id	sid	tid	token	lemma	pos
faba-135	1	1	90	90	NUM
faba-135	1	2	finance	finance	NOUN
faba-135	1	3	,	,	PUNCT
faba-135	1	4	accounting	accounting	NOUN
faba-135	1	5	and	and	CCONJ
faba-135	1	6	business	business	NOUN
faba-135	1	7	analysis	analysis	NOUN
faba-135	1	8	volume	volume	NOUN
faba-135	1	9	4	4	NUM
faba-135	1	10	issue	issue	NOUN
faba-135	1	11	2	2	NUM
faba-135	1	12	,	,	PUNCT
faba-135	1	13	2022	2022	NUM
faba-135	1	14	http://faba.bg	http://faba.bg	NOUN
faba-135	1	15	dynamics	dynamic	NOUN
faba-135	1	16	of	of	ADP
faba-135	1	17	bank	bank	NOUN
faba-135	1	18	credits	credit	NOUN
faba-135	1	19	to	to	ADP
faba-135	1	20	private	private	ADJ
faba-135	1	21	sector	sector	NOUN
faba-135	1	22	in	in	ADP
faba-135	1	23	the	the	DET
faba-135	1	24	central	central	ADJ
faba-135	1	25	and	and	CCONJ
faba-135	1	26	eastern	eastern	ADJ
faba-135	1	27	european	european	ADJ
faba-135	1	28	countries	country	NOUN
faba-135	1	29	gergana	gergana	VERB
faba-135	1	30	mihaylova	mihaylova	PROPN
faba-135	1	31	-	-	PUNCT
faba-135	1	32	borisova	borisova	NOUN
faba-135	1	33	finance	finance	NOUN
faba-135	1	34	department	department	PROPN
faba-135	1	35	,	,	PUNCT
faba-135	1	36	university	university	NOUN
faba-135	1	37	of	of	ADP
faba-135	1	38	national	national	ADJ
faba-135	1	39	and	and	CCONJ
faba-135	1	40	world	world	NOUN
faba-135	1	41	economy	economy	NOUN
faba-135	1	42	,	,	PUNCT
faba-135	1	43	bulgaria	bulgaria	PROPN
faba-135	1	44	info	info	NOUN
faba-135	1	45	articles	article	NOUN
faba-135	1	46	abstract	abstract	ADJ
faba-135	1	47	keywords	keyword	NOUN
faba-135	1	48	:	:	PUNCT
faba-135	1	49	credits	credit	NOUN
faba-135	1	50	,	,	PUNCT
faba-135	1	51	banking	banking	NOUN
faba-135	1	52	sectors	sector	NOUN
faba-135	1	53	,	,	PUNCT
faba-135	1	54	central	central	ADJ
faba-135	1	55	and	and	CCONJ
faba-135	1	56	eastern	eastern	ADJ
faba-135	1	57	european	european	ADJ
faba-135	1	58	countries	country	NOUN
faba-135	1	59	non	non	ADJ
faba-135	1	60	-	-	ADJ
faba-135	1	61	performing	performing	ADJ
faba-135	1	62	loans	loan	NOUN
faba-135	1	63	objective	objective	NOUN
faba-135	1	64	:	:	PUNCT
faba-135	1	65	the	the	DET
faba-135	1	66	purpose	purpose	NOUN
faba-135	1	67	of	of	ADP
faba-135	1	68	the	the	DET
faba-135	1	69	research	research	NOUN
faba-135	1	70	is	be	AUX
faba-135	1	71	to	to	PART
faba-135	1	72	analyze	analyze	VERB
faba-135	1	73	credits	credit	NOUN
faba-135	1	74	dynamics	dynamic	NOUN
faba-135	1	75	,	,	PUNCT
faba-135	1	76	provided	provide	VERB
faba-135	1	77	by	by	ADP
faba-135	1	78	banking	banking	NOUN
faba-135	1	79	sectors	sector	NOUN
faba-135	1	80	in	in	ADP
faba-135	1	81	the	the	DET
faba-135	1	82	cee	cee	NOUN
faba-135	1	83	countries	country	NOUN
faba-135	1	84	from	from	ADP
faba-135	1	85	the	the	DET
faba-135	1	86	international	international	ADJ
faba-135	1	87	financial	financial	ADJ
faba-135	1	88	crisis	crisis	NOUN
faba-135	1	89	to	to	PART
faba-135	1	90	present	present	VERB
faba-135	1	91	.	.	PUNCT
faba-135	2	1	methodology	methodology	NOUN
faba-135	2	2	:	:	PUNCT
faba-135	2	3	the	the	DET
faba-135	2	4	study	study	NOUN
faba-135	2	5	examines	examine	VERB
faba-135	2	6	the	the	DET
faba-135	2	7	data	datum	NOUN
faba-135	2	8	for	for	ADP
faba-135	2	9	domestic	domestic	ADJ
faba-135	2	10	credits	credit	NOUN
faba-135	2	11	,	,	PUNCT
faba-135	2	12	provided	provide	VERB
faba-135	2	13	by	by	ADP
faba-135	2	14	banks	bank	NOUN
faba-135	2	15	of	of	ADP
faba-135	2	16	the	the	DET
faba-135	2	17	ten	ten	NUM
faba-135	2	18	central	central	ADJ
faba-135	2	19	and	and	CCONJ
faba-135	2	20	eastern	eastern	ADJ
faba-135	2	21	european	european	ADJ
faba-135	2	22	countries	country	NOUN
faba-135	2	23	in	in	ADP
faba-135	2	24	particular	particular	ADJ
faba-135	2	25	bulgaria	bulgaria	PROPN
faba-135	2	26	,	,	PUNCT
faba-135	2	27	romania	romania	PROPN
faba-135	2	28	,	,	PUNCT
faba-135	2	29	poland	poland	PROPN
faba-135	2	30	,	,	PUNCT
faba-135	2	31	hungary	hungary	PROPN
faba-135	2	32	,	,	PUNCT
faba-135	2	33	czech	czech	PROPN
faba-135	2	34	republic	republic	NOUN
faba-135	2	35	,	,	PUNCT
faba-135	2	36	estonia	estonia	PROPN
faba-135	2	37	,	,	PUNCT
faba-135	2	38	lithuania	lithuania	PROPN
faba-135	2	39	,	,	PUNCT
faba-135	2	40	latvia	latvia	PROPN
faba-135	2	41	,	,	PUNCT
faba-135	2	42	slovenia	slovenia	PROPN
faba-135	2	43	,	,	PUNCT
faba-135	2	44	slovak	slovak	ADJ
faba-135	2	45	republic	republic	NOUN
faba-135	2	46	.	.	PUNCT
faba-135	3	1	the	the	DET
faba-135	3	2	used	use	VERB
faba-135	3	3	methods	method	NOUN
faba-135	3	4	are	be	AUX
faba-135	3	5	descriptive	descriptive	ADJ
faba-135	3	6	analyses	analysis	NOUN
faba-135	3	7	and	and	CCONJ
faba-135	3	8	synthesis	synthesis	NOUN
faba-135	3	9	.	.	PUNCT
faba-135	4	1	results	result	NOUN
faba-135	4	2	:	:	PUNCT
faba-135	4	3	it	it	PRON
faba-135	4	4	is	be	AUX
faba-135	4	5	found	find	VERB
faba-135	4	6	that	that	SCONJ
faba-135	4	7	the	the	DET
faba-135	4	8	bank	bank	NOUN
faba-135	4	9	credits	credit	NOUN
faba-135	4	10	were	be	AUX
faba-135	4	11	negatively	negatively	ADV
faba-135	4	12	affected	affect	VERB
faba-135	4	13	by	by	ADP
faba-135	4	14	the	the	DET
faba-135	4	15	observed	observe	VERB
faba-135	4	16	crises	crisis	NOUN
faba-135	4	17	in	in	ADP
faba-135	4	18	the	the	DET
faba-135	4	19	last	last	ADJ
faba-135	4	20	twenties	twenty	NOUN
faba-135	4	21	years	year	NOUN
faba-135	4	22	:	:	PUNCT
faba-135	4	23	international	international	ADJ
faba-135	4	24	financial	financial	ADJ
faba-135	4	25	crisis	crisis	NOUN
faba-135	4	26	,	,	PUNCT
faba-135	4	27	european	european	ADJ
faba-135	4	28	debt	debt	NOUN
faba-135	4	29	crisis	crisis	NOUN
faba-135	4	30	and	and	CCONJ
faba-135	4	31	pandemic	pandemic	ADJ
faba-135	4	32	crisis	crisis	NOUN
faba-135	4	33	.	.	PUNCT
faba-135	5	1	after	after	ADP
faba-135	5	2	the	the	DET
faba-135	5	3	covid-19	covid-19	PROPN
faba-135	5	4	crisis	crisis	NOUN
faba-135	5	5	the	the	DET
faba-135	5	6	credit	credit	NOUN
faba-135	5	7	growth	growth	NOUN
faba-135	5	8	has	have	AUX
faba-135	5	9	started	start	VERB
faba-135	5	10	to	to	PART
faba-135	5	11	recover	recover	VERB
faba-135	5	12	,	,	PUNCT
faba-135	5	13	together	together	ADV
faba-135	5	14	with	with	ADP
faba-135	5	15	the	the	DET
faba-135	5	16	economies	economy	NOUN
faba-135	5	17	.	.	PUNCT
faba-135	6	1	in	in	ADP
faba-135	6	2	2021	2021	NUM
faba-135	6	3	,	,	PUNCT
faba-135	6	4	all	all	DET
faba-135	6	5	banking	banking	NOUN
faba-135	6	6	systems	system	NOUN
faba-135	6	7	in	in	ADP
faba-135	6	8	cee	cee	PROPN
faba-135	6	9	countries	country	NOUN
faba-135	6	10	reported	report	VERB
faba-135	6	11	a	a	DET
faba-135	6	12	recovery	recovery	NOUN
faba-135	6	13	of	of	ADP
faba-135	6	14	their	their	PRON
faba-135	6	15	loan	loan	NOUN
faba-135	6	16	portfolios	portfolio	NOUN
faba-135	6	17	,	,	PUNCT
faba-135	6	18	recording	record	VERB
faba-135	6	19	positive	positive	ADJ
faba-135	6	20	growth	growth	NOUN
faba-135	6	21	rates	rate	NOUN
faba-135	6	22	.	.	PUNCT
faba-135	7	1	however	however	ADV
faba-135	7	2	,	,	PUNCT
faba-135	7	3	rising	rise	VERB
faba-135	7	4	and	and	CCONJ
faba-135	7	5	accelerated	accelerate	VERB
faba-135	7	6	inflation	inflation	NOUN
faba-135	7	7	since	since	SCONJ
faba-135	7	8	mid-2021	mid-2021	NOUN
faba-135	7	9	and	and	CCONJ
faba-135	7	10	the	the	DET
faba-135	7	11	subsequent	subsequent	ADJ
faba-135	7	12	reaction	reaction	NOUN
faba-135	7	13	by	by	ADP
faba-135	7	14	central	central	ADJ
faba-135	7	15	banks	bank	NOUN
faba-135	7	16	to	to	PART
faba-135	7	17	curb	curb	VERB
faba-135	7	18	it	it	PRON
faba-135	7	19	faces	face	VERB
faba-135	7	20	new	new	ADJ
faba-135	7	21	challenges	challenge	NOUN
faba-135	7	22	for	for	ADP
faba-135	7	23	banks	bank	NOUN
faba-135	7	24	and	and	CCONJ
faba-135	7	25	countries	country	NOUN
faba-135	7	26	.	.	PUNCT
faba-135	8	1	implication	implication	NOUN
faba-135	8	2	:	:	PUNCT
faba-135	8	3	the	the	DET
faba-135	8	4	study	study	NOUN
faba-135	8	5	’s	’s	PART
faba-135	8	6	results	result	NOUN
faba-135	8	7	are	be	AUX
faba-135	8	8	important	important	ADJ
faba-135	8	9	for	for	ADP
faba-135	8	10	policy	policy	NOUN
faba-135	8	11	makers	maker	NOUN
faba-135	8	12	,	,	PUNCT
faba-135	8	13	aiming	aim	VERB
faba-135	8	14	to	to	PART
faba-135	8	15	recover	recover	VERB
faba-135	8	16	the	the	DET
faba-135	8	17	economic	economic	ADJ
faba-135	8	18	development	development	NOUN
faba-135	8	19	of	of	ADP
faba-135	8	20	countries	country	NOUN
faba-135	8	21	,	,	PUNCT
faba-135	8	22	as	as	ADV
faba-135	8	23	well	well	ADV
faba-135	8	24	as	as	ADP
faba-135	8	25	to	to	ADP
faba-135	8	26	the	the	DET
faba-135	8	27	bank	bank	NOUN
faba-135	8	28	managers	manager	NOUN
faba-135	8	29	,	,	PUNCT
faba-135	8	30	aiming	aim	VERB
faba-135	8	31	to	to	PART
faba-135	8	32	improve	improve	VERB
faba-135	8	33	the	the	DET
faba-135	8	34	activity	activity	NOUN
faba-135	8	35	of	of	ADP
faba-135	8	36	the	the	DET
faba-135	8	37	managed	manage	VERB
faba-135	8	38	banking	banking	NOUN
faba-135	8	39	institutions	institution	NOUN
faba-135	8	40	.	.	PUNCT
faba-135	9	1	*	*	PUNCT
faba-135	9	2	address	address	NOUN
faba-135	9	3	correspondence	correspondence	NOUN
faba-135	9	4	:	:	PUNCT
faba-135	10	1	e	e	X
faba-135	10	2	-	-	NOUN
faba-135	10	3	mail	mail	NOUN
faba-135	10	4	:	:	PUNCT
faba-135	10	5	gerym@abv.bg	gerym@abv.bg	PROPN
faba-135	10	6	;	;	PUNCT
faba-135	10	7	gmihaylova-borisova@unwe.bg	gmihaylova-borisova@unwe.bg	ADJ
faba-135	10	8	finance	finance	NOUN
faba-135	10	9	,	,	PUNCT
faba-135	10	10	accounting	accounting	NOUN
faba-135	10	11	and	and	CCONJ
faba-135	10	12	business	business	NOUN
faba-135	10	13	analysis	analysis	NOUN
faba-135	10	14	4	4	NUM
faba-135	10	15	(	(	PUNCT
faba-135	10	16	2	2	NUM
faba-135	10	17	)	)	PUNCT
faba-135	10	18	2022	2022	NUM
faba-135	10	19	91	91	NUM
faba-135	10	20	introduction	introduction	NOUN
faba-135	10	21	the	the	DET
faba-135	10	22	dynamics	dynamic	NOUN
faba-135	10	23	of	of	ADP
faba-135	10	24	credit	credit	NOUN
faba-135	10	25	provided	provide	VERB
faba-135	10	26	by	by	ADP
faba-135	10	27	banks	bank	NOUN
faba-135	10	28	to	to	ADP
faba-135	10	29	the	the	DET
faba-135	10	30	private	private	ADJ
faba-135	10	31	sector	sector	NOUN
faba-135	10	32	is	be	AUX
faba-135	10	33	of	of	ADP
faba-135	10	34	particular	particular	ADJ
faba-135	10	35	importance	importance	NOUN
faba-135	10	36	for	for	ADP
faba-135	10	37	an	an	DET
faba-135	10	38	economy	economy	NOUN
faba-135	10	39	,	,	PUNCT
faba-135	10	40	since	since	SCONJ
faba-135	10	41	it	it	PRON
faba-135	10	42	is	be	AUX
faba-135	10	43	through	through	ADP
faba-135	10	44	the	the	DET
faba-135	10	45	credit	credit	NOUN
faba-135	10	46	channel	channel	NOUN
faba-135	10	47	that	that	PRON
faba-135	10	48	central	central	ADJ
faba-135	10	49	banks	bank	NOUN
faba-135	10	50	ensure	ensure	VERB
faba-135	10	51	the	the	DET
faba-135	10	52	action	action	NOUN
faba-135	10	53	of	of	ADP
faba-135	10	54	their	their	PRON
faba-135	10	55	monetary	monetary	ADJ
faba-135	10	56	policy	policy	NOUN
faba-135	10	57	on	on	ADP
faba-135	10	58	the	the	DET
faba-135	10	59	economy	economy	NOUN
faba-135	10	60	through	through	ADP
faba-135	10	61	the	the	DET
faba-135	10	62	so	so	ADV
faba-135	10	63	-	-	PUNCT
faba-135	10	64	called	call	VERB
faba-135	10	65	transmission	transmission	NOUN
faba-135	10	66	mechanism	mechanism	NOUN
faba-135	10	67	.	.	PUNCT
faba-135	11	1	this	this	DET
faba-135	11	2	mechanism	mechanism	NOUN
faba-135	11	3	is	be	AUX
faba-135	11	4	disrupted	disrupt	VERB
faba-135	11	5	in	in	ADP
faba-135	11	6	times	time	NOUN
faba-135	11	7	of	of	ADP
faba-135	11	8	crisis	crisis	NOUN
faba-135	11	9	,	,	PUNCT
faba-135	11	10	leading	lead	VERB
faba-135	11	11	central	central	ADJ
faba-135	11	12	banks	bank	NOUN
faba-135	11	13	to	to	PART
faba-135	11	14	turn	turn	VERB
faba-135	11	15	to	to	ADP
faba-135	11	16	non	non	ADJ
faba-135	11	17	-	-	ADJ
faba-135	11	18	conventional	conventional	ADJ
faba-135	11	19	monetary	monetary	ADJ
faba-135	11	20	policy	policy	NOUN
faba-135	11	21	instruments	instrument	NOUN
faba-135	11	22	such	such	ADJ
faba-135	11	23	as	as	ADP
faba-135	11	24	asset	asset	NOUN
faba-135	11	25	purchases	purchase	NOUN
faba-135	11	26	,	,	PUNCT
faba-135	11	27	aiming	aim	VERB
faba-135	11	28	to	to	PART
faba-135	11	29	intervene	intervene	VERB
faba-135	11	30	directly	directly	ADV
faba-135	11	31	in	in	ADP
faba-135	11	32	certain	certain	ADJ
faba-135	11	33	markets	market	NOUN
faba-135	11	34	and	and	CCONJ
faba-135	11	35	providing	provide	VERB
faba-135	11	36	the	the	DET
faba-135	11	37	necessary	necessary	ADJ
faba-135	11	38	liquidity	liquidity	NOUN
faba-135	11	39	for	for	ADP
faba-135	11	40	the	the	DET
faba-135	11	41	purposes	purpose	NOUN
faba-135	11	42	of	of	ADP
faba-135	11	43	economic	economic	ADJ
faba-135	11	44	recovery	recovery	NOUN
faba-135	11	45	.	.	PUNCT
faba-135	12	1	in	in	ADP
faba-135	12	2	these	these	DET
faba-135	12	3	processes	process	NOUN
faba-135	12	4	,	,	PUNCT
faba-135	12	5	the	the	DET
faba-135	12	6	role	role	NOUN
faba-135	12	7	of	of	ADP
faba-135	12	8	banks	bank	NOUN
faba-135	12	9	,	,	PUNCT
faba-135	12	10	which	which	PRON
faba-135	12	11	are	be	AUX
faba-135	12	12	the	the	DET
faba-135	12	13	main	main	ADJ
faba-135	12	14	intermediaries	intermediary	NOUN
faba-135	12	15	in	in	ADP
faba-135	12	16	an	an	DET
faba-135	12	17	economy	economy	NOUN
faba-135	12	18	,	,	PUNCT
faba-135	12	19	is	be	AUX
faba-135	12	20	also	also	ADV
faba-135	12	21	very	very	ADV
faba-135	12	22	important	important	ADJ
faba-135	12	23	.	.	PUNCT
faba-135	13	1	this	this	PRON
faba-135	13	2	is	be	AUX
faba-135	13	3	particularly	particularly	ADV
faba-135	13	4	true	true	ADJ
faba-135	13	5	for	for	ADP
faba-135	13	6	the	the	DET
faba-135	13	7	financial	financial	ADJ
faba-135	13	8	sector	sector	NOUN
faba-135	13	9	of	of	ADP
faba-135	13	10	the	the	DET
faba-135	13	11	cee	cee	NOUN
faba-135	13	12	countries	country	NOUN
faba-135	13	13	.	.	PUNCT
faba-135	14	1	their	their	PRON
faba-135	14	2	non	non	ADJ
faba-135	14	3	-	-	ADJ
faba-135	14	4	bank	bank	ADJ
faba-135	14	5	financial	financial	ADJ
faba-135	14	6	intermediaries	intermediary	NOUN
faba-135	14	7	account	account	VERB
faba-135	14	8	for	for	ADP
faba-135	14	9	only	only	ADV
faba-135	14	10	about	about	ADV
faba-135	14	11	10	10	NUM
faba-135	14	12	%	%	NOUN
faba-135	14	13	of	of	ADP
faba-135	14	14	total	total	ADJ
faba-135	14	15	assets	asset	NOUN
faba-135	14	16	in	in	ADP
faba-135	14	17	the	the	DET
faba-135	14	18	financial	financial	ADJ
faba-135	14	19	system	system	NOUN
faba-135	14	20	.	.	PUNCT
faba-135	15	1	the	the	DET
faba-135	15	2	main	main	ADJ
faba-135	15	3	activities	activity	NOUN
faba-135	15	4	of	of	ADP
faba-135	15	5	banks	bank	NOUN
faba-135	15	6	are	be	AUX
faba-135	15	7	related	relate	VERB
faba-135	15	8	to	to	ADP
faba-135	15	9	the	the	DET
faba-135	15	10	attraction	attraction	NOUN
faba-135	15	11	of	of	ADP
faba-135	15	12	deposits	deposit	NOUN
faba-135	15	13	and	and	CCONJ
faba-135	15	14	their	their	PRON
faba-135	15	15	provision	provision	NOUN
faba-135	15	16	of	of	ADP
faba-135	15	17	credit	credit	NOUN
faba-135	15	18	to	to	ADP
faba-135	15	19	economic	economic	ADJ
faba-135	15	20	agents	agent	NOUN
faba-135	15	21	experiencing	experience	VERB
faba-135	15	22	a	a	DET
faba-135	15	23	shortage	shortage	NOUN
faba-135	15	24	of	of	ADP
faba-135	15	25	financial	financial	ADJ
faba-135	15	26	resources	resource	NOUN
faba-135	15	27	.	.	PUNCT
faba-135	16	1	lending	lending	NOUN
faba-135	16	2	by	by	ADP
faba-135	16	3	banks	bank	NOUN
faba-135	16	4	leads	lead	VERB
faba-135	16	5	to	to	ADP
faba-135	16	6	a	a	DET
faba-135	16	7	rise	rise	NOUN
faba-135	16	8	in	in	ADP
faba-135	16	9	demand	demand	NOUN
faba-135	16	10	for	for	ADP
faba-135	16	11	commodities	commodity	NOUN
faba-135	16	12	in	in	ADP
faba-135	16	13	the	the	DET
faba-135	16	14	economy	economy	NOUN
faba-135	16	15	and	and	CCONJ
faba-135	16	16	to	to	ADP
faba-135	16	17	an	an	DET
faba-135	16	18	increase	increase	NOUN
faba-135	16	19	in	in	ADP
faba-135	16	20	investment	investment	NOUN
faba-135	16	21	.	.	PUNCT
faba-135	17	1	the	the	DET
faba-135	17	2	study	study	NOUN
faba-135	17	3	of	of	ADP
faba-135	17	4	the	the	DET
faba-135	17	5	dynamics	dynamic	NOUN
faba-135	17	6	of	of	ADP
faba-135	17	7	bank	bank	NOUN
faba-135	17	8	credits	credit	NOUN
faba-135	17	9	to	to	ADP
faba-135	17	10	the	the	DET
faba-135	17	11	firms	firm	NOUN
faba-135	17	12	and	and	CCONJ
faba-135	17	13	households	household	NOUN
faba-135	17	14	is	be	AUX
faba-135	17	15	therefore	therefore	ADV
faba-135	17	16	a	a	DET
faba-135	17	17	particularly	particularly	ADV
faba-135	17	18	topical	topical	ADJ
faba-135	17	19	issue	issue	NOUN
faba-135	17	20	.	.	PUNCT
faba-135	18	1	the	the	DET
faba-135	18	2	objective	objective	NOUN
faba-135	18	3	of	of	ADP
faba-135	18	4	the	the	DET
faba-135	18	5	research	research	NOUN
faba-135	18	6	is	be	AUX
faba-135	18	7	to	to	PART
faba-135	18	8	trace	trace	VERB
faba-135	18	9	the	the	DET
faba-135	18	10	dynamics	dynamic	NOUN
faba-135	18	11	of	of	ADP
faba-135	18	12	credit	credit	NOUN
faba-135	18	13	provided	provide	VERB
faba-135	18	14	by	by	ADP
faba-135	18	15	the	the	DET
faba-135	18	16	banking	banking	NOUN
faba-135	18	17	sector	sector	NOUN
faba-135	18	18	to	to	ADP
faba-135	18	19	the	the	DET
faba-135	18	20	firms	firm	NOUN
faba-135	18	21	and	and	CCONJ
faba-135	18	22	households	household	NOUN
faba-135	18	23	(	(	PUNCT
faba-135	18	24	private	private	ADJ
faba-135	18	25	sector	sector	NOUN
faba-135	18	26	)	)	PUNCT
faba-135	18	27	in	in	ADP
faba-135	18	28	the	the	DET
faba-135	18	29	cee	cee	NOUN
faba-135	18	30	countries	country	NOUN
faba-135	18	31	.	.	PUNCT
faba-135	19	1	the	the	DET
faba-135	19	2	study	study	NOUN
faba-135	19	3	period	period	NOUN
faba-135	19	4	is	be	AUX
faba-135	19	5	from	from	ADP
faba-135	19	6	the	the	DET
faba-135	19	7	global	global	ADJ
faba-135	19	8	financial	financial	ADJ
faba-135	19	9	crisis	crisis	NOUN
faba-135	19	10	to	to	ADP
faba-135	19	11	the	the	DET
faba-135	19	12	latest	late	ADJ
faba-135	19	13	available	available	ADJ
faba-135	19	14	data	datum	NOUN
faba-135	19	15	on	on	ADP
faba-135	19	16	banking	banking	NOUN
faba-135	19	17	sector	sector	NOUN
faba-135	19	18	lending	lending	NOUN
faba-135	19	19	in	in	ADP
faba-135	19	20	the	the	DET
faba-135	19	21	countries	country	NOUN
faba-135	19	22	analysed	analyse	VERB
faba-135	19	23	.	.	PUNCT
faba-135	20	1	the	the	DET
faba-135	20	2	study	study	NOUN
faba-135	20	3	uses	use	VERB
faba-135	20	4	data	datum	NOUN
faba-135	20	5	on	on	ADP
faba-135	20	6	credit	credit	NOUN
faba-135	20	7	extended	extend	VERB
faba-135	20	8	by	by	ADP
faba-135	20	9	the	the	DET
faba-135	20	10	banking	banking	NOUN
faba-135	20	11	systems	system	NOUN
faba-135	20	12	of	of	ADP
faba-135	20	13	ten	ten	NUM
faba-135	20	14	cee	cee	NOUN
faba-135	20	15	countries	country	NOUN
faba-135	20	16	,	,	PUNCT
faba-135	20	17	namely	namely	ADV
faba-135	20	18	bulgaria	bulgaria	PROPN
faba-135	20	19	,	,	PUNCT
faba-135	20	20	romania	romania	PROPN
faba-135	20	21	,	,	PUNCT
faba-135	20	22	the	the	DET
faba-135	20	23	czech	czech	PROPN
faba-135	20	24	republic	republic	NOUN
faba-135	20	25	,	,	PUNCT
faba-135	20	26	poland	poland	PROPN
faba-135	20	27	,	,	PUNCT
faba-135	20	28	hungary	hungary	PROPN
faba-135	20	29	,	,	PUNCT
faba-135	20	30	slovakia	slovakia	PROPN
faba-135	20	31	,	,	PUNCT
faba-135	20	32	slovenia	slovenia	PROPN
faba-135	20	33	,	,	PUNCT
faba-135	20	34	estonia	estonia	PROPN
faba-135	20	35	,	,	PUNCT
faba-135	20	36	lithuania	lithuania	PROPN
faba-135	20	37	and	and	CCONJ
faba-135	20	38	latvia	latvia	PROPN
faba-135	20	39	.	.	PUNCT
faba-135	21	1	the	the	DET
faba-135	21	2	methods	method	NOUN
faba-135	21	3	used	use	VERB
faba-135	21	4	are	be	AUX
faba-135	21	5	descriptive	descriptive	ADJ
faba-135	21	6	analysis	analysis	NOUN
faba-135	21	7	and	and	CCONJ
faba-135	21	8	synthesis	synthesis	NOUN
faba-135	21	9	.	.	PUNCT
faba-135	22	1	the	the	DET
faba-135	22	2	statistical	statistical	ADJ
faba-135	22	3	information	information	NOUN
faba-135	22	4	used	use	VERB
faba-135	22	5	in	in	ADP
faba-135	22	6	the	the	DET
faba-135	22	7	study	study	NOUN
faba-135	22	8	is	be	AUX
faba-135	22	9	from	from	ADP
faba-135	22	10	the	the	DET
faba-135	22	11	databases	database	NOUN
faba-135	22	12	of	of	ADP
faba-135	22	13	the	the	DET
faba-135	22	14	imf	imf	PROPN
faba-135	22	15	and	and	CCONJ
faba-135	22	16	the	the	DET
faba-135	22	17	world	world	PROPN
faba-135	22	18	bank	bank	PROPN
faba-135	22	19	.	.	PUNCT
faba-135	23	1	the	the	DET
faba-135	23	2	study	study	NOUN
faba-135	23	3	argues	argue	VERB
faba-135	23	4	that	that	SCONJ
faba-135	23	5	the	the	DET
faba-135	23	6	banking	banking	NOUN
faba-135	23	7	systems	system	NOUN
faba-135	23	8	of	of	ADP
faba-135	23	9	cee	cee	PROPN
faba-135	23	10	countries	country	NOUN
faba-135	23	11	are	be	AUX
faba-135	23	12	facing	face	VERB
faba-135	23	13	many	many	ADJ
faba-135	23	14	challenges	challenge	NOUN
faba-135	23	15	related	relate	VERB
faba-135	23	16	to	to	ADP
faba-135	23	17	the	the	DET
faba-135	23	18	observed	observe	VERB
faba-135	23	19	crisis	crisis	NOUN
faba-135	23	20	processes	process	NOUN
faba-135	23	21	,	,	PUNCT
faba-135	23	22	new	new	ADJ
faba-135	23	23	regulations	regulation	NOUN
faba-135	23	24	and	and	CCONJ
faba-135	23	25	supervisory	supervisory	ADJ
faba-135	23	26	requirements	requirement	NOUN
faba-135	23	27	of	of	ADP
faba-135	23	28	central	central	ADJ
faba-135	23	29	banks	bank	NOUN
faba-135	23	30	,	,	PUNCT
faba-135	23	31	the	the	DET
faba-135	23	32	level	level	NOUN
faba-135	23	33	of	of	ADP
faba-135	23	34	nonperforming	nonperforme	VERB
faba-135	23	35	loans	loan	NOUN
faba-135	23	36	and	and	CCONJ
faba-135	23	37	economic	economic	ADJ
faba-135	23	38	development	development	NOUN
