PUNCT
ejge-10853	62	1	roa	roa	PROPN
ejge-10853	62	2	and	and	CCONJ
ejge-10853	62	3	roe	roe	PROPN
ejge-10853	62	4	.	.	PUNCT
ejge-10853	63	1	deposit	deposit	NOUN
ejge-10853	63	2	to	to	ADP
ejge-10853	63	3	asset	asset	NOUN
ejge-10853	63	4	;	;	PUNCT
ejge-10853	63	5	loan	loan	NOUN
ejge-10853	63	6	to	to	ADP
ejge-10853	63	7	deposit	deposit	NOUN
ejge-10853	63	8	;	;	PUNCT
ejge-10853	63	9	bank	bank	NOUN
ejge-10853	63	10	size	size	NOUN
ejge-10853	63	11	;	;	PUNCT
ejge-10853	63	12	debt	debt	NOUN
ejge-10853	63	13	to	to	ADP
ejge-10853	63	14	asset	asset	NOUN
ejge-10853	63	15	;	;	PUNCT
ejge-10853	63	16	inflation	inflation	NOUN
ejge-10853	63	17	target	target	NOUN
ejge-10853	63	18	and	and	CCONJ
ejge-10853	63	19	gdp	gdp	NOUN
ejge-10853	63	20	.	.	PROPN
ejge-10853	64	1	deposit	deposit	NOUN
ejge-10853	64	2	to	to	AUX
ejge-10853	64	3	asset	asset	NOUN
ejge-10853	64	4	ratio	ratio	NOUN
ejge-10853	64	5	and	and	CCONJ
ejge-10853	64	6	loan	loan	NOUN
ejge-10853	64	7	to	to	PART
ejge-10853	64	8	deposit	deposit	NOUN
ejge-10853	64	9	ratio	ratio	NOUN
ejge-10853	64	10	were	be	AUX
ejge-10853	64	11	found	find	VERB
ejge-10853	64	12	to	to	PART
ejge-10853	64	13	,	,	PUNCT
ejge-10853	64	14	significantly	significantly	ADV
ejge-10853	64	15	and	and	CCONJ
ejge-10853	64	16	negatively	negatively	ADV
ejge-10853	64	17	,	,	PUNCT
ejge-10853	64	18	impact	impact	NOUN
ejge-10853	64	19	roa	roa	NOUN
ejge-10853	64	20	for	for	ADP
ejge-10853	64	21	both	both	DET
ejge-10853	64	22	countries	country	NOUN
ejge-10853	64	23	.	.	PUNCT
ejge-10853	65	1	bank	bank	NOUN
ejge-10853	65	2	size	size	NOUN
ejge-10853	65	3	,	,	PUNCT
ejge-10853	65	4	debt	debt	NOUN
ejge-10853	65	5	to	to	ADP
ejge-10853	65	6	asset	asset	NOUN
ejge-10853	65	7	ratio	ratio	NOUN
ejge-10853	65	8	,	,	PUNCT
ejge-10853	65	9	inflation	inflation	NOUN
ejge-10853	65	10	rate	rate	NOUN
ejge-10853	65	11	,	,	PUNCT
ejge-10853	65	12	and	and	CCONJ
ejge-10853	65	13	gdp	gdp	NOUN
ejge-10853	65	14	were	be	AUX
ejge-10853	65	15	shown	show	VERB
ejge-10853	65	16	to	to	PART
ejge-10853	65	17	have	have	VERB
ejge-10853	65	18	a	a	DET
ejge-10853	65	19	favourable	favourable	ADJ
ejge-10853	65	20	impact	impact	NOUN
ejge-10853	65	21	.	.	PUNCT
ejge-10853	66	1	deposit	deposit	NOUN
ejge-10853	66	2	to	to	ADP
ejge-10853	66	3	asset	asset	NOUN
ejge-10853	66	4	ratio	ratio	NOUN
ejge-10853	66	5	,	,	PUNCT
ejge-10853	66	6	inflation	inflation	NOUN
ejge-10853	66	7	rate	rate	NOUN
ejge-10853	66	8	,	,	PUNCT
ejge-10853	66	9	and	and	CCONJ
ejge-10853	66	10	debt	debt	NOUN
ejge-10853	66	11	to	to	ADP
ejge-10853	66	12	equity	equity	NOUN
ejge-10853	66	13	ratio	ratio	NOUN
ejge-10853	66	14	were	be	AUX
ejge-10853	66	15	negative	negative	ADJ
ejge-10853	66	16	and	and	CCONJ
ejge-10853	66	17	significant	significant	ADJ
ejge-10853	66	18	for	for	ADP
ejge-10853	66	19	roe	roe	PROPN
ejge-10853	66	20	.	.	PUNCT
ejge-10853	67	1	gdp	gdp	PROPN
ejge-10853	67	2	and	and	CCONJ
ejge-10853	67	3	bank	bank	NOUN
ejge-10853	67	4	size	size	NOUN
ejge-10853	67	5	were	be	AUX
ejge-10853	67	6	positive	positive	ADJ
ejge-10853	67	7	and	and	CCONJ
ejge-10853	67	8	significant	significant	ADJ
ejge-10853	67	9	.	.	PUNCT
ejge-10853	68	1	kasanaa	kasanaa	NOUN
ejge-10853	68	2	et	et	PROPN
ejge-10853	68	3	al	al	PROPN
ejge-10853	68	4	.	.	PROPN
ejge-10853	69	1	(	(	PUNCT
ejge-10853	69	2	2023	2023	NUM
ejge-10853	69	3	)	)	PUNCT
ejge-10853	69	4	50	50	NUM
ejge-10853	69	5	international	international	ADJ
ejge-10853	69	6	banks	bank	NOUN
ejge-10853	69	7	in	in	ADP
ejge-10853	69	8	the	the	DET
ejge-10853	69	9	period	period	NOUN
ejge-10853	69	10	(	(	PUNCT
ejge-10853	69	11	2008	2008	NUM
ejge-10853	69	12	–	–	PUNCT
ejge-10853	69	13	2020	2020	NUM
ejge-10853	69	14	)	)	PUNCT
ejge-10853	69	15	.	.	PUNCT
ejge-10853	70	1	roa	roa	PROPN
ejge-10853	70	2	;	;	PUNCT
ejge-10853	70	3	roe	roe	PROPN
ejge-10853	70	4	and	and	CCONJ
ejge-10853	70	5	nim	nim	PROPN
ejge-10853	70	6	.	.	PUNCT
ejge-10853	70	7	interest	interest	NOUN
ejge-10853	70	8	rate	rate	NOUN
ejge-10853	70	9	;	;	PUNCT
ejge-10853	70	10	spread	spread	VERB
ejge-10853	70	11	;	;	PUNCT
ejge-10853	70	12	capital	capital	NOUN
ejge-10853	70	13	adequacy	adequacy	NOUN
ejge-10853	70	14	;	;	PUNCT
ejge-10853	70	15	non	non	ADJ
ejge-10853	70	16	-	-	ADJ
ejge-10853	70	17	performing	perform	VERB
ejge-10853	70	18	assets	asset	NOUN
ejge-10853	70	19	;	;	PUNCT
ejge-10853	70	20	liquidity	liquidity	NOUN
ejge-10853	70	21	management	management	NOUN
ejge-10853	70	22	;	;	PUNCT
ejge-10853	70	23	size	size	NOUN
ejge-10853	70	24	;	;	PUNCT
ejge-10853	70	25	concentration	concentration	NOUN
ejge-10853	70	26	and	and	CCONJ
ejge-10853	70	27	inflation	inflation	NOUN
ejge-10853	70	28	target	target	NOUN
ejge-10853	70	29	.	.	PUNCT
ejge-10853	71	1	the	the	DET
ejge-10853	71	2	profitability	profitability	NOUN
ejge-10853	71	3	of	of	ADP
ejge-10853	71	4	banks	bank	NOUN
ejge-10853	71	5	is	be	AUX
ejge-10853	71	6	positively	positively	ADV
ejge-10853	71	7	correlated	correlate	VERB
ejge-10853	71	8	with	with	ADP
ejge-10853	71	9	the	the	DET
ejge-10853	71	10	interest	interest	NOUN
ejge-10853	71	11	spread	spread	NOUN
ejge-10853	71	12	.	.	PUNCT
ejge-10853	72	1	while	while	SCONJ
ejge-10853	72	2	non	non	ADJ
ejge-10853	72	3	-	-	ADJ
ejge-10853	72	4	performing	perform	VERB
ejge-10853	72	5	assets	asset	NOUN
ejge-10853	72	6	and	and	CCONJ
ejge-10853	72	7	concentration	concentration	NOUN
ejge-10853	72	8	have	have	VERB
ejge-10853	72	9	a	a	DET
ejge-10853	72	10	strong	strong	ADJ
ejge-10853	72	11	negative	negative	ADJ
ejge-10853	72	12	influence	influence	NOUN
ejge-10853	72	13	on	on	ADP
ejge-10853	72	14	roa	roa	PROPN
ejge-10853	72	15	,	,	PUNCT
ejge-10853	72	16	capital	capital	NOUN
ejge-10853	72	17	sufficiency	sufficiency	NOUN
ejge-10853	72	18	,	,	PUNCT
ejge-10853	72	19	net	net	ADJ
ejge-10853	72	20	interest	interest	NOUN
ejge-10853	72	21	margin	margin	NOUN
ejge-10853	72	22	and	and	CCONJ
ejge-10853	72	23	liquidity	liquidity	NOUN
ejge-10853	72	24	management	management	NOUN
ejge-10853	72	25	have	have	VERB
ejge-10853	72	26	a	a	DET
ejge-10853	72	27	considerable	considerable	ADJ
ejge-10853	72	28	positive	positive	ADJ
ejge-10853	72	29	association	association	NOUN
ejge-10853	72	30	.	.	PUNCT
ejge-10853	73	1	mashamba	mashamba	PROPN
ejge-10853	73	2	and	and	CCONJ
ejge-10853	73	3	chikutuma	chikutuma	PROPN
ejge-10853	73	4	(	(	PUNCT
ejge-10853	73	5	2023	2023	NUM
ejge-10853	73	6	)	)	PUNCT
ejge-10853	73	7	11	11	NUM
ejge-10853	73	8	zimbabwean	zimbabwean	ADJ
ejge-10853	73	9	banks	bank	NOUN
ejge-10853	73	10	in	in	ADP
ejge-10853	73	11	the	the	DET
ejge-10853	73	12	period	period	NOUN
ejge-10853	73	13	(	(	PUNCT
ejge-10853	73	14	2011	2011	NUM
ejge-10853	73	15	2020	2020	NUM
ejge-10853	73	16	)	)	PUNCT
ejge-10853	73	17	.	.	PUNCT
ejge-10853	74	1	roa	roa	PROPN
ejge-10853	74	2	;	;	PUNCT
ejge-10853	74	3	roe	roe	PROPN
ejge-10853	74	4	and	and	CCONJ
ejge-10853	74	5	nim	nim	PROPN
ejge-10853	74	6	.	.	PROPN
ejge-10853	74	7	income	income	NOUN
ejge-10853	74	8	diversification	diversification	NOUN
ejge-10853	74	9	;	;	PUNCT
ejge-10853	74	10	liquidity	liquidity	NOUN
ejge-10853	74	11	;	;	PUNCT
ejge-10853	74	12	cost	cost	NOUN
ejge-10853	74	13	-	-	PUNCT
ejge-10853	74	14	toincome	toincome	NOUN
ejge-10853	74	15	;	;	PUNCT
ejge-10853	74	16	capital	capital	NOUN
ejge-10853	74	17	adequacy	adequacy	NOUN
ejge-10853	74	18	;	;	PUNCT
ejge-10853	74	19	credit	credit	NOUN
ejge-10853	74	20	risk	risk	NOUN
ejge-10853	74	21	;	;	PUNCT
ejge-10853	74	22	gdp	gdp	NOUN
ejge-10853	74	23	;	;	PUNCT
ejge-10853	74	24	inflation	inflation	NOUN
ejge-10853	74	25	target	target	NOUN
ejge-10853	74	26	;	;	PUNCT
ejge-10853	74	27	market	market	NOUN
ejge-10853	74	28	structure	structure	NOUN
ejge-10853	74	29	and	and	CCONJ
ejge-10853	74	30	bank	bank	NOUN
ejge-10853	74	31	stability	stability	NOUN
ejge-10853	74	32	.	.	PUNCT
ejge-10853	75	1	this	this	DET
ejge-10853	75	2	research	research	NOUN
ejge-10853	75	3	considers	consider	VERB
ejge-10853	75	4	a	a	DET
ejge-10853	75	5	positive	positive	ADJ
ejge-10853	75	6	relationship	relationship	NOUN
ejge-10853	75	7	between	between	ADP
ejge-10853	75	8	the	the	DET
ejge-10853	75	9	cost	cost	NOUN
ejge-10853	75	10	-	-	PUNCT
ejge-10853	75	11	toincome	toincome	NOUN
ejge-10853	75	12	ratio	ratio	NOUN
ejge-10853	75	13	and	and	CCONJ
ejge-10853	75	14	bank	bank	NOUN
ejge-10853	75	15	profitability	profitability	NOUN
ejge-10853	75	16	.	.	PUNCT
ejge-10853	76	1	the	the	DET
ejge-10853	76	2	study	study	NOUN
ejge-10853	76	3	reports	report	VERB
ejge-10853	76	4	that	that	SCONJ
ejge-10853	76	5	gdp	gdp	NOUN
ejge-10853	76	6	and	and	CCONJ
ejge-10853	76	7	inflation	inflation	NOUN
ejge-10853	76	8	do	do	AUX
ejge-10853	76	9	not	not	PART
ejge-10853	76	10	have	have	VERB
ejge-10853	76	11	a	a	DET
ejge-10853	76	12	significant	significant	ADJ
ejge-10853	76	13	effect	effect	NOUN
ejge-10853	76	14	on	on	ADP
ejge-10853	76	15	bank	bank	NOUN
ejge-10853	76	16	profitability	profitability	NOUN
ejge-10853	76	17	in	in	ADP
ejge-10853	76	18	zimbabwe	zimbabwe	PROPN
ejge-10853	76	19	.	.	PUNCT
ejge-10853	77	1	puci	puci	PROPN
ejge-10853	77	2	et	et	PROPN
ejge-10853	77	3	al	al	PROPN
ejge-10853	77	4	.	.	PROPN
ejge-10853	78	1	(	(	PUNCT
ejge-10853	78	2	2023	2023	NUM
ejge-10853	78	3	)	)	PUNCT
ejge-10853	78	4	12	12	NUM
ejge-10853	78	5	albanian	albanian	ADJ
ejge-10853	78	6	banks	bank	NOUN
ejge-10853	78	7	between	between	ADP
ejge-10853	78	8	2011	2011	NUM
ejge-10853	78	9	and	and	CCONJ
ejge-10853	78	10	2020	2020	NUM
ejge-10853	78	11	.	.	PUNCT
ejge-10853	79	1	roa	roa	PROPN
ejge-10853	79	2	and	and	CCONJ
ejge-10853	79	3	nim	nim	PROPN
ejge-10853	79	4	.	.	PROPN
ejge-10853	80	1	gdp	gdp	NOUN
ejge-10853	80	2	growth	growth	NOUN
ejge-10853	80	3	rates	rate	NOUN
ejge-10853	80	4	;	;	PUNCT
ejge-10853	80	5	unemployment	unemployment	NOUN
ejge-10853	80	6	rates	rate	NOUN
ejge-10853	80	7	;	;	PUNCT
ejge-10853	80	8	interest	interest	NOUN
ejge-10853	80	9	rates	rate	NOUN
ejge-10853	80	10	;	;	PUNCT
ejge-10853	80	11	inflation	inflation	NOUN
ejge-10853	80	12	target	target	NOUN
ejge-10853	80	13	and	and	CCONJ
ejge-10853	80	14	loan	loan	NOUN
ejge-10853	80	15	loss	loss	NOUN
ejge-10853	80	16	reserves	reserve	NOUN
ejge-10853	80	17	.	.	PUNCT
ejge-10853	81	1	the	the	DET
ejge-10853	81	2	study	study	NOUN
ejge-10853	81	3	looked	look	VERB
ejge-10853	81	4	at	at	ADP
ejge-10853	81	5	roa	roa	PROPN
ejge-10853	81	6	.	.	PUNCT
ejge-10853	82	1	although	although	SCONJ
ejge-10853	82	2	there	there	PRON
ejge-10853	82	3	has	have	AUX
ejge-10853	82	4	been	be	AUX
ejge-10853	82	5	some	some	DET
ejge-10853	82	6	fluctuation	fluctuation	NOUN
ejge-10853	82	7	in	in	ADP
ejge-10853	82	8	albania	albania	PROPN
ejge-10853	82	9	's	's	PART
ejge-10853	82	10	financial	financial	ADJ
ejge-10853	82	11	industry	industry	NOUN
ejge-10853	82	12	over	over	ADP
ejge-10853	82	13	the	the	DET
ejge-10853	82	14	past	past	ADJ
ejge-10853	82	15	four	four	NUM
ejge-10853	82	16	years	year	NOUN
ejge-10853	82	17	,	,	PUNCT
ejge-10853	82	18	the	the	DET
ejge-10853	82	19	roa	roa	NOUN
ejge-10853	82	20	has	have	AUX
ejge-10853	82	21	improved	improve	VERB
ejge-10853	82	22	dramatically	dramatically	ADV
ejge-10853	82	23	.	.	PUNCT
ejge-10853	83	1	albanian	albanian	ADJ
ejge-10853	83	2	banks	bank	NOUN
ejge-10853	83	3	'	'	PART
ejge-10853	83	4	profitability	profitability	NOUN
ejge-10853	83	5	was	be	AUX
ejge-10853	83	6	significantly	significantly	ADV
ejge-10853	83	7	negatively	negatively	ADV
ejge-10853	83	8	impacted	impact	VERB
ejge-10853	83	9	by	by	ADP
ejge-10853	83	10	gdp	gdp	NOUN
ejge-10853	83	11	growth	growth	NOUN
ejge-10853	83	12	,	,	PUNCT
ejge-10853	83	13	inflation	inflation	NOUN
ejge-10853	83	14	target	target	NOUN
ejge-10853	83	15	,	,	PUNCT
ejge-10853	83	16	and	and	CCONJ
ejge-10853	83	17	interest	interest	NOUN
ejge-10853	83	18	rates	rate	NOUN
ejge-10853	83	19	between	between	ADP
ejge-10853	83	20	2011	2011	NUM
ejge-10853	83	21	and	and	CCONJ
ejge-10853	83	22	2020	2020	NUM
ejge-10853	83	23	.	.	PUNCT
ejge-10853	84	1	qehajakeka	qehajakeka	PROPN
ejge-10853	84	2	et	et	PROPN
ejge-10853	84	3	al	al	PROPN
ejge-10853	84	4	.	.	PROPN
ejge-10853	85	1	(	(	PUNCT
ejge-10853	85	2	2023	2023	NUM
ejge-10853	85	3	)	)	PUNCT
ejge-10853	85	4	400	400	NUM
ejge-10853	85	5	banks	bank	NOUN
ejge-10853	85	6	of	of	ADP
ejge-10853	85	7	kosovo	kosovo	PROPN
ejge-10853	85	8	and	and	CCONJ
ejge-10853	85	9	albania	albania	PROPN
ejge-10853	85	10	in	in	ADP
ejge-10853	85	11	the	the	DET
ejge-10853	85	12	period	period	NOUN
ejge-10853	85	13	(	(	PUNCT
ejge-10853	85	14	2010	2010	NUM
ejge-10853	85	15	2020	2020	NUM
ejge-10853	85	16	)	)	PUNCT
ejge-10853	85	17	.	.	PUNCT
ejge-10853	86	1	roa	roa	PROPN
ejge-10853	86	2	and	and	CCONJ
ejge-10853	86	3	roe	roe	PROPN
ejge-10853	86	4	.	.	PUNCT
ejge-10853	87	1	number	number	NOUN
ejge-10853	87	2	of	of	ADP
ejge-10853	87	3	loans	loan	NOUN
ejge-10853	87	4	;	;	PUNCT
ejge-10853	87	5	number	number	NOUN
ejge-10853	87	6	of	of	ADP
ejge-10853	87	7	employees	employee	NOUN
ejge-10853	87	8	;	;	PUNCT
ejge-10853	87	9	nonperforming	nonperforme	VERB
ejge-10853	87	10	loans	loan	NOUN
ejge-10853	87	11	and	and	CCONJ
ejge-10853	87	12	interest	interest	NOUN
ejge-10853	87	13	rate	rate	NOUN
ejge-10853	87	14	.	.	PUNCT
ejge-10853	88	1	the	the	DET
ejge-10853	88	2	research	research	NOUN
ejge-10853	88	3	concluded	conclude	VERB
ejge-10853	88	4	that	that	SCONJ
ejge-10853	88	5	number	number	NOUN
ejge-10853	88	6	of	of	ADP
ejge-10853	88	7	workers	worker	NOUN
ejge-10853	88	8	,	,	PUNCT
ejge-10853	88	9	interest	interest	NOUN
ejge-10853	88	10	rate	rate	NOUN
ejge-10853	88	11	on	on	ADP
ejge-10853	88	12	loans	loan	NOUN
ejge-10853	88	13	,	,	PUNCT
ejge-10853	88	14	and	and	CCONJ
ejge-10853	88	15	percentage	percentage	NOUN
ejge-10853	88	16	of	of	ADP
ejge-10853	88	17	loans	loan	NOUN
ejge-10853	88	18	in	in	ADP
ejge-10853	88	19	default	default	NOUN
ejge-10853	88	20	affected	affect	VERB
ejge-10853	88	21	the	the	DET
ejge-10853	88	22	banks	bank	NOUN
ejge-10853	88	23	’	'	PUNCT
ejge-10853	88	24	profitability	profitability	NOUN
ejge-10853	88	25	.	.	PUNCT
ejge-10853	89	1	however	however	ADV
ejge-10853	89	2	,	,	PUNCT
ejge-10853	89	3	the	the	DET
ejge-10853	89	4	number	number	NOUN
ejge-10853	89	5	of	of	ADP
ejge-10853	89	6	bank	bank	NOUN
ejge-10853	89	7	employees	employee	NOUN
ejge-10853	89	8	did	do	VERB
ejge-10853	89	9	not	not	PART
ejge-10853	89	10	.	.	PUNCT
ejge-10853	90	1	lamothe	lamothe	VERB
ejge-10853	90	2	et	et	PROPN
ejge-10853	90	3	al	al	PROPN
ejge-10853	90	4	.	.	PROPN
ejge-10853	91	1	(	(	PUNCT
ejge-10853	91	2	2024	2024	NUM
ejge-10853	91	3	)	)	PUNCT
ejge-10853	91	4	2091	2091	NUM
ejge-10853	91	5	banks	bank	NOUN
ejge-10853	91	6	from	from	ADP
ejge-10853	91	7	110	110	NUM
ejge-10853	91	8	countries	country	NOUN
ejge-10853	91	9	roe	roe	NOUN
ejge-10853	91	10	;	;	PUNCT
ejge-10853	91	11	roa	roa	PROPN
ejge-10853	91	12	;	;	PUNCT
ejge-10853	91	13	nim	nim	PROPN
ejge-10853	91	14	.	.	PUNCT
ejge-10853	92	1	non	non	ADJ
ejge-10853	92	2	-	-	ADJ
ejge-10853	92	3	performing	perform	VERB
ejge-10853	92	4	loans	loan	NOUN
ejge-10853	92	5	;	;	PUNCT
ejge-10853	92	6	efficiency	efficiency	NOUN
ejge-10853	92	7	ratio	ratio	NOUN
ejge-10853	92	8	;	;	PUNCT
ejge-10853	92	9	gross	gross	ADJ
ejge-10853	92	10	margin	margin	NOUN
ejge-10853	92	11	;	;	PUNCT
ejge-10853	92	12	the	the	DET
ejge-10853	92	13	findings	finding	NOUN
ejge-10853	92	14	show	show	VERB
ejge-10853	92	15	that	that	SCONJ
ejge-10853	92	16	default	default	NOUN
ejge-10853	92	17	loans	loan	NOUN
ejge-10853	92	18	,	,	PUNCT
ejge-10853	92	19	efficiency	efficiency	NOUN
ejge-10853	92	20	,	,	PUNCT
ejge-10853	92	21	gross	gross	ADJ
ejge-10853	92	22	margin	margin	NOUN
ejge-10853	92	23	,	,	PUNCT
ejge-10853	92	24	capitalization	capitalization	NOUN
ejge-10853	92	25	,	,	PUNCT
ejge-10853	92	26	interest	interest	NOUN
ejge-10853	92	27	rates	rate	NOUN
ejge-10853	92	28	and	and	CCONJ
ejge-10853	92	29	gdp	gdp	NOUN
ejge-10853	92	30	growth	growth	NOUN
ejge-10853	92	31	have	have	VERB
ejge-10853	92	32	a	a	DET
ejge-10853	92	33	banks	bank	NOUN
ejge-10853	92	34	’	'	PUNCT
ejge-10853	92	35	profitability	profitability	NOUN
ejge-10853	92	36	in	in	ADP
ejge-10853	92	37	portugal	portugal	PROPN
ejge-10853	92	38	from	from	ADP
ejge-10853	92	39	2013	2013	NUM
ejge-10853	92	40	to	to	ADP
ejge-10853	92	41	2023	2023	NUM
ejge-10853	92	42	authors	author	NOUN
ejge-10853	92	43	data	data	VERB
ejge-10853	92	44	variables	variable	NOUN
ejge-10853	92	45	conclusions	conclusion	NOUN
ejge-10853	92	46	dependent	dependent	ADJ
ejge-10853	92	47	independent	independent	ADJ
ejge-10853	92	48	(	(	PUNCT
ejge-10853	92	49	moody	moody	NOUN
ejge-10853	92	50	's	's	PART
ejge-10853	92	51	database	database	NOUN
ejge-10853	92	52	)	)	PUNCT
ejge-10853	92	53	.	.	PUNCT
ejge-10853	93	1	cash	cash	NOUN
ejge-10853	93	2	liabilities	liability	NOUN
ejge-10853	93	3	ratio	ratio	NOUN
ejge-10853	93	4	;	;	PUNCT
ejge-10853	93	5	customer	customer	NOUN
ejge-10853	93	6	deposits	deposit	NOUN
ejge-10853	93	7	;	;	PUNCT
ejge-10853	93	8	customer	customer	NOUN
ejge-10853	93	9	loans	loan	NOUN
ejge-10853	93	10	;	;	PUNCT
ejge-10853	93	11	inflation	inflation	NOUN
ejge-10853	93	12	target	target	NOUN
ejge-10853	93	13	;	;	PUNCT
ejge-10853	93	14	capitalization	capitalization	NOUN
ejge-10853	93	15	;	;	PUNCT
ejge-10853	93	16	unemployment	unemployment	NOUN
ejge-10853	93	17	;	;	PUNCT
ejge-10853	93	18	gdp	gdp	NOUN
ejge-10853	93	19	and	and	CCONJ
ejge-10853	93	20	interest	interest	NOUN
ejge-10853	93	21	rates	rate	NOUN
ejge-10853	93	22	.	.	PUNCT
ejge-10853	94	1	negative	negative	ADJ
ejge-10853	94	2	and	and	CCONJ
ejge-10853	94	3	statistically	statistically	ADV
ejge-10853	94	4	significant	significant	ADJ
ejge-10853	94	5	impact	impact	NOUN
ejge-10853	94	6	on	on	ADP
ejge-10853	94	7	banks	bank	NOUN
ejge-10853	94	8	’	'	PUNCT
ejge-10853	94	9	profitability	profitability	NOUN
ejge-10853	94	10	.	.	PUNCT
ejge-10853	95	1	martinho	martinho	NOUN
ejge-10853	95	2	et	et	PROPN
ejge-10853	95	3	al	al	PROPN
ejge-10853	95	4	.	.	PROPN
ejge-10853	96	1	(	(	PUNCT
ejge-10853	96	2	2024	2024	NUM
ejge-10853	96	3	)	)	PUNCT
ejge-10853	96	4	110	110	NUM
ejge-10853	96	5	european	european	ADJ
ejge-10853	96	6	banks	bank	NOUN
ejge-10853	96	7	(	(	PUNCT
ejge-10853	96	8	bankscope	bankscope	NOUN
ejge-10853	96	9	database	database	NOUN
ejge-10853	96	10	)	)	PUNCT
ejge-10853	96	11	.	.	PUNCT
ejge-10853	97	1	roa	roa	PROPN
ejge-10853	97	2	and	and	CCONJ
ejge-10853	97	3	nim	nim	PROPN
ejge-10853	97	4	.	.	PUNCT
ejge-10853	98	1	interest	interest	NOUN
ejge-10853	98	2	income	income	NOUN
ejge-10853	98	3	;	;	PUNCT
ejge-10853	98	4	interest	interest	NOUN
ejge-10853	98	5	expenses	expense	NOUN
ejge-10853	98	6	;	;	PUNCT
ejge-10853	98	7	tier	tier	NOUN
ejge-10853	98	8	;	;	PUNCT
ejge-10853	99	1	cost	cost	NOUN
ejge-10853	99	2	-	-	PUNCT
ejge-10853	99	3	to	to	ADP
ejge-10853	99	4	-	-	PUNCT
ejge-10853	99	5	income	income	NOUN
ejge-10853	99	6	;	;	PUNCT
ejge-10853	99	7	impairments	impairment	NOUN
ejge-10853	99	8	;	;	PUNCT
ejge-10853	99	9	bank	bank	NOUN
ejge-10853	99	10	size	size	NOUN
ejge-10853	99	11	;	;	PUNCT
ejge-10853	99	12	gdp	gdp	NOUN
ejge-10853	99	13	growth	growth	NOUN
ejge-10853	99	14	;	;	PUNCT
ejge-10853	99	15	three	three	NUM
ejge-10853	99	16	-	-	PUNCT
ejge-10853	99	17	month	month	NOUN
ejge-10853	99	18	euribor	euribor	NOUN
ejge-10853	99	19	.	.	PUNCT
ejge-10853	100	1	substantial	substantial	ADJ
ejge-10853	100	2	declines	decline	NOUN
ejge-10853	100	3	in	in	ADP
ejge-10853	100	4	average	average	ADJ
ejge-10853	100	5	bank	bank	NOUN
ejge-10853	100	6	roa	roa	NOUN
ejge-10853	100	7	can	can	AUX
ejge-10853	100	8	be	be	AUX
ejge-10853	100	9	attributed	attribute	VERB
ejge-10853	100	10	to	to	ADP
ejge-10853	100	11	unfavourable	unfavourable	ADJ
ejge-10853	100	12	economic	economic	ADJ
ejge-10853	100	13	situations	situation	NOUN
ejge-10853	100	14	and	and	CCONJ
ejge-10853	100	15	variations	variation	NOUN
ejge-10853	100	16	in	in	ADP
ejge-10853	100	17	interest	interest	NOUN
ejge-10853	100	18	rates	rate	NOUN
ejge-10853	100	19	.	.	PUNCT
ejge-10853	101	1	notably	notably	ADV
ejge-10853	101	2	,	,	PUNCT
ejge-10853	101	3	bank	bank	NOUN
ejge-10853	101	4	profitability	profitability	NOUN
ejge-10853	101	5	is	be	AUX
ejge-10853	101	6	positively	positively	ADV
ejge-10853	101	7	impacted	impact	VERB
ejge-10853	101	8	by	by	ADP
ejge-10853	101	9	gdp	gdp	PROPN
ejge-10853	101	10	.	.	PUNCT
ejge-10853	102	1	the	the	DET
ejge-10853	102	2	three	three	NUM
ejge-10853	102	3	-	-	PUNCT
ejge-10853	102	4	month	month	NOUN
ejge-10853	102	5	euribor	euribor	NOUN
ejge-10853	102	6	has	have	VERB
ejge-10853	102	7	a	a	DET
ejge-10853	102	8	positive	positive	ADJ
ejge-10853	102	9	and	and	CCONJ
ejge-10853	102	10	significant	significant	ADJ
ejge-10853	102	11	impact	impact	NOUN
ejge-10853	102	12	on	on	ADP
ejge-10853	102	13	roa	roa	PROPN
ejge-10853	102	14	.	.	PUNCT
ejge-10853	102	15	source	source	NOUN
ejge-10853	102	16	:	:	PUNCT
ejge-10853	102	17	own	own	ADJ
ejge-10853	102	18	elaboration	elaboration	NOUN
ejge-10853	102	19	.	.	PUNCT
ejge-10853	103	1	the	the	DET
ejge-10853	103	2	literature	literature	PROPN
ejge-10853	103	3	review	review	NOUN
ejge-10853	103	4	found	find	VERB
ejge-10853	103	5	that	that	SCONJ
ejge-10853	103	6	,	,	PUNCT
ejge-10853	103	7	like	like	ADP
ejge-10853	103	8	our	our	PRON
ejge-10853	103	9	study	study	NOUN
ejge-10853	103	10	,	,	PUNCT
ejge-10853	103	11	many	many	ADJ
ejge-10853	103	12	authors	author	NOUN
ejge-10853	103	13	used	use	VERB
ejge-10853	103	14	return	return	NOUN
ejge-10853	103	15	on	on	ADP
ejge-10853	103	16	equity	equity	NOUN
ejge-10853	103	17	(	(	PUNCT
ejge-10853	103	18	roe	roe	PROPN
ejge-10853	103	19	)	)	PUNCT
ejge-10853	103	20	and	and	CCONJ
ejge-10853	103	21	return	return	VERB
ejge-10853	103	22	on	on	ADP
ejge-10853	103	23	assets	asset	NOUN
ejge-10853	103	24	(	(	PUNCT
ejge-10853	103	25	roa	roa	NOUN
ejge-10853	103	26	)	)	PUNCT
ejge-10853	103	27	to	to	PART
ejge-10853	103	28	explain	explain	VERB
ejge-10853	103	29	banking	banking	NOUN
ejge-10853	103	30	profitability	profitability	NOUN
ejge-10853	103	31	(	(	PUNCT
ejge-10853	103	32	e.g.	e.g.	ADV
ejge-10853	103	33	,	,	PUNCT
ejge-10853	103	34	neves	neve	NOUN
ejge-10853	103	35	et	et	PROPN
ejge-10853	103	36	al	al	PROPN
ejge-10853	103	37	.	.	PROPN
ejge-10853	103	38	,	,	PUNCT
ejge-10853	103	39	2020	2020	NUM
ejge-10853	103	40	;	;	PUNCT
ejge-10853	103	41	nunes	nune	NOUN
ejge-10853	103	42	,	,	PUNCT
ejge-10853	103	43	2021	2021	NUM
ejge-10853	103	44	;	;	PUNCT
ejge-10853	104	1	yuan	yuan	NOUN
ejge-10853	104	2	et	et	PROPN
ejge-10853	104	3	al	al	PROPN
ejge-10853	104	4	.	.	PROPN
ejge-10853	104	5	,	,	PUNCT
ejge-10853	104	6	2022	2022	NUM
ejge-10853	104	7	;	;	PUNCT
ejge-10853	104	8	qehaja	qehaja	NOUN
ejge-10853	104	9	-	-	PUNCT
ejge-10853	104	10	keka	keka	NOUN
ejge-10853	104	11	et	et	PROPN
ejge-10853	104	12	al	al	PROPN
ejge-10853	104	13	.	.	PROPN
ejge-10853	104	14	,	,	PUNCT
ejge-10853	104	15	2023	2023	NUM
ejge-10853	104	16	)	)	PUNCT
ejge-10853	104	17	.	.	PUNCT
ejge-10853	105	1	usually	usually	ADV
ejge-10853	105	2	,	,	PUNCT
ejge-10853	105	3	the	the	DET
ejge-10853	105	4	dependent	dependent	ADJ
ejge-10853	105	5	variables	variable	NOUN
ejge-10853	105	6	used	use	VERB
ejge-10853	105	7	to	to	PART
ejge-10853	105	8	measure	measure	VERB
ejge-10853	105	9	profitability	profitability	NOUN
ejge-10853	105	10	are	be	AUX
ejge-10853	105	11	the	the	DET
ejge-10853	105	12	return	return	NOUN
ejge-10853	105	13	on	on	ADP
ejge-10853	105	14	equity	equity	NOUN
ejge-10853	105	15	(	(	PUNCT
ejge-10853	105	16	roe	roe	PROPN
ejge-10853	105	17	)	)	PUNCT
ejge-10853	105	18	and	and	CCONJ
ejge-10853	105	19	the	the	DET
ejge-10853	105	20	return	return	NOUN
ejge-10853	105	21	on	on	ADP
ejge-10853	105	22	assets	asset	NOUN
ejge-10853	105	23	(	(	PUNCT
ejge-10853	105	24	roa	roa	NOUN
ejge-10853	105	25	)	)	PUNCT
ejge-10853	105	26	.	.	PUNCT
ejge-10853	106	1	while	while	SCONJ
ejge-10853	106	2	roe	roe	PROPN
ejge-10853	106	3	expresses	express	VERB
ejge-10853	106	4	the	the	DET
ejge-10853	106	5	net	net	ADJ
ejge-10853	106	6	return	return	NOUN
ejge-10853	106	7	of	of	ADP
ejge-10853	106	8	the	the	DET
ejge-10853	106	9	capital	capital	NOUN
ejge-10853	106	10	invested	invest	VERB
ejge-10853	106	11	by	by	ADP
ejge-10853	106	12	the	the	DET
ejge-10853	106	13	shareholders	shareholder	NOUN
ejge-10853	106	14	,	,	PUNCT
ejge-10853	106	15	the	the	DET
ejge-10853	106	16	roa	roa	NOUN
ejge-10853	106	17	shows	show	VERB
ejge-10853	106	18	the	the	DET
ejge-10853	106	19	net	net	ADJ
ejge-10853	106	20	relative	relative	ADJ
ejge-10853	106	21	profit	profit	NOUN
ejge-10853	106	22	produced	produce	VERB
ejge-10853	106	23	by	by	ADP
ejge-10853	106	24	the	the	DET
ejge-10853	106	25	bank	bank	NOUN
ejge-10853	106	26	's	's	PART
ejge-10853	106	27	total	total	ADJ
ejge-10853	106	28	assets	asset	NOUN
ejge-10853	106	29	and	and	CCONJ
ejge-10853	106	30	is	be	AUX
ejge-10853	106	31	considered	consider	VERB
ejge-10853	106	32	a	a	DET
ejge-10853	106	33	measure	measure	NOUN
ejge-10853	106	34	of	of	ADP
ejge-10853	106	35	management	management	NOUN
ejge-10853	106	36	efficiency	efficiency	NOUN
ejge-10853	106	37	(	(	PUNCT
ejge-10853	106	38	petria	petria	NOUN
ejge-10853	106	39	et	et	PROPN
ejge-10853	106	40	al	al	PROPN
ejge-10853	106	41	.	.	PROPN
ejge-10853	106	42	,	,	PUNCT
ejge-10853	106	43	2015	2015	NUM
ejge-10853	106	44	)	)	PUNCT
ejge-10853	106	45	.	.	PUNCT
ejge-10853	107	1	in	in	ADP
ejge-10853	107	2	our	our	PRON
ejge-10853	107	3	study	study	NOUN
ejge-10853	107	4	,	,	PUNCT
ejge-10853	107	5	we	we	PRON
ejge-10853	107	6	apply	apply	VERB
ejge-10853	107	7	roe	roe	NOUN
ejge-10853	107	8	and	and	CCONJ
ejge-10853	107	9	roa	roa	NOUN
ejge-10853	107	10	to	to	PART
ejge-10853	107	11	measure	measure	VERB
ejge-10853	107	12	the	the	DET
ejge-10853	107	13	profitability	profitability	NOUN
ejge-10853	107	14	of	of	ADP
ejge-10853	107	15	portuguese	portuguese	ADJ
ejge-10853	107	16	banks	bank	NOUN
ejge-10853	107	17	(	(	PUNCT
ejge-10853	107	18	pires	pire	NOUN
ejge-10853	107	19	,	,	PUNCT
ejge-10853	107	20	basílio	basílio	PROPN
ejge-10853	107	21	&	&	CCONJ
ejge-10853	107	22	borralho,2021	borralho,2021	PROPN
ejge-10853	107	23	)	)	PUNCT
ejge-10853	107	24	.	.	PUNCT
ejge-10853	108	1	some	some	DET
ejge-10853	108	2	researchers	researcher	NOUN
ejge-10853	108	3	applied	apply	VERB
ejge-10853	108	4	roe	roe	PROPN
ejge-10853	108	5	,	,	PUNCT
ejge-10853	108	6	roa	roa	PROPN
ejge-10853	108	7	and	and	CCONJ
ejge-10853	108	8	nim	nim	PROPN
ejge-10853	108	9	as	as	ADP
ejge-10853	108	10	the	the	DET
ejge-10853	108	11	dependent	dependent	ADJ
ejge-10853	108	12	variable	variable	NOUN
ejge-10853	108	13	(	(	PUNCT
ejge-10853	108	14	e.g.	e.g.	ADV
ejge-10853	108	15	haddad	haddad	PROPN
ejge-10853	108	16	et	et	PROPN
ejge-10853	108	17	al	al	PROPN
ejge-10853	108	18	.	.	PROPN
ejge-10853	108	19	,	,	PUNCT
ejge-10853	108	20	2019	2019	NUM
ejge-10853	108	21	;	;	PUNCT
ejge-10853	108	22	mota	mota	PROPN
ejge-10853	108	23	et	et	PROPN
ejge-10853	108	24	al	al	PROPN
ejge-10853	108	25	.	.	PROPN
ejge-10853	108	26	,	,	PUNCT
ejge-10853	108	27	2019	2019	NUM
ejge-10853	108	28	;	;	PUNCT
ejge-10853	108	29	kasanaa	kasanaa	PROPN
ejge-10853	108	30	et	et	PROPN
ejge-10853	108	31	al	al	PROPN
ejge-10853	108	32	.	.	PROPN
ejge-10853	108	33	,	,	PUNCT
ejge-10853	108	34	2023	2023	NUM
ejge-10853	108	35	;	;	PUNCT
ejge-10853	108	36	mashamba	mashamba	NOUN
ejge-10853	108	37	and	and	CCONJ
ejge-10853	108	38	chikutuma	chikutuma	PROPN
ejge-10853	108	39	2023	2023	NUM
ejge-10853	108	40	and	and	CCONJ
ejge-10853	108	41	lamothe	lamothe	INTJ
ejge-10853	108	42	et	et	PROPN
ejge-10853	108	43	al	al	PROPN
ejge-10853	108	44	.	.	PROPN
ejge-10853	108	45	,	,	PUNCT
ejge-10853	108	46	2024	2024	NUM
ejge-10853	108	47	)	)	PUNCT
ejge-10853	108	48	.	.	PUNCT
ejge-10853	109	1	on	on	ADP
ejge-10853	109	2	the	the	DET
ejge-10853	109	3	other	other	ADJ
ejge-10853	109	4	hand	hand	NOUN
ejge-10853	109	5	,	,	PUNCT
ejge-10853	109	6	about	about	ADP
ejge-10853	109	7	explanatory	explanatory	ADJ
ejge-10853	109	8	variables	variable	NOUN
ejge-10853	109	9	,	,	PUNCT
ejge-10853	109	10	most	most	ADJ
ejge-10853	109	11	researchers	researcher	NOUN
ejge-10853	109	12	in	in	ADP
ejge-10853	109	13	table	table	NOUN
ejge-10853	109	14	1	1	NUM
ejge-10853	109	15	applied	apply	VERB
ejge-10853	109	16	internal	internal	ADJ
ejge-10853	109	17	variables	variable	NOUN
ejge-10853	109	18	related	relate	VERB
ejge-10853	109	19	to	to	ADP
ejge-10853	109	20	credit	credit	NOUN
ejge-10853	109	21	quality	quality	NOUN
ejge-10853	109	22	,	,	PUNCT
ejge-10853	109	23	bank	bank	NOUN
ejge-10853	109	24	size	size	NOUN
ejge-10853	109	25	,	,	PUNCT
ejge-10853	109	26	and	and	CCONJ
ejge-10853	109	27	capital	capital	NOUN
ejge-10853	109	28	adequacy	adequacy	NOUN
ejge-10853	109	29	or	or	CCONJ
ejge-10853	109	30	bank	bank	NOUN
ejge-10853	109	31	solvability	solvability	NOUN
ejge-10853	109	32	.	.	PUNCT
ejge-10853	110	1	regarding	regard	VERB
ejge-10853	110	2	external	external	ADJ
ejge-10853	110	3	variables	variable	NOUN
ejge-10853	110	4	,	,	PUNCT
ejge-10853	110	5	the	the	DET
ejge-10853	110	6	literature	literature	NOUN
ejge-10853	110	7	review	review	NOUN
ejge-10853	110	8	showed	show	VERB
ejge-10853	110	9	that	that	SCONJ
ejge-10853	110	10	inflation	inflation	NOUN
ejge-10853	110	11	target	target	NOUN
ejge-10853	110	12	and	and	CCONJ
ejge-10853	110	13	gdp	gdp	NOUN
ejge-10853	110	14	are	be	AUX
ejge-10853	110	15	the	the	DET
ejge-10853	110	16	most	most	ADV
ejge-10853	110	17	applied	apply	VERB
ejge-10853	110	18	.	.	PUNCT
ejge-10853	111	1	in	in	ADP
ejge-10853	111	2	our	our	PRON
ejge-10853	111	3	study	study	NOUN
ejge-10853	111	4	,	,	PUNCT
ejge-10853	111	5	we	we	PRON
ejge-10853	111	6	decided	decide	VERB
ejge-10853	111	7	to	to	PART
ejge-10853	111	8	apply	apply	VERB
ejge-10853	111	9	the	the	DET
ejge-10853	111	10	12	12	NUM
ejge-10853	111	11	-	-	PUNCT
ejge-10853	111	12	month	month	NOUN
ejge-10853	111	13	euribor	euribor	PROPN
ejge-10853	111	14	rate	rate	NOUN
ejge-10853	111	15	.	.	PUNCT
ejge-10853	112	1	table	table	NOUN
ejge-10853	112	2	2	2	NUM
ejge-10853	112	3	lists	list	NOUN
ejge-10853	112	4	articles	article	NOUN
ejge-10853	112	5	whose	whose	DET
ejge-10853	112	6	reading	reading	NOUN
ejge-10853	112	7	proved	prove	VERB
ejge-10853	112	8	to	to	PART
ejge-10853	112	9	be	be	AUX
ejge-10853	112	10	very	very	ADV
ejge-10853	112	11	important	important	ADJ
ejge-10853	112	12	for	for	ADP
ejge-10853	112	13	understanding	understand	VERB
ejge-10853	112	14	this	this	DET
ejge-10853	112	15	topic	topic	NOUN
