id	sid	tid	token	lemma	pos
framr-1727	1	1	34	34	NUM
framr-1727	1	2	©	©	PROPN
framr-1727	1	3	2018	2018	NUM
framr-1727	1	4	conscientia	conscientia	PROPN
framr-1727	1	5	beam	beam	PROPN
framr-1727	1	6	.	.	PUNCT
framr-1727	2	1	all	all	DET
framr-1727	2	2	rights	right	NOUN
framr-1727	2	3	reserved	reserve	VERB
framr-1727	2	4	.	.	PUNCT
framr-1727	3	1	depositors	depositor	NOUN
framr-1727	3	2	’	’	PART
framr-1727	3	3	confidence	confidence	NOUN
framr-1727	3	4	and	and	CCONJ
framr-1727	3	5	mergers	merger	NOUN
framr-1727	3	6	and	and	CCONJ
framr-1727	3	7	acquisitions	acquisition	NOUN
framr-1727	3	8	:	:	PUNCT
framr-1727	3	9	the	the	DET
framr-1727	3	10	nigerian	nigerian	ADJ
framr-1727	3	11	banking	banking	NOUN
framr-1727	3	12	sector	sector	NOUN
framr-1727	3	13	experience	experience	NOUN
framr-1727	3	14	anthony	anthony	PROPN
framr-1727	3	15	nzeribe	nzeribe	PROPN
framr-1727	3	16	nwaubani1	nwaubani1	PROPN
framr-1727	3	17	+	+	PROPN
framr-1727	3	18	vincent	vincent	ADJ
framr-1727	3	19	n.	n.	NOUN
framr-1727	3	20	ezeabasili2	ezeabasili2	PROPN
framr-1727	4	1	1department	1department	NUM
framr-1727	4	2	of	of	ADP
framr-1727	4	3	banking	banking	NOUN
framr-1727	4	4	&	&	CCONJ
framr-1727	4	5	finance	finance	PROPN
framr-1727	4	6	,	,	PUNCT
framr-1727	4	7	michael	michael	PROPN
framr-1727	4	8	okpara	okpara	PROPN
framr-1727	4	9	university	university	PROPN
framr-1727	4	10	of	of	ADP
framr-1727	4	11	agriculture	agriculture	PROPN
framr-1727	4	12	,	,	PUNCT
framr-1727	4	13	umudike	umudike	PROPN
framr-1727	4	14	nigeria	nigeria	PROPN
framr-1727	4	15	and	and	CCONJ
framr-1727	4	16	department	department	PROPN
framr-1727	4	17	of	of	ADP
framr-1727	4	18	banking	banking	PROPN
framr-1727	4	19	&	&	CCONJ
framr-1727	4	20	finance	finance	PROPN
framr-1727	4	21	,	,	PUNCT
framr-1727	4	22	nnamdi	nnamdi	PROPN
framr-1727	4	23	azikiwe	azikiwe	PROPN
framr-1727	4	24	university	university	PROPN
framr-1727	4	25	,	,	PUNCT
framr-1727	4	26	awka	awka	NOUN
framr-1727	4	27	nigeria	nigeria	PRON
framr-1727	4	28	.	.	PUNCT
framr-1727	5	1	2department	2department	NUM
framr-1727	5	2	of	of	ADP
framr-1727	5	3	banking	banking	NOUN
framr-1727	5	4	and	and	CCONJ
framr-1727	5	5	finance	finance	NOUN
framr-1727	5	6	,	,	PUNCT
framr-1727	5	7	chukwuemeka	chukwuemeka	PROPN
framr-1727	5	8	odumegwuojukwu	odumegwuojukwu	PROPN
framr-1727	5	9	university	university	PROPN
framr-1727	5	10	,	,	PUNCT
framr-1727	5	11	igbariam	igbariam	PROPN
framr-1727	5	12	nigeria	nigeria	PROPN
framr-1727	5	13	(	(	PUNCT
framr-1727	5	14	+	+	CCONJ
framr-1727	5	15	corresponding	correspond	VERB
framr-1727	5	16	author	author	NOUN
framr-1727	5	17	)	)	PUNCT
framr-1727	5	18	abstract	abstract	ADJ
framr-1727	5	19	article	article	NOUN
framr-1727	5	20	history	history	NOUN
framr-1727	5	21	received	receive	VERB
framr-1727	5	22	:	:	PUNCT
framr-1727	5	23	15	15	NUM
framr-1727	5	24	october	october	NOUN
framr-1727	5	25	2018	2018	NUM
framr-1727	5	26	revised	revise	VERB
framr-1727	5	27	:	:	PUNCT
framr-1727	5	28	21	21	NUM
framr-1727	5	29	november	november	PROPN
framr-1727	5	30	2018	2018	NUM
framr-1727	5	31	accepted	accept	VERB
framr-1727	5	32	:	:	PUNCT
framr-1727	5	33	24	24	NUM
framr-1727	5	34	december	december	PROPN
framr-1727	5	35	2018	2018	NUM
framr-1727	5	36	published	publish	VERB
framr-1727	5	37	:	:	PUNCT
framr-1727	5	38	7	7	NUM
framr-1727	5	39	january	january	NOUN
framr-1727	5	40	2019	2019	NUM
framr-1727	5	41	keywords	keyword	VERB
framr-1727	5	42	mergers	merger	NOUN
framr-1727	5	43	and	and	CCONJ
framr-1727	5	44	acquisitions	acquisition	NOUN
framr-1727	5	45	depositors	depositor	NOUN
framr-1727	5	46	’	’	PART
framr-1727	5	47	confidence	confidence	NOUN
framr-1727	5	48	nigerian	nigerian	ADJ
framr-1727	5	49	banking	banking	NOUN
framr-1727	5	50	sector	sector	NOUN
framr-1727	5	51	deposit	deposit	NOUN
framr-1727	5	52	liabilities	liability	NOUN
framr-1727	5	53	shareholders	shareholder	NOUN
framr-1727	5	54	’	'	PUNCT
framr-1727	5	55	funds	fund	NOUN
framr-1727	5	56	and	and	CCONJ
framr-1727	5	57	bank	bank	NOUN
framr-1727	5	58	distress	distress	NOUN
framr-1727	5	59	.	.	PUNCT
framr-1727	6	1	jel	jel	PROPN
framr-1727	6	2	classification	classification	NOUN
framr-1727	6	3	:	:	PUNCT
framr-1727	6	4	g28	g28	NOUN
framr-1727	6	5	.	.	PUNCT
framr-1727	7	1	nigeria	nigeria	PROPN
framr-1727	7	2	implemented	implement	VERB
framr-1727	7	3	major	major	ADJ
framr-1727	7	4	financial	financial	ADJ
framr-1727	7	5	reforms	reform	NOUN
framr-1727	7	6	between	between	ADP
framr-1727	7	7	2004	2004	NUM
framr-1727	7	8	and	and	CCONJ
framr-1727	7	9	2005	2005	NUM
framr-1727	7	10	in	in	ADP
framr-1727	7	11	which	which	PRON
framr-1727	7	12	mergers	merger	NOUN
framr-1727	7	13	and	and	CCONJ
framr-1727	7	14	acquisitions	acquisition	NOUN
framr-1727	7	15	became	become	VERB
framr-1727	7	16	an	an	DET
framr-1727	7	17	imperative	imperative	ADJ
framr-1727	7	18	option	option	NOUN
framr-1727	7	19	for	for	SCONJ
framr-1727	7	20	most	most	ADJ
framr-1727	7	21	of	of	ADP
framr-1727	7	22	the	the	DET
framr-1727	7	23	deposit	deposit	NOUN
framr-1727	7	24	money	money	NOUN
framr-1727	7	25	banks	bank	NOUN
framr-1727	7	26	to	to	PART
framr-1727	7	27	meet	meet	VERB
framr-1727	7	28	the	the	DET
framr-1727	7	29	new	new	ADJ
framr-1727	7	30	and	and	CCONJ
framr-1727	7	31	hiked	hike	VERB
framr-1727	7	32	minimum	minimum	ADJ
framr-1727	7	33	capital	capital	NOUN
framr-1727	7	34	base	base	NOUN
framr-1727	7	35	requirement	requirement	NOUN
framr-1727	7	36	.	.	PUNCT
framr-1727	8	1	this	this	DET
framr-1727	8	2	study	study	NOUN
framr-1727	8	3	examined	examine	VERB
framr-1727	8	4	the	the	DET
framr-1727	8	5	impact	impact	NOUN
framr-1727	8	6	of	of	ADP
framr-1727	8	7	mergers	merger	NOUN
framr-1727	8	8	and	and	CCONJ
framr-1727	8	9	acquisitions	acquisition	NOUN
framr-1727	8	10	(	(	PUNCT
framr-1727	8	11	m&as	m&as	NOUN
framr-1727	8	12	)	)	PUNCT
framr-1727	8	13	on	on	ADP
framr-1727	8	14	depositors	depositor	NOUN
framr-1727	8	15	’	’	PART
framr-1727	8	16	confidence	confidence	NOUN
framr-1727	8	17	in	in	ADP
framr-1727	8	18	the	the	DET
framr-1727	8	19	nigerian	nigerian	ADJ
framr-1727	8	20	banking	banking	NOUN
framr-1727	8	21	sector	sector	NOUN
framr-1727	8	22	.	.	PUNCT
framr-1727	9	1	an	an	DET
framr-1727	9	2	ex	ex	NOUN
framr-1727	9	3	-	-	ADJ
framr-1727	9	4	post	post	ADJ
framr-1727	9	5	facto	facto	X
framr-1727	9	6	research	research	NOUN
framr-1727	9	7	design	design	NOUN
framr-1727	9	8	was	be	AUX
framr-1727	9	9	used	use	VERB
framr-1727	9	10	with	with	ADP
framr-1727	9	11	secondary	secondary	ADJ
framr-1727	9	12	data	datum	NOUN
framr-1727	9	13	collected	collect	VERB
framr-1727	9	14	for	for	ADP
framr-1727	9	15	twenty	twenty	NUM
framr-1727	9	16	years	year	NOUN
framr-1727	9	17	.	.	PUNCT
framr-1727	10	1	the	the	DET
framr-1727	10	2	study	study	NOUN
framr-1727	10	3	covered	cover	VERB
framr-1727	10	4	all	all	DET
framr-1727	10	5	the	the	DET
framr-1727	10	6	deposit	deposit	NOUN
framr-1727	10	7	money	money	NOUN
framr-1727	10	8	banks	bank	NOUN
framr-1727	10	9	in	in	ADP
framr-1727	10	10	nigeria	nigeria	PROPN
framr-1727	10	11	within	within	ADP
framr-1727	10	12	the	the	DET
framr-1727	10	13	period	period	NOUN
framr-1727	10	14	1995	1995	NUM
framr-1727	10	15	-	-	SYM
framr-1727	10	16	2015	2015	NUM
framr-1727	10	17	with	with	ADP
framr-1727	10	18	2005	2005	NUM
framr-1727	10	19	as	as	ADP
framr-1727	10	20	a	a	DET
framr-1727	10	21	base	base	NOUN
framr-1727	10	22	year	year	NOUN
framr-1727	10	23	separating	separate	VERB
framr-1727	10	24	pre	pre	NOUN
framr-1727	10	25	and	and	CCONJ
framr-1727	10	26	post	post	VERB
framr-1727	10	27	merger	merger	NOUN
framr-1727	10	28	periods	period	NOUN
framr-1727	10	29	.	.	PUNCT
framr-1727	11	1	multiple	multiple	ADJ
framr-1727	11	2	regression	regression	NOUN
framr-1727	11	3	and	and	CCONJ
framr-1727	11	4	paired	pair	VERB
framr-1727	11	5	student	student	NOUN
framr-1727	11	6	t	t	PROPN
framr-1727	11	7	-	-	PUNCT
framr-1727	11	8	test	test	NOUN
framr-1727	11	9	approaches	approach	NOUN
framr-1727	11	10	were	be	AUX
framr-1727	11	11	employed	employ	VERB
framr-1727	11	12	to	to	PART
framr-1727	11	13	analyze	analyze	VERB
framr-1727	11	14	the	the	DET
framr-1727	11	15	data	datum	NOUN
framr-1727	11	16	with	with	ADP
framr-1727	11	17	the	the	DET
framr-1727	11	18	aid	aid	NOUN
framr-1727	11	19	of	of	ADP
framr-1727	11	20	spss	spss	PROPN
framr-1727	11	21	(	(	PUNCT
framr-1727	11	22	20	20	NUM
framr-1727	11	23	)	)	PUNCT
framr-1727	11	24	software	software	NOUN
framr-1727	11	25	.	.	PUNCT
framr-1727	12	1	the	the	DET
framr-1727	12	2	output	output	NOUN
framr-1727	12	3	yielded	yield	VERB
framr-1727	12	4	mixed	mixed	ADJ
framr-1727	12	5	findings	finding	NOUN
framr-1727	12	6	.	.	PUNCT
framr-1727	13	1	while	while	SCONJ
framr-1727	13	2	m&as	m&as	NOUN
framr-1727	13	3	as	as	SCONJ
framr-1727	13	4	proxied	proxie	VERB
framr-1727	13	5	by	by	ADP
framr-1727	13	6	dummy	dummy	ADJ
framr-1727	13	7	merger	merger	NOUN
framr-1727	13	8	showed	show	VERB
framr-1727	13	9	mostly	mostly	ADV
framr-1727	13	10	positive	positive	ADJ
framr-1727	13	11	and	and	CCONJ
framr-1727	13	12	insignificant	insignificant	ADJ
framr-1727	13	13	impact	impact	NOUN
framr-1727	13	14	on	on	ADP
framr-1727	13	15	confidence	confidence	NOUN
framr-1727	13	16	of	of	ADP
framr-1727	13	17	depositors	depositor	NOUN
framr-1727	13	18	,	,	PUNCT
framr-1727	13	19	they	they	PRON
framr-1727	13	20	indicated	indicate	VERB
framr-1727	13	21	positive	positive	ADJ
framr-1727	13	22	significant	significant	ADJ
framr-1727	13	23	impact	impact	NOUN
framr-1727	13	24	when	when	SCONJ
framr-1727	13	25	measured	measure	VERB
framr-1727	13	26	by	by	ADP
framr-1727	13	27	shareholders	shareholder	NOUN
framr-1727	13	28	’	'	PUNCT
framr-1727	13	29	funds	fund	NOUN
framr-1727	13	30	an	an	DET
framr-1727	13	31	alternate	alternate	ADJ
framr-1727	13	32	proxy	proxy	NOUN
framr-1727	13	33	.	.	PUNCT
framr-1727	14	1	the	the	DET
framr-1727	14	2	paired	pair	VERB
framr-1727	14	3	student	student	NOUN
framr-1727	14	4	t	t	PROPN
framr-1727	14	5	-	-	PUNCT
framr-1727	14	6	test	test	NOUN
framr-1727	14	7	yielded	yield	VERB
framr-1727	14	8	significant	significant	ADJ
framr-1727	14	9	positive	positive	ADJ
framr-1727	14	10	impact	impact	NOUN
framr-1727	14	11	on	on	ADP
framr-1727	14	12	depositors	depositor	NOUN
framr-1727	14	13	’	’	PART
framr-1727	14	14	confidence	confidence	NOUN
framr-1727	14	15	.	.	PUNCT
framr-1727	15	1	overall	overall	ADV
framr-1727	15	2	,	,	PUNCT
framr-1727	15	3	the	the	DET
framr-1727	15	4	findings	finding	NOUN
framr-1727	15	5	suggest	suggest	VERB
framr-1727	15	6	that	that	SCONJ
framr-1727	15	7	the	the	DET
framr-1727	15	8	mergers	merger	NOUN
framr-1727	15	9	and	and	CCONJ
framr-1727	15	10	acquisitions	acquisition	NOUN
framr-1727	15	11	have	have	AUX
framr-1727	15	12	positively	positively	ADV
framr-1727	15	13	and	and	CCONJ
framr-1727	15	14	significantly	significantly	ADV
framr-1727	15	15	impacted	impact	VERB
framr-1727	15	16	on	on	ADP
framr-1727	15	17	depositors	depositor	NOUN
framr-1727	15	18	’	’	PART
framr-1727	15	19	confidence	confidence	NOUN
framr-1727	15	20	in	in	ADP
framr-1727	15	21	the	the	DET
framr-1727	15	22	nigerian	nigerian	ADJ
framr-1727	15	23	banking	banking	NOUN
framr-1727	15	24	sector	sector	NOUN
framr-1727	15	25	.	.	PUNCT
framr-1727	16	1	it	it	PRON
framr-1727	16	2	is	be	AUX
framr-1727	16	3	recommended	recommend	VERB
framr-1727	16	4	inter	inter	ADJ
framr-1727	16	5	-	-	ADJ
framr-1727	16	6	alia	alia	ADJ
framr-1727	16	7	that	that	SCONJ
framr-1727	16	8	banks	bank	NOUN
framr-1727	16	9	should	should	AUX
framr-1727	16	10	endeavor	endeavor	VERB
framr-1727	16	11	to	to	PART
framr-1727	16	12	further	far	ADV
framr-1727	16	13	enhance	enhance	VERB
framr-1727	16	14	their	their	PRON
framr-1727	16	15	shareholders	shareholder	NOUN
framr-1727	16	16	’	'	PUNCT
framr-1727	16	17	funds	fund	NOUN
framr-1727	16	18	while	while	SCONJ
framr-1727	16	19	partnering	partner	VERB
framr-1727	16	20	actively	actively	ADV
framr-1727	16	21	with	with	ADP
framr-1727	16	22	monetary	monetary	ADJ
framr-1727	16	23	authorities	authority	NOUN
framr-1727	16	24	in	in	ADP
framr-1727	16	25	pursuit	pursuit	NOUN
framr-1727	16	26	of	of	ADP
framr-1727	16	27	aggressive	aggressive	ADJ
framr-1727	16	28	financial	financial	ADJ
framr-1727	16	29	inclusion	inclusion	NOUN
framr-1727	16	30	via	via	ADP
framr-1727	16	31	innovative	innovative	ADJ
framr-1727	16	32	product	product	NOUN
framr-1727	16	33	offerings	offering	NOUN
framr-1727	16	34	for	for	ADP
framr-1727	16	35	cheap	cheap	ADJ
framr-1727	16	36	deposits	deposit	NOUN
framr-1727	16	37	and	and	CCONJ
framr-1727	16	38	financial	financial	ADJ
framr-1727	16	39	stability	stability	NOUN
framr-1727	16	40	.	.	PUNCT
framr-1727	17	1	this	this	PRON
framr-1727	17	2	will	will	AUX
framr-1727	17	3	further	far	ADV
framr-1727	17	4	enhance	enhance	VERB
framr-1727	17	5	the	the	DET
framr-1727	17	6	depositors	depositor	NOUN
framr-1727	17	7	’	’	PART
framr-1727	17	8	confidence	confidence	NOUN
framr-1727	17	9	in	in	ADP
framr-1727	17	10	the	the	DET
framr-1727	17	11	banking	banking	NOUN
framr-1727	17	12	system	system	NOUN
framr-1727	17	13	.	.	PUNCT
framr-1727	18	1	contribution	contribution	NOUN
framr-1727	18	2	/	/	SYM
framr-1727	18	3	originality	originality	NOUN
framr-1727	18	4	:	:	PUNCT
framr-1727	18	5	the	the	DET
framr-1727	18	6	work	work	NOUN
framr-1727	18	7	is	be	AUX
framr-1727	18	8	one	one	NUM
framr-1727	18	9	of	of	ADP
framr-1727	18	10	the	the	DET
framr-1727	18	11	very	very	ADV
framr-1727	18	12	few	few	ADJ
framr-1727	18	13	studies	study	NOUN
framr-1727	18	14	which	which	PRON
framr-1727	18	15	have	have	AUX
framr-1727	18	16	examined	examine	VERB
framr-1727	18	17	the	the	DET
framr-1727	18	18	impact	impact	NOUN
framr-1727	18	19	of	of	ADP
framr-1727	18	20	mergers	merger	NOUN
framr-1727	18	21	and	and	CCONJ
framr-1727	18	22	acquisitions	acquisition	NOUN
framr-1727	18	23	on	on	ADP
framr-1727	18	24	depositors	depositor	NOUN
framr-1727	18	25	’	’	PART
framr-1727	18	26	confidence	confidence	NOUN
framr-1727	18	27	in	in	ADP
framr-1727	18	28	nigeria	nigeria	PROPN
framr-1727	18	29	banking	banking	NOUN
framr-1727	18	30	sector	sector	NOUN
framr-1727	18	31	and	and	CCONJ
framr-1727	18	32	also	also	ADV
framr-1727	18	33	of	of	ADP
framr-1727	18	34	those	those	PRON
framr-1727	18	35	whose	whose	DET
framr-1727	18	36	findings	finding	NOUN
framr-1727	18	37	suggest	suggest	VERB
framr-1727	18	38	that	that	SCONJ
framr-1727	18	39	mergers	merger	NOUN
framr-1727	18	40	and	and	CCONJ
framr-1727	18	41	acquisitions	acquisition	NOUN
framr-1727	18	42	have	have	VERB
framr-1727	18	43	positive	positive	ADJ
framr-1727	18	44	significant	significant	ADJ
framr-1727	18	45	impact	impact	NOUN
framr-1727	18	46	on	on	ADP
framr-1727	18	47	confidence	confidence	NOUN
framr-1727	18	48	of	of	ADP
framr-1727	18	49	depositors	depositor	NOUN
framr-1727	18	50	in	in	ADP
framr-1727	18	51	the	the	DET
framr-1727	18	52	nigerian	nigerian	ADJ
framr-1727	18	53	banking	banking	NOUN
framr-1727	18	54	system	system	NOUN
framr-1727	18	55	.	.	PUNCT
framr-1727	19	1	1	1	X
framr-1727	19	2	.	.	X
framr-1727	19	3	introduction	introduction	NOUN
framr-1727	19	4	the	the	DET
framr-1727	19	5	banking	banking	NOUN
framr-1727	19	6	sector	sector	NOUN
framr-1727	19	7	is	be	AUX
framr-1727	19	8	considered	consider	VERB
framr-1727	19	9	as	as	ADP
framr-1727	19	10	one	one	NUM
framr-1727	19	11	of	of	ADP
framr-1727	19	12	the	the	DET
framr-1727	19	13	leading	lead	VERB
framr-1727	19	14	contributors	contributor	NOUN
framr-1727	19	15	to	to	ADP
framr-1727	19	16	the	the	DET
framr-1727	19	17	growth	growth	NOUN
framr-1727	19	18	of	of	ADP
framr-1727	19	19	global	global	ADJ
framr-1727	19	20	economy	economy	NOUN
framr-1727	19	21	(	(	PUNCT
framr-1727	19	22	narwal	narwal	NOUN
framr-1727	19	23	and	and	CCONJ
framr-1727	19	24	pathneja	pathneja	ADJ
framr-1727	19	25	,	,	PUNCT
framr-1727	19	26	2015	2015	NUM
framr-1727	19	27	)	)	PUNCT
framr-1727	19	28	.	.	PUNCT
framr-1727	20	1	according	accord	VERB
framr-1727	20	2	to	to	ADP
framr-1727	20	3	nwaubani	nwaubani	NOUN
framr-1727	20	4	and	and	CCONJ
framr-1727	20	5	ezeudu	ezeudu	NOUN
framr-1727	20	6	(	(	PUNCT
framr-1727	20	7	2015	2015	NUM
framr-1727	20	8	)	)	PUNCT
framr-1727	20	9	the	the	DET
framr-1727	20	10	sector	sector	NOUN
framr-1727	20	11	is	be	AUX
framr-1727	20	12	the	the	DET
framr-1727	20	13	engine	engine	NOUN
framr-1727	20	14	of	of	ADP
framr-1727	20	15	growth	growth	NOUN
framr-1727	20	16	in	in	ADP
framr-1727	20	17	any	any	DET
framr-1727	20	18	economy	economy	NOUN
framr-1727	20	19	.	.	PUNCT
framr-1727	21	1	in	in	ADP
framr-1727	21	2	the	the	DET
framr-1727	21	3	opinions	opinion	NOUN
framr-1727	21	4	of	of	ADP
framr-1727	21	5	adegboyega	adegboyega	NOUN
framr-1727	21	6	(	(	PUNCT
framr-1727	21	7	2012	2012	NUM
framr-1727	21	8	)	)	PUNCT
framr-1727	21	9	and	and	CCONJ
framr-1727	21	10	owolabi	owolabi	NOUN
framr-1727	21	11	and	and	CCONJ
framr-1727	21	12	ajayi	ajayi	NOUN
framr-1727	21	13	(	(	PUNCT
framr-1727	21	14	2013	2013	NUM
framr-1727	21	15	)	)	PUNCT
framr-1727	21	16	banks	bank	NOUN
framr-1727	21	17	are	be	AUX
framr-1727	21	18	the	the	DET
framr-1727	21	19	cornerstone	cornerstone	NOUN
framr-1727	21	20	of	of	ADP
framr-1727	21	21	the	the	DET
framr-1727	21	22	economy	economy	NOUN
framr-1727	21	23	of	of	ADP
framr-1727	21	24	a	a	DET
framr-1727	21	25	country	country	NOUN
framr-1727	21	26	as	as	SCONJ
framr-1727	21	27	they	they	PRON
framr-1727	21	28	play	play	VERB
framr-1727	21	29	a	a	DET
framr-1727	21	30	crucial	crucial	ADJ
framr-1727	21	31	role	role	NOUN
framr-1727	21	32	in	in	ADP
framr-1727	21	33	propelling	propel	VERB
framr-1727	21	34	the	the	DET
framr-1727	21	35	entire	entire	ADJ
framr-1727	21	36	economy	economy	NOUN
framr-1727	21	37	.	.	PUNCT
framr-1727	22	1	the	the	DET
framr-1727	22	2	sector	sector	NOUN
framr-1727	22	3	is	be	AUX
framr-1727	22	4	also	also	ADV
framr-1727	22	5	seen	see	VERB
framr-1727	22	6	from	from	ADP
framr-1727	22	7	its	its	PRON
framr-1727	22	8	essential	essential	ADJ
framr-1727	22	9	role	role	NOUN
framr-1727	22	10	of	of	ADP
framr-1727	22	11	intermediation	intermediation	NOUN
framr-1727	22	12	which	which	PRON
framr-1727	22	13	involves	involve	VERB
framr-1727	22	14	resource	resource	NOUN
framr-1727	22	15	mobilization	mobilization	NOUN
framr-1727	22	16	and	and	CCONJ
framr-1727	22	17	allocation	allocation	NOUN
framr-1727	22	18	in	in	ADP
framr-1727	22	19	an	an	DET
framr-1727	22	20	economy	economy	NOUN
framr-1727	22	21	and	and	CCONJ
framr-1727	22	22	,	,	PUNCT
framr-1727	22	23	its	its	PRON
framr-1727	22	24	position	position	NOUN
framr-1727	22	25	as	as	ADP
framr-1727	22	26	the	the	DET
framr-1727	22	27	most	most	ADV
framr-1727	22	28	important	important	ADJ
framr-1727	22	29	segment	segment	NOUN
framr-1727	22	30	of	of	ADP
framr-1727	22	31	the	the	DET
framr-1727	22	32	financial	financial	ADJ
framr-1727	22	33	system	system	NOUN
framr-1727	22	34	in	in	ADP
framr-1727	22	35	developing	develop	VERB
framr-1727	22	36	economies	economy	NOUN
framr-1727	22	37	,	,	PUNCT
framr-1727	22	38	accounting	account	VERB
framr-1727	22	39	for	for	ADP
framr-1727	22	40	the	the	DET
framr-1727	22	41	bulk	bulk	NOUN
framr-1727	22	42	of	of	ADP
framr-1727	22	43	the	the	DET
framr-1727	22	44	financial	financial	ADJ
framr-1727	22	45	transactions	transaction	NOUN
framr-1727	22	46	and	and	CCONJ
framr-1727	22	47	assets	asset	NOUN
framr-1727	22	48	(	(	PUNCT
framr-1727	22	49	moyo	moyo	NOUN
framr-1727	22	50	et	et	PROPN
framr-1727	22	51	al	al	PROPN
framr-1727	22	52	.	.	PROPN