faba-135	23	39	.	.	PUNCT
faba-135	24	1	the	the	DET
faba-135	24	2	study	study	NOUN
faba-135	24	3	has	have	VERB
faba-135	24	4	several	several	ADJ
faba-135	24	5	parts	part	NOUN
faba-135	24	6	.	.	PUNCT
faba-135	25	1	the	the	DET
faba-135	25	2	next	next	ADJ
faba-135	25	3	part	part	NOUN
faba-135	25	4	reviews	review	VERB
faba-135	25	5	the	the	DET
faba-135	25	6	literature	literature	NOUN
faba-135	25	7	from	from	ADP
faba-135	25	8	the	the	DET
faba-135	25	9	perspective	perspective	NOUN
faba-135	25	10	of	of	ADP
faba-135	25	11	studies	study	NOUN
faba-135	25	12	on	on	ADP
faba-135	25	13	the	the	DET
faba-135	25	14	analysis	analysis	NOUN
faba-135	25	15	of	of	ADP
faba-135	25	16	credit	credit	NOUN
faba-135	25	17	dynamics	dynamic	NOUN
faba-135	25	18	in	in	ADP
faba-135	25	19	cee	cee	NOUN
faba-135	25	20	countries	country	NOUN
faba-135	25	21	.	.	PUNCT
faba-135	26	1	the	the	DET
faba-135	26	2	third	third	ADJ
faba-135	26	3	part	part	NOUN
faba-135	26	4	analyses	analyse	VERB
faba-135	26	5	the	the	DET
faba-135	26	6	data	datum	NOUN
faba-135	26	7	on	on	ADP
faba-135	26	8	credit	credit	NOUN
faba-135	26	9	extended	extend	VERB
faba-135	26	10	by	by	ADP
faba-135	26	11	the	the	DET
faba-135	26	12	banking	banking	NOUN
faba-135	26	13	systems	system	NOUN
faba-135	26	14	of	of	ADP
faba-135	26	15	the	the	DET
faba-135	26	16	cee	cee	NOUN
faba-135	26	17	countries	country	NOUN
faba-135	26	18	.	.	PUNCT
faba-135	27	1	the	the	DET
faba-135	27	2	last	last	ADJ
faba-135	27	3	section	section	NOUN
faba-135	27	4	presents	present	VERB
faba-135	27	5	the	the	DET
faba-135	27	6	main	main	ADJ
faba-135	27	7	findings	finding	NOUN
faba-135	27	8	of	of	ADP
faba-135	27	9	the	the	DET
faba-135	27	10	study	study	NOUN
faba-135	27	11	and	and	CCONJ
faba-135	27	12	future	future	ADJ
faba-135	27	13	research	research	NOUN
faba-135	27	14	directions	direction	NOUN
faba-135	27	15	.	.	PUNCT
faba-135	28	1	literature	literature	NOUN
faba-135	28	2	review	review	VERB
faba-135	28	3	there	there	PRON
faba-135	28	4	are	be	VERB
faba-135	28	5	a	a	DET
faba-135	28	6	lot	lot	NOUN
faba-135	28	7	of	of	ADP
faba-135	28	8	studies	study	NOUN
faba-135	28	9	in	in	ADP
faba-135	28	10	the	the	DET
faba-135	28	11	economic	economic	ADJ
faba-135	28	12	literature	literature	NOUN
faba-135	28	13	dealing	deal	VERB
faba-135	28	14	with	with	ADP
faba-135	28	15	the	the	DET
faba-135	28	16	dynamics	dynamic	NOUN
faba-135	28	17	of	of	ADP
faba-135	28	18	credit	credit	NOUN
faba-135	28	19	provided	provide	VERB
faba-135	28	20	by	by	ADP
faba-135	28	21	banks	bank	NOUN
faba-135	28	22	to	to	ADP
faba-135	28	23	the	the	DET
faba-135	28	24	private	private	ADJ
faba-135	28	25	sector	sector	NOUN
faba-135	28	26	,	,	PUNCT
faba-135	28	27	as	as	ADV
faba-135	28	28	well	well	ADV
faba-135	28	29	as	as	ADP
faba-135	28	30	dealing	deal	VERB
faba-135	28	31	with	with	ADP
faba-135	28	32	the	the	DET
faba-135	28	33	development	development	NOUN
faba-135	28	34	of	of	ADP
faba-135	28	35	banking	banking	NOUN
faba-135	28	36	systems	system	NOUN
faba-135	28	37	.	.	PUNCT
faba-135	29	1	two	two	NUM
faba-135	29	2	groups	group	NOUN
faba-135	29	3	can	can	AUX
faba-135	29	4	be	be	AUX
faba-135	29	5	distinguished	distinguish	VERB
faba-135	29	6	among	among	ADP
faba-135	29	7	the	the	DET
faba-135	29	8	studies	study	NOUN
faba-135	29	9	in	in	ADP
faba-135	29	10	respect	respect	NOUN
faba-135	29	11	to	to	ADP
faba-135	29	12	the	the	DET
faba-135	29	13	analised	analise	VERB
faba-135	29	14	countries	country	NOUN
faba-135	29	15	.	.	PUNCT
faba-135	30	1	on	on	ADP
faba-135	30	2	the	the	DET
faba-135	30	3	one	one	NUM
faba-135	30	4	hand	hand	NOUN
faba-135	30	5	,	,	PUNCT
faba-135	30	6	these	these	PRON
faba-135	30	7	are	be	AUX
faba-135	30	8	studies	study	NOUN
faba-135	30	9	concerning	concern	VERB
faba-135	30	10	the	the	DET
faba-135	30	11	development	development	NOUN
faba-135	30	12	of	of	ADP
faba-135	30	13	credit	credit	NOUN
faba-135	30	14	and	and	CCONJ
faba-135	30	15	the	the	DET
faba-135	30	16	banking	banking	NOUN
faba-135	30	17	sector	sector	NOUN
faba-135	30	18	in	in	ADP
faba-135	30	19	an	an	DET
faba-135	30	20	individual	individual	ADJ
faba-135	30	21	country	country	NOUN
faba-135	30	22	(	(	PUNCT
faba-135	30	23	vachkov	vachkov	NOUN
faba-135	30	24	,	,	PUNCT
faba-135	30	25	georgiev	georgiev	NOUN
faba-135	30	26	,	,	PUNCT
faba-135	30	27	valkanov	valkanov	NOUN
faba-135	30	28	and	and	CCONJ
faba-135	30	29	yambolov	yambolov	NOUN
faba-135	30	30	2017	2017	NUM
faba-135	30	31	;	;	PUNCT
faba-135	30	32	dimitrov	dimitrov	PROPN
faba-135	30	33	2018	2018	NUM
faba-135	30	34	;	;	PUNCT
faba-135	30	35	mihaylova	mihaylova	X
faba-135	30	36	-	-	PUNCT
faba-135	30	37	borisova	borisova	NOUN
faba-135	30	38	2021a	2021a	NUM
faba-135	30	39	;	;	PUNCT
faba-135	30	40	sariiski	sariiski	PROPN
faba-135	30	41	2011	2011	NUM
faba-135	30	42	)	)	PUNCT
faba-135	30	43	,	,	PUNCT
faba-135	30	44	and	and	CCONJ
faba-135	30	45	on	on	ADP
faba-135	30	46	the	the	DET
faba-135	30	47	other	other	ADJ
faba-135	30	48	hand	hand	NOUN
faba-135	30	49	,	,	PUNCT
faba-135	30	50	these	these	PRON
faba-135	30	51	are	be	AUX
faba-135	30	52	studies	study	NOUN
faba-135	30	53	related	relate	VERB
faba-135	30	54	to	to	ADP
faba-135	30	55	the	the	DET
faba-135	30	56	dynamics	dynamic	NOUN
faba-135	30	57	of	of	ADP
faba-135	30	58	credit	credit	NOUN
faba-135	30	59	in	in	ADP
faba-135	30	60	several	several	ADJ
faba-135	30	61	countries	country	NOUN
faba-135	30	62	with	with	ADP
faba-135	30	63	similar	similar	ADJ
faba-135	30	64	development	development	NOUN
faba-135	30	65	(	(	PUNCT
faba-135	30	66	kiss	kiss	VERB
faba-135	30	67	et	et	PROPN
faba-135	30	68	al	al	PROPN
faba-135	30	69	.	.	PROPN
faba-135	30	70	2006	2006	NUM
faba-135	30	71	;	;	PUNCT
faba-135	30	72	aydin	aydin	VERB
faba-135	30	73	2008	2008	NUM
faba-135	30	74	;	;	PUNCT
faba-135	31	1	enoch	enoch	PROPN
faba-135	31	2	and	and	CCONJ
faba-135	31	3	otker	otker	NOUN
faba-135	31	4	-	-	PUNCT
faba-135	31	5	robe	robe	NOUN
faba-135	31	6	2007	2007	NUM
faba-135	31	7	)	)	PUNCT
faba-135	31	8	.	.	PUNCT
faba-135	32	1	studies	study	NOUN
faba-135	32	2	on	on	ADP
faba-135	32	3	the	the	DET
faba-135	32	4	performance	performance	NOUN
faba-135	32	5	of	of	ADP
faba-135	32	6	the	the	DET
faba-135	32	7	banking	banking	NOUN
faba-135	32	8	system	system	NOUN
faba-135	32	9	in	in	ADP
faba-135	32	10	bulgaria	bulgaria	PROPN
faba-135	32	11	use	use	VERB
faba-135	32	12	a	a	DET
faba-135	32	13	number	number	NOUN
faba-135	32	14	of	of	ADP
faba-135	32	15	indicators	indicator	NOUN
faba-135	32	16	characterizing	characterize	VERB
faba-135	32	17	banks	bank	NOUN
faba-135	32	18	.	.	PUNCT
faba-135	33	1	vachkov	vachkov	PROPN
faba-135	33	2	,	,	PUNCT
faba-135	33	3	georgiev	georgiev	NOUN
faba-135	33	4	,	,	PUNCT
faba-135	33	5	valkanov	valkanov	NOUN
faba-135	33	6	,	,	PUNCT
faba-135	33	7	and	and	CCONJ
faba-135	33	8	yambolov	yambolov	NOUN
faba-135	33	9	(	(	PUNCT
faba-135	33	10	2017	2017	NUM
faba-135	33	11	)	)	PUNCT
faba-135	33	12	analyze	analyze	VERB
faba-135	33	13	the	the	DET
faba-135	33	14	banking	banking	NOUN
faba-135	33	15	system	system	NOUN
faba-135	33	16	stability	stability	NOUN
faba-135	33	17	by	by	ADP
faba-135	33	18	focusing	focus	VERB
faba-135	33	19	on	on	ADP
faba-135	33	20	the	the	DET
faba-135	33	21	asset	asset	NOUN
faba-135	33	22	quality	quality	NOUN
faba-135	33	23	,	,	PUNCT
faba-135	33	24	liquidity	liquidity	NOUN
faba-135	33	25	position	position	NOUN
faba-135	33	26	of	of	ADP
faba-135	33	27	banks	bank	NOUN
faba-135	33	28	and	and	CCONJ
faba-135	33	29	their	their	PRON
faba-135	33	30	solvency	solvency	NOUN
faba-135	33	31	.	.	PUNCT
faba-135	34	1	in	in	ADP
faba-135	34	2	analysing	analyse	VERB
faba-135	34	3	the	the	DET
faba-135	34	4	development	development	NOUN
faba-135	34	5	of	of	ADP
faba-135	34	6	the	the	DET
faba-135	34	7	banks	bank	NOUN
faba-135	34	8	,	,	PUNCT
faba-135	34	9	the	the	DET
faba-135	34	10	researchers	researcher	NOUN
faba-135	34	11	also	also	ADV
faba-135	34	12	considered	consider	VERB
faba-135	34	13	the	the	DET
faba-135	34	14	crises	crisis	NOUN
faba-135	34	15	impact	impact	NOUN
faba-135	34	16	in	in	ADP
faba-135	34	17	the	the	DET
faba-135	34	18	last	last	ADJ
faba-135	34	19	years	year	NOUN
faba-135	34	20	the	the	DET
faba-135	34	21	international	international	ADJ
faba-135	34	22	financial	financial	ADJ
faba-135	34	23	crisis	crisis	NOUN
faba-135	34	24	in	in	ADP
faba-135	34	25	2008	2008	NUM
faba-135	34	26	and	and	CCONJ
faba-135	34	27	the	the	DET
faba-135	34	28	covid-19	covid-19	PROPN
faba-135	34	29	crisis	crisis	NOUN
faba-135	34	30	.	.	PUNCT
faba-135	35	1	in	in	ADP
faba-135	35	2	this	this	DET
faba-135	35	3	regard	regard	NOUN
faba-135	35	4	,	,	PUNCT
faba-135	35	5	dimitrov	dimitrov	X
faba-135	35	6	(	(	PUNCT
faba-135	35	7	2018	2018	NUM
faba-135	35	8	)	)	PUNCT
faba-135	35	9	examines	examine	VERB
faba-135	35	10	the	the	DET
faba-135	35	11	influence	influence	NOUN
faba-135	35	12	of	of	ADP
faba-135	35	13	the	the	DET
faba-135	35	14	international	international	ADJ
faba-135	35	15	crisis	crisis	NOUN
faba-135	35	16	in	in	ADP
faba-135	35	17	2008	2008	NUM
faba-135	35	18	on	on	ADP
faba-135	35	19	the	the	DET
faba-135	35	20	stability	stability	NOUN
faba-135	35	21	of	of	ADP
faba-135	35	22	bulgarian	bulgarian	ADJ
faba-135	35	23	banks	bank	NOUN
faba-135	35	24	,	,	PUNCT
faba-135	35	25	concluding	conclude	VERB
faba-135	35	26	that	that	SCONJ
faba-135	35	27	they	they	PRON
faba-135	35	28	are	be	AUX
faba-135	35	29	highly	highly	ADV
faba-135	35	30	liquid	liquid	ADJ
faba-135	35	31	and	and	CCONJ
faba-135	35	32	maintain	maintain	VERB
faba-135	35	33	their	their	PRON
faba-135	35	34	high	high	ADJ
faba-135	35	35	capital	capital	NOUN
faba-135	35	36	adequacy	adequacy	NOUN
faba-135	35	37	.	.	PUNCT
faba-135	36	1	sariiski	sariiski	PROPN
faba-135	36	2	(	(	PUNCT
faba-135	36	3	2011	2011	NUM
faba-135	36	4	)	)	PUNCT
faba-135	36	5	also	also	ADV
faba-135	36	6	analyses	analyse	VERB
faba-135	36	7	the	the	DET
faba-135	36	8	impact	impact	NOUN
faba-135	36	9	of	of	ADP
faba-135	36	10	the	the	DET
faba-135	36	11	crisis	crisis	NOUN
faba-135	36	12	on	on	ADP
faba-135	36	13	the	the	DET
faba-135	36	14	banking	banking	NOUN
faba-135	36	15	system	system	NOUN
faba-135	36	16	in	in	ADP
faba-135	36	17	bulgaria	bulgaria	PROPN
faba-135	36	18	.	.	PUNCT
faba-135	37	1	the	the	DET
faba-135	37	2	study	study	NOUN
faba-135	37	3	concluded	conclude	VERB
faba-135	37	4	that	that	SCONJ
faba-135	37	5	bulgarian	bulgarian	ADJ
faba-135	37	6	banks	bank	NOUN
faba-135	37	7	were	be	AUX
faba-135	37	8	not	not	PART
faba-135	37	9	largely	largely	ADV
faba-135	37	10	influenced	influence	VERB
faba-135	37	11	by	by	ADP
faba-135	37	12	the	the	DET
faba-135	37	13	crisis	crisis	NOUN
faba-135	37	14	.	.	PUNCT
faba-135	38	1	mihaylova	mihaylova	PROPN
faba-135	38	2	-	-	PUNCT
faba-135	38	3	borisova	borisova	NOUN
faba-135	38	4	(	(	PUNCT
faba-135	38	5	2021a	2021a	NUM
faba-135	38	6	)	)	PUNCT
faba-135	38	7	examines	examine	VERB
faba-135	38	8	the	the	DET
faba-135	38	9	impact	impact	NOUN
faba-135	38	10	of	of	ADP
faba-135	38	11	the	the	DET
faba-135	38	12	covid-19	covid-19	PROPN
faba-135	38	13	crisis	crisis	NOUN
faba-135	38	14	on	on	ADP
faba-135	38	15	the	the	DET
faba-135	38	16	bulgarian	bulgarian	ADJ
faba-135	38	17	banking	banking	NOUN
faba-135	38	18	sector	sector	NOUN
faba-135	38	19	.	.	PUNCT
faba-135	39	1	it	it	PRON
faba-135	39	2	concludes	conclude	VERB
faba-135	39	3	that	that	SCONJ
faba-135	39	4	banks	bank	NOUN
faba-135	39	5	are	be	AUX
faba-135	39	6	more	more	ADV
faba-135	39	7	stable	stable	ADJ
faba-135	39	8	than	than	ADP
faba-135	39	9	during	during	ADP
faba-135	39	10	the	the	DET
faba-135	39	11	international	international	ADJ
faba-135	39	12	financial	financial	ADJ
faba-135	39	13	crisis	crisis	NOUN
faba-135	39	14	in	in	ADP
faba-135	39	15	2008	2008	NUM
faba-135	39	16	.	.	PUNCT
faba-135	40	1	in	in	ADP
faba-135	40	2	addition	addition	NOUN
faba-135	40	3	to	to	ADP
faba-135	40	4	studies	study	NOUN
faba-135	40	5	on	on	ADP
faba-135	40	6	the	the	DET
faba-135	40	7	stability	stability	NOUN
faba-135	40	8	of	of	ADP
faba-135	40	9	the	the	DET
faba-135	40	10	banking	banking	NOUN
faba-135	40	11	system	system	NOUN
faba-135	40	12	in	in	ADP
faba-135	40	13	bulgaria	bulgaria	PROPN
faba-135	40	14	,	,	PUNCT
faba-135	40	15	there	there	PRON
faba-135	40	16	are	be	VERB
faba-135	40	17	those	those	PRON
faba-135	40	18	that	that	PRON
faba-135	40	19	calculate	calculate	VERB
faba-135	40	20	and	and	CCONJ
faba-135	40	21	analyze	analyze	VERB
faba-135	40	22	the	the	DET
faba-135	40	23	bank	bank	NOUN
faba-135	40	24	efficiency	efficiency	NOUN
faba-135	40	25	dynamics	dynamic	NOUN
faba-135	40	26	(	(	PUNCT
faba-135	40	27	borisov	borisov	PROPN
faba-135	40	28	2017	2017	NUM
faba-135	40	29	;	;	PUNCT
faba-135	40	30	borisov	borisov	PROPN
faba-135	40	31	2020	2020	NUM
faba-135	40	32	;	;	PUNCT
faba-135	40	33	nenovsky	nenovsky	ADJ
faba-135	40	34	,	,	PUNCT
faba-135	40	35	mihaylova	mihaylova	X
faba-135	40	36	,	,	PUNCT
faba-135	40	37	chobanov	chobanov	PROPN
faba-135	40	38	and	and	CCONJ
faba-135	40	39	koleva	koleva	PROPN
faba-135	40	40	2008	2008	NUM
faba-135	40	41	)	)	PUNCT
faba-135	40	42	.	.	PUNCT
faba-135	41	1	tsanevska	tsanevska	NOUN
faba-135	41	2	(	(	PUNCT
faba-135	41	3	2017	2017	NUM
faba-135	41	4	)	)	PUNCT
faba-135	41	5	,	,	PUNCT
faba-135	41	6	vasileva	vasileva	X
faba-135	41	7	(	(	PUNCT
faba-135	41	8	2017	2017	NUM
faba-135	41	9	)	)	PUNCT
faba-135	41	10	,	,	PUNCT
faba-135	41	11	peshev	peshev	NOUN
faba-135	41	12	(	(	PUNCT
faba-135	41	13	2014	2014	NUM
faba-135	41	14	)	)	PUNCT
faba-135	41	15	analyze	analyze	VERB
faba-135	41	16	the	the	DET
faba-135	41	17	lending	lending	NOUN
faba-135	41	18	activity	activity	NOUN
faba-135	41	19	of	of	ADP
faba-135	41	20	bulgarian	bulgarian	ADJ
faba-135	41	21	banks	bank	NOUN
faba-135	41	22	.	.	PUNCT
faba-135	42	1	peshev	peshev	PROPN
faba-135	42	2	(	(	PUNCT
faba-135	42	3	2014	2014	NUM
faba-135	42	4	)	)	PUNCT
faba-135	42	5	examines	examine	VERB
faba-135	42	6	the	the	DET
faba-135	42	7	factors	factor	NOUN
faba-135	42	8	that	that	PRON
faba-135	42	9	affect	affect	VERB
faba-135	42	10	the	the	DET
faba-135	42	11	demand	demand	NOUN
faba-135	42	12	for	for	ADP
faba-135	42	13	credit	credit	NOUN
faba-135	42	14	in	in	ADP
faba-135	42	15	several	several	ADJ
faba-135	42	16	eu	eu	PROPN
faba-135	42	17	countries	country	NOUN
faba-135	42	18	but	but	CCONJ
faba-135	42	19	outside	outside	ADP
faba-135	42	20	the	the	DET
faba-135	42	21	euro	euro	PROPN
faba-135	42	22	area	area	NOUN
faba-135	42	23	.	.	PUNCT
faba-135	43	1	the	the	DET
faba-135	43	2	period	period	NOUN
faba-135	43	3	of	of	ADP
faba-135	43	4	analysis	analysis	NOUN
faba-135	43	5	is	be	AUX
faba-135	43	6	from	from	ADP
faba-135	43	7	2008	2008	NUM
faba-135	43	8	to	to	ADP
faba-135	43	9	2012	2012	NUM
faba-135	43	10	.	.	PUNCT
faba-135	44	1	the	the	DET
faba-135	44	2	result	result	NOUN
faba-135	44	3	showed	show	VERB
faba-135	44	4	that	that	SCONJ
faba-135	44	5	the	the	DET
faba-135	44	6	significant	significant	ADJ
faba-135	44	7	impact	impact	NOUN
faba-135	44	8	of	of	ADP
faba-135	44	9	economic	economic	ADJ
faba-135	44	10	activity	activity	NOUN
faba-135	44	11	on	on	ADP
faba-135	44	12	credit	credit	NOUN
faba-135	44	13	demand	demand	NOUN
faba-135	44	14	is	be	AUX
faba-135	44	15	proved	prove	VERB
faba-135	44	16	.	.	PUNCT
faba-135	45	1	among	among	ADP
faba-135	45	2	the	the	DET
faba-135	45	3	group	group	NOUN
faba-135	45	4	of	of	ADP
faba-135	45	5	comparative	comparative	ADJ
faba-135	45	6	studies	study	NOUN
faba-135	45	7	on	on	ADP
faba-135	45	8	banking	banking	NOUN
faba-135	45	9	systems	system	NOUN
faba-135	45	10	is	be	AUX
faba-135	45	11	that	that	PRON
faba-135	45	12	of	of	ADP
faba-135	45	13	kiss	kiss	NOUN
faba-135	45	14	et	et	PROPN
faba-135	45	15	al	al	PROPN
faba-135	45	16	.	.	PROPN
faba-135	46	1	(	(	PUNCT
faba-135	46	2	2006	2006	NUM
faba-135	46	3	)	)	PUNCT
faba-135	46	4	.	.	PUNCT
faba-135	47	1	the	the	DET
faba-135	47	2	authors	author	NOUN
faba-135	47	3	investigate	investigate	VERB
faba-135	47	4	whether	whether	SCONJ
faba-135	47	5	the	the	DET
faba-135	47	6	cee	cee	NOUN
faba-135	47	7	countries	country	NOUN
faba-135	47	8	are	be	AUX
faba-135	47	9	experiencing	experience	VERB
faba-135	47	10	a	a	DET
faba-135	47	11	more	more	ADV
faba-135	47	12	serious	serious	ADJ
faba-135	47	13	increase	increase	NOUN
faba-135	47	14	in	in	ADP
faba-135	47	15	lending	lending	NOUN
faba-135	47	16	due	due	ADP
faba-135	47	17	to	to	ADP
faba-135	47	18	convergence	convergence	NOUN
faba-135	47	19	towards	towards	ADP
faba-135	47	20	the	the	DET
faba-135	47	21	euro	euro	PROPN
faba-135	47	22	area	area	NOUN
faba-135	47	23	countries	country	NOUN
faba-135	47	24	,	,	PUNCT
faba-135	47	25	or	or	CCONJ
faba-135	47	26	whether	whether	SCONJ
faba-135	47	27	this	this	DET
faba-135	47	28	increase	increase	NOUN
faba-135	47	29	in	in	ADP
faba-135	47	30	lending	lending	NOUN
faba-135	47	31	is	be	AUX
faba-135	47	32	more	more	ADV
faba-135	47	33	related	related	ADJ
faba-135	47	34	to	to	ADP
faba-135	47	35	a	a	DET
faba-135	47	36	credit	credit	NOUN
faba-135	47	37	boom	boom	NOUN
faba-135	47	38	that	that	PRON
faba-135	47	39	poses	pose	VERB
faba-135	47	40	a	a	DET
faba-135	47	41	risk	risk	NOUN
faba-135	47	42	to	to	ADP
faba-135	47	43	the	the	DET
faba-135	47	44	financial	financial	ADJ
faba-135	47	45	stability	stability	NOUN
faba-135	47	46	of	of	ADP
faba-135	47	47	the	the	DET
faba-135	47	48	countries	country	NOUN
faba-135	47	49	.	.	PUNCT
faba-135	48	1	for	for	ADP
faba-135	48	2	this	this	DET
faba-135	48	3	purpose	purpose	NOUN
faba-135	48	4	,	,	PUNCT
faba-135	48	5	the	the	DET
faba-135	48	6	researchers	researcher	NOUN
faba-135	48	7	use	use	VERB
faba-135	48	8	data	datum	NOUN
faba-135	48	9	for	for	ADP
faba-135	48	10	the	the	DET
faba-135	48	11	new	new	ADJ
faba-135	48	12	eu	eu	PROPN
faba-135	48	13	member	member	PROPN
faba-135	48	14	states	state	NOUN
faba-135	48	15	including	include	VERB
faba-135	48	16	(	(	PUNCT
faba-135	48	17	estonia	estonia	PROPN
faba-135	48	18	,	,	PUNCT
faba-135	48	19	lithuania	lithuania	PROPN
faba-135	48	20	,	,	PUNCT
faba-135	48	21	latvia	latvia	PROPN
faba-135	48	22	,	,	PUNCT
faba-135	48	23	czech	czech	PROPN
faba-135	48	24	republic	republic	PROPN
faba-135	48	25	,	,	PUNCT
faba-135	48	26	slovakia	slovakia	PROPN
faba-135	48	27	,	,	PUNCT
faba-135	48	28	slovenia	slovenia	PROPN
faba-135	48	29	,	,	PUNCT
faba-135	48	30	finance	finance	NOUN
faba-135	48	31	,	,	PUNCT
faba-135	48	32	accounting	accounting	NOUN
faba-135	48	33	and	and	CCONJ
faba-135	48	34	business	business	NOUN
faba-135	48	35	analysis	analysis	NOUN
faba-135	48	36	4	4	NUM
faba-135	48	37	(	(	PUNCT
faba-135	48	38	2	2	NUM
faba-135	48	39	)	)	PUNCT
faba-135	48	40	2022	2022	NUM
faba-135	48	41	92	92	NUM
faba-135	48	42	hungary	hungary	NOUN
faba-135	48	43	,	,	PUNCT
faba-135	48	44	poland	poland	PROPN
faba-135	48	45	)	)	PUNCT
faba-135	48	46	applying	apply	VERB
faba-135	48	47	a	a	DET
faba-135	48	48	panel	panel	NOUN
faba-135	48	49	econometric	econometric	ADJ
faba-135	48	50	model	model	NOUN
faba-135	48	51	for	for	ADP
faba-135	48	52	the	the	DET
faba-135	48	53	purpose	purpose	NOUN
faba-135	48	54	of	of	ADP
faba-135	48	55	separating	separate	VERB
faba-135	48	56	the	the	DET
faba-135	48	57	equilibrium	equilibrium	NOUN
faba-135	48	58	trend	trend	NOUN
faba-135	48	59	and	and	CCONJ
faba-135	48	60	the	the	DET
faba-135	48	61	excess	excess	ADJ
faba-135	48	62	(	(	PUNCT
faba-135	48	63	boom	boom	NOUN
faba-135	48	64	)	)	PUNCT
faba-135	48	65	component	component	NOUN
faba-135	48	66	.	.	PUNCT
faba-135	49	1	the	the	DET
faba-135	49	2	results	result	NOUN
faba-135	49	3	pointed	point	VERB
faba-135	49	4	out	out	ADP
faba-135	49	5	that	that	SCONJ
faba-135	49	6	for	for	ADP
faba-135	49	7	most	most	ADJ
faba-135	49	8	countries	country	NOUN
faba-135	49	9	the	the	DET
faba-135	49	10	credit	credit	NOUN
faba-135	49	11	-	-	PUNCT
faba-135	49	12	to	to	ADP
faba-135	49	13	-	-	PUNCT
faba-135	49	14	gdp	gdp	NOUN
faba-135	49	15	ratio	ratio	NOUN
faba-135	49	16	appears	appear	VERB
faba-135	49	17	to	to	PART
faba-135	49	18	be	be	AUX
faba-135	49	19	below	below	ADP
faba-135	49	20	the	the	DET
faba-135	49	21	level	level	NOUN
faba-135	49	22	justified	justify	VERB
faba-135	49	23	by	by	ADP
faba-135	49	24	macroeconomic	macroeconomic	ADJ
faba-135	49	25	fundamentals	fundamental	NOUN
faba-135	49	26	.	.	PUNCT
faba-135	50	1	for	for	ADP
faba-135	50	2	two	two	NUM
faba-135	50	3	countries	country	NOUN
faba-135	50	4	,	,	PUNCT
faba-135	50	5	latvia	latvia	PROPN
faba-135	50	6	and	and	CCONJ
faba-135	50	7	estonia	estonia	PROPN
faba-135	50	8	,	,	PUNCT
faba-135	50	9	the	the	DET
faba-135	50	10	increase	increase	NOUN
faba-135	50	11	in	in	ADP
faba-135	50	12	this	this	DET
faba-135	50	13	ratio	ratio	NOUN
faba-135	50	14	is	be	AUX
faba-135	50	15	found	find	VERB
faba-135	50	16	to	to	PART
faba-135	50	17	be	be	AUX
faba-135	50	18	beyond	beyond	ADP
faba-135	50	19	the	the	DET
faba-135	50	20	equilibrium	equilibrium	NOUN
faba-135	50	21	level	level	NOUN
faba-135	50	22	in	in	ADP
faba-135	50	23	the	the	DET
faba-135	50	24	years	year	NOUN
faba-135	50	25	2004	2004	NUM
faba-135	50	26	-	-	SYM
faba-135	50	27	2005	2005	NUM
faba-135	50	28	.	.	PUNCT
faba-135	51	1	for	for	ADP
faba-135	51	2	this	this	DET
faba-135	51	3	reason	reason	NOUN
faba-135	51	4	,	,	PUNCT
faba-135	51	5	credit	credit	NOUN
faba-135	51	6	growth	growth	NOUN
faba-135	51	7	in	in	ADP
faba-135	51	8	estonia	estonia	PROPN
faba-135	51	9	and	and	CCONJ
faba-135	51	10	latvia	latvia	PROPN
faba-135	51	11	is	be	AUX