ejge-10853	112	16	but	but	CCONJ
ejge-10853	112	17	where	where	SCONJ
ejge-10853	112	18	it	it	PRON
ejge-10853	112	19	was	be	AUX
ejge-10853	112	20	difficult	difficult	ADJ
ejge-10853	112	21	to	to	PART
ejge-10853	112	22	establish	establish	VERB
ejge-10853	112	23	a	a	DET
ejge-10853	112	24	comparative	comparative	ADJ
ejge-10853	112	25	analysis	analysis	NOUN
ejge-10853	112	26	with	with	ADP
ejge-10853	112	27	the	the	DET
ejge-10853	112	28	results	result	NOUN
ejge-10853	112	29	obtained	obtain	VERB
ejge-10853	112	30	in	in	ADP
ejge-10853	112	31	this	this	DET
ejge-10853	112	32	study	study	NOUN
ejge-10853	112	33	.	.	PUNCT
ejge-10853	113	1	assessing	assess	VERB
ejge-10853	113	2	the	the	DET
ejge-10853	113	3	profitability	profitability	NOUN
ejge-10853	113	4	of	of	ADP
ejge-10853	113	5	banks	bank	NOUN
ejge-10853	113	6	using	use	VERB
ejge-10853	113	7	panel	panel	NOUN
ejge-10853	113	8	data	datum	NOUN
ejge-10853	113	9	is	be	AUX
ejge-10853	113	10	a	a	DET
ejge-10853	113	11	consolidated	consolidated	ADJ
ejge-10853	113	12	practice	practice	NOUN
ejge-10853	113	13	in	in	ADP
ejge-10853	113	14	the	the	DET
ejge-10853	113	15	literature	literature	NOUN
ejge-10853	113	16	.	.	PUNCT
ejge-10853	114	1	although	although	SCONJ
ejge-10853	114	2	different	different	ADJ
ejge-10853	114	3	econometric	econometric	ADJ
ejge-10853	114	4	methods	method	NOUN
ejge-10853	114	5	may	may	AUX
ejge-10853	114	6	be	be	AUX
ejge-10853	114	7	used	use	VERB
ejge-10853	114	8	,	,	PUNCT
ejge-10853	114	9	all	all	PRON
ejge-10853	114	10	have	have	VERB
ejge-10853	114	11	associated	associate	VERB
ejge-10853	114	12	advantages	advantage	NOUN
ejge-10853	114	13	and	and	CCONJ
ejge-10853	114	14	disadvantages	disadvantage	NOUN
ejge-10853	114	15	.	.	PUNCT
ejge-10853	115	1	thus	thus	ADV
ejge-10853	115	2	,	,	PUNCT
ejge-10853	115	3	in	in	ADP
ejge-10853	115	4	addition	addition	NOUN
ejge-10853	115	5	to	to	ADP
ejge-10853	115	6	the	the	DET
ejge-10853	115	7	works	work	NOUN
ejge-10853	115	8	contained	contain	VERB
ejge-10853	115	9	in	in	ADP
ejge-10853	115	10	the	the	DET
ejge-10853	115	11	two	two	NUM
ejge-10853	115	12	previous	previous	ADJ
ejge-10853	115	13	tables	table	NOUN
ejge-10853	115	14	,	,	PUNCT
ejge-10853	115	15	it	it	PRON
ejge-10853	115	16	is	be	AUX
ejge-10853	115	17	possible	possible	ADJ
ejge-10853	115	18	to	to	PART
ejge-10853	115	19	observe	observe	VERB
ejge-10853	115	20	in	in	ADP
ejge-10853	115	21	these	these	DET
ejge-10853	115	22	works	work	NOUN
ejge-10853	115	23	of	of	ADP
ejge-10853	115	24	,	,	PUNCT
ejge-10853	115	25	among	among	ADP
ejge-10853	115	26	others	other	NOUN
ejge-10853	115	27	,	,	PUNCT
ejge-10853	115	28	adem	adem	PROPN
ejge-10853	115	29	(	(	PUNCT
ejge-10853	115	30	2023	2023	NUM
ejge-10853	115	31	)	)	PUNCT
ejge-10853	115	32	,	,	PUNCT
ejge-10853	115	33	akther	akther	PROPN
ejge-10853	115	34	et	et	PROPN
ejge-10853	115	35	al	al	PROPN
ejge-10853	115	36	.	.	PROPN
ejge-10853	116	1	(	(	PUNCT
ejge-10853	116	2	2023	2023	NUM
ejge-10853	116	3	)	)	PUNCT
ejge-10853	116	4	,	,	PUNCT
ejge-10853	116	5	dogan	dogan	PROPN
ejge-10853	116	6	and	and	CCONJ
ejge-10853	116	7	yildiz	yildiz	PROPN
ejge-10853	116	8	(	(	PUNCT
ejge-10853	116	9	2022	2022	NUM
ejge-10853	116	10	)	)	PUNCT
ejge-10853	116	11	,	,	PUNCT
ejge-10853	116	12	jílková	jílková	PROPN
ejge-10853	116	13	and	and	CCONJ
ejge-10853	116	14	kotěšovcová	kotěšovcová	PROPN
ejge-10853	116	15	(	(	PUNCT
ejge-10853	116	16	2022	2022	NUM
ejge-10853	116	17	)	)	PUNCT
ejge-10853	116	18	,	,	PUNCT
ejge-10853	116	19	kotte	kotte	PROPN
ejge-10853	116	20	et	et	PROPN
ejge-10853	116	21	al	al	PROPN
ejge-10853	116	22	.	.	PROPN
ejge-10853	117	1	(	(	PUNCT
ejge-10853	117	2	2022	2022	NUM
ejge-10853	117	3	)	)	PUNCT
ejge-10853	117	4	,	,	PUNCT
ejge-10853	117	5	and	and	CCONJ
ejge-10853	117	6	lekpek	lekpek	NOUN
ejge-10853	117	7	and	and	CCONJ
ejge-10853	117	8	šabotić	šabotić	X
ejge-10853	117	9	(	(	PUNCT
ejge-10853	117	10	2023	2023	NUM
ejge-10853	117	11	)	)	PUNCT
ejge-10853	117	12	.	.	PUNCT
ejge-10853	118	1	in	in	ADP
ejge-10853	118	2	this	this	DET
ejge-10853	118	3	study	study	NOUN
ejge-10853	118	4	,	,	PUNCT
ejge-10853	118	5	we	we	PRON
ejge-10853	118	6	chose	choose	VERB
ejge-10853	118	7	to	to	PART
ejge-10853	118	8	use	use	VERB
ejge-10853	118	9	the	the	DET
ejge-10853	118	10	classic	classic	NOUN
ejge-10853	118	11	pooled	pool	VERB
ejge-10853	118	12	ordinary	ordinary	ADJ
ejge-10853	118	13	least	least	ADJ
ejge-10853	118	14	squares	square	NOUN
ejge-10853	118	15	(	(	PUNCT
ejge-10853	118	16	ols	ol	NOUN
ejge-10853	118	17	)	)	PUNCT
ejge-10853	118	18	model	model	NOUN
ejge-10853	118	19	,	,	PUNCT
ejge-10853	118	20	as	as	SCONJ
ejge-10853	118	21	it	it	PRON
ejge-10853	118	22	is	be	AUX
ejge-10853	118	23	one	one	NUM
ejge-10853	118	24	of	of	ADP
ejge-10853	118	25	the	the	DET
ejge-10853	118	26	most	most	ADV
ejge-10853	118	27	tested	test	VERB
ejge-10853	118	28	and	and	CCONJ
ejge-10853	118	29	used	use	VERB
ejge-10853	118	30	,	,	PUNCT
ejge-10853	118	31	as	as	SCONJ
ejge-10853	118	32	detailed	detailed	ADJ
ejge-10853	118	33	in	in	ADP
ejge-10853	118	34	the	the	DET
ejge-10853	118	35	methodology	methodology	NOUN
ejge-10853	118	36	.	.	PUNCT
ejge-10853	119	1	124	124	NUM
ejge-10853	119	2	pires	pire	NOUN
ejge-10853	119	3	et	et	PROPN
ejge-10853	119	4	al	al	PROPN
ejge-10853	119	5	.	.	PROPN
ejge-10853	119	6	table	table	NOUN
ejge-10853	120	1	2	2	NUM
ejge-10853	120	2	.	.	PUNCT
ejge-10853	120	3	additional	additional	ADJ
ejge-10853	120	4	literature	literature	PROPN
ejge-10853	120	5	review	review	PROPN
ejge-10853	120	6	:	:	PUNCT
ejge-10853	120	7	data	datum	NOUN
ejge-10853	120	8	,	,	PUNCT
ejge-10853	120	9	variables	variable	NOUN
ejge-10853	120	10	,	,	PUNCT
ejge-10853	120	11	and	and	CCONJ
ejge-10853	120	12	main	main	ADJ
ejge-10853	120	13	conclusions	conclusion	NOUN
ejge-10853	120	14	authors	author	NOUN
ejge-10853	120	15	data	data	VERB
ejge-10853	120	16	variables	variable	NOUN
ejge-10853	120	17	conclusions	conclusion	NOUN
ejge-10853	120	18	dependent	dependent	ADJ
ejge-10853	120	19	independent	independent	ADJ
ejge-10853	120	20	jadah	jadah	PROPN
ejge-10853	120	21	et	et	PROPN
ejge-10853	120	22	al	al	PROPN
ejge-10853	120	23	.	.	PROPN
ejge-10853	121	1	(	(	PUNCT
ejge-10853	121	2	2020	2020	NUM
ejge-10853	121	3	)	)	PUNCT
ejge-10853	121	4	80	80	NUM
ejge-10853	121	5	iraqi	iraqi	ADJ
ejge-10853	121	6	banks	bank	NOUN
ejge-10853	121	7	during	during	ADP
ejge-10853	121	8	the	the	DET
ejge-10853	121	9	period	period	NOUN
ejge-10853	121	10	(	(	PUNCT
ejge-10853	121	11	2005	2005	NUM
ejge-10853	121	12	2017	2017	NUM
ejge-10853	121	13	)	)	PUNCT
ejge-10853	121	14	.	.	PUNCT
ejge-10853	122	1	roa	roa	PROPN
ejge-10853	122	2	,	,	PUNCT
ejge-10853	122	3	roe	roe	PROPN
ejge-10853	122	4	and	and	CCONJ
ejge-10853	122	5	nim	nim	PROPN
ejge-10853	122	6	.	.	PROPN
ejge-10853	122	7	bank	bank	PROPN
ejge-10853	122	8	size	size	NOUN
ejge-10853	122	9	;	;	PUNCT
ejge-10853	122	10	credit	credit	NOUN
ejge-10853	122	11	risk	risk	NOUN
ejge-10853	122	12	;	;	PUNCT
ejge-10853	122	13	liquidity	liquidity	NOUN
ejge-10853	122	14	;	;	PUNCT
ejge-10853	122	15	total	total	ADJ
ejge-10853	122	16	loans	loan	NOUN
ejge-10853	122	17	to	to	ADP
ejge-10853	122	18	total	total	ADJ
ejge-10853	122	19	assets	asset	NOUN
ejge-10853	122	20	;	;	PUNCT
ejge-10853	122	21	gdp	gdp	NOUN
ejge-10853	122	22	;	;	PUNCT
ejge-10853	122	23	inflation	inflation	NOUN
ejge-10853	122	24	target	target	NOUN
ejge-10853	122	25	;	;	PUNCT
ejge-10853	122	26	interest	interest	NOUN
ejge-10853	122	27	rate	rate	NOUN
ejge-10853	122	28	;	;	PUNCT
ejge-10853	122	29	unemployment	unemployment	NOUN
ejge-10853	122	30	;	;	PUNCT
ejge-10853	122	31	regulatory	regulatory	ADJ
ejge-10853	122	32	quality	quality	NOUN
ejge-10853	122	33	;	;	PUNCT
ejge-10853	122	34	political	political	ADJ
ejge-10853	122	35	instability	instability	NOUN
ejge-10853	122	36	and	and	CCONJ
ejge-10853	122	37	government	government	NOUN
ejge-10853	122	38	effectiveness	effectiveness	NOUN
ejge-10853	122	39	.	.	PUNCT
ejge-10853	123	1	the	the	DET
ejge-10853	123	2	results	result	NOUN
ejge-10853	123	3	reveal	reveal	VERB
ejge-10853	123	4	that	that	SCONJ
ejge-10853	123	5	most	most	ADJ
ejge-10853	123	6	bankspecific	bankspecific	ADJ
ejge-10853	123	7	characteristics	characteristic	NOUN
ejge-10853	123	8	,	,	PUNCT
ejge-10853	123	9	economic	economic	ADJ
ejge-10853	123	10	conditions	condition	NOUN
ejge-10853	123	11	,	,	PUNCT
ejge-10853	123	12	and	and	CCONJ
ejge-10853	123	13	government	government	NOUN
ejge-10853	123	14	variables	variable	NOUN
ejge-10853	123	15	have	have	VERB
ejge-10853	123	16	a	a	DET
ejge-10853	123	17	statistically	statistically	ADV
ejge-10853	123	18	significant	significant	ADJ
ejge-10853	123	19	impact	impact	NOUN
ejge-10853	123	20	on	on	ADP
ejge-10853	123	21	the	the	DET
ejge-10853	123	22	performance	performance	NOUN
ejge-10853	123	23	of	of	ADP
ejge-10853	123	24	iraqi	iraqi	ADJ
ejge-10853	123	25	commercial	commercial	ADJ
ejge-10853	123	26	banks	bank	NOUN
ejge-10853	123	27	.	.	PUNCT
ejge-10853	124	1	the	the	DET
ejge-10853	124	2	study	study	NOUN
ejge-10853	124	3	suggests	suggest	VERB
ejge-10853	124	4	that	that	SCONJ
ejge-10853	124	5	the	the	DET
ejge-10853	124	6	size	size	NOUN
ejge-10853	124	7	of	of	ADP
ejge-10853	124	8	iraqi	iraqi	ADJ
ejge-10853	124	9	banks	bank	NOUN
ejge-10853	124	10	and	and	CCONJ
ejge-10853	124	11	the	the	DET
ejge-10853	124	12	total	total	ADJ
ejge-10853	124	13	equity	equity	NOUN
ejge-10853	124	14	to	to	ADP
ejge-10853	124	15	total	total	ADJ
ejge-10853	124	16	assets	asset	NOUN
ejge-10853	124	17	ratio	ratio	NOUN
ejge-10853	124	18	are	be	AUX
ejge-10853	124	19	among	among	ADP
ejge-10853	124	20	major	major	ADJ
ejge-10853	124	21	drivers	driver	NOUN
ejge-10853	124	22	of	of	ADP
ejge-10853	124	23	iraqi	iraqi	ADJ
ejge-10853	124	24	banks	bank	NOUN
ejge-10853	124	25	’	'	PUNCT
ejge-10853	124	26	profitability	profitability	NOUN
ejge-10853	124	27	.	.	PUNCT
ejge-10853	125	1	boto	boto	NOUN
ejge-10853	125	2	-	-	PUNCT
ejge-10853	125	3	garcía	garcía	VERB
ejge-10853	125	4	et	et	PROPN
ejge-10853	125	5	al	al	PROPN
ejge-10853	125	6	.	.	PROPN
ejge-10853	126	1	(	(	PUNCT
ejge-10853	126	2	2021	2021	NUM
ejge-10853	126	3	)	)	PUNCT
ejge-10853	126	4	spanish	spanish	ADJ
ejge-10853	126	5	banking	banking	NOUN
ejge-10853	126	6	sector	sector	NOUN
ejge-10853	126	7	during	during	ADP
ejge-10853	126	8	the	the	DET
ejge-10853	126	9	period	period	NOUN
ejge-10853	126	10	1995	1995	NUM
ejge-10853	126	11	–	–	PUNCT
ejge-10853	126	12	2016	2016	NUM
ejge-10853	126	13	.	.	PUNCT
ejge-10853	127	1	roa	roa	PROPN
ejge-10853	127	2	and	and	CCONJ
ejge-10853	127	3	roe	roe	PROPN
ejge-10853	127	4	.	.	PUNCT
ejge-10853	128	1	12	12	NUM
ejge-10853	128	2	-	-	PUNCT
ejge-10853	128	3	month	month	NOUN
ejge-10853	128	4	euribor	euribor	NOUN
ejge-10853	128	5	;	;	PUNCT
ejge-10853	128	6	gdp	gdp	NOUN
ejge-10853	128	7	and	and	CCONJ
ejge-10853	128	8	herfindahlhirschman	herfindahlhirschman	PROPN
ejge-10853	128	9	(	(	PUNCT
ejge-10853	128	10	hh	hh	PROPN
ejge-10853	128	11	)	)	PUNCT
ejge-10853	128	12	index	index	NOUN
ejge-10853	128	13	.	.	PUNCT
ejge-10853	129	1	the	the	DET
ejge-10853	129	2	profitability	profitability	NOUN
ejge-10853	129	3	rises	rise	VERB
ejge-10853	129	4	with	with	ADP
ejge-10853	129	5	the	the	DET
ejge-10853	129	6	longterm	longterm	ADJ
ejge-10853	129	7	interest	interest	NOUN
ejge-10853	129	8	rate	rate	NOUN
ejge-10853	129	9	and	and	CCONJ
ejge-10853	129	10	falls	fall	VERB
ejge-10853	129	11	with	with	ADP
ejge-10853	129	12	the	the	DET
ejge-10853	129	13	12	12	NUM
ejge-10853	129	14	-	-	PUNCT
ejge-10853	129	15	month	month	NOUN
ejge-10853	129	16	euribor	euribor	PROPN
ejge-10853	129	17	rate	rate	NOUN
ejge-10853	129	18	.	.	PUNCT
ejge-10853	130	1	the	the	DET
ejge-10853	130	2	gdp	gdp	NOUN
ejge-10853	130	3	variable	variable	NOUN
ejge-10853	130	4	increases	increase	VERB
ejge-10853	130	5	roa	roa	PROPN
ejge-10853	130	6	.	.	PUNCT
ejge-10853	131	1	there	there	PRON
ejge-10853	131	2	is	be	VERB
ejge-10853	131	3	no	no	DET
ejge-10853	131	4	proof	proof	NOUN
ejge-10853	131	5	that	that	SCONJ
ejge-10853	131	6	market	market	NOUN
ejge-10853	131	7	concentration	concentration	NOUN
ejge-10853	131	8	has	have	AUX
ejge-10853	131	9	a	a	DET
ejge-10853	131	10	major	major	ADJ
ejge-10853	131	11	impact	impact	NOUN
ejge-10853	131	12	on	on	ADP
ejge-10853	131	13	profitabil	profitabil	PROPN
ejge-10853	131	14	ity	ity	PROPN
ejge-10853	131	15	.	.	PROPN
ejge-10853	131	16	hukwuogor	hukwuogor	PROPN
ejge-10853	131	17	t	t	PROPN
ejge-10853	131	18	al	al	PROPN
ejge-10853	131	19	.	.	PROPN
ejge-10853	132	1	(	(	PUNCT
ejge-10853	132	2	2021	2021	NUM
ejge-10853	132	3	)	)	PUNCT
ejge-10853	132	4	european	european	ADJ
ejge-10853	132	5	banks	bank	NOUN
ejge-10853	132	6	from	from	ADP
ejge-10853	132	7	the	the	DET
ejge-10853	132	8	period	period	NOUN
ejge-10853	132	9	1996	1996	NUM
ejge-10853	132	10	2019	2019	NUM
ejge-10853	132	11	.	.	PUNCT
ejge-10853	133	1	nim	nim	PROPN
ejge-10853	133	2	.	.	PUNCT
ejge-10853	133	3	gdp	gdp	NOUN
ejge-10853	133	4	rates	rate	NOUN
ejge-10853	133	5	;	;	PUNCT
ejge-10853	133	6	unemployment	unemployment	NOUN
ejge-10853	133	7	rates	rate	NOUN
ejge-10853	133	8	;	;	PUNCT
ejge-10853	133	9	interest	interest	NOUN
ejge-10853	133	10	rates	rate	NOUN
ejge-10853	133	11	;	;	PUNCT
ejge-10853	133	12	inflation	inflation	NOUN
ejge-10853	133	13	rates	rate	NOUN
ejge-10853	133	14	and	and	CCONJ
ejge-10853	133	15	loan	loan	NOUN
ejge-10853	133	16	loss	loss	NOUN
ejge-10853	133	17	reserves	reserve	NOUN
ejge-10853	133	18	.	.	PUNCT
ejge-10853	134	1	the	the	DET
ejge-10853	134	2	findings	finding	NOUN
ejge-10853	134	3	show	show	VERB
ejge-10853	134	4	that	that	SCONJ
ejge-10853	134	5	the	the	DET
ejge-10853	134	6	us	us	PROPN
ejge-10853	134	7	economy	economy	NOUN
ejge-10853	134	8	's	's	PART
ejge-10853	134	9	growth	growth	NOUN
ejge-10853	134	10	,	,	PUNCT
ejge-10853	134	11	inflation	inflation	NOUN
ejge-10853	134	12	rate	rate	NOUN
ejge-10853	134	13	,	,	PUNCT
ejge-10853	134	14	net	net	ADJ
ejge-10853	134	15	interest	interest	NOUN
ejge-10853	134	16	margin	margin	NOUN
ejge-10853	134	17	,	,	PUNCT
ejge-10853	134	18	percentage	percentage	NOUN
ejge-10853	134	19	of	of	ADP
ejge-10853	134	20	nonperforming	nonperforme	VERB
ejge-10853	134	21	loans	loan	NOUN
ejge-10853	134	22	,	,	PUNCT
ejge-10853	134	23	and	and	CCONJ
ejge-10853	134	24	unemployment	unemployment	NOUN
ejge-10853	134	25	rate	rate	NOUN
ejge-10853	134	26	all	all	PRON
ejge-10853	134	27	considerably	considerably	ADV
ejge-10853	134	28	boost	boost	VERB
ejge-10853	134	29	banks	bank	NOUN
ejge-10853	134	30	’	'	PUNCT
ejge-10853	134	31	profitability	profitability	NOUN
ejge-10853	134	32	.	.	PUNCT
ejge-10853	135	1	kozak	kozak	PROPN
ejge-10853	135	2	and	and	CCONJ
ejge-10853	135	3	wierzbowska	wierzbowska	PROPN
ejge-10853	135	4	(	(	PUNCT
ejge-10853	135	5	2022	2022	NUM
ejge-10853	135	6	)	)	PUNCT
ejge-10853	135	7	40	40	NUM
ejge-10853	135	8	european	european	ADJ
ejge-10853	135	9	nations	nation	NOUN
ejge-10853	135	10	in	in	ADP
ejge-10853	135	11	the	the	DET
ejge-10853	135	12	years	year	NOUN
ejge-10853	135	13	2019	2019	NUM
ejge-10853	135	14	and	and	CCONJ
ejge-10853	135	15	2020	2020	NUM
ejge-10853	135	16	.	.	PUNCT
ejge-10853	136	1	roa	roa	PROPN
ejge-10853	136	2	diversification	diversification	NOUN
ejge-10853	136	3	;	;	PUNCT
ejge-10853	136	4	bank	bank	NOUN
ejge-10853	136	5	size	size	NOUN
ejge-10853	136	6	;	;	PUNCT
ejge-10853	136	7	asset	asset	NOUN
ejge-10853	136	8	growth	growth	NOUN
ejge-10853	136	9	;	;	PUNCT
ejge-10853	136	10	loan	loan	NOUN
ejge-10853	136	11	-	-	PUNCT
ejge-10853	136	12	to	to	ADP
ejge-10853	136	13	-	-	PUNCT
ejge-10853	136	14	asset	asset	NOUN
ejge-10853	136	15	;	;	PUNCT
ejge-10853	136	16	tier	tier	NOUN
ejge-10853	136	17	;	;	PUNCT
ejge-10853	136	18	gdp	gdp	NOUN
ejge-10853	136	19	growth	growth	NOUN
ejge-10853	136	20	;	;	PUNCT
ejge-10853	136	21	interest	interest	NOUN
ejge-10853	136	22	rate	rate	NOUN
ejge-10853	136	23	;	;	PUNCT
ejge-10853	136	24	lockdown	lockdown	NOUN
ejge-10853	136	25	;	;	PUNCT
ejge-10853	136	26	economic	economic	ADJ
ejge-10853	136	27	support	support	NOUN
ejge-10853	136	28	;	;	PUNCT
ejge-10853	136	29	income	income	NOUN
ejge-10853	136	30	support	support	NOUN
ejge-10853	136	31	;	;	PUNCT
ejge-10853	136	32	debt	debt	NOUN
ejge-10853	136	33	relief	relief	NOUN
ejge-10853	136	34	and	and	CCONJ
ejge-10853	136	35	covid-19	covid-19	PROPN
ejge-10853	136	36	pandemic	pandemic	NOUN
ejge-10853	136	37	.	.	PUNCT
ejge-10853	137	1	the	the	DET
ejge-10853	137	2	findings	finding	NOUN
ejge-10853	137	3	show	show	VERB
ejge-10853	137	4	that	that	SCONJ
ejge-10853	137	5	the	the	DET
ejge-10853	137	6	profitability	profitability	NOUN
ejge-10853	137	7	of	of	ADP
ejge-10853	137	8	european	european	ADJ
ejge-10853	137	9	banks	bank	NOUN
ejge-10853	137	10	was	be	AUX
ejge-10853	137	11	positively	positively	ADV
ejge-10853	137	12	and	and	CCONJ
ejge-10853	137	13	statistically	statistically	ADV
ejge-10853	137	14	significantly	significantly	ADV
ejge-10853	137	15	impacted	impact	VERB
ejge-10853	137	16	during	during	ADP
ejge-10853	137	17	the	the	DET
ejge-10853	137	18	covid-19	covid-19	PROPN
ejge-10853	137	19	epidemic	epidemic	NOUN
ejge-10853	137	20	by	by	ADP
ejge-10853	137	21	the	the	DET
ejge-10853	137	22	growth	growth	NOUN
ejge-10853	137	23	in	in	ADP
ejge-10853	137	24	non	non	ADJ
ejge-10853	137	25	-	-	ADJ
ejge-10853	137	26	interest	interest	ADJ
ejge-10853	137	27	income	income	NOUN
ejge-10853	137	28	as	as	ADP
ejge-10853	137	29	a	a	DET
ejge-10853	137	30	percentage	percentage	NOUN
ejge-10853	137	31	of	of	ADP
ejge-10853	137	32	total	total	ADJ
ejge-10853	137	33	income	income	NOUN
ejge-10853	137	34	.	.	PUNCT
ejge-10853	138	1	shahin	shahin	PROPN
ejge-10853	138	2	et	et	PROPN
ejge-10853	138	3	al	al	PROPN
ejge-10853	138	4	.	.	PROPN
ejge-10853	139	1	(	(	PUNCT
ejge-10853	139	2	2022	2022	NUM
ejge-10853	139	3	)	)	PUNCT
ejge-10853	139	4	22	22	NUM
ejge-10853	139	5	kuwait	kuwait	PROPN
ejge-10853	139	6	banks	bank	NOUN
ejge-10853	139	7	.	.	PUNCT
ejge-10853	140	1	the	the	DET
ejge-10853	140	2	sample	sample	NOUN
ejge-10853	140	3	period	period	NOUN
ejge-10853	140	4	covers	cover	VERB
ejge-10853	140	5	2011	2011	NUM
ejge-10853	140	6	to	to	ADP
ejge-10853	140	7	2020	2020	NUM
ejge-10853	140	8	.	.	PUNCT
ejge-10853	141	1	roe	roe	NOUN
ejge-10853	141	2	interest	interest	NOUN
ejge-10853	141	3	rate	rate	NOUN
ejge-10853	141	4	;	;	PUNCT
ejge-10853	141	5	tier	tier	NOUN
ejge-10853	141	6	and	and	CCONJ
ejge-10853	141	7	bank	bank	NOUN
ejge-10853	141	8	size	size	NOUN
ejge-10853	141	9	.	.	PUNCT
ejge-10853	142	1	bank	bank	NOUN
ejge-10853	142	2	profitability	profitability	NOUN
ejge-10853	142	3	is	be	AUX
ejge-10853	142	4	lowered	lower	VERB
ejge-10853	142	5	by	by	ADP
ejge-10853	142	6	low	low	ADJ
ejge-10853	142	7	interest	interest	NOUN
ejge-10853	142	8	rate	rate	NOUN
ejge-10853	142	9	.	.	PUNCT
ejge-10853	143	1	capital	capital	NOUN
ejge-10853	143	2	levels	level	NOUN
ejge-10853	143	3	above	above	ADP
ejge-10853	143	4	a	a	DET
ejge-10853	143	5	certain	certain	ADJ
ejge-10853	143	6	threshold	threshold	NOUN
ejge-10853	143	7	improve	improve	VERB
ejge-10853	143	8	banks	bank	NOUN
ejge-10853	143	9	'	'	PART
ejge-10853	143	10	profitability	profitability	NOUN
ejge-10853	143	11	.	.	PUNCT
ejge-10853	144	1	most	most	ADV
ejge-10853	144	2	notably	notably	ADV
ejge-10853	144	3	,	,	PUNCT
ejge-10853	144	4	the	the	DET
ejge-10853	144	5	results	result	NOUN
ejge-10853	144	6	demonstrate	demonstrate	VERB
ejge-10853	144	7	that	that	SCONJ
ejge-10853	144	8	banks	bank	NOUN
ejge-10853	144	9	with	with	ADP
ejge-10853	144	10	larger	large	ADJ
ejge-10853	144	11	levels	level	NOUN
ejge-10853	144	12	of	of	ADP
ejge-10853	144	13	prudential	prudential	ADJ
ejge-10853	144	14	capital	capital	NOUN
ejge-10853	144	15	are	be	AUX
ejge-10853	144	16	less	less	ADV
ejge-10853	144	17	vulnerable	vulnerable	ADJ
ejge-10853	144	18	to	to	ADP
ejge-10853	144	19	the	the	DET
ejge-10853	144	20	negative	negative	ADJ
ejge-10853	144	21	impacts	impact	NOUN
ejge-10853	144	22	of	of	ADP
ejge-10853	144	23	low	low	ADJ
ejge-10853	144	24	interest	interest	NOUN
ejge-10853	144	25	rates	rate	NOUN
ejge-10853	144	26	on	on	ADP
ejge-10853	144	27	profitability	profitability	NOUN
ejge-10853	144	28	.	.	PUNCT
ejge-10853	145	1	(	(	PUNCT
ejge-10853	145	2	ho	ho	PROPN
ejge-10853	145	3	et	et	PROPN
ejge-10853	145	4	al	al	PROPN
ejge-10853	145	5	.	.	PROPN
ejge-10853	145	6	,	,	PUNCT
ejge-10853	145	7	2023	2023	NUM
ejge-10853	145	8	)	)	PUNCT
ejge-10853	145	9	1231	1231	NUM
ejge-10853	145	10	banks	bank	NOUN
ejge-10853	145	11	of	of	ADP
ejge-10853	145	12	90	90	NUM
ejge-10853	145	13	countries	country	NOUN
ejge-10853	145	14	,	,	PUNCT
ejge-10853	145	15	from	from	ADP
ejge-10853	145	16	2008	2008	NUM
ejge-10853	145	17	to	to	ADP
ejge-10853	145	18	2020	2020	NUM
ejge-10853	145	19	.	.	PUNCT
ejge-10853	146	1	nim	nim	PROPN
ejge-10853	146	2	and	and	CCONJ
ejge-10853	146	3	roa	roa	PROPN
ejge-10853	146	4	.	.	PUNCT
ejge-10853	147	1	bank	bank	NOUN
ejge-10853	147	2	size	size	NOUN
ejge-10853	147	3	;	;	PUNCT
ejge-10853	147	4	costincome	costincome	NOUN
ejge-10853	147	5	;	;	PUNCT
ejge-10853	147	6	bank	bank	NOUN
ejge-10853	147	7	liquidity	liquidity	NOUN
ejge-10853	147	8	;	;	PUNCT
ejge-10853	147	9	loan	loan	NOUN
ejge-10853	147	10	-	-	PUNCT
ejge-10853	147	11	todeposit	todeposit	NOUN
ejge-10853	147	12	;	;	PUNCT
ejge-10853	147	13	nonperforming	nonperforme	VERB
ejge-10853	147	14	loan	loan	NOUN
ejge-10853	147	15	;	;	PUNCT
ejge-10853	147	16	market	market	NOUN
ejge-10853	147	17	power	power	NOUN
ejge-10853	147	18	;	;	PUNCT
ejge-10853	147	19	inflation	inflation	NOUN
ejge-10853	147	20	target	target	NOUN
ejge-10853	147	21	;	;	PUNCT
ejge-10853	147	22	gdp	gdp	NOUN
ejge-10853	147	23	growth	growth	NOUN
ejge-10853	147	24	and	and	CCONJ
ejge-10853	147	25	money	money	NOUN
ejge-10853	147	26	supply	supply	NOUN
ejge-10853	147	27	.	.	PUNCT
ejge-10853	148	1	the	the	DET
ejge-10853	148	2	results	result	NOUN
ejge-10853	148	3	indicate	indicate	VERB
ejge-10853	148	4	that	that	SCONJ
ejge-10853	148	5	bank	bank	NOUN
ejge-10853	148	6	size	size	NOUN
ejge-10853	148	7	,	,	PUNCT
ejge-10853	148	8	roa	roa	PROPN
ejge-10853	148	9	,	,	PUNCT
ejge-10853	148	10	operational	operational	ADJ
ejge-10853	148	11	cost	cost	NOUN
ejge-10853	148	12	to	to	ADP
ejge-10853	148	13	operating	operate	VERB
ejge-10853	148	14	income	income	NOUN
ejge-10853	148	15	ratio	ratio	NOUN
ejge-10853	148	16	,	,	PUNCT
ejge-10853	148	17	loan	loan	NOUN
ejge-10853	148	18	-	-	PUNCT
ejge-10853	148	19	to	to	ADP
ejge-10853	148	20	-	-	PUNCT
ejge-10853	148	21	deposit	deposit	NOUN
ejge-10853	148	22	ratio	ratio	NOUN
ejge-10853	148	23	,	,	PUNCT
ejge-10853	148	24	and	and	CCONJ
ejge-10853	148	25	non	non	ADJ
ejge-10853	148	26	-	-	ADJ
ejge-10853	148	27	performing	performing	ADJ
ejge-10853	148	28	loan	loan	NOUN
ejge-10853	148	29	positively	positively	ADV
ejge-10853	148	30	affect	affect	VERB
ejge-10853	148	31	the	the	DET
ejge-10853	148	32	net	net	ADJ
ejge-10853	148	33	interest	interest	NOUN
ejge-10853	148	34	margin	margin	NOUN
ejge-10853	148	35	of	of	ADP
ejge-10853	148	36	banks	bank	NOUN
ejge-10853	148	37	.	.	PUNCT
ejge-10853	149	1	son	son	NOUN
ejge-10853	149	2	(	(	PUNCT
ejge-10853	149	3	2024	2024	NUM
ejge-10853	149	4	)	)	PUNCT
ejge-10853	149	5	13	13	NUM
ejge-10853	149	6	banks	bank	NOUN
ejge-10853	149	7	vietnamese	vietnamese	ADJ
ejge-10853	149	8	stock	stock	NOUN
ejge-10853	149	9	market	market	NOUN
ejge-10853	149	10	between	between	ADP
ejge-10853	149	11	2010	2010	NUM
ejge-10853	149	12	and	and	CCONJ
ejge-10853	149	13	2022	2022	NUM
ejge-10853	149	14	.	.	PUNCT
ejge-10853	150	1	nim	nim	PROPN
ejge-10853	150	2	credit	credit	PROPN
ejge-10853	150	3	quality	quality	NOUN
ejge-10853	150	4	;	;	PUNCT
ejge-10853	150	5	bank	bank	NOUN
ejge-10853	150	6	size	size	NOUN
ejge-10853	150	7	;	;	PUNCT
ejge-10853	150	8	gdp	gdp	NOUN
ejge-10853	150	9	and	and	CCONJ
ejge-10853	150	10	inflation	inflation	NOUN
ejge-10853	150	11	target	target	NOUN
ejge-10853	150	12	.	.	PUNCT
ejge-10853	151	1	the	the	DET
ejge-10853	151	2	empirical	empirical	ADJ
ejge-10853	151	3	findings	finding	NOUN
ejge-10853	151	4	show	show	VERB
ejge-10853	151	5	that	that	SCONJ
ejge-10853	151	6	increasing	increase	VERB
ejge-10853	151	7	a	a	DET
ejge-10853	151	8	bank	bank	NOUN
ejge-10853	151	9	's	's	PART
ejge-10853	151	10	net	net	ADJ
ejge-10853	151	11	interest	interest	NOUN
ejge-10853	151	12	margin	margin	NOUN
ejge-10853	151	13	(	(	PUNCT
ejge-10853	151	14	nim	nim	NOUN
ejge-10853	151	15	)	)	PUNCT
ejge-10853	151	16	is	be	AUX
ejge-10853	151	17	essential	essential	ADJ
ejge-10853	151	18	to	to	ADP
ejge-10853	151	19	increasing	increase	VERB
ejge-10853	151	20	profits	profit	NOUN
ejge-10853	151	21	.	.	PUNCT
ejge-10853	152	1	greater	great	ADJ
ejge-10853	152	2	profitability	profitability	NOUN
ejge-10853	152	3	is	be	AUX
ejge-10853	152	4	indicated	indicate	VERB
ejge-10853	152	5	by	by	ADP
ejge-10853	152	6	a	a	DET
ejge-10853	152	7	higher	high	ADJ
ejge-10853	152	8	nim	nim	NOUN
ejge-10853	152	9	level	level	NOUN
ejge-10853	152	10	.	.	PUNCT
ejge-10853	153	1	source	source	NOUN
ejge-10853	153	2	:	:	PUNCT
ejge-10853	153	3	own	own	ADJ
ejge-10853	153	4	elaboration	elaboration	NOUN
ejge-10853	153	5	.	.	PUNCT
ejge-10853	154	1	the	the	DET
ejge-10853	154	2	following	follow	VERB
ejge-10853	154	3	section	section	NOUN
ejge-10853	154	4	outlines	outline	VERB
ejge-10853	154	5	the	the	DET
ejge-10853	154	6	institutions	institution	NOUN
ejge-10853	154	7	under	under	ADP
ejge-10853	154	8	study	study	NOUN
ejge-10853	154	9	,	,	PUNCT
ejge-10853	154	10	the	the	DET
ejge-10853	154	11	dependent	dependent	ADJ
ejge-10853	154	12	and	and	CCONJ
ejge-10853	154	13	independent	independent	ADJ
ejge-10853	154	14	variables	variable	NOUN
ejge-10853	154	15	selected	select	VERB
ejge-10853	154	16	,	,	PUNCT
ejge-10853	154	17	and	and	CCONJ
ejge-10853	154	18	the	the	DET
ejge-10853	154	19	methodology	methodology	NOUN
ejge-10853	154	20	that	that	PRON
ejge-10853	154	21	allowed	allow	VERB
ejge-10853	154	22	us	we	PRON
ejge-10853	154	23	to	to	PART
ejge-10853	154	24	draw	draw	VERB
ejge-10853	154	25	conclusions	conclusion	NOUN
ejge-10853	154	26	from	from	ADP
ejge-10853	154	27	our	our	PRON
ejge-10853	154	28	investigation	investigation	NOUN
ejge-10853	154	29	.	.	PUNCT
ejge-10853	155	1	banks	bank	NOUN
ejge-10853	155	2	’	'	PUNCT
ejge-10853	155	3	profitability	profitability	NOUN
ejge-10853	155	4	in	in	ADP
ejge-10853	155	5	portugal	portugal	PROPN
ejge-10853	155	6	from	from	ADP
ejge-10853	155	7	2013	2013	NUM
ejge-10853	155	8	to	to	ADP
ejge-10853	155	9	2023	2023	NUM
ejge-10853	155	10	3	3	NUM
ejge-10853	155	11	.	.	PUNCT
ejge-10853	156	1	data	datum	NOUN
ejge-10853	156	2	and	and	CCONJ
ejge-10853	156	3	methodology	methodology	NOUN
ejge-10853	156	4	the	the	DET
ejge-10853	156	5	methodology	methodology	NOUN
ejge-10853	156	6	used	use	VERB
ejge-10853	156	7	is	be	AUX
ejge-10853	156	8	a	a	DET
ejge-10853	156	9	panel	panel	NOUN
ejge-10853	156	10	data	datum	NOUN
ejge-10853	156	11	model	model	NOUN
ejge-10853	156	12	,	,	PUNCT
ejge-10853	156	13	a	a	DET
ejge-10853	156	14	pooled	pool	VERB
ejge-10853	156	15	ols	ol	NOUN
ejge-10853	156	16	over	over	ADP
ejge-10853	156	17	the	the	DET
ejge-10853	156	18	period	period	NOUN
ejge-10853	156	19	2013	2013	NUM
ejge-10853	156	20	2023	2023	NUM
ejge-10853	156	21	.	.	PUNCT
ejge-10853	157	1	by	by	ADP
ejge-10853	157	2	using	use	VERB
ejge-10853	157	3	a	a	DET
ejge-10853	157	4	balanced	balanced	ADJ
ejge-10853	157	5	panel	panel	NOUN
ejge-10853	157	6	in	in	ADP
ejge-10853	157	7	the	the	DET
ejge-10853	157	8	present	present	ADJ
ejge-10853	157	9	study	study	NOUN
ejge-10853	157	10	,	,	PUNCT
ejge-10853	157	11	it	it	PRON
ejge-10853	157	12	was	be	AUX
ejge-10853	157	13	possible	possible	ADJ
ejge-10853	157	14	to	to	PART
ejge-10853	157	15	identify	identify	VERB
ejge-10853	157	16	the	the	DET
ejge-10853	157	17	variables	variable	NOUN
ejge-10853	157	18	of	of	ADP
ejge-10853	157	19	all	all	DET
ejge-10853	157	20	companies	company	NOUN
ejge-10853	157	21	throughout	throughout	ADP
ejge-10853	157	22	the	the	DET
ejge-10853	157	23	entire	entire	ADJ
ejge-10853	157	24	period	period	NOUN
ejge-10853	157	25	under	under	ADP
ejge-10853	157	26	analysis	analysis	NOUN
ejge-10853	157	27	.	.	PUNCT
ejge-10853	158	1	the	the	DET
ejge-10853	158	2	pooled	pooled	ADJ
ejge-10853	158	3	model	model	NOUN
ejge-10853	158	4	was	be	AUX
ejge-10853	158	5	chosen	choose	VERB
ejge-10853	158	6	because	because	SCONJ
ejge-10853	158	7	it	it	PRON
ejge-10853	158	8	achieves	achieve	VERB
ejge-10853	158	9	the	the	DET
ejge-10853	158	10	best	good	ADJ
ejge-10853	158	11	results	result	NOUN
ejge-10853	158	12	,	,	PUNCT
ejge-10853	158	13	given	give	VERB
ejge-10853	158	14	the	the	DET
ejge-10853	158	15	small	small	ADJ
ejge-10853	158	16	size	size	NOUN
ejge-10853	158	17	of	of	ADP
ejge-10853	158	18	our	our	PRON
ejge-10853	158	19	sample	sample	NOUN
ejge-10853	158	20	.	.	PUNCT
ejge-10853	159	1	the	the	DET
ejge-10853	159	2	software	software	NOUN
ejge-10853	159	3	chosen	choose	VERB
ejge-10853	159	4	to	to	PART
ejge-10853	159	5	analyse	analyse	VERB
ejge-10853	159	6	the	the	DET
ejge-10853	159	7	empirical	empirical	ADJ
ejge-10853	159	8	model	model	NOUN
ejge-10853	159	9	was	be	AUX
ejge-10853	159	10	r	r	NOUN
ejge-10853	159	11	studio	studio	NOUN
ejge-10853	159	12	.	.	PUNCT
ejge-10853	160	1	3.1	3.1	NUM
ejge-10853	160	2	sample	sample	NOUN
ejge-10853	160	3	the	the	DET
ejge-10853	160	4	main	main	ADJ
ejge-10853	160	5	objective	objective	NOUN
ejge-10853	160	6	of	of	ADP
ejge-10853	160	7	this	this	DET
ejge-10853	160	8	study	study	NOUN
ejge-10853	160	9	is	be	AUX
ejge-10853	160	10	to	to	PART
ejge-10853	160	11	analyse	analyse	VERB
ejge-10853	160	12	the	the	DET
ejge-10853	160	13	impact	impact	NOUN
ejge-10853	160	14	of	of	ADP
ejge-10853	160	15	an	an	DET
ejge-10853	160	16	increase	increase	NOUN
ejge-10853	160	17	in	in	ADP
ejge-10853	160	18	euribor	euribor	NOUN
ejge-10853	160	19	on	on	ADP
ejge-10853	160	20	the	the	DET
ejge-10853	160	21	profitability	profitability	NOUN
ejge-10853	160	22	of	of	ADP
ejge-10853	160	23	banks	bank	NOUN
ejge-10853	160	24	operating	operate	VERB
ejge-10853	160	25	in	in	ADP
ejge-10853	160	26	portugal	portugal	PROPN
ejge-10853	160	27	over	over	ADP
ejge-10853	160	28	the	the	DET
ejge-10853	160	29	period	period	NOUN
ejge-10853	160	30	2013	2013	NUM
ejge-10853	160	31	2023	2023	NUM
ejge-10853	160	32	.	.	PUNCT
ejge-10853	161	1	the	the	DET