framr-1727	22	53	,	,	PUNCT
framr-1727	22	54	2014);(ogunbiyi	2014);(ogunbiyi	NUM
framr-1727	22	55	and	and	CCONJ
framr-1727	22	56	ihejirika	ihejirika	ADJ
framr-1727	22	57	,	,	PUNCT
framr-1727	22	58	2014	2014	NUM
framr-1727	22	59	)	)	PUNCT
framr-1727	22	60	.	.	PUNCT
framr-1727	23	1	the	the	DET
framr-1727	23	2	industry	industry	NOUN
framr-1727	23	3	has	have	AUX
framr-1727	23	4	equally	equally	ADV
framr-1727	23	5	been	be	AUX
framr-1727	23	6	described	describe	VERB
framr-1727	23	7	financial	financial	ADJ
framr-1727	23	8	risk	risk	NOUN
framr-1727	23	9	and	and	CCONJ
framr-1727	23	10	management	management	NOUN
framr-1727	23	11	reviews	review	NOUN
framr-1727	23	12	2018	2018	NUM
framr-1727	23	13	vol	vol	NOUN
framr-1727	23	14	.	.	PROPN
framr-1727	24	1	4	4	NUM
framr-1727	24	2	,	,	PUNCT
framr-1727	24	3	no	no	INTJ
framr-1727	24	4	.	.	NOUN
framr-1727	24	5	1	1	NUM
framr-1727	24	6	,	,	PUNCT
framr-1727	24	7	pp	pp	ADJ
framr-1727	24	8	.	.	PUNCT
framr-1727	25	1	34	34	NUM
framr-1727	25	2	-	-	SYM
framr-1727	25	3	48	48	NUM
framr-1727	25	4	issn(e	issn(e	NOUN
framr-1727	25	5	):	):	PUNCT
framr-1727	25	6	2411	2411	NUM
framr-1727	25	7	-	-	SYM
framr-1727	25	8	6408	6408	NUM
framr-1727	25	9	issn(p	issn(p	NUM
framr-1727	25	10	):	):	PUNCT
framr-1727	25	11	2412	2412	NUM
framr-1727	25	12	-	-	SYM
framr-1727	25	13	3404	3404	NUM
framr-1727	25	14	doi	doi	NOUN
framr-1727	25	15	:	:	PUNCT
framr-1727	25	16	10.18488	10.18488	NUM
framr-1727	25	17	/	/	SYM
framr-1727	25	18	journal.89.2018.41.34.48	journal.89.2018.41.34.48	ADP
framr-1727	25	19	©	©	PROPN
framr-1727	25	20	2018	2018	NUM
framr-1727	25	21	conscientia	conscientia	PROPN
framr-1727	25	22	beam	beam	PROPN
framr-1727	25	23	.	.	PUNCT
framr-1727	26	1	all	all	DET
framr-1727	26	2	rights	right	NOUN
framr-1727	26	3	reserved	reserve	VERB
framr-1727	26	4	.	.	PUNCT
framr-1727	27	1	https://orcid.org/0000-0002-4767-6759	https://orcid.org/0000-0002-4767-6759	ADV
framr-1727	27	2	https://www.doi.org/10.18488/journal.89.2018.41.34.48	https://www.doi.org/10.18488/journal.89.2018.41.34.48	X
framr-1727	27	3	financial	financial	ADJ
framr-1727	27	4	risk	risk	NOUN
framr-1727	27	5	and	and	CCONJ
framr-1727	27	6	management	management	NOUN
framr-1727	27	7	reviews	review	NOUN
framr-1727	27	8	,	,	PUNCT
framr-1727	27	9	2018	2018	NUM
framr-1727	27	10	,	,	PUNCT
framr-1727	27	11	4(1	4(1	NOUN
framr-1727	27	12	):	):	PUNCT
framr-1727	27	13	34	34	NUM
framr-1727	27	14	-	-	SYM
framr-1727	27	15	48	48	NUM
framr-1727	27	16	35	35	NUM
framr-1727	27	17	©	©	PROPN
framr-1727	27	18	2018	2018	NUM
framr-1727	27	19	conscientia	conscientia	PROPN
framr-1727	27	20	beam	beam	PROPN
framr-1727	27	21	.	.	PUNCT
framr-1727	28	1	all	all	DET
framr-1727	28	2	rights	right	NOUN
framr-1727	28	3	reserved	reserve	VERB
framr-1727	28	4	.	.	PUNCT
framr-1727	29	1	as	as	ADP
framr-1727	29	2	critical	critical	ADJ
framr-1727	29	3	to	to	ADP
framr-1727	29	4	the	the	DET
framr-1727	29	5	success	success	NOUN
framr-1727	29	6	of	of	ADP
framr-1727	29	7	global	global	ADJ
framr-1727	29	8	economies	economy	NOUN
framr-1727	29	9	(	(	PUNCT
framr-1727	29	10	iacobelli	iacobelli	PROPN
framr-1727	29	11	,	,	PUNCT
framr-1727	29	12	2017	2017	NUM
framr-1727	29	13	)	)	PUNCT
framr-1727	29	14	.	.	PUNCT
framr-1727	30	1	thus	thus	ADV
framr-1727	30	2	,	,	PUNCT
framr-1727	30	3	it	it	PRON
framr-1727	30	4	is	be	AUX
framr-1727	30	5	imperative	imperative	ADJ
framr-1727	30	6	that	that	SCONJ
framr-1727	30	7	the	the	DET
framr-1727	30	8	banking	banking	NOUN
framr-1727	30	9	system	system	NOUN
framr-1727	30	10	should	should	AUX
framr-1727	30	11	be	be	AUX
framr-1727	30	12	healthy	healthy	ADJ
framr-1727	30	13	in	in	ADP
framr-1727	30	14	order	order	NOUN
framr-1727	30	15	to	to	PART
framr-1727	30	16	fulfill	fulfill	VERB
framr-1727	30	17	its	its	PRON
framr-1727	30	18	varied	varied	ADJ
framr-1727	30	19	roles	role	NOUN
framr-1727	30	20	.	.	PUNCT
framr-1727	31	1	nigeria	nigeria	PROPN
framr-1727	31	2	implemented	implement	VERB
framr-1727	31	3	major	major	ADJ
framr-1727	31	4	financial	financial	ADJ
framr-1727	31	5	reforms	reform	NOUN
framr-1727	31	6	between	between	ADP
framr-1727	31	7	2004	2004	NUM
framr-1727	31	8	and	and	CCONJ
framr-1727	31	9	2005	2005	NUM
framr-1727	31	10	.	.	PUNCT
framr-1727	32	1	the	the	DET
framr-1727	32	2	reforms	reform	NOUN
framr-1727	32	3	incorporated	incorporate	VERB
framr-1727	32	4	mergers	merger	NOUN
framr-1727	32	5	and	and	CCONJ
framr-1727	32	6	acquisitions	acquisition	NOUN
framr-1727	32	7	as	as	ADP
framr-1727	32	8	a	a	DET
framr-1727	32	9	strategy	strategy	NOUN
framr-1727	32	10	to	to	PART
framr-1727	32	11	enable	enable	VERB
framr-1727	32	12	deposit	deposit	NOUN
framr-1727	32	13	money	money	NOUN
framr-1727	32	14	banks	bank	NOUN
framr-1727	32	15	to	to	PART
framr-1727	32	16	meet	meet	VERB
framr-1727	32	17	their	their	PRON
framr-1727	32	18	new	new	ADJ
framr-1727	32	19	and	and	CCONJ
framr-1727	32	20	hiked	hike	VERB
framr-1727	32	21	regulatory	regulatory	ADJ
framr-1727	32	22	minimum	minimum	NOUN
framr-1727	32	23	paid	pay	VERB
framr-1727	32	24	capital	capital	NOUN
framr-1727	32	25	base	base	NOUN
framr-1727	32	26	under	under	ADP
framr-1727	32	27	banking	banking	NOUN
framr-1727	32	28	reforms	reform	NOUN
framr-1727	32	29	component	component	NOUN
framr-1727	32	30	.	.	PUNCT
framr-1727	33	1	prior	prior	ADV
framr-1727	33	2	to	to	ADP
framr-1727	33	3	those	those	DET
framr-1727	33	4	banking	banking	NOUN
framr-1727	33	5	reforms	reform	NOUN
framr-1727	33	6	the	the	DET
framr-1727	33	7	nigerian	nigerian	ADJ
framr-1727	33	8	banking	banking	NOUN
framr-1727	33	9	system	system	NOUN
framr-1727	33	10	was	be	AUX
framr-1727	33	11	faced	face	VERB
framr-1727	33	12	with	with	ADP
framr-1727	33	13	a	a	DET
framr-1727	33	14	lot	lot	NOUN
framr-1727	33	15	of	of	ADP
framr-1727	33	16	serious	serious	ADJ
framr-1727	33	17	challenges	challenge	NOUN
framr-1727	33	18	namely	namely	ADV
framr-1727	33	19	:	:	PUNCT
framr-1727	33	20	distress	distress	NOUN
framr-1727	33	21	,	,	PUNCT
framr-1727	33	22	illiquidity	illiquidity	NOUN
framr-1727	33	23	,	,	PUNCT
framr-1727	33	24	board	board	NOUN
framr-1727	33	25	squabbles	squabble	NOUN
framr-1727	33	26	,	,	PUNCT
framr-1727	33	27	insiderdealings	insiderdealing	NOUN
framr-1727	33	28	,	,	PUNCT
framr-1727	33	29	rumors	rumor	NOUN
framr-1727	33	30	of	of	ADP
framr-1727	33	31	one	one	NUM
framr-1727	33	32	bank	bank	NOUN
framr-1727	33	33	or	or	CCONJ
framr-1727	33	34	the	the	DET
framr-1727	33	35	other	other	ADJ
framr-1727	33	36	going	go	VERB
framr-1727	33	37	distress	distress	NOUN
framr-1727	33	38	and	and	CCONJ
framr-1727	33	39	fears	fear	NOUN
framr-1727	33	40	that	that	SCONJ
framr-1727	33	41	some	some	DET
framr-1727	33	42	banks	bank	NOUN
framr-1727	33	43	would	would	AUX
framr-1727	33	44	be	be	AUX
framr-1727	33	45	liquidated	liquidate	VERB
framr-1727	33	46	among	among	ADP
framr-1727	33	47	others	other	NOUN
framr-1727	33	48	(	(	PUNCT
framr-1727	33	49	afolabi	afolabi	NOUN
framr-1727	33	50	,	,	PUNCT
framr-1727	33	51	2011	2011	NUM
framr-1727	33	52	;	;	PUNCT
framr-1727	33	53	adebayo	adebayo	PROPN
framr-1727	33	54	and	and	CCONJ
framr-1727	33	55	olalekan	olalekan	ADJ
framr-1727	33	56	,	,	PUNCT
framr-1727	33	57	2012	2012	NUM
framr-1727	33	58	)	)	PUNCT
framr-1727	33	59	.	.	PUNCT
framr-1727	34	1	those	those	DET
framr-1727	34	2	challenges	challenge	NOUN
framr-1727	34	3	obviously	obviously	ADV
framr-1727	34	4	eroded	erode	VERB
framr-1727	34	5	depositor	depositor	NOUN
framr-1727	34	6	’s	’s	PART
framr-1727	34	7	confidence	confidence	NOUN
framr-1727	34	8	and	and	CCONJ
framr-1727	34	9	created	create	VERB
framr-1727	34	10	doubt	doubt	NOUN
framr-1727	34	11	and	and	CCONJ
framr-1727	34	12	fear	fear	NOUN
framr-1727	34	13	among	among	ADP
framr-1727	34	14	the	the	DET
framr-1727	34	15	depositors	depositor	NOUN
framr-1727	34	16	and	and	CCONJ
framr-1727	34	17	general	general	ADJ
framr-1727	34	18	public	public	NOUN
framr-1727	34	19	on	on	ADP
framr-1727	34	20	the	the	DET
framr-1727	34	21	ability	ability	NOUN
framr-1727	34	22	of	of	ADP
framr-1727	34	23	many	many	ADJ
framr-1727	34	24	the	the	DET
framr-1727	34	25	banks	bank	NOUN
framr-1727	34	26	to	to	PART
framr-1727	34	27	continue	continue	VERB
framr-1727	34	28	as	as	ADP
framr-1727	34	29	going	go	VERB
framr-1727	34	30	concerns	concern	NOUN
framr-1727	34	31	(	(	PUNCT
framr-1727	34	32	appah	appah	NOUN
framr-1727	34	33	and	and	CCONJ
framr-1727	34	34	john	john	PROPN
framr-1727	34	35	,	,	PUNCT
framr-1727	34	36	2011	2011	NUM
framr-1727	34	37	)	)	PUNCT
framr-1727	34	38	.	.	PUNCT
framr-1727	35	1	the	the	DET
framr-1727	35	2	depositors	depositor	NOUN
framr-1727	35	3	were	be	AUX
framr-1727	35	4	living	live	VERB
framr-1727	35	5	in	in	ADP
framr-1727	35	6	fear	fear	NOUN
framr-1727	35	7	of	of	ADP
framr-1727	35	8	loss	loss	NOUN
framr-1727	35	9	of	of	ADP
framr-1727	35	10	their	their	PRON
framr-1727	35	11	funds	fund	NOUN
framr-1727	35	12	in	in	ADP
framr-1727	35	13	the	the	DET
framr-1727	35	14	banking	banking	NOUN
framr-1727	35	15	system	system	NOUN
framr-1727	35	16	.	.	PUNCT
framr-1727	36	1	indeed	indeed	ADV
framr-1727	36	2	a	a	DET
framr-1727	36	3	banking	banking	NOUN
framr-1727	36	4	system	system	NOUN
framr-1727	36	5	which	which	PRON
framr-1727	36	6	depositors	depositor	NOUN
framr-1727	36	7	could	could	AUX
framr-1727	36	8	trust	trust	VERB
framr-1727	36	9	was	be	AUX
framr-1727	36	10	clearly	clearly	ADV
framr-1727	36	11	missing	missing	ADJ
framr-1727	36	12	as	as	SCONJ
framr-1727	36	13	the	the	DET
framr-1727	36	14	existing	exist	VERB
framr-1727	36	15	system	system	NOUN
framr-1727	36	16	was	be	AUX
framr-1727	36	17	very	very	ADV
framr-1727	36	18	unstable	unstable	ADJ
framr-1727	36	19	and	and	CCONJ
framr-1727	36	20	marginal	marginal	ADJ
framr-1727	36	21	(	(	PUNCT
framr-1727	36	22	soludo	soludo	NOUN
framr-1727	36	23	,	,	PUNCT
framr-1727	36	24	2004	2004	NUM
framr-1727	36	25	)	)	PUNCT
framr-1727	36	26	.	.	PUNCT
framr-1727	37	1	a	a	DET
framr-1727	37	2	banking	banking	NOUN
framr-1727	37	3	system	system	NOUN
framr-1727	37	4	which	which	PRON
framr-1727	37	5	depositors	depositor	NOUN
framr-1727	37	6	can	can	AUX
framr-1727	37	7	trust	trust	VERB
framr-1727	37	8	is	be	AUX
framr-1727	37	9	very	very	ADV
framr-1727	37	10	crucial	crucial	ADJ
framr-1727	37	11	to	to	ADP
framr-1727	37	12	a	a	DET
framr-1727	37	13	sustainable	sustainable	ADJ
framr-1727	37	14	banking	banking	NOUN
framr-1727	37	15	system	system	NOUN
framr-1727	37	16	because	because	SCONJ
framr-1727	37	17	banking	banking	NOUN
framr-1727	37	18	business	business	NOUN
framr-1727	37	19	is	be	AUX
framr-1727	37	20	majorly	majorly	ADV
framr-1727	37	21	driven	drive	VERB
framr-1727	37	22	by	by	ADP
framr-1727	37	23	public	public	ADJ
framr-1727	37	24	confidence	confidence	NOUN
framr-1727	37	25	the	the	DET
framr-1727	37	26	absence	absence	NOUN
framr-1727	37	27	of	of	ADP
framr-1727	37	28	which	which	PRON
framr-1727	37	29	breeds	breed	VERB
framr-1727	37	30	crisis	crisis	NOUN
framr-1727	37	31	of	of	ADP
framr-1727	37	32	confidence	confidence	NOUN
framr-1727	37	33	and	and	CCONJ
framr-1727	37	34	bank	bank	NOUN
framr-1727	37	35	runs	run	NOUN
framr-1727	37	36	(	(	PUNCT
framr-1727	37	37	eboreime	eboreime	ADJ
framr-1727	37	38	,	,	PUNCT
framr-1727	37	39	2009	2009	NUM
framr-1727	37	40	)	)	PUNCT
framr-1727	37	41	.	.	PUNCT
framr-1727	38	1	in	in	ADP
framr-1727	38	2	a	a	DET
framr-1727	38	3	bid	bid	NOUN
framr-1727	38	4	to	to	PART
framr-1727	38	5	turn	turn	VERB
framr-1727	38	6	around	around	ADP
framr-1727	38	7	the	the	DET
framr-1727	38	8	nigerian	nigerian	ADJ
framr-1727	38	9	banking	banking	NOUN
framr-1727	38	10	system	system	NOUN
framr-1727	38	11	to	to	ADP
framr-1727	38	12	one	one	NUM
framr-1727	38	13	which	which	PRON
framr-1727	38	14	would	would	AUX
framr-1727	38	15	command	command	VERB
framr-1727	38	16	the	the	DET
framr-1727	38	17	confidence	confidence	NOUN
framr-1727	38	18	of	of	ADP
framr-1727	38	19	the	the	DET
framr-1727	38	20	general	general	ADJ
framr-1727	38	21	public	public	NOUN
framr-1727	38	22	and	and	CCONJ
framr-1727	38	23	the	the	DET
framr-1727	38	24	depositors	depositor	NOUN
framr-1727	38	25	,	,	PUNCT
framr-1727	38	26	the	the	DET
framr-1727	38	27	banking	banking	NOUN
framr-1727	38	28	reforms	reform	NOUN
framr-1727	38	29	were	be	AUX
framr-1727	38	30	implemented	implement	VERB
framr-1727	38	31	with	with	ADP
framr-1727	38	32	the	the	DET
framr-1727	38	33	banks	bank	NOUN
framr-1727	38	34	being	be	AUX
framr-1727	38	35	required	require	VERB
framr-1727	38	36	to	to	PART
framr-1727	38	37	raise	raise	VERB
framr-1727	38	38	their	their	PRON
framr-1727	38	39	capital	capital	NOUN
framr-1727	38	40	base	base	NOUN
framr-1727	38	41	from	from	ADP
framr-1727	38	42	2billion	2billion	NUM
framr-1727	38	43	naira	naira	NOUN
framr-1727	38	44	(	(	PUNCT
framr-1727	38	45	us	we	PRON
framr-1727	38	46	$	$	SYM
framr-1727	38	47	17.7	17.7	NUM
framr-1727	38	48	million	million	NUM
framr-1727	38	49	)	)	PUNCT
framr-1727	38	50	to	to	ADP
framr-1727	38	51	25	25	NUM
framr-1727	38	52	billion	billion	NUM
framr-1727	38	53	naira	naira	NOUN
framr-1727	38	54	(	(	PUNCT
framr-1727	38	55	us	we	PRON
framr-1727	38	56	$	$	SYM
framr-1727	38	57	184	184	NUM
framr-1727	38	58	million	million	NUM
framr-1727	38	59	)	)	PUNCT
framr-1727	38	60	by	by	ADP
framr-1727	38	61	31	31	NUM
framr-1727	38	62	december	december	PROPN
framr-1727	38	63	2005	2005	NUM
framr-1727	38	64	or	or	CCONJ
framr-1727	38	65	merge	merge	VERB
framr-1727	38	66	their	their	PRON
framr-1727	38	67	operations	operation	NOUN
framr-1727	38	68	with	with	ADP
framr-1727	38	69	those	those	PRON
framr-1727	38	70	of	of	ADP
framr-1727	38	71	other	other	ADJ
framr-1727	38	72	banks	bank	NOUN
framr-1727	38	73	(	(	PUNCT
framr-1727	38	74	panapress	panapress	NOUN
framr-1727	38	75	,	,	PUNCT
framr-1727	38	76	2004	2004	NUM
framr-1727	38	77	)	)	PUNCT
framr-1727	38	78	.	.	PUNCT
framr-1727	39	1	mergers	merger	NOUN
framr-1727	39	2	and	and	CCONJ
framr-1727	39	3	acquisitions	acquisition	NOUN
framr-1727	39	4	were	be	AUX
framr-1727	39	5	extensively	extensively	ADV
framr-1727	39	6	employed	employ	VERB
framr-1727	39	7	by	by	ADP
framr-1727	39	8	the	the	DET
framr-1727	39	9	deposit	deposit	NOUN
framr-1727	39	10	money	money	NOUN
framr-1727	39	11	banks	bank	NOUN
framr-1727	39	12	to	to	PART
framr-1727	39	13	raise	raise	VERB
framr-1727	39	14	the	the	DET
framr-1727	39	15	new	new	ADJ
framr-1727	39	16	minimum	minimum	NOUN
framr-1727	39	17	paid	pay	VERB
framr-1727	39	18	capital	capital	NOUN
framr-1727	39	19	base	base	NOUN
framr-1727	39	20	.	.	PUNCT
framr-1727	40	1	the	the	DET
framr-1727	40	2	number	number	NOUN
framr-1727	40	3	of	of	ADP
framr-1727	40	4	banks	bank	NOUN
framr-1727	40	5	was	be	AUX
framr-1727	40	6	trimmed	trim	VERB
framr-1727	40	7	from	from	ADP
framr-1727	40	8	89	89	NUM
framr-1727	40	9	to	to	PART
framr-1727	40	10	25	25	NUM
framr-1727	40	11	at	at	ADP
framr-1727	40	12	the	the	DET
framr-1727	40	13	end	end	NOUN
framr-1727	40	14	of	of	ADP
framr-1727	40	15	the	the	DET
framr-1727	40	16	2015	2015	NUM
framr-1727	40	17	(	(	PUNCT
framr-1727	40	18	soludo	soludo	NOUN
framr-1727	40	19	,	,	PUNCT
framr-1727	40	20	2006	2006	NUM
framr-1727	40	21	)	)	PUNCT
framr-1727	40	22	.	.	PUNCT
framr-1727	41	1	some	some	DET
framr-1727	41	2	empirical	empirical	ADJ
framr-1727	41	3	studies	study	NOUN
framr-1727	41	4	have	have	AUX
framr-1727	41	5	been	be	AUX
framr-1727	41	6	carried	carry	VERB
framr-1727	41	7	out	out	ADP
framr-1727	41	8	on	on	ADP
framr-1727	41	9	various	various	ADJ
framr-1727	41	10	aspects	aspect	NOUN
framr-1727	41	11	of	of	ADP
framr-1727	41	12	the	the	DET
framr-1727	41	13	mergers	merger	NOUN
framr-1727	41	14	and	and	CCONJ
framr-1727	41	15	acquisitions	acquisition	NOUN
framr-1727	41	16	.	.	PUNCT
framr-1727	42	1	the	the	DET
framr-1727	42	2	problem	problem	NOUN
framr-1727	42	3	is	be	AUX
framr-1727	42	4	that	that	SCONJ
framr-1727	42	5	most	most	ADJ
framr-1727	42	6	of	of	ADP
framr-1727	42	7	the	the	DET
framr-1727	42	8	studies	study	NOUN
framr-1727	42	9	focus	focus	VERB
framr-1727	42	10	on	on	ADP
framr-1727	42	11	synergy	synergy	NOUN
framr-1727	42	12	and	and	CCONJ
framr-1727	42	13	efficiency	efficiency	NOUN
framr-1727	42	14	achieved	achieve	VERB
framr-1727	42	15	by	by	ADP
framr-1727	42	16	the	the	DET
framr-1727	42	17	banks	bank	NOUN
framr-1727	42	18	in	in	ADP
framr-1727	42	19	the	the	DET
framr-1727	42	20	post	post	PROPN
framr-1727	42	21	merger	merger	PROPN
framr-1727	42	22	era	era	NOUN
framr-1727	42	23	.	.	PUNCT
framr-1727	43	1	studies	study	NOUN
framr-1727	43	2	on	on	ADP
framr-1727	43	3	impact	impact	NOUN
framr-1727	43	4	of	of	ADP
framr-1727	43	5	the	the	DET
framr-1727	43	6	mergers	merger	NOUN
framr-1727	43	7	and	and	CCONJ
framr-1727	43	8	acquisitions	acquisition	NOUN
framr-1727	43	9	on	on	ADP
framr-1727	43	10	depositors	depositor	NOUN
framr-1727	43	11	’	’	PART
framr-1727	43	12	confidence	confidence	NOUN
framr-1727	43	13	are	be	AUX
framr-1727	43	14	very	very	ADV
framr-1727	43	15	scanty	scanty	ADJ
framr-1727	43	16	and	and	CCONJ
framr-1727	43	17	with	with	ADP
framr-1727	43	18	conflicting	conflicting	ADJ
framr-1727	43	19	findings	finding	NOUN
framr-1727	43	20	.	.	PUNCT
framr-1727	44	1	for	for	ADP
framr-1727	44	2	instance	instance	NOUN
framr-1727	44	3	while	while	SCONJ
framr-1727	44	4	(	(	PUNCT
framr-1727	44	5	appah	appah	NOUN
framr-1727	44	6	and	and	CCONJ
framr-1727	44	7	john	john	PROPN
framr-1727	44	8	,	,	PUNCT
framr-1727	44	9	2011	2011	NUM
framr-1727	44	10	)	)	PUNCT
framr-1727	44	11	finding	finding	NOUN
framr-1727	44	12	is	be	AUX
framr-1727	44	13	that	that	SCONJ
framr-1727	44	14	despite	despite	SCONJ
framr-1727	44	15	the	the	DET
framr-1727	44	16	mergers	merger	NOUN
framr-1727	44	17	and	and	CCONJ
framr-1727	44	18	acquisitions	acquisition	NOUN
framr-1727	44	19	of	of	ADP
framr-1727	44	20	banks	bank	NOUN
framr-1727	44	21	in	in	ADP
framr-1727	44	22	the	the	DET
framr-1727	44	23	country	country	NOUN
framr-1727	44	24	,	,	PUNCT
framr-1727	44	25	some	some	PRON
framr-1727	44	26	of	of	ADP
framr-1727	44	27	the	the	DET
framr-1727	44	28	merged	merge	VERB
framr-1727	44	29	banks	bank	NOUN
framr-1727	44	30	are	be	AUX
framr-1727	44	31	still	still	ADV
framr-1727	44	32	facing	face	VERB
framr-1727	44	33	the	the	DET
framr-1727	44	34	challenges	challenge	NOUN
framr-1727	44	35	that	that	PRON
framr-1727	44	36	led	lead	VERB
framr-1727	44	37	to	to	ADP
framr-1727	44	38	the	the	DET
framr-1727	44	39	2005	2005	NUM
framr-1727	44	40	consolidation	consolidation	NOUN
framr-1727	44	41	,	,	PUNCT
framr-1727	44	42	the	the	DET
framr-1727	44	43	outcome	outcome	NOUN
framr-1727	44	44	in	in	ADP
framr-1727	44	45	ugwuanyi	ugwuanyi	PROPN
framr-1727	44	46	(	(	PUNCT
framr-1727	44	47	2014	2014	NUM
framr-1727	44	48	)	)	PUNCT
framr-1727	44	49	is	be	AUX
framr-1727	44	50	suggestive	suggestive	ADJ
framr-1727	44	51	that	that	SCONJ
framr-1727	44	52	the	the	DET
framr-1727	44	53	2005	2005	NUM
framr-1727	44	54	banking	banking	NOUN
framr-1727	44	55	reform	reform	NOUN
framr-1727	44	56	has	have	AUX
framr-1727	44	57	corrected	correct	VERB
framr-1727	44	58	the	the	DET
framr-1727	44	59	erosion	erosion	NOUN
framr-1727	44	60	of	of	ADP
framr-1727	44	61	public	public	ADJ
framr-1727	44	62	confidence	confidence	NOUN
framr-1727	44	63	witnessed	witness	VERB
framr-1727	44	64	before	before	ADP
framr-1727	44	65	the	the	DET
framr-1727	44	66	reform	reform	NOUN
framr-1727	44	67	.	.	PUNCT
framr-1727	45	1	also	also	ADV
framr-1727	45	2	some	some	DET
framr-1727	45	3	years	year	NOUN
framr-1727	45	4	after	after	ADP