faba-135	51	12	considered	consider	VERB
faba-135	51	13	to	to	PART
faba-135	51	14	be	be	AUX
faba-135	51	15	riskier	risky	ADJ
faba-135	51	16	,	,	PUNCT
faba-135	51	17	while	while	SCONJ
faba-135	51	18	there	there	PRON
faba-135	51	19	are	be	VERB
faba-135	51	20	no	no	DET
faba-135	51	21	signs	sign	NOUN
faba-135	51	22	of	of	ADP
faba-135	51	23	excess	excess	ADJ
faba-135	51	24	credit	credit	NOUN
faba-135	51	25	growth	growth	NOUN
faba-135	51	26	for	for	ADP
faba-135	51	27	the	the	DET
faba-135	51	28	czech	czech	PROPN
faba-135	51	29	republic	republic	NOUN
faba-135	51	30	,	,	PUNCT
faba-135	51	31	slovakia	slovakia	PROPN
faba-135	51	32	and	and	CCONJ
faba-135	51	33	poland	poland	PROPN
faba-135	51	34	(	(	PUNCT
faba-135	51	35	kiss	kiss	VERB
faba-135	51	36	et	et	PROPN
faba-135	51	37	al	al	PROPN
faba-135	51	38	.	.	PROPN
faba-135	52	1	(	(	PUNCT
faba-135	52	2	2006	2006	NUM
faba-135	52	3	)	)	PUNCT
faba-135	52	4	,	,	PUNCT
faba-135	53	1	p.	p.	NOUN
faba-135	53	2	23	23	NUM
faba-135	53	3	)	)	PUNCT
faba-135	53	4	.	.	PUNCT
faba-135	54	1	aydin	aydin	NOUN
faba-135	54	2	(	(	PUNCT
faba-135	54	3	2008	2008	NUM
faba-135	54	4	)	)	PUNCT
faba-135	54	5	examines	examine	VERB
faba-135	54	6	the	the	DET
faba-135	54	7	importance	importance	NOUN
faba-135	54	8	of	of	ADP
faba-135	54	9	foreign	foreign	ADJ
faba-135	54	10	banks	bank	NOUN
faba-135	54	11	in	in	ADP
faba-135	54	12	the	the	DET
faba-135	54	13	credit	credit	NOUN
faba-135	54	14	boom	boom	NOUN
faba-135	54	15	in	in	ADP
faba-135	54	16	central	central	ADJ
faba-135	54	17	and	and	CCONJ
faba-135	54	18	eastern	eastern	ADJ
faba-135	54	19	european	european	ADJ
faba-135	54	20	countries	country	NOUN
faba-135	54	21	.	.	PUNCT
faba-135	55	1	the	the	DET
faba-135	55	2	results	result	NOUN
faba-135	55	3	show	show	VERB
faba-135	55	4	that	that	SCONJ
faba-135	55	5	they	they	PRON
faba-135	55	6	are	be	AUX
faba-135	55	7	essential	essential	ADJ
faba-135	55	8	for	for	ADP
faba-135	55	9	credit	credit	NOUN
faba-135	55	10	growth	growth	NOUN
faba-135	55	11	in	in	ADP
faba-135	55	12	these	these	DET
faba-135	55	13	countries	country	NOUN
faba-135	55	14	.	.	PUNCT
faba-135	56	1	banking	banking	NOUN
faba-135	56	2	sector	sector	NOUN
faba-135	56	3	credit	credit	NOUN
faba-135	56	4	activity	activity	NOUN
faba-135	56	5	in	in	ADP
faba-135	56	6	the	the	DET
faba-135	56	7	countries	country	NOUN
faba-135	56	8	analysed	analyse	VERB
faba-135	56	9	depends	depend	VERB
faba-135	56	10	on	on	ADP
faba-135	56	11	foreign	foreign	ADJ
faba-135	56	12	banks	bank	NOUN
faba-135	56	13	,	,	PUNCT
faba-135	56	14	for	for	ADP
faba-135	56	15	which	which	PRON
faba-135	56	16	economic	economic	ADJ
faba-135	56	17	activity	activity	NOUN
faba-135	56	18	and	and	CCONJ
faba-135	56	19	interest	interest	NOUN
faba-135	56	20	margin	margin	NOUN
faba-135	56	21	are	be	AUX
faba-135	56	22	determinants	determinant	NOUN
faba-135	56	23	.	.	PUNCT
faba-135	57	1	emoch	emoch	NOUN
faba-135	57	2	and	and	CCONJ
faba-135	57	3	otker	otker	NOUN
faba-135	57	4	-	-	PUNCT
faba-135	57	5	robe	robe	NOUN
faba-135	57	6	(	(	PUNCT
faba-135	57	7	2007	2007	NUM
faba-135	57	8	)	)	PUNCT
faba-135	57	9	also	also	ADV
faba-135	57	10	investigate	investigate	VERB
faba-135	57	11	the	the	DET
faba-135	57	12	concept	concept	NOUN
faba-135	57	13	of	of	ADP
faba-135	57	14	excessive	excessive	ADJ
faba-135	57	15	growth	growth	NOUN
faba-135	57	16	of	of	ADP
faba-135	57	17	credit	credit	NOUN
faba-135	57	18	in	in	ADP
faba-135	57	19	central	central	ADJ
faba-135	57	20	and	and	CCONJ
faba-135	57	21	eastern	eastern	ADJ
faba-135	57	22	european	european	ADJ
faba-135	57	23	countries	country	NOUN
faba-135	57	24	.	.	PUNCT
faba-135	58	1	the	the	DET
faba-135	58	2	credit	credit	NOUN
faba-135	58	3	dynamics	dynamic	NOUN
faba-135	58	4	for	for	ADP
faba-135	58	5	each	each	DET
faba-135	58	6	country	country	NOUN
faba-135	58	7	over	over	ADP
faba-135	58	8	a	a	DET
faba-135	58	9	longer	long	ADJ
faba-135	58	10	period	period	NOUN
faba-135	58	11	,	,	PUNCT
faba-135	58	12	before	before	SCONJ
faba-135	58	13	the	the	DET
faba-135	58	14	international	international	ADJ
faba-135	58	15	financial	financial	ADJ
faba-135	58	16	crisis	crisis	NOUN
faba-135	58	17	in	in	ADP
faba-135	58	18	2008	2008	NUM
faba-135	58	19	is	be	AUX
faba-135	58	20	also	also	ADV
faba-135	58	21	analysed	analyse	VERB
faba-135	58	22	.	.	PUNCT
faba-135	59	1	overall	overall	ADV
faba-135	59	2	,	,	PUNCT
faba-135	59	3	for	for	ADP
faba-135	59	4	the	the	DET
faba-135	59	5	period	period	NOUN
faba-135	59	6	1996	1996	NUM
faba-135	59	7	-	-	SYM
faba-135	59	8	2004	2004	NUM
faba-135	59	9	,	,	PUNCT
faba-135	59	10	this	this	DET
faba-135	59	11	indicator	indicator	NOUN
faba-135	59	12	was	be	AUX
faba-135	59	13	at	at	ADP
faba-135	59	14	a	a	DET
faba-135	59	15	much	much	ADV
faba-135	59	16	lower	low	ADJ
faba-135	59	17	level	level	NOUN
faba-135	59	18	than	than	ADP
faba-135	59	19	the	the	DET
faba-135	59	20	european	european	PROPN
faba-135	59	21	union	union	PROPN
faba-135	59	22	average	average	NOUN
faba-135	59	23	(	(	PUNCT
faba-135	59	24	emoch	emoch	NOUN
faba-135	59	25	and	and	CCONJ
faba-135	59	26	otker	otker	NOUN
faba-135	59	27	-	-	PUNCT
faba-135	59	28	robe	robe	NOUN
faba-135	59	29	2007	2007	NUM
faba-135	59	30	,	,	PUNCT
faba-135	59	31	p.	p.	NOUN
faba-135	59	32	54	54	NUM
faba-135	59	33	)	)	PUNCT
faba-135	59	34	.	.	PUNCT
faba-135	60	1	by	by	ADP
faba-135	60	2	1998	1998	NUM
faba-135	60	3	,	,	PUNCT
faba-135	60	4	the	the	DET
faba-135	60	5	countries	country	NOUN
faba-135	60	6	of	of	ADP
faba-135	60	7	central	central	ADJ
faba-135	60	8	and	and	CCONJ
faba-135	60	9	eastern	eastern	ADJ
faba-135	60	10	europe	europe	PROPN
faba-135	60	11	(	(	PUNCT
faba-135	60	12	bulgaria	bulgaria	PROPN
faba-135	60	13	,	,	PUNCT
faba-135	60	14	croatia	croatia	PROPN
faba-135	60	15	latvia	latvia	PROPN
faba-135	60	16	,	,	PUNCT
faba-135	60	17	lithuania	lithuania	PROPN
faba-135	60	18	,	,	PUNCT
faba-135	60	19	,	,	PUNCT
faba-135	60	20	estonia	estonia	PROPN
faba-135	60	21	,	,	PUNCT
faba-135	60	22	slovenia	slovenia	PROPN
faba-135	60	23	,	,	PUNCT
faba-135	60	24	hungary	hungary	PROPN
faba-135	60	25	,	,	PUNCT
faba-135	60	26	romania	romania	PROPN
faba-135	60	27	)	)	PUNCT
faba-135	60	28	had	have	VERB
faba-135	60	29	levels	level	NOUN
faba-135	60	30	of	of	ADP
faba-135	60	31	this	this	DET
faba-135	60	32	indicator	indicator	NOUN
faba-135	60	33	below	below	ADP
faba-135	60	34	40	40	NUM
faba-135	60	35	%	%	NOUN
faba-135	60	36	,	,	PUNCT
faba-135	60	37	with	with	ADP
faba-135	60	38	the	the	DET
faba-135	60	39	largest	large	ADJ
faba-135	60	40	value	value	NOUN
faba-135	60	41	in	in	ADP
faba-135	60	42	croatia	croatia	PROPN
faba-135	60	43	at	at	ADP
faba-135	60	44	40	40	NUM
faba-135	60	45	%	%	NOUN
faba-135	60	46	,	,	PUNCT
faba-135	60	47	while	while	SCONJ
faba-135	60	48	bulgaria	bulgaria	PROPN
faba-135	60	49	,	,	PUNCT
faba-135	60	50	romania	romania	PROPN
faba-135	60	51	,	,	PUNCT
faba-135	60	52	lithuania	lithuania	PROPN
faba-135	60	53	and	and	CCONJ
faba-135	60	54	latvia	latvia	PROPN
faba-135	60	55	had	have	VERB
faba-135	60	56	levels	level	NOUN
faba-135	60	57	below	below	ADP
faba-135	60	58	20	20	NUM
faba-135	60	59	%	%	NOUN
faba-135	60	60	.	.	PUNCT
faba-135	61	1	until	until	ADP
faba-135	61	2	1997	1997	NUM
faba-135	61	3	,	,	PUNCT
faba-135	61	4	the	the	DET
faba-135	61	5	majority	majority	NOUN
faba-135	61	6	of	of	ADP
faba-135	61	7	these	these	DET
faba-135	61	8	countries	country	NOUN
faba-135	61	9	'	'	PART
faba-135	61	10	loans	loan	NOUN
faba-135	61	11	were	be	AUX
faba-135	61	12	denominated	denominate	VERB
faba-135	61	13	in	in	ADP
faba-135	61	14	national	national	ADJ
faba-135	61	15	currency	currency	NOUN
faba-135	61	16	,	,	PUNCT
faba-135	61	17	with	with	ADP
faba-135	61	18	the	the	DET
faba-135	61	19	exception	exception	NOUN
faba-135	61	20	of	of	ADP
faba-135	61	21	latvia	latvia	PROPN
faba-135	61	22	and	and	CCONJ
faba-135	61	23	romania	romania	PROPN
faba-135	61	24	.	.	PUNCT
faba-135	62	1	in	in	ADP
faba-135	62	2	2004	2004	NUM
faba-135	62	3	,	,	PUNCT
faba-135	62	4	only	only	ADV
faba-135	62	5	croatia	croatia	PROPN
faba-135	62	6	and	and	CCONJ
faba-135	62	7	slovenia	slovenia	PROPN
faba-135	62	8	remained	remain	VERB
faba-135	62	9	with	with	ADP
faba-135	62	10	loans	loan	NOUN
faba-135	62	11	predominantly	predominantly	ADV
faba-135	62	12	denominated	denominate	VERB
faba-135	62	13	in	in	ADP
faba-135	62	14	local	local	ADJ
faba-135	62	15	currency	currency	NOUN
faba-135	62	16	around	around	ADP
faba-135	62	17	70	70	NUM
faba-135	62	18	-	-	SYM
faba-135	62	19	80	80	NUM
faba-135	62	20	%	%	NOUN
faba-135	62	21	of	of	ADP
faba-135	62	22	total	total	ADJ
faba-135	62	23	credits	credit	NOUN
faba-135	62	24	,	,	PUNCT
faba-135	62	25	while	while	SCONJ
faba-135	62	26	for	for	ADP
faba-135	62	27	most	most	ADJ
faba-135	62	28	countries	country	NOUN
faba-135	62	29	the	the	DET
faba-135	62	30	part	part	NOUN
faba-135	62	31	of	of	ADP
faba-135	62	32	loans	loan	NOUN
faba-135	62	33	in	in	ADP
faba-135	62	34	local	local	ADJ
faba-135	62	35	currency	currency	NOUN
faba-135	62	36	was	be	AUX
faba-135	62	37	below	below	ADP
faba-135	62	38	50	50	NUM
faba-135	62	39	%	%	NOUN
faba-135	62	40	in	in	ADP
faba-135	62	41	the	the	DET
faba-135	62	42	same	same	ADJ
faba-135	62	43	year	year	NOUN
faba-135	62	44	.	.	PUNCT
faba-135	63	1	as	as	ADP
faba-135	63	2	a	a	DET
faba-135	63	3	result	result	NOUN
faba-135	63	4	of	of	ADP
faba-135	63	5	the	the	DET
faba-135	63	6	literature	literature	PROPN
faba-135	63	7	review	review	PROPN
faba-135	63	8	,	,	PUNCT
faba-135	63	9	it	it	PRON
faba-135	63	10	worth	worth	ADJ
faba-135	63	11	to	to	PART
faba-135	63	12	be	be	AUX
faba-135	63	13	concluded	conclude	VERB
faba-135	63	14	that	that	SCONJ
faba-135	63	15	there	there	PRON
faba-135	63	16	are	be	VERB
faba-135	63	17	numerous	numerous	ADJ
faba-135	63	18	studies	study	NOUN
faba-135	63	19	on	on	ADP
faba-135	63	20	both	both	CCONJ
faba-135	63	21	the	the	DET
faba-135	63	22	development	development	NOUN
faba-135	63	23	of	of	ADP
faba-135	63	24	banking	banking	NOUN
faba-135	63	25	systems	system	NOUN
faba-135	63	26	for	for	ADP
faba-135	63	27	individual	individual	ADJ
faba-135	63	28	countries	country	NOUN
faba-135	63	29	and	and	CCONJ
faba-135	63	30	groups	group	NOUN
faba-135	63	31	of	of	ADP
faba-135	63	32	countries	country	NOUN
faba-135	63	33	and	and	CCONJ
faba-135	63	34	the	the	DET
faba-135	63	35	development	development	NOUN
faba-135	63	36	of	of	ADP
faba-135	63	37	credit	credit	NOUN
faba-135	63	38	in	in	ADP
faba-135	63	39	individual	individual	ADJ
faba-135	63	40	countries	country	NOUN
faba-135	63	41	and	and	CCONJ
faba-135	63	42	groups	group	NOUN
faba-135	63	43	of	of	ADP
faba-135	63	44	countries	country	NOUN
faba-135	63	45	.	.	PUNCT
faba-135	64	1	it	it	PRON
faba-135	64	2	is	be	AUX
faba-135	64	3	noteworthy	noteworthy	ADJ
faba-135	64	4	,	,	PUNCT
faba-135	64	5	however	however	ADV
faba-135	64	6	,	,	PUNCT
faba-135	64	7	that	that	SCONJ
faba-135	64	8	the	the	DET
faba-135	64	9	time	time	NOUN
faba-135	64	10	period	period	NOUN
faba-135	64	11	is	be	AUX
faba-135	64	12	very	very	ADV
faba-135	64	13	short	short	ADJ
faba-135	64	14	and	and	CCONJ
faba-135	64	15	covers	cover	VERB
faba-135	64	16	several	several	ADJ
faba-135	64	17	years	year	NOUN
faba-135	64	18	,	,	PUNCT
faba-135	64	19	i.e.	i.e.	X
faba-135	64	20	they	they	PRON
faba-135	64	21	concentrate	concentrate	VERB
faba-135	64	22	on	on	ADP
faba-135	64	23	periods	period	NOUN
faba-135	64	24	of	of	ADP
faba-135	64	25	rapid	rapid	ADJ
faba-135	64	26	credit	credit	NOUN
faba-135	64	27	growth	growth	NOUN
faba-135	64	28	,	,	PUNCT
faba-135	64	29	periods	period	NOUN
faba-135	64	30	of	of	ADP
faba-135	64	31	global	global	ADJ
faba-135	64	32	financial	financial	ADJ
faba-135	64	33	crisis	crisis	NOUN
faba-135	64	34	or	or	CCONJ
faba-135	64	35	pandemic	pandemic	ADJ
faba-135	64	36	crisis	crisis	NOUN
faba-135	64	37	.	.	PUNCT
faba-135	65	1	for	for	ADP
faba-135	65	2	this	this	DET
faba-135	65	3	reason	reason	NOUN
faba-135	65	4	,	,	PUNCT
faba-135	65	5	a	a	DET
faba-135	65	6	study	study	NOUN
faba-135	65	7	of	of	ADP
faba-135	65	8	the	the	DET
faba-135	65	9	dynamics	dynamic	NOUN
faba-135	65	10	of	of	ADP
faba-135	65	11	credit	credit	NOUN
faba-135	65	12	in	in	ADP
faba-135	65	13	the	the	DET
faba-135	65	14	central	central	ADJ
faba-135	65	15	and	and	CCONJ
faba-135	65	16	eastern	eastern	ADJ
faba-135	65	17	european	european	ADJ
faba-135	65	18	countries	country	NOUN
faba-135	65	19	for	for	ADP
faba-135	65	20	the	the	DET
faba-135	65	21	period	period	NOUN
faba-135	65	22	from	from	ADP
faba-135	65	23	2008	2008	NUM
faba-135	65	24	to	to	ADP
faba-135	65	25	the	the	DET
faba-135	65	26	present	present	NOUN
faba-135	65	27	would	would	AUX
faba-135	65	28	be	be	AUX
faba-135	65	29	particularly	particularly	ADV
faba-135	65	30	important	important	ADJ
faba-135	65	31	.	.	PUNCT
faba-135	66	1	analyses	analysis	NOUN
faba-135	66	2	of	of	ADP
faba-135	66	3	credit	credit	NOUN
faba-135	66	4	dynamics	dynamic	NOUN
faba-135	66	5	in	in	ADP
faba-135	66	6	the	the	DET
faba-135	66	7	central	central	ADJ
faba-135	66	8	and	and	CCONJ
faba-135	66	9	eastern	eastern	ADJ
faba-135	66	10	european	european	ADJ
faba-135	66	11	countries	country	NOUN
faba-135	66	12	when	when	SCONJ
faba-135	66	13	analysing	analyse	VERB
faba-135	66	14	the	the	DET
faba-135	66	15	loan	loan	NOUN
faba-135	66	16	portfolios	portfolio	NOUN
faba-135	66	17	of	of	ADP
faba-135	66	18	banks	bank	NOUN
faba-135	66	19	in	in	ADP
faba-135	66	20	central	central	ADJ
faba-135	66	21	and	and	CCONJ
faba-135	66	22	eastern	eastern	ADJ
faba-135	66	23	european	european	ADJ
faba-135	66	24	countries	country	NOUN
faba-135	66	25	,	,	PUNCT
faba-135	66	26	loans	loan	NOUN
faba-135	66	27	to	to	ADP
faba-135	66	28	the	the	DET
faba-135	66	29	private	private	ADJ
faba-135	66	30	sector	sector	NOUN
faba-135	66	31	have	have	AUX
faba-135	66	32	shown	show	VERB
faba-135	66	33	a	a	DET
faba-135	66	34	steady	steady	ADJ
faba-135	66	35	downward	downward	ADJ
faba-135	66	36	trend	trend	NOUN
faba-135	66	37	in	in	ADP
faba-135	66	38	the	the	DET
faba-135	66	39	years	year	NOUN
faba-135	66	40	following	follow	VERB
faba-135	66	41	the	the	DET
faba-135	66	42	2008	2008	NUM
faba-135	66	43	global	global	ADJ
faba-135	66	44	financial	financial	ADJ
faba-135	66	45	crisis	crisis	NOUN
faba-135	66	46	.	.	PUNCT
faba-135	67	1	in	in	ADP
faba-135	67	2	2008	2008	NUM
faba-135	67	3	,	,	PUNCT
faba-135	67	4	the	the	DET
faba-135	67	5	countries	country	NOUN
faba-135	67	6	,	,	PUNCT
faba-135	67	7	having	have	VERB
faba-135	67	8	the	the	DET
faba-135	67	9	highest	high	ADJ
faba-135	67	10	share	share	NOUN
faba-135	67	11	of	of	ADP
faba-135	67	12	credit	credit	NOUN
faba-135	67	13	in	in	ADP
faba-135	67	14	gdp	gdp	NOUN
faba-135	67	15	were	be	AUX
faba-135	67	16	estonia	estonia	PROPN
faba-135	67	17	,	,	PUNCT
faba-135	67	18	latvia	latvia	PROPN
faba-135	67	19	,	,	PUNCT
faba-135	67	20	slovenia	slovenia	PROPN
faba-135	67	21	,	,	PUNCT
faba-135	67	22	bulgaria	bulgaria	PROPN
faba-135	67	23	(	(	PUNCT
faba-135	67	24	figure	figure	NOUN
faba-135	67	25	1	1	NUM
faba-135	67	26	)	)	PUNCT
faba-135	67	27	.	.	PUNCT
faba-135	68	1	the	the	DET
faba-135	68	2	high	high	ADJ
faba-135	68	3	levels	level	NOUN
faba-135	68	4	of	of	ADP
faba-135	68	5	loans	loan	NOUN
faba-135	68	6	as	as	ADP
faba-135	68	7	a	a	DET
faba-135	68	8	present	present	NOUN
faba-135	68	9	of	of	ADP
faba-135	68	10	gdp	gdp	NOUN
faba-135	68	11	are	be	AUX
faba-135	68	12	due	due	ADJ
faba-135	68	13	to	to	ADP
faba-135	68	14	high	high	ADJ
faba-135	68	15	growth	growth	NOUN
faba-135	68	16	rates	rate	NOUN
faba-135	68	17	in	in	ADP
faba-135	68	18	the	the	DET
faba-135	68	19	years	year	NOUN
faba-135	68	20	before	before	ADP
faba-135	68	21	the	the	DET
faba-135	68	22	financial	financial	ADJ
faba-135	68	23	crisis	crisis	NOUN
faba-135	68	24	.	.	PUNCT
faba-135	69	1	in	in	ADP
faba-135	69	2	bulgaria	bulgaria	PROPN
faba-135	69	3	,	,	PUNCT
faba-135	69	4	for	for	ADP
faba-135	69	5	example	example	NOUN
faba-135	69	6	,	,	PUNCT
faba-135	69	7	the	the	DET
faba-135	69	8	credit	credit	NOUN
faba-135	69	9	growth	growth	NOUN
faba-135	69	10	was	be	AUX
faba-135	69	11	63.3	63.3	NUM
faba-135	69	12	%	%	NOUN
faba-135	69	13	in	in	ADP
faba-135	69	14	2007	2007	NUM
faba-135	69	15	.	.	PUNCT
faba-135	70	1	the	the	DET
faba-135	70	2	minimum	minimum	PROPN
faba-135	70	3	reserve	reserve	NOUN
faba-135	70	4	ratio	ratio	NOUN
faba-135	70	5	was	be	AUX
faba-135	70	6	used	use	VERB
faba-135	70	7	to	to	PART
faba-135	70	8	limit	limit	VERB
faba-135	70	9	credit	credit	NOUN
faba-135	70	10	growth	growth	NOUN
faba-135	70	11	,	,	PUNCT
faba-135	70	12	despite	despite	SCONJ
faba-135	70	13	the	the	DET
faba-135	70	14	action	action	NOUN
faba-135	70	15	of	of	ADP
faba-135	70	16	the	the	DET
faba-135	70	17	currency	currency	NOUN
faba-135	70	18	board	board	NOUN
faba-135	70	19	.	.	PUNCT
faba-135	71	1	it	it	PRON
faba-135	71	2	was	be	AUX
faba-135	71	3	increased	increase	VERB
faba-135	71	4	from	from	ADP
faba-135	71	5	8	8	NUM
faba-135	71	6	%	%	NOUN
faba-135	71	7	to	to	PART
faba-135	71	8	12	12	NUM
faba-135	71	9	%	%	NOUN
faba-135	71	10	in	in	ADP
faba-135	71	11	september	september	PROPN
faba-135	71	12	2007	2007	NUM
faba-135	71	13	,	,	PUNCT
faba-135	71	14	and	and	CCONJ
faba-135	71	15	additional	additional	ADJ
faba-135	71	16	reserves	reserve	NOUN
faba-135	71	17	were	be	AUX
faba-135	71	18	introduced	introduce	VERB
faba-135	71	19	if	if	SCONJ
faba-135	71	20	a	a	DET
faba-135	71	21	certain	certain	ADJ
faba-135	71	22	credit	credit	NOUN
faba-135	71	23	growth	growth	NOUN
faba-135	71	24	rate	rate	NOUN
faba-135	71	25	was	be	AUX
faba-135	71	26	exceeded	exceed	VERB
faba-135	71	27	.	.	PUNCT
faba-135	72	1	all	all	DET
faba-135	72	2	these	these	DET
faba-135	72	3	administrative	administrative	ADJ
faba-135	72	4	restrictions	restriction	NOUN
faba-135	72	5	introduced	introduce	VERB
faba-135	72	6	by	by	ADP
faba-135	72	7	the	the	DET
faba-135	72	8	central	central	ADJ
faba-135	72	9	bank	bank	PROPN
faba-135	72	10	aim	aim	VERB
faba-135	72	11	to	to	PART
faba-135	72	12	limit	limit	VERB
faba-135	72	13	credit	credit	NOUN
faba-135	72	14	growth	growth	NOUN
faba-135	72	15	.	.	PUNCT
faba-135	73	1	estonia	estonia	PROPN
faba-135	73	2	also	also	ADV
faba-135	73	3	recorded	record	VERB
faba-135	73	4	a	a	DET
faba-135	73	5	credit	credit	NOUN
faba-135	73	6	growth	growth	NOUN
faba-135	73	7	rate	rate	NOUN
faba-135	73	8	of	of	ADP
faba-135	73	9	over	over	ADP
faba-135	73	10	60	60	NUM
faba-135	73	11	%	%	NOUN
faba-135	73	12	in	in	ADP
faba-135	73	13	2004	2004	NUM
faba-135	73	14	and	and	CCONJ
faba-135	73	15	2005	2005	NUM
faba-135	73	16	.	.	PUNCT
faba-135	74	1	the	the	DET
faba-135	74	2	high	high	ADJ
faba-135	74	3	growth	growth	NOUN
faba-135	74	4	of	of	ADP
faba-135	74	5	banks	bank	NOUN
faba-135	74	6	'	'	PART
faba-135	74	7	loan	loan	NOUN
faba-135	74	8	portfolios	portfolio	NOUN
faba-135	74	9	in	in	ADP
faba-135	74	10	estonia	estonia	PROPN
faba-135	74	11	is	be	AUX
faba-135	74	12	associated	associate	VERB
faba-135	74	13	with	with	ADP
faba-135	74	14	sound	sound	ADJ
faba-135	74	15	public	public	ADJ
faba-135	74	16	finances	finance	NOUN
faba-135	74	17	and	and	CCONJ
faba-135	74	18	a	a	DET
faba-135	74	19	favourable	favourable	ADJ
faba-135	74	20	business	business	NOUN
faba-135	74	21	environment	environment	NOUN
faba-135	74	22	,	,	PUNCT
faba-135	74	23	low	low	ADJ
faba-135	74	24	real	real	ADJ
faba-135	74	25	interest	interest	NOUN
faba-135	74	26	rates	rate	NOUN
faba-135	74	27	,	,	PUNCT
faba-135	74	28	high	high	ADJ
faba-135	74	29	gdp	gdp	NOUN
faba-135	74	30	growth	growth	NOUN
faba-135	74	31	,	,	PUNCT
faba-135	74	32	eu	eu	PROPN
faba-135	74	33	accession	accession	NOUN
faba-135	74	34	(	(	PUNCT
faba-135	74	35	oecd	oecd	PROPN
faba-135	74	36	2011	2011	NUM
faba-135	74	37	)	)	PUNCT
faba-135	74	38	.	.	PUNCT
faba-135	75	1	the	the	DET
faba-135	75	2	expansion	expansion	NOUN
faba-135	75	3	of	of	ADP
faba-135	75	4	the	the	DET
faba-135	75	5	credit	credit	NOUN
faba-135	75	6	portfolio	portfolio	NOUN
faba-135	75	7	of	of	ADP
faba-135	75	8	banks	bank	NOUN
faba-135	75	9	in	in	ADP
faba-135	75	10	estonia	estonia	PROPN
faba-135	75	11	is	be	AUX
faba-135	75	12	also	also	ADV
faba-135	75	13	due	due	ADP
faba-135	75	14	to	to	ADP
faba-135	75	15	the	the	DET
faba-135	75	16	low	low	ADJ
faba-135	75	17	level	level	NOUN
faba-135	75	18	of	of	ADP
faba-135	75	19	lending	lending	NOUN
faba-135	75	20	in	in	ADP
faba-135	75	21	the	the	DET
faba-135	75	22	years	year	NOUN
faba-135	75	23	before	before	ADP
faba-135	75	24	the	the	DET
faba-135	75	25	country	country	NOUN
faba-135	75	26	's	's	PART
faba-135	75	27	accession	accession	NOUN
faba-135	75	28	to	to	ADP
faba-135	75	29	the	the	DET
faba-135	75	30	eu	eu	PROPN
faba-135	75	31	i.e.	i.e.	X
faba-135	75	32	the	the	DET
faba-135	75	33	low	low	ADJ
faba-135	75	34	level	level	NOUN
faba-135	75	35	of	of	ADP
faba-135	75	36	financial	financial	ADJ
faba-135	75	37	intermediation	intermediation	NOUN
faba-135	75	38	.	.	PUNCT
faba-135	76	1	the	the	DET
faba-135	76	2	share	share	NOUN
faba-135	76	3	of	of	ADP
faba-135	76	4	loans	loan	NOUN
faba-135	76	5	in	in	ADP
faba-135	76	6	gdp	gdp	NOUN
faba-135	76	7	in	in	ADP
faba-135	76	8	2004	2004	NUM
faba-135	76	9	was	be	AUX
faba-135	76	10	only	only	ADV
faba-135	76	11	40.3	40.3	NUM
faba-135	76	12	%	%	NOUN
faba-135	76	13	and	and	CCONJ
faba-135	76	14	reached	reach	VERB
faba-135	76	15	101.4	101.4	NUM
faba-135	76	16	%	%	NOUN
faba-135	76	17	in	in	ADP
faba-135	76	18	2009	2009	NUM
faba-135	76	19	.	.	PUNCT
faba-135	77	1	at	at	ADP
faba-135	77	2	the	the	DET