ejge-10853	161	2	panel	panel	NOUN
ejge-10853	161	3	dataset	dataset	VERB
ejge-10853	161	4	is	be	AUX
ejge-10853	161	5	composed	compose	VERB
ejge-10853	161	6	of	of	ADP
ejge-10853	161	7	annual	annual	ADJ
ejge-10853	161	8	data	datum	NOUN
ejge-10853	161	9	retrieved	retrieve	VERB
ejge-10853	161	10	from	from	ADP
ejge-10853	161	11	the	the	DET
ejge-10853	161	12	banks	bank	NOUN
ejge-10853	161	13	'	'	PART
ejge-10853	161	14	annual	annual	ADJ
ejge-10853	161	15	reports	report	NOUN
ejge-10853	161	16	on	on	ADP
ejge-10853	161	17	management	management	NOUN
ejge-10853	161	18	efficiency	efficiency	NOUN
ejge-10853	161	19	,	,	PUNCT
ejge-10853	161	20	credit	credit	NOUN
ejge-10853	161	21	quality	quality	NOUN
ejge-10853	161	22	,	,	PUNCT
ejge-10853	161	23	capital	capital	NOUN
ejge-10853	161	24	adequacy	adequacy	NOUN
ejge-10853	161	25	,	,	PUNCT
ejge-10853	161	26	size	size	NOUN
ejge-10853	161	27	,	,	PUNCT
ejge-10853	161	28	financial	financial	ADJ
ejge-10853	161	29	margin	margin	NOUN
ejge-10853	161	30	,	,	PUNCT
ejge-10853	161	31	banking	banking	NOUN
ejge-10853	161	32	product	product	NOUN
ejge-10853	161	33	and	and	CCONJ
ejge-10853	161	34	profitability	profitability	NOUN
ejge-10853	161	35	.	.	PUNCT
ejge-10853	162	1	the	the	DET
ejge-10853	162	2	sample	sample	NOUN
ejge-10853	162	3	of	of	ADP
ejge-10853	162	4	17	17	NUM
ejge-10853	162	5	banks	bank	NOUN
ejge-10853	162	6	includes	include	VERB
ejge-10853	162	7	bpi	bpi	PROPN
ejge-10853	162	8	,	,	PUNCT
ejge-10853	162	9	bcp	bcp	PROPN
ejge-10853	162	10	,	,	PUNCT
ejge-10853	162	11	cgd	cgd	PROPN
ejge-10853	162	12	,	,	PUNCT
ejge-10853	162	13	sicam	sicam	PROPN
ejge-10853	162	14	,	,	PUNCT
ejge-10853	162	15	std	std	PROPN
ejge-10853	162	16	,	,	PUNCT
ejge-10853	162	17	mtp	mtp	PROPN
ejge-10853	162	18	,	,	PUNCT
ejge-10853	162	19	nb	nb	PROPN
ejge-10853	162	20	,	,	PUNCT
ejge-10853	162	21	bic	bic	PROPN
ejge-10853	162	22	,	,	PUNCT
ejge-10853	162	23	big	big	ADJ
ejge-10853	162	24	,	,	PUNCT
ejge-10853	162	25	ctt	ctt	PROPN
ejge-10853	162	26	,	,	PUNCT
ejge-10853	162	27	bai	bai	PROPN
ejge-10853	162	28	,	,	PUNCT
ejge-10853	162	29	fnt	fnt	PROPN
ejge-10853	162	30	,	,	PUNCT
ejge-10853	162	31	ctl	ctl	PROPN
ejge-10853	162	32	,	,	PUNCT
ejge-10853	162	33	bkt	bkt	PROPN
ejge-10853	162	34	,	,	PUNCT
ejge-10853	162	35	db	db	PROPN
ejge-10853	162	36	,	,	PUNCT
ejge-10853	162	37	best	good	ADJ
ejge-10853	162	38	and	and	CCONJ
ejge-10853	162	39	atl	atl	PROPN
ejge-10853	162	40	,	,	PUNCT
ejge-10853	162	41	representing	represent	VERB
ejge-10853	162	42	about	about	ADP
ejge-10853	162	43	98	98	NUM
ejge-10853	162	44	%	%	NOUN
ejge-10853	162	45	of	of	ADP
ejge-10853	162	46	the	the	DET
ejge-10853	162	47	portuguese	portuguese	ADJ
ejge-10853	162	48	banking	banking	NOUN
ejge-10853	162	49	product	product	NOUN
ejge-10853	162	50	(	(	PUNCT
ejge-10853	162	51	see	see	VERB
ejge-10853	162	52	appendix	appendix	NOUN
ejge-10853	162	53	i	i	PRON
ejge-10853	162	54	)	)	PUNCT
ejge-10853	162	55	.	.	PUNCT
ejge-10853	163	1	the	the	DET
ejge-10853	163	2	variable	variable	PROPN
ejge-10853	163	3	euribor	euribor	PROPN
ejge-10853	163	4	was	be	AUX
ejge-10853	163	5	obtained	obtain	VERB
ejge-10853	163	6	online	online	ADV
ejge-10853	163	7	via	via	ADP
ejge-10853	163	8	portugal	portugal	PROPN
ejge-10853	163	9	bank´s	bank´s	PROPN
ejge-10853	163	10	databases	database	NOUN
ejge-10853	163	11	.	.	PUNCT
ejge-10853	164	1	3.2	3.2	NUM
ejge-10853	164	2	study	study	NOUN
ejge-10853	164	3	variables	variable	VERB
ejge-10853	164	4	the	the	DET
ejge-10853	164	5	dependent	dependent	ADJ
ejge-10853	164	6	variables	variable	NOUN
ejge-10853	164	7	are	be	AUX
ejge-10853	164	8	return	return	NOUN
ejge-10853	164	9	on	on	ADP
ejge-10853	164	10	equity	equity	NOUN
ejge-10853	164	11	(	(	PUNCT
ejge-10853	164	12	roe	roe	PROPN
ejge-10853	164	13	)	)	PUNCT
ejge-10853	164	14	and	and	CCONJ
ejge-10853	164	15	return	return	VERB
ejge-10853	164	16	on	on	ADP
ejge-10853	164	17	assets	asset	NOUN
ejge-10853	164	18	(	(	PUNCT
ejge-10853	164	19	roa	roa	NOUN
ejge-10853	164	20	)	)	PUNCT
ejge-10853	164	21	.	.	PUNCT
ejge-10853	165	1	these	these	DET
ejge-10853	165	2	variables	variable	NOUN
ejge-10853	165	3	are	be	AUX
ejge-10853	165	4	applied	apply	VERB
ejge-10853	165	5	to	to	PART
ejge-10853	165	6	measure	measure	VERB
ejge-10853	165	7	the	the	DET
ejge-10853	165	8	banks	bank	NOUN
ejge-10853	165	9	’	’	PART
ejge-10853	165	10	profitability	profitability	NOUN
ejge-10853	165	11	.	.	PUNCT
ejge-10853	166	1	the	the	DET
ejge-10853	166	2	independent	independent	ADJ
ejge-10853	166	3	variables	variable	NOUN
ejge-10853	166	4	are	be	AUX
ejge-10853	166	5	credit	credit	NOUN
ejge-10853	166	6	quality	quality	NOUN
ejge-10853	166	7	(	(	PUNCT
ejge-10853	166	8	icv	icv	NOUN
ejge-10853	166	9	and	and	CCONJ
ejge-10853	166	10	cvct	cvct	NOUN
ejge-10853	166	11	)	)	PUNCT
ejge-10853	166	12	,	,	PUNCT
ejge-10853	166	13	management	management	NOUN
ejge-10853	166	14	efficiency	efficiency	NOUN
ejge-10853	166	15	(	(	PUNCT
ejge-10853	166	16	ctin	ctin	NOUN
ejge-10853	166	17	)	)	PUNCT
ejge-10853	166	18	,	,	PUNCT
ejge-10853	166	19	capital	capital	NOUN
ejge-10853	166	20	adequacy	adequacy	NOUN
ejge-10853	166	21	(	(	PUNCT
ejge-10853	166	22	tier	tier	NOUN
ejge-10853	166	23	1	1	NUM
ejge-10853	166	24	)	)	PUNCT
ejge-10853	166	25	,	,	PUNCT
ejge-10853	166	26	bank	bank	NOUN
ejge-10853	166	27	size	size	NOUN
ejge-10853	166	28	(	(	PUNCT
ejge-10853	166	29	logat	logat	NOUN
ejge-10853	166	30	)	)	PUNCT
ejge-10853	166	31	,	,	PUNCT
ejge-10853	166	32	financial	financial	ADJ
ejge-10853	166	33	margin	margin	NOUN
ejge-10853	166	34	(	(	PUNCT
ejge-10853	166	35	mf	mf	X
ejge-10853	166	36	)	)	PUNCT
ejge-10853	166	37	,	,	PUNCT
ejge-10853	166	38	banking	banking	NOUN
ejge-10853	166	39	product	product	NOUN
ejge-10853	166	40	(	(	PUNCT
ejge-10853	166	41	pb	pb	NOUN
ejge-10853	166	42	)	)	PUNCT
ejge-10853	166	43	and	and	CCONJ
ejge-10853	166	44	euribor	euribor	PROPN
ejge-10853	166	45	(	(	PUNCT
ejge-10853	166	46	eur	eur	PROPN
ejge-10853	166	47	)	)	PUNCT
ejge-10853	166	48	.	.	PUNCT
ejge-10853	167	1	•	•	NOUN
ejge-10853	167	2	in	in	ADP
ejge-10853	167	3	line	line	NOUN
ejge-10853	167	4	with	with	ADP
ejge-10853	167	5	nunes	nunes	PROPN
ejge-10853	167	6	(	(	PUNCT
ejge-10853	167	7	2021	2021	NUM
ejge-10853	167	8	)	)	PUNCT
ejge-10853	167	9	,	,	PUNCT
ejge-10853	167	10	impairment	impairment	NOUN
ejge-10853	167	11	on	on	ADP
ejge-10853	167	12	non	non	ADJ
ejge-10853	167	13	-	-	ADJ
ejge-10853	167	14	performing	performing	ADJ
ejge-10853	167	15	loans	loan	NOUN
ejge-10853	167	16	(	(	PUNCT
ejge-10853	167	17	icv	icv	PROPN
ejge-10853	167	18	)	)	PUNCT
ejge-10853	167	19	is	be	AUX
ejge-10853	167	20	a	a	DET
ejge-10853	167	21	proxy	proxy	NOUN
ejge-10853	167	22	for	for	ADP
ejge-10853	167	23	credit	credit	NOUN
ejge-10853	167	24	risk	risk	NOUN
ejge-10853	167	25	.	.	PUNCT
ejge-10853	168	1	in	in	ADP
ejge-10853	168	2	practice	practice	NOUN
ejge-10853	168	3	,	,	PUNCT
ejge-10853	168	4	the	the	PRON
ejge-10853	168	5	higher	high	ADJ
ejge-10853	168	6	this	this	DET
ejge-10853	168	7	ratio	ratio	NOUN
ejge-10853	168	8	,	,	PUNCT
ejge-10853	168	9	the	the	PRON
ejge-10853	168	10	lower	low	ADJ
ejge-10853	168	11	the	the	DET
ejge-10853	168	12	banks	bank	NOUN
ejge-10853	168	13	'	'	PART
ejge-10853	168	14	credit	credit	NOUN
ejge-10853	168	15	quality	quality	NOUN
ejge-10853	168	16	,	,	PUNCT
ejge-10853	168	17	having	have	VERB
ejge-10853	168	18	a	a	DET
ejge-10853	168	19	negative	negative	ADJ
ejge-10853	168	20	impact	impact	NOUN
ejge-10853	168	21	on	on	ADP
ejge-10853	168	22	their	their	PRON
ejge-10853	168	23	profitability	profitability	NOUN
ejge-10853	168	24	.	.	PUNCT
ejge-10853	169	1	•	•	NUM
ejge-10853	169	2	in	in	ADP
ejge-10853	169	3	line	line	NOUN
ejge-10853	169	4	with	with	ADP
ejge-10853	169	5	kasanaa	kasanaa	PROPN
ejge-10853	169	6	et	et	PROPN
ejge-10853	169	7	al	al	PROPN
ejge-10853	169	8	.	.	PROPN
ejge-10853	170	1	(	(	PUNCT
ejge-10853	170	2	2023	2023	NUM
ejge-10853	170	3	)	)	PUNCT
ejge-10853	170	4	,	,	PUNCT
ejge-10853	170	5	lamothe	lamothe	INTJ
ejge-10853	170	6	et	et	PROPN
ejge-10853	170	7	al	al	PROPN
ejge-10853	170	8	.	.	PROPN
ejge-10853	171	1	(	(	PUNCT
ejge-10853	171	2	2024	2024	NUM
ejge-10853	171	3	)	)	PUNCT
ejge-10853	171	4	,	,	PUNCT
ejge-10853	171	5	qehaja	qehaja	NOUN
ejge-10853	171	6	-	-	PUNCT
ejge-10853	171	7	keka	keka	NOUN
ejge-10853	171	8	et	et	PROPN
ejge-10853	171	9	al	al	PROPN
ejge-10853	171	10	.	.	PROPN
ejge-10853	172	1	(	(	PUNCT
ejge-10853	172	2	2023	2023	NUM
ejge-10853	172	3	)	)	PUNCT
ejge-10853	172	4	and	and	CCONJ
ejge-10853	172	5	yuan	yuan	NOUN
ejge-10853	172	6	et	et	PROPN
ejge-10853	172	7	al	al	PROPN
ejge-10853	172	8	.	.	PROPN
ejge-10853	173	1	(	(	PUNCT
ejge-10853	173	2	2022	2022	NUM
ejge-10853	173	3	)	)	PUNCT
ejge-10853	173	4	,	,	PUNCT
ejge-10853	173	5	overdue	overdue	ADJ
ejge-10853	173	6	loans	loan	NOUN
ejge-10853	173	7	over	over	ADP
ejge-10853	173	8	total	total	ADJ
ejge-10853	173	9	loans	loan	NOUN
ejge-10853	173	10	(	(	PUNCT
ejge-10853	173	11	cvct	cvct	NOUN
ejge-10853	173	12	)	)	PUNCT
ejge-10853	173	13	or	or	CCONJ
ejge-10853	173	14	non	non	ADJ
ejge-10853	173	15	-	-	ADJ
ejge-10853	173	16	performing	perform	VERB
ejge-10853	173	17	loans	loan	NOUN
ejge-10853	173	18	are	be	AUX
ejge-10853	173	19	a	a	DET
ejge-10853	173	20	proxy	proxy	NOUN
ejge-10853	173	21	for	for	ADP
ejge-10853	173	22	credit	credit	NOUN
ejge-10853	173	23	risk	risk	NOUN
ejge-10853	173	24	,	,	PUNCT
ejge-10853	173	25	like	like	ADP
ejge-10853	173	26	a	a	DET
ejge-10853	173	27	icv	icv	PROPN
ejge-10853	173	28	variable	variable	NOUN
ejge-10853	173	29	.	.	PUNCT
ejge-10853	174	1	typically	typically	ADV
ejge-10853	174	2	,	,	PUNCT
ejge-10853	174	3	an	an	DET
ejge-10853	174	4	increase	increase	NOUN
ejge-10853	174	5	in	in	ADP
ejge-10853	174	6	the	the	DET
ejge-10853	174	7	ratio	ratio	NOUN
ejge-10853	174	8	of	of	ADP
ejge-10853	174	9	non	non	ADJ
ejge-10853	174	10	-	-	ADJ
ejge-10853	174	11	performing	perform	VERB
ejge-10853	174	12	loans	loan	NOUN
ejge-10853	174	13	will	will	AUX
ejge-10853	174	14	reduce	reduce	VERB
ejge-10853	174	15	banks	bank	NOUN
ejge-10853	174	16	'	'	PART
ejge-10853	174	17	profitability	profitability	NOUN
ejge-10853	174	18	.	.	PUNCT
ejge-10853	175	1	•	•	NUM
ejge-10853	175	2	the	the	DET
ejge-10853	175	3	cost	cost	NOUN
ejge-10853	175	4	-	-	PUNCT
ejge-10853	175	5	income	income	NOUN
ejge-10853	175	6	ratio	ratio	NOUN
ejge-10853	175	7	(	(	PUNCT
ejge-10853	175	8	ctin	ctin	NOUN
ejge-10853	175	9	)	)	PUNCT
ejge-10853	175	10	is	be	AUX
ejge-10853	175	11	defined	define	VERB
ejge-10853	175	12	as	as	ADP
ejge-10853	175	13	operating	operating	NOUN
ejge-10853	175	14	expenses	expense	NOUN
ejge-10853	175	15	over	over	ADP
ejge-10853	175	16	total	total	ADJ
ejge-10853	175	17	gross	gross	ADJ
ejge-10853	175	18	profits	profit	NOUN
ejge-10853	175	19	.	.	PUNCT
ejge-10853	176	1	it	it	PRON
ejge-10853	176	2	is	be	AUX
ejge-10853	176	3	a	a	DET
ejge-10853	176	4	proxy	proxy	NOUN
ejge-10853	176	5	for	for	ADP
ejge-10853	176	6	management	management	NOUN
ejge-10853	176	7	capacity	capacity	NOUN
ejge-10853	176	8	and	and	CCONJ
ejge-10853	176	9	measures	measure	NOUN
ejge-10853	176	10	a	a	DET
ejge-10853	176	11	bank	bank	NOUN
ejge-10853	176	12	's	's	PART
ejge-10853	176	13	operating	operating	NOUN
ejge-10853	176	14	costs	cost	NOUN
ejge-10853	176	15	as	as	ADP
ejge-10853	176	16	a	a	DET
ejge-10853	176	17	proportion	proportion	NOUN
ejge-10853	176	18	of	of	ADP
ejge-10853	176	19	its	its	PRON
ejge-10853	176	20	total	total	ADJ
ejge-10853	176	21	profits	profit	NOUN
ejge-10853	176	22	.	.	PUNCT
ejge-10853	177	1	in	in	ADP
ejge-10853	177	2	general	general	ADJ
ejge-10853	177	3	,	,	PUNCT
ejge-10853	177	4	it	it	PRON
ejge-10853	177	5	measures	measure	VERB
ejge-10853	177	6	the	the	DET
ejge-10853	177	7	efficiency	efficiency	NOUN
ejge-10853	177	8	of	of	ADP
ejge-10853	177	9	a	a	DET
ejge-10853	177	10	bank	bank	NOUN
ejge-10853	177	11	's	's	PART
ejge-10853	177	12	management	management	NOUN
ejge-10853	177	13	.	.	PUNCT
ejge-10853	178	1	an	an	DET
ejge-10853	178	2	increase	increase	NOUN
ejge-10853	178	3	in	in	ADP
ejge-10853	178	4	operating	operating	NOUN
ejge-10853	178	5	expenses	expense	NOUN
ejge-10853	178	6	is	be	AUX
ejge-10853	178	7	expected	expect	VERB
ejge-10853	178	8	to	to	PART
ejge-10853	178	9	have	have	VERB
ejge-10853	178	10	a	a	DET
ejge-10853	178	11	negative	negative	ADJ
ejge-10853	178	12	impact	impact	NOUN
ejge-10853	178	13	on	on	ADP
ejge-10853	178	14	banks	bank	NOUN
ejge-10853	178	15	'	'	PART
ejge-10853	178	16	profitability	profitability	NOUN
ejge-10853	178	17	if	if	SCONJ
ejge-10853	178	18	everything	everything	PRON
ejge-10853	178	19	remains	remain	VERB
ejge-10853	178	20	constant	constant	ADJ
ejge-10853	178	21	.	.	PUNCT
ejge-10853	179	1	this	this	PRON
ejge-10853	179	2	contrasts	contrast	VERB
ejge-10853	179	3	with	with	ADP
ejge-10853	179	4	mashamba	mashamba	NOUN
ejge-10853	179	5	and	and	CCONJ
ejge-10853	179	6	chikutuma	chikutuma	PROPN
ejge-10853	179	7	(	(	PUNCT
ejge-10853	179	8	2023	2023	NUM
ejge-10853	179	9	)	)	PUNCT
ejge-10853	179	10	,	,	PUNCT
ejge-10853	179	11	where	where	SCONJ
ejge-10853	179	12	cost	cost	NOUN
ejge-10853	179	13	-	-	PUNCT
ejge-10853	179	14	income	income	NOUN
ejge-10853	179	15	ratio	ratio	NOUN
ejge-10853	179	16	had	have	VERB
ejge-10853	179	17	a	a	DET
ejge-10853	179	18	positive	positive	ADJ
ejge-10853	179	19	impact	impact	NOUN
ejge-10853	179	20	on	on	ADP
ejge-10853	179	21	roa	roa	PROPN
ejge-10853	179	22	and	and	CCONJ
ejge-10853	179	23	roe	roe	PROPN
ejge-10853	179	24	.	.	PUNCT
ejge-10853	180	1	•	•	NUM
ejge-10853	180	2	the	the	DET
ejge-10853	180	3	solvability	solvability	NOUN
ejge-10853	180	4	ratio	ratio	NOUN
ejge-10853	180	5	(	(	PUNCT
ejge-10853	180	6	tier	tier	NOUN
ejge-10853	180	7	1	1	NUM
ejge-10853	180	8	)	)	PUNCT
ejge-10853	180	9	is	be	AUX
ejge-10853	180	10	defined	define	VERB
ejge-10853	180	11	as	as	ADP
ejge-10853	180	12	basic	basic	ADJ
ejge-10853	180	13	own	own	ADJ
ejge-10853	180	14	funds	fund	NOUN
ejge-10853	180	15	or	or	CCONJ
ejge-10853	180	16	highest	high	ADJ
ejge-10853	180	17	quality	quality	NOUN
ejge-10853	180	18	own	own	ADJ
ejge-10853	180	19	funds	fund	NOUN
ejge-10853	180	20	over	over	ADP
ejge-10853	180	21	risk	risk	NOUN
ejge-10853	180	22	-	-	PUNCT
ejge-10853	180	23	weighted	weight	VERB
ejge-10853	180	24	assets	asset	NOUN
ejge-10853	180	25	.	.	PUNCT
ejge-10853	181	1	this	this	DET
ejge-10853	181	2	ratio	ratio	NOUN
ejge-10853	181	3	is	be	AUX
ejge-10853	181	4	a	a	DET
ejge-10853	181	5	proxy	proxy	NOUN
ejge-10853	181	6	of	of	ADP
ejge-10853	181	7	capital	capital	NOUN
ejge-10853	181	8	adequacy	adequacy	NOUN
ejge-10853	181	9	and	and	CCONJ
ejge-10853	181	10	measures	measure	VERB
ejge-10853	181	11	financial	financial	ADJ
ejge-10853	181	12	strength	strength	NOUN
ejge-10853	181	13	.	.	PUNCT
ejge-10853	182	1	in	in	ADP
ejge-10853	182	2	general	general	ADJ
ejge-10853	182	3	,	,	PUNCT
ejge-10853	182	4	banks	bank	NOUN
ejge-10853	182	5	with	with	ADP
ejge-10853	182	6	higher	high	ADJ
ejge-10853	182	7	solvability	solvability	NOUN
ejge-10853	182	8	ratios	ratio	NOUN
ejge-10853	182	9	are	be	AUX
ejge-10853	182	10	considered	consider	VERB
ejge-10853	182	11	safer	safe	ADJ
ejge-10853	182	12	,	,	PUNCT
ejge-10853	182	13	with	with	ADP
ejge-10853	182	14	a	a	DET
ejge-10853	182	15	positive	positive	ADJ
ejge-10853	182	16	impact	impact	NOUN
ejge-10853	182	17	on	on	ADP
ejge-10853	182	18	banks	bank	NOUN
ejge-10853	182	19	’	'	PUNCT
ejge-10853	182	20	profitability	profitability	NOUN
ejge-10853	182	21	(	(	PUNCT
ejge-10853	182	22	haddad	haddad	PROPN
ejge-10853	182	23	et	et	PROPN
ejge-10853	182	24	al	al	PROPN
ejge-10853	182	25	.	.	PROPN
ejge-10853	182	26	,	,	PUNCT
ejge-10853	182	27	2019	2019	NUM
ejge-10853	182	28	;	;	PUNCT
ejge-10853	182	29	kasanaa	kasanaa	PROPN
ejge-10853	182	30	et	et	PROPN
ejge-10853	182	31	al	al	PROPN
ejge-10853	182	32	.	.	PROPN
ejge-10853	182	33	,	,	PUNCT
ejge-10853	182	34	2023	2023	NUM
ejge-10853	182	35	)	)	PUNCT
ejge-10853	182	36	.	.	PUNCT
ejge-10853	183	1	126	126	NUM
ejge-10853	183	2	pires	pire	NOUN
ejge-10853	183	3	et	et	PROPN
ejge-10853	183	4	al	al	PROPN
ejge-10853	183	5	.	.	PROPN
ejge-10853	183	6	•	•	NUM
ejge-10853	183	7	bank	bank	NOUN
ejge-10853	183	8	size	size	NOUN
ejge-10853	183	9	(	(	PUNCT
ejge-10853	183	10	logat	logat	NOUN
ejge-10853	183	11	)	)	PUNCT
ejge-10853	183	12	is	be	AUX
ejge-10853	183	13	calculated	calculate	VERB
ejge-10853	183	14	as	as	ADP
ejge-10853	183	15	the	the	DET
ejge-10853	183	16	logarithm	logarithm	NOUN
ejge-10853	183	17	of	of	ADP
ejge-10853	183	18	the	the	DET
ejge-10853	183	19	bank	bank	NOUN
ejge-10853	183	20	's	's	PART
ejge-10853	183	21	total	total	ADJ
ejge-10853	183	22	assets	asset	NOUN
ejge-10853	183	23	.	.	PUNCT
ejge-10853	184	1	this	this	DET
ejge-10853	184	2	proxy	proxy	NOUN
ejge-10853	184	3	has	have	AUX
ejge-10853	184	4	been	be	AUX
ejge-10853	184	5	widely	widely	ADV
ejge-10853	184	6	used	use	VERB
ejge-10853	184	7	in	in	ADP
ejge-10853	184	8	previous	previous	ADJ
ejge-10853	184	9	literature	literature	NOUN
ejge-10853	184	10	,	,	PUNCT
ejge-10853	184	11	and	and	CCONJ
ejge-10853	184	12	its	its	PRON
ejge-10853	184	13	impact	impact	NOUN
ejge-10853	184	14	on	on	ADP
ejge-10853	184	15	bank	bank	NOUN
ejge-10853	184	16	profitability	profitability	NOUN
ejge-10853	184	17	is	be	AUX
ejge-10853	184	18	not	not	PART
ejge-10853	184	19	predictable	predictable	ADJ
ejge-10853	184	20	.	.	PUNCT
ejge-10853	185	1	however	however	ADV
ejge-10853	185	2	,	,	PUNCT
ejge-10853	185	3	according	accord	VERB
ejge-10853	185	4	to	to	ADP
ejge-10853	185	5	other	other	ADJ
ejge-10853	185	6	studies	study	NOUN
ejge-10853	185	7	(	(	PUNCT
ejge-10853	185	8	haddad	haddad	PROPN
ejge-10853	185	9	et	et	PROPN
ejge-10853	185	10	al	al	PROPN
ejge-10853	185	11	.	.	PROPN
ejge-10853	185	12	,	,	PUNCT
ejge-10853	185	13	2019	2019	NUM
ejge-10853	185	14	;	;	PUNCT
ejge-10853	185	15	yuan	yuan	NOUN
ejge-10853	185	16	et	et	PROPN
ejge-10853	185	17	al	al	PROPN
ejge-10853	185	18	.	.	PROPN
ejge-10853	185	19	,	,	PUNCT
ejge-10853	185	20	2022	2022	NUM
ejge-10853	185	21	)	)	PUNCT
ejge-10853	185	22	,	,	PUNCT
ejge-10853	185	23	a	a	DET
ejge-10853	185	24	positive	positive	ADJ
ejge-10853	185	25	correlation	correlation	NOUN
ejge-10853	185	26	is	be	AUX
ejge-10853	185	27	expected	expect	VERB
ejge-10853	185	28	between	between	ADP
ejge-10853	185	29	the	the	DET
ejge-10853	185	30	size	size	NOUN
ejge-10853	185	31	of	of	ADP
ejge-10853	185	32	the	the	DET
ejge-10853	185	33	bank	bank	NOUN
ejge-10853	185	34	and	and	CCONJ
ejge-10853	185	35	its	its	PRON
ejge-10853	185	36	profitability	profitability	NOUN
ejge-10853	185	37	.	.	PUNCT
ejge-10853	186	1	in	in	ADP
ejge-10853	186	2	contrast	contrast	NOUN
ejge-10853	186	3	,	,	PUNCT
ejge-10853	186	4	nunes	nune	NOUN
ejge-10853	186	5	(	(	PUNCT
ejge-10853	186	6	2021	2021	NUM
ejge-10853	186	7	)	)	PUNCT
ejge-10853	186	8	concluded	conclude	VERB
ejge-10853	186	9	that	that	SCONJ
ejge-10853	186	10	bank	bank	NOUN
ejge-10853	186	11	size	size	NOUN
ejge-10853	186	12	has	have	VERB
ejge-10853	186	13	a	a	DET
ejge-10853	186	14	positive	positive	ADJ
ejge-10853	186	15	impact	impact	NOUN
ejge-10853	186	16	on	on	ADP
ejge-10853	186	17	roa	roa	PROPN
ejge-10853	186	18	and	and	CCONJ
ejge-10853	186	19	roe	roe	PROPN
ejge-10853	186	20	.	.	PUNCT
ejge-10853	187	1	•	•	NUM
ejge-10853	187	2	financial	financial	ADJ
ejge-10853	187	3	margin	margin	NOUN
ejge-10853	187	4	(	(	PUNCT
ejge-10853	187	5	mf	mf	X
ejge-10853	187	6	)	)	PUNCT
ejge-10853	187	7	is	be	AUX
ejge-10853	187	8	the	the	DET
ejge-10853	187	9	term	term	NOUN
ejge-10853	187	10	used	use	VERB
ejge-10853	187	11	in	in	ADP
ejge-10853	187	12	the	the	DET
ejge-10853	187	13	analysis	analysis	NOUN
ejge-10853	187	14	of	of	ADP
ejge-10853	187	15	banks	bank	NOUN
ejge-10853	187	16	and	and	CCONJ
ejge-10853	187	17	results	result	NOUN
ejge-10853	187	18	from	from	ADP
ejge-10853	187	19	the	the	DET
ejge-10853	187	20	difference	difference	NOUN
ejge-10853	187	21	between	between	ADP
ejge-10853	187	22	the	the	DET
ejge-10853	187	23	interest	interest	NOUN
ejge-10853	187	24	charged	charge	VERB
ejge-10853	187	25	on	on	ADP
ejge-10853	187	26	credits	credit	NOUN
ejge-10853	187	27	granted	grant	VERB
ejge-10853	187	28	(	(	PUNCT
ejge-10853	187	29	calculated	calculate	VERB
ejge-10853	187	30	using	use	VERB
ejge-10853	187	31	the	the	DET
ejge-10853	187	32	active	active	ADJ
ejge-10853	187	33	interest	interest	NOUN
ejge-10853	187	34	rate	rate	NOUN
ejge-10853	187	35	)	)	PUNCT
ejge-10853	187	36	and	and	CCONJ
ejge-10853	187	37	the	the	DET
ejge-10853	187	38	interest	interest	NOUN
ejge-10853	187	39	paid	pay	VERB
ejge-10853	187	40	to	to	ADP
ejge-10853	187	41	holders	holder	NOUN
ejge-10853	187	42	of	of	ADP
ejge-10853	187	43	funds	fund	NOUN
ejge-10853	187	44	deposited	deposit	VERB
ejge-10853	187	45	in	in	ADP
ejge-10853	187	46	banks	bank	NOUN
ejge-10853	187	47	(	(	PUNCT
ejge-10853	187	48	calculated	calculate	VERB
ejge-10853	187	49	using	use	VERB
ejge-10853	187	50	the	the	DET
ejge-10853	187	51	passive	passive	ADJ
ejge-10853	187	52	interest	interest	NOUN
ejge-10853	187	53	rate	rate	NOUN
ejge-10853	187	54	)	)	PUNCT
ejge-10853	187	55	.	.	PUNCT
ejge-10853	188	1	it	it	PRON
ejge-10853	188	2	is	be	AUX
ejge-10853	188	3	expected	expect	VERB
ejge-10853	188	4	to	to	PART
ejge-10853	188	5	have	have	VERB
ejge-10853	188	6	a	a	DET
ejge-10853	188	7	positive	positive	ADJ
ejge-10853	188	8	impact	impact	NOUN
ejge-10853	188	9	on	on	ADP
ejge-10853	188	10	banks	bank	NOUN
ejge-10853	188	11	’	'	PUNCT
ejge-10853	188	12	profitability	profitability	NOUN
ejge-10853	188	13	.	.	PUNCT
ejge-10853	189	1	•	•	NUM
ejge-10853	189	2	banking	banking	NOUN
ejge-10853	189	3	product	product	NOUN
ejge-10853	189	4	(	(	PUNCT
ejge-10853	189	5	pb	pb	NOUN
ejge-10853	189	6	)	)	PUNCT
ejge-10853	189	7	corresponds	correspond	VERB
ejge-10853	189	8	to	to	ADP
ejge-10853	189	9	the	the	DET
ejge-10853	189	10	gains	gain	NOUN
ejge-10853	189	11	achieved	achieve	VERB
ejge-10853	189	12	directly	directly	ADV
ejge-10853	189	13	from	from	ADP
ejge-10853	189	14	banking	banking	NOUN
ejge-10853	189	15	activities	activity	NOUN
ejge-10853	189	16	.	.	PUNCT
ejge-10853	190	1	•	•	NUM
ejge-10853	190	2	euribor	euribor	PROPN
ejge-10853	190	3	(	(	PUNCT
ejge-10853	190	4	eur	eur	NOUN
ejge-10853	190	5	)	)	PUNCT
ejge-10853	190	6	is	be	AUX
ejge-10853	190	7	an	an	DET
ejge-10853	190	8	abbreviation	abbreviation	NOUN
ejge-10853	190	9	for	for	ADP
ejge-10853	190	10	euro	euro	NOUN
ejge-10853	190	11	interbank	interbank	NOUN
ejge-10853	190	12	offered	offer	VERB
ejge-10853	190	13	rate	rate	NOUN
ejge-10853	190	14	;	;	PUNCT
ejge-10853	190	15	it	it	PRON
ejge-10853	190	16	represents	represent	VERB
ejge-10853	190	17	the	the	DET
ejge-10853	190	18	average	average	ADJ
ejge-10853	190	19	interest	interest	NOUN
ejge-10853	190	20	rate	rate	NOUN
ejge-10853	190	21	charged	charge	VERB
ejge-10853	190	22	on	on	ADP
ejge-10853	190	23	loans	loan	NOUN
ejge-10853	190	24	between	between	ADP
ejge-10853	190	25	a	a	DET
ejge-10853	190	26	specific	specific	ADJ
ejge-10853	190	27	group	group	NOUN
ejge-10853	190	28	of	of	ADP
ejge-10853	190	29	banks	bank	NOUN
ejge-10853	190	30	in	in	ADP
ejge-10853	190	31	euros	euro	NOUN
ejge-10853	190	32	.	.	PUNCT
ejge-10853	191	1	puci	puci	PROPN
ejge-10853	191	2	et	et	PROPN
ejge-10853	191	3	al	al	PROPN
ejge-10853	191	4	.	.	PROPN
ejge-10853	192	1	(	(	PUNCT
ejge-10853	192	2	2023	2023	NUM
ejge-10853	192	3	)	)	PUNCT
ejge-10853	192	4	show	show	VERB
ejge-10853	192	5	a	a	DET
ejge-10853	192	6	negative	negative	ADJ
ejge-10853	192	7	impact	impact	NOUN
ejge-10853	192	8	on	on	ADP
ejge-10853	192	9	banks	bank	NOUN
ejge-10853	192	10	’	'	PUNCT
ejge-10853	192	11	profitability	profitability	NOUN
ejge-10853	192	12	before	before	ADP
ejge-10853	192	13	the	the	DET
ejge-10853	192	14	year	year	NOUN
ejge-10853	192	15	2020	2020	NUM
ejge-10853	192	16	.	.	PUNCT
ejge-10853	193	1	in	in	ADP
ejge-10853	193	2	our	our	PRON
ejge-10853	193	3	study	study	NOUN
ejge-10853	193	4	,	,	PUNCT
ejge-10853	193	5	we	we	PRON
ejge-10853	193	6	expect	expect	VERB
ejge-10853	193	7	a	a	DET
ejge-10853	193	8	positive	positive	ADJ
ejge-10853	193	9	impact	impact	NOUN
ejge-10853	193	10	of	of	ADP
ejge-10853	193	11	euribor	euribor	PROPN
ejge-10853	193	12	on	on	ADP
ejge-10853	193	13	banks	bank	NOUN
ejge-10853	193	14	’	’	PART
ejge-10853	193	15	profitability	profitability	NOUN
ejge-10853	193	16	after	after	ADP
ejge-10853	193	17	2021	2021	NUM
ejge-10853	193	18	.	.	PUNCT
ejge-10853	194	1	it	it	PRON
ejge-10853	194	2	should	should	AUX
ejge-10853	194	3	be	be	AUX
ejge-10853	194	4	noted	note	VERB
ejge-10853	194	5	that	that	SCONJ
ejge-10853	194	6	the	the	DET
ejge-10853	194	7	behaviour	behaviour	NOUN
ejge-10853	194	8	of	of	ADP
ejge-10853	194	9	euribor	euribor	PROPN
ejge-10853	194	10	has	have	AUX
ejge-10853	194	11	changed	change	VERB
ejge-10853	194	12	significantly	significantly	ADV
ejge-10853	194	13	after	after	ADP
ejge-10853	194	14	this	this	DET
ejge-10853	194	15	year	year	NOUN
ejge-10853	194	16	.	.	PUNCT
ejge-10853	195	1	table	table	NOUN
ejge-10853	195	2	3	3	NUM
ejge-10853	195	3	summarises	summarise	NOUN
ejge-10853	195	4	the	the	DET
ejge-10853	195	5	independent	independent	ADJ
ejge-10853	195	6	variables	variable	NOUN
ejge-10853	195	7	used	use	VERB
ejge-10853	195	8	and	and	CCONJ
ejge-10853	195	9	the	the	DET
ejge-10853	195	10	expected	expect	VERB
ejge-10853	195	11	effect	effect	NOUN
ejge-10853	195	12	on	on	ADP
ejge-10853	195	13	roe	roe	PROPN
ejge-10853	195	14	and	and	CCONJ
ejge-10853	195	15	roa	roa	PROPN
ejge-10853	195	16	.	.	PROPN
ejge-10853	195	17	table	table	PROPN
ejge-10853	196	1	3	3	NUM
ejge-10853	196	2	.	.	PUNCT
ejge-10853	196	3	independent	independent	ADJ
ejge-10853	196	4	variables	variable	NOUN
ejge-10853	196	5	,	,	PUNCT
ejge-10853	196	6	definition	definition	NOUN
ejge-10853	196	7	,	,	PUNCT
ejge-10853	196	8	and	and	CCONJ
ejge-10853	196	9	expected	expect	VERB
ejge-10853	196	10	effects	effect	NOUN
ejge-10853	196	11	variable	variable	ADJ
ejge-10853	196	12	definition	definition	NOUN
ejge-10853	196	13	expected	expect	VERB
ejge-10853	196	14	effect	effect	NOUN
ejge-10853	196	15	icv	icv	NOUN
ejge-10853	196	16	impairment	impairment	NOUN
ejge-10853	196	17	on	on	ADP
ejge-10853	196	18	non	non	ADJ
ejge-10853	196	19	-	-	ADJ
ejge-10853	196	20	performing	performing	ADJ
ejge-10853	196	21	loans	loan	NOUN
ejge-10853	196	22	−	−	PROPN
ejge-10853	196	23	cvct	cvct	NOUN
ejge-10853	196	24	overdue	overdue	ADJ
ejge-10853	196	25	loans	loan	NOUN
ejge-10853	196	26	over	over	ADP
ejge-10853	196	27	total	total	ADJ
ejge-10853	196	28	loans	loan	NOUN
ejge-10853	196	29	−	−	NOUN
ejge-10853	196	30	ctin	ctin	NOUN
ejge-10853	196	31	operating	operating	NOUN
ejge-10853	196	32	expenses	expense	NOUN
ejge-10853	196	33	over	over	ADP
ejge-10853	196	34	total	total	ADJ
ejge-10853	196	35	gross	gross	ADJ
ejge-10853	196	36	profits	profit	NOUN
ejge-10853	196	37	−	−	PROPN
ejge-10853	196	38	tier	tier	NOUN
ejge-10853	196	39	highest	high	ADJ
ejge-10853	196	40	quality	quality	NOUN
ejge-10853	196	41	own	own	ADJ
ejge-10853	196	42	funds	fund	NOUN
ejge-10853	196	43	over	over	ADP
ejge-10853	196	44	risk	risk	NOUN
ejge-10853	196	45	-	-	PUNCT
ejge-10853	196	46	weighted	weight	VERB
ejge-10853	196	47	assets	asset	NOUN
ejge-10853	196	48	+	+	CCONJ
ejge-10853	196	49	logat	logat	ADJ
ejge-10853	196	50	logarithm	logarithm	NOUN
ejge-10853	196	51	of	of	ADP
ejge-10853	196	52	the	the	DET
ejge-10853	196	53	bank	bank	NOUN
ejge-10853	196	54	's	's	PART
ejge-10853	196	55	total	total	ADJ
ejge-10853	196	56	assets	asset	NOUN
ejge-10853	196	57	+	+	CCONJ
ejge-10853	196	58	mf	mf	NOUN
ejge-10853	196	59	difference	difference	NOUN
ejge-10853	196	60	between	between	ADP
ejge-10853	196	61	active	active	ADJ
ejge-10853	196	62	and	and	CCONJ
ejge-10853	196	63	passive	passive	ADJ
ejge-10853	196	64	interest	interest	NOUN
ejge-10853	196	65	rate	rate	NOUN
ejge-10853	196	66	+	+	CCONJ
ejge-10853	196	67	pb	pb	ADP
ejge-10853	196	68	gains	gain	NOUN
ejge-10853	196	69	achieved	achieve	VERB
ejge-10853	196	70	directly	directly	ADV
ejge-10853	196	71	from	from	ADP
ejge-10853	196	72	banking	banking	NOUN
ejge-10853	196	73	activities	activity	NOUN
ejge-10853	196	74	+	+	CCONJ
ejge-10853	196	75	eur	eur	ADJ
ejge-10853	196	76	average	average	ADJ
ejge-10853	196	77	interest	interest	NOUN
ejge-10853	196	78	rates	rate	NOUN
ejge-10853	196	79	charged	charge	VERB
ejge-10853	196	80	on	on	ADP
ejge-10853	196	81	loans	loan	NOUN
ejge-10853	196	82	+	+	CCONJ
ejge-10853	196	83	source	source	NOUN
ejge-10853	196	84	:	:	PUNCT
ejge-10853	196	85	own	own	ADJ
ejge-10853	196	86	elaboration	elaboration	NOUN
ejge-10853	196	87	.	.	PUNCT
ejge-10853	197	1	we	we	PRON
ejge-10853	197	2	expect	expect	VERB
ejge-10853	197	3	a	a	DET
ejge-10853	197	4	negative	negative	ADJ
ejge-10853	197	5	effect	effect	NOUN
ejge-10853	197	6	of	of	ADP
ejge-10853	197	7	credit	credit	NOUN
ejge-10853	197	8	quality	quality	NOUN
ejge-10853	197	9	(	(	PUNCT
ejge-10853	197	10	icv	icv	NOUN
ejge-10853	197	11	and	and	CCONJ
ejge-10853	197	12	cvct	cvct	NOUN
ejge-10853	197	13	)	)	PUNCT
ejge-10853	197	14	and	and	CCONJ
ejge-10853	197	15	management	management	NOUN
ejge-10853	197	16	quality	quality	NOUN
ejge-10853	197	17	(	(	PUNCT
ejge-10853	197	18	ctin	ctin	NOUN
ejge-10853	197	19	)	)	PUNCT
ejge-10853	197	20	.	.	PUNCT
ejge-10853	198	1	in	in	ADP
ejge-10853	198	2	contrast	contrast	NOUN
ejge-10853	198	3	,	,	PUNCT
ejge-10853	198	4	we	we	PRON
ejge-10853	198	5	expect	expect	VERB
ejge-10853	198	6	a	a	DET
ejge-10853	198	7	positive	positive	ADJ
ejge-10853	198	8	impact	impact	NOUN
ejge-10853	198	9	of	of	ADP
ejge-10853	198	10	capital	capital	NOUN
ejge-10853	198	11	adequacy	adequacy	NOUN
ejge-10853	198	12	(	(	PUNCT
ejge-10853	198	13	tier	tier	NOUN
ejge-10853	198	14	)	)	PUNCT
ejge-10853	198	15	,	,	PUNCT
ejge-10853	198	16	size	size	NOUN
ejge-10853	198	17	and	and	CCONJ
ejge-10853	198	18	euribor	euribor	NOUN
ejge-10853	198	19	.	.	PUNCT
ejge-10853	199	1	this	this	DET
ejge-10853	199	2	expected	expect	VERB
ejge-10853	199	3	effect	effect	NOUN
ejge-10853	199	4	has	have	VERB
ejge-10853	199	5	to	to	PART
ejge-10853	199	6	do	do	VERB
ejge-10853	199	7	with	with	ADP
ejge-10853	199	8	the	the	DET
ejge-10853	199	9	institutions	institution	NOUN
ejge-10853	199	10	that	that	PRON
ejge-10853	199	11	are	be	AUX
ejge-10853	199	12	currently	currently	ADV
ejge-10853	199	13	active	active	ADJ
ejge-10853	199	14	in	in	ADP