framr-1727	45	5	the	the	DET
framr-1727	45	6	mergers	merger	NOUN
framr-1727	45	7	and	and	CCONJ
framr-1727	45	8	acquisitions	acquisition	NOUN
framr-1727	45	9	,	,	PUNCT
framr-1727	45	10	about	about	ADV
framr-1727	45	11	65	65	NUM
framr-1727	45	12	%	%	NOUN
framr-1727	45	13	of	of	ADP
framr-1727	45	14	cash	cash	NOUN
framr-1727	45	15	in	in	ADP
framr-1727	45	16	circulation	circulation	NOUN
framr-1727	45	17	is	be	AUX
framr-1727	45	18	said	say	VERB
framr-1727	45	19	to	to	PART
framr-1727	45	20	be	be	AUX
framr-1727	45	21	still	still	ADV
framr-1727	45	22	outside	outside	ADP
framr-1727	45	23	the	the	DET
framr-1727	45	24	banking	banking	NOUN
framr-1727	45	25	system	system	NOUN
framr-1727	45	26	by	by	ADP
framr-1727	45	27	2011	2011	NUM
framr-1727	45	28	(	(	PUNCT
framr-1727	45	29	cbn	cbn	PROPN
framr-1727	45	30	,	,	PUNCT
framr-1727	45	31	2011	2011	NUM
framr-1727	45	32	)	)	PUNCT
framr-1727	45	33	.	.	PUNCT
framr-1727	46	1	again	again	ADV
framr-1727	46	2	we	we	PRON
framr-1727	46	3	still	still	ADV
framr-1727	46	4	have	have	VERB
framr-1727	46	5	rumors	rumor	NOUN
framr-1727	46	6	and	and	CCONJ
framr-1727	46	7	speculations	speculation	NOUN
framr-1727	46	8	that	that	PRON
framr-1727	46	9	―some	―some	VERB
framr-1727	46	10	banks	bank	NOUN
framr-1727	46	11	in	in	ADP
framr-1727	46	12	the	the	DET
framr-1727	46	13	country	country	NOUN
framr-1727	46	14	may	may	AUX
framr-1727	46	15	have	have	AUX
framr-1727	46	16	gone	go	VERB
framr-1727	46	17	or	or	CCONJ
framr-1727	46	18	may	may	AUX
framr-1727	46	19	be	be	AUX
framr-1727	46	20	going	go	VERB
framr-1727	46	21	into	into	ADP
framr-1727	46	22	distress‖	distress‖	PROPN
framr-1727	46	23	(	(	PUNCT
framr-1727	46	24	cbn	cbn	PROPN
framr-1727	46	25	,	,	PUNCT
framr-1727	46	26	2011	2011	NUM
framr-1727	46	27	)	)	PUNCT
framr-1727	46	28	.	.	PUNCT
framr-1727	47	1	the	the	DET
framr-1727	47	2	rumors	rumor	NOUN
framr-1727	47	3	are	be	AUX
framr-1727	47	4	so	so	ADV
framr-1727	47	5	strong	strong	ADJ
framr-1727	47	6	that	that	SCONJ
framr-1727	47	7	central	central	ADJ
framr-1727	47	8	bank	bank	PROPN
framr-1727	47	9	of	of	ADP
framr-1727	47	10	nigeria	nigeria	PROPN
framr-1727	47	11	has	have	VERB
framr-1727	47	12	to	to	PART
framr-1727	47	13	issue	issue	VERB
framr-1727	47	14	a	a	DET
framr-1727	47	15	press	press	NOUN
framr-1727	47	16	release	release	NOUN
framr-1727	47	17	to	to	PART
framr-1727	47	18	deny	deny	VERB
framr-1727	47	19	that	that	SCONJ
framr-1727	47	20	some	some	DET
framr-1727	47	21	banks	bank	NOUN
framr-1727	47	22	are	be	AUX
framr-1727	47	23	going	go	VERB
framr-1727	47	24	distress	distress	NOUN
framr-1727	47	25	.	.	PUNCT
framr-1727	48	1	again	again	ADV
framr-1727	48	2	according	accord	VERB
framr-1727	48	3	to	to	ADP
framr-1727	48	4	enhancing	enhance	VERB
framr-1727	48	5	financial	financial	ADJ
framr-1727	48	6	inclusion	inclusion	NOUN
framr-1727	48	7	access	access	NOUN
framr-1727	48	8	,	,	PUNCT
framr-1727	48	9	efina	efina	NOUN
framr-1727	48	10	(	(	PUNCT
framr-1727	48	11	2015	2015	NUM
framr-1727	48	12	)	)	PUNCT
framr-1727	48	13	39.7	39.7	NUM
framr-1727	48	14	%	%	NOUN
framr-1727	48	15	of	of	ADP
framr-1727	48	16	the	the	DET
framr-1727	48	17	adult	adult	NOUN
framr-1727	48	18	population	population	NOUN
framr-1727	48	19	in	in	ADP
framr-1727	48	20	nigeria	nigeria	PROPN
framr-1727	48	21	by	by	ADP
framr-1727	48	22	2012	2012	NUM
framr-1727	48	23	has	have	VERB
framr-1727	48	24	no	no	DET
framr-1727	48	25	formal	formal	ADJ
framr-1727	48	26	access	access	NOUN
framr-1727	48	27	to	to	ADP
framr-1727	48	28	banking	banking	NOUN
framr-1727	48	29	services	service	NOUN
framr-1727	48	30	.	.	PUNCT
framr-1727	49	1	these	these	DET
framr-1727	49	2	facts	fact	NOUN
framr-1727	49	3	raise	raise	VERB
framr-1727	49	4	doubt	doubt	NOUN
framr-1727	49	5	about	about	ADP
framr-1727	49	6	the	the	DET
framr-1727	49	7	impact	impact	NOUN
framr-1727	49	8	of	of	ADP
framr-1727	49	9	the	the	DET
framr-1727	49	10	mergers	merger	NOUN
framr-1727	49	11	and	and	CCONJ
framr-1727	49	12	acquisitions	acquisition	NOUN
framr-1727	49	13	on	on	ADP
framr-1727	49	14	the	the	DET
framr-1727	49	15	confidence	confidence	NOUN
framr-1727	49	16	of	of	ADP
framr-1727	49	17	the	the	DET
framr-1727	49	18	depositors	depositor	NOUN
framr-1727	49	19	and	and	CCONJ
framr-1727	49	20	the	the	DET
framr-1727	49	21	general	general	ADJ
framr-1727	49	22	public	public	NOUN
framr-1727	49	23	in	in	ADP
framr-1727	49	24	the	the	DET
framr-1727	49	25	nigerian	nigerian	ADJ
framr-1727	49	26	banking	banking	NOUN
framr-1727	49	27	sector	sector	NOUN
framr-1727	49	28	and	and	CCONJ
framr-1727	49	29	thus	thus	ADV
framr-1727	49	30	constitute	constitute	VERB
framr-1727	49	31	the	the	DET
framr-1727	49	32	key	key	ADJ
framr-1727	49	33	motivations	motivation	NOUN
framr-1727	49	34	for	for	ADP
framr-1727	49	35	this	this	DET
framr-1727	49	36	study	study	NOUN
framr-1727	49	37	.	.	PUNCT
framr-1727	50	1	2	2	X
framr-1727	50	2	.	.	X
framr-1727	50	3	overview	overview	NOUN
framr-1727	50	4	of	of	ADP
framr-1727	50	5	mergers	merger	NOUN
framr-1727	50	6	and	and	CCONJ
framr-1727	50	7	acquisitions	acquisition	NOUN
framr-1727	50	8	:	:	PUNCT
framr-1727	50	9	world	world	NOUN
framr-1727	50	10	perspective	perspective	NOUN
framr-1727	50	11	in	in	ADP
framr-1727	50	12	recent	recent	ADJ
framr-1727	50	13	decades	decade	NOUN
framr-1727	50	14	the	the	DET
framr-1727	50	15	concept	concept	NOUN
framr-1727	50	16	of	of	ADP
framr-1727	50	17	mergers	merger	NOUN
framr-1727	50	18	and	and	CCONJ
framr-1727	50	19	acquisitions	acquisition	NOUN
framr-1727	50	20	has	have	AUX
framr-1727	50	21	dominated	dominate	VERB
framr-1727	50	22	national	national	ADJ
framr-1727	50	23	and	and	CCONJ
framr-1727	50	24	international	international	ADJ
framr-1727	50	25	fora	fora	PROPN
framr-1727	50	26	.	.	PUNCT
framr-1727	51	1	in	in	ADP
framr-1727	51	2	a	a	DET
framr-1727	51	3	simple	simple	ADJ
framr-1727	51	4	sense	sense	NOUN
framr-1727	51	5	,	,	PUNCT
framr-1727	51	6	a	a	DET
framr-1727	51	7	merger	merger	NOUN
framr-1727	51	8	refers	refer	VERB
framr-1727	51	9	to	to	ADP
framr-1727	51	10	a	a	DET
framr-1727	51	11	combination	combination	NOUN
framr-1727	51	12	of	of	ADP
framr-1727	51	13	two	two	NUM
framr-1727	51	14	or	or	CCONJ
framr-1727	51	15	more	more	ADJ
framr-1727	51	16	companies	company	NOUN
framr-1727	51	17	into	into	ADP
framr-1727	51	18	one	one	NUM
framr-1727	51	19	larger	large	ADJ
framr-1727	51	20	organization	organization	NOUN
framr-1727	51	21	(	(	PUNCT
framr-1727	51	22	ailemen	aileman	NOUN
framr-1727	51	23	and	and	CCONJ
framr-1727	51	24	oyero	oyero	PROPN
framr-1727	51	25	,	,	PUNCT
framr-1727	51	26	2013	2013	NUM
framr-1727	51	27	;	;	PUNCT
framr-1727	51	28	olugbenga	olugbenga	NOUN
framr-1727	51	29	and	and	CCONJ
framr-1727	51	30	olusola	olusola	NUM
framr-1727	51	31	,	,	PUNCT
framr-1727	51	32	2014	2014	NUM
framr-1727	51	33	)	)	PUNCT
framr-1727	51	34	.	.	PUNCT
framr-1727	52	1	it	it	PRON
framr-1727	52	2	is	be	AUX
framr-1727	52	3	can	can	AUX
framr-1727	52	4	also	also	ADV
framr-1727	52	5	be	be	AUX
framr-1727	52	6	seen	see	VERB
framr-1727	52	7	as	as	ADP
framr-1727	52	8	the	the	DET
framr-1727	52	9	coming	come	VERB
framr-1727	52	10	together	together	ADV
framr-1727	52	11	of	of	ADP
framr-1727	52	12	two	two	NUM
framr-1727	52	13	entities	entity	NOUN
framr-1727	52	14	to	to	PART
framr-1727	52	15	form	form	VERB
framr-1727	52	16	a	a	DET
framr-1727	52	17	completely	completely	ADV
framr-1727	52	18	new	new	ADJ
framr-1727	52	19	company	company	NOUN
framr-1727	52	20	(	(	PUNCT
framr-1727	52	21	uremadu	uremadu	ADJ
framr-1727	52	22	,	,	PUNCT
framr-1727	52	23	2004	2004	NUM
framr-1727	52	24	)	)	PUNCT
framr-1727	52	25	.	.	PUNCT
framr-1727	53	1	a	a	DET
framr-1727	53	2	merger	merger	NOUN
framr-1727	53	3	can	can	AUX
framr-1727	53	4	equally	equally	ADV
framr-1727	53	5	be	be	AUX
framr-1727	53	6	explained	explain	VERB
framr-1727	53	7	as	as	ADP
framr-1727	53	8	the	the	DET
framr-1727	53	9	result	result	NOUN
framr-1727	53	10	of	of	ADP
framr-1727	53	11	a	a	DET
framr-1727	53	12	process	process	NOUN
framr-1727	53	13	whereby	whereby	SCONJ
framr-1727	53	14	two	two	NUM
framr-1727	53	15	or	or	CCONJ
framr-1727	53	16	more	more	ADV
framr-1727	53	17	previously	previously	ADV
framr-1727	53	18	autonomous	autonomous	ADJ
framr-1727	53	19	concerns	concern	NOUN
framr-1727	53	20	come	come	VERB
framr-1727	53	21	under	under	ADP
framr-1727	53	22	common	common	ADJ
framr-1727	53	23	control	control	NOUN
framr-1727	53	24	(	(	PUNCT
framr-1727	53	25	odetayo	odetayo	NOUN
framr-1727	53	26	et	et	PROPN
framr-1727	53	27	al	al	PROPN
framr-1727	53	28	.	.	PROPN
framr-1727	53	29	,	,	PUNCT
framr-1727	53	30	2013	2013	NUM
framr-1727	53	31	)	)	PUNCT
framr-1727	53	32	while	while	SCONJ
framr-1727	53	33	acquisition	acquisition	NOUN
framr-1727	53	34	takes	take	VERB
framr-1727	53	35	place	place	NOUN
framr-1727	53	36	where	where	SCONJ
framr-1727	53	37	entity	entity	NOUN
framr-1727	53	38	a	a	PRON
framr-1727	53	39	acquires	acquire	VERB
framr-1727	53	40	all	all	DET
framr-1727	53	41	the	the	DET
framr-1727	53	42	shares	share	NOUN
framr-1727	53	43	of	of	ADP
framr-1727	53	44	entity	entity	NOUN
framr-1727	53	45	b	b	NOUN
framr-1727	53	46	and	and	CCONJ
framr-1727	53	47	a	a	PRON
framr-1727	53	48	continues	continue	VERB
framr-1727	53	49	to	to	PART
framr-1727	53	50	exit	exit	VERB
framr-1727	53	51	while	while	SCONJ
framr-1727	53	52	b	b	PROPN
framr-1727	53	53	disappears	disappear	VERB
framr-1727	53	54	(	(	PUNCT
framr-1727	53	55	mcclure	mcclure	PROPN
framr-1727	53	56	,	,	PUNCT
framr-1727	53	57	2014	2014	NUM
framr-1727	53	58	)	)	PUNCT
framr-1727	53	59	.	.	PUNCT
framr-1727	54	1	the	the	DET
framr-1727	54	2	terms	term	NOUN
framr-1727	54	3	mergers	merger	NOUN
framr-1727	54	4	and	and	CCONJ
framr-1727	54	5	acquisitions	acquisition	NOUN
framr-1727	54	6	are	be	AUX
framr-1727	54	7	usually	usually	ADV
framr-1727	54	8	used	use	VERB
framr-1727	54	9	interchangeably	interchangeably	ADV
framr-1727	54	10	to	to	PART
framr-1727	54	11	refer	refer	VERB
framr-1727	54	12	to	to	ADP
framr-1727	54	13	transactions	transaction	NOUN
framr-1727	54	14	involving	involve	VERB
framr-1727	54	15	the	the	DET
framr-1727	54	16	combination	combination	NOUN
framr-1727	54	17	of	of	ADP
framr-1727	54	18	at	at	ADV
framr-1727	54	19	least	least	ADV
framr-1727	54	20	two	two	NUM
framr-1727	54	21	independent	independent	ADJ
framr-1727	54	22	firms	firm	NOUN
framr-1727	54	23	to	to	PART
framr-1727	54	24	form	form	VERB
framr-1727	54	25	one	one	NUM
framr-1727	54	26	.	.	PUNCT
framr-1727	55	1	in	in	ADP
framr-1727	55	2	this	this	DET
framr-1727	55	3	study	study	NOUN
framr-1727	55	4	the	the	DET
framr-1727	55	5	terms	term	NOUN
framr-1727	55	6	are	be	AUX
framr-1727	55	7	used	use	VERB
framr-1727	55	8	interchangeably	interchangeably	ADV
framr-1727	55	9	.	.	PUNCT
framr-1727	56	1	on	on	ADP
framr-1727	56	2	the	the	DET
framr-1727	56	3	other	other	ADJ
framr-1727	56	4	hand	hand	NOUN
framr-1727	56	5	consolidation	consolidation	NOUN
framr-1727	56	6	occurs	occur	VERB
framr-1727	56	7	when	when	SCONJ
framr-1727	56	8	two	two	NUM
framr-1727	56	9	companies	company	NOUN
framr-1727	56	10	combine	combine	VERB
framr-1727	56	11	to	to	PART
framr-1727	56	12	form	form	VERB
framr-1727	56	13	a	a	DET
framr-1727	56	14	new	new	ADJ
framr-1727	56	15	enterprise	enterprise	NOUN
framr-1727	56	16	altogether	altogether	ADV
framr-1727	56	17	,	,	PUNCT
framr-1727	56	18	and	and	CCONJ
framr-1727	56	19	neither	neither	CCONJ
framr-1727	56	20	financial	financial	ADJ
framr-1727	56	21	risk	risk	NOUN
framr-1727	56	22	and	and	CCONJ
framr-1727	56	23	management	management	NOUN
framr-1727	56	24	reviews	review	NOUN
framr-1727	56	25	,	,	PUNCT
framr-1727	56	26	2018	2018	NUM
framr-1727	56	27	,	,	PUNCT
framr-1727	56	28	4(1	4(1	NOUN
framr-1727	56	29	):	):	PUNCT
framr-1727	56	30	34	34	NUM
framr-1727	56	31	-	-	SYM
framr-1727	56	32	48	48	NUM
framr-1727	56	33	36	36	NUM
framr-1727	56	34	©	©	PROPN
framr-1727	56	35	2018	2018	NUM
framr-1727	56	36	conscientia	conscientia	PROPN
framr-1727	56	37	beam	beam	PROPN
framr-1727	56	38	.	.	PUNCT
framr-1727	57	1	all	all	DET
framr-1727	57	2	rights	right	NOUN
framr-1727	57	3	reserved	reserve	VERB
framr-1727	57	4	.	.	PUNCT
framr-1727	58	1	of	of	ADP
framr-1727	58	2	the	the	DET
framr-1727	58	3	previous	previous	ADJ
framr-1727	58	4	companies	company	NOUN
framr-1727	58	5	remains	remain	VERB
framr-1727	58	6	independently	independently	ADV
framr-1727	58	7	while	while	SCONJ
framr-1727	58	8	a	a	DET
framr-1727	58	9	merger	merger	NOUN
framr-1727	58	10	via	via	ADP
framr-1727	58	11	absorption	absorption	NOUN
framr-1727	58	12	according	accord	VERB
framr-1727	58	13	(	(	PUNCT
framr-1727	58	14	pandey	pandey	PROPN
framr-1727	58	15	,	,	PUNCT
framr-1727	58	16	1998	1998	NUM
framr-1727	58	17	)	)	PUNCT
framr-1727	58	18	is	be	AUX
framr-1727	58	19	a	a	DET
framr-1727	58	20	combination	combination	NOUN
framr-1727	58	21	of	of	ADP
framr-1727	58	22	two	two	NUM
framr-1727	58	23	or	or	CCONJ
framr-1727	58	24	companies	company	NOUN
framr-1727	58	25	into	into	ADP
framr-1727	58	26	an	an	DET
framr-1727	58	27	existing	exist	VERB
framr-1727	58	28	one	one	NUM
framr-1727	58	29	with	with	ADP
framr-1727	58	30	all	all	DET
framr-1727	58	31	the	the	DET
framr-1727	58	32	existing	exist	VERB
framr-1727	58	33	companies	company	NOUN
framr-1727	58	34	except	except	SCONJ
framr-1727	58	35	one	one	NUM
framr-1727	58	36	losing	lose	VERB
framr-1727	58	37	their	their	PRON
framr-1727	58	38	individual	individual	ADJ
framr-1727	58	39	identities	identity	NOUN
framr-1727	58	40	.	.	PUNCT
framr-1727	59	1	at	at	ADP
framr-1727	59	2	the	the	DET
framr-1727	59	3	global	global	ADJ
framr-1727	59	4	level	level	NOUN
framr-1727	59	5	mergers	merger	NOUN
framr-1727	59	6	and	and	CCONJ
framr-1727	59	7	acquisitions	acquisition	NOUN
framr-1727	59	8	activities	activity	NOUN
framr-1727	59	9	have	have	AUX
framr-1727	59	10	been	be	AUX
framr-1727	59	11	on	on	ADP
framr-1727	59	12	the	the	DET
framr-1727	59	13	rise	rise	NOUN
framr-1727	59	14	though	though	SCONJ
framr-1727	59	15	the	the	DET
framr-1727	59	16	global	global	ADJ
framr-1727	59	17	volume	volume	NOUN
framr-1727	59	18	declined	decline	VERB
framr-1727	59	19	by	by	ADP
framr-1727	59	20	17	17	NUM
framr-1727	59	21	%	%	NOUN
framr-1727	59	22	in	in	ADP
framr-1727	59	23	2016	2016	NUM
framr-1727	59	24	with	with	ADP
framr-1727	59	25	total	total	ADJ
framr-1727	59	26	value	value	NOUN
framr-1727	59	27	of	of	ADP
framr-1727	59	28	$	$	SYM
framr-1727	59	29	3.6	3.6	NUM
framr-1727	59	30	trillion	trillion	NUM
framr-1727	59	31	as	as	ADP
framr-1727	59	32	against	against	ADP
framr-1727	59	33	$	$	SYM
framr-1727	59	34	4.34trillion	4.34trillion	NOUN
framr-1727	59	35	in	in	ADP
framr-1727	59	36	2015	2015	NUM
framr-1727	59	37	(	(	PUNCT
framr-1727	59	38	roumelioti	roumelioti	NOUN
framr-1727	59	39	and	and	CCONJ
framr-1727	59	40	lewis	lewis	PROPN
framr-1727	59	41	,	,	PUNCT
framr-1727	59	42	2016	2016	NUM
framr-1727	59	43	)	)	PUNCT
framr-1727	60	1	china	china	PROPN
framr-1727	60	2	recorded	record	VERB
framr-1727	60	3	the	the	DET
framr-1727	60	4	highest	high	ADJ
framr-1727	60	5	cross	cross	ADJ
framr-1727	60	6	-	-	ADJ
framr-1727	60	7	border	border	ADJ
framr-1727	60	8	deals	deal	NOUN
framr-1727	60	9	worth	worth	ADJ
framr-1727	60	10	$	$	SYM
framr-1727	60	11	221billion	221billion	PROPN
framr-1727	60	12	in	in	ADP
framr-1727	60	13	2016	2016	NUM
framr-1727	60	14	.	.	PUNCT
framr-1727	61	1	according	accord	VERB
framr-1727	61	2	to	to	ADP
framr-1727	61	3	the	the	DET
framr-1727	61	4	authors	author	NOUN
framr-1727	61	5	,	,	PUNCT
framr-1727	61	6	some	some	PRON
framr-1727	61	7	of	of	ADP
framr-1727	61	8	the	the	DET
framr-1727	61	9	notable	notable	ADJ
framr-1727	61	10	deals	deal	NOUN
framr-1727	61	11	documented	document	VERB
framr-1727	61	12	in	in	ADP
framr-1727	61	13	2016	2016	NUM
framr-1727	61	14	include	include	VERB
framr-1727	61	15	:	:	PUNCT
framr-1727	61	16	at&t	at&t	NOUN
framr-1727	61	17	and	and	CCONJ
framr-1727	61	18	time	time	NOUN
framr-1727	61	19	warner	warner	PROPN
framr-1727	61	20	$	$	SYM
framr-1727	61	21	86	86	NUM
framr-1727	61	22	billion	billion	NUM
framr-1727	61	23	on	on	ADP
framr-1727	61	24	october	october	PROPN
framr-1727	61	25	22	22	NUM
framr-1727	61	26	,	,	PUNCT
framr-1727	61	27	2016	2016	NUM
framr-1727	61	28	;	;	PUNCT
framr-1727	61	29	qualcomm	qualcomm	NOUN
framr-1727	61	30	and	and	CCONJ
framr-1727	61	31	nxp	nxp	PROPN
framr-1727	61	32	semiconductors	semiconductor	NOUN
framr-1727	61	33	$	$	SYM
framr-1727	61	34	47	47	NUM
framr-1727	61	35	billion	billion	NUM
framr-1727	61	36	on	on	ADP
framr-1727	61	37	october	october	PROPN
framr-1727	61	38	27	27	NUM
framr-1727	61	39	,	,	PUNCT
framr-1727	61	40	2016	2016	NUM
framr-1727	61	41	;	;	PUNCT
framr-1727	61	42	shire	shire	PROPN
framr-1727	61	43	and	and	CCONJ
framr-1727	61	44	baxalta	baxalta	VERB
framr-1727	61	45	$	$	SYM
framr-1727	61	46	32	32	NUM
framr-1727	61	47	billiona	billiona	NOUN
framr-1727	61	48	announced	announce	VERB
framr-1727	61	49	in	in	ADP
framr-1727	61	50	january	january	PROPN
framr-1727	61	51	2016	2016	NUM
framr-1727	61	52	but	but	CCONJ
framr-1727	61	53	completed	complete	VERB
framr-1727	61	54	in	in	ADP
framr-1727	61	55	june	june	PROPN
framr-1727	61	56	2016	2016	NUM
framr-1727	61	57	;	;	PUNCT
framr-1727	61	58	abbott	abbott	PROPN
framr-1727	61	59	laboratories	laboratories	PROPN
framr-1727	61	60	and	and	CCONJ
framr-1727	61	61	st	st	PROPN
framr-1727	61	62	.	.	PROPN
framr-1727	61	63	jude	jude	PROPN
framr-1727	61	64	medical$30.6	medical$30.6	PROPN
framr-1727	61	65	billion	billion	NUM
framr-1727	61	66	in	in	ADP
framr-1727	61	67	april	april	PROPN
framr-1727	61	68	2016	2016	NUM
framr-1727	61	69	;	;	PUNCT
framr-1727	61	70	microsoft	microsoft	PROPN
framr-1727	61	71	and	and	CCONJ
framr-1727	61	72	linkedin	linkedin	VERB
framr-1727	61	73	$	$	SYM
framr-1727	61	74	26.2	26.2	NUM
framr-1727	61	75	billion	billion	NUM
framr-1727	61	76	on	on	ADP
framr-1727	61	77	august	august	PROPN
framr-1727	61	78	1	1	NUM
framr-1727	61	79	,	,	PUNCT
framr-1727	61	80	2016	2016	NUM
framr-1727	61	81	among	among	ADP
framr-1727	61	82	others	other	NOUN
framr-1727	61	83	.	.	PUNCT
framr-1727	62	1	2.1	2.1	NUM
framr-1727	62	2	.	.	PUNCT
framr-1727	62	3	mergers	merger	NOUN
framr-1727	62	4	and	and	CCONJ
framr-1727	62	5	acquisitions	acquisition	NOUN
framr-1727	62	6	:	:	PUNCT
framr-1727	62	7	the	the	DET
framr-1727	62	8	nigerian	nigerian	PROPN
framr-1727	62	9	perspective	perspective	NOUN
framr-1727	62	10	some	some	PRON
framr-1727	62	11	of	of	ADP
framr-1727	62	12	the	the	DET
framr-1727	62	13	early	early	ADJ
framr-1727	62	14	merger	merger	NOUN
framr-1727	62	15	and	and	CCONJ
framr-1727	62	16	acquisition	acquisition	NOUN
framr-1727	62	17	deals	deal	NOUN
framr-1727	62	18	in	in	ADP
framr-1727	62	19	independent	independent	ADJ
framr-1727	62	20	nigeria	nigeria	PROPN
framr-1727	62	21	dates	date	VERB
framr-1727	62	22	back	back	ADV
framr-1727	62	23	to	to	ADP
framr-1727	62	24	early1980s	early1980	NOUN
framr-1727	62	25	.	.	PUNCT
framr-1727	63	1	according	accord	VERB
framr-1727	63	2	to	to	ADP
framr-1727	63	3	ogbochie	ogbochie	PROPN
framr-1727	63	4	(	(	PUNCT
framr-1727	63	5	2011	2011	NUM
framr-1727	63	6	)	)	PUNCT
framr-1727	63	7	between	between	ADP
framr-1727	63	8	1982	1982	NUM
framr-1727	63	9	and	and	CCONJ
framr-1727	63	10	1988	1988	NUM
framr-1727	63	11	,	,	PUNCT
framr-1727	63	12	the	the	DET
framr-1727	63	13	securities	securities	PROPN
framr-1727	63	14	and	and	CCONJ
framr-1727	63	15	exchange	exchange	PROPN