faba-135	77	3	same	same	ADJ
faba-135	77	4	time	time	NOUN
faba-135	77	5	,	,	PUNCT
faba-135	77	6	high	high	ADJ
faba-135	77	7	credit	credit	NOUN
faba-135	77	8	growth	growth	NOUN
faba-135	77	9	is	be	AUX
faba-135	77	10	dangerous	dangerous	ADJ
faba-135	77	11	as	as	SCONJ
faba-135	77	12	it	it	PRON
faba-135	77	13	also	also	ADV
faba-135	77	14	reveals	reveal	VERB
faba-135	77	15	the	the	DET
faba-135	77	16	presence	presence	NOUN
faba-135	77	17	of	of	ADP
faba-135	77	18	macroeconomic	macroeconomic	ADJ
faba-135	77	19	imbalances	imbalance	NOUN
faba-135	77	20	(	(	PUNCT
faba-135	77	21	fitch	fitch	NOUN
faba-135	77	22	2005	2005	NUM
faba-135	77	23	)	)	PUNCT
faba-135	77	24	.	.	PUNCT
faba-135	78	1	the	the	DET
faba-135	78	2	only	only	ADJ
faba-135	78	3	cee	cee	PROPN
faba-135	78	4	country	country	NOUN
faba-135	78	5	that	that	PRON
faba-135	78	6	has	have	AUX
faba-135	78	7	seen	see	VERB
faba-135	78	8	an	an	DET
faba-135	78	9	increase	increase	NOUN
faba-135	78	10	in	in	ADP
faba-135	78	11	the	the	DET
faba-135	78	12	share	share	NOUN
faba-135	78	13	of	of	ADP
faba-135	78	14	credit	credit	NOUN
faba-135	78	15	as	as	ADP
faba-135	78	16	a	a	DET
faba-135	78	17	share	share	NOUN
faba-135	78	18	of	of	ADP
faba-135	78	19	gdp	gdp	NOUN
faba-135	78	20	over	over	ADP
faba-135	78	21	the	the	DET
faba-135	78	22	period	period	NOUN
faba-135	78	23	analysed	analyse	VERB
faba-135	78	24	is	be	AUX
faba-135	78	25	slovakia	slovakia	PROPN
faba-135	78	26	.	.	PUNCT
faba-135	79	1	in	in	ADP
faba-135	79	2	2008	2008	NUM
faba-135	79	3	,	,	PUNCT
faba-135	79	4	private	private	ADJ
faba-135	79	5	sector	sector	NOUN
faba-135	79	6	claims	claim	NOUN
faba-135	79	7	as	as	ADP
faba-135	79	8	a	a	DET
faba-135	79	9	share	share	NOUN
faba-135	79	10	of	of	ADP
faba-135	79	11	gdp	gdp	NOUN
faba-135	79	12	amounted	amount	VERB
faba-135	79	13	to	to	ADP
faba-135	79	14	40.7	40.7	NUM
faba-135	79	15	%	%	NOUN
faba-135	79	16	and	and	CCONJ
faba-135	79	17	rose	rise	VERB
faba-135	79	18	to	to	ADP
faba-135	79	19	68.3	68.3	NUM
faba-135	79	20	%	%	NOUN
faba-135	79	21	in	in	ADP
faba-135	79	22	2021	2021	NUM
faba-135	79	23	,	,	PUNCT
faba-135	79	24	reaching	reach	VERB
faba-135	79	25	the	the	DET
faba-135	79	26	highest	high	ADJ
faba-135	79	27	level	level	NOUN
faba-135	79	28	of	of	ADP
faba-135	79	29	credit	credit	NOUN
faba-135	79	30	as	as	ADP
faba-135	79	31	a	a	DET
faba-135	79	32	share	share	NOUN
faba-135	79	33	of	of	ADP
faba-135	79	34	gdp	gdp	NOUN
faba-135	79	35	among	among	ADP
faba-135	79	36	all	all	DET
faba-135	79	37	cee	cee	NOUN
faba-135	79	38	countries	country	NOUN
faba-135	79	39	.	.	PUNCT
faba-135	80	1	following	follow	VERB
faba-135	80	2	the	the	DET
faba-135	80	3	country	country	NOUN
faba-135	80	4	's	's	PART
faba-135	80	5	accession	accession	NOUN
faba-135	80	6	to	to	ADP
faba-135	80	7	the	the	DET
faba-135	80	8	european	european	PROPN
faba-135	80	9	union	union	PROPN
faba-135	80	10	,	,	PUNCT
faba-135	80	11	an	an	DET
faba-135	80	12	accelerated	accelerated	ADJ
faba-135	80	13	increase	increase	NOUN
faba-135	80	14	in	in	ADP
faba-135	80	15	the	the	DET
faba-135	80	16	banking	banking	NOUN
faba-135	80	17	sector	sector	NOUN
faba-135	80	18	's	's	PART
faba-135	80	19	lending	lending	NOUN
faba-135	80	20	to	to	ADP
faba-135	80	21	the	the	DET
faba-135	80	22	non	non	ADJ
faba-135	80	23	-	-	ADJ
faba-135	80	24	financial	financial	ADJ
faba-135	80	25	sector	sector	NOUN
faba-135	80	26	began	begin	VERB
faba-135	80	27	(	(	PUNCT
faba-135	80	28	harvan	harvan	NOUN
faba-135	80	29	et	et	PROPN
faba-135	80	30	al	al	PROPN
faba-135	80	31	.	.	PROPN
faba-135	80	32	2015	2015	NUM
faba-135	80	33	,	,	PUNCT
faba-135	80	34	p.	p.	NOUN
faba-135	80	35	3	3	NUM
faba-135	80	36	)	)	PUNCT
faba-135	80	37	.	.	PUNCT
faba-135	81	1	in	in	ADP
faba-135	81	2	the	the	DET
faba-135	81	3	loan	loan	NOUN
faba-135	81	4	portfolio	portfolio	NOUN
faba-135	81	5	structure	structure	NOUN
faba-135	81	6	of	of	ADP
faba-135	81	7	banks	bank	NOUN
faba-135	81	8	in	in	ADP
faba-135	81	9	slovakia	slovakia	PROPN
faba-135	81	10	,	,	PUNCT
faba-135	81	11	it	it	PRON
faba-135	81	12	can	can	AUX
faba-135	81	13	be	be	AUX
faba-135	81	14	observed	observe	VERB
faba-135	81	15	that	that	SCONJ
faba-135	81	16	until	until	ADP
faba-135	81	17	the	the	DET
faba-135	81	18	2008	2008	NUM
faba-135	81	19	international	international	ADJ
faba-135	81	20	financial	financial	ADJ
faba-135	81	21	crisis	crisis	NOUN
faba-135	81	22	,	,	PUNCT
faba-135	81	23	loans	loan	NOUN
faba-135	81	24	granted	grant	VERB
faba-135	81	25	to	to	ADP
faba-135	81	26	nonfinancial	nonfinancial	ADJ
faba-135	81	27	enterprises	enterprise	NOUN
faba-135	81	28	increased	increase	VERB
faba-135	81	29	,	,	PUNCT
faba-135	81	30	while	while	SCONJ
faba-135	81	31	after	after	ADP
faba-135	81	32	that	that	SCONJ
faba-135	81	33	the	the	DET
faba-135	81	34	increase	increase	NOUN
faba-135	81	35	stopped	stop	VERB
faba-135	81	36	.	.	PUNCT
faba-135	82	1	at	at	ADP
faba-135	82	2	the	the	DET
faba-135	82	3	same	same	ADJ
faba-135	82	4	time	time	NOUN
faba-135	82	5	,	,	PUNCT
faba-135	82	6	loans	loan	NOUN
faba-135	82	7	granted	grant	VERB
faba-135	82	8	to	to	ADP
faba-135	82	9	households	household	NOUN
faba-135	82	10	continued	continue	VERB
faba-135	82	11	to	to	PART
faba-135	82	12	grow	grow	VERB
faba-135	82	13	at	at	ADP
faba-135	82	14	double	double	ADJ
faba-135	82	15	-	-	PUNCT
faba-135	82	16	digit	digit	NOUN
faba-135	82	17	rates	rate	NOUN
faba-135	82	18	as	as	SCONJ
faba-135	82	19	they	they	PRON
faba-135	82	20	were	be	AUX
faba-135	82	21	used	use	VERB
faba-135	82	22	to	to	PART
faba-135	82	23	finance	finance	VERB
faba-135	82	24	the	the	DET
faba-135	82	25	purchase	purchase	NOUN
faba-135	82	26	of	of	ADP
faba-135	82	27	a	a	DET
faba-135	82	28	house	house	NOUN
faba-135	82	29	.	.	PUNCT
faba-135	83	1	housing	housing	NOUN
faba-135	83	2	loans	loan	NOUN
faba-135	83	3	accounted	account	VERB
faba-135	83	4	for	for	ADP
faba-135	83	5	77	77	NUM
faba-135	83	6	%	%	NOUN
faba-135	83	7	of	of	ADP
faba-135	83	8	total	total	ADJ
faba-135	83	9	credits	credit	NOUN
faba-135	83	10	extended	extend	VERB
faba-135	83	11	to	to	ADP
faba-135	83	12	households	household	NOUN
faba-135	83	13	at	at	ADP
faba-135	83	14	the	the	DET
faba-135	83	15	end	end	NOUN
faba-135	83	16	of	of	ADP
faba-135	83	17	2014	2014	NUM
faba-135	83	18	(	(	PUNCT
faba-135	83	19	harvan	harvan	VERB
faba-135	83	20	et	et	PROPN
faba-135	83	21	al	al	PROPN
faba-135	83	22	.	.	PROPN
faba-135	83	23	,	,	PUNCT
faba-135	83	24	2015	2015	NUM
faba-135	83	25	,	,	PUNCT
faba-135	83	26	p.	p.	NOUN
faba-135	83	27	3	3	NUM
faba-135	83	28	)	)	PUNCT
faba-135	83	29	.	.	PUNCT
faba-135	84	1	with	with	ADP
faba-135	84	2	the	the	DET
faba-135	84	3	accelerated	accelerate	VERB
faba-135	84	4	growth	growth	NOUN
faba-135	84	5	of	of	ADP
faba-135	84	6	the	the	DET
faba-135	84	7	banks	bank	NOUN
faba-135	84	8	'	'	PART
faba-135	84	9	loan	loan	NOUN
faba-135	84	10	portfolio	portfolio	NOUN
faba-135	84	11	,	,	PUNCT
faba-135	84	12	the	the	DET
faba-135	84	13	level	level	NOUN
faba-135	84	14	of	of	ADP
faba-135	84	15	non	non	ADJ
faba-135	84	16	-	-	ADJ
faba-135	84	17	performing	performing	ADJ
faba-135	84	18	loans	loan	NOUN
faba-135	84	19	is	be	AUX
faba-135	84	20	also	also	ADV
faba-135	84	21	important	important	ADJ
faba-135	84	22	,	,	PUNCT
faba-135	84	23	as	as	SCONJ
faba-135	84	24	it	it	PRON
faba-135	84	25	is	be	AUX
faba-135	84	26	possible	possible	ADJ
faba-135	84	27	that	that	SCONJ
faba-135	84	28	at	at	ADP
faba-135	84	29	some	some	DET
faba-135	84	30	point	point	NOUN
faba-135	84	31	a	a	DET
faba-135	84	32	larger	large	ADJ
faba-135	84	33	part	part	NOUN
faba-135	84	34	of	of	ADP
faba-135	84	35	these	these	DET
faba-135	84	36	loans	loan	NOUN
faba-135	84	37	will	will	AUX
faba-135	84	38	become	become	VERB
faba-135	84	39	non	non	ADJ
faba-135	84	40	-	-	ADJ
faba-135	84	41	performing	perform	VERB
faba-135	84	42	with	with	ADP
faba-135	84	43	a	a	DET
faba-135	84	44	more	more	ADV
faba-135	84	45	substantial	substantial	ADJ
faba-135	84	46	increase	increase	NOUN
faba-135	84	47	in	in	ADP
faba-135	84	48	borrowers	borrower	NOUN
faba-135	84	49	'	'	PART
faba-135	84	50	indebtedness	indebtedness	NOUN
faba-135	84	51	.	.	PUNCT
faba-135	85	1	countries	country	NOUN
faba-135	85	2	with	with	ADP
faba-135	85	3	higher	high	ADJ
faba-135	85	4	levels	level	NOUN
faba-135	85	5	of	of	ADP
faba-135	85	6	credit	credit	NOUN
faba-135	85	7	as	as	ADP
faba-135	85	8	a	a	DET
faba-135	85	9	share	share	NOUN
faba-135	85	10	of	of	ADP
faba-135	85	11	gdp	gdp	NOUN
faba-135	85	12	,	,	PUNCT
faba-135	85	13	such	such	ADJ
faba-135	85	14	as	as	ADP
faba-135	85	15	latvia	latvia	PROPN
faba-135	85	16	and	and	CCONJ
faba-135	85	17	estonia	estonia	PROPN
faba-135	85	18	,	,	PUNCT
faba-135	85	19	experienced	experience	VERB
faba-135	85	20	a	a	DET
faba-135	85	21	more	more	ADV
faba-135	85	22	substantial	substantial	ADJ
faba-135	85	23	deterioration	deterioration	NOUN
faba-135	85	24	in	in	ADP
faba-135	85	25	the	the	DET
faba-135	85	26	quality	quality	NOUN
faba-135	85	27	of	of	ADP
faba-135	85	28	their	their	PRON
faba-135	85	29	banking	banking	NOUN
faba-135	85	30	systems	system	NOUN
faba-135	85	31	'	'	PART
faba-135	85	32	loan	loan	NOUN
faba-135	85	33	portfolios	portfolio	NOUN
faba-135	85	34	within	within	ADP
faba-135	85	35	a	a	DET
faba-135	85	36	year	year	NOUN
faba-135	85	37	of	of	ADP
faba-135	85	38	the	the	DET
faba-135	85	39	global	global	ADJ
faba-135	85	40	financial	financial	ADJ
faba-135	85	41	crisis	crisis	NOUN
faba-135	85	42	(	(	PUNCT
faba-135	85	43	figure	figure	NOUN
faba-135	85	44	2	2	NUM
faba-135	85	45	)	)	PUNCT
faba-135	85	46	.	.	PUNCT
faba-135	86	1	after	after	ADP
faba-135	86	2	this	this	DET
faba-135	86	3	increase	increase	NOUN
faba-135	86	4	,	,	PUNCT
faba-135	86	5	there	there	PRON
faba-135	86	6	was	be	VERB
faba-135	86	7	an	an	DET
faba-135	86	8	improvement	improvement	NOUN
faba-135	86	9	in	in	ADP
faba-135	86	10	their	their	PRON
faba-135	86	11	loan	loan	NOUN
faba-135	86	12	portfolios	portfolio	NOUN
faba-135	86	13	.	.	PUNCT
faba-135	87	1	for	for	ADP
faba-135	87	2	most	most	ADJ
faba-135	87	3	countries	country	NOUN
faba-135	87	4	,	,	PUNCT
faba-135	87	5	an	an	DET
faba-135	87	6	improvement	improvement	NOUN
faba-135	87	7	in	in	ADP
faba-135	87	8	the	the	DET
faba-135	87	9	quality	quality	NOUN
faba-135	87	10	of	of	ADP
faba-135	87	11	finance	finance	NOUN
faba-135	87	12	,	,	PUNCT
faba-135	87	13	accounting	accounting	NOUN
faba-135	87	14	and	and	CCONJ
faba-135	87	15	business	business	NOUN
faba-135	87	16	analysis	analysis	NOUN
faba-135	87	17	4	4	NUM
faba-135	87	18	(	(	PUNCT
faba-135	87	19	2	2	NUM
faba-135	87	20	)	)	PUNCT
faba-135	87	21	2022	2022	NUM
faba-135	87	22	93	93	NUM
faba-135	87	23	banks	bank	NOUN
faba-135	87	24	'	'	PART
faba-135	87	25	loan	loan	NOUN
faba-135	87	26	portfolios	portfolio	NOUN
faba-135	87	27	is	be	AUX
faba-135	87	28	observed	observe	VERB
faba-135	87	29	several	several	ADJ
faba-135	87	30	years	year	NOUN
faba-135	87	31	after	after	ADP
faba-135	87	32	the	the	DET
faba-135	87	33	2008	2008	NUM
faba-135	87	34	financial	financial	ADJ
faba-135	87	35	crisis	crisis	NOUN
faba-135	87	36	until	until	ADP
faba-135	87	37	2013	2013	NUM
faba-135	87	38	-	-	SYM
faba-135	87	39	2014	2014	NUM
faba-135	87	40	.	.	PUNCT
faba-135	88	1	these	these	PRON
faba-135	88	2	are	be	AUX
faba-135	88	3	several	several	ADJ
faba-135	88	4	countries	country	NOUN
faba-135	88	5	such	such	ADJ
faba-135	88	6	as	as	ADP
faba-135	88	7	bulgaria	bulgaria	PROPN
faba-135	88	8	,	,	PUNCT
faba-135	88	9	hungary	hungary	PROPN
faba-135	88	10	,	,	PUNCT
faba-135	88	11	romania	romania	PROPN
faba-135	88	12	,	,	PUNCT
faba-135	88	13	whose	whose	DET
faba-135	88	14	non	non	ADJ
faba-135	88	15	-	-	ADJ
faba-135	88	16	performing	performing	ADJ
faba-135	88	17	loans	loan	NOUN
faba-135	88	18	reached	reach	VERB
faba-135	88	19	16.7	16.7	NUM
faba-135	88	20	%	%	NOUN
faba-135	88	21	,	,	PUNCT
faba-135	88	22	15.6	15.6	NUM
faba-135	88	23	%	%	NOUN
faba-135	88	24	and	and	CCONJ
faba-135	88	25	13.9	13.9	NUM
faba-135	88	26	%	%	NOUN
faba-135	88	27	in	in	ADP
faba-135	88	28	2014	2014	NUM
faba-135	88	29	,	,	PUNCT
faba-135	88	30	respectively	respectively	ADV
faba-135	88	31	.	.	PUNCT
faba-135	89	1	due	due	ADP
faba-135	89	2	to	to	ADP
faba-135	89	3	the	the	DET
faba-135	89	4	financial	financial	ADJ
faba-135	89	5	crisis	crisis	NOUN
faba-135	89	6	and	and	CCONJ
faba-135	89	7	the	the	DET
faba-135	89	8	slowdown	slowdown	NOUN
faba-135	89	9	in	in	ADP
faba-135	89	10	credit	credit	NOUN
faba-135	89	11	growth	growth	NOUN
faba-135	89	12	,	,	PUNCT
faba-135	89	13	a	a	DET
faba-135	89	14	gradual	gradual	ADJ
faba-135	89	15	stabilisation	stabilisation	NOUN
faba-135	89	16	and	and	CCONJ
faba-135	89	17	improvement	improvement	NOUN
faba-135	89	18	in	in	ADP
faba-135	89	19	the	the	DET
faba-135	89	20	quality	quality	NOUN
faba-135	89	21	of	of	ADP
faba-135	89	22	banks	bank	NOUN
faba-135	89	23	'	'	PART
faba-135	89	24	loan	loan	NOUN
faba-135	89	25	portfolios	portfolio	NOUN
faba-135	89	26	in	in	ADP
faba-135	89	27	cee	cee	NOUN
faba-135	89	28	countries	country	NOUN
faba-135	89	29	has	have	AUX
faba-135	89	30	also	also	ADV
faba-135	89	31	been	be	AUX
faba-135	89	32	seen	see	VERB
faba-135	89	33	.	.	PUNCT
faba-135	90	1	in	in	ADP
faba-135	90	2	2021	2021	NUM
faba-135	90	3	,	,	PUNCT
faba-135	90	4	non	non	ADJ
faba-135	90	5	-	-	ADJ
faba-135	90	6	performing	performing	ADJ
faba-135	90	7	loans	loan	NOUN
faba-135	90	8	account	account	VERB
faba-135	90	9	for	for	ADP
faba-135	90	10	less	less	ADJ
faba-135	90	11	than	than	ADP
faba-135	90	12	5	5	NUM
faba-135	90	13	%	%	NOUN
faba-135	90	14	of	of	ADP
faba-135	90	15	the	the	DET
faba-135	90	16	loan	loan	NOUN
faba-135	90	17	portfolios	portfolio	NOUN
faba-135	90	18	of	of	ADP
faba-135	90	19	banks	bank	NOUN
faba-135	90	20	in	in	ADP
faba-135	90	21	the	the	DET
faba-135	90	22	countries	country	NOUN
faba-135	90	23	analysed	analyse	VERB
faba-135	90	24	.	.	PUNCT
faba-135	91	1	an	an	DET
faba-135	91	2	additional	additional	ADJ
faba-135	91	3	factor	factor	NOUN
faba-135	91	4	for	for	ADP
faba-135	91	5	banks	bank	NOUN
faba-135	91	6	'	'	PART
faba-135	91	7	loan	loan	NOUN
faba-135	91	8	quality	quality	NOUN
faba-135	91	9	improvement	improvement	NOUN
faba-135	91	10	is	be	AUX
faba-135	91	11	the	the	DET
faba-135	91	12	pandemic	pandemic	ADJ
faba-135	91	13	crisis	crisis	NOUN
faba-135	91	14	,	,	PUNCT
faba-135	91	15	which	which	PRON
faba-135	91	16	has	have	VERB
faba-135	91	17	a	a	DET
faba-135	91	18	restraining	restraining	NOUN
faba-135	91	19	effect	effect	NOUN
faba-135	91	20	onthe	onthe	PRON
faba-135	91	21	new	new	ADJ
faba-135	91	22	loans	loan	NOUN
faba-135	91	23	due	due	ADP
faba-135	91	24	to	to	ADP
faba-135	91	25	business	business	NOUN
faba-135	91	26	closures	closure	NOUN
faba-135	91	27	,	,	PUNCT
faba-135	91	28	job	job	NOUN
faba-135	91	29	cuts	cut	NOUN
faba-135	91	30	,	,	PUNCT
faba-135	91	31	and	and	CCONJ
faba-135	91	32	income	income	NOUN
faba-135	91	33	restrictions	restriction	NOUN
faba-135	91	34	.	.	PUNCT
faba-135	92	1	in	in	ADP
faba-135	92	2	some	some	DET
faba-135	92	3	countries	country	NOUN
faba-135	92	4	,	,	PUNCT
faba-135	92	5	moratoriums	moratorium	NOUN
faba-135	92	6	are	be	AUX
faba-135	92	7	being	be	AUX
faba-135	92	8	introduced	introduce	VERB
faba-135	92	9	on	on	ADP
faba-135	92	10	payments	payment	NOUN
faba-135	92	11	on	on	ADP
faba-135	92	12	loans	loan	NOUN
faba-135	92	13	already	already	ADV
faba-135	92	14	received	receive	VERB
faba-135	92	15	by	by	ADP
faba-135	92	16	households	household	NOUN
faba-135	92	17	and	and	CCONJ
faba-135	92	18	businesses	business	NOUN
faba-135	92	19	to	to	PART
faba-135	92	20	deal	deal	VERB
faba-135	92	21	with	with	ADP
faba-135	92	22	the	the	DET
faba-135	92	23	negative	negative	ADJ
faba-135	92	24	effects	effect	NOUN
faba-135	92	25	of	of	ADP
faba-135	92	26	the	the	DET
faba-135	92	27	pandemic	pandemic	ADJ
faba-135	92	28	crisis	crisis	NOUN
faba-135	92	29	,	,	PUNCT
faba-135	92	30	while	while	SCONJ
faba-135	92	31	in	in	ADP
faba-135	92	32	other	other	ADJ
faba-135	92	33	countries	country	NOUN
faba-135	92	34	moratoriums	moratorium	NOUN
faba-135	92	35	are	be	AUX
faba-135	92	36	being	be	AUX
faba-135	92	37	introduced	introduce	VERB
faba-135	92	38	on	on	ADP
faba-135	92	39	loan	loan	NOUN
faba-135	92	40	payments	payment	NOUN
faba-135	92	41	to	to	PART
faba-135	92	42	deal	deal	VERB
faba-135	92	43	with	with	ADP
faba-135	92	44	inflation	inflation	NOUN
faba-135	92	45	.	.	PUNCT
faba-135	93	1	for	for	ADP
faba-135	93	2	example	example	NOUN
faba-135	93	3	,	,	PUNCT
faba-135	93	4	bulgaria	bulgaria	PROPN
faba-135	93	5	is	be	AUX
faba-135	93	6	introducing	introduce	VERB
faba-135	93	7	a	a	DET
faba-135	93	8	private	private	ADJ
faba-135	93	9	moratorium	moratorium	NOUN
faba-135	93	10	from	from	ADP
faba-135	93	11	13	13	NUM
faba-135	93	12	march	march	NOUN
faba-135	93	13	2021	2021	NUM
faba-135	93	14	for	for	ADP
faba-135	93	15	the	the	DET
faba-135	93	16	purpose	purpose	NOUN
faba-135	93	17	of	of	ADP
faba-135	93	18	easing	ease	VERB
faba-135	93	19	the	the	DET
faba-135	93	20	difficulties	difficulty	NOUN
faba-135	93	21	faced	face	VERB
faba-135	93	22	by	by	ADP
faba-135	93	23	households	household	NOUN
faba-135	93	24	and	and	CCONJ
faba-135	93	25	businesses	business	NOUN
faba-135	93	26	in	in	ADP
faba-135	93	27	servicing	service	VERB
faba-135	93	28	their	their	PRON
faba-135	93	29	obligations	obligation	NOUN
faba-135	93	30	.	.	PUNCT
faba-135	94	1	on	on	ADP
faba-135	94	2	december	december	PROPN
faba-135	94	3	2	2	NUM
faba-135	94	4	,	,	PUNCT
faba-135	94	5	2020	2020	NUM
faba-135	94	6	,	,	PUNCT
faba-135	94	7	a	a	DET
faba-135	94	8	decision	decision	NOUN
faba-135	94	9	of	of	ADP
faba-135	94	10	the	the	DET
faba-135	94	11	bulgarian	bulgarian	PROPN
faba-135	94	12	national	national	PROPN
faba-135	94	13	bank	bank	PROPN
faba-135	94	14	’s	’s	PART
faba-135	94	15	managing	manage	VERB
faba-135	94	16	board	board	NOUN
faba-135	94	17	extended	extend	VERB
faba-135	94	18	the	the	DET
faba-135	94	19	deadline	deadline	NOUN
faba-135	94	20	for	for	ADP
faba-135	94	21	deferring	defer	VERB
faba-135	94	22	loans	loan	NOUN
faba-135	94	23	to	to	ADP
faba-135	94	24	households	household	NOUN
faba-135	94	25	and	and	CCONJ
faba-135	94	26	firms	firm	NOUN
faba-135	94	27	(	(	PUNCT
faba-135	94	28	mihaylova	mihaylova	X
faba-135	94	29	-	-	PUNCT
faba-135	94	30	borisova	borisova	NOUN
faba-135	94	31	2021a	2021a	NUM
faba-135	94	32	)	)	PUNCT
faba-135	94	33	.	.	PUNCT
faba-135	95	1	this	this	PRON
faba-135	95	2	has	have	VERB
faba-135	95	3	a	a	DET
faba-135	95	4	favourable	favourable	ADJ
faba-135	95	5	impact	impact	NOUN
faba-135	95	6	on	on	ADP
faba-135	95	7	the	the	DET
faba-135	95	8	quality	quality	NOUN
faba-135	95	9	of	of	ADP
faba-135	95	10	bulgarian	bulgarian	ADJ
faba-135	95	11	banks	bank	NOUN
faba-135	95	12	'	'	PART
faba-135	95	13	loan	loan	NOUN
faba-135	95	14	portfolios	portfolio	NOUN
faba-135	95	15	.	.	PUNCT
faba-135	96	1	in	in	ADP
faba-135	96	2	2020	2020	NUM
faba-135	96	3	,	,	PUNCT
faba-135	96	4	the	the	DET
faba-135	96	5	deterioration	deterioration	NOUN
faba-135	96	6	was	be	AUX
faba-135	96	7	by	by	ADP
faba-135	96	8	0.82	0.82	NUM
faba-135	96	9	percentage	percentage	NOUN
faba-135	96	10	points	point	NOUN
faba-135	96	11	to	to	ADP
faba-135	96	12	5.8	5.8	NUM
faba-135	96	13	%	%	NOUN
faba-135	96	14	by	by	ADP
faba-135	96	15	year	year	NOUN
faba-135	96	16	-	-	PUNCT
faba-135	96	17	end	end	NOUN
faba-135	96	18	.	.	PUNCT
faba-135	97	1	there	there	PRON
faba-135	97	2	is	be	VERB
faba-135	97	3	an	an	DET
faba-135	97	4	improvement	improvement	NOUN
faba-135	97	5	in	in	ADP
faba-135	97	6	bulgarian	bulgarian	ADJ
faba-135	97	7	banks	bank	NOUN
faba-135	97	8	'	'	PART
faba-135	97	9	credit	credit	NOUN
faba-135	97	10	portfolios	portfolio	NOUN
faba-135	97	11	’	'	PUNCT
faba-135	97	12	quality	quality	NOUN
faba-135	97	13	(	(	PUNCT
faba-135	97	14	4.6	4.6	NUM
faba-135	97	15	%	%	NOUN
faba-135	97	16	non	non	ADJ
faba-135	97	17	-	-	ADJ
faba-135	97	18	performing	performing	ADJ
faba-135	97	19	loans	loan	NOUN
faba-135	97	20	(	(	PUNCT
faba-135	97	21	npls	npls	NOUN
faba-135	97	22	)	)	PUNCT
faba-135	97	23	as	as	ADP
faba-135	97	24	a	a	DET
faba-135	97	25	share	share	NOUN
faba-135	97	26	of	of	ADP
faba-135	97	27	total	total	ADJ
faba-135	97	28	loans	loan	NOUN
faba-135	97	29	at	at	ADP
faba-135	97	30	end-2021	end-2021	NOUN
faba-135	97	31	)	)	PUNCT
faba-135	97	32	,	,	PUNCT
faba-135	97	33	despite	despite	SCONJ
faba-135	97	34	some	some	DET
faba-135	97	35	increase	increase	NOUN
faba-135	97	36	in	in	ADP
faba-135	97	37	npls	npls	NOUN
faba-135	97	38	to	to	ADP
faba-135	97	39	6.4	6.4	NUM
faba-135	97	40	%	%	NOUN
faba-135	97	41	at	at	ADP
faba-135	97	42	end	end	NOUN
faba-135	97	43	-	-	PUNCT
faba-135	97	44	september	september	PROPN
faba-135	97	45	2021	2021	NUM
faba-135	97	46	.	.	PUNCT
faba-135	98	1	figure	figure	NOUN
faba-135	98	2	1	1	NUM
faba-135	98	3	.	.	PUNCT
faba-135	98	4	claims	claim	NOUN
faba-135	98	5	to	to	ADP
faba-135	98	6	private	private	ADJ
faba-135	98	7	sector	sector	NOUN
faba-135	98	8	as	as	ADP
faba-135	98	9	a	a	DET
faba-135	98	10	share	share	NOUN
faba-135	98	11	of	of	ADP
faba-135	98	12	gdp	gdp	NOUN
faba-135	98	13	,	,	PUNCT
faba-135	98	14	%	%	NOUN
faba-135	98	15	sources	source	NOUN
faba-135	98	16	:	:	PUNCT
faba-135	98	17	world	world	PROPN
faba-135	98	18	bank	bank	PROPN
faba-135	98	19	database	database	NOUN
faba-135	98	20	20	20	NUM
faba-135	99	1	30	30	NUM
faba-135	99	2	40	40	NUM
faba-135	99	3	50	50	NUM
faba-135	99	4	60	60	NUM
faba-135	99	5	70	70	NUM
faba-135	99	6	80	80	NUM