ejge-10853	199	15	portugal	portugal	PROPN
ejge-10853	199	16	.	.	PUNCT
ejge-10853	200	1	the	the	DET
ejge-10853	200	2	greatest	great	ADJ
ejge-10853	200	3	requirements	requirement	NOUN
ejge-10853	200	4	of	of	ADP
ejge-10853	200	5	supervisory	supervisory	ADJ
ejge-10853	200	6	rules	rule	NOUN
ejge-10853	200	7	resulting	result	VERB
ejge-10853	200	8	from	from	ADP
ejge-10853	200	9	the	the	DET
ejge-10853	200	10	tree	tree	NOUN
ejge-10853	200	11	basel	basel	PROPN
ejge-10853	200	12	accords	accords	PROPN
ejge-10853	200	13	,	,	PUNCT
ejge-10853	200	14	particularly	particularly	ADV
ejge-10853	200	15	the	the	DET
ejge-10853	200	16	third	third	ADJ
ejge-10853	200	17	agreement	agreement	NOUN
ejge-10853	200	18	,	,	PUNCT
ejge-10853	200	19	through	through	ADP
ejge-10853	200	20	which	which	PRON
ejge-10853	200	21	capital	capital	NOUN
ejge-10853	200	22	requirements	requirement	NOUN
ejge-10853	200	23	,	,	PUNCT
ejge-10853	200	24	to	to	PART
ejge-10853	200	25	address	address	VERB
ejge-10853	200	26	banking	banking	NOUN
ejge-10853	200	27	risks	risk	NOUN
ejge-10853	200	28	,	,	PUNCT
ejge-10853	200	29	namely	namely	ADV
ejge-10853	200	30	liquidity	liquidity	NOUN
ejge-10853	200	31	,	,	PUNCT
ejge-10853	200	32	became	become	VERB
ejge-10853	200	33	much	much	ADV
ejge-10853	200	34	more	more	ADV
ejge-10853	200	35	stringent	stringent	ADJ
ejge-10853	200	36	.	.	PUNCT
ejge-10853	201	1	as	as	SCONJ
ejge-10853	201	2	we	we	PRON
ejge-10853	201	3	know	know	VERB
ejge-10853	201	4	,	,	PUNCT
ejge-10853	201	5	we	we	PRON
ejge-10853	201	6	have	have	AUX
ejge-10853	201	7	lived	live	VERB
ejge-10853	201	8	through	through	ADP
ejge-10853	201	9	years	year	NOUN
ejge-10853	201	10	in	in	ADP
ejge-10853	201	11	which	which	PRON
ejge-10853	201	12	euribor	euribor	NOUN
ejge-10853	201	13	has	have	AUX
ejge-10853	201	14	presented	present	VERB
ejge-10853	201	15	negative	negative	ADJ
ejge-10853	201	16	values	value	NOUN
ejge-10853	201	17	and	and	CCONJ
ejge-10853	201	18	banks	bank	NOUN
ejge-10853	201	19	have	have	AUX
ejge-10853	201	20	presented	present	VERB
ejge-10853	201	21	lower	low	ADJ
ejge-10853	201	22	returns	return	NOUN
ejge-10853	201	23	.	.	PUNCT
ejge-10853	202	1	however	however	ADV
ejge-10853	202	2	,	,	PUNCT
ejge-10853	202	3	families	family	NOUN
ejge-10853	202	4	benefitted	benefit	VERB
ejge-10853	202	5	,	,	PUNCT
ejge-10853	202	6	particularly	particularly	ADV
ejge-10853	202	7	in	in	ADP
ejge-10853	202	8	the	the	DET
ejge-10853	202	9	amount	amount	NOUN
ejge-10853	202	10	paid	pay	VERB
ejge-10853	202	11	for	for	ADP
ejge-10853	202	12	loans	loan	NOUN
ejge-10853	202	13	obtained	obtain	VERB
ejge-10853	202	14	.	.	PUNCT
ejge-10853	203	1	since	since	SCONJ
ejge-10853	203	2	2021	2021	NUM
ejge-10853	203	3	,	,	PUNCT
ejge-10853	203	4	the	the	DET
ejge-10853	203	5	euribor	euribor	PROPN
ejge-10853	203	6	rate	rate	NOUN
ejge-10853	203	7	has	have	AUX
ejge-10853	203	8	been	be	AUX
ejge-10853	203	9	increasing	increase	VERB
ejge-10853	203	10	.	.	PUNCT
ejge-10853	204	1	as	as	ADP
ejge-10853	204	2	a	a	DET
ejge-10853	204	3	result	result	NOUN
ejge-10853	204	4	,	,	PUNCT
ejge-10853	204	5	families	family	NOUN
ejge-10853	204	6	have	have	AUX
ejge-10853	204	7	suffered	suffer	VERB
ejge-10853	204	8	thanks	thank	NOUN
ejge-10853	204	9	to	to	ADP
ejge-10853	204	10	an	an	DET
ejge-10853	204	11	increased	increase	VERB
ejge-10853	204	12	amount	amount	NOUN
ejge-10853	204	13	to	to	PART
ejge-10853	204	14	be	be	AUX
ejge-10853	204	15	paid	pay	VERB
ejge-10853	204	16	for	for	ADP
ejge-10853	204	17	loans	loan	NOUN
ejge-10853	204	18	obtained	obtain	VERB
ejge-10853	204	19	.	.	PUNCT
ejge-10853	205	1	however	however	ADV
ejge-10853	205	2	,	,	PUNCT
ejge-10853	205	3	we	we	PRON
ejge-10853	205	4	anticipate	anticipate	VERB
ejge-10853	205	5	that	that	SCONJ
ejge-10853	205	6	banks	bank	NOUN
ejge-10853	205	7	expect	expect	VERB
ejge-10853	205	8	the	the	DET
ejge-10853	205	9	opposite	opposite	ADJ
ejge-10853	205	10	a	a	DET
ejge-10853	205	11	benefit	benefit	NOUN
ejge-10853	205	12	resulting	result	VERB
ejge-10853	205	13	from	from	ADP
ejge-10853	205	14	an	an	DET
ejge-10853	205	15	increased	increase	VERB
ejge-10853	205	16	euribor	euribor	NOUN
ejge-10853	205	17	.	.	PUNCT
ejge-10853	206	1	banks	bank	NOUN
ejge-10853	206	2	’	’	PART
ejge-10853	206	3	profitability	profitability	NOUN
ejge-10853	206	4	in	in	ADP
ejge-10853	206	5	portugal	portugal	PROPN
ejge-10853	206	6	from	from	ADP
ejge-10853	206	7	2013	2013	NUM
ejge-10853	206	8	to	to	ADP
ejge-10853	206	9	2023	2023	NUM
ejge-10853	206	10	3.3	3.3	NUM
ejge-10853	206	11	econometric	econometric	ADJ
ejge-10853	206	12	model	model	NOUN
ejge-10853	206	13	we	we	PRON
ejge-10853	206	14	present	present	VERB
ejge-10853	206	15	balanced	balanced	ADJ
ejge-10853	206	16	panel	panel	NOUN
ejge-10853	206	17	data	datum	NOUN
ejge-10853	206	18	because	because	SCONJ
ejge-10853	206	19	information	information	NOUN
ejge-10853	206	20	is	be	AUX
ejge-10853	206	21	available	available	ADJ
ejge-10853	206	22	for	for	ADP
ejge-10853	206	23	all	all	DET
ejge-10853	206	24	17	17	NUM
ejge-10853	206	25	banks	bank	NOUN
ejge-10853	206	26	for	for	ADP
ejge-10853	206	27	the	the	DET
ejge-10853	206	28	ten	ten	NUM
ejge-10853	206	29	years	year	NOUN
ejge-10853	206	30	under	under	ADP
ejge-10853	206	31	study	study	NOUN
ejge-10853	206	32	.	.	PUNCT
ejge-10853	207	1	the	the	DET
ejge-10853	207	2	model	model	NOUN
ejge-10853	207	3	is	be	AUX
ejge-10853	207	4	as	as	SCONJ
ejge-10853	207	5	follows	follow	VERB
ejge-10853	207	6	:	:	PUNCT
ejge-10853	207	7	𝑌𝑌𝑖𝑖,𝑡𝑡	𝑌𝑌𝑖𝑖,𝑡𝑡	PROPN
ejge-10853	207	8	=	=	SYM
ejge-10853	207	9	𝛽𝛽0	𝛽𝛽0	PROPN
ejge-10853	207	10	+	+	CCONJ
ejge-10853	207	11	�	�	PROPN
ejge-10853	207	12	𝛽𝛽𝑘𝑘𝑋𝑋𝑘𝑘𝑖𝑖,𝑡𝑡	𝛽𝛽𝑘𝑘𝑋𝑋𝑘𝑘𝑖𝑖,𝑡𝑡	NOUN
ejge-10853	207	13	7	7	NUM
ejge-10853	207	14	𝑘𝑘=1	𝑘𝑘=1	NOUN
ejge-10853	207	15	+	+	CCONJ
ejge-10853	207	16	𝜖𝜖𝑖𝑖,𝑡𝑡	𝜖𝜖𝑖𝑖,𝑡𝑡	NOUN
ejge-10853	207	17	where	where	SCONJ
ejge-10853	207	18	:	:	PUNCT
ejge-10853	207	19	𝑌𝑌𝑖𝑖,𝑡𝑡	𝑌𝑌𝑖𝑖,𝑡𝑡	PROPN
ejge-10853	207	20	=	=	SYM
ejge-10853	207	21	𝑅𝑅𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅𝑅𝑅	PROPN
ejge-10853	207	22	and	and	CCONJ
ejge-10853	207	23	𝑅𝑅𝑅𝑅𝑅𝑅	𝑅𝑅𝑅𝑅𝑅𝑅	PROPN
ejge-10853	207	24	from	from	ADP
ejge-10853	207	25	bank	bank	PROPN
ejge-10853	207	26	i	i	NOUN
ejge-10853	207	27	=	=	NOUN
ejge-10853	207	28	1	1	NUM
ejge-10853	207	29	,	,	PUNCT
ejge-10853	207	30	…	…	PUNCT
ejge-10853	207	31	,	,	PUNCT
ejge-10853	207	32	17	17	NUM
ejge-10853	207	33	and	and	CCONJ
ejge-10853	207	34	year	year	NOUN
ejge-10853	207	35	t	t	NOUN
ejge-10853	207	36	=	=	SYM
ejge-10853	207	37	1	1	NUM
ejge-10853	207	38	,	,	PUNCT
ejge-10853	207	39	…	…	PUNCT
ejge-10853	207	40	,	,	PUNCT
ejge-10853	207	41	11	11	NUM
ejge-10853	207	42	(	(	PUNCT
ejge-10853	207	43	2013–2023	2013–2023	NUM
ejge-10853	207	44	)	)	PUNCT
ejge-10853	207	45	β0	β0	NOUN
ejge-10853	207	46	=	=	PUNCT
ejge-10853	207	47	constant	constant	ADJ
ejge-10853	207	48	βk	βk	NOUN
ejge-10853	207	49	=	=	NOUN
ejge-10853	207	50	coefficients	coefficient	NOUN
ejge-10853	207	51	to	to	PART
ejge-10853	207	52	be	be	AUX
ejge-10853	207	53	estimated	estimate	VERB
ejge-10853	207	54	by	by	ADP
ejge-10853	207	55	the	the	DET
ejge-10853	207	56	model	model	NOUN
ejge-10853	207	57	xki	xki	PROPN
ejge-10853	207	58	,	,	PUNCT
ejge-10853	207	59	t	t	NOUN
ejge-10853	207	60	=	=	SYM
ejge-10853	207	61	vector	vector	NOUN
ejge-10853	207	62	of	of	ADP
ejge-10853	207	63	the	the	DET
ejge-10853	207	64	explanatory	explanatory	ADJ
ejge-10853	207	65	variables	variable	NOUN
ejge-10853	207	66	𝜖𝜖𝑖𝑖,𝑡𝑡=	𝜖𝜖𝑖𝑖,𝑡𝑡=	VERB
ejge-10853	207	67	random	random	ADJ
ejge-10853	207	68	error	error	NOUN
ejge-10853	207	69	we	we	PRON
ejge-10853	207	70	applied	apply	VERB
ejge-10853	207	71	pooled	pool	VERB
ejge-10853	207	72	ols	ol	NOUN
ejge-10853	207	73	employing	employ	VERB
ejge-10853	207	74	r	r	NOUN
ejge-10853	207	75	studio	studio	NOUN
ejge-10853	207	76	.	.	PUNCT
ejge-10853	208	1	the	the	DET
ejge-10853	208	2	breusch	breusch	ADJ
ejge-10853	208	3	-	-	PUNCT
ejge-10853	208	4	pagan	pagan	ADJ
ejge-10853	208	5	test	test	NOUN
ejge-10853	208	6	was	be	AUX
ejge-10853	208	7	applied	apply	VERB
ejge-10853	208	8	to	to	PART
ejge-10853	208	9	analyse	analyse	VERB
ejge-10853	208	10	the	the	DET
ejge-10853	208	11	existence	existence	NOUN
ejge-10853	208	12	of	of	ADP
ejge-10853	208	13	heteroscedasticity	heteroscedasticity	PROPN
ejge-10853	208	14	.	.	PUNCT
ejge-10853	209	1	based	base	VERB
ejge-10853	209	2	on	on	ADP
ejge-10853	209	3	the	the	DET
ejge-10853	209	4	test	test	NOUN
ejge-10853	209	5	carried	carry	VERB
ejge-10853	209	6	out	out	ADP
ejge-10853	209	7	,	,	PUNCT
ejge-10853	209	8	we	we	PRON
ejge-10853	209	9	concluded	conclude	VERB
ejge-10853	209	10	that	that	SCONJ
ejge-10853	209	11	it	it	PRON
ejge-10853	209	12	does	do	AUX
ejge-10853	209	13	not	not	PART
ejge-10853	209	14	exist	exist	VERB
ejge-10853	209	15	.	.	PUNCT
ejge-10853	210	1	the	the	DET
ejge-10853	210	2	random	random	ADJ
ejge-10853	210	3	-	-	PUNCT
ejge-10853	210	4	effects	effect	NOUN
ejge-10853	210	5	model	model	NOUN
ejge-10853	210	6	was	be	AUX
ejge-10853	210	7	therefore	therefore	ADV
ejge-10853	210	8	not	not	PART
ejge-10853	210	9	chosen	choose	VERB
ejge-10853	210	10	.	.	PUNCT
ejge-10853	211	1	the	the	DET
ejge-10853	211	2	most	most	ADV
ejge-10853	211	3	appropriate	appropriate	ADJ
ejge-10853	211	4	model	model	NOUN
ejge-10853	211	5	for	for	ADP
ejge-10853	211	6	our	our	PRON
ejge-10853	211	7	sample	sample	NOUN
ejge-10853	211	8	(	(	PUNCT
ejge-10853	211	9	17	17	NUM
ejge-10853	211	10	banks	bank	NOUN
ejge-10853	211	11	)	)	PUNCT
ejge-10853	211	12	was	be	AUX
ejge-10853	211	13	the	the	DET
ejge-10853	211	14	pooled	pooled	ADJ
ejge-10853	211	15	ols	ol	NOUN
ejge-10853	211	16	(	(	PUNCT
ejge-10853	211	17	breusch	breusch	PROPN
ejge-10853	211	18	&	&	CCONJ
ejge-10853	211	19	pagan	pagan	ADJ
ejge-10853	211	20	,	,	PUNCT
ejge-10853	211	21	1979	1979	NUM
ejge-10853	211	22	;	;	PUNCT
ejge-10853	211	23	koenker	koenker	NOUN
ejge-10853	211	24	,	,	PUNCT
ejge-10853	211	25	1981	1981	NUM
ejge-10853	211	26	)	)	PUNCT
ejge-10853	211	27	.	.	PUNCT
ejge-10853	212	1	4	4	X
ejge-10853	212	2	.	.	NOUN
ejge-10853	212	3	results	result	NOUN
ejge-10853	212	4	and	and	CCONJ
ejge-10853	212	5	discussion	discussion	NOUN
ejge-10853	212	6	at	at	ADP
ejge-10853	212	7	this	this	DET
ejge-10853	212	8	point	point	NOUN
ejge-10853	212	9	,	,	PUNCT
ejge-10853	212	10	the	the	DET
ejge-10853	212	11	statistical	statistical	ADJ
ejge-10853	212	12	data	datum	NOUN
ejge-10853	212	13	,	,	PUNCT
ejge-10853	212	14	the	the	DET
ejge-10853	212	15	results	result	NOUN
ejge-10853	212	16	obtained	obtain	VERB
ejge-10853	212	17	and	and	CCONJ
ejge-10853	212	18	the	the	DET
ejge-10853	212	19	comparative	comparative	ADJ
ejge-10853	212	20	analysis	analysis	NOUN
ejge-10853	212	21	with	with	ADP
ejge-10853	212	22	the	the	DET
ejge-10853	212	23	literature	literature	NOUN
ejge-10853	212	24	review	review	NOUN
ejge-10853	212	25	are	be	AUX
ejge-10853	212	26	presented	present	VERB
ejge-10853	212	27	.	.	PUNCT
ejge-10853	213	1	4.1	4.1	NUM
ejge-10853	213	2	statistical	statistical	ADJ
ejge-10853	213	3	data	datum	NOUN
ejge-10853	213	4	our	our	PRON
ejge-10853	213	5	model	model	NOUN
ejge-10853	213	6	considered	consider	VERB
ejge-10853	213	7	ten	ten	NUM
ejge-10853	213	8	variables	variable	NOUN
ejge-10853	213	9	.	.	PUNCT
ejge-10853	214	1	descriptions	description	NOUN
ejge-10853	214	2	of	of	ADP
ejge-10853	214	3	these	these	DET
ejge-10853	214	4	variables	variable	NOUN
ejge-10853	214	5	are	be	AUX
ejge-10853	214	6	presented	present	VERB
ejge-10853	214	7	in	in	ADP
ejge-10853	214	8	the	the	DET
ejge-10853	214	9	following	follow	VERB
ejge-10853	214	10	table	table	NOUN
ejge-10853	214	11	4	4	NUM
ejge-10853	214	12	.	.	PUNCT
ejge-10853	215	1	for	for	ADP
ejge-10853	215	2	each	each	PRON
ejge-10853	215	3	of	of	ADP
ejge-10853	215	4	the	the	DET
ejge-10853	215	5	variables	variable	NOUN
ejge-10853	215	6	,	,	PUNCT
ejge-10853	215	7	the	the	DET
ejge-10853	215	8	mean	mean	ADJ
ejge-10853	215	9	,	,	PUNCT
ejge-10853	215	10	standard	standard	ADJ
ejge-10853	215	11	deviation	deviation	NOUN
ejge-10853	215	12	,	,	PUNCT
ejge-10853	215	13	minimum	minimum	ADJ
ejge-10853	215	14	and	and	CCONJ
ejge-10853	215	15	maximum	maximum	ADJ
ejge-10853	215	16	value	value	NOUN
ejge-10853	215	17	are	be	AUX
ejge-10853	215	18	presented	present	VERB
ejge-10853	215	19	.	.	PUNCT
ejge-10853	216	1	on	on	ADP
ejge-10853	216	2	average	average	ADJ
ejge-10853	216	3	,	,	PUNCT
ejge-10853	216	4	the	the	DET
ejge-10853	216	5	17	17	NUM
ejge-10853	216	6	selected	select	VERB
ejge-10853	216	7	banks	bank	NOUN
ejge-10853	216	8	have	have	VERB
ejge-10853	216	9	a	a	DET
ejge-10853	216	10	return	return	NOUN
ejge-10853	216	11	on	on	ADP
ejge-10853	216	12	equity	equity	NOUN
ejge-10853	216	13	(	(	PUNCT
ejge-10853	216	14	roe	roe	PROPN
ejge-10853	216	15	)	)	PUNCT
ejge-10853	216	16	of	of	ADP
ejge-10853	216	17	5.20	5.20	NUM
ejge-10853	216	18	%	%	NOUN
ejge-10853	216	19	with	with	ADP
ejge-10853	216	20	a	a	DET
ejge-10853	216	21	standard	standard	ADJ
ejge-10853	216	22	deviation	deviation	NOUN
ejge-10853	216	23	of	of	ADP
ejge-10853	216	24	12.74	12.74	NUM
ejge-10853	216	25	%	%	NOUN
ejge-10853	216	26	.	.	PUNCT
ejge-10853	217	1	regarding	regard	VERB
ejge-10853	217	2	return	return	NOUN
ejge-10853	217	3	on	on	ADP
ejge-10853	217	4	assets	asset	NOUN
ejge-10853	217	5	(	(	PUNCT
ejge-10853	217	6	roa	roa	PROPN
ejge-10853	217	7	)	)	PUNCT
ejge-10853	217	8	,	,	PUNCT
ejge-10853	217	9	the	the	DET
ejge-10853	217	10	banks	bank	NOUN
ejge-10853	217	11	present	present	VERB
ejge-10853	217	12	an	an	DET
ejge-10853	217	13	average	average	ADJ
ejge-10853	217	14	indicator	indicator	NOUN
ejge-10853	217	15	of	of	ADP
ejge-10853	217	16	0.36	0.36	NUM
ejge-10853	217	17	%	%	NOUN
ejge-10853	217	18	with	with	ADP
ejge-10853	217	19	a	a	DET
ejge-10853	217	20	standard	standard	ADJ
ejge-10853	217	21	deviation	deviation	NOUN
ejge-10853	217	22	of	of	ADP
ejge-10853	217	23	2.38	2.38	NUM
ejge-10853	217	24	%	%	NOUN
ejge-10853	217	25	.	.	PUNCT
ejge-10853	218	1	standard	standard	ADJ
ejge-10853	218	2	deviation	deviation	NOUN
ejge-10853	218	3	shows	show	VERB
ejge-10853	218	4	large	large	ADJ
ejge-10853	218	5	profitability	profitability	NOUN
ejge-10853	218	6	heterogeneity	heterogeneity	NOUN
ejge-10853	218	7	among	among	ADP
ejge-10853	218	8	the	the	DET
ejge-10853	218	9	banks	bank	NOUN
ejge-10853	218	10	in	in	ADP
ejge-10853	218	11	our	our	PRON
ejge-10853	218	12	sample	sample	NOUN
ejge-10853	218	13	in	in	ADP
ejge-10853	218	14	both	both	DET
ejge-10853	218	15	roe	roe	NOUN
ejge-10853	218	16	and	and	CCONJ
ejge-10853	218	17	roa	roa	PROPN
ejge-10853	218	18	.	.	PUNCT
ejge-10853	219	1	the	the	DET
ejge-10853	219	2	euribor	euribor	PROPN
ejge-10853	219	3	variable	variable	NOUN
ejge-10853	219	4	(	(	PUNCT
ejge-10853	219	5	eur	eur	PROPN
ejge-10853	219	6	)	)	PUNCT
ejge-10853	219	7	presented	present	VERB
ejge-10853	219	8	negative	negative	ADJ
ejge-10853	219	9	values	value	NOUN
ejge-10853	219	10	for	for	ADP
ejge-10853	219	11	several	several	ADJ
ejge-10853	219	12	years	year	NOUN
ejge-10853	219	13	(	(	PUNCT
ejge-10853	219	14	the	the	DET
ejge-10853	219	15	minimum	minimum	ADJ
ejge-10853	219	16	rate	rate	NOUN
ejge-10853	219	17	was	be	AUX
ejge-10853	219	18	-0.51	-0.51	NOUN
ejge-10853	219	19	%	%	NOUN
ejge-10853	219	20	)	)	PUNCT
ejge-10853	219	21	.	.	PUNCT
ejge-10853	220	1	this	this	DET
ejge-10853	220	2	rate	rate	NOUN
ejge-10853	220	3	began	begin	VERB
ejge-10853	220	4	to	to	PART
ejge-10853	220	5	increase	increase	VERB
ejge-10853	220	6	in	in	ADP
ejge-10853	220	7	2021	2021	NUM
ejge-10853	220	8	to	to	ADP
ejge-10853	220	9	its	its	PRON
ejge-10853	220	10	maximum	maximum	ADJ
ejge-10853	220	11	value	value	NOUN
ejge-10853	220	12	in	in	ADP
ejge-10853	220	13	2023	2023	NUM
ejge-10853	220	14	,	,	PUNCT
ejge-10853	220	15	with	with	ADP
ejge-10853	220	16	a	a	DET
ejge-10853	220	17	rate	rate	NOUN
ejge-10853	220	18	of	of	ADP
ejge-10853	220	19	4.07	4.07	NUM
ejge-10853	220	20	%	%	NOUN
ejge-10853	220	21	.	.	PUNCT
ejge-10853	221	1	the	the	DET
ejge-10853	221	2	average	average	ADJ
ejge-10853	221	3	euribor	euribor	NOUN
ejge-10853	221	4	was	be	AUX
ejge-10853	221	5	0.55	0.55	NUM
ejge-10853	221	6	%	%	NOUN
ejge-10853	221	7	and	and	CCONJ
ejge-10853	221	8	the	the	DET
ejge-10853	221	9	standard	standard	ADJ
ejge-10853	221	10	deviation	deviation	NOUN
ejge-10853	221	11	1.38	1.38	NUM
ejge-10853	221	12	%	%	NOUN
ejge-10853	221	13	.	.	PUNCT
ejge-10853	222	1	128	128	NUM
ejge-10853	222	2	pires	pire	NOUN
ejge-10853	222	3	et	et	PROPN
ejge-10853	222	4	al	al	PROPN
ejge-10853	222	5	.	.	PROPN
ejge-10853	222	6	table	table	PROPN
ejge-10853	222	7	4	4	NUM
ejge-10853	222	8	.	.	PUNCT
ejge-10853	223	1	summary	summary	NOUN
ejge-10853	223	2	statistics	statistic	NOUN
ejge-10853	223	3	variable	variable	NOUN
ejge-10853	223	4	n	n	PRON
ejge-10853	223	5	mean	mean	VERB
ejge-10853	223	6	std	std	PROPN
ejge-10853	223	7	.	.	PROPN
ejge-10853	224	1	dev	dev	PROPN
ejge-10853	224	2	.	.	PUNCT
ejge-10853	225	1	min	min	PROPN
ejge-10853	225	2	max	max	PROPN
ejge-10853	225	3	roa	roa	PROPN
ejge-10853	225	4	187	187	NUM
ejge-10853	225	5	0.36	0.36	NUM
ejge-10853	225	6	2.38	2.38	NUM
ejge-10853	225	7	-19.00	-19.00	SYM
ejge-10853	225	8	5.30	5.30	NUM
ejge-10853	225	9	roe	roe	NOUN
ejge-10853	225	10	187	187	NUM
ejge-10853	225	11	5.20	5.20	NUM
ejge-10853	225	12	12.74	12.74	NUM
ejge-10853	225	13	-37.00	-37.00	PROPN
ejge-10853	225	14	48.00	48.00	NUM
ejge-10853	225	15	icv	icv	PROPN
ejge-10853	225	16	187	187	NUM
ejge-10853	225	17	86.41	86.41	NUM
ejge-10853	225	18	62.78	62.78	NUM
ejge-10853	225	19	27.60	27.60	NUM
ejge-10853	225	20	430.20	430.20	NUM
ejge-10853	225	21	cvct	cvct	NOUN
ejge-10853	225	22	187	187	NUM
ejge-10853	225	23	4.78	4.78	NUM
ejge-10853	225	24	4.38	4.38	NUM
ejge-10853	225	25	3.2	3.2	NUM
ejge-10853	225	26	18.70	18.70	NUM
ejge-10853	225	27	ctin	ctin	NOUN
ejge-10853	225	28	187	187	NUM
ejge-10853	225	29	56.08	56.08	NUM
ejge-10853	225	30	15.64	15.64	NUM
ejge-10853	225	31	27.60	27.60	NUM
ejge-10853	225	32	100.60	100.60	NUM
ejge-10853	225	33	tier	tier	NOUN
ejge-10853	225	34	1	1	NUM
ejge-10853	225	35	187	187	NUM
ejge-10853	225	36	18.33	18.33	NUM
ejge-10853	225	37	9.89	9.89	NUM
ejge-10853	225	38	8.10	8.10	NUM
ejge-10853	225	39	82.30	82.30	NUM
ejge-10853	225	40	logat	logat	NOUN
ejge-10853	225	41	187	187	NUM
ejge-10853	225	42	3.91	3.91	NUM
ejge-10853	225	43	1.00	1.00	NUM
ejge-10853	225	44	1.49	1.49	NUM
ejge-10853	225	45	8.01	8.01	NUM
ejge-10853	225	46	mf	mf	VERB
ejge-10853	225	47	187	187	NUM
ejge-10853	225	48	2.65	2.65	NUM
ejge-10853	225	49	1.61	1.61	NUM
ejge-10853	225	50	-0.74	-0.74	NUM
ejge-10853	225	51	6.12	6.12	NUM
ejge-10853	225	52	pb	pb	ADP
ejge-10853	225	53	187	187	NUM
ejge-10853	225	54	3.54	3.54	NUM
ejge-10853	225	55	1.54	1.54	NUM
ejge-10853	225	56	1.04	1.04	NUM
ejge-10853	225	57	6.99	6.99	NUM
ejge-10853	225	58	eur	eur	NOUN
ejge-10853	225	59	187	187	NUM
ejge-10853	225	60	0.55	0.55	NUM
ejge-10853	225	61	1.38	1.38	NUM
ejge-10853	225	62	-0.51	-0.51	NOUN
ejge-10853	225	63	4.07	4.07	NUM
ejge-10853	225	64	source	source	NOUN
ejge-10853	225	65	:	:	PUNCT
ejge-10853	225	66	own	own	ADJ
ejge-10853	225	67	elaboration	elaboration	NOUN
ejge-10853	225	68	employing	employ	VERB
ejge-10853	225	69	r	r	NOUN
ejge-10853	225	70	studio	studio	NOUN
ejge-10853	225	71	.	.	PUNCT
ejge-10853	226	1	according	accord	VERB
ejge-10853	226	2	to	to	ADP
ejge-10853	226	3	table	table	NOUN
ejge-10853	226	4	5	5	NUM
ejge-10853	226	5	,	,	PUNCT
ejge-10853	226	6	we	we	PRON
ejge-10853	226	7	observe	observe	VERB
ejge-10853	226	8	that	that	SCONJ
ejge-10853	226	9	only	only	ADV
ejge-10853	226	10	two	two	NUM
ejge-10853	226	11	variables	variable	NOUN
ejge-10853	226	12	(	(	PUNCT
ejge-10853	226	13	pb	pb	X
ejge-10853	226	14	and	and	CCONJ
ejge-10853	226	15	mf	mf	NOUN
ejge-10853	226	16	)	)	PUNCT
ejge-10853	226	17	present	present	ADJ
ejge-10853	226	18	values	value	NOUN
ejge-10853	226	19	very	very	ADV
ejge-10853	226	20	close	close	ADV
ejge-10853	226	21	to	to	ADP
ejge-10853	226	22	3	3	NUM
ejge-10853	226	23	.	.	PUNCT
ejge-10853	227	1	however	however	ADV
ejge-10853	227	2	,	,	PUNCT
ejge-10853	227	3	according	accord	VERB
ejge-10853	227	4	to	to	ADP
ejge-10853	227	5	the	the	DET
ejge-10853	227	6	literature	literature	NOUN
ejge-10853	227	7	,	,	PUNCT
ejge-10853	227	8	the	the	DET
ejge-10853	227	9	variance	variance	NOUN
ejge-10853	227	10	inflation	inflation	NOUN
ejge-10853	227	11	factor	factor	NOUN
ejge-10853	227	12	(	(	PUNCT
ejge-10853	227	13	vif	vif	NOUN
ejge-10853	227	14	)	)	PUNCT
ejge-10853	227	15	values	value	NOUN
ejge-10853	227	16	would	would	AUX
ejge-10853	227	17	only	only	ADV
ejge-10853	227	18	be	be	AUX
ejge-10853	227	19	problematic	problematic	ADJ
ejge-10853	227	20	if	if	SCONJ
ejge-10853	227	21	they	they	PRON
ejge-10853	227	22	were	be	AUX
ejge-10853	227	23	greater	great	ADJ
ejge-10853	227	24	than	than	ADP
ejge-10853	227	25	5	5	NUM
ejge-10853	227	26	(	(	PUNCT
ejge-10853	227	27	fox	fox	PROPN
ejge-10853	227	28	&	&	CCONJ
ejge-10853	227	29	monette	monette	PROPN
ejge-10853	227	30	,	,	PUNCT
ejge-10853	227	31	1992	1992	NUM
ejge-10853	227	32	)	)	PUNCT
ejge-10853	227	33	.	.	PUNCT
ejge-10853	228	1	in	in	ADP
ejge-10853	228	2	this	this	DET
ejge-10853	228	3	sense	sense	NOUN
ejge-10853	228	4	,	,	PUNCT
ejge-10853	228	5	we	we	PRON
ejge-10853	228	6	verified	verify	VERB
ejge-10853	228	7	that	that	SCONJ
ejge-10853	228	8	there	there	PRON
ejge-10853	228	9	are	be	VERB
ejge-10853	228	10	no	no	DET
ejge-10853	228	11	collinearity	collinearity	NOUN
ejge-10853	228	12	problems	problem	NOUN
ejge-10853	228	13	between	between	ADP
ejge-10853	228	14	the	the	DET
ejge-10853	228	15	independent	independent	ADJ
ejge-10853	228	16	variables	variable	NOUN
ejge-10853	228	17	.	.	PUNCT
ejge-10853	229	1	table	table	NOUN
ejge-10853	229	2	5	5	NUM
ejge-10853	229	3	.	.	PUNCT
ejge-10853	229	4	variance	variance	NOUN
ejge-10853	229	5	inflation	inflation	NOUN
ejge-10853	229	6	factors	factor	NOUN
ejge-10853	229	7	icv	icv	VERB
ejge-10853	229	8	cvct	cvct	NOUN
ejge-10853	229	9	ctin	ctin	NOUN
ejge-10853	229	10	tier	tier	NOUN
ejge-10853	229	11	logat	logat	VERB
ejge-10853	229	12	mf	mf	VERB
ejge-10853	229	13	pb	pb	ADP
ejge-10853	229	14	eur	eur	NOUN
ejge-10853	229	15	1.299	1.299	NUM
ejge-10853	229	16	1.365	1.365	NUM
ejge-10853	229	17	1.346	1.346	NUM
ejge-10853	229	18	1.654	1.654	NUM
ejge-10853	229	19	1.465	1.465	NUM
ejge-10853	229	20	3.529	3.529	NUM
ejge-10853	229	21	3.171	3.171	NUM
ejge-10853	229	22	1.141	1.141	NUM
ejge-10853	229	23	source	source	NOUN
ejge-10853	229	24	:	:	PUNCT
ejge-10853	229	25	own	own	ADJ
ejge-10853	229	26	elaboration	elaboration	NOUN
ejge-10853	229	27	employing	employ	VERB
ejge-10853	229	28	r	r	NOUN
ejge-10853	229	29	studio	studio	NOUN
ejge-10853	229	30	.	.	PUNCT
ejge-10853	230	1	according	accord	VERB
ejge-10853	230	2	to	to	ADP
ejge-10853	230	3	the	the	DET
ejge-10853	230	4	pearson	pearson	NOUN
ejge-10853	230	5	's	's	PART
ejge-10853	230	6	correlation	correlation	NOUN
ejge-10853	230	7	matrix	matrix	NOUN
ejge-10853	230	8	(	(	PUNCT
ejge-10853	230	9	table	table	NOUN
ejge-10853	230	10	6	6	NUM
ejge-10853	230	11	)	)	PUNCT
ejge-10853	230	12	for	for	ADP
ejge-10853	230	13	the	the	DET
ejge-10853	230	14	independent	independent	ADJ
ejge-10853	230	15	variables	variable	NOUN
ejge-10853	230	16	,	,	PUNCT
ejge-10853	230	17	the	the	DET
ejge-10853	230	18	banking	banking	NOUN
ejge-10853	230	19	product	product	NOUN
ejge-10853	230	20	(	(	PUNCT
ejge-10853	230	21	pb	pb	NOUN
ejge-10853	230	22	)	)	PUNCT
ejge-10853	230	23	and	and	CCONJ
ejge-10853	230	24	financial	financial	ADJ
ejge-10853	230	25	margin	margin	NOUN
ejge-10853	230	26	(	(	PUNCT
ejge-10853	230	27	mf	mf	NOUN
ejge-10853	230	28	)	)	PUNCT
ejge-10853	230	29	variables	variable	NOUN
ejge-10853	230	30	had	have	VERB
ejge-10853	230	31	a	a	DET
ejge-10853	230	32	high	high	ADJ
ejge-10853	230	33	correlation	correlation	NOUN
ejge-10853	230	34	(	(	PUNCT
ejge-10853	230	35	0.7972	0.7972	NUM
ejge-10853	230	36	)	)	PUNCT
ejge-10853	230	37	.	.	PUNCT
ejge-10853	231	1	the	the	DET
ejge-10853	231	2	two	two	NUM
ejge-10853	231	3	variables	variable	NOUN
ejge-10853	231	4	that	that	PRON
ejge-10853	231	5	show	show	VERB
ejge-10853	231	6	the	the	DET
ejge-10853	231	7	highest	high	ADJ
ejge-10853	231	8	correlation	correlation	NOUN
ejge-10853	231	9	also	also	ADV
ejge-10853	231	10	show	show	VERB
ejge-10853	231	11	the	the	DET
ejge-10853	231	12	highest	high	ADJ
ejge-10853	231	13	collinearity	collinearity	NOUN
ejge-10853	231	14	.	.	PUNCT
ejge-10853	232	1	it	it	PRON
ejge-10853	232	2	was	be	AUX
ejge-10853	232	3	decided	decide	VERB
ejge-10853	232	4	to	to	PART
ejge-10853	232	5	remove	remove	VERB
ejge-10853	232	6	the	the	DET
ejge-10853	232	7	pb	pb	X
ejge-10853	232	8	variable	variable	NOUN
ejge-10853	232	9	from	from	ADP
ejge-10853	232	10	the	the	DET
ejge-10853	232	11	explanatory	explanatory	ADJ
ejge-10853	232	12	model	model	NOUN
ejge-10853	232	13	of	of	ADP
ejge-10853	232	14	banks	bank	NOUN
ejge-10853	232	15	’	'	PUNCT
ejge-10853	232	16	profitability	profitability	NOUN
ejge-10853	232	17	because	because	SCONJ
ejge-10853	232	18	our	our	PRON
ejge-10853	232	19	model	model	NOUN
ejge-10853	232	20	improved	improve	VERB
ejge-10853	232	21	without	without	ADP
ejge-10853	232	22	the	the	DET
ejge-10853	232	23	pb	pb	ADP
ejge-10853	232	24	variable	variable	NOUN
ejge-10853	232	25	.	.	PUNCT
ejge-10853	233	1	on	on	ADP
ejge-10853	233	2	the	the	DET
ejge-10853	233	3	other	other	ADJ
ejge-10853	233	4	hand	hand	NOUN
ejge-10853	233	5	,	,	PUNCT
ejge-10853	233	6	the	the	DET
ejge-10853	233	7	mf	mf	NOUN
ejge-10853	233	8	variable	variable	NOUN
ejge-10853	233	9	is	be	AUX
ejge-10853	233	10	statistically	statistically	ADV
ejge-10853	233	11	more	more	ADV
ejge-10853	233	12	significant	significant	ADJ
ejge-10853	233	13	than	than	ADP
ejge-10853	233	14	the	the	PRON
ejge-10853	233	15	pb	pb	ADP
ejge-10853	233	16	variable	variable	NOUN
ejge-10853	233	17	:	:	PUNCT
ejge-10853	233	18	this	this	PRON
ejge-10853	233	19	is	be	AUX
ejge-10853	233	20	the	the	DET
ejge-10853	233	21	reason	reason	NOUN
ejge-10853	233	22	for	for	ADP
ejge-10853	233	23	eliminating	eliminate	VERB
ejge-10853	233	24	the	the	DET
ejge-10853	233	25	pb	pb	ADP
ejge-10853	233	26	variable	variable	NOUN
ejge-10853	233	27	.	.	PUNCT
ejge-10853	234	1	banks	bank	NOUN
ejge-10853	234	2	’	'	PUNCT
ejge-10853	234	3	profitability	profitability	NOUN
ejge-10853	234	4	in	in	ADP
ejge-10853	234	5	portugal	portugal	PROPN
ejge-10853	234	6	from	from	ADP
ejge-10853	234	7	2013	2013	NUM
ejge-10853	234	8	to	to	ADP
ejge-10853	234	9	2023	2023	NUM
ejge-10853	234	10	table	table	NOUN
ejge-10853	234	11	6	6	NUM
ejge-10853	234	12	.	.	PUNCT
ejge-10853	235	1	pearson	pearson	PROPN
ejge-10853	235	2	's	's	PART
ejge-10853	235	3	correlation	correlation	NOUN
ejge-10853	235	4	matrix	matrix	NOUN
ejge-10853	235	5	for	for	ADP
ejge-10853	235	6	the	the	DET
ejge-10853	235	7	independent	independent	ADJ
ejge-10853	235	8	variables	variable	NOUN
ejge-10853	235	9	icv	icv	VERB
ejge-10853	235	10	cvct	cvct	NOUN
ejge-10853	235	11	ctin	ctin	NOUN
ejge-10853	235	12	tier	tier	NOUN
ejge-10853	235	13	logat	logat	NOUN
ejge-10853	235	14	mf	mf	PUNCT
ejge-10853	235	15	pb	pb	ADP
ejge-10853	235	16	eur	eur	X
ejge-10853	235	17	icv	icv	PROPN
ejge-10853	235	18	1	1	NUM
ejge-10853	235	19	cvct	cvct	NOUN
ejge-10853	235	20	-0.1806	-0.1806	NOUN
ejge-10853	235	21	1	1	NUM
ejge-10853	235	22	ctin	ctin	NOUN
ejge-10853	235	23	0.1252	0.1252	NUM
ejge-10853	235	24	0.1497	0.1497	NUM
ejge-10853	235	25	1	1	NUM
ejge-10853	235	26	tier	tier	NOUN
ejge-10853	235	27	0.0822	0.0822	NUM
ejge-10853	235	28	-0.2769	-0.2769	NOUN
ejge-10853	235	29	-0.1669	-0.1669	NOUN
ejge-10853	235	30	1	1	NUM
ejge-10853	235	31	logat	logat	NOUN
ejge-10853	235	32	0.0993	0.0993	NUM
ejge-10853	235	33	-0.0221	-0.0221	NOUN
ejge-10853	235	34	0.0530	0.0530	NUM
ejge-10853	235	35	-0.3554	-0.3554	NOUN
ejge-10853	235	36	1	1	NUM
ejge-10853	235	37	mf	mf	VERB
ejge-10853	235	38	0.3898	0.3898	NUM
ejge-10853	235	39	0.2256	0.2256	NUM
ejge-10853	235	40	0.1936	0.1936	NUM
ejge-10853	235	41	-0.5085	-0.5085	NOUN
ejge-10853	235	42	0.4628	0.4628	NUM
ejge-10853	235	43	1	1	NUM
ejge-10853	235	44	pb	pb	ADP
ejge-10853	235	45	0.3455	0.3455	NUM
ejge-10853	235	46	0.3208	0.3208	NUM
ejge-10853	235	47	0.1943	0.1943	NUM
ejge-10853	235	48	-0.4105	-0.4105	NOUN
ejge-10853	235	49	0.4572	0.4572	NUM
ejge-10853	235	50	0.7972	0.7972	NUM
ejge-10853	235	51	1	1	NUM
ejge-10853	235	52	eur	eur	PROPN
ejge-10853	235	53	0.1964	0.1964	NUM
ejge-10853	235	54	-0.0868	-0.0868	X
ejge-10853	235	55	-0.0650	-0.0650	NOUN
ejge-10853	235	56	0.0669	0.0669	NUM
ejge-10853	235	57	0.1904	0.1904	NUM
ejge-10853	235	58	0.2215	0.2215	NUM
ejge-10853	235	59	0.2191	0.2191	NUM
ejge-10853	235	60	1	1	NUM
ejge-10853	235	61	source	source	NOUN
ejge-10853	235	62	:	:	PUNCT
ejge-10853	235	63	own	own	ADJ
ejge-10853	235	64	elaboration	elaboration	NOUN
ejge-10853	235	65	employing	employ	VERB
ejge-10853	235	66	r	r	NOUN
ejge-10853	235	67	studio	studio	NOUN
ejge-10853	235	68	results	result	NOUN
ejge-10853	235	69	.	.	PUNCT
ejge-10853	236	1	4.2	4.2	NUM
ejge-10853	236	2	estimation	estimation	NOUN
ejge-10853	236	3	results	result	VERB
ejge-10853	236	4	the	the	DET
ejge-10853	236	5	results	result	NOUN
ejge-10853	236	6	are	be	AUX
ejge-10853	236	7	presented	present	VERB
ejge-10853	236	8	in	in	ADP
ejge-10853	236	9	table	table	NOUN
ejge-10853	236	10	7	7	NUM
ejge-10853	236	11	and	and	CCONJ
ejge-10853	236	12	table	table	NOUN
ejge-10853	236	13	8	8	NUM
ejge-10853	236	14	.	.	PUNCT
ejge-10853	236	15	table	table	NOUN
ejge-10853	236	16	7	7	NUM
ejge-10853	236	17	shows	show	VERB
ejge-10853	236	18	that	that	SCONJ
ejge-10853	236	19	the	the	DET
ejge-10853	236	20	pooled	pooled	ADJ
ejge-10853	236	21	model	model	NOUN
ejge-10853	236	22	is	be	AUX
ejge-10853	236	23	considered	consider	VERB
ejge-10853	236	24	appropriate	appropriate	ADJ
ejge-10853	236	25	given	give	VERB
ejge-10853	236	26	the	the	DET
ejge-10853	236	27	results	result	NOUN
ejge-10853	236	28	of	of	ADP
ejge-10853	236	29	the	the	DET
ejge-10853	236	30	f	f	PROPN
ejge-10853	236	31	statistic	statistic	NOUN
ejge-10853	236	32	,	,	PUNCT
ejge-10853	236	33	which	which	PRON
ejge-10853	236	34	is	be	AUX
ejge-10853	236	35	significant	significant	ADJ
ejge-10853	236	36	at	at	ADP
ejge-10853	236	37	the	the	DET
ejge-10853	236	38	1	1	NUM
ejge-10853	236	39	%	%	NOUN
ejge-10853	236	40	level	level	NOUN
ejge-10853	236	41	(	(	PUNCT
ejge-10853	236	42	p	p	NOUN