framr-1727	63	16	commission	commission	PROPN
framr-1727	63	17	(	(	PUNCT
framr-1727	63	18	sec	sec	PROPN
framr-1727	63	19	)	)	PUNCT
framr-1727	63	20	supervised	supervise	VERB
framr-1727	63	21	13	13	NUM
framr-1727	63	22	mergers	merger	NOUN
framr-1727	63	23	including	include	VERB
framr-1727	63	24	the	the	DET
framr-1727	63	25	mergers	merger	NOUN
framr-1727	63	26	of	of	ADP
framr-1727	63	27	lever	lever	NOUN
framr-1727	63	28	brothers	brother	NOUN
framr-1727	63	29	nig	nig	PROPN
framr-1727	63	30	ltd	ltd	PROPN
framr-1727	63	31	and	and	CCONJ
framr-1727	63	32	lipton	lipton	PROPN
framr-1727	63	33	nigeria	nigeria	PROPN
framr-1727	63	34	ltd	ltd	PROPN
framr-1727	63	35	,	,	PUNCT
framr-1727	63	36	scoa	scoa	PROPN
framr-1727	63	37	nigeria	nigeria	PROPN
framr-1727	63	38	ltd	ltd	PROPN
framr-1727	63	39	and	and	CCONJ
framr-1727	63	40	nigeria	nigeria	PROPN
framr-1727	63	41	automotive	automotive	PROPN
framr-1727	63	42	components	components	PROPN
framr-1727	63	43	ltd	ltd	PROPN
framr-1727	63	44	,	,	PUNCT
framr-1727	63	45	john	john	PROPN
framr-1727	63	46	holt	holt	PROPN
framr-1727	63	47	ltd	ltd	PROPN
framr-1727	63	48	and	and	CCONJ
framr-1727	63	49	john	john	PROPN
framr-1727	63	50	holt	holt	PROPN
framr-1727	63	51	investment	investment	PROPN
framr-1727	63	52	ltd	ltd	PROPN
framr-1727	63	53	though	though	SCONJ
framr-1727	63	54	two	two	NUM
framr-1727	63	55	of	of	ADP
framr-1727	63	56	them	they	PRON
framr-1727	63	57	were	be	AUX
framr-1727	63	58	unsuccessful	unsuccessful	ADJ
framr-1727	63	59	.	.	PUNCT
framr-1727	64	1	also	also	ADV
framr-1727	64	2	in	in	ADP
framr-1727	64	3	2002	2002	NUM
framr-1727	64	4	,	,	PUNCT
framr-1727	64	5	there	there	PRON
framr-1727	64	6	was	be	VERB
framr-1727	64	7	a	a	DET
framr-1727	64	8	merger	merger	NOUN
framr-1727	64	9	of	of	ADP
framr-1727	64	10	two	two	NUM
framr-1727	64	11	important	important	ADJ
framr-1727	64	12	petroleum	petroleum	NOUN
framr-1727	64	13	companies	company	NOUN
framr-1727	64	14	;	;	PUNCT
framr-1727	64	15	agip	agip	PROPN
framr-1727	64	16	nigeria	nigeria	PROPN
framr-1727	64	17	plc	plc	PROPN
framr-1727	64	18	and	and	CCONJ
framr-1727	64	19	unipetrol	unipetrol	PROPN
framr-1727	64	20	plc	plc	PROPN
framr-1727	64	21	to	to	PART
framr-1727	64	22	form	form	VERB
framr-1727	64	23	oando	oando	PROPN
framr-1727	64	24	plc	plc	PROPN
framr-1727	64	25	(	(	PUNCT
framr-1727	64	26	ogbochie	ogbochie	NOUN
framr-1727	64	27	,	,	PUNCT
framr-1727	64	28	2011	2011	NUM
framr-1727	64	29	)	)	PUNCT
framr-1727	64	30	.	.	PUNCT
framr-1727	65	1	the	the	DET
framr-1727	65	2	economic	economic	ADJ
framr-1727	65	3	recession	recession	NOUN
framr-1727	65	4	and	and	CCONJ
framr-1727	65	5	challenges	challenge	NOUN
framr-1727	65	6	faced	face	VERB
framr-1727	65	7	by	by	ADP
framr-1727	65	8	nigeria	nigeria	PROPN
framr-1727	65	9	in	in	ADP
framr-1727	65	10	2016	2016	NUM
framr-1727	65	11	in	in	ADP
framr-1727	65	12	particular	particular	ADJ
framr-1727	65	13	slowed	slow	VERB
framr-1727	65	14	down	down	ADP
framr-1727	65	15	the	the	DET
framr-1727	65	16	tempo	tempo	NOUN
framr-1727	65	17	of	of	ADP
framr-1727	65	18	mergers	merger	NOUN
framr-1727	65	19	and	and	CCONJ
framr-1727	65	20	acquisitions	acquisition	NOUN
framr-1727	65	21	activities	activity	NOUN
framr-1727	65	22	in	in	ADP
framr-1727	65	23	nigeria	nigeria	PROPN
framr-1727	65	24	.	.	PUNCT
framr-1727	66	1	before	before	ADP
framr-1727	66	2	2016	2016	NUM
framr-1727	66	3	,	,	PUNCT
framr-1727	66	4	the	the	DET
framr-1727	66	5	mergers	merger	NOUN
framr-1727	66	6	and	and	CCONJ
framr-1727	66	7	acquisitions	acquisition	NOUN
framr-1727	66	8	activities	activity	NOUN
framr-1727	66	9	in	in	ADP
framr-1727	66	10	nigeria	nigeria	PROPN
framr-1727	66	11	were	be	AUX
framr-1727	66	12	remarkable	remarkable	ADJ
framr-1727	66	13	.	.	PUNCT
framr-1727	67	1	for	for	ADP
framr-1727	67	2	instance	instance	NOUN
framr-1727	67	3	,	,	PUNCT
framr-1727	67	4	according	accord	VERB
framr-1727	67	5	to	to	ADP
framr-1727	67	6	egwuatu	egwuatu	PROPN
framr-1727	67	7	(	(	PUNCT
framr-1727	67	8	2015	2015	NUM
framr-1727	67	9	)	)	PUNCT
framr-1727	67	10	nigerian	nigerian	PROPN
framr-1727	67	11	breweries	breweries	PROPN
framr-1727	67	12	plc	plc	PROPN
framr-1727	67	13	confirmed	confirm	VERB
framr-1727	67	14	that	that	SCONJ
framr-1727	67	15	its	its	PRON
framr-1727	67	16	merger	merger	NOUN
framr-1727	67	17	with	with	ADP
framr-1727	67	18	consolidated	consolidated	PROPN
framr-1727	67	19	breweries	brewery	NOUN
framr-1727	67	20	plc	plc	PROPN
framr-1727	67	21	had	have	AUX
framr-1727	67	22	been	be	AUX
framr-1727	67	23	finalized	finalize	VERB
framr-1727	67	24	.	.	PUNCT
framr-1727	68	1	also	also	ADV
framr-1727	68	2	shareholders	shareholder	NOUN
framr-1727	68	3	of	of	ADP
framr-1727	68	4	lafarge	lafarge	PROPN
framr-1727	68	5	wamco	wamco	PROPN
framr-1727	68	6	approved	approve	VERB
framr-1727	68	7	a	a	DET
framr-1727	68	8	$	$	SYM
framr-1727	68	9	1.35billion	1.35billion	NOUN
framr-1727	68	10	deal	deal	NOUN
framr-1727	68	11	combining	combine	VERB
framr-1727	68	12	its	its	PRON
framr-1727	68	13	nigerian	nigerian	ADJ
framr-1727	68	14	businesses	business	NOUN
framr-1727	68	15	with	with	ADP
framr-1727	68	16	lafarge	lafarge	PROPN
framr-1727	68	17	south	south	PROPN
framr-1727	68	18	africa	africa	PROPN
framr-1727	68	19	.	.	PUNCT
framr-1727	69	1	the	the	DET
framr-1727	69	2	new	new	ADJ
framr-1727	69	3	entity	entity	NOUN
framr-1727	69	4	would	would	AUX
framr-1727	69	5	be	be	AUX
framr-1727	69	6	called	call	VERB
framr-1727	69	7	lafarge	lafarge	PROPN
framr-1727	69	8	africa	africa	PROPN
framr-1727	69	9	plc	plc	PROPN
framr-1727	69	10	.	.	PUNCT
framr-1727	70	1	according	accord	VERB
framr-1727	70	2	to	to	ADP
framr-1727	70	3	chima	chima	PROPN
framr-1727	70	4	(	(	PUNCT
framr-1727	70	5	2013	2013	NUM
framr-1727	70	6	)	)	PUNCT
framr-1727	70	7	kpmg	kpmg	PROPN
framr-1727	70	8	consulting	consulting	NOUN
framr-1727	70	9	reported	report	VERB
framr-1727	70	10	that	that	SCONJ
framr-1727	70	11	,	,	PUNCT
framr-1727	70	12	mergers	merger	NOUN
framr-1727	70	13	and	and	CCONJ
framr-1727	70	14	acquisitions	acquisition	NOUN
framr-1727	70	15	(	(	PUNCT
framr-1727	70	16	m&as	m&as	NOUN
framr-1727	70	17	)	)	PUNCT
framr-1727	70	18	in	in	ADP
framr-1727	70	19	nigeria	nigeria	PROPN
framr-1727	70	20	for	for	ADP
framr-1727	70	21	2012	2012	NUM
framr-1727	70	22	was	be	AUX
framr-1727	70	23	worth	worth	ADJ
framr-1727	70	24	$	$	SYM
framr-1727	70	25	7.415	7.415	NUM
framr-1727	70	26	billion	billion	NUM
framr-1727	70	27	–	–	PUNCT
framr-1727	70	28	a	a	DET
framr-1727	70	29	379	379	NUM
framr-1727	70	30	percent	percent	NOUN
framr-1727	70	31	rise	rise	NOUN
framr-1727	70	32	from	from	ADP
framr-1727	70	33	2011	2011	NUM
framr-1727	70	34	’s	’s	PART
framr-1727	70	35	figure	figure	NOUN
framr-1727	70	36	of	of	ADP
framr-1727	70	37	$	$	SYM
framr-1727	70	38	1.548	1.548	NUM
framr-1727	70	39	billion	billion	NUM
framr-1727	70	40	.	.	PUNCT
framr-1727	71	1	however	however	ADV
framr-1727	71	2	it	it	PRON
framr-1727	71	3	may	may	AUX
framr-1727	71	4	be	be	AUX
framr-1727	71	5	noted	note	VERB
framr-1727	71	6	that	that	SCONJ
framr-1727	71	7	it	it	PRON
framr-1727	71	8	was	be	AUX
framr-1727	71	9	the	the	DET
framr-1727	71	10	2004/2005	2004/2005	NUM
framr-1727	71	11	regulatory	regulatory	ADJ
framr-1727	71	12	induced	induce	VERB
framr-1727	71	13	banking	banking	NOUN
framr-1727	71	14	consolidation	consolidation	NOUN
framr-1727	71	15	that	that	PRON
framr-1727	71	16	popularized	popularize	VERB
framr-1727	71	17	the	the	DET
framr-1727	71	18	concept	concept	NOUN
framr-1727	71	19	of	of	ADP
framr-1727	71	20	mergers	merger	NOUN
framr-1727	71	21	and	and	CCONJ
framr-1727	71	22	acquisitions	acquisition	NOUN
framr-1727	71	23	in	in	ADP
framr-1727	71	24	nigeria	nigeria	PROPN
framr-1727	71	25	(	(	PUNCT
framr-1727	71	26	ogbochie	ogbochie	NOUN
framr-1727	71	27	,	,	PUNCT
framr-1727	71	28	2011	2011	NUM
framr-1727	71	29	)	)	PUNCT
framr-1727	71	30	.	.	PUNCT
framr-1727	72	1	3	3	X
framr-1727	72	2	.	.	X
framr-1727	72	3	review	review	NOUN
framr-1727	72	4	of	of	ADP
framr-1727	72	5	the	the	DET
framr-1727	72	6	nigerian	nigerian	ADJ
framr-1727	72	7	banking	banking	NOUN
framr-1727	72	8	system	system	NOUN
framr-1727	72	9	before	before	ADP
framr-1727	72	10	the	the	DET
framr-1727	72	11	2004/2005	2004/2005	NUM
framr-1727	72	12	mergers	merger	NOUN
framr-1727	72	13	and	and	CCONJ
framr-1727	72	14	acquisitions	acquisition	NOUN
framr-1727	72	15	a	a	DET
framr-1727	72	16	review	review	NOUN
framr-1727	72	17	of	of	ADP
framr-1727	72	18	the	the	DET
framr-1727	72	19	period	period	NOUN
framr-1727	72	20	before	before	SCONJ
framr-1727	72	21	the	the	DET
framr-1727	72	22	2004/2005	2004/2005	NUM
framr-1727	72	23	bank	bank	NOUN
framr-1727	72	24	consolidation	consolidation	NOUN
framr-1727	72	25	makes	make	VERB
framr-1727	72	26	for	for	ADP
framr-1727	72	27	better	well	ADJ
framr-1727	72	28	appreciation	appreciation	NOUN
framr-1727	72	29	of	of	ADP
framr-1727	72	30	factors	factor	NOUN
framr-1727	72	31	that	that	PRON
framr-1727	72	32	necessitated	necessitate	VERB
framr-1727	72	33	the	the	DET
framr-1727	72	34	employment	employment	NOUN
framr-1727	72	35	of	of	ADP
framr-1727	72	36	mergers	merger	NOUN
framr-1727	72	37	and	and	CCONJ
framr-1727	72	38	acquisitions	acquisition	NOUN
framr-1727	72	39	in	in	ADP
framr-1727	72	40	the	the	DET
framr-1727	72	41	nigerian	nigerian	ADJ
framr-1727	72	42	banking	banking	NOUN
framr-1727	72	43	sector	sector	NOUN
framr-1727	72	44	meanwhile	meanwhile	ADV
framr-1727	72	45	,	,	PUNCT
framr-1727	72	46	evolution	evolution	NOUN
framr-1727	72	47	of	of	ADP
framr-1727	72	48	banking	banking	NOUN
framr-1727	72	49	in	in	ADP
framr-1727	72	50	nigeria	nigeria	PROPN
framr-1727	72	51	may	may	AUX
framr-1727	72	52	be	be	AUX
framr-1727	72	53	traced	trace	VERB
framr-1727	72	54	through	through	ADP
framr-1727	72	55	phases	phase	NOUN
framr-1727	72	56	covering	cover	VERB
framr-1727	72	57	an	an	DET
framr-1727	72	58	era	era	NOUN
framr-1727	72	59	of	of	ADP
framr-1727	72	60	free	free	ADJ
framr-1727	72	61	banking	banking	NOUN
framr-1727	72	62	to	to	ADP
framr-1727	72	63	the	the	DET
framr-1727	72	64	era	era	NOUN
framr-1727	72	65	of	of	ADP
framr-1727	72	66	strict	strict	ADJ
framr-1727	72	67	regulations	regulation	NOUN
framr-1727	72	68	.	.	PUNCT
framr-1727	73	1	however	however	ADV
framr-1727	73	2	,	,	PUNCT
framr-1727	73	3	in	in	ADP
framr-1727	73	4	nzotta	nzotta	NOUN
framr-1727	73	5	(	(	PUNCT
framr-1727	73	6	2014	2014	NUM
framr-1727	73	7	)	)	PUNCT
framr-1727	73	8	view	view	NOUN
framr-1727	73	9	,	,	PUNCT
framr-1727	73	10	evolution	evolution	NOUN
framr-1727	73	11	of	of	ADP
framr-1727	73	12	modern	modern	ADJ
framr-1727	73	13	banking	banking	NOUN
framr-1727	73	14	in	in	ADP
framr-1727	73	15	nigeria	nigeria	PROPN
framr-1727	73	16	could	could	AUX
framr-1727	73	17	also	also	ADV
framr-1727	73	18	be	be	AUX
framr-1727	73	19	classified	classify	VERB
framr-1727	73	20	into	into	ADP
framr-1727	73	21	ten	ten	NUM
framr-1727	73	22	different	different	ADJ
framr-1727	73	23	phases	phase	NOUN
framr-1727	73	24	as	as	SCONJ
framr-1727	73	25	shown	show	VERB
framr-1727	73	26	in	in	ADP
framr-1727	73	27	table	table	NOUN
framr-1727	73	28	1below	1below	PROPN
framr-1727	73	29	.	.	PUNCT
framr-1727	74	1	table-1	table-1	NUM
framr-1727	74	2	.	.	PUNCT
framr-1727	75	1	evolution	evolution	NOUN
framr-1727	75	2	of	of	ADP
framr-1727	75	3	banking	banking	NOUN
framr-1727	75	4	in	in	ADP
framr-1727	75	5	nigeria	nigeria	PROPN
framr-1727	75	6	phase	phase	NOUN
framr-1727	75	7	date	date	NOUN
framr-1727	75	8	era	era	NOUN
framr-1727	75	9	first	first	ADV
framr-1727	75	10	up	up	ADP
framr-1727	75	11	to	to	ADP
framr-1727	75	12	1952	1952	NUM
framr-1727	75	13	free	free	ADJ
framr-1727	75	14	banking	banking	NOUN
framr-1727	75	15	era	era	NOUN
framr-1727	75	16	second	second	ADJ
framr-1727	75	17	1952	1952	NUM
framr-1727	75	18	-	-	SYM
framr-1727	75	19	1959	1959	NUM
framr-1727	75	20	pre	pre	VERB
framr-1727	75	21	central	central	ADJ
framr-1727	75	22	banking	banking	NOUN
framr-1727	75	23	era	era	NOUN
framr-1727	75	24	third	third	ADJ
framr-1727	75	25	1959	1959	NUM
framr-1727	75	26	-	-	SYM
framr-1727	75	27	1970	1970	NUM
framr-1727	75	28	banking	banking	NOUN
framr-1727	75	29	legislation	legislation	NOUN
framr-1727	75	30	era	era	NOUN
framr-1727	75	31	fourth	fourth	ADJ
framr-1727	75	32	1970	1970	NUM
framr-1727	75	33	-	-	SYM
framr-1727	75	34	1976	1976	NUM
framr-1727	75	35	indigenization	indigenization	NOUN
framr-1727	75	36	era	era	NOUN
framr-1727	75	37	fifth	fifth	ADJ
framr-1727	75	38	1977	1977	NUM
framr-1727	75	39	-	-	SYM
framr-1727	75	40	1985	1985	NUM
framr-1727	75	41	post	post	NOUN
framr-1727	75	42	okigbo	okigbo	PROPN
framr-1727	75	43	era	era	NOUN
framr-1727	75	44	sixth	sixth	ADJ
framr-1727	75	45	1986	1986	NUM
framr-1727	75	46	-	-	SYM
framr-1727	75	47	1992	1992	NUM
framr-1727	75	48	deregulation	deregulation	NOUN
framr-1727	75	49	era	era	NOUN
framr-1727	75	50	seventh	seventh	ADJ
framr-1727	75	51	1993	1993	NUM
framr-1727	75	52	-	-	SYM
framr-1727	75	53	2001	2001	NUM
framr-1727	75	54	era	era	NOUN
framr-1727	75	55	of	of	ADP
framr-1727	75	56	banking	banking	NOUN
framr-1727	75	57	distress	distress	NOUN
framr-1727	75	58	eighth	eighth	ADJ
framr-1727	75	59	2002	2002	NUM
framr-1727	75	60	-	-	SYM
framr-1727	75	61	2004	2004	NUM
framr-1727	75	62	universal	universal	ADJ
framr-1727	75	63	banking	banking	NOUN
framr-1727	75	64	era	era	NOUN
framr-1727	75	65	ninth	ninth	ADJ
framr-1727	75	66	2004	2004	NUM
framr-1727	75	67	-	-	SYM
framr-1727	75	68	2009	2009	NUM
framr-1727	75	69	bank	bank	NOUN
framr-1727	75	70	consolidation	consolidation	NOUN
framr-1727	75	71	era	era	NOUN
framr-1727	75	72	tenth	tenth	ADJ
framr-1727	75	73	2009	2009	NUM
framr-1727	75	74	-	-	PUNCT
framr-1727	75	75	date	date	NOUN
framr-1727	75	76	segregated	segregated	ADJ
framr-1727	75	77	banking	banking	NOUN
framr-1727	75	78	era	era	NOUN
framr-1727	75	79	source	source	NOUN
framr-1727	75	80	:	:	PUNCT
framr-1727	75	81	nzotta	nzotta	PROPN
framr-1727	75	82	(	(	PUNCT
framr-1727	75	83	2014	2014	NUM
framr-1727	75	84	)	)	PUNCT
framr-1727	75	85	financial	financial	ADJ
framr-1727	75	86	risk	risk	NOUN
framr-1727	75	87	and	and	CCONJ
framr-1727	75	88	management	management	NOUN
framr-1727	75	89	reviews	review	NOUN
framr-1727	75	90	,	,	PUNCT
framr-1727	75	91	2018	2018	NUM
framr-1727	75	92	,	,	PUNCT
framr-1727	75	93	4(1	4(1	NOUN
framr-1727	75	94	):	):	PUNCT
framr-1727	75	95	34	34	NUM
framr-1727	75	96	-	-	SYM
framr-1727	75	97	48	48	NUM
framr-1727	75	98	37	37	NUM
framr-1727	75	99	©	©	PROPN
framr-1727	75	100	2018	2018	NUM
framr-1727	75	101	conscientia	conscientia	PROPN
framr-1727	75	102	beam	beam	PROPN
framr-1727	75	103	.	.	PUNCT
framr-1727	76	1	all	all	DET
framr-1727	76	2	rights	right	NOUN
framr-1727	76	3	reserved	reserve	VERB
framr-1727	76	4	.	.	PUNCT
framr-1727	77	1	according	accord	VERB
framr-1727	77	2	to	to	ADP
framr-1727	77	3	appah	appah	PROPN
framr-1727	77	4	and	and	CCONJ
framr-1727	77	5	john	john	PROPN
framr-1727	77	6	(	(	PUNCT
framr-1727	77	7	2011	2011	NUM
framr-1727	77	8	)	)	PUNCT
framr-1727	77	9	the	the	DET
framr-1727	77	10	evolution	evolution	NOUN
framr-1727	77	11	is	be	AUX
framr-1727	77	12	seen	see	VERB
framr-1727	77	13	via	via	ADP
framr-1727	77	14	the	the	DET
framr-1727	77	15	following	follow	VERB
framr-1727	77	16	phases	phase	NOUN
framr-1727	77	17	:	:	PUNCT
framr-1727	77	18	embryonic	embryonic	ADJ
framr-1727	77	19	,	,	PUNCT
framr-1727	77	20	expansion	expansion	NOUN
framr-1727	77	21	,	,	PUNCT
framr-1727	77	22	consolidation	consolidation	NOUN
framr-1727	77	23	/	/	SYM
framr-1727	77	24	reform	reform	NOUN
framr-1727	77	25	and	and	CCONJ
framr-1727	77	26	post	post	VERB
framr-1727	77	27	consolidation	consolidation	NOUN
framr-1727	77	28	era	era	NOUN
framr-1727	77	29	.	.	PUNCT
framr-1727	78	1	the	the	DET
framr-1727	78	2	embryonic	embryonic	ADJ
framr-1727	78	3	phase	phase	NOUN
framr-1727	78	4	dates	date	VERB
framr-1727	78	5	back	back	ADV
framr-1727	78	6	to	to	ADP
framr-1727	78	7	1892	1892	NUM
framr-1727	78	8	when	when	SCONJ
framr-1727	78	9	the	the	DET
framr-1727	78	10	african	african	ADJ
framr-1727	78	11	banking	banking	NOUN
framr-1727	78	12	corporation	corporation	NOUN
framr-1727	78	13	of	of	ADP
framr-1727	78	14	south	south	PROPN
framr-1727	78	15	africa	africa	PROPN
framr-1727	78	16	established	establish	VERB
framr-1727	78	17	a	a	DET
framr-1727	78	18	branch	branch	NOUN
framr-1727	78	19	in	in	ADP
framr-1727	78	20	lagos	lago	NOUN
framr-1727	78	21	followed	follow	VERB
framr-1727	78	22	by	by	ADP
framr-1727	78	23	the	the	DET
framr-1727	78	24	british	british	PROPN
framr-1727	78	25	bank	bank	PROPN
framr-1727	78	26	of	of	ADP
framr-1727	78	27	west	west	PROPN
framr-1727	78	28	africa	africa	PROPN
framr-1727	78	29	in	in	ADP
framr-1727	78	30	1894	1894	NUM
framr-1727	78	31	while	while	SCONJ
framr-1727	78	32	barclays	barclay	NOUN
framr-1727	78	33	bank	bank	PROPN
framr-1727	78	34	dco	dco	PROPN
framr-1727	78	35	(	(	PUNCT
framr-1727	78	36	dominion	dominion	NOUN
framr-1727	78	37	,	,	PUNCT
framr-1727	78	38	colonial	colonial	NOUN
framr-1727	78	39	and	and	CCONJ
framr-1727	78	40	overseas	overseas	ADV
framr-1727	78	41	)	)	PUNCT
framr-1727	78	42	and	and	CCONJ
framr-1727	78	43	the	the	DET
framr-1727	78	44	british	british	ADJ
framr-1727	78	45	and	and	CCONJ
framr-1727	78	46	french	french	ADJ
framr-1727	78	47	bank	bank	NOUN
framr-1727	78	48	were	be	AUX
framr-1727	78	49	established	establish	VERB
framr-1727	78	50	in	in	ADP
framr-1727	78	51	1925	1925	NUM
framr-1727	78	52	and	and	CCONJ
framr-1727	78	53	1949	1949	NUM
framr-1727	78	54	respectively	respectively	ADV
framr-1727	78	55	.	.	PUNCT
framr-1727	79	1	indigenous	indigenous	ADJ
framr-1727	79	2	banking	banking	NOUN
framr-1727	79	3	in	in	ADP
framr-1727	79	4	nigeria	nigeria	PROPN
framr-1727	79	5	commenced	commence	VERB
framr-1727	79	6	with	with	ADP
framr-1727	79	7	the	the	DET
framr-1727	79	8	establishment	establishment	NOUN
framr-1727	79	9	of	of	ADP
framr-1727	79	10	national	national	PROPN
framr-1727	79	11	bank	bank	PROPN
framr-1727	79	12	of	of	ADP
framr-1727	79	13	nigeria	nigeria	PROPN
framr-1727	79	14	limited	limit	VERB
framr-1727	79	15	in	in	ADP
framr-1727	79	16	1933	1933	NUM
framr-1727	79	17	,	,	PUNCT
framr-1727	79	18	agnonmagbe	agnonmagbe	VERB
framr-1727	79	19	bank	bank	PROPN
framr-1727	79	20	limited	limit	VERB
framr-1727	79	21	in	in	ADP
framr-1727	79	22	1945	1945	NUM
framr-1727	79	23	and	and	CCONJ
framr-1727	79	24	the	the	DET
framr-1727	79	25	african	african	PROPN
framr-1727	79	26	development	development	PROPN
framr-1727	79	27	bank	bank	PROPN
framr-1727	79	28	limited	limit	VERB
framr-1727	79	29	in	in	ADP
framr-1727	79	30	1948	1948	NUM
framr-1727	79	31	.	.	PUNCT
framr-1727	80	1	the	the	DET
framr-1727	80	2	expansion	expansion	NOUN
framr-1727	80	3	era	era	NOUN
framr-1727	80	4	commenced	commence	VERB
framr-1727	80	5	with	with	ADP
framr-1727	80	6	the	the	DET
framr-1727	80	7	establishment	establishment	NOUN
framr-1727	80	8	of	of	ADP
framr-1727	80	9	rural	rural	ADJ
framr-1727	80	10	banking	banking	NOUN
framr-1727	80	11	scheme	scheme	NOUN
framr-1727	80	12	in	in	ADP
framr-1727	80	13	1977	1977	NUM
framr-1727	80	14	,	,	PUNCT
framr-1727	80	15	peoples	people	NOUN
framr-1727	80	16	bank	bank	NOUN
framr-1727	80	17	in	in	ADP
framr-1727	80	18	1989	1989	NUM
framr-1727	80	19	and	and	CCONJ
framr-1727	80	20	community	community	NOUN
framr-1727	80	21	banks	bank	NOUN
framr-1727	80	22	in	in	ADP
framr-1727	80	23	1990	1990	NUM
framr-1727	80	24	.	.	PUNCT