faba-135	99	7	90	90	NUM
faba-135	99	8	100	100	NUM
faba-135	99	9	110	110	NUM
faba-135	99	10	2008	2008	NUM
faba-135	99	11	2009	2009	NUM
faba-135	99	12	2010	2010	NUM
faba-135	99	13	2011	2011	NUM
faba-135	99	14	2012	2012	NUM
faba-135	99	15	2013	2013	NUM
faba-135	99	16	2014	2014	NUM
faba-135	99	17	2015	2015	NUM
faba-135	99	18	2016	2016	NUM
faba-135	99	19	2017	2017	NUM
faba-135	99	20	2018	2018	NUM
faba-135	99	21	2019	2019	NUM
faba-135	99	22	2020	2020	NUM
faba-135	99	23	2021	2021	NUM
faba-135	100	1	bulgaria	bulgaria	PROPN
faba-135	100	2	estonia	estonia	PROPN
faba-135	100	3	latvia	latvia	PROPN
faba-135	100	4	lithuania	lithuania	PROPN
faba-135	100	5	poland	poland	PROPN
faba-135	100	6	czech	czech	PROPN
faba-135	100	7	republic	republic	PROPN
faba-135	100	8	hungary	hungary	PROPN
faba-135	100	9	slovak	slovak	PROPN
faba-135	100	10	republic	republic	PROPN
faba-135	100	11	finance	finance	NOUN
faba-135	100	12	,	,	PUNCT
faba-135	100	13	accounting	accounting	NOUN
faba-135	100	14	and	and	CCONJ
faba-135	100	15	business	business	NOUN
faba-135	100	16	analysis	analysis	NOUN
faba-135	100	17	4	4	NUM
faba-135	100	18	(	(	PUNCT
faba-135	100	19	2	2	NUM
faba-135	100	20	)	)	PUNCT
faba-135	100	21	2022	2022	NUM
faba-135	100	22	94	94	NUM
faba-135	100	23	figure	figure	NOUN
faba-135	100	24	2	2	NUM
faba-135	100	25	.	.	X
faba-135	100	26	bank	bank	PROPN
faba-135	100	27	non	non	ADJ
faba-135	100	28	-	-	ADJ
faba-135	100	29	performing	performing	ADJ
faba-135	100	30	loans	loan	NOUN
faba-135	100	31	(	(	PUNCT
faba-135	100	32	%	%	NOUN
faba-135	100	33	of	of	ADP
faba-135	100	34	total	total	ADJ
faba-135	100	35	gross	gross	ADJ
faba-135	100	36	loans	loan	NOUN
faba-135	100	37	)	)	PUNCT
faba-135	100	38	sources	source	NOUN
faba-135	100	39	:	:	PUNCT
faba-135	100	40	world	world	PROPN
faba-135	100	41	bank	bank	PROPN
faba-135	100	42	database	database	NOUN
faba-135	100	43	from	from	ADP
faba-135	100	44	the	the	DET
faba-135	100	45	beginning	beginning	NOUN
faba-135	100	46	of	of	ADP
faba-135	100	47	july	july	PROPN
faba-135	100	48	2022	2022	NUM
faba-135	100	49	romania	romania	PROPN
faba-135	100	50	introduces	introduce	VERB
faba-135	100	51	a	a	DET
faba-135	100	52	temporary	temporary	ADJ
faba-135	100	53	moratorium	moratorium	NOUN
faba-135	100	54	on	on	ADP
faba-135	100	55	the	the	DET
faba-135	100	56	servicing	servicing	NOUN
faba-135	100	57	of	of	ADP
faba-135	100	58	bank	bank	NOUN
faba-135	100	59	loans	loan	NOUN
faba-135	100	60	by	by	ADP
faba-135	100	61	households	household	NOUN
faba-135	100	62	and	and	CCONJ
faba-135	100	63	companies	company	NOUN
faba-135	100	64	.	.	PUNCT
faba-135	101	1	the	the	DET
faba-135	101	2	measure	measure	NOUN
faba-135	101	3	is	be	AUX
faba-135	101	4	part	part	NOUN
faba-135	101	5	of	of	ADP
faba-135	101	6	an	an	DET
faba-135	101	7	overall	overall	ADJ
faba-135	101	8	eur	eur	PROPN
faba-135	101	9	1.1	1.1	NUM
faba-135	101	10	billion	billion	NUM
faba-135	101	11	package	package	NOUN
faba-135	101	12	aimed	aim	VERB
faba-135	101	13	at	at	ADP
faba-135	101	14	reducing	reduce	VERB
faba-135	101	15	the	the	DET
faba-135	101	16	impact	impact	NOUN
faba-135	101	17	of	of	ADP
faba-135	101	18	accelerating	accelerate	VERB
faba-135	101	19	inflation	inflation	NOUN
faba-135	101	20	.	.	PUNCT
faba-135	102	1	households	household	NOUN
faba-135	102	2	eligible	eligible	ADJ
faba-135	102	3	for	for	ADP
faba-135	102	4	the	the	DET
faba-135	102	5	temporary	temporary	ADJ
faba-135	102	6	moratorium	moratorium	NOUN
faba-135	102	7	must	must	AUX
faba-135	102	8	have	have	AUX
faba-135	102	9	demonstrated	demonstrate	VERB
faba-135	102	10	that	that	SCONJ
faba-135	102	11	their	their	PRON
faba-135	102	12	monthly	monthly	ADJ
faba-135	102	13	expenditure	expenditure	NOUN
faba-135	102	14	has	have	AUX
faba-135	102	15	increased	increase	VERB
faba-135	102	16	by	by	ADP
faba-135	102	17	25	25	NUM
faba-135	102	18	%	%	NOUN
faba-135	102	19	year	year	NOUN
faba-135	102	20	-	-	PUNCT
faba-135	102	21	on	on	ADP
faba-135	102	22	-	-	PUNCT
faba-135	102	23	year	year	NOUN
faba-135	102	24	over	over	ADP
faba-135	102	25	the	the	DET
faba-135	102	26	past	past	ADJ
faba-135	102	27	three	three	NUM
faba-135	102	28	months	month	NOUN
faba-135	102	29	.	.	PUNCT
faba-135	103	1	businesses	business	NOUN
faba-135	103	2	are	be	AUX
faba-135	103	3	required	require	VERB
faba-135	103	4	to	to	PART
faba-135	103	5	prove	prove	VERB
faba-135	103	6	that	that	SCONJ
faba-135	103	7	their	their	PRON
faba-135	103	8	annual	annual	ADJ
faba-135	103	9	revenues	revenue	NOUN
faba-135	103	10	have	have	AUX
faba-135	103	11	fallen	fall	VERB
faba-135	103	12	by	by	ADP
faba-135	103	13	25	25	NUM
faba-135	103	14	%	%	NOUN
faba-135	103	15	year	year	NOUN
faba-135	103	16	-	-	PUNCT
faba-135	103	17	on	on	ADP
faba-135	103	18	-	-	PUNCT
faba-135	103	19	year	year	NOUN
faba-135	103	20	over	over	ADP
faba-135	103	21	a	a	DET
faba-135	103	22	three	three	NUM
faba-135	103	23	-	-	PUNCT
faba-135	103	24	month	month	NOUN
faba-135	103	25	period	period	NOUN
faba-135	103	26	.	.	PUNCT
faba-135	104	1	credit	credit	NOUN
faba-135	104	2	dynamics	dynamic	NOUN
faba-135	104	3	depend	depend	VERB
faba-135	104	4	on	on	ADP
faba-135	104	5	credit	credit	NOUN
faba-135	104	6	interest	interest	NOUN
faba-135	104	7	rate	rate	NOUN
faba-135	104	8	levels	level	NOUN
faba-135	104	9	.	.	PUNCT
faba-135	105	1	since	since	SCONJ
faba-135	105	2	the	the	DET
faba-135	105	3	global	global	ADJ
faba-135	105	4	financial	financial	ADJ
faba-135	105	5	crisis	crisis	NOUN
faba-135	105	6	,	,	PUNCT
faba-135	105	7	there	there	PRON
faba-135	105	8	has	have	AUX
faba-135	105	9	been	be	AUX
faba-135	105	10	a	a	DET
faba-135	105	11	steady	steady	ADJ
faba-135	105	12	downward	downward	ADJ
faba-135	105	13	trend	trend	NOUN
faba-135	105	14	in	in	ADP
faba-135	105	15	lending	lending	NOUN
faba-135	105	16	rates	rate	NOUN
faba-135	105	17	in	in	ADP
faba-135	105	18	most	most	ADJ
faba-135	105	19	countries	country	NOUN
faba-135	105	20	.	.	PUNCT
faba-135	106	1	this	this	PRON
faba-135	106	2	is	be	AUX
faba-135	106	3	the	the	DET
faba-135	106	4	result	result	NOUN
faba-135	106	5	of	of	ADP
faba-135	106	6	the	the	DET
faba-135	106	7	expansionary	expansionary	ADJ
faba-135	106	8	policy	policy	NOUN
faba-135	106	9	of	of	ADP
faba-135	106	10	the	the	DET
faba-135	106	11	european	european	PROPN
faba-135	106	12	central	central	PROPN
faba-135	106	13	bank	bank	PROPN
faba-135	106	14	(	(	PUNCT
faba-135	106	15	ecb	ecb	PROPN
faba-135	106	16	)	)	PUNCT
faba-135	106	17	and	and	CCONJ
faba-135	106	18	other	other	ADJ
faba-135	106	19	non	non	ADJ
faba-135	106	20	-	-	ADJ
faba-135	106	21	euro	euro	ADJ
faba-135	106	22	area	area	NOUN
faba-135	106	23	central	central	ADJ
faba-135	106	24	banks	bank	NOUN
faba-135	106	25	,	,	PUNCT
faba-135	106	26	which	which	PRON
faba-135	106	27	initially	initially	ADV
faba-135	106	28	moved	move	VERB
faba-135	106	29	to	to	PART
faba-135	106	30	lower	lower	VERB
faba-135	106	31	key	key	ADJ
faba-135	106	32	interest	interest	NOUN
faba-135	106	33	rates	rate	NOUN
faba-135	106	34	to	to	PART
faba-135	106	35	support	support	VERB
faba-135	106	36	constrained	constrain	VERB
faba-135	106	37	lending	lending	NOUN
faba-135	106	38	after	after	ADP
faba-135	106	39	the	the	DET
faba-135	106	40	2008	2008	NUM
faba-135	106	41	global	global	ADJ
faba-135	106	42	financial	financial	ADJ
faba-135	106	43	crisis	crisis	NOUN
faba-135	106	44	.	.	PUNCT
faba-135	107	1	after	after	SCONJ
faba-135	107	2	interest	interest	NOUN
faba-135	107	3	rates	rate	NOUN
faba-135	107	4	reached	reach	VERB
faba-135	107	5	zero	zero	NUM
faba-135	107	6	levels	level	NOUN
faba-135	107	7	,	,	PUNCT
faba-135	107	8	even	even	ADV
faba-135	107	9	after	after	ADP
faba-135	107	10	introducing	introduce	VERB
faba-135	107	11	negative	negative	ADJ
faba-135	107	12	interest	interest	NOUN
faba-135	107	13	rates	rate	NOUN
faba-135	107	14	in	in	ADP
faba-135	107	15	mid-2014	mid-2014	NOUN
faba-135	107	16	,	,	PUNCT
faba-135	107	17	the	the	DET
faba-135	107	18	ecb	ecb	NOUN
faba-135	107	19	moved	move	VERB
faba-135	107	20	to	to	PART
faba-135	107	21	directly	directly	ADV
faba-135	107	22	inject	inject	VERB
faba-135	107	23	liquidity	liquidity	NOUN
faba-135	107	24	into	into	ADP
faba-135	107	25	specific	specific	ADJ
faba-135	107	26	markets	market	NOUN
faba-135	107	27	(	(	PUNCT
faba-135	107	28	mihaylova	mihaylova	X
faba-135	107	29	-	-	PUNCT
faba-135	107	30	borisova	borisova	NOUN
faba-135	107	31	2021b	2021b	NUM
faba-135	107	32	)	)	PUNCT
faba-135	107	33	.	.	PUNCT
faba-135	108	1	in	in	ADP
faba-135	108	2	2022	2022	NUM
faba-135	108	3	,	,	PUNCT
faba-135	108	4	the	the	DET
faba-135	108	5	ecb	ecb	NOUN
faba-135	108	6	starts	start	VERB
faba-135	108	7	to	to	PART
faba-135	108	8	increase	increase	VERB
faba-135	108	9	interest	interest	NOUN
faba-135	108	10	rates	rate	NOUN
faba-135	108	11	and	and	CCONJ
faba-135	108	12	tighten	tighten	VERB
faba-135	108	13	monetary	monetary	ADJ
faba-135	108	14	policy	policy	NOUN
faba-135	108	15	because	because	SCONJ
faba-135	108	16	of	of	ADP
faba-135	108	17	rising	rise	VERB
faba-135	108	18	inflation	inflation	NOUN
faba-135	108	19	,	,	PUNCT
faba-135	108	20	which	which	PRON
faba-135	108	21	will	will	AUX
faba-135	108	22	affect	affect	VERB
faba-135	108	23	future	future	ADJ
faba-135	108	24	lending	lending	NOUN
faba-135	108	25	and	and	CCONJ
faba-135	108	26	deposit	deposit	NOUN
faba-135	108	27	rates	rate	NOUN
faba-135	108	28	upwards	upwards	ADV
faba-135	108	29	.	.	PUNCT
faba-135	109	1	figure	figure	VERB
faba-135	109	2	3	3	NUM
faba-135	109	3	.	.	PUNCT
faba-135	110	1	lending	lending	NOUN
faba-135	110	2	interest	interest	NOUN
faba-135	110	3	rates	rate	NOUN
faba-135	110	4	(	(	PUNCT
faba-135	110	5	%	%	INTJ
faba-135	110	6	)	)	PUNCT
faba-135	110	7	sources	source	NOUN
faba-135	110	8	:	:	PUNCT
faba-135	110	9	world	world	PROPN
faba-135	110	10	bank	bank	PROPN
faba-135	110	11	database	database	NOUN
faba-135	110	12	0	0	NUM
faba-135	110	13	5	5	NUM
faba-135	110	14	10	10	NUM
faba-135	110	15	15	15	NUM
faba-135	110	16	20	20	NUM
faba-135	110	17	25	25	NUM
faba-135	110	18	30	30	NUM
faba-135	110	19	2008	2008	NUM
faba-135	110	20	2009	2009	NUM
faba-135	110	21	2010	2010	NUM
faba-135	110	22	2011	2011	NUM
faba-135	110	23	2012	2012	NUM
faba-135	110	24	2013	2013	NUM
faba-135	110	25	2014	2014	NUM
faba-135	110	26	2015	2015	NUM
faba-135	110	27	2016	2016	NUM
faba-135	110	28	2017	2017	NUM
faba-135	110	29	2018	2018	NUM
faba-135	110	30	2019	2019	NUM
faba-135	110	31	2020	2020	NUM
faba-135	110	32	2021	2021	NUM
faba-135	110	33	bulgaria	bulgaria	PROPN
faba-135	110	34	estonia	estonia	PROPN
faba-135	110	35	latvia	latvia	PROPN
faba-135	110	36	lithuania	lithuania	PROPN
faba-135	110	37	poland	poland	PROPN
faba-135	110	38	czech	czech	PROPN
faba-135	110	39	republic	republic	PROPN
faba-135	110	40	hungary	hungary	PROPN
faba-135	110	41	slovak	slovak	PROPN
faba-135	110	42	republic	republic	PROPN
faba-135	110	43	slovenia	slovenia	PROPN
faba-135	110	44	romania	romania	PROPN
faba-135	110	45	0	0	NUM
faba-135	110	46	2	2	NUM
faba-135	110	47	4	4	NUM
faba-135	110	48	6	6	NUM
faba-135	110	49	8	8	NUM
faba-135	110	50	10	10	NUM
faba-135	110	51	12	12	NUM
faba-135	110	52	14	14	NUM
faba-135	110	53	16	16	NUM
faba-135	110	54	18	18	NUM
faba-135	110	55	20	20	NUM
faba-135	110	56	2008	2008	NUM
faba-135	110	57	2009	2009	NUM
faba-135	110	58	2010	2010	NUM
faba-135	110	59	2011	2011	NUM
faba-135	110	60	2012	2012	NUM
faba-135	110	61	2013	2013	NUM
faba-135	110	62	2014	2014	NUM
faba-135	110	63	2015	2015	NUM
faba-135	110	64	2016	2016	NUM
faba-135	110	65	2017	2017	NUM
faba-135	110	66	2018	2018	NUM
faba-135	110	67	2019	2019	NUM
faba-135	110	68	2020	2020	NUM
faba-135	110	69	2021	2021	NUM
faba-135	110	70	bulgaria	bulgaria	PROPN
faba-135	110	71	czech	czech	PROPN
faba-135	110	72	republic	republic	PROPN
faba-135	110	73	hungary	hungary	PROPN
faba-135	110	74	romania	romania	PROPN
faba-135	110	75	finance	finance	PROPN
faba-135	110	76	,	,	PUNCT
faba-135	110	77	accounting	accounting	NOUN
faba-135	110	78	and	and	CCONJ
faba-135	110	79	business	business	NOUN
faba-135	110	80	analysis	analysis	NOUN
faba-135	110	81	4	4	NUM
faba-135	110	82	(	(	PUNCT
faba-135	110	83	2	2	NUM
faba-135	110	84	)	)	PUNCT
faba-135	110	85	2022	2022	NUM
faba-135	110	86	95	95	NUM
faba-135	110	87	over	over	ADP
faba-135	110	88	the	the	DET
faba-135	110	89	period	period	NOUN
faba-135	110	90	analysed	analyse	VERB
faba-135	110	91	in	in	ADP
faba-135	110	92	the	the	DET
faba-135	110	93	countries	country	NOUN
faba-135	110	94	covered	cover	VERB
faba-135	110	95	,	,	PUNCT
faba-135	110	96	the	the	DET
faba-135	110	97	most	most	ADV
faba-135	110	98	significant	significant	ADJ
faba-135	110	99	decline	decline	NOUN
faba-135	110	100	in	in	ADP
faba-135	110	101	lending	lending	NOUN
faba-135	110	102	rates	rate	NOUN
faba-135	110	103	was	be	AUX
faba-135	110	104	recorded	record	VERB
faba-135	110	105	in	in	ADP
faba-135	110	106	romania	romania	PROPN
faba-135	110	107	,	,	PUNCT
faba-135	110	108	which	which	PRON
faba-135	110	109	went	go	VERB
faba-135	110	110	from	from	ADP
faba-135	110	111	17.3	17.3	NUM
faba-135	110	112	%	%	NOUN
faba-135	110	113	in	in	ADP
faba-135	110	114	2009	2009	NUM
faba-135	110	115	to	to	ADP
faba-135	110	116	5.6	5.6	NUM
faba-135	110	117	%	%	NOUN
faba-135	110	118	in	in	ADP
faba-135	110	119	2021	2021	NUM
faba-135	110	120	(	(	PUNCT
faba-135	110	121	figure	figure	NOUN
faba-135	110	122	3	3	NUM
faba-135	110	123	)	)	PUNCT
faba-135	110	124	.	.	PUNCT
faba-135	111	1	in	in	ADP
faba-135	111	2	2018	2018	NUM
faba-135	111	3	and	and	CCONJ
faba-135	111	4	2019	2019	NUM
faba-135	111	5	,	,	PUNCT
faba-135	111	6	a	a	DET
faba-135	111	7	slight	slight	ADJ
faba-135	111	8	increase	increase	NOUN
faba-135	111	9	in	in	ADP
faba-135	111	10	lending	lending	NOUN
faba-135	111	11	rates	rate	NOUN
faba-135	111	12	was	be	AUX
faba-135	111	13	observed	observe	VERB
faba-135	111	14	in	in	ADP
faba-135	111	15	romania	romania	PROPN
faba-135	111	16	,	,	PUNCT
faba-135	111	17	but	but	CCONJ
faba-135	111	18	it	it	PRON
faba-135	111	19	was	be	AUX
faba-135	111	20	also	also	ADV
faba-135	111	21	associated	associate	VERB
faba-135	111	22	with	with	ADP
faba-135	111	23	a	a	DET
faba-135	111	24	slight	slight	ADJ
faba-135	111	25	increase	increase	NOUN
faba-135	111	26	in	in	ADP
faba-135	111	27	deposit	deposit	NOUN
faba-135	111	28	rates	rate	NOUN
faba-135	111	29	in	in	ADP
faba-135	111	30	these	these	DET
faba-135	111	31	two	two	NUM
faba-135	111	32	years	year	NOUN
faba-135	111	33	,	,	PUNCT
faba-135	111	34	from	from	ADP
faba-135	111	35	0.89	0.89	NUM
faba-135	111	36	%	%	NOUN
faba-135	111	37	in	in	ADP
faba-135	111	38	2017	2017	NUM
faba-135	111	39	to	to	PART
faba-135	111	40	1.3	1.3	NUM
faba-135	111	41	%	%	NOUN
faba-135	111	42	in	in	ADP
faba-135	111	43	2018	2018	NUM
faba-135	111	44	and	and	CCONJ
faba-135	111	45	1.9	1.9	NUM
faba-135	111	46	%	%	NOUN
faba-135	111	47	in	in	ADP
faba-135	111	48	2018	2018	NUM
faba-135	111	49	,	,	PUNCT
faba-135	111	50	respectively	respectively	ADV
faba-135	111	51	.	.	PUNCT
faba-135	112	1	at	at	ADP
faba-135	112	2	the	the	DET
faba-135	112	3	same	same	ADJ
faba-135	112	4	time	time	NOUN
faba-135	112	5	,	,	PUNCT
faba-135	112	6	the	the	DET
faba-135	112	7	real	real	ADJ
faba-135	112	8	interest	interest	NOUN
faba-135	112	9	rate	rate	NOUN
faba-135	112	10	in	in	ADP
faba-135	112	11	romania	romania	PROPN
faba-135	112	12	fell	fall	VERB
faba-135	112	13	below	below	ADP
faba-135	112	14	1	1	NUM
faba-135	112	15	%	%	NOUN
faba-135	112	16	,	,	PUNCT
faba-135	112	17	the	the	DET
faba-135	112	18	lowest	low	ADJ
faba-135	112	19	since	since	SCONJ
faba-135	112	20	the	the	DET
faba-135	112	21	financial	financial	ADJ
faba-135	112	22	crisis	crisis	NOUN
faba-135	112	23	,	,	PUNCT
faba-135	112	24	which	which	PRON
faba-135	112	25	is	be	AUX
faba-135	112	26	reflected	reflect	VERB
faba-135	112	27	in	in	ADP
faba-135	112	28	the	the	DET
faba-135	112	29	slowdown	slowdown	NOUN
faba-135	112	30	in	in	ADP
faba-135	112	31	the	the	DET
faba-135	112	32	country	country	NOUN
faba-135	112	33	's	's	PART
faba-135	112	34	credit	credit	NOUN
faba-135	112	35	growth	growth	NOUN
faba-135	112	36	rate	rate	NOUN
faba-135	112	37	in	in	ADP
faba-135	112	38	2018	2018	NUM
faba-135	112	39	-	-	SYM
faba-135	112	40	2019	2019	NUM
faba-135	112	41	.	.	PUNCT
faba-135	113	1	in	in	ADP
faba-135	113	2	hungary	hungary	PROPN
faba-135	113	3	,	,	PUNCT
faba-135	113	4	lending	lending	NOUN
faba-135	113	5	rates	rate	NOUN
faba-135	113	6	are	be	AUX
faba-135	113	7	the	the	DET
faba-135	113	8	lowest	low	ADJ
faba-135	113	9	compared	compare	VERB
faba-135	113	10	to	to	ADP
faba-135	113	11	romania	romania	PROPN
faba-135	113	12	,	,	PUNCT
faba-135	113	13	the	the	DET
faba-135	113	14	czech	czech	PROPN
faba-135	113	15	republic	republic	NOUN
faba-135	113	16	and	and	CCONJ
faba-135	113	17	bulgaria	bulgaria	PROPN
faba-135	113	18	since	since	SCONJ
faba-135	113	19	2014	2014	NUM
faba-135	113	20	.	.	PUNCT
faba-135	114	1	over	over	ADP
faba-135	114	2	the	the	DET
faba-135	114	3	period	period	NOUN
faba-135	114	4	2015	2015	NUM
faba-135	114	5	-	-	SYM
faba-135	114	6	2021	2021	NUM
faba-135	114	7	,	,	PUNCT
faba-135	114	8	lending	lending	NOUN
faba-135	114	9	rates	rate	NOUN
faba-135	114	10	in	in	ADP
faba-135	114	11	the	the	DET
faba-135	114	12	country	country	NOUN
faba-135	114	13	range	range	VERB
faba-135	114	14	from	from	ADP
faba-135	114	15	1.36	1.36	NUM
faba-135	114	16	%	%	NOUN
faba-135	114	17	to	to	PART
faba-135	114	18	1.95	1.95	NUM
faba-135	114	19	%	%	NOUN
faba-135	114	20	.	.	PUNCT
faba-135	115	1	these	these	DET
faba-135	115	2	low	low	ADJ
faba-135	115	3	interest	interest	NOUN
faba-135	115	4	rates	rate	NOUN
faba-135	115	5	on	on	ADP
faba-135	115	6	loans	loan	NOUN
faba-135	115	7	granted	grant	VERB
faba-135	115	8	by	by	ADP
faba-135	115	9	the	the	DET
faba-135	115	10	banking	banking	NOUN
faba-135	115	11	system	system	NOUN
faba-135	115	12	have	have	VERB
faba-135	115	13	a	a	DET
faba-135	115	14	favourable	favourable	ADJ
faba-135	115	15	impact	impact	NOUN
faba-135	115	16	on	on	ADP
faba-135	115	17	economic	economic	ADJ
faba-135	115	18	agents	agent	NOUN
faba-135	115	19	in	in	ADP
faba-135	115	20	terms	term	NOUN
faba-135	115	21	of	of	ADP
faba-135	115	22	loan	loan	NOUN
faba-135	115	23	withdrawals	withdrawal	NOUN
faba-135	115	24	.	.	PUNCT
faba-135	116	1	the	the	DET
faba-135	116	2	growth	growth	NOUN
faba-135	116	3	rate	rate	NOUN
faba-135	116	4	also	also	ADV
faba-135	116	5	reached	reach	VERB
faba-135	116	6	double	double	ADJ
faba-135	116	7	-	-	PUNCT
faba-135	116	8	digit	digit	NOUN
faba-135	116	9	levels	level	NOUN
faba-135	116	10	in	in	ADP
faba-135	116	11	this	this	DET
faba-135	116	12	period	period	NOUN
faba-135	116	13	,	,	PUNCT
faba-135	116	14	accelerating	accelerate	VERB
faba-135	116	15	rapidly	rapidly	ADV
faba-135	116	16	from	from	ADP
faba-135	116	17	5.3	5.3	NUM
faba-135	116	18	%	%	NOUN
faba-135	116	19	in	in	ADP
faba-135	116	20	2017	2017	NUM
faba-135	116	21	to	to	PART
faba-135	116	22	16.8	16.8	NUM
faba-135	116	23	%	%	NOUN
faba-135	116	24	in	in	ADP
faba-135	116	25	2021	2021	NUM
faba-135	116	26	(	(	PUNCT
faba-135	116	27	figure	figure	NOUN
faba-135	116	28	4	4	NUM
faba-135	116	29	)	)	PUNCT
faba-135	116	30	.	.	PUNCT
faba-135	117	1	the	the	DET
faba-135	117	2	crises	crisis	NOUN
faba-135	117	3	have	have	AUX
faba-135	117	4	had	have	VERB
faba-135	117	5	a	a	DET
faba-135	117	6	negative	negative	ADJ
faba-135	117	7	impact	impact	NOUN
faba-135	117	8	on	on	ADP
faba-135	117	9	credit	credit	NOUN
faba-135	117	10	dynamics	dynamic	NOUN
faba-135	117	11	in	in	ADP
faba-135	117	12	central	central	ADJ
faba-135	117	13	and	and	CCONJ
faba-135	117	14	eastern	eastern	ADJ
faba-135	117	15	europe	europe	PROPN
faba-135	117	16	.	.	PUNCT
faba-135	118	1	the	the	DET
faba-135	118	2	global	global	ADJ
faba-135	118	3	financial	financial	ADJ
faba-135	118	4	crisis	crisis	NOUN
faba-135	118	5	has	have	AUX
faba-135	118	6	had	have	VERB
faba-135	118	7	a	a	DET
faba-135	118	8	significant	significant	ADJ
faba-135	118	9	impact	impact	NOUN
faba-135	118	10	on	on	ADP
faba-135	118	11	the	the	DET
faba-135	118	12	growth	growth	NOUN
faba-135	118	13	rate	rate	NOUN
faba-135	118	14	of	of	ADP
faba-135	118	15	credit	credit	NOUN
faba-135	118	16	extended	extend	VERB
faba-135	118	17	by	by	ADP
faba-135	118	18	banks	bank	NOUN
faba-135	118	19	to	to	ADP
faba-135	118	20	the	the	DET
faba-135	118	21	private	private	ADJ
faba-135	118	22	sector	sector	NOUN
faba-135	118	23	.	.	PUNCT
faba-135	119	1	in	in	ADP
faba-135	119	2	2009	2009	NUM
faba-135	119	3	,	,	PUNCT
faba-135	119	4	there	there	PRON
faba-135	119	5	was	be	VERB
faba-135	119	6	a	a	DET
faba-135	119	7	significant	significant	ADJ
faba-135	119	8	slowdown	slowdown	NOUN
faba-135	119	9	in	in	ADP
faba-135	119	10	the	the	DET
faba-135	119	11	growth	growth	NOUN
faba-135	119	12	rate	rate	NOUN
faba-135	119	13	of	of	ADP
faba-135	119	14	credit	credit	NOUN
faba-135	119	15	in	in	ADP
faba-135	119	16	all	all	DET
faba-135	119	17	countries	country	NOUN
faba-135	119	18	compared	compare	VERB
faba-135	119	19	to	to	ADP
faba-135	119	20	the	the	DET
faba-135	119	21	previous	previous	ADJ
faba-135	119	22	year	year	NOUN
faba-135	119	23	,	,	PUNCT
faba-135	119	24	due	due	ADP
faba-135	119	25	to	to	ADP
faba-135	119	26	the	the	DET
faba-135	119	27	loss	loss	NOUN
faba-135	119	28	of	of	ADP
faba-135	119	29	jobs	job	NOUN
faba-135	119	30	,	,	PUNCT
faba-135	119	31	the	the	DET
faba-135	119	32	slowdown	slowdown	NOUN
faba-135	119	33	in	in	ADP
faba-135	119	34	economic	economic	ADJ