ejge-10853	236	43	-	-	PUNCT
ejge-10853	236	44	value	value	NOUN
ejge-10853	236	45	:	:	PUNCT
ejge-10853	236	46	7.4307e14	7.4307e14	NUM
ejge-10853	236	47	)	)	PUNCT
ejge-10853	236	48	.	.	PUNCT
ejge-10853	237	1	the	the	DET
ejge-10853	237	2	r	r	NOUN
ejge-10853	237	3	-	-	PUNCT
ejge-10853	237	4	squared	square	VERB
ejge-10853	237	5	is	be	AUX
ejge-10853	237	6	64	64	NUM
ejge-10853	237	7	%	%	NOUN
ejge-10853	237	8	,	,	PUNCT
ejge-10853	237	9	meaning	mean	VERB
ejge-10853	237	10	that	that	SCONJ
ejge-10853	237	11	64	64	NUM
ejge-10853	237	12	%	%	NOUN
ejge-10853	237	13	of	of	ADP
ejge-10853	237	14	the	the	DET
ejge-10853	237	15	variance	variance	NOUN
ejge-10853	237	16	of	of	ADP
ejge-10853	237	17	roe	roe	PROPN
ejge-10853	237	18	is	be	AUX
ejge-10853	237	19	explained	explain	VERB
ejge-10853	237	20	by	by	ADP
ejge-10853	237	21	the	the	DET
ejge-10853	237	22	set	set	NOUN
ejge-10853	237	23	of	of	ADP
ejge-10853	237	24	exploratory	exploratory	ADJ
ejge-10853	237	25	variables	variable	NOUN
ejge-10853	237	26	applied	apply	VERB
ejge-10853	237	27	.	.	PUNCT
ejge-10853	238	1	the	the	DET
ejge-10853	238	2	test	test	NOUN
ejge-10853	238	3	statistic	statistic	PROPN
ejge-10853	238	4	bp=4.8074	bp=4.8074	PROPN
ejge-10853	238	5	follows	follow	VERB
ejge-10853	238	6	a	a	DET
ejge-10853	238	7	chi	chi	ADJ
ejge-10853	238	8	-	-	PUNCT
ejge-10853	238	9	square	square	ADJ
ejge-10853	238	10	distribution	distribution	NOUN
ejge-10853	238	11	with	with	ADP
ejge-10853	238	12	7	7	NUM
ejge-10853	238	13	degrees	degree	NOUN
ejge-10853	238	14	of	of	ADP
ejge-10853	238	15	freedom	freedom	NOUN
ejge-10853	238	16	(	(	PUNCT
ejge-10853	238	17	number	number	NOUN
ejge-10853	238	18	of	of	ADP
ejge-10853	238	19	independent	independent	ADJ
ejge-10853	238	20	variables	variable	NOUN
ejge-10853	238	21	)	)	PUNCT
ejge-10853	238	22	with	with	ADP
ejge-10853	238	23	a	a	DET
ejge-10853	238	24	p	p	NOUN
ejge-10853	238	25	-	-	PUNCT
ejge-10853	238	26	value	value	NOUN
ejge-10853	238	27	of	of	ADP
ejge-10853	238	28	0.6835	0.6835	NUM
ejge-10853	238	29	.	.	PUNCT
ejge-10853	239	1	thus	thus	ADV
ejge-10853	239	2	,	,	PUNCT
ejge-10853	239	3	we	we	PRON
ejge-10853	239	4	do	do	AUX
ejge-10853	239	5	not	not	PART
ejge-10853	239	6	reject	reject	VERB
ejge-10853	239	7	the	the	DET
ejge-10853	239	8	null	null	ADJ
ejge-10853	239	9	hypothesis	hypothesis	NOUN
ejge-10853	239	10	,	,	PUNCT
ejge-10853	239	11	in	in	ADP
ejge-10853	239	12	this	this	DET
ejge-10853	239	13	way	way	NOUN
ejge-10853	239	14	being	be	AUX
ejge-10853	239	15	able	able	ADJ
ejge-10853	239	16	to	to	PART
ejge-10853	239	17	consider	consider	VERB
ejge-10853	239	18	the	the	DET
ejge-10853	239	19	validity	validity	NOUN
ejge-10853	239	20	of	of	ADP
ejge-10853	239	21	the	the	DET
ejge-10853	239	22	premise	premise	NOUN
ejge-10853	239	23	of	of	ADP
ejge-10853	239	24	homoscedasticity	homoscedasticity	NOUN
ejge-10853	239	25	and	and	CCONJ
ejge-10853	239	26	,	,	PUNCT
ejge-10853	239	27	as	as	ADP
ejge-10853	239	28	such	such	ADJ
ejge-10853	239	29	,	,	PUNCT
ejge-10853	239	30	do	do	AUX
ejge-10853	239	31	not	not	PART
ejge-10853	239	32	compromise	compromise	VERB
ejge-10853	239	33	the	the	DET
ejge-10853	239	34	validity	validity	NOUN
ejge-10853	239	35	of	of	ADP
ejge-10853	239	36	the	the	DET
ejge-10853	239	37	results	result	NOUN
ejge-10853	239	38	obtained	obtain	VERB
ejge-10853	239	39	by	by	ADP
ejge-10853	239	40	the	the	DET
ejge-10853	239	41	ols	ols	PROPN
ejge-10853	239	42	pool	pool	NOUN
ejge-10853	239	43	model	model	NOUN
ejge-10853	239	44	.	.	PUNCT
ejge-10853	240	1	cvct	cvct	NOUN
ejge-10853	240	2	(	(	PUNCT
ejge-10853	240	3	credit	credit	NOUN
ejge-10853	240	4	quality	quality	NOUN
ejge-10853	240	5	)	)	PUNCT
ejge-10853	240	6	,	,	PUNCT
ejge-10853	240	7	ctin	ctin	NOUN
ejge-10853	240	8	(	(	PUNCT
ejge-10853	240	9	management	management	NOUN
ejge-10853	240	10	capacity	capacity	NOUN
ejge-10853	240	11	)	)	PUNCT
ejge-10853	240	12	,	,	PUNCT
ejge-10853	240	13	tier	tier	NOUN
ejge-10853	240	14	(	(	PUNCT
ejge-10853	240	15	capital	capital	NOUN
ejge-10853	240	16	adequacy	adequacy	NOUN
ejge-10853	240	17	)	)	PUNCT
ejge-10853	240	18	and	and	CCONJ
ejge-10853	240	19	eur	eur	PROPN
ejge-10853	240	20	(	(	PUNCT
ejge-10853	240	21	euribor	euribor	PROPN
ejge-10853	240	22	)	)	PUNCT
ejge-10853	240	23	show	show	VERB
ejge-10853	240	24	great	great	ADJ
ejge-10853	240	25	statistical	statistical	ADJ
ejge-10853	240	26	significance	significance	NOUN
ejge-10853	240	27	(	(	PUNCT
ejge-10853	240	28	at	at	ADP
ejge-10853	240	29	1	1	NUM
ejge-10853	240	30	%	%	NOUN
ejge-10853	240	31	level	level	NOUN
ejge-10853	240	32	)	)	PUNCT
ejge-10853	240	33	.	.	PUNCT
ejge-10853	241	1	the	the	DET
ejge-10853	241	2	cvct	cvct	NOUN
ejge-10853	241	3	variable	variable	NOUN
ejge-10853	241	4	presents	present	VERB
ejge-10853	241	5	the	the	DET
ejge-10853	241	6	expected	expect	VERB
ejge-10853	241	7	sign	sign	NOUN
ejge-10853	241	8	and	and	CCONJ
ejge-10853	241	9	shows	show	VERB
ejge-10853	241	10	that	that	SCONJ
ejge-10853	241	11	banks	bank	NOUN
ejge-10853	241	12	with	with	ADP
ejge-10853	241	13	a	a	DET
ejge-10853	241	14	higher	high	ADJ
ejge-10853	241	15	level	level	NOUN
ejge-10853	241	16	of	of	ADP
ejge-10853	241	17	non	non	ADJ
ejge-10853	241	18	-	-	ADJ
ejge-10853	241	19	performing	perform	VERB
ejge-10853	241	20	loans	loan	NOUN
ejge-10853	241	21	will	will	AUX
ejge-10853	241	22	have	have	VERB
ejge-10853	241	23	lower	low	ADJ
ejge-10853	241	24	profitability	profitability	NOUN
ejge-10853	241	25	(	(	PUNCT
ejge-10853	241	26	roe	roe	NOUN
ejge-10853	241	27	)	)	PUNCT
ejge-10853	241	28	.	.	PUNCT
ejge-10853	242	1	higher	high	ADJ
ejge-10853	242	2	default	default	NOUN
ejge-10853	242	3	also	also	ADV
ejge-10853	242	4	involves	involve	VERB
ejge-10853	242	5	the	the	DET
ejge-10853	242	6	establishment	establishment	NOUN
ejge-10853	242	7	of	of	ADP
ejge-10853	242	8	a	a	DET
ejge-10853	242	9	greater	great	ADJ
ejge-10853	242	10	impairment	impairment	ADJ
ejge-10853	242	11	level	level	NOUN
ejge-10853	242	12	,	,	PUNCT
ejge-10853	242	13	which	which	PRON
ejge-10853	242	14	implies	imply	VERB
ejge-10853	242	15	a	a	DET
ejge-10853	242	16	lower	low	ADJ
ejge-10853	242	17	net	net	ADJ
ejge-10853	242	18	result	result	NOUN
ejge-10853	242	19	.	.	PUNCT
ejge-10853	243	1	the	the	DET
ejge-10853	243	2	ctin	ctin	NOUN
ejge-10853	243	3	variable	variable	NOUN
ejge-10853	243	4	exhibits	exhibit	VERB
ejge-10853	243	5	the	the	DET
ejge-10853	243	6	expected	expect	VERB
ejge-10853	243	7	sign	sign	NOUN
ejge-10853	243	8	and	and	CCONJ
ejge-10853	243	9	confirms	confirm	VERB
ejge-10853	243	10	that	that	SCONJ
ejge-10853	243	11	an	an	DET
ejge-10853	243	12	increase	increase	NOUN
ejge-10853	243	13	in	in	ADP
ejge-10853	243	14	operating	operating	NOUN
ejge-10853	243	15	expenses	expense	NOUN
ejge-10853	243	16	has	have	VERB
ejge-10853	243	17	a	a	DET
ejge-10853	243	18	negative	negative	ADJ
ejge-10853	243	19	impact	impact	NOUN
ejge-10853	243	20	on	on	ADP
ejge-10853	243	21	banks	bank	NOUN
ejge-10853	243	22	'	'	PART
ejge-10853	243	23	profitability	profitability	NOUN
ejge-10853	243	24	.	.	PUNCT
ejge-10853	244	1	the	the	DET
ejge-10853	244	2	tier	tier	NOUN
ejge-10853	244	3	variable	variable	ADJ
ejge-10853	244	4	result	result	NOUN
ejge-10853	244	5	confirms	confirm	VERB
ejge-10853	244	6	the	the	DET
ejge-10853	244	7	idea	idea	NOUN
ejge-10853	244	8	that	that	SCONJ
ejge-10853	244	9	the	the	PRON
ejge-10853	244	10	higher	high	ADJ
ejge-10853	244	11	the	the	DET
ejge-10853	244	12	solvability	solvability	NOUN
ejge-10853	244	13	ratio	ratio	NOUN
ejge-10853	244	14	,	,	PUNCT
ejge-10853	244	15	the	the	PRON
ejge-10853	244	16	higher	high	ADJ
ejge-10853	244	17	the	the	DET
ejge-10853	244	18	banks	bank	NOUN
ejge-10853	244	19	’	’	PART
ejge-10853	244	20	profitability	profitability	NOUN
ejge-10853	244	21	.	.	PUNCT
ejge-10853	245	1	usually	usually	ADV
ejge-10853	245	2	,	,	PUNCT
ejge-10853	245	3	it	it	PRON
ejge-10853	245	4	shows	show	VERB
ejge-10853	245	5	that	that	SCONJ
ejge-10853	245	6	the	the	DET
ejge-10853	245	7	bank	bank	NOUN
ejge-10853	245	8	with	with	ADP
ejge-10853	245	9	its	its	PRON
ejge-10853	245	10	robust	robust	ADJ
ejge-10853	245	11	own	own	ADJ
ejge-10853	245	12	funds	fund	NOUN
ejge-10853	245	13	has	have	VERB
ejge-10853	245	14	higher	high	ADJ
ejge-10853	245	15	roe	roe	NOUN
ejge-10853	245	16	.	.	PUNCT
ejge-10853	246	1	finally	finally	ADV
ejge-10853	246	2	,	,	PUNCT
ejge-10853	246	3	when	when	SCONJ
ejge-10853	246	4	euribor	euribor	PROPN
ejge-10853	246	5	increases	increase	VERB
ejge-10853	246	6	by	by	ADP
ejge-10853	246	7	1	1	NUM
ejge-10853	246	8	%	%	NOUN
ejge-10853	246	9	,	,	PUNCT
ejge-10853	246	10	the	the	DET
ejge-10853	246	11	bank	bank	NOUN
ejge-10853	246	12	's	's	PART
ejge-10853	246	13	profitability	profitability	NOUN
ejge-10853	246	14	(	(	PUNCT
ejge-10853	246	15	roe	roe	NOUN
ejge-10853	246	16	)	)	PUNCT
ejge-10853	246	17	improves	improve	VERB
ejge-10853	246	18	by	by	ADP
ejge-10853	246	19	2.303	2.303	NUM
ejge-10853	246	20	%	%	NOUN
ejge-10853	246	21	,	,	PUNCT
ejge-10853	246	22	following	follow	VERB
ejge-10853	246	23	the	the	DET
ejge-10853	246	24	increase	increase	NOUN
ejge-10853	246	25	in	in	ADP
ejge-10853	246	26	the	the	DET
ejge-10853	246	27	bank	bank	NOUN
ejge-10853	246	28	's	's	PART
ejge-10853	246	29	financial	financial	ADJ
ejge-10853	246	30	margin	margin	NOUN
ejge-10853	246	31	.	.	PUNCT
ejge-10853	247	1	the	the	DET
ejge-10853	247	2	euribor	euribor	PROPN
ejge-10853	247	3	variable	variable	NOUN
ejge-10853	247	4	presents	present	VERB
ejge-10853	247	5	the	the	DET
ejge-10853	247	6	expected	expect	VERB
ejge-10853	247	7	sign	sign	NOUN
ejge-10853	247	8	and	and	CCONJ
ejge-10853	247	9	confirms	confirm	VERB
ejge-10853	247	10	that	that	SCONJ
ejge-10853	247	11	the	the	DET
ejge-10853	247	12	increase	increase	NOUN
ejge-10853	247	13	since	since	SCONJ
ejge-10853	247	14	2021	2021	NUM
ejge-10853	247	15	has	have	AUX
ejge-10853	247	16	had	have	VERB
ejge-10853	247	17	a	a	DET
ejge-10853	247	18	very	very	ADV
ejge-10853	247	19	positive	positive	ADJ
ejge-10853	247	20	impact	impact	NOUN
ejge-10853	247	21	on	on	ADP
ejge-10853	247	22	the	the	DET
ejge-10853	247	23	banks	bank	NOUN
ejge-10853	247	24	’	’	PART
ejge-10853	247	25	equity	equity	NOUN
ejge-10853	247	26	capital	capital	NOUN
ejge-10853	247	27	profitability	profitability	NOUN
ejge-10853	247	28	.	.	PUNCT
ejge-10853	248	1	130	130	NUM
ejge-10853	248	2	pires	pire	NOUN
ejge-10853	248	3	et	et	PROPN
ejge-10853	248	4	al	al	PROPN
ejge-10853	248	5	.	.	PROPN
ejge-10853	248	6	table	table	PROPN
ejge-10853	248	7	7	7	NUM
ejge-10853	248	8	.	.	PUNCT
ejge-10853	249	1	regression	regression	NOUN
ejge-10853	249	2	results	result	VERB
ejge-10853	249	3	y	y	PROPN
ejge-10853	249	4	=	=	SYM
ejge-10853	249	5	roe	roe	PROPN
ejge-10853	249	6	coef	coef	PROPN
ejge-10853	249	7	.	.	PUNCT
ejge-10853	250	1	(	(	PUNCT
ejge-10853	250	2	β	β	X
ejge-10853	250	3	)	)	PUNCT
ejge-10853	250	4	cluster	cluster	NOUN
ejge-10853	250	5	robust	robust	ADJ
ejge-10853	250	6	standard	standard	ADJ
ejge-10853	250	7	error	error	NOUN
ejge-10853	250	8	t	t	NOUN
ejge-10853	250	9	p	p	NOUN
ejge-10853	250	10	-	-	PUNCT
ejge-10853	250	11	value	value	NOUN
ejge-10853	250	12	icv	icv	NOUN
ejge-10853	250	13	-0.024	-0.024	PUNCT
ejge-10853	250	14	0.015	0.015	NUM
ejge-10853	250	15	1.587	1.587	NUM
ejge-10853	250	16	0.1143	0.1143	NOUN
ejge-10853	250	17	cvct	cvct	NOUN
ejge-10853	250	18	-0.852	-0.852	NOUN
ejge-10853	250	19	*	*	PUNCT
ejge-10853	250	20	*	*	PUNCT
ejge-10853	250	21	*	*	PUNCT
ejge-10853	250	22	0.020	0.020	NUM
ejge-10853	250	23	-4.344	-4.344	NUM
ejge-10853	250	24	0.0000	0.0000	NUM
ejge-10853	250	25	ctin	ctin	NOUN
ejge-10853	250	26	-0.228	-0.228	ADJ
ejge-10853	250	27	*	*	PUNCT
ejge-10853	250	28	*	*	PUNCT
ejge-10853	250	29	*	*	PUNCT
ejge-10853	250	30	0.051	0.051	NUM
ejge-10853	250	31	-4.552	-4.552	SYM
ejge-10853	250	32	0.0000	0.0000	NUM
ejge-10853	250	33	tier	tier	NOUN
ejge-10853	250	34	0.358	0.358	NUM
ejge-10853	250	35	*	*	PUNCT
ejge-10853	250	36	*	*	PUNCT
ejge-10853	251	1	*	*	PUNCT
ejge-10853	251	2	0.010	0.010	NUM
ejge-10853	251	3	-3.563	-3.563	NUM
ejge-10853	251	4	0.0005	0.0005	NUM
ejge-10853	251	5	logat	logat	NOUN
ejge-10853	251	6	2.445	2.445	NUM
ejge-10853	251	7	*	*	NOUN
ejge-10853	251	8	*	*	NOUN
ejge-10853	251	9	0.945	0.945	NUM
ejge-10853	251	10	2.7034	2.7034	NUM
ejge-10853	251	11	0.0375	0.0375	NUM
ejge-10853	251	12	mf	mf	VERB
ejge-10853	251	13	1.816	1.816	NUM
ejge-10853	251	14	*	*	SYM
ejge-10853	251	15	0.018	0.018	NUM
ejge-10853	251	16	-2.499	-2.499	NUM
ejge-10853	251	17	0.1003	0.1003	NUM
ejge-10853	251	18	eur	eur	NOUN
ejge-10853	251	19	2.303	2.303	NUM
ejge-10853	251	20	*	*	PUNCT
ejge-10853	251	21	*	*	PUNCT
ejge-10853	251	22	*	*	PUNCT
ejge-10853	251	23	0.727	0.727	NUM
ejge-10853	251	24	3.843	3.843	NUM
ejge-10853	251	25	0.0001	0.0001	NUM
ejge-10853	251	26	constant	constant	ADJ
ejge-10853	251	27	20.56	20.56	NUM
ejge-10853	251	28	*	*	NOUN
ejge-10853	251	29	*	*	PUNCT
ejge-10853	251	30	*	*	PUNCT
ejge-10853	251	31	5.379	5.379	NUM
ejge-10853	251	32	3.382	3.382	NUM
ejge-10853	251	33	0.0001	0.0001	NUM
ejge-10853	251	34	r	r	NOUN
ejge-10853	251	35	-	-	PUNCT
ejge-10853	251	36	squared	squared	ADJ
ejge-10853	251	37	:	:	PUNCT
ejge-10853	251	38	0.64084	0.64084	NUM
ejge-10853	251	39	p	p	NOUN
ejge-10853	251	40	-	-	PUNCT
ejge-10853	251	41	value	value	NOUN
ejge-10853	251	42	:	:	PUNCT
ejge-10853	251	43	f	f	PROPN
ejge-10853	251	44	stat	stat	NOUN
ejge-10853	251	45	:	:	PUNCT
ejge-10853	251	46	7.4307e-14	7.4307e-14	NUM
ejge-10853	251	47	note	note	NOUN
ejge-10853	251	48	:	:	PUNCT
ejge-10853	251	49	*	*	PUNCT
ejge-10853	251	50	,	,	PUNCT
ejge-10853	251	51	*	*	PUNCT
ejge-10853	251	52	*	*	PUNCT
ejge-10853	251	53	,	,	PUNCT
ejge-10853	251	54	*	*	PUNCT
ejge-10853	251	55	*	*	PUNCT
ejge-10853	251	56	*	*	PUNCT
ejge-10853	251	57	represent	represent	ADJ
ejge-10853	251	58	significance	significance	NOUN
ejge-10853	251	59	at	at	ADP
ejge-10853	251	60	the	the	DET
ejge-10853	251	61	10	10	NUM
ejge-10853	251	62	%	%	NOUN
ejge-10853	251	63	,	,	PUNCT
ejge-10853	251	64	5	5	NUM
ejge-10853	251	65	%	%	NOUN
ejge-10853	251	66	and	and	CCONJ
ejge-10853	251	67	1	1	NUM
ejge-10853	251	68	%	%	NOUN
ejge-10853	251	69	level	level	NOUN
ejge-10853	251	70	.	.	PUNCT
ejge-10853	252	1	source	source	NOUN
ejge-10853	252	2	:	:	PUNCT
ejge-10853	252	3	own	own	ADJ
ejge-10853	252	4	elaboration	elaboration	NOUN
ejge-10853	252	5	employing	employ	VERB
ejge-10853	252	6	r	r	NOUN
ejge-10853	252	7	studio	studio	NOUN
ejge-10853	252	8	.	.	PUNCT
ejge-10853	253	1	on	on	ADP
ejge-10853	253	2	the	the	DET
ejge-10853	253	3	other	other	ADJ
ejge-10853	253	4	hand	hand	NOUN
ejge-10853	253	5	,	,	PUNCT
ejge-10853	253	6	the	the	DET
ejge-10853	253	7	logat	logat	NOUN
ejge-10853	253	8	(	(	PUNCT
ejge-10853	253	9	bank	bank	NOUN
ejge-10853	253	10	size	size	NOUN
ejge-10853	253	11	)	)	PUNCT
ejge-10853	253	12	variable	variable	NOUN
ejge-10853	253	13	is	be	AUX
ejge-10853	253	14	statistically	statistically	ADV
ejge-10853	253	15	significant	significant	ADJ
ejge-10853	253	16	at	at	ADP
ejge-10853	253	17	the	the	DET
ejge-10853	253	18	5	5	NUM
ejge-10853	253	19	%	%	NOUN
ejge-10853	253	20	level	level	NOUN
ejge-10853	253	21	and	and	CCONJ
ejge-10853	253	22	the	the	DET
ejge-10853	253	23	mf	mf	NOUN
ejge-10853	253	24	(	(	PUNCT
ejge-10853	253	25	financial	financial	ADJ
ejge-10853	253	26	margin	margin	NOUN
ejge-10853	253	27	)	)	PUNCT
ejge-10853	253	28	variable	variable	NOUN
ejge-10853	253	29	is	be	AUX
ejge-10853	253	30	statistically	statistically	ADV
ejge-10853	253	31	significant	significant	ADJ
ejge-10853	253	32	at	at	ADP
ejge-10853	253	33	10	10	NUM
ejge-10853	253	34	%	%	NOUN
ejge-10853	253	35	.	.	PUNCT
ejge-10853	254	1	the	the	DET
ejge-10853	254	2	logat	logat	ADJ
ejge-10853	254	3	variable	variable	NOUN
ejge-10853	254	4	shows	show	VERB
ejge-10853	254	5	a	a	DET
ejge-10853	254	6	positive	positive	ADJ
ejge-10853	254	7	correlation	correlation	NOUN
ejge-10853	254	8	between	between	ADP
ejge-10853	254	9	the	the	DET
ejge-10853	254	10	size	size	NOUN
ejge-10853	254	11	of	of	ADP
ejge-10853	254	12	the	the	DET
ejge-10853	254	13	bank	bank	NOUN
ejge-10853	254	14	and	and	CCONJ
ejge-10853	254	15	its	its	PRON
ejge-10853	254	16	profitability	profitability	NOUN
ejge-10853	254	17	.	.	PUNCT
ejge-10853	255	1	this	this	DET
ejge-10853	255	2	result	result	NOUN
ejge-10853	255	3	was	be	AUX
ejge-10853	255	4	expected	expect	VERB
ejge-10853	255	5	in	in	ADP
ejge-10853	255	6	our	our	PRON
ejge-10853	255	7	study	study	NOUN
ejge-10853	255	8	.	.	PUNCT
ejge-10853	256	1	the	the	DET
ejge-10853	256	2	mf	mf	NOUN
ejge-10853	256	3	variable	variable	NOUN
ejge-10853	256	4	has	have	VERB
ejge-10853	256	5	the	the	DET
ejge-10853	256	6	lowest	low	ADJ
ejge-10853	256	7	level	level	NOUN
ejge-10853	256	8	of	of	ADP
ejge-10853	256	9	statistical	statistical	ADJ
ejge-10853	256	10	significance	significance	NOUN
ejge-10853	256	11	.	.	PUNCT
ejge-10853	257	1	however	however	ADV
ejge-10853	257	2	,	,	PUNCT
ejge-10853	257	3	it	it	PRON
ejge-10853	257	4	is	be	AUX
ejge-10853	257	5	interesting	interesting	ADJ
ejge-10853	257	6	to	to	PART
ejge-10853	257	7	verify	verify	VERB
ejge-10853	257	8	that	that	SCONJ
ejge-10853	257	9	our	our	PRON
ejge-10853	257	10	expectations	expectation	NOUN
ejge-10853	257	11	regarding	regard	VERB
ejge-10853	257	12	its	its	PRON
ejge-10853	257	13	behaviour	behaviour	NOUN
ejge-10853	257	14	were	be	AUX
ejge-10853	257	15	met	meet	VERB
ejge-10853	257	16	.	.	PUNCT
ejge-10853	258	1	table	table	NOUN
ejge-10853	258	2	8	8	NUM
ejge-10853	258	3	shows	show	VERB
ejge-10853	258	4	that	that	SCONJ
ejge-10853	258	5	the	the	DET
ejge-10853	258	6	pooled	pooled	ADJ
ejge-10853	258	7	model	model	NOUN
ejge-10853	258	8	is	be	AUX
ejge-10853	258	9	considered	consider	VERB
ejge-10853	258	10	appropriate	appropriate	ADJ
ejge-10853	258	11	,	,	PUNCT
ejge-10853	258	12	given	give	VERB
ejge-10853	258	13	the	the	DET
ejge-10853	258	14	results	result	NOUN
ejge-10853	258	15	of	of	ADP
ejge-10853	258	16	the	the	DET
ejge-10853	258	17	f	f	PROPN
ejge-10853	258	18	statistic	statistic	NOUN
ejge-10853	258	19	,	,	PUNCT
ejge-10853	258	20	which	which	PRON
ejge-10853	258	21	is	be	AUX
ejge-10853	258	22	significant	significant	ADJ
ejge-10853	258	23	at	at	ADP
ejge-10853	258	24	the	the	DET
ejge-10853	258	25	1	1	NUM
ejge-10853	258	26	%	%	NOUN
ejge-10853	258	27	level	level	NOUN
ejge-10853	258	28	(	(	PUNCT
ejge-10853	258	29	p	p	NOUN
ejge-10853	258	30	-	-	PUNCT
ejge-10853	258	31	value	value	NOUN
ejge-10853	258	32	:	:	PUNCT
ejge-10853	258	33	5.3199e-10	5.3199e-10	NUM
ejge-10853	258	34	)	)	PUNCT
ejge-10853	258	35	.	.	PUNCT
ejge-10853	259	1	the	the	DET
ejge-10853	259	2	r	r	NOUN
ejge-10853	259	3	-	-	PUNCT
ejge-10853	259	4	squared	square	VERB
ejge-10853	259	5	is	be	AUX
ejge-10853	259	6	54	54	NUM
ejge-10853	259	7	%	%	NOUN
ejge-10853	259	8	,	,	PUNCT
ejge-10853	259	9	meaning	mean	VERB
ejge-10853	259	10	that	that	SCONJ
ejge-10853	259	11	54	54	NUM
ejge-10853	259	12	%	%	NOUN
ejge-10853	259	13	of	of	ADP
ejge-10853	259	14	the	the	DET
ejge-10853	259	15	variance	variance	NOUN
ejge-10853	259	16	of	of	ADP
ejge-10853	259	17	roa	roa	PROPN
ejge-10853	259	18	is	be	AUX
ejge-10853	259	19	explained	explain	VERB
ejge-10853	259	20	by	by	ADP
ejge-10853	259	21	the	the	DET
ejge-10853	259	22	set	set	NOUN
ejge-10853	259	23	of	of	ADP
ejge-10853	259	24	independent	independent	ADJ
ejge-10853	259	25	variables	variable	NOUN
ejge-10853	259	26	applied	apply	VERB
ejge-10853	259	27	.	.	PUNCT
ejge-10853	260	1	as	as	ADP
ejge-10853	260	2	for	for	ADP
ejge-10853	260	3	the	the	DET
ejge-10853	260	4	test	test	NOUN
ejge-10853	260	5	statistic	statistic	NOUN
ejge-10853	260	6	,	,	PUNCT
ejge-10853	260	7	bp=9.5798	bp=9.5798	NOUN
ejge-10853	260	8	follows	follow	VERB
ejge-10853	260	9	a	a	DET
ejge-10853	260	10	chi	chi	ADJ
ejge-10853	260	11	-	-	PUNCT
ejge-10853	260	12	square	square	ADJ
ejge-10853	260	13	distribution	distribution	NOUN
ejge-10853	260	14	with	with	ADP
ejge-10853	260	15	7	7	NUM
ejge-10853	260	16	degrees	degree	NOUN
ejge-10853	260	17	of	of	ADP
ejge-10853	260	18	freedom	freedom	NOUN
ejge-10853	260	19	(	(	PUNCT
ejge-10853	260	20	number	number	NOUN
ejge-10853	260	21	of	of	ADP
ejge-10853	260	22	independent	independent	ADJ
ejge-10853	260	23	variables	variable	NOUN
ejge-10853	260	24	)	)	PUNCT
ejge-10853	260	25	with	with	ADP
ejge-10853	260	26	a	a	DET
ejge-10853	260	27	p	p	NOUN
ejge-10853	260	28	-	-	PUNCT
ejge-10853	260	29	value	value	NOUN
ejge-10853	260	30	of	of	ADP
ejge-10853	260	31	0.2958	0.2958	NUM
ejge-10853	260	32	.	.	PUNCT
ejge-10853	261	1	thus	thus	ADV
ejge-10853	261	2	,	,	PUNCT
ejge-10853	261	3	we	we	PRON
ejge-10853	261	4	do	do	AUX
ejge-10853	261	5	not	not	PART
ejge-10853	261	6	reject	reject	VERB
ejge-10853	261	7	the	the	DET
ejge-10853	261	8	null	null	ADJ
ejge-10853	261	9	hypothesis	hypothesis	NOUN
ejge-10853	261	10	,	,	PUNCT
ejge-10853	261	11	consequently	consequently	ADV
ejge-10853	261	12	being	be	AUX
ejge-10853	261	13	able	able	ADJ
ejge-10853	261	14	to	to	PART
ejge-10853	261	15	consider	consider	VERB
ejge-10853	261	16	the	the	DET
ejge-10853	261	17	validity	validity	NOUN
ejge-10853	261	18	of	of	ADP
ejge-10853	261	19	the	the	DET
ejge-10853	261	20	premise	premise	NOUN
ejge-10853	261	21	of	of	ADP
ejge-10853	261	22	homoscedasticity	homoscedasticity	NOUN
ejge-10853	261	23	and	and	CCONJ
ejge-10853	261	24	as	as	ADP
ejge-10853	261	25	such	such	ADJ
ejge-10853	261	26	do	do	AUX
ejge-10853	261	27	not	not	PART
ejge-10853	261	28	compromise	compromise	VERB
ejge-10853	261	29	the	the	DET
ejge-10853	261	30	validity	validity	NOUN
ejge-10853	261	31	of	of	ADP
ejge-10853	261	32	the	the	DET
ejge-10853	261	33	results	result	NOUN
ejge-10853	261	34	obtained	obtain	VERB
ejge-10853	261	35	by	by	ADP
ejge-10853	261	36	the	the	DET
ejge-10853	261	37	ols	ols	PROPN
ejge-10853	261	38	pool	pool	NOUN
ejge-10853	261	39	model	model	NOUN
ejge-10853	261	40	.	.	PUNCT
ejge-10853	262	1	banks	bank	NOUN
ejge-10853	262	2	’	'	PUNCT
ejge-10853	262	3	profitability	profitability	NOUN
ejge-10853	262	4	in	in	ADP
ejge-10853	262	5	portugal	portugal	PROPN
ejge-10853	262	6	from	from	ADP
ejge-10853	262	7	2013	2013	NUM
ejge-10853	262	8	to	to	ADP
ejge-10853	262	9	2023	2023	NUM
ejge-10853	262	10	table	table	NOUN
ejge-10853	262	11	8	8	NUM
ejge-10853	262	12	.	.	PUNCT
ejge-10853	263	1	regression	regression	NOUN
ejge-10853	263	2	results	result	VERB
ejge-10853	263	3	y	y	PROPN
ejge-10853	263	4	=	=	SYM
ejge-10853	263	5	roa	roa	PROPN
ejge-10853	263	6	coef	coef	PROPN
ejge-10853	263	7	.	.	PUNCT
ejge-10853	264	1	(	(	PUNCT
ejge-10853	264	2	β	β	X
ejge-10853	264	3	)	)	PUNCT
ejge-10853	264	4	cluster	cluster	NOUN
ejge-10853	264	5	robust	robust	ADJ
ejge-10853	264	6	standard	standard	ADJ
ejge-10853	264	7	error	error	NOUN
ejge-10853	264	8	t	t	NOUN
ejge-10853	264	9	p	p	NOUN
ejge-10853	264	10	-	-	PUNCT
ejge-10853	264	11	value	value	NOUN
ejge-10853	264	12	icv	icv	X
ejge-10853	264	13	0.007	0.007	NUM
ejge-10853	264	14	*	*	PUNCT
ejge-10853	264	15	*	*	PROPN
ejge-10853	264	16	0.003	0.003	NUM
ejge-10853	264	17	2.419	2.419	NUM
ejge-10853	264	18	0.0343	0.0343	NUM
ejge-10853	264	19	cvct	cvct	NOUN
ejge-10853	264	20	-0.829	-0.829	NOUN
ejge-10853	264	21	*	*	PUNCT
ejge-10853	264	22	*	*	NOUN
ejge-10853	264	23	0.039	0.039	NUM
ejge-10853	264	24	-2.147	-2.147	NUM
ejge-10853	264	25	0.0298	0.0298	NUM
ejge-10853	264	26	ctin	ctin	NOUN
ejge-10853	264	27	-0.012	-0.012	NOUN
ejge-10853	264	28	*	*	X
ejge-10853	264	29	*	*	PROPN
ejge-10853	264	30	0.010	0.010	NUM
ejge-10853	264	31	-1.212	-1.212	NUM
ejge-10853	264	32	0.0476	0.0476	NUM
ejge-10853	264	33	tier	tier	NOUN
ejge-10853	264	34	-0.119	-0.119	PUNCT
ejge-10853	264	35	*	*	PUNCT
ejge-10853	264	36	*	*	PUNCT
ejge-10853	265	1	*	*	PROPN
ejge-10853	265	2	0.020	0.020	NUM
ejge-10853	265	3	-6.054	-6.054	NOUN
ejge-10853	266	1	0.0000	0.0000	NUM
ejge-10853	266	2	logat	logat	NOUN
ejge-10853	266	3	0.373	0.373	NUM
ejge-10853	266	4	*	*	NOUN
ejge-10853	266	5	*	*	NUM
ejge-10853	266	6	0.178	0.178	NUM
ejge-10853	266	7	2.093	2.093	NUM
ejge-10853	266	8	0.0475	0.0475	NUM
ejge-10853	266	9	mf	mf	VERB
ejge-10853	266	10	0.302	0.302	NUM
ejge-10853	266	11	0.143	0.143	NUM
ejge-10853	266	12	-2.118	-2.118	NUM
ejge-10853	266	13	0.0892	0.0892	NUM
ejge-10853	266	14	eur	eur	ADJ
ejge-10853	266	15	1.304	1.304	NUM
ejge-10853	266	16	*	*	NOUN
ejge-10853	266	17	*	*	NOUN
ejge-10853	266	18	0.118	0.118	NUM
ejge-10853	266	19	2.570	2.570	NUM
ejge-10853	266	20	0.0335	0.0335	NUM
ejge-10853	266	21	constant	constant	ADJ
ejge-10853	266	22	2.197	2.197	NUM
ejge-10853	266	23	*	*	NOUN
ejge-10853	266	24	1.058	1.058	NUM
ejge-10853	266	25	2.075	2.075	NUM
ejge-10853	266	26	0.0106	0.0106	NUM
ejge-10853	266	27	r	r	X
ejge-10853	266	28	-	-	PUNCT
ejge-10853	266	29	squared	squared	ADJ
ejge-10853	266	30	:	:	PUNCT
ejge-10853	266	31	0.54064	0.54064	NUM
ejge-10853	266	32	p	p	NOUN
ejge-10853	266	33	-	-	PUNCT
ejge-10853	266	34	value	value	NOUN
ejge-10853	266	35	:	:	PUNCT
ejge-10853	266	36	f	f	PROPN
ejge-10853	266	37	stat	stat	NOUN
ejge-10853	266	38	:	:	PUNCT
ejge-10853	266	39	5.3199e-10	5.3199e-10	NUM
ejge-10853	266	40	note	note	NOUN
ejge-10853	266	41	:	:	PUNCT
ejge-10853	266	42	*	*	PUNCT
ejge-10853	266	43	,	,	PUNCT
ejge-10853	266	44	*	*	PUNCT
ejge-10853	266	45	*	*	PUNCT
ejge-10853	266	46	,	,	PUNCT
ejge-10853	266	47	*	*	PUNCT
ejge-10853	266	48	*	*	PUNCT
ejge-10853	266	49	*	*	PUNCT
ejge-10853	266	50	represent	represent	ADJ
ejge-10853	266	51	significance	significance	NOUN
ejge-10853	266	52	at	at	ADP
ejge-10853	266	53	the	the	DET
ejge-10853	266	54	10	10	NUM
ejge-10853	266	55	%	%	NOUN
ejge-10853	266	56	,	,	PUNCT
ejge-10853	266	57	5	5	NUM
ejge-10853	266	58	%	%	NOUN
ejge-10853	266	59	and	and	CCONJ
ejge-10853	266	60	1	1	NUM
ejge-10853	266	61	%	%	NOUN
ejge-10853	266	62	level	level	NOUN
ejge-10853	266	63	.	.	PUNCT
ejge-10853	267	1	source	source	NOUN
ejge-10853	267	2	:	:	PUNCT
ejge-10853	267	3	own	own	ADJ
ejge-10853	267	4	elaboration	elaboration	NOUN
ejge-10853	267	5	employing	employ	VERB
ejge-10853	267	6	r	r	NOUN
ejge-10853	267	7	studio	studio	NOUN
ejge-10853	267	8	.	.	PUNCT
ejge-10853	268	1	of	of	ADP
ejge-10853	268	2	particular	particular	ADJ
ejge-10853	268	3	significance	significance	NOUN
ejge-10853	268	4	,	,	PUNCT
ejge-10853	268	5	at	at	ADP
ejge-10853	268	6	the	the	DET
ejge-10853	268	7	1	1	NUM
ejge-10853	268	8	%	%	NOUN
ejge-10853	268	9	level	level	NOUN
ejge-10853	268	10	,	,	PUNCT
ejge-10853	268	11	is	be	AUX
ejge-10853	268	12	the	the	DET
ejge-10853	268	13	capital	capital	NOUN
ejge-10853	268	14	adequacy	adequacy	NOUN
ejge-10853	268	15	variable	variable	NOUN
ejge-10853	268	16	(	(	PUNCT
ejge-10853	268	17	tier	tier	NOUN
ejge-10853	268	18	)	)	PUNCT
ejge-10853	268	19	.	.	PUNCT
ejge-10853	269	1	this	this	DET
ejge-10853	269	2	variable	variable	ADJ
ejge-10853	269	3	result	result	NOUN
ejge-10853	269	4	corroborates	corroborate	VERB
ejge-10853	269	5	the	the	DET
ejge-10853	269	6	idea	idea	NOUN
ejge-10853	269	7	that	that	SCONJ
ejge-10853	269	8	the	the	PRON
ejge-10853	269	9	higher	high	ADJ
ejge-10853	269	10	the	the	DET
ejge-10853	269	11	ratio	ratio	NOUN
ejge-10853	269	12	,	,	PUNCT
ejge-10853	269	13	the	the	PRON
ejge-10853	269	14	lower	low	ADJ
ejge-10853	269	15	the	the	DET
ejge-10853	269	16	need	need	NOUN
ejge-10853	269	17	for	for	ADP
ejge-10853	269	18	external	external	ADJ
ejge-10853	269	19	funding	funding	NOUN
ejge-10853	269	20	,	,	PUNCT
ejge-10853	269	21	inducing	induce	VERB
ejge-10853	269	22	lower	low	ADJ
ejge-10853	269	23	asset	asset	NOUN
ejge-10853	269	24	profitability	profitability	NOUN
ejge-10853	269	25	.	.	PUNCT
ejge-10853	270	1	the	the	DET
ejge-10853	270	2	implication	implication	NOUN
ejge-10853	270	3	is	be	AUX
ejge-10853	270	4	that	that	SCONJ
ejge-10853	270	5	as	as	ADP
ejge-10853	270	6	capital	capital	NOUN
ejge-10853	270	7	adequacy	adequacy	NOUN
ejge-10853	270	8	increases	increase	NOUN
ejge-10853	270	9	,	,	PUNCT
ejge-10853	270	10	roa	roa	NOUN
ejge-10853	270	11	decreases	decrease	VERB
ejge-10853	270	12	.	.	PUNCT
ejge-10853	271	1	higher	high	ADJ
ejge-10853	271	2	capitalisation	capitalisation	PROPN
ejge-10853	271	3	has	have	VERB
ejge-10853	271	4	a	a	DET
ejge-10853	271	5	negative	negative	ADJ
ejge-10853	271	6	impact	impact	NOUN
ejge-10853	271	7	on	on	ADP
ejge-10853	271	8	the	the	DET
ejge-10853	271	9	asset	asset	NOUN
ejge-10853	271	10	capital	capital	NOUN
ejge-10853	271	11	profitability	profitability	NOUN
ejge-10853	271	12	of	of	ADP
ejge-10853	271	13	banks	bank	NOUN
ejge-10853	271	14	.	.	PUNCT
ejge-10853	272	1	the	the	DET
ejge-10853	272	2	credit	credit	NOUN
ejge-10853	272	3	risk	risk	NOUN
ejge-10853	272	4	variables	variable	NOUN
ejge-10853	272	5	(	(	PUNCT
ejge-10853	272	6	icv	icv	NOUN
ejge-10853	272	7	and	and	CCONJ
ejge-10853	272	8	cvct	cvct	NOUN
ejge-10853	272	9	)	)	PUNCT
ejge-10853	272	10	are	be	AUX
ejge-10853	272	11	statistically	statistically	ADV
ejge-10853	272	12	significant	significant	ADJ
ejge-10853	272	13	at	at	ADP
ejge-10853	272	14	the	the	DET
ejge-10853	272	15	5	5	NUM
ejge-10853	272	16	%	%	NOUN
ejge-10853	272	17	level	level	NOUN
ejge-10853	272	18	.	.	PUNCT
ejge-10853	273	1	the	the	DET
ejge-10853	273	2	cvct	cvct	NOUN
ejge-10853	273	3	variable	variable	NOUN
ejge-10853	273	4	presents	present	VERB
ejge-10853	273	5	the	the	DET
ejge-10853	273	6	expected	expect	VERB
ejge-10853	273	7	sign	sign	NOUN
ejge-10853	273	8	to	to	PART
ejge-10853	273	9	explain	explain	VERB
ejge-10853	273	10	the	the	DET
ejge-10853	273	11	roa	roa	NOUN
ejge-10853	273	12	.	.	PUNCT
ejge-10853	274	1	like	like	ADP
ejge-10853	274	2	the	the	DET
ejge-10853	274	3	impact	impact	NOUN
ejge-10853	274	4	on	on	ADP
ejge-10853	274	5	roe	roe	PROPN
ejge-10853	274	6	,	,	PUNCT
ejge-10853	274	7	banks	bank	NOUN
ejge-10853	274	8	with	with	ADP
ejge-10853	274	9	a	a	DET
ejge-10853	274	10	higher	high	ADJ
ejge-10853	274	11	level	level	NOUN
ejge-10853	274	12	of	of	ADP
ejge-10853	274	13	non	non	ADJ
ejge-10853	274	14	-	-	ADJ
ejge-10853	274	15	performing	perform	VERB
ejge-10853	274	16	loans	loan	NOUN
ejge-10853	274	17	will	will	AUX
ejge-10853	274	18	have	have	VERB
ejge-10853	274	19	lower	low	ADJ
ejge-10853	274	20	roa	roa	NOUN
ejge-10853	274	21	.	.	PUNCT
ejge-10853	275	1	on	on	ADP
ejge-10853	275	2	the	the	DET
ejge-10853	275	3	other	other	ADJ
ejge-10853	275	4	hand	hand	NOUN
ejge-10853	275	5	,	,	PUNCT
ejge-10853	275	6	the	the	DET
ejge-10853	275	7	icv	icv	PROPN
ejge-10853	275	8	variable	variable	NOUN