framr-1727	81	1	the	the	DET
framr-1727	81	2	consolidation	consolidation	NOUN
framr-1727	81	3	phase	phase	NOUN
framr-1727	81	4	began	begin	VERB
framr-1727	81	5	with	with	ADP
framr-1727	81	6	the	the	DET
framr-1727	81	7	in	in	ADP
framr-1727	81	8	2004/2005	2004/2005	NUM
framr-1727	81	9	mergers	merger	NOUN
framr-1727	81	10	and	and	CCONJ
framr-1727	81	11	acquisitions	acquisition	NOUN
framr-1727	81	12	of	of	ADP
framr-1727	81	13	banks	bank	NOUN
framr-1727	81	14	which	which	PRON
framr-1727	81	15	trimmed	trim	VERB
framr-1727	81	16	the	the	DET
framr-1727	81	17	number	number	NOUN
framr-1727	81	18	of	of	ADP
framr-1727	81	19	banks	bank	NOUN
framr-1727	81	20	89	89	NUM
framr-1727	81	21	to	to	PART
framr-1727	81	22	25	25	NUM
framr-1727	81	23	.	.	PUNCT
framr-1727	82	1	the	the	DET
framr-1727	82	2	post	post	ADJ
framr-1727	82	3	-	-	ADJ
framr-1727	82	4	consolidation	consolidation	NOUN
framr-1727	82	5	kicked	kick	VERB
framr-1727	82	6	off	off	ADP
framr-1727	82	7	with	with	ADP
framr-1727	82	8	the	the	DET
framr-1727	82	9	quest	quest	NOUN
framr-1727	82	10	of	of	ADP
framr-1727	82	11	the	the	DET
framr-1727	82	12	nigerian	nigerian	ADJ
framr-1727	82	13	banks	bank	NOUN
framr-1727	82	14	to	to	PART
framr-1727	82	15	assume	assume	VERB
framr-1727	82	16	the	the	DET
framr-1727	82	17	status	status	NOUN
framr-1727	82	18	of	of	ADP
framr-1727	82	19	mega	mega	ADJ
framr-1727	82	20	and	and	CCONJ
framr-1727	82	21	pan	pan	ADJ
framr-1727	82	22	-	-	ADJ
framr-1727	82	23	african	african	ADJ
framr-1727	82	24	banks	bank	NOUN
framr-1727	82	25	via	via	ADP
framr-1727	82	26	cross	cross	NOUN
framr-1727	82	27	border	border	NOUN
framr-1727	82	28	expansion	expansion	NOUN
framr-1727	82	29	and	and	CCONJ
framr-1727	82	30	penetration	penetration	NOUN
framr-1727	82	31	.	.	PUNCT
framr-1727	83	1	the	the	DET
framr-1727	83	2	expansion	expansion	NOUN
framr-1727	83	3	phase	phase	NOUN
framr-1727	83	4	was	be	AUX
framr-1727	83	5	a	a	DET
framr-1727	83	6	bag	bag	NOUN
framr-1727	83	7	of	of	ADP
framr-1727	83	8	mixed	mixed	ADJ
framr-1727	83	9	blessings	blessing	NOUN
framr-1727	83	10	for	for	ADP
framr-1727	83	11	the	the	DET
framr-1727	83	12	nigerian	nigerian	ADJ
framr-1727	83	13	banking	banking	NOUN
framr-1727	83	14	sector	sector	NOUN
framr-1727	83	15	because	because	SCONJ
framr-1727	83	16	of	of	ADP
framr-1727	83	17	the	the	DET
framr-1727	83	18	crises	crisis	NOUN
framr-1727	83	19	that	that	PRON
framr-1727	83	20	followed	follow	VERB
framr-1727	83	21	it	it	PRON
framr-1727	83	22	.	.	PUNCT
framr-1727	84	1	during	during	ADP
framr-1727	84	2	the	the	DET
framr-1727	84	3	mid	mid	ADJ
framr-1727	84	4	1990s	1990	NOUN
framr-1727	84	5	,	,	PUNCT
framr-1727	84	6	there	there	PRON
framr-1727	84	7	was	be	VERB
framr-1727	84	8	growth	growth	NOUN
framr-1727	84	9	in	in	ADP
framr-1727	84	10	the	the	DET
framr-1727	84	11	number	number	NOUN
framr-1727	84	12	of	of	ADP
framr-1727	84	13	banks	bank	NOUN
framr-1727	84	14	and	and	CCONJ
framr-1727	84	15	in	in	ADP
framr-1727	84	16	addition	addition	NOUN
framr-1727	84	17	to	to	ADP
framr-1727	84	18	that	that	PRON
framr-1727	84	19	,	,	PUNCT
framr-1727	84	20	the	the	DET
framr-1727	84	21	financial	financial	ADJ
framr-1727	84	22	sector	sector	NOUN
framr-1727	84	23	witnessed	witness	VERB
framr-1727	84	24	the	the	DET
framr-1727	84	25	boom	boom	NOUN
framr-1727	84	26	and	and	CCONJ
framr-1727	84	27	bust	bust	ADJ
framr-1727	84	28	cycle	cycle	NOUN
framr-1727	84	29	,	,	PUNCT
framr-1727	84	30	which	which	PRON
framr-1727	84	31	was	be	AUX
framr-1727	84	32	characterized	characterize	VERB
framr-1727	84	33	by	by	ADP
framr-1727	84	34	financial	financial	ADJ
framr-1727	84	35	liberalization	liberalization	NOUN
framr-1727	84	36	with	with	ADP
framr-1727	84	37	deregulation	deregulation	NOUN
framr-1727	84	38	of	of	ADP
framr-1727	84	39	interest	interest	NOUN
framr-1727	84	40	rate	rate	NOUN
framr-1727	84	41	and	and	CCONJ
framr-1727	84	42	the	the	DET
framr-1727	84	43	loosening	loosening	NOUN
framr-1727	84	44	of	of	ADP
framr-1727	84	45	credit	credit	NOUN
framr-1727	84	46	allocation	allocation	NOUN
framr-1727	84	47	quotas	quota	NOUN
framr-1727	84	48	.	.	PUNCT
framr-1727	85	1	consequently	consequently	ADV
framr-1727	85	2	,	,	PUNCT
framr-1727	85	3	there	there	PRON
framr-1727	85	4	came	come	VERB
framr-1727	85	5	the	the	DET
framr-1727	85	6	emergence	emergence	NOUN
framr-1727	85	7	of	of	ADP
framr-1727	85	8	massive	massive	ADJ
framr-1727	85	9	entry	entry	NOUN
framr-1727	85	10	of	of	ADP
framr-1727	85	11	new	new	ADJ
framr-1727	85	12	banks	bank	NOUN
framr-1727	85	13	with	with	ADP
framr-1727	85	14	specialized	specialize	VERB
framr-1727	85	15	in	in	ADP
framr-1727	85	16	foreign	foreign	ADJ
framr-1727	85	17	exchange	exchange	NOUN
framr-1727	85	18	operations	operation	NOUN
framr-1727	85	19	and	and	CCONJ
framr-1727	85	20	taking	take	VERB
framr-1727	85	21	advantage	advantage	NOUN
framr-1727	85	22	of	of	ADP
framr-1727	85	23	the	the	DET
framr-1727	85	24	price	price	NOUN
framr-1727	85	25	disparity	disparity	NOUN
framr-1727	85	26	between	between	ADP
framr-1727	85	27	official	official	ADJ
framr-1727	85	28	and	and	CCONJ
framr-1727	85	29	black	black	ADJ
framr-1727	85	30	market	market	NOUN
framr-1727	85	31	rates	rate	NOUN
framr-1727	85	32	(	(	PUNCT
framr-1727	85	33	ailemen	aileman	NOUN
framr-1727	85	34	and	and	CCONJ
framr-1727	85	35	oyero	oyero	PROPN
framr-1727	85	36	,	,	PUNCT
framr-1727	85	37	2013	2013	NUM
framr-1727	85	38	)	)	PUNCT
framr-1727	85	39	.	.	PUNCT
framr-1727	86	1	the	the	DET
framr-1727	86	2	banking	banking	NOUN
framr-1727	86	3	sector	sector	NOUN
framr-1727	86	4	then	then	ADV
framr-1727	86	5	was	be	AUX
framr-1727	86	6	characterized	characterize	VERB
framr-1727	86	7	by	by	ADP
framr-1727	86	8	distress	distress	NOUN
framr-1727	86	9	,	,	PUNCT
framr-1727	86	10	illiquidity	illiquidity	NOUN
framr-1727	86	11	,	,	PUNCT
framr-1727	86	12	board	board	NOUN
framr-1727	86	13	squabbles	squabble	NOUN
framr-1727	86	14	,	,	PUNCT
framr-1727	86	15	inside	inside	ADP
framr-1727	86	16	dealings	dealing	NOUN
framr-1727	86	17	and	and	CCONJ
framr-1727	86	18	fears	fear	NOUN
framr-1727	86	19	that	that	SCONJ
framr-1727	86	20	some	some	DET
framr-1727	86	21	banks	bank	NOUN
framr-1727	86	22	were	be	AUX
framr-1727	86	23	going	go	VERB
framr-1727	86	24	to	to	PART
framr-1727	86	25	be	be	AUX
framr-1727	86	26	liquidated	liquidate	VERB
framr-1727	86	27	and	and	CCONJ
framr-1727	86	28	a	a	DET
framr-1727	86	29	myriad	myriad	NOUN
framr-1727	86	30	of	of	ADP
framr-1727	86	31	challenges	challenge	NOUN
framr-1727	86	32	(	(	PUNCT
framr-1727	86	33	soludo	soludo	NOUN
framr-1727	86	34	,	,	PUNCT
framr-1727	86	35	2004	2004	NUM
framr-1727	86	36	;	;	PUNCT
framr-1727	86	37	afolabi	afolabi	NOUN
framr-1727	86	38	,	,	PUNCT
framr-1727	86	39	2011	2011	NUM
framr-1727	86	40	;	;	PUNCT
framr-1727	86	41	okpanachi	okpanachi	ADV
framr-1727	86	42	,	,	PUNCT
framr-1727	86	43	2011	2011	NUM
framr-1727	86	44	;	;	PUNCT
framr-1727	86	45	ugwuanyi	ugwuanyi	PROPN
framr-1727	86	46	,	,	PUNCT
framr-1727	86	47	2014	2014	NUM
framr-1727	86	48	)	)	PUNCT
framr-1727	86	49	.	.	PUNCT
framr-1727	87	1	the	the	DET
framr-1727	87	2	beginning	beginning	NOUN
framr-1727	87	3	of	of	ADP
framr-1727	87	4	the	the	DET
framr-1727	87	5	challenges	challenge	NOUN
framr-1727	87	6	could	could	AUX
framr-1727	87	7	be	be	AUX
framr-1727	87	8	traced	trace	VERB
framr-1727	87	9	to	to	ADP
framr-1727	87	10	the	the	DET
framr-1727	87	11	financial	financial	ADJ
framr-1727	87	12	deregulation	deregulation	NOUN
framr-1727	87	13	in	in	ADP
framr-1727	87	14	1987	1987	NUM
framr-1727	87	15	in	in	ADP
framr-1727	87	16	nigeria	nigeria	PROPN
framr-1727	87	17	subsequent	subsequent	ADJ
framr-1727	87	18	to	to	ADP
framr-1727	87	19	the	the	DET
framr-1727	87	20	adoption	adoption	NOUN
framr-1727	87	21	of	of	ADP
framr-1727	87	22	a	a	DET
framr-1727	87	23	structural	structural	ADJ
framr-1727	87	24	adjustment	adjustment	NOUN
framr-1727	87	25	program	program	NOUN
framr-1727	87	26	(	(	PUNCT
framr-1727	87	27	sap	sap	PROPN
framr-1727	87	28	)	)	PUNCT
framr-1727	87	29	in	in	ADP
framr-1727	87	30	1986	1986	NUM
framr-1727	87	31	.	.	PUNCT
framr-1727	88	1	the	the	DET
framr-1727	88	2	deregulation	deregulation	NOUN
framr-1727	88	3	brought	bring	VERB
framr-1727	88	4	about	about	ADP
framr-1727	88	5	high	high	ADJ
framr-1727	88	6	competition	competition	NOUN
framr-1727	88	7	in	in	ADP
framr-1727	88	8	terms	term	NOUN
framr-1727	88	9	of	of	ADP
framr-1727	88	10	size	size	NOUN
framr-1727	88	11	and	and	CCONJ
framr-1727	88	12	number	number	NOUN
framr-1727	88	13	of	of	ADP
framr-1727	88	14	banks	bank	NOUN
framr-1727	88	15	in	in	ADP
framr-1727	88	16	operation	operation	NOUN
framr-1727	88	17	.	.	PUNCT
framr-1727	89	1	however	however	ADV
framr-1727	89	2	,	,	PUNCT
framr-1727	89	3	the	the	DET
framr-1727	89	4	increased	increase	VERB
framr-1727	89	5	competition	competition	NOUN
framr-1727	89	6	,	,	PUNCT
framr-1727	89	7	amidst	amidst	ADP
framr-1727	89	8	political	political	ADJ
framr-1727	89	9	instability	instability	NOUN
framr-1727	89	10	and	and	CCONJ
framr-1727	89	11	financial	financial	ADJ
framr-1727	89	12	policy	policy	NOUN
framr-1727	89	13	inconsistencies	inconsistency	NOUN
framr-1727	89	14	on	on	ADP
framr-1727	89	15	the	the	DET
framr-1727	89	16	part	part	NOUN
framr-1727	89	17	of	of	ADP
framr-1727	89	18	the	the	DET
framr-1727	89	19	financial	financial	ADJ
framr-1727	89	20	regulators	regulator	NOUN
framr-1727	89	21	led	lead	VERB
framr-1727	89	22	to	to	ADP
framr-1727	89	23	rapid	rapid	ADJ
framr-1727	89	24	decline	decline	NOUN
framr-1727	89	25	in	in	ADP
framr-1727	89	26	profitability	profitability	NOUN
framr-1727	89	27	of	of	ADP
framr-1727	89	28	the	the	DET
framr-1727	89	29	traditional	traditional	ADJ
framr-1727	89	30	banking	banking	NOUN
framr-1727	89	31	activities	activity	NOUN
framr-1727	89	32	(	(	PUNCT
framr-1727	89	33	ailemen	aileman	NOUN
framr-1727	89	34	and	and	CCONJ
framr-1727	89	35	oyero	oyero	PROPN
framr-1727	89	36	,	,	PUNCT
framr-1727	89	37	2013	2013	NUM
framr-1727	89	38	)	)	PUNCT
framr-1727	89	39	.	.	PUNCT
framr-1727	90	1	thus	thus	ADV
framr-1727	90	2	,	,	PUNCT
framr-1727	90	3	in	in	ADP
framr-1727	90	4	a	a	DET
framr-1727	90	5	bid	bid	NOUN
framr-1727	90	6	to	to	PART
framr-1727	90	7	survive	survive	VERB
framr-1727	90	8	and	and	CCONJ
framr-1727	90	9	remain	remain	VERB
framr-1727	90	10	profitable	profitable	ADJ
framr-1727	90	11	in	in	ADP
framr-1727	90	12	the	the	DET
framr-1727	90	13	face	face	NOUN
framr-1727	90	14	of	of	ADP
framr-1727	90	15	political	political	ADJ
framr-1727	90	16	and	and	CCONJ
framr-1727	90	17	policy	policy	NOUN
framr-1727	90	18	instability	instability	NOUN
framr-1727	90	19	,	,	PUNCT
framr-1727	90	20	banks	bank	NOUN
framr-1727	90	21	started	start	VERB
framr-1727	90	22	taking	take	VERB
framr-1727	90	23	excessive	excessive	ADJ
framr-1727	90	24	risks	risk	NOUN
framr-1727	90	25	which	which	PRON
framr-1727	90	26	led	lead	VERB
framr-1727	90	27	to	to	ADP
framr-1727	90	28	frequent	frequent	ADJ
framr-1727	90	29	bank	bank	NOUN
framr-1727	90	30	failures	failure	NOUN
framr-1727	90	31	and	and	CCONJ
framr-1727	90	32	related	relate	VERB
framr-1727	90	33	financial	financial	ADJ
framr-1727	90	34	shocks	shock	NOUN
framr-1727	90	35	in	in	ADP
framr-1727	90	36	the	the	DET
framr-1727	90	37	economy	economy	NOUN
framr-1727	90	38	and	and	CCONJ
framr-1727	90	39	the	the	DET
framr-1727	90	40	country	country	NOUN
framr-1727	90	41	suggesting	suggest	VERB
framr-1727	90	42	an	an	DET
framr-1727	90	43	urgent	urgent	ADJ
framr-1727	90	44	call	call	NOUN
framr-1727	90	45	for	for	ADP
framr-1727	90	46	a	a	DET
framr-1727	90	47	well	well	ADV
framr-1727	90	48	thought	think	VERB
framr-1727	90	49	out	out	ADP
framr-1727	90	50	and	and	CCONJ
framr-1727	90	51	comprehensive	comprehensive	ADJ
framr-1727	90	52	policy	policy	NOUN
framr-1727	90	53	response	response	NOUN
framr-1727	90	54	.	.	PUNCT
framr-1727	91	1	4	4	X
framr-1727	91	2	.	.	X
framr-1727	91	3	the	the	DET
framr-1727	91	4	2005	2005	NUM
framr-1727	91	5	mergers	merger	NOUN
framr-1727	91	6	and	and	CCONJ
framr-1727	91	7	acquisitions	acquisition	NOUN
framr-1727	91	8	:	:	PUNCT
framr-1727	91	9	the	the	DET
framr-1727	91	10	cbn	cbn	PROPN
framr-1727	91	11	intervention	intervention	NOUN
framr-1727	91	12	the	the	DET
framr-1727	91	13	review	review	NOUN
framr-1727	91	14	of	of	ADP
framr-1727	91	15	genesis	genesis	NOUN
framr-1727	91	16	of	of	ADP
framr-1727	91	17	the	the	DET
framr-1727	91	18	challenges	challenge	NOUN
framr-1727	91	19	points	point	VERB
framr-1727	91	20	to	to	ADP
framr-1727	91	21	a	a	DET
framr-1727	91	22	serious	serious	ADJ
framr-1727	91	23	need	need	NOUN
framr-1727	91	24	for	for	ADP
framr-1727	91	25	government	government	NOUN
framr-1727	91	26	intervention	intervention	NOUN
framr-1727	91	27	in	in	ADP
framr-1727	91	28	the	the	DET
framr-1727	91	29	nigerian	nigerian	ADJ
framr-1727	91	30	banking	banking	NOUN
framr-1727	91	31	sector	sector	NOUN
framr-1727	91	32	.	.	PUNCT
framr-1727	92	1	consequently	consequently	ADV
framr-1727	92	2	,	,	PUNCT
framr-1727	92	3	consolidation	consolidation	NOUN
framr-1727	92	4	of	of	ADP
framr-1727	92	5	the	the	DET
framr-1727	92	6	banks	bank	NOUN
framr-1727	92	7	’	’	PART
framr-1727	92	8	operations	operation	NOUN
framr-1727	92	9	through	through	ADP
framr-1727	92	10	mergers	merger	NOUN
framr-1727	92	11	and	and	CCONJ
framr-1727	92	12	acquisitions	acquisition	NOUN
framr-1727	92	13	was	be	AUX
framr-1727	92	14	the	the	DET
framr-1727	92	15	preferred	preferred	ADJ
framr-1727	92	16	option	option	NOUN
framr-1727	92	17	.	.	PUNCT
framr-1727	93	1	the	the	DET
framr-1727	93	2	choice	choice	NOUN
framr-1727	93	3	of	of	ADP
framr-1727	93	4	mergers	merger	NOUN
framr-1727	93	5	and	and	CCONJ
framr-1727	93	6	acquisitions	acquisition	NOUN
framr-1727	93	7	was	be	AUX
framr-1727	93	8	based	base	VERB
framr-1727	93	9	inter	inter	ADJ
framr-1727	93	10	-	-	NOUN
framr-1727	93	11	alia	alia	ADJ
framr-1727	93	12	on	on	ADP
framr-1727	93	13	the	the	DET
framr-1727	93	14	fact	fact	NOUN
framr-1727	93	15	that	that	SCONJ
framr-1727	93	16	mergers	merger	NOUN
framr-1727	93	17	and	and	CCONJ
framr-1727	93	18	acquisitions	acquisition	NOUN
framr-1727	93	19	especially	especially	ADV
framr-1727	93	20	in	in	ADP
framr-1727	93	21	the	the	DET
framr-1727	93	22	banking	banking	NOUN
framr-1727	93	23	industry	industry	NOUN
framr-1727	93	24	have	have	AUX
framr-1727	93	25	enjoyed	enjoy	VERB
framr-1727	93	26	global	global	ADJ
framr-1727	93	27	acceptance	acceptance	NOUN
framr-1727	93	28	(	(	PUNCT
framr-1727	93	29	soludo	soludo	NOUN
framr-1727	93	30	,	,	PUNCT
framr-1727	93	31	2004	2004	NUM
framr-1727	93	32	)	)	PUNCT
framr-1727	93	33	.	.	PUNCT
framr-1727	94	1	soludo	soludo	PROPN
framr-1727	94	2	gave	give	VERB
framr-1727	94	3	instances	instance	NOUN
framr-1727	94	4	of	of	ADP
framr-1727	94	5	a	a	DET
framr-1727	94	6	merger	merger	NOUN
framr-1727	94	7	in	in	ADP
framr-1727	94	8	france	france	PROPN
framr-1727	94	9	in	in	ADP
framr-1727	94	10	1998	1998	NUM
framr-1727	94	11	that	that	PRON
framr-1727	94	12	resulted	result	VERB
framr-1727	94	13	in	in	ADP
framr-1727	94	14	a	a	DET
framr-1727	94	15	new	new	ADJ
framr-1727	94	16	bank	bank	NOUN
framr-1727	94	17	with	with	ADP
framr-1727	94	18	a	a	DET
framr-1727	94	19	capital	capital	NOUN
framr-1727	94	20	base	base	NOUN
framr-1727	94	21	of	of	ADP
framr-1727	94	22	us$688	us$688	ADJ
framr-1727	94	23	billion	billion	NUM
framr-1727	94	24	,	,	PUNCT
framr-1727	94	25	while	while	SCONJ
framr-1727	94	26	the	the	DET
framr-1727	94	27	merger	merger	NOUN
framr-1727	94	28	of	of	ADP
framr-1727	94	29	two	two	NUM
framr-1727	94	30	banks	bank	NOUN
framr-1727	94	31	in	in	ADP
framr-1727	94	32	germany	germany	PROPN
framr-1727	94	33	in	in	ADP
framr-1727	94	34	the	the	DET
framr-1727	94	35	same	same	ADJ
framr-1727	94	36	year	year	NOUN
framr-1727	94	37	created	create	VERB
framr-1727	94	38	the	the	DET
framr-1727	94	39	second	second	ADV
framr-1727	94	40	largest	large	ADJ
framr-1727	94	41	bank	bank	NOUN
framr-1727	94	42	in	in	ADP
framr-1727	94	43	germany	germany	PROPN
framr-1727	94	44	with	with	ADP
framr-1727	94	45	a	a	DET
framr-1727	94	46	capital	capital	NOUN
framr-1727	94	47	base	base	NOUN
framr-1727	94	48	of	of	ADP
framr-1727	94	49	us$541	us$541	PROPN
framr-1727	94	50	billion	billion	NUM
framr-1727	94	51	.	.	PUNCT
framr-1727	95	1	he	he	PRON
framr-1727	95	2	equally	equally	ADV
framr-1727	95	3	touched	touch	VERB
framr-1727	95	4	on	on	ADP
framr-1727	95	5	emerging	emerge	VERB
framr-1727	95	6	markets	market	NOUN
framr-1727	95	7	,	,	PUNCT
framr-1727	95	8	including	include	VERB
framr-1727	95	9	argentina	argentina	PROPN
framr-1727	95	10	,	,	PUNCT
framr-1727	95	11	brazil	brazil	PROPN
framr-1727	95	12	and	and	CCONJ
framr-1727	95	13	south	south	PROPN
framr-1727	95	14	korea	korea	PROPN
framr-1727	95	15	where	where	SCONJ
framr-1727	95	16	consolidation	consolidation	NOUN
framr-1727	95	17	had	have	AUX
framr-1727	95	18	also	also	ADV
framr-1727	95	19	become	become	VERB
framr-1727	95	20	prominent	prominent	ADJ
framr-1727	95	21	,	,	PUNCT
framr-1727	95	22	as	as	SCONJ
framr-1727	95	23	banks	bank	NOUN
framr-1727	95	24	strive	strive	VERB
framr-1727	95	25	to	to	PART
framr-1727	95	26	become	become	VERB
framr-1727	95	27	more	more	ADV
framr-1727	95	28	competitive	competitive	ADJ
framr-1727	95	29	and	and	CCONJ
framr-1727	95	30	resilient	resilient	ADJ
framr-1727	95	31	to	to	ADP
framr-1727	95	32	shocks	shock	NOUN
framr-1727	95	33	as	as	ADV
framr-1727	95	34	well	well	ADV
framr-1727	95	35	as	as	ADP
framr-1727	95	36	reposition	reposition	VERB
framr-1727	95	37	their	their	PRON
framr-1727	95	38	operations	operation	NOUN
framr-1727	95	39	to	to	PART
framr-1727	95	40	cope	cope	VERB
framr-1727	95	41	with	with	ADP
framr-1727	95	42	the	the	DET
framr-1727	95	43	challenges	challenge	NOUN
framr-1727	95	44	of	of	ADP
framr-1727	95	45	the	the	DET
framr-1727	95	46	increasingly	increasingly	ADV
framr-1727	95	47	globalized	globalize	VERB
framr-1727	95	48	banking	banking	NOUN
framr-1727	95	49	systems	system	NOUN
framr-1727	95	50	.	.	PUNCT
framr-1727	96	1	thus	thus	ADV
framr-1727	96	2	,	,	PUNCT
framr-1727	96	3	the	the	DET
framr-1727	96	4	2004/2005	2004/2005	NUM
framr-1727	96	5	mergers	merger	NOUN
framr-1727	96	6	and	and	CCONJ
framr-1727	96	7	acquisitions	acquisition	NOUN
framr-1727	96	8	wave	wave	NOUN
framr-1727	96	9	in	in	ADP
framr-1727	96	10	the	the	DET
framr-1727	96	11	nigerian	nigerian	ADJ
framr-1727	96	12	banking	banking	NOUN
framr-1727	96	13	industry(which	industry(which	PROPN
framr-1727	96	14	started	start	VERB
framr-1727	96	15	in	in	ADP
framr-1727	96	16	october	october	PROPN
framr-1727	96	17	,	,	PUNCT
framr-1727	96	18	2003	2003	NUM
framr-1727	96	19	under	under	ADP
framr-1727	96	20	professor	professor	PROPN
framr-1727	96	21	soludoa	soludoa	NOUN
framr-1727	96	22	former	former	ADJ
framr-1727	96	23	governor	governor	NOUN
framr-1727	96	24	of	of	ADP
framr-1727	96	25	central	central	PROPN
framr-1727	96	26	bank	bank	PROPN
framr-1727	96	27	of	of	ADP
framr-1727	96	28	nigeria	nigeria	PROPN
framr-1727	96	29	)	)	PUNCT
framr-1727	96	30	was	be	AUX
framr-1727	96	31	seen	see	VERB
framr-1727	96	32	as	as	ADP
framr-1727	96	33	the	the	DET
framr-1727	96	34	long	long	ADJ
framr-1727	96	35	awaited	await	VERB
framr-1727	96	36	fundamental	fundamental	ADJ
framr-1727	96	37	policy	policy	NOUN
framr-1727	96	38	response	response	NOUN
framr-1727	96	39	to	to	ADP
framr-1727	96	40	the	the	DET
framr-1727	96	41	numerous	numerous	ADJ
framr-1727	96	42	challenges	challenge	NOUN