faba-135	119	35	activity	activity	NOUN
faba-135	119	36	,	,	PUNCT
faba-135	119	37	the	the	DET
faba-135	119	38	decline	decline	NOUN
faba-135	119	39	in	in	ADP
faba-135	119	40	the	the	DET
faba-135	119	41	incomes	income	NOUN
faba-135	119	42	of	of	ADP
faba-135	119	43	economic	economic	ADJ
faba-135	119	44	agents	agent	NOUN
faba-135	119	45	.	.	PUNCT
faba-135	120	1	in	in	ADP
faba-135	120	2	estonia	estonia	PROPN
faba-135	120	3	and	and	CCONJ
faba-135	120	4	hungary	hungary	PROPN
faba-135	120	5	,	,	PUNCT
faba-135	120	6	there	there	PRON
faba-135	120	7	was	be	VERB
faba-135	120	8	even	even	ADV
faba-135	120	9	a	a	DET
faba-135	120	10	fall	fall	NOUN
faba-135	120	11	in	in	ADP
faba-135	120	12	lending	lending	NOUN
faba-135	120	13	of	of	ADP
faba-135	120	14	3.9	3.9	NUM
faba-135	120	15	%	%	NOUN
faba-135	120	16	and	and	CCONJ
faba-135	120	17	1.9	1.9	NUM
faba-135	120	18	%	%	NOUN
faba-135	120	19	respectively	respectively	ADV
faba-135	120	20	in	in	ADP
faba-135	120	21	2009	2009	NUM
faba-135	120	22	.	.	PUNCT
faba-135	121	1	over	over	ADP
faba-135	121	2	the	the	DET
faba-135	121	3	period	period	NOUN
faba-135	121	4	2012	2012	NUM
faba-135	121	5	-	-	SYM
faba-135	121	6	2013	2013	NUM
faba-135	121	7	,	,	PUNCT
faba-135	121	8	there	there	PRON
faba-135	121	9	was	be	VERB
faba-135	121	10	also	also	ADV
faba-135	121	11	a	a	DET
faba-135	121	12	drop	drop	NOUN
faba-135	121	13	in	in	ADP
faba-135	121	14	bank	bank	NOUN
faba-135	121	15	private	private	ADJ
faba-135	121	16	loans	loan	NOUN
faba-135	121	17	in	in	ADP
faba-135	121	18	almost	almost	ADV
faba-135	121	19	all	all	PRON
faba-135	121	20	countries	country	NOUN
faba-135	121	21	except	except	SCONJ
faba-135	121	22	bulgaria	bulgaria	PROPN
faba-135	121	23	,	,	PUNCT
faba-135	121	24	estonia	estonia	PROPN
faba-135	121	25	,	,	PUNCT
faba-135	121	26	poland	poland	PROPN
faba-135	121	27	,	,	PUNCT
faba-135	121	28	slovakia	slovakia	PROPN
faba-135	121	29	and	and	CCONJ
faba-135	121	30	the	the	DET
faba-135	121	31	czech	czech	PROPN
faba-135	121	32	republic	republic	NOUN
faba-135	121	33	.	.	PUNCT
faba-135	122	1	the	the	DET
faba-135	122	2	most	most	ADV
faba-135	122	3	significant	significant	ADJ
faba-135	122	4	decline	decline	NOUN
faba-135	122	5	was	be	AUX
faba-135	122	6	recorded	record	VERB
faba-135	122	7	in	in	ADP
faba-135	122	8	slovenia	slovenia	PROPN
faba-135	122	9	,	,	PUNCT
faba-135	122	10	with	with	ADP
faba-135	122	11	a	a	DET
faba-135	122	12	17.1	17.1	NUM
faba-135	122	13	%	%	NOUN
faba-135	122	14	year	year	NOUN
faba-135	122	15	-	-	PUNCT
faba-135	122	16	on	on	ADP
faba-135	122	17	-	-	PUNCT
faba-135	122	18	year	year	NOUN
faba-135	122	19	decline	decline	NOUN
faba-135	122	20	in	in	ADP
faba-135	122	21	2013	2013	NUM
faba-135	122	22	.	.	PUNCT
faba-135	123	1	following	follow	VERB
faba-135	123	2	the	the	DET
faba-135	123	3	gradual	gradual	ADJ
faba-135	123	4	recovery	recovery	NOUN
faba-135	123	5	of	of	ADP
faba-135	123	6	economies	economy	NOUN
faba-135	123	7	from	from	ADP
faba-135	123	8	the	the	DET
faba-135	123	9	debt	debt	NOUN
faba-135	123	10	crisis	crisis	NOUN
faba-135	123	11	in	in	ADP
faba-135	123	12	europe	europe	PROPN
faba-135	123	13	in	in	ADP
faba-135	123	14	2012	2012	NUM
faba-135	123	15	-	-	SYM
faba-135	123	16	2013	2013	NUM
faba-135	123	17	,	,	PUNCT
faba-135	123	18	positive	positive	ADJ
faba-135	123	19	credit	credit	NOUN
faba-135	123	20	growth	growth	NOUN
faba-135	123	21	rates	rate	NOUN
faba-135	123	22	were	be	AUX
faba-135	123	23	also	also	ADV
faba-135	123	24	observed	observe	VERB
faba-135	123	25	.	.	PUNCT
faba-135	124	1	however	however	ADV
faba-135	124	2	,	,	PUNCT
faba-135	124	3	the	the	DET
faba-135	124	4	pandemic	pandemic	ADJ
faba-135	124	5	crisis	crisis	NOUN
faba-135	124	6	again	again	ADV
faba-135	124	7	had	have	VERB
faba-135	124	8	a	a	DET
faba-135	124	9	negative	negative	ADJ
faba-135	124	10	impact	impact	NOUN
faba-135	124	11	on	on	ADP
faba-135	124	12	their	their	PRON
faba-135	124	13	growth	growth	NOUN
faba-135	124	14	rate	rate	NOUN
faba-135	124	15	.	.	PUNCT
faba-135	125	1	the	the	DET
faba-135	125	2	dynamics	dynamic	NOUN
faba-135	125	3	of	of	ADP
faba-135	125	4	lending	lending	NOUN
faba-135	125	5	in	in	ADP
faba-135	125	6	the	the	DET
faba-135	125	7	countries	country	NOUN
faba-135	125	8	analysed	analyse	VERB
faba-135	125	9	show	show	NOUN
faba-135	125	10	that	that	SCONJ
faba-135	125	11	banks	bank	NOUN
faba-135	125	12	are	be	AUX
faba-135	125	13	facing	face	VERB
faba-135	125	14	the	the	DET
faba-135	125	15	challenge	challenge	NOUN
faba-135	125	16	of	of	ADP
faba-135	125	17	coping	cope	VERB
faba-135	125	18	with	with	ADP
faba-135	125	19	the	the	DET
faba-135	125	20	crisis	crisis	NOUN
faba-135	125	21	developments	development	NOUN
faba-135	125	22	,	,	PUNCT
faba-135	125	23	economic	economic	ADJ
faba-135	125	24	instability	instability	NOUN
faba-135	125	25	,	,	PUNCT
faba-135	125	26	stricter	strict	ADJ
faba-135	125	27	regulations	regulation	NOUN
faba-135	125	28	related	relate	VERB
faba-135	125	29	to	to	ADP
faba-135	125	30	high	high	ADJ
faba-135	125	31	capital	capital	NOUN
faba-135	125	32	adequacy	adequacy	NOUN
faba-135	125	33	and	and	CCONJ
faba-135	125	34	liquidity	liquidity	NOUN
faba-135	125	35	requirements	requirement	NOUN
faba-135	125	36	after	after	ADP
faba-135	125	37	the	the	DET
faba-135	125	38	global	global	ADJ
faba-135	125	39	financial	financial	ADJ
faba-135	125	40	crisis	crisis	NOUN
faba-135	125	41	.	.	PUNCT
faba-135	126	1	however	however	ADV
faba-135	126	2	,	,	PUNCT
faba-135	126	3	thanks	thank	NOUN
faba-135	126	4	to	to	ADP
faba-135	126	5	the	the	DET
faba-135	126	6	stricter	strict	ADJ
faba-135	126	7	regulatory	regulatory	ADJ
faba-135	126	8	requirements	requirement	NOUN
faba-135	126	9	after	after	ADP
faba-135	126	10	the	the	DET
faba-135	126	11	global	global	ADJ
faba-135	126	12	financial	financial	ADJ
faba-135	126	13	crisis	crisis	NOUN
faba-135	126	14	,	,	PUNCT
faba-135	126	15	banks	bank	NOUN
faba-135	126	16	are	be	AUX
faba-135	126	17	better	well	ADV
faba-135	126	18	prepared	prepared	ADJ
faba-135	126	19	for	for	ADP
faba-135	126	20	the	the	DET
faba-135	126	21	next	next	ADJ
faba-135	126	22	two	two	NUM
faba-135	126	23	crises	crisis	NOUN
faba-135	126	24	,	,	PUNCT
faba-135	126	25	and	and	CCONJ
faba-135	126	26	therefore	therefore	ADV
faba-135	126	27	their	their	PRON
faba-135	126	28	recovery	recovery	NOUN
faba-135	126	29	is	be	AUX
faba-135	126	30	faster	fast	ADJ
faba-135	126	31	.	.	PUNCT
faba-135	127	1	in	in	ADP
faba-135	127	2	2021	2021	NUM
faba-135	127	3	,	,	PUNCT
faba-135	127	4	all	all	DET
faba-135	127	5	banking	banking	NOUN
faba-135	127	6	systems	system	NOUN
faba-135	127	7	in	in	ADP
faba-135	127	8	central	central	ADJ
faba-135	127	9	and	and	CCONJ
faba-135	127	10	eastern	eastern	ADJ
faba-135	127	11	european	european	ADJ
faba-135	127	12	countries	country	NOUN
faba-135	127	13	reported	report	VERB
faba-135	127	14	a	a	DET
faba-135	127	15	recovery	recovery	NOUN
faba-135	127	16	of	of	ADP
faba-135	127	17	their	their	PRON
faba-135	127	18	loan	loan	NOUN
faba-135	127	19	portfolios	portfolio	NOUN
faba-135	127	20	,	,	PUNCT
faba-135	127	21	recording	record	VERB
faba-135	127	22	positive	positive	ADJ
faba-135	127	23	growth	growth	NOUN
faba-135	127	24	rates	rate	NOUN
faba-135	127	25	.	.	PUNCT
faba-135	128	1	-20.0	-20.0	NOUN
faba-135	128	2	%	%	NOUN
faba-135	129	1	-10.0	-10.0	NUM
faba-135	129	2	%	%	NOUN
faba-135	129	3	0.0	0.0	NUM
faba-135	129	4	%	%	NOUN
faba-135	129	5	10.0	10.0	NUM
faba-135	129	6	%	%	NOUN
faba-135	129	7	20.0	20.0	NUM
faba-135	129	8	%	%	NOUN
faba-135	129	9	30.0	30.0	NUM
faba-135	129	10	%	%	NOUN
faba-135	129	11	40.0	40.0	NUM
faba-135	129	12	%	%	NOUN
faba-135	129	13	50.0	50.0	NUM
faba-135	129	14	%	%	NOUN
faba-135	129	15	60.0	60.0	NUM
faba-135	129	16	%	%	NOUN
faba-135	129	17	70.0	70.0	NUM
faba-135	129	18	%	%	NOUN
faba-135	129	19	2	2	NUM
faba-135	129	20	0	0	NUM
faba-135	129	21	0	0	NUM
faba-135	129	22	7	7	NUM
faba-135	129	23	2	2	NUM
faba-135	129	24	0	0	NUM
faba-135	129	25	0	0	NUM
faba-135	129	26	8	8	NUM
faba-135	129	27	2	2	NUM
faba-135	129	28	0	0	NUM
faba-135	129	29	0	0	NUM
faba-135	129	30	9	9	NUM
faba-135	129	31	2	2	NUM
faba-135	129	32	0	0	NUM
faba-135	129	33	1	1	NUM
faba-135	129	34	0	0	NUM
faba-135	129	35	2	2	NUM
faba-135	129	36	0	0	NUM
faba-135	129	37	1	1	NUM
faba-135	129	38	1	1	NUM
faba-135	129	39	2	2	NUM
faba-135	129	40	0	0	NUM
faba-135	129	41	1	1	NUM
faba-135	129	42	2	2	NUM
faba-135	129	43	2	2	NUM
faba-135	129	44	0	0	NUM
faba-135	129	45	1	1	NUM
faba-135	129	46	3	3	NUM
faba-135	129	47	2	2	NUM
faba-135	129	48	0	0	NUM
faba-135	129	49	1	1	NUM
faba-135	129	50	4	4	NUM
faba-135	129	51	2	2	NUM
faba-135	129	52	0	0	NUM
faba-135	129	53	1	1	NUM
faba-135	129	54	5	5	NUM
faba-135	129	55	2	2	NUM
faba-135	129	56	0	0	NUM
faba-135	129	57	1	1	NUM
faba-135	129	58	6	6	NUM
faba-135	129	59	2	2	NUM
faba-135	129	60	0	0	NUM
faba-135	129	61	1	1	NUM
faba-135	129	62	7	7	NUM
faba-135	129	63	2	2	NUM
faba-135	129	64	0	0	NUM
faba-135	129	65	1	1	NUM
faba-135	129	66	8	8	NUM
faba-135	129	67	2	2	NUM
faba-135	129	68	0	0	NUM
faba-135	129	69	1	1	NUM
faba-135	129	70	9	9	NUM
faba-135	129	71	2	2	NUM
faba-135	129	72	0	0	NUM
faba-135	129	73	2	2	NUM
faba-135	129	74	0	0	NUM
faba-135	129	75	2	2	NUM
faba-135	129	76	0	0	NUM
faba-135	129	77	2	2	NUM
faba-135	129	78	1	1	NUM
faba-135	129	79	bulgaria	bulgaria	PROPN
faba-135	129	80	poland	poland	PROPN
faba-135	129	81	czech	czech	PROPN
faba-135	129	82	republic	republic	PROPN
faba-135	129	83	hungary	hungary	PROPN
faba-135	129	84	romania	romania	PROPN
faba-135	129	85	finance	finance	PROPN
faba-135	129	86	,	,	PUNCT
faba-135	129	87	accounting	accounting	NOUN
faba-135	129	88	and	and	CCONJ
faba-135	129	89	business	business	NOUN
faba-135	129	90	analysis	analysis	NOUN
faba-135	129	91	4	4	NUM
faba-135	129	92	(	(	PUNCT
faba-135	129	93	2	2	NUM
faba-135	129	94	)	)	PUNCT
faba-135	129	95	2022	2022	NUM
faba-135	129	96	96	96	NUM
faba-135	129	97	figure	figure	NOUN
faba-135	129	98	4	4	NUM
faba-135	129	99	.	.	PUNCT
faba-135	129	100	private	private	ADJ
faba-135	129	101	sector	sector	NOUN
faba-135	129	102	claims	claim	VERB
faba-135	129	103	growth	growth	NOUN
faba-135	129	104	rate	rate	NOUN
faba-135	129	105	(	(	PUNCT
faba-135	129	106	%	%	INTJ
faba-135	129	107	)	)	PUNCT
faba-135	129	108	sources	source	NOUN
faba-135	129	109	:	:	PUNCT
faba-135	129	110	world	world	PROPN
faba-135	129	111	bank	bank	PROPN
faba-135	129	112	database	database	NOUN
faba-135	129	113	,	,	PUNCT
faba-135	129	114	own	own	ADJ
faba-135	129	115	calculations	calculation	NOUN
faba-135	129	116	discussion	discussion	NOUN
faba-135	129	117	and	and	CCONJ
faba-135	129	118	conclusions	conclusion	NOUN
faba-135	129	119	the	the	DET
faba-135	129	120	study	study	NOUN
faba-135	129	121	analyses	analyse	VERB
faba-135	129	122	the	the	DET
faba-135	129	123	dynamics	dynamic	NOUN
faba-135	129	124	of	of	ADP
faba-135	129	125	credit	credit	NOUN
faba-135	129	126	provided	provide	VERB
faba-135	129	127	by	by	ADP
faba-135	129	128	banks	bank	NOUN
faba-135	129	129	to	to	ADP
faba-135	129	130	the	the	DET
faba-135	129	131	private	private	ADJ
faba-135	129	132	sector	sector	NOUN
faba-135	129	133	in	in	ADP
faba-135	129	134	central	central	ADJ
faba-135	129	135	and	and	CCONJ
faba-135	129	136	eastern	eastern	ADJ
faba-135	129	137	european	european	ADJ
faba-135	129	138	countries	country	NOUN
faba-135	129	139	.	.	PUNCT
faba-135	130	1	data	datum	NOUN
faba-135	130	2	for	for	ADP
faba-135	130	3	the	the	DET
faba-135	130	4	ten	ten	NUM
faba-135	130	5	central	central	ADJ
faba-135	130	6	and	and	CCONJ
faba-135	130	7	eastern	eastern	ADJ
faba-135	130	8	european	european	PROPN
faba-135	130	9	countries	countries	PROPN
faba-135	130	10	bulgaria	bulgaria	PROPN
faba-135	130	11	,	,	PUNCT
faba-135	130	12	romania	romania	PROPN
faba-135	130	13	,	,	PUNCT
faba-135	130	14	czech	czech	PROPN
faba-135	130	15	republic	republic	NOUN
faba-135	130	16	,	,	PUNCT
faba-135	130	17	poland	poland	PROPN
faba-135	130	18	,	,	PUNCT
faba-135	130	19	hungary	hungary	PROPN
faba-135	130	20	,	,	PUNCT
faba-135	130	21	slovakia	slovakia	PROPN
faba-135	130	22	,	,	PUNCT
faba-135	130	23	slovenia	slovenia	PROPN
faba-135	130	24	,	,	PUNCT
faba-135	130	25	estonia	estonia	PROPN
faba-135	130	26	,	,	PUNCT
faba-135	130	27	lithuania	lithuania	PROPN
faba-135	130	28	and	and	CCONJ
faba-135	130	29	latvia	latvia	PROPN
faba-135	130	30	are	be	AUX
faba-135	130	31	used	use	VERB
faba-135	130	32	.	.	PUNCT
faba-135	131	1	it	it	PRON
faba-135	131	2	is	be	AUX
faba-135	131	3	found	find	VERB
faba-135	131	4	that	that	SCONJ
faba-135	131	5	most	most	ADJ
faba-135	131	6	countries	country	NOUN
faba-135	131	7	have	have	AUX
faba-135	131	8	seen	see	VERB
faba-135	131	9	a	a	DET
faba-135	131	10	decline	decline	NOUN
faba-135	131	11	in	in	ADP
faba-135	131	12	the	the	DET
faba-135	131	13	level	level	NOUN
faba-135	131	14	of	of	ADP
faba-135	131	15	credit	credit	NOUN
faba-135	131	16	extended	extend	VERB
faba-135	131	17	to	to	ADP
faba-135	131	18	the	the	DET
faba-135	131	19	private	private	ADJ
faba-135	131	20	sector	sector	NOUN
faba-135	131	21	as	as	ADP
faba-135	131	22	a	a	DET
faba-135	131	23	share	share	NOUN
faba-135	131	24	of	of	ADP
faba-135	131	25	gdp	gdp	NOUN
faba-135	131	26	due	due	ADP
faba-135	131	27	to	to	ADP
faba-135	131	28	the	the	DET
faba-135	131	29	impact	impact	NOUN
faba-135	131	30	of	of	ADP
faba-135	131	31	a	a	DET
faba-135	131	32	series	series	NOUN
faba-135	131	33	of	of	ADP
faba-135	131	34	crises	crisis	NOUN
faba-135	131	35	:	:	PUNCT
faba-135	131	36	the	the	DET
faba-135	131	37	global	global	ADJ
faba-135	131	38	financial	financial	ADJ
faba-135	131	39	crisis	crisis	NOUN
faba-135	131	40	,	,	PUNCT
faba-135	131	41	the	the	DET
faba-135	131	42	european	european	PROPN
faba-135	131	43	union	union	PROPN
faba-135	131	44	debt	debt	NOUN
faba-135	131	45	crisis	crisis	NOUN
faba-135	131	46	and	and	CCONJ
faba-135	131	47	the	the	DET
faba-135	131	48	pandemic	pandemic	ADJ
faba-135	131	49	crisis	crisis	NOUN
faba-135	131	50	.	.	PUNCT
faba-135	132	1	the	the	DET
faba-135	132	2	only	only	ADJ
faba-135	132	3	country	country	NOUN
faba-135	132	4	in	in	ADP
faba-135	132	5	central	central	ADJ
faba-135	132	6	and	and	CCONJ
faba-135	132	7	eastern	eastern	ADJ
faba-135	132	8	europe	europe	PROPN
faba-135	132	9	that	that	PRON
faba-135	132	10	has	have	AUX
faba-135	132	11	seen	see	VERB
faba-135	132	12	an	an	DET
faba-135	132	13	increase	increase	NOUN
faba-135	132	14	in	in	ADP
faba-135	132	15	the	the	DET
faba-135	132	16	credits	credit	NOUN
faba-135	132	17	as	as	ADP
faba-135	132	18	a	a	DET
faba-135	132	19	share	share	NOUN
faba-135	132	20	of	of	ADP
faba-135	132	21	gdp	gdp	NOUN
faba-135	132	22	over	over	ADP
faba-135	132	23	the	the	DET
faba-135	132	24	period	period	NOUN
faba-135	132	25	analysed	analyse	VERB
faba-135	132	26	is	be	AUX
faba-135	132	27	slovakia	slovakia	PROPN
faba-135	132	28	.	.	PUNCT
faba-135	133	1	in	in	ADP
faba-135	133	2	2008	2008	NUM
faba-135	133	3	,	,	PUNCT
faba-135	133	4	private	private	ADJ
faba-135	133	5	sector	sector	NOUN
faba-135	133	6	claims	claim	NOUN
faba-135	133	7	as	as	ADP
faba-135	133	8	a	a	DET
faba-135	133	9	share	share	NOUN
faba-135	133	10	of	of	ADP
faba-135	133	11	gdp	gdp	NOUN
faba-135	133	12	amounted	amount	VERB
faba-135	133	13	to	to	ADP
faba-135	133	14	40.7	40.7	NUM
faba-135	133	15	%	%	NOUN
faba-135	133	16	and	and	CCONJ
faba-135	133	17	rose	rise	VERB
faba-135	133	18	to	to	ADP
faba-135	133	19	68.3	68.3	NUM
faba-135	133	20	%	%	NOUN
faba-135	133	21	in	in	ADP
faba-135	133	22	2021	2021	NUM
faba-135	133	23	,	,	PUNCT
faba-135	133	24	reaching	reach	VERB
faba-135	133	25	the	the	DET
faba-135	133	26	highest	high	ADJ
faba-135	133	27	level	level	NOUN
faba-135	133	28	of	of	ADP
faba-135	133	29	credit	credit	NOUN
faba-135	133	30	as	as	ADP
faba-135	133	31	a	a	DET
faba-135	133	32	share	share	NOUN
faba-135	133	33	of	of	ADP
faba-135	133	34	gdp	gdp	NOUN
faba-135	133	35	among	among	ADP
faba-135	133	36	all	all	DET
faba-135	133	37	countries	country	NOUN
faba-135	133	38	in	in	ADP
faba-135	133	39	the	the	DET
faba-135	133	40	region	region	NOUN
faba-135	133	41	.	.	PUNCT
faba-135	134	1	the	the	DET
faba-135	134	2	level	level	NOUN
faba-135	134	3	of	of	ADP
faba-135	134	4	non	non	ADJ
faba-135	134	5	-	-	ADJ
faba-135	134	6	performing	performing	ADJ
faba-135	134	7	loans	loan	NOUN
faba-135	134	8	is	be	AUX
faba-135	134	9	also	also	ADV
faba-135	134	10	of	of	ADP
faba-135	134	11	concern	concern	NOUN
faba-135	134	12	to	to	ADP
faba-135	134	13	banks	bank	NOUN
faba-135	134	14	,	,	PUNCT
faba-135	134	15	as	as	SCONJ
faba-135	134	16	accelerated	accelerate	VERB
faba-135	134	17	growth	growth	NOUN
faba-135	134	18	in	in	ADP
faba-135	134	19	banks	bank	NOUN
faba-135	134	20	'	'	PART
faba-135	134	21	loan	loan	NOUN
faba-135	134	22	portfolios	portfolio	NOUN
faba-135	134	23	could	could	AUX
faba-135	134	24	lead	lead	VERB
faba-135	134	25	to	to	ADP
faba-135	134	26	deterioration	deterioration	NOUN
faba-135	134	27	in	in	ADP
faba-135	134	28	the	the	DET
faba-135	134	29	quality	quality	NOUN
faba-135	134	30	of	of	ADP
faba-135	134	31	loan	loan	NOUN
faba-135	134	32	portfolios	portfolio	NOUN
faba-135	134	33	.	.	PUNCT
faba-135	135	1	countries	country	NOUN
faba-135	135	2	such	such	ADJ
faba-135	135	3	as	as	ADP
faba-135	135	4	latvia	latvia	PROPN
faba-135	135	5	and	and	CCONJ
faba-135	135	6	estonia	estonia	PROPN
faba-135	135	7	,	,	PUNCT
faba-135	135	8	which	which	PRON
faba-135	135	9	had	have	VERB
faba-135	135	10	higher	high	ADJ
faba-135	135	11	levels	level	NOUN
faba-135	135	12	of	of	ADP
faba-135	135	13	loans	loan	NOUN
faba-135	135	14	as	as	ADP
faba-135	135	15	a	a	DET
faba-135	135	16	share	share	NOUN
faba-135	135	17	of	of	ADP
faba-135	135	18	gdp	gdp	NOUN
faba-135	135	19	before	before	ADP
faba-135	135	20	the	the	DET
faba-135	135	21	global	global	ADJ
faba-135	135	22	financial	financial	ADJ
faba-135	135	23	crisis	crisis	NOUN
faba-135	135	24	,	,	PUNCT
faba-135	135	25	also	also	ADV
faba-135	135	26	experienced	experience	VERB
faba-135	135	27	a	a	DET
faba-135	135	28	more	more	ADV
faba-135	135	29	significant	significant	ADJ
faba-135	135	30	deterioration	deterioration	NOUN
faba-135	135	31	in	in	ADP
faba-135	135	32	the	the	DET
faba-135	135	33	quality	quality	NOUN
faba-135	135	34	of	of	ADP
faba-135	135	35	loan	loan	NOUN
faba-135	135	36	portfolios	portfolio	NOUN
faba-135	135	37	in	in	ADP
faba-135	135	38	the	the	DET
faba-135	135	39	year	year	NOUN
faba-135	135	40	after	after	ADP
faba-135	135	41	the	the	DET
faba-135	135	42	crisis	crisis	NOUN
faba-135	135	43	.	.	PUNCT
faba-135	136	1	for	for	ADP
faba-135	136	2	most	most	ADJ
faba-135	136	3	countries	country	NOUN
faba-135	136	4	,	,	PUNCT
faba-135	136	5	there	there	PRON
faba-135	136	6	was	be	VERB
faba-135	136	7	an	an	DET
faba-135	136	8	improvement	improvement	NOUN
faba-135	136	9	in	in	ADP
faba-135	136	10	the	the	DET
faba-135	136	11	quality	quality	NOUN
faba-135	136	12	of	of	ADP
faba-135	136	13	banks	bank	NOUN
faba-135	136	14	'	'	PART
faba-135	136	15	loan	loan	NOUN
faba-135	136	16	portfolios	portfolio	NOUN
faba-135	136	17	several	several	ADJ
faba-135	136	18	years	year	NOUN
faba-135	136	19	after	after	ADP
faba-135	136	20	the	the	DET
faba-135	136	21	2008	2008	NUM
faba-135	136	22	financial	financial	ADJ
faba-135	136	23	crisis	crisis	NOUN
faba-135	136	24	until	until	ADP
faba-135	136	25	2013	2013	NUM
faba-135	136	26	-	-	SYM
faba-135	136	27	2014	2014	NUM
faba-135	136	28	.	.	PUNCT
faba-135	137	1	these	these	PRON
faba-135	137	2	are	be	AUX
faba-135	137	3	several	several	ADJ
faba-135	137	4	countries	country	NOUN
faba-135	137	5	such	such	ADJ
faba-135	137	6	as	as	ADP
faba-135	137	7	bulgaria	bulgaria	PROPN
faba-135	137	8	,	,	PUNCT
faba-135	137	9	hungary	hungary	PROPN
faba-135	137	10	,	,	PUNCT
faba-135	137	11	and	and	CCONJ
faba-135	137	12	romania	romania	PROPN
faba-135	137	13	,	,	PUNCT
faba-135	137	14	whose	whose	DET
faba-135	137	15	bad	bad	ADJ
faba-135	137	16	loans	loan	NOUN
faba-135	137	17	reached	reach	VERB
faba-135	137	18	16.7	16.7	NUM
faba-135	137	19	%	%	NOUN
faba-135	137	20	,	,	PUNCT
faba-135	137	21	15.6	15.6	NUM
faba-135	137	22	%	%	NOUN
faba-135	137	23	and	and	CCONJ
faba-135	137	24	13.9	13.9	NUM
faba-135	137	25	%	%	NOUN
faba-135	137	26	in	in	ADP
faba-135	137	27	2014	2014	NUM
faba-135	137	28	,	,	PUNCT
faba-135	137	29	respectively	respectively	ADV
faba-135	137	30	.	.	PUNCT
faba-135	138	1	due	due	ADP
faba-135	138	2	to	to	ADP
faba-135	138	3	the	the	DET
faba-135	138	4	financial	financial	ADJ
faba-135	138	5	crisis	crisis	NOUN
faba-135	138	6	and	and	CCONJ
faba-135	138	7	the	the	DET
faba-135	138	8	slowdown	slowdown	NOUN
faba-135	138	9	in	in	ADP
faba-135	138	10	credit	credit	NOUN
faba-135	138	11	growth	growth	NOUN
faba-135	138	12	,	,	PUNCT
faba-135	138	13	a	a	DET
faba-135	138	14	gradual	gradual	ADJ
faba-135	138	15	stabilization	stabilization	NOUN
faba-135	138	16	and	and	CCONJ
faba-135	138	17	improvement	improvement	NOUN
faba-135	138	18	in	in	ADP
faba-135	138	19	the	the	DET
faba-135	138	20	quality	quality	NOUN
faba-135	138	21	of	of	ADP
faba-135	138	22	the	the	DET
faba-135	138	23	loan	loan	NOUN
faba-135	138	24	portfolios	portfolio	NOUN
faba-135	138	25	of	of	ADP
faba-135	138	26	banks	bank	NOUN
faba-135	138	27	in	in	ADP
faba-135	138	28	central	central	ADJ
faba-135	138	29	and	and	CCONJ
faba-135	138	30	eastern	eastern	ADJ
faba-135	138	31	european	european	ADJ
faba-135	138	32	countries	country	NOUN
faba-135	138	33	is	be	AUX
faba-135	138	34	also	also	ADV
faba-135	138	35	reported	report	VERB