ejge-10853	275	9	shows	show	VERB
ejge-10853	275	10	that	that	SCONJ
ejge-10853	275	11	an	an	DET
ejge-10853	275	12	increase	increase	NOUN
ejge-10853	275	13	in	in	ADP
ejge-10853	275	14	impairment	impairment	NOUN
ejge-10853	275	15	on	on	ADP
ejge-10853	275	16	non	non	ADJ
ejge-10853	275	17	-	-	ADJ
ejge-10853	275	18	performing	performing	ADJ
ejge-10853	275	19	loans	loan	NOUN
ejge-10853	275	20	has	have	VERB
ejge-10853	275	21	a	a	DET
ejge-10853	275	22	positive	positive	ADJ
ejge-10853	275	23	impact	impact	NOUN
ejge-10853	275	24	on	on	ADP
ejge-10853	275	25	roa	roa	PROPN
ejge-10853	275	26	.	.	PUNCT
ejge-10853	276	1	the	the	DET
ejge-10853	276	2	ctin	ctin	NOUN
ejge-10853	276	3	variable	variable	NOUN
ejge-10853	276	4	is	be	AUX
ejge-10853	276	5	statistically	statistically	ADV
ejge-10853	276	6	less	less	ADV
ejge-10853	276	7	significant	significant	ADJ
ejge-10853	276	8	in	in	ADP
ejge-10853	276	9	roa	roa	NOUN
ejge-10853	276	10	than	than	ADP
ejge-10853	276	11	in	in	ADP
ejge-10853	276	12	roe	roe	NOUN
ejge-10853	276	13	.	.	PUNCT
ejge-10853	277	1	however	however	ADV
ejge-10853	277	2	,	,	PUNCT
ejge-10853	277	3	it	it	PRON
ejge-10853	277	4	presents	present	VERB
ejge-10853	277	5	the	the	DET
ejge-10853	277	6	same	same	ADJ
ejge-10853	277	7	sign	sign	NOUN
ejge-10853	277	8	:	:	PUNCT
ejge-10853	277	9	the	the	DET
ejge-10853	277	10	increase	increase	NOUN
ejge-10853	277	11	in	in	ADP
ejge-10853	277	12	operating	operating	NOUN
ejge-10853	277	13	expenses	expense	NOUN
ejge-10853	277	14	has	have	VERB
ejge-10853	277	15	a	a	DET
ejge-10853	277	16	negative	negative	ADJ
ejge-10853	277	17	impact	impact	NOUN
ejge-10853	277	18	on	on	ADP
ejge-10853	277	19	banks	bank	NOUN
ejge-10853	277	20	'	'	PART
ejge-10853	277	21	profitability	profitability	NOUN
ejge-10853	277	22	.	.	PUNCT
ejge-10853	278	1	the	the	DET
ejge-10853	278	2	logat	logat	ADJ
ejge-10853	278	3	variable	variable	NOUN
ejge-10853	278	4	presents	present	VERB
ejge-10853	278	5	the	the	DET
ejge-10853	278	6	same	same	ADJ
ejge-10853	278	7	behaviour	behaviour	NOUN
ejge-10853	278	8	in	in	ADP
ejge-10853	278	9	roa	roa	PROPN
ejge-10853	278	10	and	and	CCONJ
ejge-10853	278	11	roe	roe	PROPN
ejge-10853	278	12	,	,	PUNCT
ejge-10853	278	13	as	as	ADV
ejge-10853	278	14	well	well	ADV
ejge-10853	278	15	as	as	ADP
ejge-10853	278	16	the	the	DET
ejge-10853	278	17	same	same	ADJ
ejge-10853	278	18	statistical	statistical	ADJ
ejge-10853	278	19	significance	significance	NOUN
ejge-10853	278	20	(	(	PUNCT
ejge-10853	278	21	at	at	ADP
ejge-10853	278	22	the	the	DET
ejge-10853	278	23	5	5	NUM
ejge-10853	278	24	%	%	NOUN
ejge-10853	278	25	level	level	NOUN
ejge-10853	278	26	)	)	PUNCT
ejge-10853	278	27	.	.	PUNCT
ejge-10853	279	1	it	it	PRON
ejge-10853	279	2	shows	show	VERB
ejge-10853	279	3	a	a	DET
ejge-10853	279	4	positive	positive	ADJ
ejge-10853	279	5	correlation	correlation	NOUN
ejge-10853	279	6	between	between	ADP
ejge-10853	279	7	the	the	DET
ejge-10853	279	8	size	size	NOUN
ejge-10853	279	9	of	of	ADP
ejge-10853	279	10	the	the	DET
ejge-10853	279	11	bank	bank	NOUN
ejge-10853	279	12	and	and	CCONJ
ejge-10853	279	13	its	its	PRON
ejge-10853	279	14	return	return	NOUN
ejge-10853	279	15	on	on	ADP
ejge-10853	279	16	assets	asset	NOUN
ejge-10853	279	17	.	.	PUNCT
ejge-10853	280	1	we	we	PRON
ejge-10853	280	2	show	show	VERB
ejge-10853	280	3	lower	low	ADJ
ejge-10853	280	4	statistical	statistical	ADJ
ejge-10853	280	5	significance	significance	NOUN
ejge-10853	280	6	in	in	ADP
ejge-10853	280	7	roa	roa	NOUN
ejge-10853	280	8	than	than	ADP
ejge-10853	280	9	in	in	ADP
ejge-10853	280	10	roe	roe	PROPN
ejge-10853	280	11	,	,	PUNCT
ejge-10853	280	12	the	the	DET
ejge-10853	280	13	euribor	euribor	PROPN
ejge-10853	280	14	variable	variable	NOUN
ejge-10853	280	15	present	present	VERB
ejge-10853	280	16	the	the	DET
ejge-10853	280	17	expecting	expect	VERB
ejge-10853	280	18	sign	sign	NOUN
ejge-10853	280	19	.	.	PUNCT
ejge-10853	281	1	this	this	PRON
ejge-10853	281	2	confirms	confirm	VERB
ejge-10853	281	3	that	that	SCONJ
ejge-10853	281	4	the	the	DET
ejge-10853	281	5	increase	increase	NOUN
ejge-10853	281	6	after	after	ADP
ejge-10853	281	7	2021	2021	NUM
ejge-10853	281	8	had	have	VERB
ejge-10853	281	9	a	a	DET
ejge-10853	281	10	very	very	ADV
ejge-10853	281	11	positive	positive	ADJ
ejge-10853	281	12	impact	impact	NOUN
ejge-10853	281	13	on	on	ADP
ejge-10853	281	14	the	the	DET
ejge-10853	281	15	asset	asset	NOUN
ejge-10853	281	16	capital	capital	NOUN
ejge-10853	281	17	profitability	profitability	NOUN
ejge-10853	281	18	of	of	ADP
ejge-10853	281	19	banks	bank	NOUN
ejge-10853	281	20	.	.	PUNCT
ejge-10853	282	1	132	132	NUM
ejge-10853	282	2	pires	pire	NOUN
ejge-10853	282	3	et	et	PROPN
ejge-10853	282	4	al	al	PROPN
ejge-10853	282	5	.	.	PROPN
ejge-10853	283	1	4.3	4.3	NUM
ejge-10853	283	2	comparative	comparative	ADJ
ejge-10853	283	3	analysis	analysis	NOUN
ejge-10853	283	4	by	by	ADP
ejge-10853	283	5	carrying	carry	VERB
ejge-10853	283	6	out	out	ADP
ejge-10853	283	7	a	a	DET
ejge-10853	283	8	comparative	comparative	ADJ
ejge-10853	283	9	analysis	analysis	NOUN
ejge-10853	283	10	between	between	ADP
ejge-10853	283	11	our	our	PRON
ejge-10853	283	12	results	result	NOUN
ejge-10853	283	13	and	and	CCONJ
ejge-10853	283	14	the	the	DET
ejge-10853	283	15	literature	literature	PROPN
ejge-10853	283	16	review	review	PROPN
ejge-10853	283	17	,	,	PUNCT
ejge-10853	283	18	we	we	PRON
ejge-10853	283	19	have	have	AUX
ejge-10853	283	20	been	be	AUX
ejge-10853	283	21	able	able	ADJ
ejge-10853	283	22	to	to	PART
ejge-10853	283	23	verify	verify	VERB
ejge-10853	283	24	the	the	DET
ejge-10853	283	25	existence	existence	NOUN
ejge-10853	283	26	of	of	ADP
ejge-10853	283	27	some	some	DET
ejge-10853	283	28	very	very	ADV
ejge-10853	283	29	similar	similar	ADJ
ejge-10853	283	30	conclusions	conclusion	NOUN
ejge-10853	283	31	.	.	PUNCT
ejge-10853	284	1	puci	puci	PROPN
ejge-10853	284	2	et	et	PROPN
ejge-10853	284	3	al	al	PROPN
ejge-10853	284	4	.	.	PROPN
ejge-10853	285	1	(	(	PUNCT
ejge-10853	285	2	2023	2023	NUM
ejge-10853	285	3	)	)	PUNCT
ejge-10853	285	4	show	show	VERB
ejge-10853	285	5	the	the	DET
ejge-10853	285	6	negative	negative	ADJ
ejge-10853	285	7	impact	impact	NOUN
ejge-10853	285	8	that	that	PRON
ejge-10853	285	9	the	the	DET
ejge-10853	285	10	decrease	decrease	NOUN
ejge-10853	285	11	in	in	ADP
ejge-10853	285	12	interest	interest	NOUN
ejge-10853	285	13	rates	rate	NOUN
ejge-10853	285	14	had	have	VERB
ejge-10853	285	15	on	on	ADP
ejge-10853	285	16	albanian	albanian	ADJ
ejge-10853	285	17	banks	bank	NOUN
ejge-10853	285	18	'	'	PART
ejge-10853	285	19	profitability	profitability	NOUN
ejge-10853	285	20	until	until	ADP
ejge-10853	285	21	2020	2020	NUM
ejge-10853	285	22	.	.	PUNCT
ejge-10853	286	1	our	our	PRON
ejge-10853	286	2	work	work	NOUN
ejge-10853	286	3	demonstrates	demonstrate	VERB
ejge-10853	286	4	that	that	PRON
ejge-10853	286	5	euribor	euribor	PROPN
ejge-10853	286	6	increased	increase	VERB
ejge-10853	286	7	profitability	profitability	NOUN
ejge-10853	286	8	after	after	ADP
ejge-10853	286	9	2021	2021	NUM
ejge-10853	286	10	.	.	PUNCT
ejge-10853	287	1	this	this	DET
ejge-10853	287	2	variable	variable	NOUN
ejge-10853	287	3	has	have	VERB
ejge-10853	287	4	a	a	DET
ejge-10853	287	5	positive	positive	ADJ
ejge-10853	287	6	impact	impact	NOUN
ejge-10853	287	7	on	on	ADP
ejge-10853	287	8	the	the	DET
ejge-10853	287	9	profitability	profitability	NOUN
ejge-10853	287	10	of	of	ADP
ejge-10853	287	11	portugal	portugal	PROPN
ejge-10853	287	12	banks	bank	NOUN
ejge-10853	287	13	.	.	PUNCT
ejge-10853	288	1	in	in	ADP
ejge-10853	288	2	line	line	NOUN
ejge-10853	288	3	with	with	ADP
ejge-10853	288	4	yuan	yuan	PROPN
ejge-10853	288	5	et	et	PROPN
ejge-10853	288	6	al	al	PROPN
ejge-10853	288	7	.	.	PROPN
ejge-10853	289	1	(	(	PUNCT
ejge-10853	289	2	2022	2022	NUM
ejge-10853	289	3	)	)	PUNCT
ejge-10853	289	4	,	,	PUNCT
ejge-10853	289	5	bank	bank	NOUN
ejge-10853	289	6	size	size	NOUN
ejge-10853	289	7	has	have	VERB
ejge-10853	289	8	a	a	DET
ejge-10853	289	9	positive	positive	ADJ
ejge-10853	289	10	and	and	CCONJ
ejge-10853	289	11	significant	significant	ADJ
ejge-10853	289	12	impact	impact	NOUN
ejge-10853	289	13	on	on	ADP
ejge-10853	289	14	roa	roa	PROPN
ejge-10853	289	15	and	and	CCONJ
ejge-10853	289	16	roe	roe	PROPN
ejge-10853	289	17	.	.	PUNCT
ejge-10853	290	1	in	in	ADP
ejge-10853	290	2	the	the	DET
ejge-10853	290	3	same	same	ADJ
ejge-10853	290	4	way	way	NOUN
ejge-10853	290	5	,	,	PUNCT
ejge-10853	290	6	non	non	ADJ
ejge-10853	290	7	-	-	ADJ
ejge-10853	290	8	performing	performing	ADJ
ejge-10853	290	9	loans	loan	NOUN
ejge-10853	290	10	have	have	VERB
ejge-10853	290	11	a	a	DET
ejge-10853	290	12	negative	negative	ADJ
ejge-10853	290	13	and	and	CCONJ
ejge-10853	290	14	significant	significant	ADJ
ejge-10853	290	15	impact	impact	NOUN
ejge-10853	290	16	on	on	ADP
ejge-10853	290	17	roe	roe	NOUN
ejge-10853	290	18	.	.	PUNCT
ejge-10853	291	1	according	accord	VERB
ejge-10853	291	2	to	to	ADP
ejge-10853	291	3	haddad	haddad	PROPN
ejge-10853	291	4	et	et	PROPN
ejge-10853	291	5	al	al	PROPN
ejge-10853	291	6	.	.	PROPN
ejge-10853	292	1	(	(	PUNCT
ejge-10853	292	2	2019	2019	NUM
ejge-10853	292	3	)	)	PUNCT
ejge-10853	292	4	,	,	PUNCT
ejge-10853	292	5	capital	capital	NOUN
ejge-10853	292	6	adequacy	adequacy	NOUN
ejge-10853	292	7	(	(	PUNCT
ejge-10853	292	8	solvability	solvability	NOUN
ejge-10853	292	9	)	)	PUNCT
ejge-10853	292	10	,	,	PUNCT
ejge-10853	292	11	asset	asset	NOUN
ejge-10853	292	12	quality	quality	NOUN
ejge-10853	292	13	and	and	CCONJ
ejge-10853	292	14	bank	bank	NOUN
ejge-10853	292	15	size	size	NOUN
ejge-10853	292	16	have	have	VERB
ejge-10853	292	17	a	a	DET
ejge-10853	292	18	positive	positive	ADJ
ejge-10853	292	19	and	and	CCONJ
ejge-10853	292	20	significant	significant	ADJ
ejge-10853	292	21	impact	impact	NOUN
ejge-10853	292	22	on	on	ADP
ejge-10853	292	23	banks	bank	NOUN
ejge-10853	292	24	’	'	PUNCT
ejge-10853	292	25	profitability	profitability	NOUN
ejge-10853	292	26	.	.	PUNCT
ejge-10853	293	1	we	we	PRON
ejge-10853	293	2	arrived	arrive	VERB
ejge-10853	293	3	at	at	ADP
ejge-10853	293	4	the	the	DET
ejge-10853	293	5	same	same	ADJ
ejge-10853	293	6	conclusions	conclusion	NOUN
ejge-10853	293	7	.	.	PUNCT
ejge-10853	294	1	as	as	ADP
ejge-10853	294	2	in	in	ADP
ejge-10853	294	3	kasanaa	kasanaa	PROPN
ejge-10853	294	4	et	et	PROPN
ejge-10853	294	5	al	al	PROPN
ejge-10853	294	6	.	.	PROPN
ejge-10853	295	1	(	(	PUNCT
ejge-10853	295	2	2023	2023	NUM
ejge-10853	295	3	)	)	PUNCT
ejge-10853	295	4	work	work	NOUN
ejge-10853	295	5	,	,	PUNCT
ejge-10853	295	6	non	non	ADJ
ejge-10853	295	7	-	-	ADJ
ejge-10853	295	8	performing	performing	ADJ
ejge-10853	295	9	loans	loan	NOUN
ejge-10853	295	10	had	have	VERB
ejge-10853	295	11	a	a	DET
ejge-10853	295	12	negative	negative	ADJ
ejge-10853	295	13	influence	influence	NOUN
ejge-10853	295	14	on	on	ADP
ejge-10853	295	15	roa	roa	PROPN
ejge-10853	295	16	.	.	PUNCT
ejge-10853	296	1	on	on	ADP
ejge-10853	296	2	the	the	DET
ejge-10853	296	3	other	other	ADJ
ejge-10853	296	4	hand	hand	NOUN
ejge-10853	296	5	,	,	PUNCT
ejge-10853	296	6	capital	capital	NOUN
ejge-10853	296	7	adequacy	adequacy	NOUN
ejge-10853	296	8	had	have	VERB
ejge-10853	296	9	a	a	DET
ejge-10853	296	10	positive	positive	ADJ
ejge-10853	296	11	impact	impact	NOUN
ejge-10853	296	12	.	.	PUNCT
ejge-10853	297	1	lamothe	lamothe	INTJ
ejge-10853	297	2	et	et	PROPN
ejge-10853	297	3	al	al	PROPN
ejge-10853	297	4	.	.	PROPN
ejge-10853	298	1	(	(	PUNCT
ejge-10853	298	2	2024	2024	NUM
ejge-10853	298	3	)	)	PUNCT
ejge-10853	298	4	and	and	CCONJ
ejge-10853	298	5	qehaja	qehaja	NOUN
ejge-10853	298	6	-	-	PUNCT
ejge-10853	298	7	keka	keka	NOUN
ejge-10853	298	8	et	et	PROPN
ejge-10853	298	9	al	al	PROPN
ejge-10853	298	10	.	.	PROPN
ejge-10853	299	1	(	(	PUNCT
ejge-10853	299	2	2023	2023	NUM
ejge-10853	299	3	)	)	PUNCT
ejge-10853	299	4	reached	reach	VERB
ejge-10853	299	5	the	the	DET
ejge-10853	299	6	conclusion	conclusion	NOUN
ejge-10853	299	7	that	that	SCONJ
ejge-10853	299	8	non	non	ADJ
ejge-10853	299	9	-	-	ADJ
ejge-10853	299	10	performing	performing	ADJ
ejge-10853	299	11	loans	loan	NOUN
ejge-10853	299	12	had	have	AUX
ejge-10853	299	13	a	a	DET
ejge-10853	299	14	negative	negative	ADJ
ejge-10853	299	15	impact	impact	NOUN
ejge-10853	299	16	on	on	ADP
ejge-10853	299	17	roa	roa	PROPN
ejge-10853	299	18	and	and	CCONJ
ejge-10853	299	19	roe	roe	PROPN
ejge-10853	299	20	.	.	PUNCT
ejge-10853	300	1	our	our	PRON
ejge-10853	300	2	research	research	NOUN
ejge-10853	300	3	is	be	AUX
ejge-10853	300	4	not	not	PART
ejge-10853	300	5	in	in	ADP
ejge-10853	300	6	line	line	NOUN
ejge-10853	300	7	with	with	ADP
ejge-10853	300	8	that	that	PRON
ejge-10853	300	9	of	of	ADP
ejge-10853	300	10	mashamba	mashamba	NOUN
ejge-10853	300	11	and	and	CCONJ
ejge-10853	300	12	chikutuma	chikutuma	PROPN
ejge-10853	300	13	(	(	PUNCT
ejge-10853	300	14	2023	2023	NUM
ejge-10853	300	15	)	)	PUNCT
ejge-10853	300	16	,	,	PUNCT
ejge-10853	300	17	where	where	SCONJ
ejge-10853	300	18	cost	cost	NOUN
ejge-10853	300	19	-	-	PUNCT
ejge-10853	300	20	income	income	NOUN
ejge-10853	300	21	has	have	VERB
ejge-10853	300	22	a	a	DET
ejge-10853	300	23	positive	positive	ADJ
ejge-10853	300	24	impact	impact	NOUN
ejge-10853	300	25	on	on	ADP
ejge-10853	300	26	roa	roa	PROPN
ejge-10853	300	27	and	and	CCONJ
ejge-10853	300	28	roe	roe	PROPN
ejge-10853	300	29	.	.	PUNCT
ejge-10853	301	1	in	in	ADP
ejge-10853	301	2	our	our	PRON
ejge-10853	301	3	work	work	NOUN
ejge-10853	301	4	,	,	PUNCT
ejge-10853	301	5	we	we	PRON
ejge-10853	301	6	see	see	VERB
ejge-10853	301	7	that	that	SCONJ
ejge-10853	301	8	the	the	DET
ejge-10853	301	9	cost	cost	NOUN
ejge-10853	301	10	-	-	PUNCT
ejge-10853	301	11	income	income	NOUN
ejge-10853	301	12	variable	variable	NOUN
ejge-10853	301	13	(	(	PUNCT
ejge-10853	301	14	management	management	NOUN
ejge-10853	301	15	assets	asset	NOUN
ejge-10853	301	16	)	)	PUNCT
ejge-10853	301	17	had	have	VERB
ejge-10853	301	18	a	a	DET
ejge-10853	301	19	negative	negative	ADJ
ejge-10853	301	20	impact	impact	NOUN
ejge-10853	301	21	on	on	ADP
ejge-10853	301	22	profitability	profitability	NOUN
ejge-10853	301	23	among	among	ADP
ejge-10853	301	24	portugal	portugal	PROPN
ejge-10853	301	25	’s	’s	PART
ejge-10853	301	26	banks	bank	NOUN
ejge-10853	301	27	,	,	PUNCT
ejge-10853	301	28	measured	measure	VERB
ejge-10853	301	29	by	by	ADP
ejge-10853	301	30	roa	roa	PROPN
ejge-10853	301	31	and	and	CCONJ
ejge-10853	301	32	roe	roe	PROPN
ejge-10853	301	33	.	.	PUNCT
ejge-10853	302	1	contrary	contrary	ADJ
ejge-10853	302	2	to	to	ADP
ejge-10853	302	3	nunes	nunes	PROPN
ejge-10853	302	4	(	(	PUNCT
ejge-10853	302	5	2021	2021	NUM
ejge-10853	302	6	)	)	PUNCT
ejge-10853	302	7	,	,	PUNCT
ejge-10853	302	8	bank	bank	NOUN
ejge-10853	302	9	size	size	NOUN
ejge-10853	302	10	had	have	VERB
ejge-10853	302	11	a	a	DET
ejge-10853	302	12	positive	positive	ADJ
ejge-10853	302	13	impact	impact	NOUN
ejge-10853	302	14	on	on	ADP
ejge-10853	302	15	roa	roa	PROPN
ejge-10853	302	16	and	and	CCONJ
ejge-10853	302	17	roe	roe	PROPN
ejge-10853	302	18	.	.	PUNCT
ejge-10853	303	1	however	however	ADV
ejge-10853	303	2	,	,	PUNCT
ejge-10853	303	3	the	the	DET
ejge-10853	303	4	impairment	impairment	NOUN
ejge-10853	303	5	of	of	ADP
ejge-10853	303	6	non	non	ADJ
ejge-10853	303	7	-	-	ADJ
ejge-10853	303	8	performing	performing	ADJ
ejge-10853	303	9	loans	loan	NOUN
ejge-10853	303	10	had	have	VERB
ejge-10853	303	11	a	a	DET
ejge-10853	303	12	negative	negative	ADJ
ejge-10853	303	13	impact	impact	NOUN
ejge-10853	303	14	on	on	ADP
ejge-10853	303	15	banks	bank	NOUN
ejge-10853	303	16	’	'	PUNCT
ejge-10853	303	17	profitability	profitability	NOUN
ejge-10853	303	18	.	.	PUNCT
ejge-10853	304	1	similarly	similarly	ADV
ejge-10853	304	2	,	,	PUNCT
ejge-10853	304	3	martinho	martinho	PROPN
ejge-10853	304	4	et	et	PROPN
ejge-10853	304	5	al	al	PROPN
ejge-10853	304	6	.	.	PROPN
ejge-10853	305	1	(	(	PUNCT
ejge-10853	305	2	2024	2024	NUM
ejge-10853	305	3	)	)	PUNCT
ejge-10853	305	4	show	show	VERB
ejge-10853	305	5	that	that	SCONJ
ejge-10853	305	6	interest	interest	NOUN
ejge-10853	305	7	rates	rate	NOUN
ejge-10853	305	8	have	have	VERB
ejge-10853	305	9	a	a	DET
ejge-10853	305	10	positive	positive	ADJ
ejge-10853	305	11	and	and	CCONJ
ejge-10853	305	12	significant	significant	ADJ
ejge-10853	305	13	impact	impact	NOUN
ejge-10853	305	14	on	on	ADP
ejge-10853	305	15	roa	roa	PROPN
ejge-10853	305	16	.	.	PUNCT
ejge-10853	306	1	in	in	ADP
ejge-10853	306	2	terms	term	NOUN
ejge-10853	306	3	of	of	ADP
ejge-10853	306	4	comparability	comparability	NOUN
ejge-10853	306	5	of	of	ADP
ejge-10853	306	6	results	result	NOUN
ejge-10853	306	7	,	,	PUNCT
ejge-10853	306	8	our	our	PRON
ejge-10853	306	9	work	work	NOUN
ejge-10853	306	10	is	be	AUX
ejge-10853	306	11	in	in	ADP
ejge-10853	306	12	line	line	NOUN
ejge-10853	306	13	with	with	ADP
ejge-10853	306	14	yuan	yuan	PROPN
ejge-10853	306	15	et	et	PROPN
ejge-10853	306	16	al	al	PROPN
ejge-10853	306	17	.	.	PROPN
ejge-10853	307	1	(	(	PUNCT
ejge-10853	307	2	2022	2022	NUM
ejge-10853	307	3	)	)	PUNCT
ejge-10853	307	4	,	,	PUNCT
ejge-10853	307	5	showing	show	VERB
ejge-10853	307	6	that	that	SCONJ
ejge-10853	307	7	bank	bank	NOUN
ejge-10853	307	8	size	size	NOUN
ejge-10853	307	9	has	have	VERB
ejge-10853	307	10	a	a	DET
ejge-10853	307	11	positive	positive	ADJ
ejge-10853	307	12	and	and	CCONJ
ejge-10853	307	13	significant	significant	ADJ
ejge-10853	307	14	impact	impact	NOUN
ejge-10853	307	15	on	on	ADP
ejge-10853	307	16	roa	roa	PROPN
ejge-10853	307	17	and	and	CCONJ
ejge-10853	307	18	roe	roe	PROPN
ejge-10853	307	19	.	.	PUNCT
ejge-10853	308	1	according	accord	VERB
ejge-10853	308	2	to	to	ADP
ejge-10853	308	3	haddad	haddad	PROPN
ejge-10853	308	4	et	et	PROPN
ejge-10853	308	5	al	al	PROPN
ejge-10853	308	6	.	.	PROPN
ejge-10853	309	1	(	(	PUNCT
ejge-10853	309	2	2019	2019	NUM
ejge-10853	309	3	)	)	PUNCT
ejge-10853	309	4	,	,	PUNCT
ejge-10853	309	5	capital	capital	NOUN
ejge-10853	309	6	adequacy	adequacy	NOUN
ejge-10853	309	7	(	(	PUNCT
ejge-10853	309	8	solvability	solvability	NOUN
ejge-10853	309	9	)	)	PUNCT
ejge-10853	309	10	,	,	PUNCT
ejge-10853	309	11	asset	asset	NOUN
ejge-10853	309	12	quality	quality	NOUN
ejge-10853	309	13	and	and	CCONJ
ejge-10853	309	14	bank	bank	NOUN
ejge-10853	309	15	size	size	NOUN
ejge-10853	309	16	have	have	VERB
ejge-10853	309	17	a	a	DET
ejge-10853	309	18	positive	positive	ADJ
ejge-10853	309	19	and	and	CCONJ
ejge-10853	309	20	significant	significant	ADJ
ejge-10853	309	21	impact	impact	NOUN
ejge-10853	309	22	on	on	ADP
ejge-10853	309	23	banks	bank	NOUN
ejge-10853	309	24	’	'	PUNCT
ejge-10853	309	25	profitability	profitability	NOUN
ejge-10853	309	26	.	.	PUNCT
ejge-10853	310	1	like	like	ADP
ejge-10853	310	2	kasanaa	kasanaa	PROPN
ejge-10853	310	3	et	et	PROPN
ejge-10853	310	4	al	al	PROPN
ejge-10853	310	5	.	.	PROPN
ejge-10853	311	1	(	(	PUNCT
ejge-10853	311	2	2023	2023	NUM
ejge-10853	311	3	)	)	PUNCT
ejge-10853	311	4	,	,	PUNCT
ejge-10853	311	5	our	our	PRON
ejge-10853	311	6	work	work	NOUN
ejge-10853	311	7	shows	show	VERB
ejge-10853	311	8	that	that	SCONJ
ejge-10853	311	9	non	non	ADJ
ejge-10853	311	10	-	-	ADJ
ejge-10853	311	11	performing	performing	ADJ
ejge-10853	311	12	loans	loan	NOUN
ejge-10853	311	13	had	have	VERB
ejge-10853	311	14	a	a	DET
ejge-10853	311	15	negative	negative	ADJ
ejge-10853	311	16	influence	influence	NOUN
ejge-10853	311	17	on	on	ADP
ejge-10853	311	18	roa	roa	PROPN
ejge-10853	311	19	.	.	PUNCT
ejge-10853	312	1	on	on	ADP
ejge-10853	312	2	the	the	DET
ejge-10853	312	3	other	other	ADJ
ejge-10853	312	4	hand	hand	NOUN
ejge-10853	312	5	,	,	PUNCT
ejge-10853	312	6	capital	capital	NOUN
ejge-10853	312	7	adequacy	adequacy	NOUN
ejge-10853	312	8	had	have	VERB
ejge-10853	312	9	a	a	DET
ejge-10853	312	10	positive	positive	ADJ
ejge-10853	312	11	impact	impact	NOUN
ejge-10853	312	12	.	.	PUNCT
ejge-10853	313	1	5	5	X
ejge-10853	313	2	.	.	X
ejge-10853	313	3	conclusions	conclusion	NOUN
ejge-10853	313	4	the	the	DET
ejge-10853	313	5	main	main	ADJ
ejge-10853	313	6	goal	goal	NOUN
ejge-10853	313	7	of	of	ADP
ejge-10853	313	8	this	this	DET
ejge-10853	313	9	study	study	NOUN
ejge-10853	313	10	was	be	AUX
ejge-10853	313	11	to	to	PART
ejge-10853	313	12	obtain	obtain	VERB
ejge-10853	313	13	the	the	DET
ejge-10853	313	14	determinants	determinant	NOUN
ejge-10853	313	15	of	of	ADP
ejge-10853	313	16	banks	bank	NOUN
ejge-10853	313	17	’	'	PUNCT
ejge-10853	313	18	profitability	profitability	NOUN
ejge-10853	313	19	in	in	ADP
ejge-10853	313	20	portugal	portugal	PROPN
ejge-10853	313	21	over	over	ADP
ejge-10853	313	22	the	the	DET
ejge-10853	313	23	period	period	NOUN
ejge-10853	313	24	2013	2013	NUM
ejge-10853	313	25	to	to	ADP
ejge-10853	313	26	2023	2023	NUM
ejge-10853	313	27	.	.	PUNCT
ejge-10853	314	1	above	above	ADP
ejge-10853	314	2	all	all	PRON
ejge-10853	314	3	,	,	PUNCT
ejge-10853	314	4	we	we	PRON
ejge-10853	314	5	sought	seek	VERB
ejge-10853	314	6	to	to	PART
ejge-10853	314	7	analyse	analyse	VERB
ejge-10853	314	8	the	the	DET
ejge-10853	314	9	extent	extent	NOUN
ejge-10853	314	10	to	to	PART
ejge-10853	314	11	which	which	PRON
ejge-10853	314	12	the	the	DET
ejge-10853	314	13	increase	increase	NOUN
ejge-10853	314	14	in	in	ADP
ejge-10853	314	15	the	the	DET
ejge-10853	314	16	euribor	euribor	PROPN
ejge-10853	314	17	rate	rate	NOUN
ejge-10853	314	18	had	have	VERB
ejge-10853	314	19	an	an	DET
ejge-10853	314	20	impact	impact	NOUN
ejge-10853	314	21	on	on	ADP
ejge-10853	314	22	portuguese	portuguese	ADJ
ejge-10853	314	23	banks	bank	NOUN
ejge-10853	314	24	’	'	PUNCT
ejge-10853	314	25	profitability	profitability	NOUN
ejge-10853	314	26	,	,	PUNCT
ejge-10853	314	27	measured	measure	VERB
ejge-10853	314	28	by	by	ADP
ejge-10853	314	29	roe	roe	PROPN
ejge-10853	314	30	and	and	CCONJ
ejge-10853	314	31	roa	roa	PROPN
ejge-10853	314	32	.	.	PUNCT
ejge-10853	315	1	as	as	SCONJ
ejge-10853	315	2	in	in	ADP
ejge-10853	315	3	much	much	ADJ
ejge-10853	315	4	of	of	ADP
ejge-10853	315	5	the	the	DET
ejge-10853	315	6	literature	literature	NOUN
ejge-10853	315	7	(	(	PUNCT
ejge-10853	315	8	among	among	ADP
ejge-10853	315	9	others	other	NOUN
ejge-10853	315	10	,	,	PUNCT
ejge-10853	315	11	haddad	haddad	PROPN
ejge-10853	315	12	et	et	PROPN
ejge-10853	315	13	al	al	PROPN
ejge-10853	315	14	.	.	PROPN
ejge-10853	315	15	,	,	PUNCT
ejge-10853	315	16	2019	2019	NUM
ejge-10853	315	17	;	;	PUNCT
ejge-10853	315	18	lamothe	lamothe	PART
ejge-10853	315	19	et	et	PROPN
ejge-10853	315	20	al	al	PROPN
ejge-10853	315	21	.	.	PROPN
ejge-10853	315	22	,	,	PUNCT
ejge-10853	315	23	2024	2024	NUM
ejge-10853	315	24	;	;	PUNCT
ejge-10853	315	25	yuan	yuan	NOUN
ejge-10853	315	26	et	et	PROPN
ejge-10853	315	27	al	al	PROPN
ejge-10853	315	28	.	.	PROPN
ejge-10853	315	29	,	,	PUNCT
ejge-10853	315	30	2022	2022	NUM
ejge-10853	315	31	)	)	PUNCT
ejge-10853	315	32	,	,	PUNCT
ejge-10853	315	33	roe	roe	PROPN
ejge-10853	315	34	and	and	CCONJ
ejge-10853	315	35	roa	roa	PROPN
ejge-10853	315	36	were	be	AUX
ejge-10853	315	37	considered	consider	VERB
ejge-10853	315	38	to	to	PART
ejge-10853	315	39	measure	measure	VERB
ejge-10853	315	40	the	the	DET
ejge-10853	315	41	banks	bank	NOUN
ejge-10853	315	42	’	’	PART
ejge-10853	315	43	profitability	profitability	NOUN
ejge-10853	315	44	.	.	PUNCT
ejge-10853	316	1	impairment	impairment	NOUN
ejge-10853	316	2	of	of	ADP
ejge-10853	316	3	nonperforming	nonperforme	VERB
ejge-10853	316	4	loans	loan	NOUN
ejge-10853	316	5	,	,	PUNCT
ejge-10853	316	6	overdue	overdue	ADJ
ejge-10853	316	7	loans	loan	NOUN
ejge-10853	316	8	over	over	ADP
ejge-10853	316	9	total	total	ADJ
ejge-10853	316	10	loans	loan	NOUN
ejge-10853	316	11	,	,	PUNCT
ejge-10853	316	12	cost	cost	NOUN
ejge-10853	316	13	-	-	PUNCT
ejge-10853	316	14	income	income	NOUN
ejge-10853	316	15	ratio	ratio	NOUN
ejge-10853	316	16	,	,	PUNCT
ejge-10853	316	17	solvability	solvability	NOUN
ejge-10853	316	18	ratio	ratio	NOUN
ejge-10853	316	19	,	,	PUNCT
ejge-10853	316	20	bank	bank	NOUN
ejge-10853	316	21	size	size	NOUN
ejge-10853	316	22	,	,	PUNCT
ejge-10853	316	23	financial	financial	ADJ
ejge-10853	316	24	margin	margin	NOUN
ejge-10853	316	25	and	and	CCONJ
ejge-10853	316	26	euribor	euribor	NOUN
ejge-10853	316	27	were	be	AUX
ejge-10853	316	28	considered	consider	VERB
ejge-10853	316	29	as	as	ADP
ejge-10853	316	30	explanatory	explanatory	ADJ
ejge-10853	316	31	variables	variable	NOUN
ejge-10853	316	32	.	.	PUNCT
ejge-10853	317	1	this	this	DET
ejge-10853	317	2	choice	choice	NOUN
ejge-10853	317	3	is	be	AUX
ejge-10853	317	4	in	in	ADP
ejge-10853	317	5	line	line	NOUN
ejge-10853	317	6	with	with	ADP
ejge-10853	317	7	the	the	DET
ejge-10853	317	8	work	work	NOUN
ejge-10853	317	9	of	of	ADP
ejge-10853	317	10	kasanaa	kasanaa	PROPN
ejge-10853	317	11	et	et	PROPN
ejge-10853	317	12	al	al	PROPN
ejge-10853	317	13	.	.	PROPN
ejge-10853	318	1	(	(	PUNCT
ejge-10853	318	2	2023	2023	NUM
ejge-10853	318	3	)	)	PUNCT
ejge-10853	318	4	,	,	PUNCT
ejge-10853	318	5	mashamba	mashamba	NOUN
ejge-10853	318	6	and	and	CCONJ
ejge-10853	318	7	chikutuma	chikutuma	PROPN
ejge-10853	318	8	(	(	PUNCT
ejge-10853	318	9	2023	2023	NUM
ejge-10853	318	10	)	)	PUNCT
ejge-10853	318	11	,	,	PUNCT
ejge-10853	318	12	martinho	martinho	NOUN
ejge-10853	318	13	et	et	PROPN
ejge-10853	318	14	al	al	PROPN
ejge-10853	318	15	.	.	PROPN
ejge-10853	319	1	(	(	PUNCT
ejge-10853	319	2	2024	2024	NUM
ejge-10853	319	3	)	)	PUNCT
ejge-10853	319	4	,	,	PUNCT
ejge-10853	319	5	nunes	nune	NOUN
ejge-10853	319	6	(	(	PUNCT
ejge-10853	319	7	2021	2021	NUM
ejge-10853	319	8	)	)	PUNCT
ejge-10853	319	9	and	and	CCONJ
ejge-10853	319	10	qehaja	qehaja	NOUN
ejge-10853	319	11	-	-	PUNCT
ejge-10853	319	12	keka	keka	NOUN
ejge-10853	319	13	et	et	PROPN
ejge-10853	319	14	al	al	PROPN
ejge-10853	319	15	.	.	PROPN
ejge-10853	320	1	(	(	PUNCT
ejge-10853	320	2	2023	2023	NUM
ejge-10853	320	3	)	)	PUNCT
ejge-10853	320	4	.	.	PUNCT
ejge-10853	321	1	our	our	PRON
ejge-10853	321	2	results	result	NOUN
ejge-10853	321	3	show	show	VERB
ejge-10853	321	4	that	that	SCONJ
ejge-10853	321	5	the	the	DET
ejge-10853	321	6	variables	variable	NOUN
ejge-10853	321	7	that	that	PRON
ejge-10853	321	8	represent	represent	VERB
ejge-10853	321	9	credit	credit	NOUN
ejge-10853	321	10	quality	quality	NOUN
ejge-10853	321	11	(	(	PUNCT
ejge-10853	321	12	cvct	cvct	NOUN
ejge-10853	321	13	and	and	CCONJ
ejge-10853	321	14	icv	icv	PROPN
ejge-10853	321	15	)	)	PUNCT
ejge-10853	321	16	,	,	PUNCT
ejge-10853	321	17	capital	capital	NOUN
ejge-10853	321	18	adequacy	adequacy	NOUN
ejge-10853	321	19	(	(	PUNCT
ejge-10853	321	20	tier	tier	NOUN
ejge-10853	321	21	1	1	NUM
ejge-10853	321	22	)	)	PUNCT
ejge-10853	321	23	,	,	PUNCT
ejge-10853	321	24	management	management	NOUN
ejge-10853	321	25	capacity	capacity	NOUN
ejge-10853	321	26	(	(	PUNCT
ejge-10853	321	27	ctin	ctin	NOUN
ejge-10853	321	28	)	)	PUNCT
ejge-10853	321	29	and	and	CCONJ
ejge-10853	321	30	12	12	NUM
ejge-10853	321	31	-	-	PUNCT
ejge-10853	321	32	month	month	NOUN
ejge-10853	321	33	euribor	euribor	PROPN
ejge-10853	321	34	present	present	ADJ
ejge-10853	321	35	the	the	DET
ejge-10853	321	36	expected	expect	VERB
ejge-10853	321	37	sign	sign	NOUN
ejge-10853	321	38	.	.	PUNCT
ejge-10853	322	1	on	on	ADP
ejge-10853	322	2	the	the	DET
ejge-10853	322	3	other	other	ADJ
ejge-10853	322	4	hand	hand	NOUN
ejge-10853	322	5	,	,	PUNCT
ejge-10853	322	6	the	the	DET
ejge-10853	322	7	range	range	NOUN
ejge-10853	322	8	of	of	ADP
ejge-10853	322	9	exploratory	exploratory	ADJ
ejge-10853	322	10	variables	variable	NOUN
ejge-10853	322	11	in	in	ADP
ejge-10853	322	12	this	this	DET
ejge-10853	322	13	study	study	NOUN
ejge-10853	322	14	explains	explain	VERB
ejge-10853	322	15	roe	roe	NOUN
ejge-10853	322	16	more	more	ADV
ejge-10853	322	17	adequately	adequately	ADV
ejge-10853	322	18	than	than	ADP
ejge-10853	322	19	roa	roa	PROPN
ejge-10853	322	20	.	.	PUNCT
ejge-10853	323	1	we	we	PRON
ejge-10853	323	2	were	be	AUX
ejge-10853	323	3	able	able	ADJ
ejge-10853	323	4	to	to	PART
ejge-10853	323	5	verify	verify	VERB
ejge-10853	323	6	that	that	SCONJ
ejge-10853	323	7	64	64	NUM
ejge-10853	323	8	%	%	NOUN
ejge-10853	323	9	of	of	ADP
ejge-10853	323	10	the	the	DET
ejge-10853	323	11	variance	variance	NOUN
ejge-10853	323	12	of	of	ADP
ejge-10853	323	13	roe	roe	PROPN
ejge-10853	323	14	is	be	AUX
ejge-10853	323	15	explained	explain	VERB
ejge-10853	323	16	by	by	ADP
ejge-10853	323	17	the	the	DET
ejge-10853	323	18	set	set	NOUN
ejge-10853	323	19	of	of	ADP
ejge-10853	323	20	banks	bank	NOUN
ejge-10853	323	21	’	'	PUNCT
ejge-10853	323	22	profitability	profitability	NOUN
ejge-10853	323	23	in	in	ADP
ejge-10853	323	24	portugal	portugal	PROPN
ejge-10853	323	25	from	from	ADP
ejge-10853	323	26	2013	2013	NUM
ejge-10853	323	27	to	to	ADP
ejge-10853	323	28	2023	2023	NUM
ejge-10853	323	29	independent	independent	ADJ
ejge-10853	323	30	variables	variable	NOUN
ejge-10853	323	31	applied	apply	VERB
ejge-10853	323	32	.	.	PUNCT
ejge-10853	324	1	on	on	ADP
ejge-10853	324	2	the	the	DET
ejge-10853	324	3	other	other	ADJ
ejge-10853	324	4	hand	hand	NOUN
ejge-10853	324	5	,	,	PUNCT
ejge-10853	324	6	54	54	NUM
ejge-10853	324	7	%	%	NOUN
ejge-10853	324	8	of	of	ADP
ejge-10853	324	9	the	the	DET
ejge-10853	324	10	variance	variance	NOUN
ejge-10853	324	11	of	of	ADP
ejge-10853	324	12	roa	roa	PROPN
ejge-10853	324	13	is	be	AUX
ejge-10853	324	14	explained	explain	VERB
ejge-10853	324	15	by	by	ADP
ejge-10853	324	16	the	the	DET
ejge-10853	324	17	set	set	NOUN
ejge-10853	324	18	of	of	ADP
ejge-10853	324	19	exploratory	exploratory	ADJ
ejge-10853	324	20	variables	variable	NOUN
ejge-10853	324	21	employed	employ	VERB
ejge-10853	324	22	.	.	PUNCT
ejge-10853	325	1	this	this	DET
ejge-10853	325	2	conclusion	conclusion	NOUN
ejge-10853	325	3	is	be	AUX
ejge-10853	325	4	in	in	ADP
ejge-10853	325	5	line	line	NOUN
ejge-10853	325	6	with	with	ADP
ejge-10853	325	7	the	the	DET
ejge-10853	325	8	literature	literature	NOUN
ejge-10853	325	9	(	(	PUNCT
ejge-10853	325	10	petria	petria	PROPN
ejge-10853	325	11	,	,	PUNCT
ejge-10853	325	12	2015	2015	NUM
ejge-10853	325	13	)	)	PUNCT
ejge-10853	325	14	.	.	PUNCT
ejge-10853	326	1	roe	roe	PROPN
ejge-10853	326	2	is	be	AUX
ejge-10853	326	3	computed	compute	VERB
ejge-10853	326	4	as	as	ADP
ejge-10853	326	5	the	the	DET
ejge-10853	326	6	ratio	ratio	NOUN
ejge-10853	326	7	between	between	ADP
ejge-10853	326	8	the	the	DET
ejge-10853	326	9	bank	bank	NOUN
ejge-10853	326	10	's	's	PART
ejge-10853	326	11	net	net	ADJ
ejge-10853	326	12	profit	profit	NOUN
ejge-10853	326	13	and	and	CCONJ
ejge-10853	326	14	equity	equity	NOUN