framr-1727	96	43	confronting	confront	VERB
framr-1727	96	44	the	the	DET
framr-1727	96	45	banking	banking	NOUN
framr-1727	96	46	sector	sector	NOUN
framr-1727	96	47	in	in	ADP
framr-1727	96	48	nigeria	nigeria	PROPN
framr-1727	96	49	.	.	PUNCT
framr-1727	97	1	5	5	X
framr-1727	97	2	.	.	X
framr-1727	97	3	empirical	empirical	ADJ
framr-1727	97	4	review	review	VERB
framr-1727	97	5	boboye	boboye	PROPN
framr-1727	97	6	and	and	CCONJ
framr-1727	97	7	obisesan	obisesan	ADJ
framr-1727	97	8	(	(	PUNCT
framr-1727	97	9	2016	2016	NUM
framr-1727	97	10	)	)	PUNCT
framr-1727	97	11	evaluated	evaluate	VERB
framr-1727	97	12	the	the	DET
framr-1727	97	13	effect	effect	NOUN
framr-1727	97	14	of	of	ADP
framr-1727	97	15	mergers	merger	NOUN
framr-1727	97	16	and	and	CCONJ
framr-1727	97	17	acquisitions	acquisition	NOUN
framr-1727	97	18	on	on	ADP
framr-1727	97	19	the	the	DET
framr-1727	97	20	performance	performance	NOUN
framr-1727	97	21	of	of	ADP
framr-1727	97	22	selected	select	VERB
framr-1727	97	23	deposit	deposit	NOUN
framr-1727	97	24	money	money	NOUN
framr-1727	97	25	banks	bank	NOUN
framr-1727	97	26	in	in	ADP
framr-1727	97	27	nigeria	nigeria	PROPN
framr-1727	97	28	for	for	ADP
framr-1727	97	29	the	the	DET
framr-1727	97	30	period	period	NOUN
framr-1727	97	31	20012014	20012014	NUM
framr-1727	97	32	.	.	PUNCT
framr-1727	98	1	profit	profit	NOUN
framr-1727	98	2	after	after	ADP
framr-1727	98	3	tax	tax	NOUN
framr-1727	98	4	was	be	AUX
framr-1727	98	5	used	use	VERB
framr-1727	98	6	as	as	ADP
framr-1727	98	7	the	the	DET
framr-1727	98	8	independent	independent	ADJ
framr-1727	98	9	variable	variable	NOUN
framr-1727	98	10	while	while	SCONJ
framr-1727	98	11	shareholder	shareholder	NOUN
framr-1727	98	12	’s	’s	PART
framr-1727	98	13	fund	fund	NOUN
framr-1727	98	14	,	,	PUNCT
framr-1727	98	15	total	total	ADJ
framr-1727	98	16	asset	asset	NOUN
framr-1727	98	17	,	,	PUNCT
framr-1727	98	18	loan	loan	NOUN
framr-1727	98	19	and	and	CCONJ
framr-1727	98	20	advances	advance	NOUN
framr-1727	98	21	,	,	PUNCT
framr-1727	98	22	and	and	CCONJ
framr-1727	98	23	total	total	ADJ
framr-1727	98	24	deposit	deposit	NOUN
framr-1727	98	25	were	be	AUX
framr-1727	98	26	the	the	DET
framr-1727	98	27	explanatory	explanatory	ADJ
framr-1727	98	28	variables	variable	NOUN
framr-1727	98	29	.	.	PUNCT
framr-1727	99	1	the	the	DET
framr-1727	99	2	financial	financial	ADJ
framr-1727	99	3	risk	risk	NOUN
framr-1727	99	4	and	and	CCONJ
framr-1727	99	5	management	management	NOUN
framr-1727	99	6	reviews	review	NOUN
framr-1727	99	7	,	,	PUNCT
framr-1727	99	8	2018	2018	NUM
framr-1727	99	9	,	,	PUNCT
framr-1727	99	10	4(1	4(1	NOUN
framr-1727	99	11	):	):	PUNCT
framr-1727	99	12	34	34	NUM
framr-1727	99	13	-	-	SYM
framr-1727	99	14	48	48	NUM
framr-1727	99	15	38	38	NUM
framr-1727	99	16	©	©	PROPN
framr-1727	99	17	2018	2018	NUM
framr-1727	99	18	conscientia	conscientia	PROPN
framr-1727	99	19	beam	beam	PROPN
framr-1727	99	20	.	.	PUNCT
framr-1727	100	1	all	all	DET
framr-1727	100	2	rights	right	NOUN
framr-1727	100	3	reserved	reserve	VERB
framr-1727	100	4	.	.	PUNCT
framr-1727	101	1	error	error	NOUN
framr-1727	101	2	correction	correction	NOUN
framr-1727	101	3	model	model	NOUN
framr-1727	101	4	showed	show	VERB
framr-1727	101	5	that	that	SCONJ
framr-1727	101	6	long	long	ADJ
framr-1727	101	7	-	-	PUNCT
framr-1727	101	8	run	run	VERB
framr-1727	101	9	equilibrium	equilibrium	NOUN
framr-1727	101	10	relationship	relationship	NOUN
framr-1727	101	11	exits	exit	VERB
framr-1727	101	12	among	among	ADP
framr-1727	101	13	the	the	DET
framr-1727	101	14	variables	variable	NOUN
framr-1727	101	15	and	and	CCONJ
framr-1727	101	16	that	that	SCONJ
framr-1727	101	17	merger	merger	NOUN
framr-1727	101	18	and	and	CCONJ
framr-1727	101	19	acquisition	acquisition	NOUN
framr-1727	101	20	has	have	VERB
framr-1727	101	21	no	no	DET
framr-1727	101	22	significant	significant	ADJ
framr-1727	101	23	impact	impact	NOUN
framr-1727	101	24	on	on	ADP
framr-1727	101	25	banks	bank	NOUN
framr-1727	101	26	’	'	PUNCT
framr-1727	101	27	performance	performance	NOUN
framr-1727	101	28	of	of	ADP
framr-1727	101	29	the	the	DET
framr-1727	101	30	selected	select	VERB
framr-1727	101	31	banks	bank	NOUN
framr-1727	101	32	in	in	ADP
framr-1727	101	33	nigeria	nigeria	PROPN
framr-1727	101	34	.	.	PUNCT
framr-1727	102	1	njogo	njogo	PROPN
framr-1727	102	2	et	et	PROPN
framr-1727	102	3	al	al	PROPN
framr-1727	102	4	.	.	PUNCT
framr-1727	103	1	(	(	PUNCT
framr-1727	103	2	2016	2016	NUM
framr-1727	103	3	)	)	PUNCT
framr-1727	103	4	evaluated	evaluate	VERB
framr-1727	103	5	the	the	DET
framr-1727	103	6	impact	impact	NOUN
framr-1727	103	7	of	of	ADP
framr-1727	103	8	mergers	merger	NOUN
framr-1727	103	9	and	and	CCONJ
framr-1727	103	10	acquisitions	acquisition	NOUN
framr-1727	103	11	on	on	ADP
framr-1727	103	12	the	the	DET
framr-1727	103	13	performance	performance	NOUN
framr-1727	103	14	of	of	ADP
framr-1727	103	15	deposit	deposit	NOUN
framr-1727	103	16	money	money	NOUN
framr-1727	103	17	banks	bank	NOUN
framr-1727	103	18	in	in	ADP
framr-1727	103	19	nigeria	nigeria	PROPN
framr-1727	103	20	using	use	VERB
framr-1727	103	21	a	a	DET
framr-1727	103	22	sample	sample	NOUN
framr-1727	103	23	of	of	ADP
framr-1727	103	24	ten	ten	NUM
framr-1727	103	25	(	(	PUNCT
framr-1727	103	26	10	10	NUM
framr-1727	103	27	)	)	PUNCT
framr-1727	103	28	banks	bank	NOUN
framr-1727	103	29	.	.	PUNCT
framr-1727	104	1	secondary	secondary	ADJ
framr-1727	104	2	data	datum	NOUN
framr-1727	104	3	obtained	obtain	VERB
framr-1727	104	4	from	from	ADP
framr-1727	104	5	the	the	DET
framr-1727	104	6	bank	bank	NOUN
framr-1727	104	7	’s	’s	PART
framr-1727	104	8	annual	annual	ADJ
framr-1727	104	9	reports	report	NOUN
framr-1727	104	10	covering	cover	VERB
framr-1727	104	11	a	a	DET
framr-1727	104	12	period	period	NOUN
framr-1727	104	13	of	of	ADP
framr-1727	104	14	2001	2001	NUM
framr-1727	104	15	-	-	SYM
framr-1727	104	16	2010	2010	NUM
framr-1727	104	17	were	be	AUX
framr-1727	104	18	analyzed	analyze	VERB
framr-1727	104	19	using	use	VERB
framr-1727	104	20	paired	pair	VERB
framr-1727	104	21	t	t	NOUN
framr-1727	104	22	-	-	PUNCT
framr-1727	104	23	test	test	NOUN
framr-1727	104	24	.	.	PUNCT
framr-1727	105	1	the	the	DET
framr-1727	105	2	relevant	relevant	ADJ
framr-1727	105	3	variables	variable	NOUN
framr-1727	105	4	were	be	AUX
framr-1727	105	5	return	return	NOUN
framr-1727	105	6	on	on	ADP
framr-1727	105	7	assets	asset	NOUN
framr-1727	105	8	,	,	PUNCT
framr-1727	105	9	return	return	VERB
framr-1727	105	10	on	on	ADP
framr-1727	105	11	equity	equity	NOUN
framr-1727	105	12	,	,	PUNCT
framr-1727	105	13	net	net	ADJ
framr-1727	105	14	profit	profit	NOUN
framr-1727	105	15	margin	margin	NOUN
framr-1727	105	16	,	,	PUNCT
framr-1727	105	17	asset	asset	NOUN
framr-1727	105	18	utilization	utilization	NOUN
framr-1727	105	19	,	,	PUNCT
framr-1727	105	20	equity	equity	NOUN
framr-1727	105	21	multiplier	multipli	ADJ
framr-1727	105	22	,	,	PUNCT
framr-1727	105	23	earnings	earning	NOUN
framr-1727	105	24	per	per	ADP
framr-1727	105	25	share	share	NOUN
framr-1727	105	26	,	,	PUNCT
framr-1727	105	27	debt	debt	NOUN
framr-1727	105	28	equity	equity	NOUN
framr-1727	105	29	ratio	ratio	NOUN
framr-1727	105	30	,	,	PUNCT
framr-1727	105	31	debt	debt	NOUN
framr-1727	105	32	asset	asset	NOUN
framr-1727	105	33	ratio	ratio	NOUN
framr-1727	105	34	and	and	CCONJ
framr-1727	105	35	leverage	leverage	NOUN
framr-1727	105	36	ratio	ratio	NOUN
framr-1727	105	37	.	.	PUNCT
framr-1727	106	1	findings	finding	NOUN
framr-1727	106	2	showed	show	VERB
framr-1727	106	3	significant	significant	ADJ
framr-1727	106	4	positive	positive	ADJ
framr-1727	106	5	impact	impact	NOUN
framr-1727	106	6	with	with	ADP
framr-1727	106	7	respect	respect	NOUN
framr-1727	106	8	to	to	ADP
framr-1727	106	9	roa	roa	PROPN
framr-1727	106	10	,	,	PUNCT
framr-1727	106	11	roe	roe	PROPN
framr-1727	106	12	and	and	CCONJ
framr-1727	106	13	lr	lr	PROPN
framr-1727	106	14	but	but	CCONJ
framr-1727	106	15	displayed	display	VERB
framr-1727	106	16	no	no	DET
framr-1727	106	17	significant	significant	ADJ
framr-1727	106	18	impact	impact	NOUN
framr-1727	106	19	when	when	SCONJ
framr-1727	106	20	measured	measure	VERB
framr-1727	106	21	in	in	ADP
framr-1727	106	22	terms	term	NOUN
framr-1727	106	23	of	of	ADP
framr-1727	106	24	the	the	DET
framr-1727	106	25	other	other	ADJ
framr-1727	106	26	selected	select	VERB
framr-1727	106	27	variables	variable	NOUN
framr-1727	106	28	.	.	PUNCT
framr-1727	107	1	ugwuanyi	ugwuanyi	PROPN
framr-1727	107	2	(	(	PUNCT
framr-1727	107	3	2014	2014	NUM
framr-1727	107	4	)	)	PUNCT
framr-1727	107	5	used	use	VERB
framr-1727	107	6	aggregate	aggregate	ADJ
framr-1727	107	7	deposit	deposit	NOUN
framr-1727	107	8	liabilities	liability	NOUN
framr-1727	107	9	of	of	ADP
framr-1727	107	10	all	all	DET
framr-1727	107	11	the	the	DET
framr-1727	107	12	banks	bank	NOUN
framr-1727	107	13	in	in	ADP
framr-1727	107	14	nigeria	nigeria	PROPN
framr-1727	107	15	over	over	ADP
framr-1727	107	16	a	a	DET
framr-1727	107	17	period	period	NOUN
framr-1727	107	18	ten	ten	NUM
framr-1727	107	19	years	year	NOUN
framr-1727	107	20	(	(	PUNCT
framr-1727	107	21	2001	2001	NUM
framr-1727	107	22	to	to	ADP
framr-1727	107	23	2010	2010	NUM
framr-1727	107	24	)	)	PUNCT
framr-1727	107	25	.	.	PUNCT
framr-1727	108	1	the	the	DET
framr-1727	108	2	deposit	deposit	NOUN
framr-1727	108	3	liabilities	liability	NOUN
framr-1727	108	4	were	be	AUX
framr-1727	108	5	decomposed	decompose	VERB
framr-1727	108	6	to	to	ADP
framr-1727	108	7	their	their	PRON
framr-1727	108	8	individual	individual	ADJ
framr-1727	108	9	components	component	NOUN
framr-1727	108	10	of	of	ADP
framr-1727	108	11	time	time	NOUN
framr-1727	108	12	deposits	deposit	NOUN
framr-1727	108	13	,	,	PUNCT
framr-1727	108	14	demand	demand	NOUN
framr-1727	108	15	deposits	deposit	NOUN
framr-1727	108	16	and	and	CCONJ
framr-1727	108	17	savings	saving	NOUN
framr-1727	108	18	deposits	deposit	NOUN
framr-1727	108	19	.	.	PUNCT
framr-1727	109	1	to	to	PART
framr-1727	109	2	test	test	VERB
framr-1727	109	3	for	for	ADP
framr-1727	109	4	a	a	DET
framr-1727	109	5	significant	significant	ADJ
framr-1727	109	6	difference	difference	NOUN
framr-1727	109	7	the	the	DET
framr-1727	109	8	contributions	contribution	NOUN
framr-1727	109	9	of	of	ADP
framr-1727	109	10	the	the	DET
framr-1727	109	11	decomposed	decompose	VERB
framr-1727	109	12	deposit	deposit	NOUN
framr-1727	109	13	liability	liability	NOUN
framr-1727	109	14	of	of	ADP
framr-1727	109	15	demand	demand	NOUN
framr-1727	109	16	,	,	PUNCT
framr-1727	109	17	savings	saving	NOUN
framr-1727	109	18	and	and	CCONJ
framr-1727	109	19	fixed	fix	VERB
framr-1727	109	20	deposits	deposit	NOUN
framr-1727	109	21	to	to	ADP
framr-1727	109	22	the	the	DET
framr-1727	109	23	total	total	ADJ
framr-1727	109	24	deposit	deposit	NOUN
framr-1727	109	25	liability	liability	NOUN
framr-1727	109	26	of	of	ADP
framr-1727	109	27	the	the	DET
framr-1727	109	28	nigerian	nigerian	ADJ
framr-1727	109	29	banking	banking	NOUN
framr-1727	109	30	industry	industry	NOUN
framr-1727	109	31	were	be	AUX
framr-1727	109	32	evaluated	evaluate	VERB
framr-1727	109	33	for	for	ADP
framr-1727	109	34	pre	pre	ADJ
framr-1727	109	35	and	and	CCONJ
framr-1727	109	36	post	post	NOUN
framr-1727	109	37	performances	performance	NOUN
framr-1727	109	38	for	for	ADP
framr-1727	109	39	the	the	DET
framr-1727	109	40	nigerian	nigerian	ADJ
framr-1727	109	41	banking	banking	NOUN
framr-1727	109	42	industry	industry	NOUN
framr-1727	109	43	using	use	VERB
framr-1727	109	44	the	the	DET
framr-1727	109	45	parametric	parametric	ADJ
framr-1727	109	46	statistical	statistical	ADJ
framr-1727	109	47	pooled	pool	VERB
framr-1727	109	48	variance	variance	NOUN
framr-1727	109	49	t	t	PROPN
framr-1727	109	50	-	-	PUNCT
framr-1727	109	51	test	test	NOUN
framr-1727	109	52	model	model	NOUN
framr-1727	109	53	.	.	PUNCT
framr-1727	110	1	findings	finding	NOUN
framr-1727	110	2	revealed	reveal	VERB
framr-1727	110	3	that	that	SCONJ
framr-1727	110	4	though	though	SCONJ
framr-1727	110	5	there	there	PRON
framr-1727	110	6	was	be	VERB
framr-1727	110	7	no	no	DET
framr-1727	110	8	significant	significant	ADJ
framr-1727	110	9	difference	difference	NOUN
framr-1727	110	10	in	in	ADP
framr-1727	110	11	the	the	DET
framr-1727	110	12	contribution	contribution	NOUN
framr-1727	110	13	of	of	ADP
framr-1727	110	14	the	the	DET
framr-1727	110	15	demand	demand	NOUN
framr-1727	110	16	deposit	deposit	NOUN
framr-1727	110	17	to	to	ADP
framr-1727	110	18	the	the	DET
framr-1727	110	19	total	total	ADJ
framr-1727	110	20	deposit	deposit	NOUN
framr-1727	110	21	liability	liability	NOUN
framr-1727	110	22	of	of	ADP
framr-1727	110	23	the	the	DET
framr-1727	110	24	nigerian	nigerian	ADJ
framr-1727	110	25	banking	banking	NOUN
framr-1727	110	26	industry	industry	NOUN
framr-1727	110	27	after	after	ADP
framr-1727	110	28	the	the	DET
framr-1727	110	29	2005	2005	NUM
framr-1727	110	30	banking	banking	NOUN
framr-1727	110	31	sector	sector	NOUN
framr-1727	110	32	reform	reform	NOUN
framr-1727	110	33	,	,	PUNCT
framr-1727	110	34	significant	significant	ADJ
framr-1727	110	35	differences	difference	NOUN
framr-1727	110	36	were	be	AUX
framr-1727	110	37	observed	observe	VERB
framr-1727	110	38	in	in	ADP
framr-1727	110	39	contributions	contribution	NOUN
framr-1727	110	40	of	of	ADP
framr-1727	110	41	the	the	DET
framr-1727	110	42	time	time	NOUN
framr-1727	110	43	deposits	deposit	NOUN
framr-1727	110	44	and	and	CCONJ
framr-1727	110	45	savings	saving	NOUN
framr-1727	110	46	deposits	deposit	NOUN
framr-1727	110	47	to	to	PART
framr-1727	110	48	total	total	VERB
framr-1727	110	49	deposit	deposit	NOUN
framr-1727	110	50	liabilities	liability	NOUN
framr-1727	110	51	following	follow	VERB
framr-1727	110	52	the	the	DET
framr-1727	110	53	2005	2005	NUM
framr-1727	110	54	banking	banking	NOUN
framr-1727	110	55	reform	reform	NOUN
framr-1727	110	56	.	.	PUNCT
framr-1727	111	1	the	the	DET
framr-1727	111	2	study	study	NOUN
framr-1727	111	3	therefore	therefore	ADV
framr-1727	111	4	,	,	PUNCT
framr-1727	111	5	concluded	conclude	VERB
framr-1727	111	6	that	that	SCONJ
framr-1727	111	7	the	the	DET
framr-1727	111	8	2005	2005	NUM
framr-1727	111	9	banking	banking	NOUN
framr-1727	111	10	reform	reform	NOUN
framr-1727	111	11	had	have	AUX
framr-1727	111	12	restored	restore	VERB
framr-1727	111	13	public	public	ADJ
framr-1727	111	14	confidence	confidence	NOUN
framr-1727	111	15	in	in	ADP
framr-1727	111	16	the	the	DET
framr-1727	111	17	nigerian	nigerian	ADJ
framr-1727	111	18	banking	banking	NOUN
framr-1727	111	19	industry	industry	NOUN
framr-1727	111	20	.	.	PUNCT
framr-1727	112	1	olayinka	olayinka	PROPN
framr-1727	112	2	and	and	CCONJ
framr-1727	112	3	farouk	farouk	PROPN
framr-1727	112	4	(	(	PUNCT
framr-1727	112	5	2014	2014	NUM
framr-1727	112	6	)	)	PUNCT
framr-1727	112	7	evaluated	evaluate	VERB
framr-1727	112	8	the	the	DET
framr-1727	112	9	impact	impact	NOUN
framr-1727	112	10	of	of	ADP
framr-1727	112	11	consolidation	consolidation	NOUN
framr-1727	112	12	on	on	ADP
framr-1727	112	13	the	the	DET
framr-1727	112	14	performance	performance	NOUN
framr-1727	112	15	of	of	ADP
framr-1727	112	16	banks	bank	NOUN
framr-1727	112	17	in	in	ADP
framr-1727	112	18	nigeria	nigeria	PROPN
framr-1727	112	19	using	use	VERB
framr-1727	112	20	secondary	secondary	ADJ
framr-1727	112	21	data	datum	NOUN
framr-1727	112	22	obtained	obtain	VERB
framr-1727	112	23	on	on	ADP
framr-1727	112	24	four	four	NUM
framr-1727	112	25	banks	bank	NOUN
framr-1727	112	26	for	for	ADP
framr-1727	112	27	the	the	DET
framr-1727	112	28	period	period	NOUN
framr-1727	112	29	2000	2000	NUM
framr-1727	112	30	2011	2011	NUM
framr-1727	112	31	.	.	PUNCT
framr-1727	113	1	the	the	DET
framr-1727	113	2	findings	finding	NOUN
framr-1727	113	3	indicated	indicate	VERB
framr-1727	113	4	that	that	SCONJ
framr-1727	113	5	consolidation	consolidation	NOUN
framr-1727	113	6	has	have	VERB
framr-1727	113	7	significant	significant	ADJ
framr-1727	113	8	positive	positive	ADJ
framr-1727	113	9	impact	impact	NOUN
framr-1727	113	10	on	on	ADP
framr-1727	113	11	the	the	DET
framr-1727	113	12	performance	performance	NOUN
framr-1727	113	13	of	of	ADP
framr-1727	113	14	banks	bank	NOUN
framr-1727	113	15	in	in	ADP
framr-1727	113	16	nigeria	nigeria	PROPN
framr-1727	113	17	.	.	PUNCT
framr-1727	114	1	olugbenga	olugbenga	PROPN
framr-1727	114	2	and	and	CCONJ
framr-1727	114	3	olusola	olusola	PROPN
framr-1727	114	4	(	(	PUNCT
framr-1727	114	5	2014	2014	NUM
framr-1727	114	6	)	)	PUNCT
framr-1727	114	7	investigated	investigate	VERB
framr-1727	114	8	the	the	DET
framr-1727	114	9	synergistic	synergistic	ADJ
framr-1727	114	10	effect	effect	NOUN
framr-1727	114	11	of	of	ADP
framr-1727	114	12	the	the	DET
framr-1727	114	13	2005	2005	NUM
framr-1727	114	14	bank	bank	NOUN
framr-1727	114	15	mergers	merger	NOUN
framr-1727	114	16	and	and	CCONJ
framr-1727	114	17	acquisitions	acquisition	NOUN
framr-1727	114	18	in	in	ADP
framr-1727	114	19	nigerian	nigerian	ADJ
framr-1727	114	20	banking	banking	NOUN
framr-1727	114	21	industry	industry	NOUN
framr-1727	114	22	against	against	ADP
framr-1727	114	23	the	the	DET
framr-1727	114	24	position	position	NOUN
framr-1727	114	25	of	of	ADP
framr-1727	114	26	economic	economic	ADJ
framr-1727	114	27	theory	theory	NOUN
framr-1727	114	28	which	which	PRON
framr-1727	114	29	cited	cite	VERB
framr-1727	114	30	synergy	synergy	NOUN
framr-1727	114	31	as	as	ADP
framr-1727	114	32	one	one	NUM
framr-1727	114	33	of	of	ADP
framr-1727	114	34	the	the	DET
framr-1727	114	35	many	many	ADJ
framr-1727	114	36	possible	possible	ADJ
framr-1727	114	37	reasons	reason	NOUN
framr-1727	114	38	why	why	SCONJ
framr-1727	114	39	mergers	merger	NOUN
framr-1727	114	40	might	might	AUX
framr-1727	114	41	take	take	VERB
framr-1727	114	42	place	place	NOUN
framr-1727	114	43	.	.	PUNCT
framr-1727	115	1	using	use	VERB
framr-1727	115	2	data	datum	NOUN
framr-1727	115	3	from	from	ADP
framr-1727	115	4	three	three	NUM
framr-1727	115	5	access	access	NOUN
framr-1727	115	6	bank	bank	NOUN
framr-1727	115	7	,	,	PUNCT
framr-1727	115	8	ecobank	ecobank	NOUN
framr-1727	115	9	and	and	CCONJ
framr-1727	115	10	fcmb	fcmb	PROPN
framr-1727	115	11	from	from	ADP
framr-1727	115	12	2006	2006	NUM
framr-1727	115	13	to	to	ADP
framr-1727	115	14	2012	2012	NUM
framr-1727	115	15	,	,	PUNCT
framr-1727	115	16	the	the	DET
framr-1727	115	17	authors	author	NOUN
framr-1727	115	18	analyzed	analyze	VERB
framr-1727	115	19	the	the	DET
framr-1727	115	20	data	datum	NOUN
framr-1727	115	21	employing	employ	VERB
framr-1727	115	22	model	model	NOUN
framr-1727	115	23	and	and	CCONJ
framr-1727	115	24	technique	technique	NOUN
framr-1727	115	25	.	.	PUNCT
framr-1727	116	1	their	their	PRON
framr-1727	116	2	result	result	NOUN
framr-1727	116	3	showed	show	VERB
framr-1727	116	4	that	that	SCONJ
framr-1727	116	5	of	of	ADP
framr-1727	116	6	the	the	DET
framr-1727	116	7	three	three	NUM
framr-1727	116	8	banks	bank	NOUN
framr-1727	116	9	only	only	ADV
framr-1727	116	10	one	one	NUM
framr-1727	116	11	showed	show	VERB
framr-1727	116	12	evidence	evidence	NOUN
framr-1727	116	13	of	of	ADP
framr-1727	116	14	synergy	synergy	NOUN
framr-1727	116	15	in	in	ADP
framr-1727	116	16	the	the	DET
framr-1727	116	17	growth	growth	NOUN
framr-1727	116	18	of	of	ADP
framr-1727	116	19	shareholders	shareholder	NOUN
framr-1727	116	20	funds	fund	NOUN
framr-1727	116	21	while	while	SCONJ
framr-1727	116	22	others	other	NOUN
framr-1727	116	23	showed	show	VERB
framr-1727	116	24	no	no	DET