faba-135	138	36	,	,	PUNCT
faba-135	138	37	reaching	reach	VERB
faba-135	138	38	levels	level	NOUN
faba-135	138	39	below	below	ADP
faba-135	138	40	5	5	NUM
faba-135	138	41	%	%	NOUN
faba-135	138	42	of	of	ADP
faba-135	138	43	the	the	DET
faba-135	138	44	loan	loan	NOUN
faba-135	138	45	portfolios	portfolio	NOUN
faba-135	138	46	of	of	ADP
faba-135	138	47	banks	bank	NOUN
faba-135	138	48	in	in	ADP
faba-135	138	49	the	the	DET
faba-135	138	50	countries	country	NOUN
faba-135	138	51	analyzed	analyze	VERB
faba-135	138	52	in	in	ADP
faba-135	138	53	2021	2021	NUM
faba-135	138	54	.	.	PUNCT
faba-135	139	1	taking	take	VERB
faba-135	139	2	the	the	DET
faba-135	139	3	importance	importance	NOUN
faba-135	139	4	of	of	ADP
faba-135	139	5	credit	credit	NOUN
faba-135	139	6	for	for	ADP
faba-135	139	7	countries	country	NOUN
faba-135	139	8	'	'	PART
faba-135	139	9	economic	economic	ADJ
faba-135	139	10	development	development	NOUN
faba-135	139	11	,	,	PUNCT
faba-135	139	12	future	future	ADJ
faba-135	139	13	work	work	NOUN
faba-135	139	14	will	will	AUX
faba-135	139	15	focus	focus	VERB
faba-135	139	16	on	on	ADP
faba-135	139	17	identifying	identify	VERB
faba-135	139	18	the	the	DET
faba-135	139	19	determinants	determinant	NOUN
faba-135	139	20	of	of	ADP
faba-135	139	21	credit	credit	NOUN
faba-135	139	22	dynamics	dynamic	NOUN
faba-135	139	23	in	in	ADP
faba-135	139	24	central	central	ADJ
faba-135	139	25	and	and	CCONJ
faba-135	139	26	eastern	eastern	ADJ
faba-135	139	27	european	european	ADJ
faba-135	139	28	countries	country	NOUN
faba-135	139	29	.	.	PUNCT
faba-135	140	1	this	this	PRON
faba-135	140	2	is	be	AUX
faba-135	140	3	also	also	ADV
faba-135	140	4	important	important	ADJ
faba-135	140	5	for	for	ADP
faba-135	140	6	economic	economic	ADJ
faba-135	140	7	policy	policy	NOUN
faba-135	140	8	makers	maker	NOUN
faba-135	140	9	,	,	PUNCT
faba-135	140	10	as	as	ADP
faba-135	140	11	expectations	expectation	NOUN
faba-135	140	12	of	of	ADP
faba-135	140	13	recession	recession	NOUN
faba-135	140	14	in	in	ADP
faba-135	140	15	the	the	DET
faba-135	140	16	countries	country	NOUN
faba-135	140	17	and	and	CCONJ
faba-135	140	18	rising	rise	VERB
faba-135	140	19	inflation	inflation	NOUN
faba-135	140	20	,	,	PUNCT
faba-135	140	21	they	they	PRON
faba-135	140	22	will	will	AUX
faba-135	140	23	face	face	VERB
faba-135	140	24	new	new	ADJ
faba-135	140	25	challenges	challenge	NOUN
faba-135	140	26	.	.	PUNCT
faba-135	141	1	acknowledgements	acknowledgement	NOUN
faba-135	141	2	this	this	DET
faba-135	141	3	work	work	NOUN
faba-135	141	4	was	be	AUX
faba-135	141	5	supported	support	VERB
faba-135	141	6	by	by	ADP
faba-135	141	7	thе	thе	NOUN
faba-135	141	8	unwe	unwe	ADJ
faba-135	141	9	research	research	NOUN
faba-135	141	10	programme	programme	NOUN
faba-135	141	11	(	(	PUNCT
faba-135	141	12	research	research	NOUN
faba-135	141	13	grant	grant	VERB
faba-135	141	14	no10/2021	no10/2021	PROPN
faba-135	141	15	„	„	PUNCT
faba-135	141	16	economic	economic	ADJ
faba-135	141	17	activity	activity	NOUN
faba-135	141	18	and	and	CCONJ
faba-135	141	19	development	development	NOUN
faba-135	141	20	of	of	ADP
faba-135	141	21	the	the	DET
faba-135	141	22	banking	banking	NOUN
faba-135	141	23	sector	sector	NOUN
faba-135	141	24	in	in	ADP
faba-135	141	25	central	central	ADJ
faba-135	141	26	and	and	CCONJ
faba-135	141	27	eastern	eastern	ADJ
faba-135	141	28	europe	europe	PROPN
faba-135	141	29	in	in	ADP
faba-135	141	30	the	the	DET
faba-135	141	31	context	context	NOUN
faba-135	141	32	of	of	ADP
faba-135	141	33	contemporary	contemporary	ADJ
faba-135	141	34	crisis	crisis	NOUN
faba-135	141	35	processes	process	NOUN
faba-135	141	36	“	"	PUNCT
faba-135	141	37	)	)	PUNCT
faba-135	141	38	references	reference	NOUN
faba-135	141	39	adusei	adusei	ADJ
faba-135	141	40	,	,	PUNCT
faba-135	141	41	m.	m.	NOUN
faba-135	141	42	(	(	PUNCT
faba-135	141	43	2013	2013	NUM
faba-135	141	44	)	)	PUNCT
faba-135	141	45	,	,	PUNCT
faba-135	141	46	finance	finance	NOUN
faba-135	141	47	-	-	PUNCT
faba-135	141	48	growth	growth	NOUN
faba-135	141	49	nexus	nexus	NOUN
faba-135	141	50	in	in	ADP
faba-135	141	51	africa	africa	PROPN
faba-135	141	52	:	:	PUNCT
faba-135	141	53	a	a	DET
faba-135	141	54	panel	panel	NOUN
faba-135	141	55	generalized	generalize	VERB
faba-135	141	56	method	method	NOUN
faba-135	141	57	of	of	ADP
faba-135	141	58	moments	moment	NOUN
faba-135	141	59	(	(	PUNCT
faba-135	141	60	gmm	gmm	NOUN
faba-135	141	61	)	)	PUNCT
faba-135	141	62	analysis	analysis	NOUN
faba-135	141	63	,	,	PUNCT
faba-135	141	64	asian	asian	ADJ
faba-135	141	65	economic	economic	ADJ
faba-135	141	66	and	and	CCONJ
faba-135	141	67	financial	financial	ADJ
faba-135	141	68	review	review	NOUN
faba-135	141	69	,	,	PUNCT
faba-135	141	70	vol	vol	NOUN
faba-135	141	71	.	.	PROPN
faba-135	142	1	3	3	NUM
faba-135	142	2	,	,	PUNCT
faba-135	142	3	no	no	DET
faba-135	142	4	10	10	NUM
faba-135	142	5	,	,	PUNCT
faba-135	142	6	1314	1314	NUM
faba-135	142	7	-	-	SYM
faba-135	142	8	1324	1324	NUM
faba-135	142	9	.	.	PUNCT
faba-135	143	1	al	al	PROPN
faba-135	143	2	-	-	PUNCT
faba-135	143	3	shammaria	shammaria	PROPN
faba-135	143	4	,	,	PUNCT
faba-135	143	5	n.	n.	PROPN
faba-135	143	6	,	,	PUNCT
faba-135	143	7	el	el	NOUN
faba-135	143	8	-	-	PUNCT
faba-135	143	9	sakka	sakka	NOUN
faba-135	143	10	,	,	PUNCT
faba-135	143	11	m.	m.	NOUN
faba-135	143	12	(	(	PUNCT
faba-135	143	13	2018	2018	NUM
faba-135	143	14	)	)	PUNCT
faba-135	143	15	macroeconomic	macroeconomic	ADJ
faba-135	143	16	determinants	determinant	NOUN
faba-135	143	17	of	of	ADP
faba-135	143	18	credit	credit	NOUN
faba-135	143	19	growth	growth	NOUN
faba-135	143	20	in	in	ADP
faba-135	143	21	oecd	oecd	PROPN
faba-135	143	22	countries	country	NOUN
faba-135	143	23	.	.	PUNCT
faba-135	144	1	-20.0	-20.0	NOUN
faba-135	144	2	%	%	NOUN
faba-135	145	1	-10.0	-10.0	NUM
faba-135	145	2	%	%	NOUN
faba-135	145	3	0.0	0.0	NUM
faba-135	145	4	%	%	NOUN
faba-135	145	5	10.0	10.0	NUM
faba-135	145	6	%	%	NOUN
faba-135	145	7	20.0	20.0	NUM
faba-135	145	8	%	%	NOUN
faba-135	145	9	30.0	30.0	NUM
faba-135	145	10	%	%	NOUN
faba-135	145	11	40.0	40.0	NUM
faba-135	145	12	%	%	NOUN
faba-135	145	13	2	2	NUM
faba-135	145	14	0	0	NUM
faba-135	145	15	0	0	NUM
faba-135	145	16	7	7	NUM
faba-135	145	17	2	2	NUM
faba-135	145	18	0	0	NUM
faba-135	145	19	0	0	NUM
faba-135	145	20	8	8	NUM
faba-135	145	21	2	2	NUM
faba-135	145	22	0	0	NUM
faba-135	145	23	0	0	NUM
faba-135	145	24	9	9	NUM
faba-135	145	25	2	2	NUM
faba-135	145	26	0	0	NUM
faba-135	145	27	1	1	NUM
faba-135	145	28	0	0	NUM
faba-135	145	29	2	2	NUM
faba-135	145	30	0	0	NUM
faba-135	145	31	1	1	NUM
faba-135	145	32	1	1	NUM
faba-135	145	33	2	2	NUM
faba-135	145	34	0	0	NUM
faba-135	145	35	1	1	NUM
faba-135	145	36	2	2	NUM
faba-135	145	37	2	2	NUM
faba-135	145	38	0	0	NUM
faba-135	145	39	1	1	NUM
faba-135	145	40	3	3	NUM
faba-135	145	41	2	2	NUM
faba-135	145	42	0	0	NUM
faba-135	145	43	1	1	NUM
faba-135	145	44	4	4	NUM
faba-135	145	45	2	2	NUM
faba-135	145	46	0	0	NUM
faba-135	145	47	1	1	NUM
faba-135	145	48	5	5	NUM
faba-135	145	49	2	2	NUM
faba-135	145	50	0	0	NUM
faba-135	145	51	1	1	NUM
faba-135	145	52	6	6	NUM
faba-135	145	53	2	2	NUM
faba-135	145	54	0	0	NUM
faba-135	145	55	1	1	NUM
faba-135	145	56	7	7	NUM
faba-135	145	57	2	2	NUM
faba-135	145	58	0	0	NUM
faba-135	145	59	1	1	NUM
faba-135	145	60	8	8	NUM
faba-135	145	61	2	2	NUM
faba-135	145	62	0	0	NUM
faba-135	145	63	1	1	NUM
faba-135	145	64	9	9	NUM
faba-135	145	65	2	2	NUM
faba-135	145	66	0	0	NUM
faba-135	145	67	2	2	NUM
faba-135	145	68	0	0	NUM
faba-135	145	69	2	2	NUM
faba-135	145	70	0	0	NUM
faba-135	145	71	2	2	NUM
faba-135	145	72	1	1	NUM
faba-135	145	73	estonia	estonia	PROPN
faba-135	145	74	latvia	latvia	PROPN
faba-135	145	75	lithuania	lithuania	PROPN
faba-135	145	76	slovak	slovak	PROPN
faba-135	145	77	republic	republic	PROPN
faba-135	145	78	slovenia	slovenia	PROPN
faba-135	145	79	finance	finance	PROPN
faba-135	145	80	,	,	PUNCT
faba-135	145	81	accounting	accounting	NOUN
faba-135	145	82	and	and	CCONJ
faba-135	145	83	business	business	NOUN
faba-135	145	84	analysis	analysis	NOUN
faba-135	145	85	4	4	NUM
faba-135	145	86	(	(	PUNCT
faba-135	145	87	2	2	NUM
faba-135	145	88	)	)	PUNCT
faba-135	145	89	2022	2022	NUM
faba-135	145	90	97	97	NUM
faba-135	145	91	aydin	aydin	NOUN
faba-135	145	92	,	,	PUNCT
faba-135	145	93	b.	b.	PROPN
faba-135	145	94	(	(	PUNCT
faba-135	145	95	2008	2008	NUM
faba-135	145	96	)	)	PUNCT
faba-135	145	97	banking	banking	NOUN
faba-135	145	98	structure	structure	NOUN
faba-135	145	99	and	and	CCONJ
faba-135	145	100	credit	credit	NOUN
faba-135	145	101	growth	growth	NOUN
faba-135	145	102	in	in	ADP
faba-135	145	103	cee	cee	NOUN
faba-135	145	104	countries	country	NOUN
faba-135	145	105	,	,	PUNCT
faba-135	145	106	imf	imf	PROPN
faba-135	145	107	working	working	PROPN
faba-135	145	108	papers	paper	NOUN
faba-135	145	109	2008/215	2008/215	NUM
faba-135	145	110	,	,	PUNCT
faba-135	145	111	international	international	ADJ
faba-135	145	112	monetary	monetary	ADJ
faba-135	145	113	fund	fund	NOUN
faba-135	145	114	.	.	PUNCT
faba-135	146	1	bernard	bernard	PROPN
faba-135	146	2	,	,	PUNCT
faba-135	146	3	au	au	PROPN
faba-135	146	4	,	,	PUNCT
faba-135	146	5	austin	austin	PROPN
faba-135	146	6	,	,	PUNCT
faba-135	146	7	a	a	DET
faba-135	146	8	(	(	PUNCT
faba-135	146	9	2011	2011	NUM
faba-135	146	10	)	)	PUNCT
faba-135	146	11	the	the	DET
faba-135	146	12	role	role	NOUN
faba-135	146	13	of	of	ADP
faba-135	146	14	stock	stock	NOUN
faba-135	146	15	market	market	NOUN
faba-135	146	16	development	development	NOUN
faba-135	146	17	on	on	ADP
faba-135	146	18	economic	economic	ADJ
faba-135	146	19	growth	growth	NOUN
faba-135	146	20	in	in	ADP
faba-135	146	21	nigeria	nigeria	PROPN
faba-135	146	22	:	:	PUNCT
faba-135	146	23	a	a	DET
faba-135	146	24	time	time	NOUN
faba-135	146	25	series	series	NOUN
faba-135	146	26	analysis	analysis	NOUN
faba-135	146	27	,	,	PUNCT
faba-135	146	28	african	african	ADJ
faba-135	146	29	research	research	NOUN
faba-135	146	30	review	review	NOUN
faba-135	146	31	,	,	PUNCT
faba-135	146	32	5(6	5(6	NUM
faba-135	146	33	):	):	PUNCT
faba-135	146	34	213	213	NUM
faba-135	146	35	-	-	SYM
faba-135	146	36	230	230	NUM
faba-135	146	37	.	.	PUNCT
faba-135	147	1	borisov	borisov	PROPN
faba-135	147	2	,	,	PUNCT
faba-135	147	3	l.	l.	PROPN
faba-135	147	4	(	(	PUNCT
faba-135	147	5	2017	2017	NUM
faba-135	147	6	)	)	PUNCT
faba-135	147	7	.	.	PUNCT
faba-135	148	1	impact	impact	NOUN
faba-135	148	2	of	of	ADP
faba-135	148	3	acquisitions	acquisition	NOUN
faba-135	148	4	and	and	CCONJ
faba-135	148	5	mergers	merger	NOUN
faba-135	148	6	on	on	ADP
faba-135	148	7	the	the	DET
faba-135	148	8	profitability	profitability	NOUN
faba-135	148	9	and	and	CCONJ
faba-135	148	10	efficiency	efficiency	NOUN
faba-135	148	11	of	of	ADP
faba-135	148	12	the	the	DET
faba-135	148	13	banks	bank	NOUN
faba-135	148	14	in	in	ADP
faba-135	148	15	bulgaria	bulgaria	PROPN
faba-135	148	16	.	.	PUNCT
faba-135	148	17	vuzf	vuzf	PROPN
faba-135	148	18	review	review	PROPN
faba-135	148	19	,	,	PUNCT
faba-135	148	20	(	(	PUNCT
faba-135	148	21	2	2	NUM
faba-135	148	22	)	)	PUNCT
faba-135	148	23	,	,	PUNCT
faba-135	148	24	16	16	NUM
faba-135	148	25	-	-	SYM
faba-135	148	26	30	30	NUM
faba-135	148	27	.	.	PUNCT
faba-135	149	1	borisov	borisov	PROPN
faba-135	149	2	,	,	PUNCT
faba-135	149	3	l.	l.	PROPN
faba-135	149	4	(	(	PUNCT
faba-135	149	5	2020	2020	NUM
faba-135	149	6	)	)	PUNCT
faba-135	149	7	impact	impact	NOUN
faba-135	149	8	of	of	ADP
faba-135	149	9	mergers	merger	NOUN
faba-135	149	10	and	and	CCONJ
faba-135	149	11	acquisitions	acquisition	NOUN
faba-135	149	12	on	on	ADP
faba-135	149	13	bank	bank	NOUN
faba-135	149	14	efficiency	efficiency	NOUN
faba-135	149	15	in	in	ADP
faba-135	149	16	bulgaria	bulgaria	PROPN
faba-135	149	17	.	.	PUNCT
faba-135	150	1	economic	economic	ADJ
faba-135	150	2	thoughts	thought	NOUN
faba-135	150	3	,	,	PUNCT
faba-135	150	4	(	(	PUNCT
faba-135	150	5	3	3	NUM
faba-135	150	6	)	)	PUNCT
faba-135	150	7	,	,	PUNCT
faba-135	150	8	66	66	NUM
faba-135	150	9	-	-	SYM
faba-135	150	10	85	85	NUM
faba-135	150	11	.	.	PUNCT
faba-135	151	1	[	[	X
faba-135	151	2	in	in	ADP
faba-135	151	3	bulgarian	bulgarian	NOUN
faba-135	151	4	]	]	PUNCT
faba-135	151	5	.	.	PUNCT
faba-135	152	1	calderon	calderon	PROPN
faba-135	152	2	,	,	PUNCT
faba-135	152	3	c.	c.	PROPN
faba-135	152	4	,	,	PUNCT
faba-135	152	5	liu	liu	PROPN
faba-135	152	6	,	,	PUNCT
faba-135	152	7	l.	l.	PROPN
faba-135	152	8	(	(	PUNCT
faba-135	152	9	2003	2003	NUM
faba-135	152	10	)	)	PUNCT
faba-135	152	11	,	,	PUNCT
faba-135	152	12	the	the	DET
faba-135	152	13	direction	direction	NOUN
faba-135	152	14	of	of	ADP
faba-135	152	15	causality	causality	NOUN
faba-135	152	16	between	between	ADP
faba-135	152	17	financial	financial	ADJ
faba-135	152	18	development	development	NOUN
faba-135	152	19	and	and	CCONJ
faba-135	152	20	economic	economic	ADJ
faba-135	152	21	growth	growth	NOUN
faba-135	152	22	,	,	PUNCT
faba-135	152	23	journal	journal	NOUN
faba-135	152	24	of	of	ADP
faba-135	152	25	development	development	NOUN
faba-135	152	26	economics	economic	NOUN
faba-135	152	27	,	,	PUNCT
faba-135	152	28	72	72	NUM
faba-135	152	29	,	,	PUNCT
faba-135	152	30	pp	pp	ADJ
faba-135	152	31	.	.	PUNCT
faba-135	153	1	321	321	NUM
faba-135	153	2	-	-	SYM
faba-135	153	3	334	334	NUM
faba-135	153	4	.	.	PUNCT
faba-135	153	5	de	de	PROPN
faba-135	153	6	gregorio	gregorio	PROPN
faba-135	153	7	,	,	PUNCT
faba-135	153	8	j.	j.	PROPN
faba-135	153	9	,	,	PUNCT
faba-135	153	10	guidotti	guidotti	PROPN
faba-135	153	11	,	,	PUNCT
faba-135	153	12	pe	pe	X
faba-135	153	13	(	(	PUNCT
faba-135	153	14	1995	1995	NUM
faba-135	153	15	)	)	PUNCT
faba-135	153	16	financial	financial	ADJ
faba-135	153	17	development	development	NOUN
faba-135	153	18	and	and	CCONJ
faba-135	153	19	economic	economic	ADJ
faba-135	153	20	growth	growth	NOUN
faba-135	153	21	.	.	PUNCT
faba-135	154	1	world	world	PROPN
faba-135	154	2	dev	dev	PROPN
faba-135	154	3	23	23	NUM
faba-135	154	4	(	(	PUNCT
faba-135	154	5	3	3	NUM
faba-135	154	6	):	):	PUNCT
faba-135	154	7	433	433	NUM
faba-135	154	8	-	-	SYM
faba-135	154	9	448	448	NUM
faba-135	154	10	.	.	PUNCT
faba-135	155	1	dimitrov	dimitrov	PROPN
faba-135	155	2	,	,	PUNCT
faba-135	155	3	k.	k.	PROPN
faba-135	155	4	(	(	PUNCT
faba-135	155	5	2018	2018	NUM
faba-135	155	6	)	)	PUNCT
faba-135	155	7	the	the	DET
faba-135	155	8	impact	impact	NOUN
faba-135	155	9	of	of	ADP
faba-135	155	10	the	the	DET
faba-135	155	11	global	global	ADJ
faba-135	155	12	financial	financial	ADJ
faba-135	155	13	crisis	crisis	NOUN
faba-135	155	14	on	on	ADP
faba-135	155	15	the	the	DET
faba-135	155	16	banking	banking	NOUN
faba-135	155	17	sector	sector	NOUN
faba-135	155	18	in	in	ADP
faba-135	155	19	bulgaria	bulgaria	PROPN
faba-135	155	20	,	,	PUNCT
faba-135	155	21	vuzf	vuzf	NOUN
faba-135	155	22	review	review	NOUN
faba-135	155	23	,	,	PUNCT
faba-135	155	24	(	(	PUNCT
faba-135	155	25	2	2	NUM
faba-135	155	26	)	)	PUNCT
faba-135	155	27	,	,	PUNCT
faba-135	155	28	76	76	NUM
faba-135	155	29	-	-	SYM
faba-135	155	30	84	84	NUM
faba-135	155	31	.	.	PUNCT
faba-135	156	1	[	[	X
faba-135	156	2	in	in	ADP
faba-135	156	3	bulgarian	bulgarian	PROPN
faba-135	156	4	]	]	X
faba-135	156	5	enoch	enoch	PROPN
faba-135	156	6	,	,	PUNCT
faba-135	156	7	ch	ch	PROPN
faba-135	156	8	.	.	PROPN
faba-135	156	9	,	,	PUNCT
faba-135	156	10	otker	otker	NOUN
faba-135	156	11	-	-	PUNCT
faba-135	156	12	robe	robe	NOUN
faba-135	156	13	,	,	PUNCT
faba-135	156	14	i.	i.	NOUN
faba-135	156	15	(	(	PUNCT
faba-135	156	16	2007	2007	NUM
faba-135	156	17	)	)	PUNCT
faba-135	156	18	rapid	rapid	ADJ
faba-135	156	19	credit	credit	NOUN
faba-135	156	20	growth	growth	NOUN
faba-135	156	21	in	in	ADP
faba-135	156	22	central	central	ADJ
faba-135	156	23	and	and	CCONJ
faba-135	156	24	eastern	eastern	ADJ
faba-135	156	25	europe	europe	PROPN
faba-135	156	26	:	:	PUNCT
faba-135	156	27	endless	endless	ADJ
faba-135	156	28	boom	boom	NOUN
faba-135	156	29	or	or	CCONJ
faba-135	156	30	early	early	ADJ
faba-135	156	31	warning	warning	NOUN
faba-135	156	32	?	?	PUNCT
faba-135	157	1	fitch	fitch	NOUN
faba-135	157	2	(	(	PUNCT
faba-135	157	3	2005	2005	NUM
faba-135	157	4	)	)	PUNCT
faba-135	157	5	fitch	fitch	NOUN
faba-135	157	6	affirms	affirm	VERB
faba-135	157	7	estonia	estonia	PROPN
faba-135	157	8	,	,	PUNCT
faba-135	157	9	april	april	PROPN
faba-135	157	10	15	15	NUM
faba-135	157	11	,	,	PUNCT
faba-135	157	12	https://www.fitchratings.com/research/sovereigns/fitchaffirms-estonia-15-04-2005	https://www.fitchratings.com/research/sovereigns/fitchaffirms-estonia-15-04-2005	PROPN
faba-135	157	13	gabeshi	gabeshi	PROPN
faba-135	157	14	,	,	PUNCT
faba-135	157	15	k.	k.	PROPN
faba-135	157	16	(	(	PUNCT
faba-135	157	17	2020	2020	NUM
faba-135	157	18	)	)	PUNCT
faba-135	157	19	analysis	analysis	NOUN
faba-135	157	20	of	of	ADP
faba-135	157	21	credit	credit	NOUN
faba-135	157	22	growth	growth	NOUN
faba-135	157	23	determinants	determinant	NOUN
faba-135	157	24	in	in	ADP
faba-135	157	25	the	the	DET
faba-135	157	26	european	european	ADJ
faba-135	157	27	countries	country	NOUN
faba-135	157	28	,	,	PUNCT
faba-135	157	29	economic	economic	ADJ
faba-135	157	30	sciences	science	NOUN
faba-135	157	31	series	series	NOUN
faba-135	157	32	,	,	PUNCT
faba-135	157	33	volume	volume	NOUN
faba-135	157	34	xx	xx	NUM
faba-135	157	35	,	,	PUNCT
faba-135	157	36	issue	issue	NOUN
faba-135	157	37	2	2	NUM
faba-135	157	38	.	.	PUNCT
faba-135	157	39	gattin	gattin	NOUN
faba-135	157	40	-	-	PUNCT
faba-135	157	41	turkalj	turkalj	NOUN
faba-135	157	42	,	,	PUNCT
faba-135	157	43	k.	k.	PROPN
faba-135	157	44	,	,	PUNCT
faba-135	157	45	ljubaj	ljubaj	PROPN
faba-135	157	46	,	,	PUNCT
faba-135	157	47	i.	i.	NOUN
faba-135	157	48	,	,	PUNCT
faba-135	157	49	martinis	martinis	PROPN
faba-135	157	50	,	,	PUNCT
faba-135	157	51	a.	a.	NOUN
faba-135	157	52	,	,	PUNCT
faba-135	157	53	mrkalj	mrkalj	PROPN
faba-135	157	54	,	,	PUNCT
faba-135	157	55	m.	m.	NOUN
faba-135	157	56	(	(	PUNCT
faba-135	157	57	2007	2007	NUM
faba-135	157	58	)	)	PUNCT
faba-135	157	59	estimating	estimate	VERB
faba-135	157	60	credit	credit	NOUN
faba-135	157	61	demand	demand	NOUN
faba-135	157	62	in	in	ADP
faba-135	157	63	croatia	croatia	PROPN
faba-135	157	64	.	.	PUNCT
faba-135	158	1	croatian	croatian	PROPN
faba-135	158	2	national	national	PROPN
faba-135	158	3	bank	bank	PROPN
faba-135	158	4	paper	paper	NOUN
faba-135	158	5	,	,	PUNCT
faba-135	158	6	1	1	NUM
faba-135	158	7	-	-	SYM
faba-135	158	8	36	36	NUM
faba-135	158	9	.	.	PUNCT
faba-135	159	1	goldsmith	goldsmith	PROPN
faba-135	159	2	,	,	PUNCT
faba-135	159	3	r.	r.	PROPN
faba-135	159	4	(	(	PUNCT
faba-135	159	5	1969	1969	NUM
faba-135	159	6	)	)	PUNCT
faba-135	159	7	,	,	PUNCT
faba-135	159	8	financial	financial	ADJ
faba-135	159	9	structure	structure	NOUN
faba-135	159	10	and	and	CCONJ
faba-135	159	11	development	development	NOUN
faba-135	159	12	.	.	PUNCT
faba-135	160	1	yale	yale	PROPN
faba-135	160	2	university	university	PROPN
faba-135	160	3	press	press	NOUN
faba-135	160	4	,	,	PUNCT
faba-135	160	5	new	new	ADJ
faba-135	160	6	haven	haven	NOUN
faba-135	160	7	,	,	PUNCT
faba-135	160	8	ct	ct	PROPN
faba-135	160	9	.	.	PUNCT
faba-135	161	1	guo	guo	PROPN
faba-135	161	2	,	,	PUNCT
faba-135	161	3	k.	k.	PROPN
faba-135	161	4	,	,	PUNCT
faba-135	161	5	stepanyan	stepanyan	PROPN
faba-135	161	6	,	,	PUNCT
faba-135	161	7	v.	v.	PROPN
faba-135	161	8	(	(	PUNCT
faba-135	161	9	2011	2011	NUM
faba-135	161	10	)	)	PUNCT
faba-135	161	11	determinants	determinant	NOUN
faba-135	161	12	of	of	ADP
faba-135	161	13	bank	bank	NOUN
faba-135	161	14	credit	credit	NOUN
faba-135	161	15	in	in	ADP
faba-135	161	16	emerging	emerge	VERB
faba-135	161	17	market	market	NOUN
faba-135	161	18	economies	economy	NOUN
faba-135	161	19	.	.	PUNCT
faba-135	162	1	imf	imf	PROPN
faba-135	162	2	working	working	PROPN
faba-135	162	3	papers	paper	NOUN
faba-135	162	4	,	,	PUNCT
faba-135	162	5	1	1	NUM
faba-135	162	6	-	-	SYM
faba-135	162	7	20	20	NUM
faba-135	162	8	.	.	PUNCT
faba-135	163	1	harvan	harvan	PROPN
faba-135	163	2	,	,	PUNCT
faba-135	163	3	p.	p.	NOUN
faba-135	163	4	,	,	PUNCT
faba-135	163	5	jevcak	jevcak	PROPN
faba-135	163	6	,	,	PUNCT
faba-135	163	7	a.	a.	NOUN
faba-135	163	8	,	,	PUNCT
faba-135	163	9	pontuch	pontuch	NOUN
faba-135	163	10	,	,	PUNCT
faba-135	163	11	p.	p.	NOUN
faba-135	163	12	,	,	PUNCT
faba-135	163	13	solanic	solanic	ADJ
faba-135	163	14	v	v	NOUN
faba-135	163	15	(	(	PUNCT
faba-135	163	16	2015	2015	NUM
faba-135	163	17	)	)	PUNCT
faba-135	163	18	the	the	DET
faba-135	163	19	impact	impact	NOUN
faba-135	163	20	of	of	ADP
faba-135	163	21	rapid	rapid	ADJ
faba-135	163	22	credit	credit	NOUN
faba-135	163	23	growth	growth	NOUN
faba-135	163	24	on	on	ADP
faba-135	163	25	slovakia	slovakia	PROPN
faba-135	163	26	’s	’s	PART
faba-135	163	27	housing	housing	NOUN
faba-135	163	28	market	market	NOUN
faba-135	163	29	,	,	PUNCT
faba-135	163	30	economic	economic	ADJ
faba-135	163	31	brief	brief	NOUN
faba-135	163	32	006	006	NUM
faba-135	163	33	,	,	PUNCT
faba-135	163	34	european	european	PROPN
faba-135	163	35	commission	commission	PROPN
faba-135	163	36	.	.	PUNCT
faba-135	164	1	king	king	PROPN
faba-135	164	2	,	,	PUNCT
faba-135	164	3	r.	r.	PROPN
faba-135	164	4	,	,	PUNCT
faba-135	164	5	levine	levine	PROPN
faba-135	164	6	,	,	PUNCT
faba-135	164	7	r.	r.	PROPN
faba-135	164	8	(	(	PUNCT
faba-135	164	9	1993a	1993a	NUM
faba-135	164	10	)	)	PUNCT
faba-135	164	11	,	,	PUNCT
faba-135	164	12	finance	finance	NOUN
faba-135	164	13	,	,	PUNCT
faba-135	164	14	entrepreneurship	entrepreneurship	NOUN
faba-135	164	15	,	,	PUNCT