ejge-10853	326	15	:	:	PUNCT
ejge-10853	326	16	hence	hence	ADV
ejge-10853	326	17	,	,	PUNCT
ejge-10853	326	18	to	to	PART
ejge-10853	326	19	study	study	VERB
ejge-10853	326	20	the	the	DET
ejge-10853	326	21	impact	impact	NOUN
ejge-10853	326	22	on	on	ADP
ejge-10853	326	23	banks	bank	NOUN
ejge-10853	326	24	'	'	PART
ejge-10853	326	25	profitability	profitability	NOUN
ejge-10853	326	26	,	,	PUNCT
ejge-10853	326	27	the	the	DET
ejge-10853	326	28	measure	measure	NOUN
ejge-10853	326	29	of	of	ADP
ejge-10853	326	30	profitability	profitability	NOUN
ejge-10853	326	31	chosen	choose	VERB
ejge-10853	326	32	was	be	AUX
ejge-10853	326	33	roe	roe	NOUN
ejge-10853	326	34	.	.	PUNCT
ejge-10853	327	1	the	the	DET
ejge-10853	327	2	roa	roa	PROPN
ejge-10853	327	3	shows	show	VERB
ejge-10853	327	4	the	the	DET
ejge-10853	327	5	net	net	ADJ
ejge-10853	327	6	profit	profit	NOUN
ejge-10853	327	7	generated	generate	VERB
ejge-10853	327	8	by	by	ADP
ejge-10853	327	9	banks	bank	NOUN
ejge-10853	327	10	'	'	PART
ejge-10853	327	11	total	total	ADJ
ejge-10853	327	12	assets	asset	NOUN
ejge-10853	327	13	and	and	CCONJ
ejge-10853	327	14	is	be	AUX
ejge-10853	327	15	more	more	ADV
ejge-10853	327	16	appropriate	appropriate	ADJ
ejge-10853	327	17	for	for	ADP
ejge-10853	327	18	evaluating	evaluate	VERB
ejge-10853	327	19	management	management	NOUN
ejge-10853	327	20	efficiency	efficiency	NOUN
ejge-10853	327	21	.	.	PUNCT
ejge-10853	328	1	however	however	ADV
ejge-10853	328	2	,	,	PUNCT
ejge-10853	328	3	the	the	DET
ejge-10853	328	4	main	main	ADJ
ejge-10853	328	5	conclusion	conclusion	NOUN
ejge-10853	328	6	of	of	ADP
ejge-10853	328	7	this	this	DET
ejge-10853	328	8	work	work	NOUN
ejge-10853	328	9	concerns	concern	VERB
ejge-10853	328	10	the	the	DET
ejge-10853	328	11	euribor	euribor	PROPN
ejge-10853	328	12	rate	rate	NOUN
ejge-10853	328	13	.	.	PUNCT
ejge-10853	329	1	when	when	SCONJ
ejge-10853	329	2	euribor	euribor	PROPN
ejge-10853	329	3	increases	increase	VERB
ejge-10853	329	4	by	by	ADP
ejge-10853	329	5	1	1	NUM
ejge-10853	329	6	%	%	NOUN
ejge-10853	329	7	,	,	PUNCT
ejge-10853	329	8	the	the	DET
ejge-10853	329	9	banks	bank	NOUN
ejge-10853	329	10	’	’	PART
ejge-10853	329	11	profitability	profitability	NOUN
ejge-10853	329	12	(	(	PUNCT
ejge-10853	329	13	roe	roe	NOUN
ejge-10853	329	14	)	)	PUNCT
ejge-10853	329	15	improves	improve	VERB
ejge-10853	329	16	by	by	ADP
ejge-10853	329	17	2.303	2.303	NUM
ejge-10853	329	18	%	%	NOUN
ejge-10853	329	19	.	.	PUNCT
ejge-10853	330	1	in	in	ADP
ejge-10853	330	2	the	the	DET
ejge-10853	330	3	same	same	ADJ
ejge-10853	330	4	way	way	NOUN
ejge-10853	330	5	,	,	PUNCT
ejge-10853	330	6	when	when	SCONJ
ejge-10853	330	7	euribor	euribor	PROPN
ejge-10853	330	8	increases	increase	VERB
ejge-10853	330	9	by	by	ADP
ejge-10853	330	10	1	1	NUM
ejge-10853	330	11	%	%	NOUN
ejge-10853	330	12	,	,	PUNCT
ejge-10853	330	13	the	the	DET
ejge-10853	330	14	bank	bank	NOUN
ejge-10853	330	15	's	's	PART
ejge-10853	330	16	profitability	profitability	NOUN
ejge-10853	330	17	(	(	PUNCT
ejge-10853	330	18	roa	roa	NOUN
ejge-10853	330	19	)	)	PUNCT
ejge-10853	330	20	improves	improve	VERB
ejge-10853	330	21	by	by	ADP
ejge-10853	330	22	1.304	1.304	NUM
ejge-10853	330	23	%	%	NOUN
ejge-10853	330	24	.	.	PUNCT
ejge-10853	331	1	so	so	ADV
ejge-10853	331	2	,	,	PUNCT
ejge-10853	331	3	despite	despite	SCONJ
ejge-10853	331	4	the	the	DET
ejge-10853	331	5	lower	low	ADJ
ejge-10853	331	6	statistical	statistical	ADJ
ejge-10853	331	7	significance	significance	NOUN
ejge-10853	331	8	for	for	ADP
ejge-10853	331	9	roa	roa	NOUN
ejge-10853	331	10	than	than	ADP
ejge-10853	331	11	for	for	ADP
ejge-10853	331	12	roe	roe	NOUN
ejge-10853	331	13	,	,	PUNCT
ejge-10853	331	14	the	the	DET
ejge-10853	331	15	euribor	euribor	PROPN
ejge-10853	331	16	variable	variable	NOUN
ejge-10853	331	17	presents	present	VERB
ejge-10853	331	18	the	the	DET
ejge-10853	331	19	expected	expect	VERB
ejge-10853	331	20	sign	sign	NOUN
ejge-10853	331	21	.	.	PUNCT
ejge-10853	332	1	this	this	PRON
ejge-10853	332	2	confirms	confirm	VERB
ejge-10853	332	3	that	that	SCONJ
ejge-10853	332	4	the	the	DET
ejge-10853	332	5	euribor	euribor	PROPN
ejge-10853	332	6	increase	increase	NOUN
ejge-10853	332	7	after	after	ADP
ejge-10853	332	8	2021	2021	NUM
ejge-10853	332	9	had	have	VERB
ejge-10853	332	10	a	a	DET
ejge-10853	332	11	very	very	ADV
ejge-10853	332	12	positive	positive	ADJ
ejge-10853	332	13	impact	impact	NOUN
ejge-10853	332	14	on	on	ADP
ejge-10853	332	15	the	the	DET
ejge-10853	332	16	asset	asset	NOUN
ejge-10853	332	17	capital	capital	NOUN
ejge-10853	332	18	profitability	profitability	NOUN
ejge-10853	332	19	of	of	ADP
ejge-10853	332	20	banks	bank	NOUN
ejge-10853	332	21	.	.	PUNCT
ejge-10853	333	1	this	this	DET
ejge-10853	333	2	study	study	NOUN
ejge-10853	333	3	sought	seek	VERB
ejge-10853	333	4	to	to	PART
ejge-10853	333	5	contribute	contribute	VERB
ejge-10853	333	6	to	to	ADP
ejge-10853	333	7	future	future	ADJ
ejge-10853	333	8	research	research	NOUN
ejge-10853	333	9	and	and	CCONJ
ejge-10853	333	10	show	show	VERB
ejge-10853	333	11	researchers	researcher	NOUN
ejge-10853	333	12	the	the	DET
ejge-10853	333	13	importance	importance	NOUN
ejge-10853	333	14	of	of	ADP
ejge-10853	333	15	this	this	DET
ejge-10853	333	16	topic	topic	NOUN
ejge-10853	333	17	.	.	PUNCT
ejge-10853	334	1	in	in	ADP
ejge-10853	334	2	particular	particular	ADJ
ejge-10853	334	3	,	,	PUNCT
ejge-10853	334	4	the	the	DET
ejge-10853	334	5	external	external	ADJ
ejge-10853	334	6	variable	variable	NOUN
ejge-10853	334	7	(	(	PUNCT
ejge-10853	334	8	euribor	euribor	PROPN
ejge-10853	334	9	)	)	PUNCT
ejge-10853	334	10	had	have	AUX
ejge-10853	334	11	not	not	PART
ejge-10853	334	12	previously	previously	ADV
ejge-10853	334	13	been	be	AUX
ejge-10853	334	14	tested	test	VERB
ejge-10853	334	15	in	in	ADP
ejge-10853	334	16	relation	relation	NOUN
ejge-10853	334	17	to	to	ADP
ejge-10853	334	18	portuguese	portuguese	ADJ
ejge-10853	334	19	banking	banking	NOUN
ejge-10853	334	20	profitability	profitability	NOUN
ejge-10853	334	21	.	.	PUNCT
ejge-10853	335	1	compared	compare	VERB
ejge-10853	335	2	to	to	ADP
ejge-10853	335	3	other	other	ADJ
ejge-10853	335	4	studies	study	NOUN
ejge-10853	335	5	focused	focus	VERB
ejge-10853	335	6	on	on	ADP
ejge-10853	335	7	banking	banking	NOUN
ejge-10853	335	8	profitability	profitability	NOUN
ejge-10853	335	9	,	,	PUNCT
ejge-10853	335	10	our	our	PRON
ejge-10853	335	11	significant	significant	ADJ
ejge-10853	335	12	contribution	contribution	NOUN
ejge-10853	335	13	involves	involve	VERB
ejge-10853	335	14	studying	study	VERB
ejge-10853	335	15	the	the	DET
ejge-10853	335	16	effect	effect	NOUN
ejge-10853	335	17	of	of	ADP
ejge-10853	335	18	euribor	euribor	NOUN
ejge-10853	335	19	on	on	ADP
ejge-10853	335	20	the	the	DET
ejge-10853	335	21	portuguese	portuguese	ADJ
ejge-10853	335	22	banking	banking	NOUN
ejge-10853	335	23	sector	sector	NOUN
ejge-10853	335	24	.	.	PUNCT
ejge-10853	336	1	references	reference	NOUN
ejge-10853	336	2	adem	adem	PROPN
ejge-10853	336	3	,	,	PUNCT
ejge-10853	336	4	m.	m.	NOUN
ejge-10853	336	5	(	(	PUNCT
ejge-10853	336	6	2023	2023	NUM
ejge-10853	336	7	)	)	PUNCT
ejge-10853	336	8	.	.	PUNCT
ejge-10853	337	1	the	the	DET
ejge-10853	337	2	impact	impact	NOUN
ejge-10853	337	3	of	of	ADP
ejge-10853	337	4	macroprudential	macroprudential	ADJ
ejge-10853	337	5	policy	policy	NOUN
ejge-10853	337	6	and	and	CCONJ
ejge-10853	337	7	political	political	ADJ
ejge-10853	337	8	institutions	institution	NOUN
ejge-10853	337	9	on	on	ADP
ejge-10853	337	10	bank	bank	NOUN
ejge-10853	337	11	credit	credit	NOUN
ejge-10853	337	12	risk	risk	NOUN
ejge-10853	337	13	in	in	ADP
ejge-10853	337	14	ethiopia	ethiopia	PROPN
ejge-10853	337	15	:	:	PUNCT
ejge-10853	337	16	a	a	DET
ejge-10853	337	17	dynamic	dynamic	ADJ
ejge-10853	337	18	ordinary	ordinary	ADJ
ejge-10853	337	19	least	least	ADJ
ejge-10853	337	20	squares	square	NOUN
ejge-10853	337	21	analysis	analysis	NOUN
ejge-10853	337	22	.	.	PUNCT
ejge-10853	338	1	cogent	cogent	NOUN
ejge-10853	338	2	business	business	PROPN
ejge-10853	338	3	&	&	CCONJ
ejge-10853	338	4	management	management	PROPN
ejge-10853	338	5	,	,	PUNCT
ejge-10853	338	6	10(1	10(1	NUM
ejge-10853	338	7	)	)	PUNCT
ejge-10853	338	8	,	,	PUNCT
ejge-10853	338	9	1	1	NUM
ejge-10853	338	10	-	-	SYM
ejge-10853	338	11	20	20	NUM
ejge-10853	338	12	.	.	PUNCT
ejge-10853	338	13	https://doi.org/10.1080/23311975.2023.2257829	https://doi.org/10.1080/23311975.2023.2257829	PROPN
ejge-10853	339	1	akther	akther	PROPN
ejge-10853	339	2	,	,	PUNCT
ejge-10853	339	3	t.	t.	PROPN
ejge-10853	339	4	,	,	PUNCT
ejge-10853	339	5	rahman	rahman	PROPN
ejge-10853	339	6	,	,	PUNCT
ejge-10853	339	7	m.	m.	NOUN
ejge-10853	339	8	,	,	PUNCT
ejge-10853	339	9	&	&	CCONJ
ejge-10853	339	10	rahman	rahman	PROPN
ejge-10853	339	11	,	,	PUNCT
ejge-10853	339	12	m.	m.	NOUN
ejge-10853	339	13	m.	m.	NOUN
ejge-10853	339	14	(	(	PUNCT
ejge-10853	339	15	2023	2023	NUM
ejge-10853	339	16	)	)	PUNCT
ejge-10853	339	17	.	.	PUNCT
ejge-10853	340	1	factors	factor	NOUN
ejge-10853	340	2	influencing	influence	VERB
ejge-10853	340	3	commercial	commercial	ADJ
ejge-10853	340	4	bank	bank	NOUN
ejge-10853	340	5	profitability	profitability	NOUN
ejge-10853	340	6	in	in	ADP
ejge-10853	340	7	bangladesh	bangladesh	NOUN
ejge-10853	340	8	:	:	PUNCT
ejge-10853	340	9	a	a	DET
ejge-10853	340	10	panel	panel	NOUN
ejge-10853	340	11	data	datum	NOUN
ejge-10853	340	12	approach	approach	NOUN
ejge-10853	340	13	.	.	PUNCT
ejge-10853	341	1	future	future	ADJ
ejge-10853	341	2	business	business	NOUN
ejge-10853	341	3	journal	journal	NOUN
ejge-10853	341	4	,	,	PUNCT
ejge-10853	341	5	9(66	9(66	NUM
ejge-10853	341	6	)	)	PUNCT
ejge-10853	341	7	.	.	PUNCT
ejge-10853	342	1	https://doi.org/10.1186/s43093-023-00247-8	https://doi.org/10.1186/s43093-023-00247-8	NUM
ejge-10853	342	2	banco	banco	PROPN
ejge-10853	342	3	de	de	X
ejge-10853	342	4	portugal	portugal	PROPN
ejge-10853	342	5	.	.	PUNCT
ejge-10853	343	1	(	(	PUNCT
ejge-10853	343	2	2023	2023	NUM
ejge-10853	343	3	)	)	PUNCT
ejge-10853	343	4	.	.	PUNCT
ejge-10853	344	1	relatório	relatório	PROPN
ejge-10853	344	2	de	de	PROPN
ejge-10853	344	3	estabilidade	estabilidade	PROPN
ejge-10853	344	4	financeira	financeira	PROPN
ejge-10853	344	5	.	.	PUNCT
ejge-10853	345	1	banco	banco	PROPN
ejge-10853	345	2	de	de	PROPN
ejge-10853	345	3	portugal	portugal	PROPN
ejge-10853	345	4	.	.	PUNCT
ejge-10853	345	5	https://bpstat	https://bpstat	PROPN
ejge-10853	345	6	.	.	PROPN
ejge-10853	345	7	bportugal.pt/	bportugal.pt/	PROPN
ejge-10853	345	8	bcbs	bcbs	PROPN
ejge-10853	345	9	.	.	PUNCT
ejge-10853	346	1	(	(	PUNCT
ejge-10853	346	2	2013	2013	NUM
ejge-10853	346	3	)	)	PUNCT
ejge-10853	346	4	.	.	PUNCT
ejge-10853	347	1	basel	basel	PROPN
ejge-10853	347	2	iii	iii	PROPN
ejge-10853	347	3	:	:	PUNCT
ejge-10853	347	4	the	the	DET
ejge-10853	347	5	liquidity	liquidity	NOUN
ejge-10853	347	6	coverage	coverage	NOUN
ejge-10853	347	7	ratio	ratio	NOUN
ejge-10853	347	8	and	and	CCONJ
ejge-10853	347	9	liquidity	liquidity	NOUN
ejge-10853	347	10	risk	risk	NOUN
ejge-10853	347	11	monitoring	monitoring	NOUN
ejge-10853	347	12	.	.	PUNCT
ejge-10853	348	1	bis	bis	PROPN
ejge-10853	348	2	.	.	PUNCT
ejge-10853	349	1	bcbs	bcbs	PROPN
ejge-10853	349	2	.	.	PUNCT
ejge-10853	350	1	(	(	PUNCT
ejge-10853	350	2	2014	2014	NUM
ejge-10853	350	3	)	)	PUNCT
ejge-10853	350	4	.	.	PUNCT
ejge-10853	351	1	basel	basel	PROPN
ejge-10853	351	2	iii	iii	PROPN
ejge-10853	351	3	:	:	PUNCT
ejge-10853	351	4	the	the	DET
ejge-10853	351	5	net	net	ADJ
ejge-10853	351	6	stable	stable	ADJ
ejge-10853	351	7	funding	funding	NOUN
ejge-10853	351	8	ratio	ratio	NOUN
ejge-10853	351	9	.	.	PUNCT
ejge-10853	352	1	bis	bis	PROPN
ejge-10853	352	2	.	.	PUNCT
ejge-10853	353	1	https://doi.org/10.5089/9781498346498.001	https://doi.org/10.5089/9781498346498.001	X
ejge-10853	353	2	bcbs	bcbs	PROPN
ejge-10853	353	3	.	.	PUNCT
ejge-10853	354	1	(	(	PUNCT
ejge-10853	354	2	2017	2017	NUM
ejge-10853	354	3	)	)	PUNCT
ejge-10853	354	4	.	.	PUNCT
ejge-10853	355	1	basel	basel	PROPN
ejge-10853	355	2	iii	iii	PROPN
ejge-10853	355	3	:	:	PUNCT
ejge-10853	355	4	finalising	finalise	VERB
ejge-10853	355	5	post	post	ADJ
ejge-10853	355	6	-	-	ADJ
ejge-10853	355	7	crisis	crisis	NOUN
ejge-10853	355	8	reforms	reform	NOUN
ejge-10853	355	9	.	.	PUNCT
ejge-10853	356	1	bis	bis	PROPN
ejge-10853	356	2	.	.	PUNCT
ejge-10853	357	1	boto	boto	NOUN
ejge-10853	357	2	-	-	PUNCT
ejge-10853	357	3	garcía	garcía	ADJ
ejge-10853	357	4	,	,	PUNCT
ejge-10853	357	5	d.	d.	PROPN
ejge-10853	357	6	,	,	PUNCT
ejge-10853	357	7	álvarez	álvarez	PROPN
ejge-10853	357	8	,	,	PUNCT
ejge-10853	357	9	a.	a.	NOUN
ejge-10853	357	10	,	,	PUNCT
ejge-10853	357	11	&	&	CCONJ
ejge-10853	357	12	pino	pino	PROPN
ejge-10853	357	13	,	,	PUNCT
ejge-10853	357	14	j.	j.	PROPN
ejge-10853	357	15	f.	f.	PROPN
ejge-10853	357	16	(	(	PUNCT
ejge-10853	357	17	2021	2021	NUM
ejge-10853	357	18	)	)	PUNCT
ejge-10853	357	19	.	.	PUNCT
ejge-10853	358	1	the	the	DET
ejge-10853	358	2	effect	effect	NOUN
ejge-10853	358	3	of	of	ADP
ejge-10853	358	4	euribor	euribor	NOUN
ejge-10853	358	5	on	on	ADP
ejge-10853	358	6	banking	banking	NOUN
ejge-10853	358	7	profitability	profitability	NOUN
ejge-10853	358	8	:	:	PUNCT
ejge-10853	358	9	evidence	evidence	NOUN
ejge-10853	358	10	from	from	ADP
ejge-10853	358	11	the	the	DET
ejge-10853	358	12	spanish	spanish	ADJ
ejge-10853	358	13	banking	banking	NOUN
ejge-10853	358	14	system	system	NOUN
ejge-10853	358	15	.	.	PUNCT
ejge-10853	359	1	european	european	PROPN
ejge-10853	359	2	journal	journal	PROPN
ejge-10853	359	3	of	of	ADP
ejge-10853	359	4	government	government	NOUN
ejge-10853	359	5	and	and	CCONJ
ejge-10853	359	6	economics	economic	NOUN
ejge-10853	359	7	,	,	PUNCT
ejge-10853	359	8	10(1	10(1	NUM
ejge-10853	359	9	)	)	PUNCT
ejge-10853	359	10	,	,	PUNCT
ejge-10853	359	11	5	5	NUM
ejge-10853	359	12	-	-	SYM
ejge-10853	359	13	29	29	NUM
ejge-10853	359	14	.	.	PUNCT
ejge-10853	360	1	https://doi.org/10.17979/ejge.2021.10.1.7083	https://doi.org/10.17979/ejge.2021.10.1.7083	PRON
ejge-10853	360	2	breusch	breusch	PROPN
ejge-10853	360	3	,	,	PUNCT
ejge-10853	360	4	t.	t.	PROPN
ejge-10853	360	5	s.	s.	PROPN
ejge-10853	360	6	,	,	PUNCT
ejge-10853	360	7	&	&	CCONJ
ejge-10853	360	8	pagan	pagan	PROPN
ejge-10853	360	9	,	,	PUNCT
ejge-10853	360	10	a.	a.	PROPN
ejge-10853	360	11	r.	r.	PROPN
ejge-10853	360	12	(	(	PUNCT
ejge-10853	360	13	1979	1979	NUM
ejge-10853	360	14	)	)	PUNCT
ejge-10853	360	15	.	.	PUNCT
ejge-10853	361	1	a	a	DET
ejge-10853	361	2	simple	simple	ADJ
ejge-10853	361	3	test	test	NOUN
ejge-10853	361	4	for	for	ADP
ejge-10853	361	5	heteroscedasticity	heteroscedasticity	NOUN
ejge-10853	361	6	and	and	CCONJ
ejge-10853	361	7	random	random	ADJ
ejge-10853	361	8	coefficient	coefficient	NOUN
ejge-10853	361	9	variation	variation	NOUN
ejge-10853	361	10	.	.	PUNCT
ejge-10853	362	1	econometrica	econometrica	PROPN
ejge-10853	362	2	,	,	PUNCT
ejge-10853	362	3	47	47	NUM
ejge-10853	362	4	,	,	PUNCT
ejge-10853	362	5	1287	1287	NUM
ejge-10853	362	6	-	-	SYM
ejge-10853	362	7	1294	1294	NUM
ejge-10853	362	8	.	.	PUNCT
ejge-10853	363	1	https://doi.org/10.2307/1911963	https://doi.org/10.2307/1911963	VERB
ejge-10853	363	2	carvalho	carvalho	PROPN
ejge-10853	363	3	,	,	PUNCT
ejge-10853	363	4	j.	j.	PROPN
ejge-10853	363	5	f.	f.	PROPN
ejge-10853	363	6	,	,	PUNCT
ejge-10853	363	7	&	&	CCONJ
ejge-10853	363	8	ribeiro	ribeiro	PROPN
ejge-10853	363	9	,	,	PUNCT
ejge-10853	363	10	a.	a.	PROPN
ejge-10853	363	11	(	(	PUNCT
ejge-10853	363	12	2016	2016	NUM
ejge-10853	363	13	)	)	PUNCT
ejge-10853	363	14	.	.	PUNCT
ejge-10853	364	1	factors	factor	NOUN
ejge-10853	364	2	explaining	explain	VERB
ejge-10853	364	3	the	the	DET
ejge-10853	364	4	profitability	profitability	NOUN
ejge-10853	364	5	of	of	ADP
ejge-10853	364	6	the	the	DET
ejge-10853	364	7	banking	banking	NOUN
ejge-10853	364	8	sector	sector	NOUN
ejge-10853	364	9	:	:	PUNCT
ejge-10853	364	10	empirical	empirical	ADJ
ejge-10853	364	11	evidence	evidence	NOUN
ejge-10853	364	12	in	in	ADP
ejge-10853	364	13	portugal	portugal	PROPN
ejge-10853	364	14	.	.	PUNCT
ejge-10853	365	1	estudos	estudos	PROPN
ejge-10853	365	2	do	do	VERB
ejge-10853	365	3	isca	isca	PROPN
ejge-10853	365	4	,	,	PUNCT
ejge-10853	365	5	iv(13	iv(13	NOUN
ejge-10853	365	6	)	)	PUNCT
ejge-10853	365	7	,	,	PUNCT
ejge-10853	365	8	1	1	NUM
ejge-10853	365	9	-	-	SYM
ejge-10853	365	10	11	11	NUM
ejge-10853	365	11	.	.	PUNCT
ejge-10853	366	1	https://doi.org/10.34624/ei.v0i13.4729	https://doi.org/10.34624/ei.v0i13.4729	PROPN
ejge-10853	366	2	chukwuogor	chukwuogor	PROPN
ejge-10853	366	3	,	,	PUNCT
ejge-10853	366	4	c.	c.	PROPN
ejge-10853	366	5	,	,	PUNCT
ejge-10853	366	6	anoruo	anoruo	NOUN
ejge-10853	366	7	,	,	PUNCT
ejge-10853	366	8	e.	e.	PROPN
ejge-10853	366	9	,	,	PUNCT
ejge-10853	366	10	&	&	CCONJ
ejge-10853	366	11	ndu	ndu	PROPN
ejge-10853	366	12	,	,	PUNCT
ejge-10853	366	13	i.	i.	PROPN
ejge-10853	366	14	(	(	PUNCT
ejge-10853	366	15	2021	2021	NUM
ejge-10853	366	16	)	)	PUNCT
ejge-10853	366	17	.	.	PUNCT
ejge-10853	367	1	an	an	DET
ejge-10853	367	2	empirical	empirical	ADJ
ejge-10853	367	3	analysis	analysis	NOUN
ejge-10853	367	4	of	of	ADP
ejge-10853	367	5	the	the	DET
ejge-10853	367	6	determinants	determinant	NOUN
ejge-10853	367	7	of	of	ADP
ejge-10853	367	8	the	the	DET
ejge-10853	367	9	u.s	u.s	PROPN
ejge-10853	367	10	.	.	PROPN
ejge-10853	367	11	banks	bank	NOUN
ejge-10853	367	12	'	'	PART
ejge-10853	367	13	profitability	profitability	NOUN
ejge-10853	367	14	.	.	PUNCT
ejge-10853	368	1	banks	bank	NOUN
ejge-10853	368	2	and	and	CCONJ
ejge-10853	368	3	bank	bank	NOUN
ejge-10853	368	4	systems	system	NOUN
ejge-10853	368	5	,	,	PUNCT
ejge-10853	368	6	16(4	16(4	NUM
ejge-10853	368	7	)	)	PUNCT
ejge-10853	368	8	,	,	PUNCT
ejge-10853	368	9	209	209	NUM
ejge-10853	368	10	-	-	SYM
ejge-10853	368	11	217	217	NUM
ejge-10853	368	12	.	.	PUNCT
ejge-10853	369	1	https://doi.org/10.21511/bbs.16(4).2021.17	https://doi.org/10.21511/bbs.16(4).2021.17	PROPN
ejge-10853	369	2	dogan	dogan	PROPN
ejge-10853	369	3	,	,	PUNCT
ejge-10853	369	4	m.	m.	NOUN
ejge-10853	369	5	,	,	PUNCT
ejge-10853	369	6	&	&	CCONJ
ejge-10853	369	7	yildiz	yildiz	PROPN
ejge-10853	369	8	,	,	PUNCT
ejge-10853	369	9	f.	f.	PROPN
ejge-10853	369	10	(	(	PUNCT
ejge-10853	369	11	2022	2022	NUM
ejge-10853	369	12	)	)	PUNCT
ejge-10853	369	13	.	.	PUNCT
ejge-10853	370	1	testing	test	VERB
ejge-10853	370	2	the	the	DET
ejge-10853	370	3	factors	factor	NOUN
ejge-10853	370	4	that	that	PRON
ejge-10853	370	5	determine	determine	VERB
ejge-10853	370	6	the	the	DET
ejge-10853	370	7	profitability	profitability	NOUN
ejge-10853	370	8	of	of	ADP
ejge-10853	370	9	banks	bank	NOUN
ejge-10853	370	10	with	with	ADP
ejge-10853	370	11	a	a	DET
ejge-10853	370	12	dynamic	dynamic	ADJ
ejge-10853	370	13	approach	approach	NOUN
ejge-10853	370	14	:	:	PUNCT
ejge-10853	370	15	evidence	evidence	NOUN
ejge-10853	370	16	from	from	ADP
ejge-10853	370	17	turkey	turkey	PROPN
ejge-10853	370	18	.	.	PUNCT
ejge-10853	371	1	theoretical	theoretical	ADJ
ejge-10853	371	2	and	and	CCONJ
ejge-10853	371	3	applied	apply	VERB
ejge-10853	371	4	economics	economic	NOUN
ejge-10853	371	5	,	,	PUNCT
ejge-10853	371	6	xxix(1	xxix(1	PROPN
ejge-10853	371	7	)	)	PUNCT
ejge-10853	371	8	,	,	PUNCT
ejge-10853	371	9	215	215	NUM
ejge-10853	371	10	-	-	SYM
ejge-10853	371	11	232	232	NUM
ejge-10853	371	12	.	.	PUNCT
ejge-10853	372	1	https://doi.org/10.2478/jcbtp-2023-0010	https://doi.org/10.2478/jcbtp-2023-0010	PROPN
ejge-10853	372	2	european	european	ADJ
ejge-10853	372	3	central	central	PROPN
ejge-10853	372	4	bank	bank	NOUN
ejge-10853	372	5	.	.	PUNCT
ejge-10853	373	1	(	(	PUNCT
ejge-10853	373	2	2024	2024	NUM
ejge-10853	373	3	)	)	PUNCT
ejge-10853	373	4	.	.	PUNCT
ejge-10853	374	1	overview	overview	NOUN
ejge-10853	374	2	of	of	ADP
ejge-10853	374	3	monetary	monetary	ADJ
ejge-10853	374	4	policy	policy	NOUN
ejge-10853	374	5	and	and	CCONJ
ejge-10853	374	6	markets	market	NOUN
ejge-10853	374	7	.	.	PUNCT
ejge-10853	375	1	monetary	monetary	ADJ
ejge-10853	375	2	policy	policy	NOUN
ejge-10853	375	3	&	&	CCONJ
ejge-10853	375	4	markets	market	NOUN
ejge-10853	375	5	.	.	PUNCT
ejge-10853	376	1	https://www.ecb.europa.eu/mopo/html/index.en.html	https://www.ecb.europa.eu/mopo/html/index.en.html	X
ejge-10853	376	2	fox	fox	PROPN
ejge-10853	376	3	,	,	PUNCT
ejge-10853	376	4	j.	j.	PROPN
ejge-10853	376	5	,	,	PUNCT
ejge-10853	376	6	&	&	CCONJ
ejge-10853	376	7	monette	monette	PROPN
ejge-10853	376	8	,	,	PUNCT
ejge-10853	376	9	g.	g.	PROPN
ejge-10853	376	10	(	(	PUNCT
ejge-10853	376	11	1992	1992	NUM
ejge-10853	376	12	)	)	PUNCT
ejge-10853	376	13	.	.	PUNCT
ejge-10853	377	1	generalized	generalize	VERB
ejge-10853	377	2	collinearity	collinearity	NOUN
ejge-10853	377	3	diagnostics	diagnostic	NOUN
ejge-10853	377	4	.	.	PUNCT
ejge-10853	378	1	journal	journal	NOUN
ejge-10853	378	2	of	of	ADP
ejge-10853	378	3	the	the	DET
ejge-10853	378	4	american	american	PROPN
ejge-10853	378	5	statistical	statistical	PROPN
ejge-10853	378	6	association	association	NOUN
ejge-10853	378	7	,	,	PUNCT
ejge-10853	378	8	87	87	NUM
ejge-10853	378	9	,	,	PUNCT
ejge-10853	378	10	178	178	NUM
ejge-10853	378	11	-	-	SYM
ejge-10853	378	12	183	183	NUM
ejge-10853	378	13	.	.	PUNCT
ejge-10853	379	1	https://doi.org/10.1080/01621459.1992.10475190	https://doi.org/10.1080/01621459.1992.10475190	PROPN
ejge-10853	379	2	haddad	haddad	PROPN
ejge-10853	379	3	,	,	PUNCT
ejge-10853	379	4	h.	h.	PROPN
ejge-10853	379	5	,	,	PUNCT
ejge-10853	379	6	al	al	PROPN
ejge-10853	379	7	-	-	PUNCT
ejge-10853	379	8	qudah	qudah	PROPN
ejge-10853	379	9	,	,	PUNCT
ejge-10853	379	10	l.	l.	PROPN
ejge-10853	379	11	,	,	PUNCT
ejge-10853	379	12	almansour	almansour	PROPN
ejge-10853	379	13	,	,	PUNCT
ejge-10853	379	14	b.	b.	PROPN
ejge-10853	379	15	,	,	PUNCT
ejge-10853	379	16	&	&	CCONJ
ejge-10853	379	17	rumman	rumman	NOUN
ejge-10853	379	18	,	,	PUNCT
ejge-10853	379	19	n.	n.	NOUN
ejge-10853	379	20	(	(	PUNCT
ejge-10853	379	21	2019	2019	NUM
ejge-10853	379	22	)	)	PUNCT
ejge-10853	379	23	.	.	PUNCT
ejge-10853	380	1	bank	bank	NOUN
ejge-10853	380	2	specific	specific	ADJ
ejge-10853	380	3	and	and	CCONJ
ejge-10853	380	4	macroeconomic	macroeconomic	ADJ
ejge-10853	380	5	determinants	determinant	NOUN
ejge-10853	380	6	of	of	ADP
ejge-10853	380	7	commercial	commercial	ADJ
ejge-10853	380	8	bank	bank	NOUN
ejge-10853	380	9	profitability	profitability	NOUN
ejge-10853	380	10	in	in	ADP
ejge-10853	380	11	jordan	jordan	PROPN
ejge-10853	380	12	from	from	ADP
ejge-10853	380	13	2009–2019	2009–2019	NUM
ejge-10853	380	14	.	.	PUNCT
ejge-10853	381	1	montenegrin	montenegrin	PROPN
ejge-10853	381	2	journal	journal	PROPN
ejge-10853	381	3	of	of	ADP
ejge-10853	381	4	economics	economic	NOUN
ejge-10853	381	5	,	,	PUNCT
ejge-10853	381	6	18(4	18(4	NUM
ejge-10853	381	7	)	)	PUNCT
ejge-10853	381	8	,	,	PUNCT
ejge-10853	381	9	155	155	NUM
ejge-10853	381	10	-	-	SYM
ejge-10853	381	11	166	166	NUM
ejge-10853	381	12	.	.	PUNCT
ejge-10853	382	1	https://doi.org/10.14254/1800-5845/2022.18-4.13	https://doi.org/10.14254/1800-5845/2022.18-4.13	X
ejge-10853	382	2	ho	ho	PROPN
ejge-10853	382	3	,	,	PUNCT
ejge-10853	382	4	t.	t.	PROPN
ejge-10853	382	5	h.	h.	PROPN
ejge-10853	382	6	,	,	PUNCT
ejge-10853	382	7	nguyen	nguyen	PROPN
ejge-10853	382	8	,	,	PUNCT
ejge-10853	382	9	d.	d.	PROPN
ejge-10853	382	10	t.	t.	PROPN
ejge-10853	382	11	,	,	PUNCT
ejge-10853	382	12	luu	luu	PROPN
ejge-10853	382	13	,	,	PUNCT
ejge-10853	382	14	t.	t.	PROPN
ejge-10853	382	15	b.	b.	PROPN
ejge-10853	382	16	,	,	PUNCT
ejge-10853	382	17	le	le	X
ejge-10853	382	18	,	,	PUNCT
ejge-10853	382	19	t.	t.	PROPN
ejge-10853	382	20	d.	d.	PROPN
ejge-10853	382	21	,	,	PUNCT
ejge-10853	382	22	&	&	CCONJ
ejge-10853	382	23	ngo	ngo	PROPN
ejge-10853	382	24	,	,	PUNCT
ejge-10853	382	25	t.	t.	PROPN
ejge-10853	382	26	d.	d.	PROPN
ejge-10853	382	27	(	(	PUNCT
ejge-10853	382	28	2023	2023	NUM
ejge-10853	382	29	)	)	PUNCT
ejge-10853	382	30	.	.	PUNCT
ejge-10853	383	1	bank	bank	NOUN
ejge-10853	383	2	performance	performance	NOUN
ejge-10853	383	3	during	during	ADP
ejge-10853	383	4	the	the	DET
ejge-10853	383	5	covid-19	covid-19	PROPN
ejge-10853	383	6	pandemic	pandemic	NOUN
ejge-10853	383	7	:	:	PUNCT
ejge-10853	383	8	does	do	AUX
ejge-10853	383	9	income	income	NOUN
ejge-10853	383	10	diversification	diversification	NOUN
ejge-10853	383	11	help	help	NOUN
ejge-10853	383	12	?	?	PUNCT
ejge-10853	384	1	journal	journal	NOUN
ejge-10853	384	2	of	of	ADP
ejge-10853	384	3	applied	apply	VERB
ejge-10853	384	4	economics	economic	NOUN
ejge-10853	384	5	,	,	PUNCT
ejge-10853	384	6	26(1	26(1	NUM
ejge-10853	384	7	)	)	PUNCT
ejge-10853	384	8	,	,	PUNCT
ejge-10853	384	9	1	1	NUM
ejge-10853	384	10	-	-	SYM
ejge-10853	384	11	22	22	NUM
ejge-10853	384	12	.	.	PUNCT
ejge-10853	385	1	https://doi.org/10.1080/15140326.2023.2222964	https://doi.org/10.1080/15140326.2023.2222964	PROPN
ejge-10853	385	2	https://doi.org/10.1080/23311975.2023.2257829	https://doi.org/10.1080/23311975.2023.2257829	PROPN
ejge-10853	386	1	https://doi.org/10.1186/s43093-023-00247-8	https://doi.org/10.1186/s43093-023-00247-8	NUM
ejge-10853	386	2	https://bpstat.bportugal.pt/	https://bpstat.bportugal.pt/	NOUN
ejge-10853	386	3	https://bpstat.bportugal.pt/	https://bpstat.bportugal.pt/	VERB
ejge-10853	386	4	https://doi.org/10.5089/9781498346498.001	https://doi.org/10.5089/9781498346498.001	PRON
ejge-10853	386	5	https://doi.org/10.17979/ejge.2021.10.1.7083	https://doi.org/10.17979/ejge.2021.10.1.7083	PUNCT
ejge-10853	387	1	https://doi.org/10.2307/1911963	https://doi.org/10.2307/1911963	VERB
ejge-10853	388	1	https://doi.org/10.34624/ei.v0i13.4729	https://doi.org/10.34624/ei.v0i13.4729	PROPN
ejge-10853	388	2	https://doi.org/10.21511/bbs.16(4).2021.17	https://doi.org/10.21511/bbs.16(4).2021.17	X
ejge-10853	388	3	https://doi.org/10.2478/jcbtp-2023-0010	https://doi.org/10.2478/jcbtp-2023-0010	PROPN
ejge-10853	388	4	https://www.ecb.europa.eu/mopo/html/index.en.html	https://www.ecb.europa.eu/mopo/html/index.en.html	PUNCT
ejge-10853	388	5	https://doi.org/10.1080/01621459.1992.10475190	https://doi.org/10.1080/01621459.1992.10475190	NUM
ejge-10853	389	1	https://doi.org/10.14254/1800-5845/2022.18-4.13	https://doi.org/10.14254/1800-5845/2022.18-4.13	NUM
ejge-10853	389	2	https://doi.org/10.1080/15140326.2023.2222964	https://doi.org/10.1080/15140326.2023.2222964	PROPN
ejge-10853	389	3	134	134	NUM
ejge-10853	389	4	pires	pire	NOUN
ejge-10853	390	1	et	et	PROPN
ejge-10853	390	2	al	al	PROPN
ejge-10853	390	3	.	.	PROPN
ejge-10853	390	4	jadah	jadah	PROPN
ejge-10853	390	5	,	,	PUNCT
ejge-10853	390	6	h.	h.	PROPN
ejge-10853	390	7	m.	m.	PROPN
ejge-10853	390	8	,	,	PUNCT
ejge-10853	390	9	alghanimi	alghanimi	PROPN
ejge-10853	390	10	,	,	PUNCT
ejge-10853	390	11	m.	m.	PROPN
ejge-10853	390	12	h.	h.	PROPN
ejge-10853	390	13	,	,	PUNCT
ejge-10853	390	14	al	al	PROPN
ejge-10853	390	15	-	-	PUNCT
ejge-10853	390	16	dahaan	dahaan	PROPN
ejge-10853	390	17	,	,	PUNCT
ejge-10853	390	18	n.	n.	PROPN
ejge-10853	390	19	s.	s.	PROPN
ejge-10853	390	20	,	,	PUNCT
ejge-10853	390	21	&	&	CCONJ
ejge-10853	390	22	al	al	PROPN
ejge-10853	390	23	-	-	PUNCT
ejge-10853	390	24	husainy	husainy	PROPN
ejge-10853	390	25	,	,	PUNCT
ejge-10853	390	26	n.	n.	PROPN
ejge-10853	390	27	h.	h.	PROPN
ejge-10853	390	28	(	(	PUNCT
ejge-10853	390	29	2020	2020	NUM
ejge-10853	390	30	)	)	PUNCT
ejge-10853	390	31	.	.	PUNCT
ejge-10853	391	1	internal	internal	ADJ
ejge-10853	391	2	and	and	CCONJ
ejge-10853	391	3	external	external	ADJ
ejge-10853	391	4	determinants	determinant	NOUN
ejge-10853	391	5	of	of	ADP
ejge-10853	391	6	iraqi	iraqi	ADJ
ejge-10853	391	7	bank	bank	NOUN
ejge-10853	391	8	profitability	profitability	NOUN
ejge-10853	391	9	.	.	PUNCT
ejge-10853	392	1	banks	bank	NOUN
ejge-10853	392	2	and	and	CCONJ
ejge-10853	392	3	bank	bank	NOUN
ejge-10853	392	4	systems	system	NOUN
ejge-10853	392	5	,	,	PUNCT
ejge-10853	392	6	15(2	15(2	NUM
ejge-10853	392	7	)	)	PUNCT
ejge-10853	392	8	,	,	PUNCT
ejge-10853	392	9	79	79	NUM
ejge-10853	392	10	-	-	SYM
ejge-10853	392	11	93	93	NUM
ejge-10853	392	12	.	.	PUNCT
ejge-10853	393	1	https://doi.org/10.21511/bbs.15(2).2020.08	https://doi.org/10.21511/bbs.15(2).2020.08	X
ejge-10853	393	2	jílková	jílková	PROPN
ejge-10853	393	3	,	,	PUNCT
ejge-10853	393	4	p.	p.	PROPN
ejge-10853	393	5	,	,	PUNCT
ejge-10853	393	6	&	&	CCONJ
ejge-10853	393	7	kotěšovcová	kotěšovcová	PROPN
ejge-10853	393	8	,	,	PUNCT
ejge-10853	393	9	j.	j.	PROPN
ejge-10853	393	10	(	(	PUNCT
ejge-10853	393	11	2022	2022	NUM
ejge-10853	393	12	)	)	PUNCT
ejge-10853	393	13	.	.	PUNCT
ejge-10853	394	1	profitability	profitability	NOUN
ejge-10853	394	2	management	management	NOUN
ejge-10853	394	3	:	:	PUNCT
ejge-10853	394	4	how	how	SCONJ
ejge-10853	394	5	can	can	AUX
ejge-10853	394	6	macro	macro	VERB
ejge-10853	394	7	and	and	CCONJ
ejge-10853	394	8	microeconomic	microeconomic	ADJ
ejge-10853	394	9	determinants	determinant	NOUN
ejge-10853	394	10	influence	influence	VERB
ejge-10853	394	11	commercial	commercial	ADJ
ejge-10853	394	12	bank	bank	NOUN
ejge-10853	394	13	profitability	profitability	NOUN
ejge-10853	394	14	in	in	ADP
ejge-10853	394	15	the	the	DET
ejge-10853	394	16	eu-27	eu-27	NOUN
ejge-10853	394	17	?	?	PUNCT
ejge-10853	395	1	tem	tem	PROPN
ejge-10853	395	2	journal	journal	NOUN
ejge-10853	395	3	,	,	PUNCT
ejge-10853	395	4	11(3	11(3	NUM
ejge-10853	395	5	)	)	PUNCT
ejge-10853	395	6	,	,	PUNCT
ejge-10853	395	7	13001307	13001307	NUM
ejge-10853	395	8	.	.	PUNCT
ejge-10853	396	1	https://doi.org/10.18421/tem113-39	https://doi.org/10.18421/tem113-39	PROPN
ejge-10853	396	2	kasanaa	kasanaa	PROPN
ejge-10853	396	3	,	,	PUNCT
ejge-10853	396	4	e.	e.	PROPN
ejge-10853	396	5	,	,	PUNCT
ejge-10853	396	6	chauhanb	chauhanb	PROPN
ejge-10853	396	7	,	,	PUNCT
ejge-10853	396	8	k.	k.	PROPN
ejge-10853	396	9	,	,	PUNCT
ejge-10853	396	10	&	&	CCONJ
ejge-10853	396	11	sahoo	sahoo	PROPN
ejge-10853	396	12	,	,	PUNCT
ejge-10853	396	13	b.	b.	PROPN
ejge-10853	396	14	p.	p.	PROPN
ejge-10853	396	15	(	(	PUNCT
ejge-10853	396	16	2023	2023	NUM
ejge-10853	396	17	)	)	PUNCT
ejge-10853	396	18	.	.	PUNCT
ejge-10853	397	1	policy	policy	NOUN
ejge-10853	397	2	interest	interest	NOUN
ejge-10853	397	3	rate	rate	NOUN
ejge-10853	397	4	and	and	CCONJ
ejge-10853	397	5	bank	bank	NOUN
ejge-10853	397	6	profitability	profitability	NOUN
ejge-10853	397	7	—	—	PUNCT
ejge-10853	397	8	scheduled	schedule	VERB
ejge-10853	397	9	commercial	commercial	ADJ
ejge-10853	397	10	banks	bank	NOUN
ejge-10853	397	11	in	in	ADP