framr-1727	116	25	such	such	ADJ
framr-1727	116	26	growth	growth	NOUN
framr-1727	116	27	.	.	PUNCT
framr-1727	117	1	ailemen	aileman	NOUN
framr-1727	117	2	and	and	CCONJ
framr-1727	117	3	oyero	oyero	PROPN
framr-1727	117	4	(	(	PUNCT
framr-1727	117	5	2013	2013	NUM
framr-1727	117	6	)	)	PUNCT
framr-1727	117	7	employed	employ	VERB
framr-1727	117	8	panel	panel	NOUN
framr-1727	117	9	data	datum	NOUN
framr-1727	117	10	ordinary	ordinary	ADJ
framr-1727	117	11	least	least	ADJ
framr-1727	117	12	squares	square	NOUN
framr-1727	117	13	approach	approach	VERB
framr-1727	117	14	to	to	PART
framr-1727	117	15	investigate	investigate	VERB
framr-1727	117	16	effect	effect	NOUN
framr-1727	117	17	of	of	ADP
framr-1727	117	18	mergers	merger	NOUN
framr-1727	117	19	and	and	CCONJ
framr-1727	117	20	acquisitions	acquisition	NOUN
framr-1727	117	21	on	on	ADP
framr-1727	117	22	performance	performance	NOUN
framr-1727	117	23	of	of	ADP
framr-1727	117	24	banks	bank	NOUN
framr-1727	117	25	inn	inn	PROPN
framr-1727	117	26	nigeria	nigeria	PROPN
framr-1727	117	27	using	use	VERB
framr-1727	117	28	return	return	NOUN
framr-1727	117	29	on	on	ADP
framr-1727	117	30	assets	asset	NOUN
framr-1727	117	31	,	,	PUNCT
framr-1727	117	32	asset	asset	NOUN
framr-1727	117	33	base	base	NOUN
framr-1727	117	34	,	,	PUNCT
framr-1727	117	35	deposit	deposit	NOUN
framr-1727	117	36	growth	growth	NOUN
framr-1727	117	37	rate	rate	NOUN
framr-1727	117	38	,	,	PUNCT
framr-1727	117	39	the	the	DET
framr-1727	117	40	loans	loan	NOUN
framr-1727	117	41	to	to	PART
framr-1727	117	42	deposit	deposit	VERB
framr-1727	117	43	ratio	ratio	NOUN
framr-1727	117	44	and	and	CCONJ
framr-1727	117	45	total	total	ADJ
framr-1727	117	46	value	value	NOUN
framr-1727	117	47	of	of	ADP
framr-1727	117	48	shareholders	shareholder	NOUN
framr-1727	117	49	funds	fund	NOUN
framr-1727	117	50	as	as	ADP
framr-1727	117	51	the	the	DET
framr-1727	117	52	critical	critical	ADJ
framr-1727	117	53	indicators	indicator	NOUN
framr-1727	117	54	.	.	PUNCT
framr-1727	118	1	the	the	DET
framr-1727	118	2	selected	select	VERB
framr-1727	118	3	banks	bank	NOUN
framr-1727	118	4	were	be	AUX
framr-1727	118	5	:	:	PUNCT
framr-1727	118	6	access	access	PROPN
framr-1727	118	7	bank	bank	PROPN
framr-1727	118	8	plc	plc	PROPN
framr-1727	118	9	,	,	PUNCT
framr-1727	118	10	diamond	diamond	PROPN
framr-1727	118	11	bank	bank	PROPN
framr-1727	118	12	plc	plc	PROPN
framr-1727	118	13	,	,	PUNCT
framr-1727	118	14	first	first	ADJ
framr-1727	118	15	city	city	PROPN
framr-1727	118	16	monument	monument	PROPN
framr-1727	118	17	bank	bank	PROPN
framr-1727	118	18	,	,	PUNCT
framr-1727	118	19	fidelity	fidelity	PROPN
framr-1727	118	20	bank	bank	PROPN
framr-1727	118	21	plc	plc	PROPN
framr-1727	118	22	,	,	PUNCT
framr-1727	118	23	first	first	PROPN
framr-1727	118	24	bank	bank	PROPN
framr-1727	118	25	plc	plc	PROPN
framr-1727	118	26	,	,	PUNCT
framr-1727	118	27	intercontinental	intercontinental	PROPN
framr-1727	118	28	bank	bank	PROPN
framr-1727	118	29	plc	plc	PROPN
framr-1727	118	30	,	,	PUNCT
framr-1727	118	31	oceanic	oceanic	PROPN
framr-1727	118	32	bank	bank	PROPN
framr-1727	118	33	plc	plc	PROPN
framr-1727	118	34	,	,	PUNCT
framr-1727	118	35	united	united	PROPN
framr-1727	118	36	bank	bank	PROPN
framr-1727	118	37	for	for	ADP
framr-1727	118	38	africa	africa	PROPN
framr-1727	118	39	,	,	PUNCT
framr-1727	118	40	union	union	PROPN
framr-1727	118	41	bank	bank	PROPN
framr-1727	118	42	,	,	PUNCT
framr-1727	118	43	wema	wema	PROPN
framr-1727	118	44	bank	bank	PROPN
framr-1727	118	45	plc	plc	PROPN
framr-1727	118	46	.	.	PUNCT
framr-1727	119	1	the	the	DET
framr-1727	119	2	evidence	evidence	NOUN
framr-1727	119	3	showed	show	VERB
framr-1727	119	4	that	that	SCONJ
framr-1727	119	5	mergers	merger	NOUN
framr-1727	119	6	created	create	VERB
framr-1727	119	7	synergy	synergy	NOUN
framr-1727	119	8	.	.	PUNCT
framr-1727	120	1	the	the	DET
framr-1727	120	2	authors	author	NOUN
framr-1727	120	3	recommended	recommend	VERB
framr-1727	120	4	that	that	SCONJ
framr-1727	120	5	merger	merger	NOUN
framr-1727	120	6	being	be	AUX
framr-1727	120	7	a	a	DET
framr-1727	120	8	relatively	relatively	ADV
framr-1727	120	9	new	new	ADJ
framr-1727	120	10	phenomenon	phenomenon	NOUN
framr-1727	120	11	in	in	ADP
framr-1727	120	12	the	the	DET
framr-1727	120	13	nigerian	nigerian	ADJ
framr-1727	120	14	banking	banking	NOUN
framr-1727	120	15	environment	environment	NOUN
framr-1727	120	16	should	should	AUX
framr-1727	120	17	be	be	AUX
framr-1727	120	18	given	give	VERB
framr-1727	120	19	more	more	ADJ
framr-1727	120	20	encouragement	encouragement	NOUN
framr-1727	120	21	by	by	ADP
framr-1727	120	22	the	the	DET
framr-1727	120	23	regulatory	regulatory	ADJ
framr-1727	120	24	authorities	authority	NOUN
framr-1727	120	25	.	.	PUNCT
framr-1727	121	1	odetayo	odetayo	PROPN
framr-1727	121	2	et	et	PROPN
framr-1727	121	3	al	al	PROPN
framr-1727	121	4	.	.	PROPN
framr-1727	122	1	(	(	PUNCT
framr-1727	122	2	2013	2013	NUM
framr-1727	122	3	)	)	PUNCT
framr-1727	122	4	carried	carry	VERB
framr-1727	122	5	out	out	ADP
framr-1727	122	6	an	an	DET
framr-1727	122	7	empirical	empirical	ADJ
framr-1727	122	8	analysis	analysis	NOUN
framr-1727	122	9	of	of	ADP
framr-1727	122	10	the	the	DET
framr-1727	122	11	impact	impact	NOUN
framr-1727	122	12	of	of	ADP
framr-1727	122	13	merger	merger	NOUN
framr-1727	122	14	on	on	ADP
framr-1727	122	15	nigerian	nigerian	ADJ
framr-1727	122	16	banks	bank	NOUN
framr-1727	122	17	’	'	PUNCT
framr-1727	122	18	profitability	profitability	NOUN
framr-1727	122	19	using	use	VERB
framr-1727	122	20	secondary	secondary	ADJ
framr-1727	122	21	data	datum	NOUN
framr-1727	122	22	of	of	ADP
framr-1727	122	23	access	access	NOUN
framr-1727	122	24	bank	bank	PROPN
framr-1727	122	25	and	and	CCONJ
framr-1727	122	26	united	united	PROPN
framr-1727	122	27	bank	bank	PROPN
framr-1727	122	28	for	for	ADP
framr-1727	122	29	africa	africa	PROPN
framr-1727	122	30	(	(	PUNCT
framr-1727	122	31	uba	uba	PROPN
framr-1727	122	32	)	)	PUNCT
framr-1727	122	33	between	between	ADP
framr-1727	122	34	2005	2005	NUM
framr-1727	122	35	–	–	PUNCT
framr-1727	122	36	2012	2012	NUM
framr-1727	122	37	.	.	PUNCT
framr-1727	123	1	the	the	DET
framr-1727	123	2	study	study	NOUN
framr-1727	123	3	concluded	conclude	VERB
framr-1727	123	4	that	that	SCONJ
framr-1727	123	5	the	the	DET
framr-1727	123	6	2005	2005	NUM
framr-1727	123	7	mergers	merger	NOUN
framr-1727	123	8	and	and	CCONJ
framr-1727	123	9	acquisitions	acquisition	NOUN
framr-1727	123	10	did	do	AUX
framr-1727	123	11	not	not	PART
framr-1727	123	12	have	have	VERB
framr-1727	123	13	significant	significant	ADJ
framr-1727	123	14	impact	impact	NOUN
framr-1727	123	15	on	on	ADP
framr-1727	123	16	post	post	NOUN
framr-1727	123	17	merger	merger	NOUN
framr-1727	123	18	profits	profit	NOUN
framr-1727	123	19	of	of	ADP
framr-1727	123	20	the	the	DET
framr-1727	123	21	two	two	NUM
framr-1727	123	22	banks	bank	NOUN
framr-1727	123	23	.	.	PUNCT
framr-1727	124	1	it	it	PRON
framr-1727	124	2	may	may	AUX
framr-1727	124	3	be	be	AUX
framr-1727	124	4	note	note	VERB
framr-1727	124	5	that	that	SCONJ
framr-1727	124	6	this	this	DET
framr-1727	124	7	finding	finding	NOUN
framr-1727	124	8	might	might	AUX
framr-1727	124	9	have	have	AUX
framr-1727	124	10	been	be	AUX
framr-1727	124	11	influenced	influence	VERB
framr-1727	124	12	by	by	ADP
framr-1727	124	13	the	the	DET
framr-1727	124	14	very	very	ADV
framr-1727	124	15	small	small	ADJ
framr-1727	124	16	sample	sample	NOUN
framr-1727	124	17	size	size	NOUN
framr-1727	124	18	of	of	ADP
framr-1727	124	19	only	only	ADV
framr-1727	124	20	two	two	NUM
framr-1727	124	21	banks	bank	NOUN
framr-1727	124	22	out	out	ADP
framr-1727	124	23	of	of	ADP
framr-1727	124	24	24	24	NUM
framr-1727	124	25	banks	bank	NOUN
framr-1727	124	26	then	then	ADV
framr-1727	124	27	.	.	PUNCT
framr-1727	125	1	nwidobie	nwidobie	NOUN
framr-1727	125	2	(	(	PUNCT
framr-1727	125	3	2013	2013	NUM
framr-1727	125	4	)	)	PUNCT
framr-1727	125	5	examined	examine	VERB
framr-1727	125	6	impact	impact	NOUN
framr-1727	125	7	of	of	ADP
framr-1727	125	8	mergers	merger	NOUN
framr-1727	125	9	and	and	CCONJ
framr-1727	125	10	acquisitions	acquisition	NOUN
framr-1727	125	11	on	on	ADP
framr-1727	125	12	shareholders	shareholder	NOUN
framr-1727	125	13	wealth	wealth	NOUN
framr-1727	125	14	maximization	maximization	NOUN
framr-1727	125	15	in	in	ADP
framr-1727	125	16	nigeria	nigeria	PROPN
framr-1727	125	17	.	.	PUNCT
framr-1727	126	1	the	the	DET
framr-1727	126	2	study	study	NOUN
framr-1727	126	3	used	use	VERB
framr-1727	126	4	dividend	dividend	NOUN
framr-1727	126	5	per	per	ADP
framr-1727	126	6	share	share	NOUN
framr-1727	126	7	and	and	CCONJ
framr-1727	126	8	earnings	earning	NOUN
framr-1727	126	9	per	per	ADP
framr-1727	126	10	share	share	NOUN
framr-1727	126	11	from	from	ADP
framr-1727	126	12	a	a	DET
framr-1727	126	13	sample	sample	NOUN
framr-1727	126	14	of	of	ADP
framr-1727	126	15	six	six	NUM
framr-1727	126	16	commercial	commercial	ADJ
framr-1727	126	17	banks	bank	NOUN
framr-1727	126	18	in	in	ADP
framr-1727	126	19	nigeria	nigeria	PROPN
framr-1727	126	20	from	from	ADP
framr-1727	126	21	2003	2003	NUM
framr-1727	126	22	to	to	ADP
framr-1727	126	23	2009	2009	NUM
framr-1727	126	24	as	as	ADP
framr-1727	126	25	proxies	proxy	NOUN
framr-1727	126	26	for	for	ADP
framr-1727	126	27	shareholders	shareholder	NOUN
framr-1727	126	28	’	'	PUNCT
framr-1727	126	29	wealth	wealth	NOUN
framr-1727	126	30	.	.	PUNCT
framr-1727	127	1	findings	finding	NOUN
framr-1727	127	2	from	from	ADP
framr-1727	127	3	the	the	DET
framr-1727	127	4	paired	pair	VERB
framr-1727	127	5	t	t	NOUN
framr-1727	127	6	-	-	PUNCT
framr-1727	127	7	test	test	NOUN
framr-1727	127	8	analysis	analysis	NOUN
framr-1727	127	9	showed	show	VERB
framr-1727	127	10	that	that	SCONJ
framr-1727	127	11	the	the	DET
framr-1727	127	12	mergers	merger	NOUN
framr-1727	127	13	and	and	CCONJ
framr-1727	127	14	acquisitions	acquisition	NOUN
framr-1727	127	15	of	of	ADP
framr-1727	127	16	2005	2005	NUM
framr-1727	127	17	created	create	VERB
framr-1727	127	18	more	more	ADJ
framr-1727	127	19	wealth	wealth	NOUN
framr-1727	127	20	to	to	ADP
framr-1727	127	21	the	the	DET
framr-1727	127	22	shareholders	shareholder	NOUN
framr-1727	127	23	.	.	PUNCT
framr-1727	128	1	adebayo	adebayo	PROPN
framr-1727	128	2	and	and	CCONJ
framr-1727	128	3	olalekan	olalekan	PROPN
framr-1727	128	4	(	(	PUNCT
framr-1727	128	5	2012	2012	NUM
framr-1727	128	6	)	)	PUNCT
framr-1727	128	7	assessed	assess	VERB
framr-1727	128	8	the	the	DET
framr-1727	128	9	implications	implication	NOUN
framr-1727	128	10	of	of	ADP
framr-1727	128	11	mergers	merger	NOUN
framr-1727	128	12	and	and	CCONJ
framr-1727	128	13	acquisitions	acquisition	NOUN
framr-1727	128	14	on	on	ADP
framr-1727	128	15	profitability	profitability	NOUN
framr-1727	128	16	of	of	ADP
framr-1727	128	17	commercial	commercial	ADJ
framr-1727	128	18	banks	bank	NOUN
framr-1727	128	19	in	in	ADP
framr-1727	128	20	nigeria	nigeria	PROPN
framr-1727	128	21	using	use	VERB
framr-1727	128	22	survey	survey	NOUN
framr-1727	128	23	design	design	NOUN
framr-1727	128	24	combining	combine	VERB
framr-1727	128	25	95	95	NUM
framr-1727	128	26	questionnaires	questionnaire	NOUN
framr-1727	128	27	and	and	CCONJ
framr-1727	128	28	secondary	secondary	ADJ
framr-1727	128	29	data	datum	NOUN
framr-1727	128	30	/	/	SYM
framr-1727	128	31	audited	audit	VERB
framr-1727	128	32	accounts	account	NOUN
framr-1727	128	33	of	of	ADP
framr-1727	128	34	10	10	NUM
framr-1727	128	35	randomly	randomly	ADV
framr-1727	128	36	select	select	ADJ
framr-1727	128	37	banks	bank	NOUN
framr-1727	128	38	.	.	PUNCT
framr-1727	129	1	from	from	ADP
framr-1727	129	2	the	the	DET
framr-1727	129	3	ttest	tt	ADJ
framr-1727	129	4	analysis	analysis	NOUN
framr-1727	129	5	,	,	PUNCT
framr-1727	129	6	it	it	PRON
framr-1727	129	7	was	be	AUX
framr-1727	129	8	found	find	VERB
framr-1727	129	9	out	out	ADP
framr-1727	129	10	that	that	SCONJ
framr-1727	129	11	the	the	DET
framr-1727	129	12	mergers	merger	NOUN
framr-1727	129	13	and	and	CCONJ
framr-1727	129	14	acquisitions	acquisition	NOUN
framr-1727	129	15	have	have	AUX
framr-1727	129	16	significantly	significantly	ADV
framr-1727	129	17	influenced	influence	VERB
framr-1727	129	18	profitability	profitability	NOUN
framr-1727	129	19	of	of	ADP
framr-1727	129	20	financial	financial	ADJ
framr-1727	129	21	risk	risk	NOUN
framr-1727	129	22	and	and	CCONJ
framr-1727	129	23	management	management	NOUN
framr-1727	129	24	reviews	review	NOUN
framr-1727	129	25	,	,	PUNCT
framr-1727	129	26	2018	2018	NUM
framr-1727	129	27	,	,	PUNCT
framr-1727	129	28	4(1	4(1	NOUN
framr-1727	129	29	):	):	PUNCT
framr-1727	129	30	34	34	NUM
framr-1727	129	31	-	-	SYM
framr-1727	129	32	48	48	NUM
framr-1727	129	33	39	39	NUM
framr-1727	129	34	©	©	PROPN
framr-1727	129	35	2018	2018	NUM
framr-1727	129	36	conscientia	conscientia	PROPN
framr-1727	129	37	beam	beam	PROPN
framr-1727	129	38	.	.	PUNCT
framr-1727	130	1	all	all	DET
framr-1727	130	2	rights	right	NOUN
framr-1727	130	3	reserved	reserve	VERB
framr-1727	130	4	.	.	PUNCT
framr-1727	131	1	commercial	commercial	ADJ
framr-1727	131	2	banks	bank	NOUN
framr-1727	131	3	,	,	PUNCT
framr-1727	131	4	earnings	earning	NOUN
framr-1727	131	5	per	per	ADP
framr-1727	131	6	share	share	NOUN
framr-1727	131	7	and	and	CCONJ
framr-1727	131	8	dividend	dividend	VERB
framr-1727	131	9	per	per	ADP
framr-1727	131	10	share	share	NOUN
framr-1727	131	11	of	of	ADP
framr-1727	131	12	shareholders	shareholder	NOUN
framr-1727	131	13	.	.	PUNCT
framr-1727	132	1	based	base	VERB
framr-1727	132	2	on	on	ADP
framr-1727	132	3	the	the	DET
framr-1727	132	4	findings	finding	NOUN
framr-1727	132	5	,	,	PUNCT
framr-1727	132	6	the	the	DET
framr-1727	132	7	study	study	NOUN
framr-1727	132	8	concluded	conclude	VERB
framr-1727	132	9	that	that	SCONJ
framr-1727	132	10	the	the	DET
framr-1727	132	11	mergers	merger	NOUN
framr-1727	132	12	and	and	CCONJ
framr-1727	132	13	acquisitions	acquisition	NOUN
framr-1727	132	14	have	have	AUX
framr-1727	132	15	significantly	significantly	ADV
framr-1727	132	16	improved	improve	VERB
framr-1727	132	17	the	the	DET
framr-1727	132	18	overall	overall	ADJ
framr-1727	132	19	performances	performance	NOUN
framr-1727	132	20	of	of	ADP
framr-1727	132	21	banks	bank	NOUN
framr-1727	132	22	.	.	PUNCT
framr-1727	133	1	adegboyega	adegboyega	PROPN
framr-1727	133	2	(	(	PUNCT
framr-1727	133	3	2012	2012	NUM
framr-1727	133	4	)	)	PUNCT
framr-1727	133	5	evaluated	evaluate	VERB
framr-1727	133	6	the	the	DET
framr-1727	133	7	impact	impact	NOUN
framr-1727	133	8	of	of	ADP
framr-1727	133	9	mergers	merger	NOUN
framr-1727	133	10	and	and	CCONJ
framr-1727	133	11	acquisitions	acquisition	NOUN
framr-1727	133	12	on	on	ADP
framr-1727	133	13	performance	performance	NOUN
framr-1727	133	14	of	of	ADP
framr-1727	133	15	banks	bank	NOUN
framr-1727	133	16	in	in	ADP
framr-1727	133	17	nigeria	nigeria	PROPN
framr-1727	133	18	using	use	VERB
framr-1727	133	19	pre	pre	ADJ
framr-1727	133	20	-	-	NOUN
framr-1727	133	21	merger	merger	ADJ
framr-1727	133	22	and	and	CCONJ
framr-1727	133	23	post	post	VERB
framr-1727	133	24	merger	merger	NOUN
framr-1727	133	25	financial	financial	ADJ
framr-1727	133	26	statements	statement	NOUN
framr-1727	133	27	of	of	ADP
framr-1727	133	28	two	two	NUM
framr-1727	133	29	consolidated	consolidated	ADJ
framr-1727	133	30	banks	bank	NOUN
framr-1727	133	31	.	.	PUNCT
framr-1727	134	1	simple	simple	ADJ
framr-1727	134	2	regression	regression	NOUN
framr-1727	134	3	model	model	NOUN
framr-1727	134	4	was	be	AUX
framr-1727	134	5	employed	employ	VERB
framr-1727	134	6	to	to	PART
framr-1727	134	7	express	express	VERB
framr-1727	134	8	the	the	DET
framr-1727	134	9	relationship	relationship	NOUN
framr-1727	134	10	between	between	ADP
framr-1727	134	11	consolidation	consolidation	NOUN
framr-1727	134	12	proxied	proxie	VERB
framr-1727	134	13	by	by	ADP
framr-1727	134	14	shareholders	shareholder	NOUN
framr-1727	134	15	funds(x	funds(x	PROPN
framr-1727	134	16	)	)	PUNCT
framr-1727	134	17	and	and	CCONJ
framr-1727	134	18	performance	performance	NOUN
framr-1727	134	19	represented	represent	VERB
framr-1727	134	20	by	by	ADP
framr-1727	134	21	total	total	ADJ
framr-1727	134	22	assets(y	assets(y	PROPN
framr-1727	134	23	)	)	PUNCT
framr-1727	134	24	.	.	PUNCT
framr-1727	135	1	finding	find	VERB
framr-1727	135	2	showed	show	VERB
framr-1727	135	3	that	that	SCONJ
framr-1727	135	4	there	there	PRON
framr-1727	135	5	was	be	VERB
framr-1727	135	6	strong	strong	ADJ
framr-1727	135	7	relationship	relationship	NOUN
framr-1727	135	8	between	between	ADP
framr-1727	135	9	shareholders	shareholder	NOUN
framr-1727	135	10	funds	fund	NOUN
framr-1727	135	11	and	and	CCONJ
framr-1727	135	12	total	total	ADJ
framr-1727	135	13	assets	asset	NOUN
framr-1727	135	14	in	in	ADP
framr-1727	135	15	both	both	DET
framr-1727	135	16	banks	bank	NOUN
framr-1727	135	17	leading	lead	VERB
framr-1727	135	18	to	to	ADP
framr-1727	135	19	the	the	DET
framr-1727	135	20	conclusion	conclusion	NOUN
framr-1727	135	21	that	that	SCONJ
framr-1727	135	22	the	the	DET
framr-1727	135	23	bank	bank	NOUN
framr-1727	135	24	consolidation	consolidation	NOUN
framr-1727	135	25	in	in	ADP
framr-1727	135	26	the	the	DET
framr-1727	135	27	nigerian	nigerian	ADJ
framr-1727	135	28	financial	financial	ADJ
framr-1727	135	29	system	system	NOUN
framr-1727	135	30	increased	increase	VERB
framr-1727	135	31	shareholders	shareholder	NOUN
framr-1727	135	32	’	'	PUNCT
framr-1727	135	33	funds	fund	NOUN
framr-1727	135	34	,	,	PUNCT
framr-1727	135	35	investor	investor	NOUN
framr-1727	135	36	’s	’s	PART
framr-1727	135	37	confidence	confidence	NOUN
framr-1727	135	38	,	,	PUNCT
framr-1727	135	39	financial	financial	ADJ
framr-1727	135	40	stability	stability	NOUN
framr-1727	135	41	and	and	CCONJ
framr-1727	135	42	operational	operational	ADJ
framr-1727	135	43	efficiency	efficiency	NOUN
framr-1727	135	44	of	of	ADP
framr-1727	135	45	the	the	DET
framr-1727	135	46	banks	bank	NOUN
framr-1727	135	47	.	.	PUNCT
framr-1727	136	1	owolabi	owolabi	NOUN
framr-1727	136	2	and	and	CCONJ
framr-1727	136	3	ajayi	ajayi	NOUN
framr-1727	136	4	(	(	PUNCT
framr-1727	136	5	2013	2013	NUM
framr-1727	136	6	)	)	PUNCT
framr-1727	136	7	examined	examine	VERB
framr-1727	136	8	the	the	DET
framr-1727	136	9	financial	financial	ADJ
framr-1727	136	10	efficiency	efficiency	NOUN
framr-1727	136	11	of	of	ADP
framr-1727	136	12	banks	bank	NOUN
framr-1727	136	13	in	in	ADP
framr-1727	136	14	nigeria	nigeria	PROPN
framr-1727	136	15	in	in	ADP
framr-1727	136	16	the	the	DET
framr-1727	136	17	post	post	NOUN
framr-1727	136	18	mergers	merger	NOUN
framr-1727	136	19	and	and	CCONJ
framr-1727	136	20	acquisitions	acquisition	NOUN
framr-1727	136	21	period	period	NOUN
framr-1727	136	22	.	.	PUNCT
framr-1727	137	1	the	the	DET
framr-1727	137	2	findings	finding	NOUN
framr-1727	137	3	suggested	suggest	VERB
framr-1727	137	4	that	that	SCONJ
framr-1727	137	5	the	the	DET
framr-1727	137	6	post	post	NOUN
framr-1727	137	7	-	-	NOUN
framr-1727	137	8	mergers	merger	NOUN
framr-1727	137	9	and	and	CCONJ
framr-1727	137	10	acquisitions	acquisition	NOUN
framr-1727	137	11	period	period	NOUN
framr-1727	137	12	was	be	AUX
framr-1727	137	13	more	more	ADV
framr-1727	137	14	financially	financially	ADV
framr-1727	137	15	efficient	efficient	ADJ
framr-1727	137	16	.	.	PUNCT
framr-1727	138	1	okpanachi	okpanachi	PROPN
framr-1727	138	2	(	(	PUNCT
framr-1727	138	3	2011	2011	NUM
framr-1727	138	4	)	)	PUNCT
framr-1727	138	5	made	make	VERB