faba-135	164	16	and	and	CCONJ
faba-135	164	17	growths	growth	NOUN
faba-135	164	18	:	:	PUNCT
faba-135	164	19	theory	theory	NOUN
faba-135	164	20	and	and	CCONJ
faba-135	164	21	evidence	evidence	NOUN
faba-135	164	22	,	,	PUNCT
faba-135	164	23	journal	journal	NOUN
faba-135	164	24	of	of	ADP
faba-135	164	25	monetary	monetary	ADJ
faba-135	164	26	economics	economic	NOUN
faba-135	164	27	,	,	PUNCT
faba-135	164	28	vol	vol	NOUN
faba-135	164	29	.	.	PROPN
faba-135	164	30	32	32	NUM
faba-135	164	31	,	,	PUNCT
faba-135	164	32	no	no	INTJ
faba-135	164	33	.	.	NOUN
faba-135	164	34	3	3	NUM
faba-135	164	35	,	,	PUNCT
faba-135	164	36	pp	pp	ADJ
faba-135	164	37	.	.	PUNCT
faba-135	165	1	513	513	NUM
faba-135	165	2	-	-	SYM
faba-135	165	3	54	54	NUM
faba-135	165	4	.	.	PUNCT
faba-135	166	1	king	king	PROPN
faba-135	166	2	,	,	PUNCT
faba-135	166	3	r.	r.	PROPN
faba-135	166	4	,	,	PUNCT
faba-135	166	5	levine	levine	PROPN
faba-135	166	6	,	,	PUNCT
faba-135	166	7	r.	r.	PROPN
faba-135	166	8	(	(	PUNCT
faba-135	166	9	1993b	1993b	NUM
faba-135	166	10	)	)	PUNCT
faba-135	166	11	,	,	PUNCT
faba-135	166	12	finance	finance	NOUN
faba-135	166	13	and	and	CCONJ
faba-135	166	14	growth	growth	NOUN
faba-135	166	15	:	:	PUNCT
faba-135	166	16	shumpeter	shumpeter	NOUN
faba-135	166	17	might	might	AUX
faba-135	166	18	be	be	AUX
faba-135	166	19	right	right	ADJ
faba-135	166	20	,	,	PUNCT
faba-135	166	21	policy	policy	NOUN
faba-135	166	22	research	research	NOUN
faba-135	166	23	working	working	NOUN
faba-135	166	24	papers	paper	NOUN
faba-135	166	25	,	,	PUNCT
faba-135	166	26	world	world	PROPN
faba-135	166	27	bank	bank	PROPN
faba-135	166	28	,	,	PUNCT
faba-135	166	29	no	no	DET
faba-135	166	30	1083	1083	NUM
faba-135	166	31	.	.	PUNCT
faba-135	167	1	kiss	kiss	PROPN
faba-135	167	2	,	,	PUNCT
faba-135	167	3	g.	g.	PROPN
faba-135	167	4	,	,	PUNCT
faba-135	167	5	nagy	nagy	NOUN
faba-135	167	6	,	,	PUNCT
faba-135	167	7	m.	m.	NOUN
faba-135	167	8	,	,	PUNCT
faba-135	167	9	vonnak	vonnak	NOUN
faba-135	167	10	,	,	PUNCT
faba-135	167	11	b.	b.	PROPN
faba-135	167	12	(	(	PUNCT
faba-135	167	13	2006	2006	NUM
faba-135	167	14	)	)	PUNCT
faba-135	167	15	credit	credit	NOUN
faba-135	167	16	growth	growth	NOUN
faba-135	167	17	in	in	ADP
faba-135	167	18	central	central	ADJ
faba-135	167	19	and	and	CCONJ
faba-135	167	20	eastern	eastern	ADJ
faba-135	167	21	europe	europe	PROPN
faba-135	167	22	:	:	PUNCT
faba-135	167	23	convergence	convergence	NOUN
faba-135	167	24	or	or	CCONJ
faba-135	167	25	boom	boom	NOUN
faba-135	167	26	?	?	PUNCT
faba-135	167	27	,	,	PUNCT
faba-135	167	28	magyar	magyar	PROPN
faba-135	167	29	nemzeti	nemzeti	PROPN
faba-135	167	30	bank	bank	PROPN
faba-135	167	31	,	,	PUNCT
faba-135	167	32	mnb	mnb	VERB
faba-135	167	33	working	working	NOUN
faba-135	167	34	papers	paper	NOUN
faba-135	167	35	2006/10	2006/10	NUM
faba-135	167	36	lynch	lynch	PROPN
faba-135	167	37	,	,	PUNCT
faba-135	167	38	d.	d.	PROPN
faba-135	167	39	(	(	PUNCT
faba-135	167	40	1996	1996	NUM
faba-135	167	41	)	)	PUNCT
faba-135	167	42	measuring	measure	VERB
faba-135	167	43	financial	financial	ADJ
faba-135	167	44	sector	sector	NOUN
faba-135	167	45	development	development	NOUN
faba-135	167	46	:	:	PUNCT
faba-135	167	47	a	a	DET
faba-135	167	48	study	study	NOUN
faba-135	167	49	of	of	ADP
faba-135	167	50	selected	select	VERB
faba-135	167	51	asia	asia	PROPN
faba-135	167	52	-	-	PUNCT
faba-135	167	53	pacific	pacific	ADJ
faba-135	167	54	countries	country	NOUN
faba-135	167	55	.	.	PUNCT
faba-135	168	1	the	the	DET
faba-135	168	2	developing	develop	VERB
faba-135	168	3	economies	economy	NOUN
faba-135	168	4	,	,	PUNCT
faba-135	168	5	xxxiv	xxxiv	PROPN
faba-135	168	6	,	,	PUNCT
faba-135	168	7	march	march	PROPN
faba-135	168	8	.	.	PUNCT
faba-135	169	1	levine	levine	PROPN
faba-135	169	2	,	,	PUNCT
faba-135	169	3	r.	r.	PROPN
faba-135	169	4	(	(	PUNCT
faba-135	169	5	1997	1997	NUM
faba-135	169	6	)	)	PUNCT
faba-135	169	7	,	,	PUNCT
faba-135	169	8	financial	financial	ADJ
faba-135	169	9	development	development	NOUN
faba-135	169	10	and	and	CCONJ
faba-135	169	11	economic	economic	ADJ
faba-135	169	12	growth	growth	NOUN
faba-135	169	13	:	:	PUNCT
faba-135	169	14	views	view	NOUN
faba-135	169	15	and	and	CCONJ
faba-135	169	16	agenda	agenda	NOUN
faba-135	169	17	,	,	PUNCT
faba-135	169	18	journal	journal	NOUN
faba-135	169	19	of	of	ADP
faba-135	169	20	economic	economic	ADJ
faba-135	169	21	literature	literature	NOUN
faba-135	169	22	,	,	PUNCT
faba-135	169	23	vol	vol	NOUN
faba-135	169	24	.	.	PROPN
faba-135	169	25	35	35	NUM
faba-135	169	26	,	,	PUNCT
faba-135	169	27	no	no	INTJ
faba-135	169	28	.	.	NOUN
faba-135	169	29	2	2	NUM
faba-135	169	30	,	,	PUNCT
faba-135	169	31	pp	pp	ADJ
faba-135	169	32	.	.	PUNCT
faba-135	170	1	688	688	NUM
faba-135	170	2	-	-	SYM
faba-135	170	3	726	726	NUM
faba-135	170	4	.	.	PUNCT
faba-135	170	5	levine	levine	PROPN
faba-135	170	6	,	,	PUNCT
faba-135	170	7	r.	r.	PROPN
faba-135	170	8	,	,	PUNCT
faba-135	170	9	zervos	zervos	PROPN
faba-135	170	10	.	.	PUNCT
faba-135	170	11	,	,	PUNCT
faba-135	170	12	s.	s.	PROPN
faba-135	170	13	(	(	PUNCT
faba-135	170	14	1998	1998	NUM
faba-135	170	15	)	)	PUNCT
faba-135	170	16	stock	stock	NOUN
faba-135	170	17	markets	market	NOUN
faba-135	170	18	,	,	PUNCT
faba-135	170	19	banks	bank	NOUN
faba-135	170	20	,	,	PUNCT
faba-135	170	21	and	and	CCONJ
faba-135	170	22	economic	economic	ADJ
faba-135	170	23	growth	growth	NOUN
faba-135	170	24	.	.	PUNCT
faba-135	171	1	the	the	DET
faba-135	171	2	american	american	PROPN
faba-135	171	3	economic	economic	PROPN
faba-135	171	4	review	review	PROPN
faba-135	171	5	88:537–58	88:537–58	PROPN
faba-135	171	6	.	.	PUNCT
faba-135	172	1	luintel	luintel	NOUN
faba-135	172	2	,	,	PUNCT
faba-135	172	3	k.b	k.b	PROPN
faba-135	172	4	.	.	PROPN
faba-135	172	5	,	,	PUNCT
faba-135	172	6	khan	khan	PROPN
faba-135	172	7	,	,	PUNCT
faba-135	172	8	m	m	PROPN
faba-135	172	9	,	,	PUNCT
faba-135	172	10	(	(	PUNCT
faba-135	172	11	1999	1999	NUM
faba-135	172	12	)	)	PUNCT
faba-135	172	13	,	,	PUNCT
faba-135	172	14	a	a	DET
faba-135	172	15	quantitative	quantitative	ADJ
faba-135	172	16	reassessment	reassessment	NOUN
faba-135	172	17	of	of	ADP
faba-135	172	18	finance	finance	NOUN
faba-135	172	19	-	-	PUNCT
faba-135	172	20	growth	growth	NOUN
faba-135	172	21	nexus	nexus	NOUN
faba-135	172	22	:	:	PUNCT
faba-135	172	23	evidence	evidence	NOUN
faba-135	172	24	from	from	ADP
faba-135	172	25	a	a	DET
faba-135	172	26	multivariate	multivariate	NOUN
faba-135	172	27	var	var	NOUN
faba-135	172	28	,	,	PUNCT
faba-135	172	29	journal	journal	NOUN
faba-135	172	30	of	of	ADP
faba-135	172	31	development	development	NOUN
faba-135	172	32	economics	economic	NOUN
faba-135	172	33	,	,	PUNCT
faba-135	172	34	vol	vol	NOUN
faba-135	172	35	.	.	PROPN
faba-135	172	36	60	60	NUM
faba-135	172	37	,	,	PUNCT
faba-135	172	38	no	no	INTJ
faba-135	172	39	.	.	NOUN
faba-135	172	40	2	2	NUM
faba-135	172	41	,	,	PUNCT
faba-135	172	42	381	381	NUM
faba-135	172	43	-	-	SYM
faba-135	172	44	405	405	NUM
faba-135	172	45	.	.	PUNCT
faba-135	173	1	mihaylova	mihaylova	PROPN
faba-135	173	2	-	-	PUNCT
faba-135	173	3	borisova	borisova	PROPN
faba-135	173	4	,	,	PUNCT
faba-135	173	5	g.	g.	PROPN
faba-135	173	6	(	(	PUNCT
faba-135	173	7	2021a	2021a	NUM
faba-135	173	8	)	)	PUNCT
faba-135	173	9	,	,	PUNCT
faba-135	173	10	the	the	DET
faba-135	173	11	banking	banking	NOUN
faba-135	173	12	sector	sector	NOUN
faba-135	173	13	in	in	ADP
faba-135	173	14	bulgaria	bulgaria	PROPN
faba-135	173	15	in	in	ADP
faba-135	173	16	the	the	DET
faba-135	173	17	conditions	condition	NOUN
faba-135	173	18	of	of	ADP
faba-135	173	19	the	the	DET
faba-135	173	20	covid-19	covid-19	PROPN
faba-135	173	21	pandemic	pandemic	ADJ
faba-135	173	22	,	,	PUNCT
faba-135	173	23	sixteenth	sixteenth	ADJ
faba-135	173	24	international	international	ADJ
faba-135	173	25	scientific	scientific	ADJ
faba-135	173	26	conference	conference	NOUN
faba-135	173	27	of	of	ADP
faba-135	173	28	young	young	ADJ
faba-135	173	29	scientists	scientist	NOUN
faba-135	173	30	"	"	PUNCT
faba-135	173	31	the	the	DET
faba-135	173	32	economy	economy	NOUN
faba-135	173	33	of	of	ADP
faba-135	173	34	bulgaria	bulgaria	PROPN
faba-135	173	35	and	and	CCONJ
faba-135	173	36	the	the	DET
faba-135	173	37	eu	eu	PROPN
faba-135	173	38	.	.	PROPN
faba-135	173	39	gregory	gregory	PROPN
faba-135	174	1	the	the	DET
faba-135	174	2	theologian	theologian	PROPN
faba-135	174	3	,	,	PUNCT
faba-135	174	4	sofia	sofia	PROPN
faba-135	174	5	.	.	PUNCT
faba-135	175	1	[	[	X
faba-135	175	2	in	in	ADP
faba-135	175	3	bulgarian	bulgarian	NOUN
faba-135	175	4	]	]	PUNCT
faba-135	175	5	mihaylova	mihaylova	X
faba-135	175	6	-	-	PUNCT
faba-135	175	7	borisova	borisova	NOUN
faba-135	175	8	,	,	PUNCT
faba-135	175	9	g.	g.	PROPN
faba-135	175	10	(	(	PUNCT
faba-135	175	11	2021b	2021b	NUM
faba-135	175	12	)	)	PUNCT
faba-135	175	13	,	,	PUNCT
faba-135	175	14	the	the	DET
faba-135	175	15	ecb	ecb	NOUN
faba-135	175	16	and	and	CCONJ
faba-135	175	17	its	its	PRON
faba-135	175	18	unconventional	unconventional	ADJ
faba-135	175	19	monetary	monetary	ADJ
faba-135	175	20	policy	policy	NOUN
faba-135	175	21	from	from	ADP
faba-135	175	22	the	the	DET
faba-135	175	23	global	global	ADJ
faba-135	175	24	financial	financial	ADJ
faba-135	175	25	crisis	crisis	NOUN
faba-135	175	26	to	to	ADP
faba-135	175	27	the	the	DET
faba-135	175	28	pandemic	pandemic	ADJ
faba-135	175	29	crisis	crisis	NOUN
faba-135	175	30	,	,	PUNCT
faba-135	175	31	business	business	NOUN
faba-135	175	32	directions	direction	NOUN
faba-135	175	33	,	,	PUNCT
faba-135	175	34	no	no	INTJ
faba-135	175	35	.	.	NOUN
faba-135	175	36	2	2	X
faba-135	175	37	.	.	PUNCT
faba-135	176	1	[	[	X
faba-135	176	2	in	in	ADP
faba-135	176	3	bulgarian	bulgarian	NOUN
faba-135	176	4	]	]	X
faba-135	176	5	ndlovu	ndlovu	PROPN
faba-135	176	6	,	,	PUNCT
faba-135	176	7	g.	g.	PROPN
faba-135	176	8	(	(	PUNCT
faba-135	176	9	2013	2013	NUM
faba-135	176	10	)	)	PUNCT
faba-135	176	11	financial	financial	ADJ
faba-135	176	12	sector	sector	NOUN
faba-135	176	13	development	development	NOUN
faba-135	176	14	and	and	CCONJ
faba-135	176	15	economic	economic	ADJ
faba-135	176	16	growth	growth	NOUN
faba-135	176	17	:	:	PUNCT
faba-135	176	18	evidence	evidence	NOUN
faba-135	176	19	from	from	ADP
faba-135	176	20	zimbabwe	zimbabwe	PROPN
faba-135	176	21	,	,	PUNCT
faba-135	176	22	international	international	ADJ
faba-135	176	23	journal	journal	NOUN
faba-135	176	24	of	of	ADP
faba-135	176	25	economics	economic	NOUN
faba-135	176	26	and	and	CCONJ
faba-135	176	27	financial	financial	ADJ
faba-135	176	28	issues	issue	NOUN
faba-135	176	29	,	,	PUNCT
faba-135	176	30	vol	vol	NOUN
faba-135	176	31	.	.	PROPN
faba-135	176	32	3	3	NUM
faba-135	176	33	,	,	PUNCT
faba-135	176	34	no	no	INTJ
faba-135	176	35	.	.	NOUN
faba-135	176	36	2	2	NUM
faba-135	176	37	,	,	PUNCT
faba-135	176	38	435	435	NUM
faba-135	176	39	-	-	SYM
faba-135	176	40	446	446	NUM
faba-135	176	41	.	.	PUNCT
faba-135	177	1	nenovsky	nenovsky	ADJ
faba-135	177	2	,	,	PUNCT
faba-135	177	3	n	n	CCONJ
faba-135	177	4	;	;	PUNCT
faba-135	177	5	mihaylova	mihaylova	X
faba-135	177	6	,	,	PUNCT
faba-135	177	7	g.	g.	PROPN
faba-135	177	8	,	,	PUNCT
faba-135	177	9	chobanov	chobanov	PROPN
faba-135	177	10	,	,	PUNCT
faba-135	177	11	p.	p.	PROPN
faba-135	177	12	;	;	PUNCT
faba-135	177	13	koleva	koleva	PROPN
faba-135	177	14	,	,	PUNCT
faba-135	177	15	d.	d.	PROPN
faba-135	177	16	(	(	PUNCT
faba-135	177	17	2008	2008	NUM
faba-135	177	18	)	)	PUNCT
faba-135	177	19	.	.	PUNCT
faba-135	178	1	efficiency	efficiency	NOUN
faba-135	178	2	of	of	ADP
faba-135	178	3	the	the	DET
faba-135	178	4	bulgarian	bulgarian	ADJ
faba-135	178	5	banking	banking	NOUN
faba-135	178	6	system	system	NOUN
faba-135	178	7	:	:	PUNCT
faba-135	178	8	traditional	traditional	ADJ
faba-135	178	9	approach	approach	NOUN
faba-135	178	10	and	and	CCONJ
faba-135	178	11	data	data	VERB
faba-135	178	12	envelopment	envelopment	ADJ
faba-135	178	13	analysis	analysis	NOUN
faba-135	178	14	.	.	PUNCT
faba-135	179	1	working	work	VERB
faba-135	179	2	paper	paper	NOUN
faba-135	179	3	series	series	NOUN
faba-135	179	4	,	,	PUNCT
faba-135	179	5	agency	agency	NOUN
faba-135	179	6	for	for	ADP
faba-135	179	7	economic	economic	ADJ
faba-135	179	8	analysis	analysis	NOUN
faba-135	179	9	and	and	CCONJ
faba-135	179	10	forecasting	forecasting	NOUN
faba-135	179	11	.	.	PUNCT
faba-135	180	1	oecd	oecd	PROPN
faba-135	180	2	(	(	PUNCT
faba-135	180	3	2011	2011	NUM
faba-135	180	4	)	)	PUNCT
faba-135	180	5	estonia	estonia	PROPN
faba-135	180	6	.	.	PUNCT
faba-135	181	1	review	review	NOUN
faba-135	181	2	of	of	ADP
faba-135	181	3	the	the	DET
faba-135	181	4	financial	financial	ADJ
faba-135	181	5	system	system	NOUN
faba-135	181	6	.	.	PUNCT
faba-135	182	1	peshev	peshev	VERB
faba-135	182	2	,	,	PUNCT
faba-135	182	3	p.	p.	PROPN
faba-135	182	4	(	(	PUNCT
faba-135	182	5	2014	2014	NUM
faba-135	182	6	)	)	PUNCT
faba-135	182	7	factors	factor	NOUN
faba-135	182	8	of	of	ADP
faba-135	182	9	credit	credit	NOUN
faba-135	182	10	dynamics	dynamic	NOUN
faba-135	182	11	outside	outside	ADP
faba-135	182	12	the	the	DET
faba-135	182	13	euro	euro	PROPN
faba-135	182	14	area	area	NOUN
faba-135	182	15	.	.	PUNCT
faba-135	183	1	[	[	X
faba-135	183	2	in	in	ADP
faba-135	183	3	bulgarian	bulgarian	NOUN
faba-135	183	4	]	]	PUNCT
faba-135	183	5	.	.	PUNCT
faba-135	184	1	sariiski	sariiski	PROPN
faba-135	184	2	,	,	PUNCT
faba-135	184	3	g.	g.	PROPN
faba-135	184	4	(	(	PUNCT
faba-135	184	5	2011	2011	NUM
faba-135	184	6	)	)	PUNCT
faba-135	184	7	,	,	PUNCT
faba-135	184	8	the	the	DET
faba-135	184	9	global	global	ADJ
faba-135	184	10	crisis	crisis	NOUN
faba-135	184	11	origin	origin	NOUN
faba-135	184	12	and	and	CCONJ
faba-135	184	13	impact	impact	NOUN
faba-135	184	14	on	on	ADP
faba-135	184	15	the	the	DET
faba-135	184	16	bulgarian	bulgarian	ADJ
faba-135	184	17	banking	banking	NOUN
faba-135	184	18	system	system	NOUN
faba-135	184	19	,	,	PUNCT
faba-135	184	20	economic	economic	ADJ
faba-135	184	21	policy	policy	NOUN
faba-135	184	22	institute	institute	NOUN
faba-135	184	23	.	.	PUNCT
faba-135	185	1	[	[	X
faba-135	185	2	in	in	ADP
faba-135	185	3	bulgarian	bulgarian	NOUN
faba-135	185	4	]	]	PUNCT
faba-135	185	5	.	.	PUNCT
faba-135	186	1	shumpeter	shumpeter	PROPN
faba-135	186	2	,	,	PUNCT
faba-135	186	3	j.	j.	PROPN
faba-135	186	4	(	(	PUNCT
faba-135	186	5	1912	1912	NUM
faba-135	186	6	)	)	PUNCT
faba-135	186	7	,	,	PUNCT
faba-135	186	8	the	the	DET
faba-135	186	9	theory	theory	NOUN
faba-135	186	10	of	of	ADP
faba-135	186	11	economic	economic	ADJ
faba-135	186	12	development	development	NOUN
faba-135	186	13	.	.	PUNCT
faba-135	187	1	cambridge	cambridge	PROPN
faba-135	187	2	,	,	PUNCT
faba-135	187	3	ma	ma	PROPN
faba-135	187	4	:	:	PUNCT
faba-135	187	5	harvard	harvard	PROPN
faba-135	187	6	university	university	PROPN
faba-135	187	7	press	press	NOUN
faba-135	187	8	.	.	PUNCT
faba-135	188	1	tsanevska	tsanevska	NOUN
faba-135	188	2	,	,	PUNCT
faba-135	188	3	v.	v.	PROPN
faba-135	188	4	(	(	PUNCT
faba-135	188	5	2017	2017	NUM
faba-135	188	6	)	)	PUNCT
faba-135	188	7	credit	credit	NOUN
faba-135	188	8	dynamics	dynamic	NOUN
faba-135	188	9	and	and	CCONJ
faba-135	188	10	evolution	evolution	NOUN
faba-135	188	11	of	of	ADP
faba-135	188	12	credit	credit	NOUN
faba-135	188	13	risk	risk	NOUN
faba-135	188	14	analysis	analysis	NOUN
faba-135	188	15	in	in	ADP
faba-135	188	16	the	the	DET
faba-135	188	17	bulgarian	bulgarian	ADJ
faba-135	188	18	banking	banking	NOUN
faba-135	188	19	system	system	NOUN
faba-135	188	20	for	for	ADP
faba-135	188	21	the	the	DET
faba-135	188	22	period	period	NOUN
faba-135	188	23	2011	2011	NUM
faba-135	188	24	-	-	SYM
faba-135	188	25	2015	2015	NUM
faba-135	188	26	,	,	PUNCT
faba-135	188	27	journal	journal	NOUN
faba-135	188	28	of	of	ADP
faba-135	188	29	socio	socio	NOUN
faba-135	188	30	-	-	PUNCT
faba-135	188	31	economic	economic	ADJ
faba-135	188	32	analyses	analysis	NOUN
faba-135	188	33	,	,	PUNCT
faba-135	188	34	veliko	veliko	NOUN
faba-135	188	35	tarnovo	tarnovo	PROPN
faba-135	188	36	university	university	PROPN
faba-135	188	37	"	"	PUNCT
faba-135	188	38	st	st	PROPN
faba-135	188	39	.	.	PROPN
faba-135	188	40	st	st	PROPN
faba-135	188	41	.	.	PROPN
faba-135	188	42	a	a	DET
faba-135	188	43	new	new	ADJ
faba-135	188	44	study	study	NOUN
faba-135	188	45	.	.	PUNCT
faba-135	189	1	[	[	X
faba-135	189	2	in	in	ADP
faba-135	189	3	bulgarian	bulgarian	NOUN
faba-135	189	4	]	]	PUNCT
faba-135	189	5	.	.	PUNCT
faba-135	190	1	vachkov	vachkov	PROPN
faba-135	190	2	,	,	PUNCT
faba-135	190	3	st	st	PROPN
faba-135	190	4	.	.	PROPN
faba-135	190	5	,	,	PUNCT
faba-135	190	6	georgiev	georgiev	PROPN
faba-135	190	7	,	,	PUNCT
faba-135	190	8	l.	l.	PROPN
faba-135	190	9	,	,	PUNCT
faba-135	190	10	valkanov	valkanov	PROPN
faba-135	190	11	,	,	PUNCT
faba-135	190	12	n.	n.	NOUN
faba-135	190	13	,	,	PUNCT
faba-135	190	14	yambolov	yambolov	ADJ
faba-135	190	15	,	,	PUNCT
faba-135	190	16	a.	a.	NOUN
faba-135	190	17	(	(	PUNCT
faba-135	190	18	2017	2017	NUM
faba-135	190	19	)	)	PUNCT
faba-135	190	20	competitiveness	competitiveness	NOUN
faba-135	190	21	and	and	CCONJ
faba-135	190	22	stability	stability	NOUN
faba-135	190	23	of	of	ADP
faba-135	190	24	the	the	DET
faba-135	190	25	finance	finance	NOUN
faba-135	190	26	,	,	PUNCT
faba-135	190	27	accounting	accounting	NOUN
faba-135	190	28	and	and	CCONJ
faba-135	190	29	business	business	NOUN
faba-135	190	30	analysis	analysis	NOUN
faba-135	190	31	4	4	NUM
faba-135	190	32	(	(	PUNCT
faba-135	190	33	2	2	NUM
faba-135	190	34	)	)	PUNCT
faba-135	190	35	2022	2022	NUM
faba-135	190	36	98	98	NUM
faba-135	190	37	banking	banking	NOUN
faba-135	190	38	system	system	NOUN
faba-135	190	39	in	in	ADP
faba-135	190	40	bulgaria	bulgaria	PROPN
faba-135	190	41	,	,	PUNCT
faba-135	190	42	science	science	NOUN
faba-135	190	43	and	and	CCONJ
faba-135	190	44	economics	economic	NOUN
faba-135	190	45	publishing	publishing	PROPN
faba-135	190	46	house	house	PROPN
faba-135	190	47	,	,	PUNCT
faba-135	190	48	university	university	NOUN
faba-135	190	49	of	of	ADP
faba-135	190	50	economicsvarna	economicsvarna	NOUN
faba-135	190	51	.	.	PUNCT
faba-135	191	1	[	[	X
faba-135	191	2	in	in	ADP
faba-135	191	3	bulgarian	bulgarian	PROPN
faba-135	191	4	]	]	PUNCT
faba-135	191	5	vasileva	vasileva	PROPN
faba-135	191	6	,	,	PUNCT
faba-135	191	7	v.	v.	ADV
faba-135	191	8	,	,	PUNCT
faba-135	191	9	(	(	PUNCT
faba-135	191	10	2017	2017	NUM
faba-135	191	11	)	)	PUNCT
faba-135	191	12	bank	bank	NOUN
faba-135	191	13	credit	credit	NOUN
faba-135	191	14	quality	quality	NOUN
faba-135	191	15	in	in	ADP
faba-135	191	16	bulgaria	bulgaria	PROPN
faba-135	191	17	:	:	PUNCT
faba-135	191	18	status	status	NOUN
faba-135	191	19	and	and	CCONJ
faba-135	191	20	dynamics	dynamic	NOUN
faba-135	191	21	,	,	PUNCT
faba-135	191	22	business	business	NOUN
faba-135	191	23	directions	direction	NOUN
faba-135	191	24	,	,	PUNCT
faba-135	191	25	issue	issue	NOUN
faba-135	191	26	1	1	NUM
faba-135	191	27	.	.	PUNCT
faba-135	192	1	[	[	X
faba-135	192	2	in	in	ADP
faba-135	192	3	bulgarian	bulgarian	PROPN
faba-135	192	4	]	]	X
faba-135	192	5	yildirim	yildirim	PROPN
faba-135	192	6	,	,	PUNCT
faba-135	192	7	s	s	PROPN
faba-135	192	8	,	,	PUNCT
faba-135	192	9	ozdemir	ozdemir	NOUN
faba-135	192	10	,	,	PUNCT
faba-135	192	11	bk	bk	PROPN
faba-135	192	12	,	,	PUNCT
faba-135	192	13	dogan	dogan	PROPN
faba-135	192	14	,	,	PUNCT
faba-135	192	15	b	b	PROPN
faba-135	192	16	(	(	PUNCT
faba-135	192	17	2013	2013	NUM
faba-135	192	18	)	)	PUNCT
faba-135	192	19	financial	financial	ADJ
faba-135	192	20	development	development	NOUN
faba-135	192	21	and	and	CCONJ
faba-135	192	22	economic	economic	ADJ
faba-135	192	23	growth	growth	NOUN
faba-135	192	24	nexus	nexus	NOUN
faba-135	192	25	in	in	ADP
faba-135	192	26	emerging	emerge	VERB
faba-135	192	27	european	european	ADJ
faba-135	192	28	economies	economy	NOUN
faba-135	192	29	:	:	PUNCT
faba-135	192	30	new	new	ADJ
faba-135	192	31	evidence	evidence	NOUN
faba-135	192	32	from	from	ADP
faba-135	192	33	asymmetric	asymmetric	ADJ
faba-135	192	34	causality	causality	NOUN
faba-135	192	35	.	.	PUNCT
faba-135	193	1	international	international	ADJ
faba-135	193	2	journal	journal	PROPN
faba-135	193	3	of	of	ADP
faba-135	193	4	economics	economic	NOUN
faba-135	193	5	and	and	CCONJ
faba-135	193	6	financial	financial	ADJ
faba-135	193	7	issues	issue	NOUN
faba-135	193	8	3(3	3(3	NUM
faba-135	193	9	):	):	PUNCT
faba-135	193	10	710	710	NUM
faba-135	193	11	-	-	SYM
faba-135	193	12	722	722	NUM
faba-135	193	13	.	.	PUNCT
faba-135	194	1	zang	zang	PROPN
faba-135	194	2	,	,	PUNCT
faba-135	194	3	h.	h.	PROPN
faba-135	194	4	,	,	PUNCT
faba-135	194	5	kim	kim	PROPN
faba-135	194	6	,	,	PUNCT
faba-135	194	7	y.	y.	PROPN
faba-135	194	8	c.	c.	PROPN
faba-135	194	9	(	(	PUNCT
faba-135	194	10	2007	2007	NUM
faba-135	194	11	)	)	PUNCT
faba-135	194	12	.	.	PUNCT
faba-135	195	1	does	do	VERB
faba-135	195	2	financial	financial	ADJ
faba-135	195	3	development	development	NOUN
faba-135	195	4	precede	precede	VERB
faba-135	195	5	growth	growth	NOUN
faba-135	195	6	?	?	PUNCT
faba-135	196	1	robinson	robinson	PROPN
faba-135	196	2	and	and	CCONJ
faba-135	196	3	lucas	lucas	PROPN
faba-135	196	4	might	might	AUX
faba-135	196	5	be	be	AUX
faba-135	196	6	right	right	ADJ
faba-135	196	7	.	.	PUNCT
faba-135	197	1	applied	apply	VERB
faba-135	197	2	economics	economic	NOUN
faba-135	197	3	letters	letter	NOUN
faba-135	197	4	,	,	PUNCT
faba-135	197	5	14(1	14(1	NUM
faba-135	197	6	)	)	PUNCT
faba-135	197	7	,	,	PUNCT
faba-135	197	8	15	15	NUM
faba-135	197	9	-	-	SYM
faba-135	197	10	19	19	NUM