ejge-10853	397	12	india	india	PROPN
ejge-10853	397	13	.	.	PUNCT
ejge-10853	398	1	financial	financial	ADJ
ejge-10853	398	2	markets	market	NOUN
ejge-10853	398	3	and	and	CCONJ
ejge-10853	398	4	banks	bank	NOUN
ejge-10853	398	5	,	,	PUNCT
ejge-10853	398	6	27(1	27(1	NUM
ejge-10853	398	7	)	)	PUNCT
ejge-10853	398	8	,	,	PUNCT
ejge-10853	398	9	138	138	NUM
ejge-10853	398	10	-	-	SYM
ejge-10853	398	11	149	149	NUM
ejge-10853	398	12	.	.	PUNCT
ejge-10853	399	1	https://doi.org/10.26794/2587-5671-2023-27-1-138-149	https://doi.org/10.26794/2587-5671-2023-27-1-138-149	PROPN
ejge-10853	399	2	koenker	koenker	NOUN
ejge-10853	399	3	,	,	PUNCT
ejge-10853	399	4	r.	r.	PROPN
ejge-10853	399	5	(	(	PUNCT
ejge-10853	399	6	1981	1981	NUM
ejge-10853	399	7	)	)	PUNCT
ejge-10853	399	8	.	.	PUNCT
ejge-10853	400	1	a	a	DET
ejge-10853	400	2	note	note	NOUN
ejge-10853	400	3	on	on	ADP
ejge-10853	400	4	studentizing	studentize	VERB
ejge-10853	400	5	a	a	DET
ejge-10853	400	6	test	test	NOUN
ejge-10853	400	7	for	for	ADP
ejge-10853	400	8	heteroscedasticity	heteroscedasticity	PROPN
ejge-10853	400	9	.	.	PUNCT
ejge-10853	401	1	journal	journal	PROPN
ejge-10853	401	2	of	of	ADP
ejge-10853	401	3	econometrics	econometric	NOUN
ejge-10853	401	4	,	,	PUNCT
ejge-10853	401	5	17(1	17(1	NUM
ejge-10853	401	6	)	)	PUNCT
ejge-10853	401	7	,	,	PUNCT
ejge-10853	401	8	107	107	NUM
ejge-10853	401	9	-	-	SYM
ejge-10853	401	10	112	112	NUM
ejge-10853	401	11	.	.	PUNCT
ejge-10853	402	1	https://doi.org/10.1016/0304-4076(81)90062-2	https://doi.org/10.1016/0304-4076(81)90062-2	PROPN
ejge-10853	402	2	kotte	kotte	PROPN
ejge-10853	402	3	,	,	PUNCT
ejge-10853	402	4	s.	s.	PROPN
ejge-10853	402	5	,	,	PUNCT
ejge-10853	402	6	reddy	reddy	PROPN
ejge-10853	402	7	,	,	PUNCT
ejge-10853	402	8	i.	i.	PROPN
ejge-10853	402	9	l.	l.	PROPN
ejge-10853	402	10	,	,	PUNCT
ejge-10853	402	11	&	&	CCONJ
ejge-10853	402	12	bolagani	bolagani	PROPN
ejge-10853	402	13	,	,	PUNCT
ejge-10853	402	14	s.	s.	PROPN
ejge-10853	402	15	(	(	PUNCT
ejge-10853	402	16	2022	2022	NUM
ejge-10853	402	17	)	)	PUNCT
ejge-10853	402	18	.	.	PUNCT
ejge-10853	403	1	influence	influence	NOUN
ejge-10853	403	2	of	of	ADP
ejge-10853	403	3	bank	bank	NOUN
ejge-10853	403	4	-	-	PUNCT
ejge-10853	403	5	specific	specific	ADJ
ejge-10853	403	6	and	and	CCONJ
ejge-10853	403	7	macroeconomic	macroeconomic	ADJ
ejge-10853	403	8	factors	factor	NOUN
ejge-10853	403	9	on	on	ADP
ejge-10853	403	10	the	the	DET
ejge-10853	403	11	profitability	profitability	NOUN
ejge-10853	403	12	of	of	ADP
ejge-10853	403	13	indian	indian	ADJ
ejge-10853	403	14	commercial	commercial	ADJ
ejge-10853	403	15	banks	bank	NOUN
ejge-10853	403	16	.	.	PUNCT
ejge-10853	404	1	the	the	DET
ejge-10853	404	2	iup	iup	PROPN
ejge-10853	404	3	journal	journal	NOUN
ejge-10853	404	4	of	of	ADP
ejge-10853	404	5	applied	apply	VERB
ejge-10853	404	6	economics	economic	NOUN
ejge-10853	404	7	,	,	PUNCT
ejge-10853	404	8	21(4	21(4	NUM
ejge-10853	404	9	)	)	PUNCT
ejge-10853	404	10	,	,	PUNCT
ejge-10853	404	11	59	59	NUM
ejge-10853	404	12	-	-	SYM
ejge-10853	404	13	76	76	NUM
ejge-10853	404	14	.	.	PUNCT
ejge-10853	405	1	kozak	kozak	PROPN
ejge-10853	405	2	,	,	PUNCT
ejge-10853	405	3	s.	s.	PROPN
ejge-10853	405	4	,	,	PUNCT
ejge-10853	405	5	&	&	CCONJ
ejge-10853	405	6	wierzbowska	wierzbowska	PROPN
ejge-10853	405	7	,	,	PUNCT
ejge-10853	405	8	a.	a.	NOUN
ejge-10853	405	9	(	(	PUNCT
ejge-10853	405	10	2022	2022	NUM
ejge-10853	405	11	)	)	PUNCT
ejge-10853	405	12	.	.	PUNCT
ejge-10853	406	1	did	do	AUX
ejge-10853	406	2	the	the	DET
ejge-10853	406	3	covid-19	covid-19	PROPN
ejge-10853	406	4	pandemic	pandemic	NOUN
ejge-10853	406	5	amplify	amplify	VERB
ejge-10853	406	6	the	the	DET
ejge-10853	406	7	positive	positive	ADJ
ejge-10853	406	8	impact	impact	NOUN
ejge-10853	406	9	of	of	ADP
ejge-10853	406	10	income	income	NOUN
ejge-10853	406	11	diversification	diversification	NOUN
ejge-10853	406	12	on	on	ADP
ejge-10853	406	13	the	the	DET
ejge-10853	406	14	profitability	profitability	NOUN
ejge-10853	406	15	of	of	ADP
ejge-10853	406	16	european	european	ADJ
ejge-10853	406	17	banks	bank	NOUN
ejge-10853	406	18	?	?	PUNCT
ejge-10853	407	1	equilibrium	equilibrium	NOUN
ejge-10853	407	2	quarterly	quarterly	ADJ
ejge-10853	407	3	journal	journal	NOUN
ejge-10853	407	4	of	of	ADP
ejge-10853	407	5	economics	economic	NOUN
ejge-10853	407	6	and	and	CCONJ
ejge-10853	407	7	economic	economic	ADJ
ejge-10853	407	8	policy	policy	NOUN
ejge-10853	407	9	,	,	PUNCT
ejge-10853	407	10	17(1	17(1	NUM
ejge-10853	407	11	)	)	PUNCT
ejge-10853	407	12	,	,	PUNCT
ejge-10853	407	13	11	11	NUM
ejge-10853	407	14	-	-	SYM
ejge-10853	407	15	29	29	NUM
ejge-10853	407	16	.	.	PUNCT
ejge-10853	408	1	https://doi.org/10.24136/eq.2022.001	https://doi.org/10.24136/eq.2022.001	PROPN
ejge-10853	408	2	lamothe	lamothe	PROPN
ejge-10853	408	3	,	,	PUNCT
ejge-10853	408	4	p.	p.	PROPN
ejge-10853	408	5	,	,	PUNCT
ejge-10853	408	6	delgado	delgado	PROPN
ejge-10853	408	7	,	,	PUNCT
ejge-10853	408	8	e.	e.	PROPN
ejge-10853	408	9	,	,	PUNCT
ejge-10853	408	10	solano	solano	PROPN
ejge-10853	408	11	,	,	PUNCT
ejge-10853	408	12	m.	m.	NOUN
ejge-10853	408	13	a.	a.	PROPN
ejge-10853	408	14	,	,	PUNCT
ejge-10853	408	15	&	&	CCONJ
ejge-10853	408	16	fernández	fernández	PROPN
ejge-10853	408	17	,	,	PUNCT
ejge-10853	408	18	s.	s.	PROPN
ejge-10853	408	19	m.	m.	PROPN
ejge-10853	408	20	(	(	PUNCT
ejge-10853	408	21	2024	2024	NUM
ejge-10853	408	22	)	)	PUNCT
ejge-10853	408	23	.	.	PUNCT
ejge-10853	409	1	a	a	DET
ejge-10853	409	2	global	global	ADJ
ejge-10853	409	3	analysis	analysis	NOUN
ejge-10853	409	4	of	of	ADP
ejge-10853	409	5	bank	bank	NOUN
ejge-10853	409	6	profitability	profitability	NOUN
ejge-10853	409	7	factors	factor	NOUN
ejge-10853	409	8	.	.	PUNCT
ejge-10853	410	1	humanities	humanity	NOUN
ejge-10853	410	2	&	&	CCONJ
ejge-10853	410	3	social	social	PROPN
ejge-10853	410	4	sciences	sciences	PROPN
ejge-10853	410	5	communications	communication	NOUN
ejge-10853	410	6	,	,	PUNCT
ejge-10853	410	7	11(124	11(124	NOUN
ejge-10853	410	8	)	)	PUNCT
ejge-10853	410	9	,	,	PUNCT
ejge-10853	410	10	1	1	NUM
ejge-10853	410	11	-	-	SYM
ejge-10853	410	12	12	12	NUM
ejge-10853	410	13	.	.	PUNCT
ejge-10853	411	1	https://doi.org/10.1057/s41599-023-02545-6	https://doi.org/10.1057/s41599-023-02545-6	PROPN
ejge-10853	411	2	lekpek	lekpek	NOUN
ejge-10853	411	3	,	,	PUNCT
ejge-10853	411	4	a.	a.	NOUN
ejge-10853	411	5	,	,	PUNCT
ejge-10853	411	6	&	&	CCONJ
ejge-10853	411	7	šabotić	šabotić	PROPN
ejge-10853	411	8	,	,	PUNCT
ejge-10853	411	9	z.	z.	PROPN
ejge-10853	411	10	(	(	PUNCT
ejge-10853	411	11	2023	2023	NUM
ejge-10853	411	12	)	)	PUNCT
ejge-10853	411	13	.	.	PUNCT
ejge-10853	412	1	the	the	DET
ejge-10853	412	2	impact	impact	NOUN
ejge-10853	412	3	of	of	ADP
ejge-10853	412	4	economic	economic	ADJ
ejge-10853	412	5	trends	trend	NOUN
ejge-10853	412	6	on	on	ADP
ejge-10853	412	7	bank	bank	NOUN
ejge-10853	412	8	profitability	profitability	NOUN
ejge-10853	412	9	:	:	PUNCT
ejge-10853	412	10	the	the	DET
ejge-10853	412	11	case	case	NOUN
ejge-10853	412	12	of	of	ADP
ejge-10853	412	13	serbia	serbia	PROPN
ejge-10853	412	14	and	and	CCONJ
ejge-10853	412	15	croatia	croatia	PROPN
ejge-10853	412	16	.	.	PUNCT
ejge-10853	413	1	teme	teme	PROPN
ejge-10853	413	2	,	,	PUNCT
ejge-10853	413	3	xlvii(2	xlvii(2	PROPN
ejge-10853	413	4	)	)	PUNCT
ejge-10853	413	5	,	,	PUNCT
ejge-10853	413	6	317	317	NUM
ejge-10853	413	7	-	-	SYM
ejge-10853	413	8	336	336	NUM
ejge-10853	413	9	.	.	PUNCT
ejge-10853	414	1	https://doi.org/10.22190/teme210614021l	https://doi.org/10.22190/teme210614021l	NOUN
ejge-10853	414	2	martinho	martinho	PROPN
ejge-10853	414	3	,	,	PUNCT
ejge-10853	414	4	r.	r.	PROPN
ejge-10853	414	5	,	,	PUNCT
ejge-10853	414	6	oliveira	oliveira	PROPN
ejge-10853	414	7	,	,	PUNCT
ejge-10853	414	8	j.	j.	PROPN
ejge-10853	414	9	,	,	PUNCT
ejge-10853	414	10	&	&	CCONJ
ejge-10853	414	11	oliveira	oliveira	PROPN
ejge-10853	414	12	,	,	PUNCT
ejge-10853	414	13	v.	v.	PROPN
ejge-10853	414	14	(	(	PUNCT
ejge-10853	414	15	2024	2024	NUM
ejge-10853	414	16	)	)	PUNCT
ejge-10853	414	17	.	.	PUNCT
ejge-10853	415	1	bank	bank	NOUN
ejge-10853	415	2	profitability	profitability	NOUN
ejge-10853	415	3	and	and	CCONJ
ejge-10853	415	4	macroeconomic	macroeconomic	ADJ
ejge-10853	415	5	factors	factor	NOUN
ejge-10853	415	6	.	.	PUNCT
ejge-10853	416	1	banco	banco	PROPN
ejge-10853	416	2	de	de	PROPN
ejge-10853	416	3	portugal	portugal	PROPN
ejge-10853	416	4	.	.	PUNCT
ejge-10853	417	1	https://www.bportugal.pt/en/paper/bank-profitability-and-macroeconomic-factors	https://www.bportugal.pt/en/paper/bank-profitability-and-macroeconomic-factor	NOUN
ejge-10853	417	2	mashamba	mashamba	ADJ
ejge-10853	417	3	,	,	PUNCT
ejge-10853	417	4	t.	t.	PROPN
ejge-10853	417	5	,	,	PUNCT
ejge-10853	417	6	&	&	CCONJ
ejge-10853	417	7	chikutuma	chikutuma	PROPN
ejge-10853	417	8	,	,	PUNCT
ejge-10853	417	9	c.	c.	PROPN
ejge-10853	417	10	n.	n.	PROPN
ejge-10853	417	11	(	(	PUNCT
ejge-10853	417	12	2023	2023	NUM
ejge-10853	417	13	)	)	PUNCT
ejge-10853	417	14	.	.	PUNCT
ejge-10853	418	1	determinants	determinant	NOUN
ejge-10853	418	2	of	of	ADP
ejge-10853	418	3	bank	bank	NOUN
ejge-10853	418	4	profitability	profitability	NOUN
ejge-10853	418	5	:	:	PUNCT
ejge-10853	418	6	evidence	evidence	NOUN
ejge-10853	418	7	from	from	ADP
ejge-10853	418	8	the	the	DET
ejge-10853	418	9	emerging	emerge	VERB
ejge-10853	418	10	economy	economy	NOUN
ejge-10853	418	11	.	.	PUNCT
ejge-10853	419	1	corporate	corporate	ADJ
ejge-10853	419	2	&	&	CCONJ
ejge-10853	419	3	business	business	PROPN
ejge-10853	419	4	strategy	strategy	PROPN
ejge-10853	419	5	review	review	PROPN
ejge-10853	419	6	,	,	PUNCT
ejge-10853	419	7	4(4	4(4	NUM
ejge-10853	419	8	)	)	PUNCT
ejge-10853	419	9	,	,	PUNCT
ejge-10853	419	10	310	310	NUM
ejge-10853	419	11	-	-	SYM
ejge-10853	419	12	323	323	NUM
ejge-10853	419	13	.	.	PUNCT
ejge-10853	420	1	https://doi.org/10.22495/cbsrv4i4siart12	https://doi.org/10.22495/cbsrv4i4siart12	PROPN
ejge-10853	420	2	mota	mota	PROPN
ejge-10853	420	3	,	,	PUNCT
ejge-10853	420	4	c.	c.	PROPN
ejge-10853	420	5	,	,	PUNCT
ejge-10853	420	6	silva	silva	PROPN
ejge-10853	420	7	,	,	PUNCT
ejge-10853	420	8	e.	e.	PROPN
ejge-10853	420	9	s.	s.	PROPN
ejge-10853	420	10	,	,	PUNCT
ejge-10853	420	11	&	&	CCONJ
ejge-10853	420	12	silva	silva	PROPN
ejge-10853	420	13	,	,	PUNCT
ejge-10853	420	14	b.	b.	PROPN
ejge-10853	420	15	(	(	PUNCT
ejge-10853	420	16	2019	2019	NUM
ejge-10853	420	17	)	)	PUNCT
ejge-10853	420	18	.	.	PUNCT
ejge-10853	421	1	determinantes	determinante	VERB
ejge-10853	421	2	da	da	PROPN
ejge-10853	421	3	rentabilidade	rentabilidade	PROPN
ejge-10853	421	4	bancária	bancária	NOUN
ejge-10853	421	5	:	:	PUNCT
ejge-10853	421	6	evidências	evidências	PROPN
ejge-10853	421	7	para	para	PROPN
ejge-10853	421	8	os	os	PROPN
ejge-10853	421	9	maiores	maiores	PROPN
ejge-10853	421	10	bancos	bancos	PROPN
ejge-10853	421	11	portugueses	portugueses	PROPN
ejge-10853	421	12	.	.	PUNCT
ejge-10853	422	1	european	european	PROPN
ejge-10853	422	2	journal	journal	PROPN
ejge-10853	422	3	of	of	ADP
ejge-10853	422	4	applied	apply	VERB
ejge-10853	422	5	business	business	NOUN
ejge-10853	422	6	management	management	NOUN
ejge-10853	422	7	,	,	PUNCT
ejge-10853	422	8	5(2	5(2	NUM
ejge-10853	422	9	)	)	PUNCT
ejge-10853	422	10	,	,	PUNCT
ejge-10853	422	11	78	78	NUM
ejge-10853	422	12	-	-	SYM
ejge-10853	422	13	96	96	NUM
ejge-10853	422	14	.	.	PUNCT
ejge-10853	423	1	https://doi.org/10.58869/ejabm	https://doi.org/10.58869/ejabm	PROPN
ejge-10853	423	2	neves	neve	NOUN
ejge-10853	423	3	,	,	PUNCT
ejge-10853	423	4	m.	m.	PROPN
ejge-10853	423	5	e.	e.	PROPN
ejge-10853	423	6	,	,	PUNCT
ejge-10853	423	7	proença	proença	PROPN
ejge-10853	423	8	,	,	PUNCT
ejge-10853	423	9	c.	c.	PROPN
ejge-10853	423	10	,	,	PUNCT
ejge-10853	423	11	&	&	CCONJ
ejge-10853	423	12	dias	dias	PROPN
ejge-10853	423	13	,	,	PUNCT
ejge-10853	423	14	a.	a.	NOUN
ejge-10853	423	15	(	(	PUNCT
ejge-10853	423	16	2020	2020	NUM
ejge-10853	423	17	)	)	PUNCT
ejge-10853	423	18	.	.	PUNCT
ejge-10853	424	1	bank	bank	NOUN
ejge-10853	424	2	profitability	profitability	NOUN
ejge-10853	424	3	and	and	CCONJ
ejge-10853	424	4	efficiency	efficiency	NOUN
ejge-10853	424	5	in	in	ADP
ejge-10853	424	6	portugal	portugal	PROPN
ejge-10853	424	7	and	and	CCONJ
ejge-10853	424	8	spain	spain	PROPN
ejge-10853	424	9	:	:	PUNCT
ejge-10853	424	10	a	a	DET
ejge-10853	424	11	nonlinearity	nonlinearity	NOUN
ejge-10853	424	12	approach	approach	NOUN
ejge-10853	424	13	.	.	PUNCT
ejge-10853	425	1	journal	journal	NOUN
ejge-10853	425	2	of	of	ADP
ejge-10853	425	3	risk	risk	NOUN
ejge-10853	425	4	and	and	CCONJ
ejge-10853	425	5	financial	financial	ADJ
ejge-10853	425	6	management	management	NOUN
ejge-10853	425	7	,	,	PUNCT
ejge-10853	425	8	13(284	13(284	NOUN
ejge-10853	425	9	)	)	PUNCT
ejge-10853	425	10	,	,	PUNCT
ejge-10853	425	11	1	1	NUM
ejge-10853	425	12	-	-	SYM
ejge-10853	425	13	19	19	NUM
ejge-10853	425	14	.	.	PUNCT
ejge-10853	426	1	https://doi.org/10.3390/jrfm13110284	https://doi.org/10.3390/jrfm13110284	PROPN
ejge-10853	426	2	nunes	nunes	PROPN
ejge-10853	426	3	,	,	PUNCT
ejge-10853	426	4	p.	p.	NOUN
ejge-10853	426	5	(	(	PUNCT
ejge-10853	426	6	2021	2021	NUM
ejge-10853	426	7	)	)	PUNCT
ejge-10853	426	8	.	.	PUNCT
ejge-10853	427	1	the	the	DET
ejge-10853	427	2	determinants	determinant	NOUN
ejge-10853	427	3	of	of	ADP
ejge-10853	427	4	bank	bank	NOUN
ejge-10853	427	5	profitability	profitability	NOUN
ejge-10853	427	6	:	:	PUNCT
ejge-10853	427	7	evidence	evidence	NOUN
ejge-10853	427	8	from	from	ADP
ejge-10853	427	9	portugal	portugal	PROPN
ejge-10853	427	10	[	[	X
ejge-10853	427	11	master	master	NOUN
ejge-10853	427	12	’s	’s	PART
ejge-10853	427	13	thesis	thesis	NOUN
ejge-10853	427	14	,	,	PUNCT
ejge-10853	427	15	universidade	universidade	PROPN
ejge-10853	427	16	católica	católica	PROPN
ejge-10853	427	17	portuguesa	portuguesa	PROPN
ejge-10853	427	18	]	]	PUNCT
ejge-10853	427	19	.	.	PUNCT
ejge-10853	428	1	petria	petria	PROPN
ejge-10853	428	2	,	,	PUNCT
ejge-10853	428	3	n.	n.	PROPN
ejge-10853	428	4	c.	c.	PROPN
ejge-10853	428	5	(	(	PUNCT
ejge-10853	428	6	2015	2015	NUM
ejge-10853	428	7	)	)	PUNCT
ejge-10853	428	8	.	.	PUNCT
ejge-10853	429	1	determinants	determinant	NOUN
ejge-10853	429	2	of	of	ADP
ejge-10853	429	3	banks	bank	NOUN
ejge-10853	429	4	'	'	PART
ejge-10853	429	5	profitability	profitability	NOUN
ejge-10853	429	6	:	:	PUNCT
ejge-10853	429	7	evidence	evidence	NOUN
ejge-10853	429	8	from	from	ADP
ejge-10853	429	9	e.u	e.u	PROPN
ejge-10853	429	10	.	.	PROPN
ejge-10853	429	11	27	27	NUM
ejge-10853	429	12	banking	banking	NOUN
ejge-10853	429	13	systems	system	NOUN
ejge-10853	429	14	.	.	PUNCT
ejge-10853	430	1	procedia	procedia	NOUN
ejge-10853	430	2	economics	economic	NOUN
ejge-10853	430	3	and	and	CCONJ
ejge-10853	430	4	finance	finance	NOUN
ejge-10853	430	5	,	,	PUNCT
ejge-10853	430	6	20	20	NUM
ejge-10853	430	7	,	,	PUNCT
ejge-10853	430	8	518	518	NUM
ejge-10853	430	9	-	-	SYM
ejge-10853	430	10	524	524	NUM
ejge-10853	430	11	.	.	PUNCT
ejge-10853	431	1	https://doi.org/10.1016/s2212-5671(15)00104-5	https://doi.org/10.1016/s2212-5671(15)00104-5	NOUN
ejge-10853	431	2	pires	pire	NOUN
ejge-10853	431	3	,	,	PUNCT
ejge-10853	431	4	c.	c.	NOUN
ejge-10853	431	5	,	,	PUNCT
ejge-10853	431	6	basílio	basílio	PROPN
ejge-10853	431	7	,	,	PUNCT
ejge-10853	431	8	m.	m.	NOUN
ejge-10853	431	9	,	,	PUNCT
ejge-10853	431	10	&	&	CCONJ
ejge-10853	431	11	borralho	borralho	PROPN
ejge-10853	431	12	,	,	PUNCT
ejge-10853	431	13	c.	c.	NOUN
ejge-10853	431	14	(	(	PUNCT
ejge-10853	431	15	2021	2021	NUM
ejge-10853	431	16	)	)	PUNCT
ejge-10853	431	17	.	.	PUNCT
ejge-10853	432	1	determinants	determinant	NOUN
ejge-10853	432	2	of	of	ADP
ejge-10853	432	3	portuguese	portuguese	ADJ
ejge-10853	432	4	banks	bank	NOUN
ejge-10853	432	5	'	'	PART
ejge-10853	432	6	profitability	profitability	NOUN
ejge-10853	432	7	:	:	PUNCT
ejge-10853	432	8	an	an	DET
ejge-10853	432	9	update	update	NOUN
ejge-10853	432	10	.	.	PUNCT
ejge-10853	433	1	tourism	tourism	NOUN
ejge-10853	433	2	&	&	CCONJ
ejge-10853	433	3	management	management	NOUN
ejge-10853	433	4	studies	study	NOUN
ejge-10853	433	5	,	,	PUNCT
ejge-10853	433	6	17(3	17(3	NUM
ejge-10853	433	7	)	)	PUNCT
ejge-10853	433	8	,	,	PUNCT
ejge-10853	433	9	63	63	NUM
ejge-10853	433	10	-	-	SYM
ejge-10853	433	11	70	70	NUM
ejge-10853	433	12	.	.	PUNCT
ejge-10853	434	1	https://doi.org/10.18089/tms.2021.170305	https://doi.org/10.18089/tms.2021.170305	ADJ
ejge-10853	434	2	puci	puci	PROPN
ejge-10853	434	3	,	,	PUNCT
ejge-10853	434	4	j.	j.	PROPN
ejge-10853	434	5	,	,	PUNCT
ejge-10853	434	6	draci	draci	PROPN
ejge-10853	434	7	,	,	PUNCT
ejge-10853	434	8	p.	p.	PROPN
ejge-10853	434	9	,	,	PUNCT
ejge-10853	434	10	demi	demi	PROPN
ejge-10853	434	11	,	,	PUNCT
ejge-10853	434	12	a.	a.	NOUN
ejge-10853	434	13	,	,	PUNCT
ejge-10853	434	14	&	&	CCONJ
ejge-10853	434	15	merja	merja	PROPN
ejge-10853	434	16	,	,	PUNCT
ejge-10853	434	17	z.	z.	PROPN
ejge-10853	434	18	(	(	PUNCT
ejge-10853	434	19	2023	2023	NUM
ejge-10853	434	20	)	)	PUNCT
ejge-10853	434	21	.	.	PUNCT
ejge-10853	435	1	an	an	DET
ejge-10853	435	2	assessment	assessment	NOUN
ejge-10853	435	3	of	of	ADP
ejge-10853	435	4	bank	bank	NOUN
ejge-10853	435	5	profitability	profitability	NOUN
ejge-10853	435	6	:	:	PUNCT
ejge-10853	435	7	evidence	evidence	NOUN
ejge-10853	435	8	from	from	ADP
ejge-10853	435	9	albania	albania	PROPN
ejge-10853	435	10	.	.	PUNCT
ejge-10853	436	1	international	international	ADJ
ejge-10853	436	2	journal	journal	PROPN
ejge-10853	436	3	of	of	ADP
ejge-10853	436	4	applied	apply	VERB
ejge-10853	436	5	economics	economic	NOUN
ejge-10853	436	6	,	,	PUNCT
ejge-10853	436	7	finance	finance	NOUN
ejge-10853	436	8	and	and	CCONJ
ejge-10853	436	9	accounting	accounting	NOUN
ejge-10853	436	10	,	,	PUNCT
ejge-10853	436	11	16(1	16(1	NUM
ejge-10853	436	12	)	)	PUNCT
ejge-10853	436	13	,	,	PUNCT
ejge-10853	436	14	86	86	NUM
ejge-10853	436	15	-	-	SYM
ejge-10853	436	16	96	96	NUM
ejge-10853	436	17	.	.	PUNCT
ejge-10853	437	1	https://doi.org/10.33094/ijaefa.v16i1.924	https://doi.org/10.33094/ijaefa.v16i1.924	PROPN
ejge-10853	437	2	qehaja	qehaja	NOUN
ejge-10853	437	3	-	-	PUNCT
ejge-10853	437	4	keka	keka	NOUN
ejge-10853	437	5	,	,	PUNCT
ejge-10853	437	6	v.	v.	ADV
ejge-10853	437	7	,	,	PUNCT
ejge-10853	437	8	ahmeti	ahmeti	PROPN
ejge-10853	437	9	,	,	PUNCT
ejge-10853	437	10	s.	s.	PROPN
ejge-10853	437	11	,	,	PUNCT
ejge-10853	437	12	&	&	CCONJ
ejge-10853	437	13	aliu	aliu	PROPN
ejge-10853	437	14	,	,	PUNCT
ejge-10853	437	15	m.	m.	NOUN
ejge-10853	437	16	(	(	PUNCT
ejge-10853	437	17	2023	2023	NUM
ejge-10853	437	18	)	)	PUNCT
ejge-10853	437	19	.	.	PUNCT
ejge-10853	438	1	bank	bank	NOUN
ejge-10853	438	2	profitability	profitability	NOUN
ejge-10853	438	3	determinants	determinant	NOUN
ejge-10853	438	4	:	:	PUNCT
ejge-10853	438	5	evidence	evidence	NOUN
ejge-10853	438	6	from	from	ADP
ejge-10853	438	7	kosovo	kosovo	PROPN
ejge-10853	438	8	and	and	CCONJ
ejge-10853	438	9	albania	albania	PROPN
ejge-10853	438	10	.	.	PROPN
ejge-10853	439	1	journal	journal	PROPN
ejge-10853	439	2	of	of	ADP
ejge-10853	439	3	liberty	liberty	NOUN
ejge-10853	439	4	and	and	CCONJ
ejge-10853	439	5	international	international	ADJ
ejge-10853	439	6	affairs	affair	NOUN
ejge-10853	439	7	,	,	PUNCT
ejge-10853	439	8	9(2	9(2	NUM
ejge-10853	439	9	)	)	PUNCT
ejge-10853	439	10	,	,	PUNCT
ejge-10853	439	11	85	85	NUM
ejge-10853	439	12	-	-	SYM
ejge-10853	439	13	97	97	NUM
ejge-10853	439	14	.	.	PUNCT
ejge-10853	440	1	https://doi.org/10.47305/jlia2392370qk	https://doi.org/10.47305/jlia2392370qk	PROPN
ejge-10853	440	2	shahin	shahin	PROPN
ejge-10853	440	3	,	,	PUNCT
ejge-10853	440	4	r.	r.	PROPN
ejge-10853	440	5	,	,	PUNCT
ejge-10853	440	6	khalil	khalil	PROPN
ejge-10853	440	7	,	,	PUNCT
ejge-10853	440	8	m.	m.	NOUN
ejge-10853	440	9	,	,	PUNCT
ejge-10853	440	10	&	&	CCONJ
ejge-10853	440	11	sallam	sallam	PROPN
ejge-10853	440	12	,	,	PUNCT
ejge-10853	440	13	h.	h.	PROPN
ejge-10853	440	14	(	(	PUNCT
ejge-10853	440	15	2022	2022	NUM
ejge-10853	440	16	)	)	PUNCT
ejge-10853	440	17	.	.	PUNCT
ejge-10853	441	1	the	the	DET
ejge-10853	441	2	nexus	nexus	NOUN
ejge-10853	441	3	between	between	ADP
ejge-10853	441	4	interest	interest	NOUN
ejge-10853	441	5	rate	rate	NOUN
ejge-10853	441	6	and	and	CCONJ
ejge-10853	441	7	bank	bank	NOUN
ejge-10853	441	8	profitability	profitability	NOUN
ejge-10853	441	9	:	:	PUNCT
ejge-10853	441	10	does	do	AUX
ejge-10853	441	11	bank	bank	PROPN
ejge-10853	441	12	prudential	prudential	ADJ
ejge-10853	441	13	capital	capital	NOUN
ejge-10853	441	14	matter	matter	NOUN
ejge-10853	441	15	?	?	PUNCT
ejge-10853	442	1	banks	bank	NOUN
ejge-10853	442	2	and	and	CCONJ
ejge-10853	442	3	bank	bank	NOUN
ejge-10853	442	4	systems	system	NOUN
ejge-10853	442	5	,	,	PUNCT
ejge-10853	442	6	17(2	17(2	NUM
ejge-10853	442	7	)	)	PUNCT
ejge-10853	442	8	,	,	PUNCT
ejge-10853	442	9	113	113	NUM
ejge-10853	442	10	-	-	SYM
ejge-10853	442	11	123	123	NUM
ejge-10853	442	12	.	.	PUNCT
ejge-10853	443	1	https://doi.org/10.21511/bbs.17(2).2022.10	https://doi.org/10.21511/bbs.17(2).2022.10	PROPN
ejge-10853	443	2	son	son	NOUN
ejge-10853	443	3	,	,	PUNCT
ejge-10853	443	4	n.	n.	PROPN
ejge-10853	443	5	n.	n.	PROPN
ejge-10853	443	6	(	(	PUNCT
ejge-10853	443	7	2024	2024	NUM
ejge-10853	443	8	)	)	PUNCT
ejge-10853	443	9	.	.	PUNCT
ejge-10853	444	1	analyze	analyze	VERB
ejge-10853	444	2	the	the	DET
ejge-10853	444	3	impact	impact	NOUN
ejge-10853	444	4	of	of	ADP
ejge-10853	444	5	factors	factor	NOUN
ejge-10853	444	6	on	on	ADP
ejge-10853	444	7	vietnam	vietnam	PROPN
ejge-10853	444	8	banks	bank	NOUN
ejge-10853	444	9	'	'	PART
ejge-10853	444	10	net	net	ADJ
ejge-10853	444	11	interest	interest	NOUN
ejge-10853	444	12	margin	margin	NOUN
ejge-10853	444	13	:	:	PUNCT
ejge-10853	444	14	a	a	DET
ejge-10853	444	15	panel	panel	NOUN
ejge-10853	444	16	data	datum	NOUN
ejge-10853	444	17	approach	approach	NOUN
ejge-10853	444	18	.	.	PUNCT
ejge-10853	445	1	journal	journal	PROPN
ejge-10853	445	2	of	of	ADP
ejge-10853	445	3	infrastructure	infrastructure	NOUN
ejge-10853	445	4	,	,	PUNCT
ejge-10853	445	5	policy	policy	NOUN
ejge-10853	445	6	and	and	CCONJ
ejge-10853	445	7	development	development	NOUN
ejge-10853	445	8	,	,	PUNCT
ejge-10853	445	9	8(3	8(3	NUM
ejge-10853	445	10	)	)	PUNCT
ejge-10853	445	11	,	,	PUNCT
ejge-10853	445	12	1	1	NUM
ejge-10853	445	13	-	-	SYM
ejge-10853	445	14	18	18	NUM
ejge-10853	445	15	.	.	PUNCT
ejge-10853	446	1	https://doi.org/10.24294/jipd.v8i3.2796	https://doi.org/10.24294/jipd.v8i3.2796	PROPN
ejge-10853	446	2	yuan	yuan	PROPN
ejge-10853	446	3	,	,	PUNCT
ejge-10853	446	4	d.	d.	PROPN
ejge-10853	446	5	,	,	PUNCT
ejge-10853	446	6	gazi	gazi	PROPN
ejge-10853	446	7	,	,	PUNCT
ejge-10853	446	8	m.	m.	NOUN
ejge-10853	446	9	a.	a.	PROPN
ejge-10853	446	10	,	,	PUNCT
ejge-10853	446	11	harymawan	harymawan	PROPN
ejge-10853	446	12	,	,	PUNCT
ejge-10853	446	13	i.	i.	PROPN
ejge-10853	446	14	,	,	PUNCT
ejge-10853	446	15	dhar	dhar	PROPN
ejge-10853	446	16	,	,	PUNCT
ejge-10853	446	17	b.	b.	PROPN
ejge-10853	446	18	k.	k.	PROPN
ejge-10853	446	19	,	,	PUNCT
ejge-10853	446	20	&	&	CCONJ
ejge-10853	446	21	hossain	hossain	PROPN
ejge-10853	446	22	,	,	PUNCT
ejge-10853	446	23	a.	a.	NOUN
ejge-10853	446	24	i.	i.	PROPN
ejge-10853	446	25	(	(	PUNCT
ejge-10853	446	26	2022	2022	NUM
ejge-10853	446	27	)	)	PUNCT
ejge-10853	446	28	.	.	PUNCT
ejge-10853	447	1	profitability	profitability	NOUN
ejge-10853	447	2	determining	determine	VERB
ejge-10853	447	3	factors	factor	NOUN
ejge-10853	447	4	of	of	ADP
ejge-10853	447	5	banking	banking	NOUN
ejge-10853	447	6	sector	sector	NOUN
ejge-10853	447	7	:	:	PUNCT
ejge-10853	447	8	panel	panel	NOUN
ejge-10853	447	9	data	data	VERB
ejge-10853	447	10	analysis	analysis	NOUN
ejge-10853	447	11	of	of	ADP
ejge-10853	447	12	commercial	commercial	ADJ
ejge-10853	447	13	banks	bank	NOUN
ejge-10853	447	14	in	in	ADP
ejge-10853	447	15	south	south	ADJ
ejge-10853	447	16	asian	asian	ADJ
ejge-10853	447	17	countries	country	NOUN
ejge-10853	447	18	.	.	PUNCT
ejge-10853	448	1	frontiers	frontier	NOUN
ejge-10853	448	2	in	in	ADP
ejge-10853	448	3	psychology	psychology	NOUN
ejge-10853	448	4	,	,	PUNCT
ejge-10853	448	5	13	13	NUM
ejge-10853	448	6	,	,	PUNCT
ejge-10853	448	7	1	1	NUM
ejge-10853	448	8	-	-	SYM
ejge-10853	448	9	17	17	NUM
ejge-10853	448	10	.	.	PUNCT
ejge-10853	449	1	https://doi.org/10.3389/fpsyg.2022.1000412	https://doi.org/10.3389/fpsyg.2022.1000412	ADJ
ejge-10853	449	2	https://doi.org/10.21511/bbs.15(2).2020.08	https://doi.org/10.21511/bbs.15(2).2020.08	X
ejge-10853	449	3	https://doi.org/10.18421/tem113-39	https://doi.org/10.18421/tem113-39	PROPN
ejge-10853	449	4	https://doi.org/10.26794/2587-5671-2023-27-1-138-149	https://doi.org/10.26794/2587-5671-2023-27-1-138-149	PROPN
ejge-10853	449	5	https://doi.org/10.1016/0304-4076(81)90062-2	https://doi.org/10.1016/0304-4076(81)90062-2	PROPN
ejge-10853	449	6	https://doi.org/10.24136/eq.2022.001	https://doi.org/10.24136/eq.2022.001	NOUN
ejge-10853	449	7	https://doi.org/10.1057/s41599-023-02545-6	https://doi.org/10.1057/s41599-023-02545-6	PROPN
ejge-10853	449	8	https://doi.org/10.22190/teme210614021l	https://doi.org/10.22190/teme210614021l	PROPN
ejge-10853	449	9	https://www.bportugal.pt/en/paper/bank-profitability-and-macroeconomic-factors	https://www.bportugal.pt/en/paper/bank-profitability-and-macroeconomic-factors	PROPN
ejge-10853	449	10	https://doi.org/10.22495/cbsrv4i4siart12	https://doi.org/10.22495/cbsrv4i4siart12	PROPN
ejge-10853	449	11	https://doi.org/10.58869/ejabm	https://doi.org/10.58869/ejabm	PROPN
ejge-10853	449	12	https://doi.org/10.3390/jrfm13110284	https://doi.org/10.3390/jrfm13110284	PROPN
ejge-10853	449	13	https://doi.org/10.1016/s2212-5671(15)00104-5	https://doi.org/10.1016/s2212-5671(15)00104-5	NOUN
ejge-10853	449	14	https://doi.org/10.18089/tms.2021.170305	https://doi.org/10.18089/tms.2021.170305	PROPN
ejge-10853	449	15	https://doi.org/10.33094/ijaefa.v16i1.924	https://doi.org/10.33094/ijaefa.v16i1.924	NOUN
ejge-10853	449	16	https://doi.org/10.47305/jlia2392370qk	https://doi.org/10.47305/jlia2392370qk	PROPN
ejge-10853	449	17	https://doi.org/10.21511/bbs.17(2).2022.10	https://doi.org/10.21511/bbs.17(2).2022.10	PUNCT
ejge-10853	449	18	https://doi.org/10.24294/jipd.v8i3.2796	https://doi.org/10.24294/jipd.v8i3.2796	VERB
ejge-10853	449	19	https://doi.org/10.3389/fpsyg.2022.1000412	https://doi.org/10.3389/fpsyg.2022.1000412	ADJ
ejge-10853	449	20	banks	bank	NOUN
ejge-10853	449	21	’	’	PART
ejge-10853	449	22	profitability	profitability	NOUN
ejge-10853	449	23	in	in	ADP
ejge-10853	449	24	portugal	portugal	PROPN
ejge-10853	449	25	from	from	ADP
ejge-10853	449	26	2013	2013	NUM
ejge-10853	449	27	to	to	ADP
ejge-10853	449	28	2023	2023	NUM
ejge-10853	449	29	appendix	appendix	X
ejge-10853	449	30	1	1	NUM
ejge-10853	449	31	bank	bank	NOUN
ejge-10853	449	32	banking	banking	NOUN
ejge-10853	449	33	product	product	NOUN
ejge-10853	449	34	*	*	PUNCT
ejge-10853	449	35	bpi	bpi	PROPN
ejge-10853	449	36	1423	1423	NUM
ejge-10853	449	37	bcp	bcp	PROPN
ejge-10853	449	38	1245	1245	NUM
ejge-10853	449	39	cgd	cgd	PROPN
ejge-10853	449	40	1465	1465	NUM
ejge-10853	449	41	sicam	sicam	VERB
ejge-10853	449	42	675	675	NUM
ejge-10853	449	43	std	std	NOUN
ejge-10853	449	44	656	656	NUM
ejge-10853	449	45	mtp	mtp	PROPN
ejge-10853	449	46	1920	1920	NUM
ejge-10853	449	47	nb	nb	NOUN
ejge-10853	449	48	876	876	NUM
ejge-10853	449	49	bic	bic	PROPN
ejge-10853	449	50	1802	1802	NUM
ejge-10853	449	51	big	big	ADJ
ejge-10853	449	52	623	623	NUM
ejge-10853	449	53	ctt	ctt	PROPN
ejge-10853	449	54	678	678	NUM
ejge-10853	449	55	bai	bai	PROPN
ejge-10853	449	56	276	276	NUM
ejge-10853	449	57	fnt	fnt	PROPN
ejge-10853	449	58	897	897	PROPN
ejge-10853	449	59	ctl	ctl	PROPN
ejge-10853	449	60	697	697	NUM
ejge-10853	449	61	bkt	bkt	PROPN
ejge-10853	449	62	988	988	NUM
ejge-10853	449	63	db	db	PROPN
ejge-10853	449	64	998	998	NUM
ejge-10853	449	65	best	good	ADJ
ejge-10853	449	66	487	487	NUM
ejge-10853	449	67	atl	atl	PROPN
ejge-10853	449	68	456	456	NUM
ejge-10853	449	69	total	total	NOUN
ejge-10853	449	70	of	of	ADP
ejge-10853	449	71	banking	banking	NOUN
ejge-10853	449	72	product	product	NOUN
ejge-10853	449	73	16495	16495	NUM
ejge-10853	449	74	total	total	ADJ
ejge-10853	449	75	sample	sample	NOUN
ejge-10853	449	76	of	of	ADP
ejge-10853	449	77	banking	banking	NOUN
ejge-10853	449	78	product	product	NOUN
ejge-10853	449	79	16162	16162	NUM
ejge-10853	449	80	*	*	PUNCT
ejge-10853	449	81	millions	million	NOUN
ejge-10853	449	82	of	of	ADP
ejge-10853	449	83	euros	euro	NOUN
ejge-10853	449	84	source	source	NOUN
ejge-10853	449	85	:	:	PUNCT
ejge-10853	449	86	banco	banco	PROPN
ejge-10853	449	87	de	de	PROPN
ejge-10853	449	88	portugal	portugal	PROPN
ejge-10853	449	89	(	(	PUNCT
ejge-10853	449	90	2023	2023	NUM
ejge-10853	449	91	)	)	PUNCT
ejge-10853	449	92	.	.	PUNCT
ejge-10853	450	1	the	the	DET
ejge-10853	450	2	sample	sample	NOUN
ejge-10853	450	3	used	use	VERB
ejge-10853	450	4	has	have	VERB
ejge-10853	450	5	a	a	DET
ejge-10853	450	6	weight	weight	NOUN
ejge-10853	450	7	corresponding	correspond	VERB
ejge-10853	450	8	to	to	ADP
ejge-10853	450	9	0.9798	0.9798	NUM
ejge-10853	450	10	of	of	ADP
ejge-10853	450	11	the	the	DET
ejge-10853	450	12	total	total	NOUN
ejge-10853	450	13	of	of	ADP
ejge-10853	450	14	banking	banking	NOUN
ejge-10853	450	15	product	product	NOUN
ejge-10853	450	16	,	,	PUNCT
ejge-10853	450	17	concerning	concern	VERB
ejge-10853	450	18	the	the	DET
ejge-10853	450	19	year	year	NOUN
ejge-10853	450	20	2023	2023	NUM
ejge-10853	450	21	and	and	CCONJ
ejge-10853	450	22	indicated	indicate	VERB
ejge-10853	450	23	in	in	ADP
ejge-10853	450	24	the	the	DET
ejge-10853	450	25	previous	previous	ADJ
ejge-10853	450	26	table	table	NOUN
ejge-10853	450	27	.	.	PUNCT
ejge-10853	451	1	1	1	X
ejge-10853	451	2	.	.	X
ejge-10853	451	3	introduction	introduction	NOUN
ejge-10853	451	4	2	2	NUM
ejge-10853	451	5	.	.	PUNCT
ejge-10853	452	1	literature	literature	NOUN
ejge-10853	452	2	review	review	NOUN
ejge-10853	452	3	3	3	X
ejge-10853	452	4	.	.	PUNCT
ejge-10853	452	5	data	datum	NOUN
ejge-10853	452	6	and	and	CCONJ
ejge-10853	452	7	methodology	methodology	NOUN
ejge-10853	452	8	4	4	NUM
ejge-10853	452	9	.	.	NOUN
ejge-10853	452	10	results	result	NOUN
ejge-10853	452	11	and	and	CCONJ
ejge-10853	452	12	discussion	discussion	NOUN
ejge-10853	452	13	5	5	NUM
ejge-10853	452	14	.	.	PUNCT
ejge-10853	453	1	conclusions	conclusion	NOUN
ejge-10853	453	2	references	reference	NOUN