framr-1727	138	6	a	a	DET
framr-1727	138	7	comparative	comparative	ADJ
framr-1727	138	8	analysis	analysis	NOUN
framr-1727	138	9	of	of	ADP
framr-1727	138	10	the	the	DET
framr-1727	138	11	impact	impact	NOUN
framr-1727	138	12	of	of	ADP
framr-1727	138	13	mergers	merger	NOUN
framr-1727	138	14	and	and	CCONJ
framr-1727	138	15	acquisitions	acquisition	NOUN
framr-1727	138	16	on	on	ADP
framr-1727	138	17	financial	financial	ADJ
framr-1727	138	18	efficiency	efficiency	NOUN
framr-1727	138	19	of	of	ADP
framr-1727	138	20	banks	bank	NOUN
framr-1727	138	21	in	in	ADP
framr-1727	138	22	nigeria	nigeria	PROPN
framr-1727	138	23	.	.	PUNCT
framr-1727	139	1	the	the	DET
framr-1727	139	2	study	study	NOUN
framr-1727	139	3	used	use	VERB
framr-1727	139	4	gross	gross	ADJ
framr-1727	139	5	earnings	earning	NOUN
framr-1727	139	6	,	,	PUNCT
framr-1727	139	7	profit	profit	NOUN
framr-1727	139	8	after	after	ADP
framr-1727	139	9	tax	tax	NOUN
framr-1727	139	10	and	and	CCONJ
framr-1727	139	11	net	net	ADJ
framr-1727	139	12	assets	asset	NOUN
framr-1727	139	13	of	of	ADP
framr-1727	139	14	access	access	PROPN
framr-1727	139	15	bank	bank	PROPN
framr-1727	139	16	plc	plc	PROPN
framr-1727	139	17	,	,	PUNCT
framr-1727	139	18	first	first	ADJ
framr-1727	139	19	bank	bank	PROPN
framr-1727	139	20	of	of	ADP
framr-1727	139	21	nigeria	nigeria	PROPN
framr-1727	139	22	plc	plc	PROPN
framr-1727	139	23	and	and	CCONJ
framr-1727	139	24	wema	wema	PROPN
framr-1727	139	25	bank	bank	PROPN
framr-1727	139	26	plc	plc	PROPN
framr-1727	139	27	as	as	ADP
framr-1727	139	28	indices	index	NOUN
framr-1727	139	29	to	to	PART
framr-1727	139	30	determine	determine	VERB
framr-1727	139	31	financial	financial	ADJ
framr-1727	139	32	efficiency	efficiency	NOUN
framr-1727	139	33	by	by	ADP
framr-1727	139	34	comparing	compare	VERB
framr-1727	139	35	the	the	DET
framr-1727	139	36	pre	pre	NOUN
framr-1727	139	37	-	-	NOUN
framr-1727	139	38	mergers	merger	NOUN
framr-1727	139	39	and	and	CCONJ
framr-1727	139	40	acquisitions	acquisition	NOUN
framr-1727	139	41	’	'	PUNCT
framr-1727	139	42	performance	performance	NOUN
framr-1727	139	43	with	with	ADP
framr-1727	139	44	the	the	DET
framr-1727	139	45	post	post	NOUN
framr-1727	139	46	-	-	NOUN
framr-1727	139	47	mergers	merger	NOUN
framr-1727	139	48	and	and	CCONJ
framr-1727	139	49	acquisitions	acquisition	NOUN
framr-1727	139	50	’	'	PUNCT
framr-1727	139	51	indices	index	NOUN
framr-1727	139	52	for	for	ADP
framr-1727	139	53	the	the	DET
framr-1727	139	54	period	period	NOUN
framr-1727	139	55	of	of	ADP
framr-1727	139	56	2002	2002	NUM
framr-1727	139	57	to	to	ADP
framr-1727	139	58	2008	2008	NUM
framr-1727	139	59	.	.	PUNCT
framr-1727	140	1	the	the	DET
framr-1727	140	2	findings	finding	NOUN
framr-1727	140	3	revealed	reveal	VERB
framr-1727	140	4	that	that	SCONJ
framr-1727	140	5	the	the	DET
framr-1727	140	6	post	post	NOUN
framr-1727	140	7	-	-	NOUN
framr-1727	140	8	mergers	merger	NOUN
framr-1727	140	9	and	and	CCONJ
framr-1727	140	10	acquisitions	acquisition	NOUN
framr-1727	140	11	’	'	PUNCT
framr-1727	140	12	period	period	NOUN
framr-1727	140	13	was	be	AUX
framr-1727	140	14	more	more	ADV
framr-1727	140	15	financially	financially	ADV
framr-1727	140	16	efficient	efficient	ADJ
framr-1727	140	17	than	than	ADP
framr-1727	140	18	the	the	DET
framr-1727	140	19	pre	pre	NOUN
framr-1727	140	20	-	-	NOUN
framr-1727	140	21	mergers	merger	NOUN
framr-1727	140	22	and	and	CCONJ
framr-1727	140	23	acquisitions	acquisition	NOUN
framr-1727	140	24	period	period	NOUN
framr-1727	140	25	.	.	PUNCT
framr-1727	141	1	however	however	ADV
framr-1727	141	2	,	,	PUNCT
framr-1727	141	3	to	to	PART
framr-1727	141	4	increase	increase	VERB
framr-1727	141	5	banks	bank	NOUN
framr-1727	141	6	financial	financial	ADJ
framr-1727	141	7	efficiency	efficiency	NOUN
framr-1727	141	8	,	,	PUNCT
framr-1727	141	9	the	the	DET
framr-1727	141	10	study	study	NOUN
framr-1727	141	11	recommended	recommend	VERB
framr-1727	141	12	that	that	SCONJ
framr-1727	141	13	banks	bank	NOUN
framr-1727	141	14	should	should	AUX
framr-1727	141	15	be	be	AUX
framr-1727	141	16	more	more	ADV
framr-1727	141	17	aggressive	aggressive	ADJ
framr-1727	141	18	in	in	ADP
framr-1727	141	19	their	their	PRON
framr-1727	141	20	profit	profit	NOUN
framr-1727	141	21	drive	drive	NOUN
framr-1727	141	22	.	.	PUNCT
framr-1727	142	1	umoren	umoren	PROPN
framr-1727	142	2	et	et	PROPN
framr-1727	142	3	al	al	PROPN
framr-1727	142	4	.	.	PROPN
framr-1727	143	1	(	(	PUNCT
framr-1727	143	2	2007	2007	NUM
framr-1727	143	3	)	)	PUNCT
framr-1727	143	4	examined	examine	VERB
framr-1727	143	5	the	the	DET
framr-1727	143	6	impact	impact	NOUN
framr-1727	143	7	of	of	ADP
framr-1727	143	8	consolidation	consolidation	NOUN
framr-1727	143	9	on	on	ADP
framr-1727	143	10	performance	performance	NOUN
framr-1727	143	11	of	of	ADP
framr-1727	143	12	the	the	DET
framr-1727	143	13	mega	mega	ADJ
framr-1727	143	14	banks	bank	NOUN
framr-1727	143	15	and	and	CCONJ
framr-1727	143	16	considered	consider	VERB
framr-1727	143	17	whether	whether	SCONJ
framr-1727	143	18	there	there	PRON
framr-1727	143	19	had	have	AUX
framr-1727	143	20	been	be	AUX
framr-1727	143	21	considerable	considerable	ADJ
framr-1727	143	22	improvement	improvement	NOUN
framr-1727	143	23	on	on	ADP
framr-1727	143	24	their	their	PRON
framr-1727	143	25	profitability	profitability	NOUN
framr-1727	143	26	,	,	PUNCT
framr-1727	143	27	liquidity	liquidity	NOUN
framr-1727	143	28	and	and	CCONJ
framr-1727	143	29	solvency	solvency	NOUN
framr-1727	143	30	.	.	PUNCT
framr-1727	144	1	the	the	DET
framr-1727	144	2	sample	sample	NOUN
framr-1727	144	3	consisted	consist	VERB
framr-1727	144	4	of	of	ADP
framr-1727	144	5	intercontinental	intercontinental	PROPN
framr-1727	144	6	bank	bank	PROPN
framr-1727	144	7	plc	plc	PROPN
framr-1727	144	8	,	,	PUNCT
framr-1727	144	9	access	access	PROPN
framr-1727	144	10	bank	bank	PROPN
framr-1727	144	11	plc	plc	PROPN
framr-1727	144	12	,	,	PUNCT
framr-1727	144	13	fidelity	fidelity	PROPN
framr-1727	144	14	bank	bank	PROPN
framr-1727	144	15	plc	plc	PROPN
framr-1727	144	16	,	,	PUNCT
framr-1727	144	17	ibtc	ibtc	PROPN
framr-1727	144	18	-	-	PUNCT
framr-1727	144	19	chartered	charter	VERB
framr-1727	144	20	plc	plc	PROPN
framr-1727	144	21	,	,	PUNCT
framr-1727	144	22	oceanic	oceanic	PROPN
framr-1727	144	23	bank	bank	PROPN
framr-1727	144	24	plc	plc	PROPN
framr-1727	144	25	,	,	PUNCT
framr-1727	144	26	bank	bank	PROPN
framr-1727	144	27	phb	phb	PROPN
framr-1727	144	28	plc	plc	PROPN
framr-1727	144	29	and	and	CCONJ
framr-1727	144	30	united	united	PROPN
framr-1727	144	31	bank	bank	PROPN
framr-1727	144	32	of	of	ADP
framr-1727	144	33	africa	africa	PROPN
framr-1727	144	34	plc	plc	PROPN
framr-1727	144	35	.	.	PUNCT
framr-1727	145	1	performance	performance	NOUN
framr-1727	145	2	ratios	ratio	NOUN
framr-1727	145	3	of	of	ADP
framr-1727	145	4	the	the	DET
framr-1727	145	5	banks	bank	NOUN
framr-1727	145	6	were	be	AUX
framr-1727	145	7	analyzed	analyze	VERB
framr-1727	145	8	and	and	CCONJ
framr-1727	145	9	on	on	ADP
framr-1727	145	10	average	average	ADJ
framr-1727	145	11	,	,	PUNCT
framr-1727	145	12	the	the	DET
framr-1727	145	13	findings	finding	NOUN
framr-1727	145	14	showed	show	VERB
framr-1727	145	15	that	that	SCONJ
framr-1727	145	16	bank	bank	NOUN
framr-1727	145	17	consolidation	consolidation	NOUN
framr-1727	145	18	resulted	result	VERB
framr-1727	145	19	in	in	ADP
framr-1727	145	20	improved	improved	ADJ
framr-1727	145	21	performance	performance	NOUN
framr-1727	145	22	.	.	PUNCT
framr-1727	146	1	it	it	PRON
framr-1727	146	2	was	be	AUX
framr-1727	146	3	therefore	therefore	ADV
framr-1727	146	4	suggested	suggest	VERB
framr-1727	146	5	that	that	SCONJ
framr-1727	146	6	the	the	DET
framr-1727	146	7	bank	bank	NOUN
framr-1727	146	8	management	management	NOUN
framr-1727	146	9	should	should	AUX
framr-1727	146	10	embrace	embrace	VERB
framr-1727	146	11	broad	broad	ADJ
framr-1727	146	12	product	product	NOUN
framr-1727	146	13	strategies	strategy	NOUN
framr-1727	146	14	,	,	PUNCT
framr-1727	146	15	which	which	PRON
framr-1727	146	16	could	could	AUX
framr-1727	146	17	help	help	VERB
framr-1727	146	18	in	in	ADP
framr-1727	146	19	generating	generate	VERB
framr-1727	146	20	more	more	ADJ
framr-1727	146	21	income	income	NOUN
framr-1727	146	22	for	for	ADP
framr-1727	146	23	the	the	DET
framr-1727	146	24	banks	bank	NOUN
framr-1727	146	25	.	.	PUNCT
framr-1727	147	1	elsewhere	elsewhere	ADV
framr-1727	147	2	outside	outside	ADP
framr-1727	147	3	nigeria	nigeria	PROPN
framr-1727	147	4	,	,	PUNCT
framr-1727	147	5	yeboah	yeboah	PROPN
framr-1727	147	6	et	et	PROPN
framr-1727	147	7	al	al	PROPN
framr-1727	147	8	.	.	PROPN
framr-1727	148	1	(	(	PUNCT
framr-1727	148	2	2015	2015	NUM
framr-1727	148	3	)	)	PUNCT
framr-1727	148	4	evaluated	evaluate	VERB
framr-1727	148	5	impact	impact	NOUN
framr-1727	148	6	of	of	ADP
framr-1727	148	7	mergers	merger	NOUN
framr-1727	148	8	and	and	CCONJ
framr-1727	148	9	acquisitions	acquisition	NOUN
framr-1727	148	10	on	on	ADP
framr-1727	148	11	service	service	NOUN
framr-1727	148	12	quality	quality	NOUN
framr-1727	148	13	of	of	ADP
framr-1727	148	14	consolidated	consolidated	ADJ
framr-1727	148	15	banks	bank	NOUN
framr-1727	148	16	in	in	ADP
framr-1727	148	17	ghana	ghana	PROPN
framr-1727	148	18	.	.	PUNCT
framr-1727	149	1	a	a	DET
framr-1727	149	2	descriptive	descriptive	ADJ
framr-1727	149	3	and	and	CCONJ
framr-1727	149	4	explanatory	explanatory	ADJ
framr-1727	149	5	design	design	NOUN
framr-1727	149	6	was	be	AUX
framr-1727	149	7	adopted	adopt	VERB
framr-1727	149	8	to	to	PART
framr-1727	149	9	describe	describe	VERB
framr-1727	149	10	customer	customer	NOUN
framr-1727	149	11	perceived	perceive	VERB
framr-1727	149	12	service	service	NOUN
framr-1727	149	13	quality	quality	NOUN
framr-1727	149	14	and	and	CCONJ
framr-1727	149	15	to	to	PART
framr-1727	149	16	also	also	ADV
framr-1727	149	17	explain	explain	VERB
framr-1727	149	18	the	the	DET
framr-1727	149	19	relationship	relationship	NOUN
framr-1727	149	20	between	between	ADP
framr-1727	149	21	m	m	PROPN
framr-1727	149	22	&	&	CCONJ
framr-1727	149	23	as	as	ADV
framr-1727	149	24	and	and	CCONJ
framr-1727	149	25	service	service	NOUN
framr-1727	149	26	quality	quality	NOUN
framr-1727	149	27	.	.	PUNCT
framr-1727	150	1	anova	anova	PROPN
framr-1727	150	2	and	and	CCONJ
framr-1727	150	3	t	t	NOUN
framr-1727	150	4	-	-	PUNCT
framr-1727	150	5	tests	test	NOUN
framr-1727	150	6	techniques	technique	NOUN
framr-1727	150	7	were	be	AUX
framr-1727	150	8	used	use	VERB
framr-1727	150	9	to	to	PART
framr-1727	150	10	analyze	analyze	VERB
framr-1727	150	11	collected	collect	VERB
framr-1727	150	12	primary	primary	ADJ
framr-1727	150	13	and	and	CCONJ
framr-1727	150	14	secondary	secondary	ADJ
framr-1727	150	15	data	datum	NOUN
framr-1727	150	16	.	.	PUNCT
framr-1727	151	1	findings	finding	NOUN
framr-1727	151	2	revealed	reveal	VERB
framr-1727	151	3	that	that	SCONJ
framr-1727	151	4	mergers	merger	NOUN
framr-1727	151	5	and	and	CCONJ
framr-1727	151	6	acquisitions	acquisition	NOUN
framr-1727	151	7	have	have	AUX
framr-1727	151	8	had	have	VERB
framr-1727	151	9	positive	positive	ADJ
framr-1727	151	10	impact	impact	NOUN
framr-1727	151	11	on	on	ADP
framr-1727	151	12	overall	overall	ADJ
framr-1727	151	13	service	service	NOUN
framr-1727	151	14	quality	quality	NOUN
framr-1727	151	15	.	.	PUNCT
framr-1727	152	1	masud	masud	PROPN
framr-1727	152	2	(	(	PUNCT
framr-1727	152	3	2015	2015	NUM
framr-1727	152	4	)	)	PUNCT
framr-1727	152	5	examined	examine	VERB
framr-1727	152	6	the	the	DET
framr-1727	152	7	impact	impact	NOUN
framr-1727	152	8	of	of	ADP
framr-1727	152	9	mergers	merger	NOUN
framr-1727	152	10	and	and	CCONJ
framr-1727	152	11	acquisitions	acquisition	NOUN
framr-1727	152	12	on	on	ADP
framr-1727	152	13	the	the	DET
framr-1727	152	14	financial	financial	ADJ
framr-1727	152	15	performance	performance	NOUN
framr-1727	152	16	of	of	ADP
framr-1727	152	17	selected	select	VERB
framr-1727	152	18	banks	bank	NOUN
framr-1727	152	19	in	in	ADP
framr-1727	152	20	egypt	egypt	PROPN
framr-1727	152	21	namely	namely	ADV
framr-1727	152	22	:	:	PUNCT
framr-1727	152	23	allied	allied	PROPN
framr-1727	152	24	bank	bank	NOUN
framr-1727	152	25	,	,	PUNCT
framr-1727	152	26	nib	nib	VERB
framr-1727	152	27	bank	bank	NOUN
framr-1727	152	28	and	and	CCONJ
framr-1727	152	29	faysal	faysal	PROPN
framr-1727	152	30	bank	bank	PROPN
framr-1727	152	31	.	.	PUNCT
framr-1727	153	1	secondary	secondary	ADJ
framr-1727	153	2	data	datum	NOUN
framr-1727	153	3	for	for	ADP
framr-1727	153	4	the	the	DET
framr-1727	153	5	period	period	NOUN
framr-1727	153	6	2000	2000	NUM
framr-1727	153	7	-2012	-2012	NOUN
framr-1727	153	8	were	be	AUX
framr-1727	153	9	used	use	VERB
framr-1727	153	10	while	while	SCONJ
framr-1727	153	11	ratio	ratio	NOUN
framr-1727	153	12	analysis	analysis	NOUN
framr-1727	153	13	and	and	CCONJ
framr-1727	153	14	paired	pair	VERB
framr-1727	153	15	t	t	PROPN
framr-1727	153	16	-	-	PUNCT
framr-1727	153	17	test	test	NOUN
framr-1727	153	18	were	be	AUX
framr-1727	153	19	employed	employ	VERB
framr-1727	153	20	for	for	ADP
framr-1727	153	21	the	the	DET
framr-1727	153	22	analysis	analysis	NOUN
framr-1727	153	23	.	.	PUNCT
framr-1727	154	1	the	the	DET
framr-1727	154	2	chosen	choose	VERB
framr-1727	154	3	performance	performance	NOUN
framr-1727	154	4	indicators	indicator	NOUN
framr-1727	154	5	were	be	AUX
framr-1727	154	6	roa	roa	PROPN
framr-1727	154	7	,	,	PUNCT
framr-1727	154	8	roe	roe	PROPN
framr-1727	154	9	and	and	CCONJ
framr-1727	154	10	eps	eps	PROPN
framr-1727	154	11	.	.	PROPN
framr-1727	155	1	the	the	DET
framr-1727	155	2	analysis	analysis	NOUN
framr-1727	155	3	yielded	yield	VERB
framr-1727	155	4	mixed	mixed	ADJ
framr-1727	155	5	findings	finding	NOUN
framr-1727	155	6	while	while	SCONJ
framr-1727	155	7	some	some	DET
framr-1727	155	8	banks	bank	NOUN
framr-1727	155	9	showed	show	VERB
framr-1727	155	10	positive	positive	ADJ
framr-1727	155	11	and	and	CCONJ
framr-1727	155	12	significant	significant	ADJ
framr-1727	155	13	impact	impact	NOUN
framr-1727	155	14	others	other	NOUN
framr-1727	155	15	displayed	display	VERB
framr-1727	155	16	negative	negative	ADJ
framr-1727	155	17	impact	impact	NOUN
framr-1727	155	18	.	.	PUNCT
framr-1727	156	1	badreldin	badreldin	ADJ
framr-1727	156	2	and	and	CCONJ
framr-1727	156	3	kalhoefer	kalhoefer	PROPN
framr-1727	156	4	(	(	PUNCT
framr-1727	156	5	2009	2009	NUM
framr-1727	156	6	)	)	PUNCT
framr-1727	156	7	examined	examine	VERB
framr-1727	156	8	the	the	DET
framr-1727	156	9	impact	impact	NOUN
framr-1727	156	10	of	of	ADP
framr-1727	156	11	mergers	merger	NOUN
framr-1727	156	12	and	and	CCONJ
framr-1727	156	13	acquisitions	acquisition	NOUN
framr-1727	156	14	on	on	ADP
framr-1727	156	15	performance	performance	NOUN
framr-1727	156	16	of	of	ADP
framr-1727	156	17	egyptian	egyptian	ADJ
framr-1727	156	18	banks	bank	NOUN
framr-1727	156	19	for	for	ADP
framr-1727	156	20	the	the	DET
framr-1727	156	21	period	period	NOUN
framr-1727	156	22	20022007	20022007	NUM
framr-1727	156	23	.	.	PUNCT
framr-1727	157	1	the	the	DET
framr-1727	157	2	study	study	NOUN
framr-1727	157	3	employed	employ	VERB
framr-1727	157	4	extensive	extensive	ADJ
framr-1727	157	5	ratio	ratio	NOUN
framr-1727	157	6	analysis	analysis	NOUN
framr-1727	157	7	of	of	ADP
framr-1727	157	8	selected	select	VERB
framr-1727	157	9	performance	performance	NOUN
framr-1727	157	10	indicators	indicator	NOUN
framr-1727	157	11	of	of	ADP
framr-1727	157	12	the	the	DET
framr-1727	157	13	different	different	ADJ
framr-1727	157	14	categories	category	NOUN
framr-1727	157	15	of	of	ADP
framr-1727	157	16	banks	bank	NOUN
framr-1727	157	17	involved	involve	VERB
framr-1727	157	18	in	in	ADP
framr-1727	157	19	mergers	merger	NOUN
framr-1727	157	20	and	and	CCONJ
framr-1727	157	21	acquisitions	acquisition	NOUN
framr-1727	157	22	.	.	PUNCT
framr-1727	158	1	findings	finding	NOUN
framr-1727	158	2	indicated	indicate	VERB
framr-1727	158	3	that	that	SCONJ
framr-1727	158	4	mergers	merger	NOUN
framr-1727	158	5	and	and	CCONJ
framr-1727	158	6	acquisitions	acquisition	NOUN
framr-1727	158	7	have	have	AUX
framr-1727	158	8	not	not	PART
framr-1727	158	9	had	have	VERB
framr-1727	158	10	a	a	DET
framr-1727	158	11	clear	clear	ADJ
framr-1727	158	12	effect	effect	NOUN
framr-1727	158	13	on	on	ADP
framr-1727	158	14	the	the	DET
framr-1727	158	15	profitability	profitability	NOUN
framr-1727	158	16	of	of	ADP
framr-1727	158	17	banks	bank	NOUN
framr-1727	158	18	in	in	ADP
framr-1727	158	19	the	the	DET
framr-1727	158	20	egyptian	egyptian	ADJ
framr-1727	158	21	banking	banking	NOUN
framr-1727	158	22	sector	sector	NOUN
framr-1727	158	23	.	.	PUNCT
framr-1727	159	1	6	6	X
framr-1727	159	2	.	.	X
framr-1727	159	3	research	research	NOUN
framr-1727	159	4	methodology	methodology	NOUN
framr-1727	159	5	the	the	DET
framr-1727	159	6	research	research	NOUN
framr-1727	159	7	design	design	NOUN
framr-1727	159	8	adopted	adopt	VERB
framr-1727	159	9	in	in	ADP
framr-1727	159	10	this	this	DET
framr-1727	159	11	work	work	NOUN
framr-1727	159	12	is	be	AUX
framr-1727	159	13	ex	ex	ADJ
framr-1727	159	14	-	-	ADJ
framr-1727	159	15	post	post	X
framr-1727	159	16	facto	facto	X
framr-1727	159	17	and	and	CCONJ
framr-1727	159	18	the	the	DET
framr-1727	159	19	population	population	NOUN
framr-1727	159	20	is	be	AUX
framr-1727	159	21	the	the	DET
framr-1727	159	22	entire	entire	ADJ
framr-1727	159	23	deposit	deposit	NOUN
framr-1727	159	24	money	money	NOUN
framr-1727	159	25	banks	bank	NOUN
framr-1727	159	26	in	in	ADP
framr-1727	159	27	nigeria	nigeria	PROPN
framr-1727	159	28	within	within	ADP
framr-1727	159	29	the	the	DET
framr-1727	159	30	period	period	NOUN
framr-1727	159	31	covered	cover	VERB
framr-1727	159	32	by	by	ADP
framr-1727	159	33	the	the	DET
framr-1727	159	34	study	study	NOUN
framr-1727	159	35	.	.	PUNCT
framr-1727	160	1	secondary	secondary	ADJ
framr-1727	160	2	data	datum	NOUN
framr-1727	160	3	collected	collect	VERB
framr-1727	160	4	from	from	ADP
framr-1727	160	5	2015	2015	NUM
framr-1727	160	6	statistical	statistical	ADJ
framr-1727	160	7	bulletin	bulletin	NOUN
framr-1727	160	8	of	of	ADP
framr-1727	160	9	central	central	ADJ
framr-1727	160	10	bank	bank	PROPN
framr-1727	160	11	of	of	ADP
framr-1727	160	12	nigeria	nigeria	PROPN
framr-1727	160	13	were	be	AUX
framr-1727	160	14	used	use	VERB
framr-1727	160	15	.	.	PUNCT
framr-1727	161	1	the	the	DET
framr-1727	161	2	relevant	relevant	ADJ
framr-1727	161	3	data	datum	NOUN
framr-1727	161	4	were	be	AUX
framr-1727	161	5	annual	annual	ADJ
framr-1727	161	6	aggregate	aggregate	ADJ
framr-1727	161	7	deposit	deposit	NOUN
framr-1727	161	8	liabilities	liability	NOUN
framr-1727	161	9	of	of	ADP
framr-1727	161	10	the	the	DET
framr-1727	161	11	nigerian	nigerian	ADJ
framr-1727	161	12	banking	banking	NOUN
framr-1727	161	13	sector	sector	NOUN
framr-1727	161	14	decomposed	decompose	VERB
framr-1727	161	15	to	to	ADP
framr-1727	161	16	private	private	ADJ
framr-1727	161	17	sector	sector	NOUN
framr-1727	161	18	deposits	deposit	NOUN
framr-1727	161	19	and	and	CCONJ
framr-1727	161	20	public	public	ADJ
framr-1727	161	21	sector	sector	NOUN
framr-1727	161	22	deposits	deposit	NOUN
framr-1727	161	23	respectively	respectively	ADV
framr-1727	161	24	for	for	ADP
framr-1727	161	25	the	the	DET
framr-1727	161	26	period	period	NOUN
framr-1727	161	27	covering	cover	VERB
framr-1727	161	28	1995	1995	NUM
framr-1727	161	29	to	to	ADP
framr-1727	161	30	2015	2015	NUM
framr-1727	161	31	.	.	PUNCT
framr-1727	162	1	for	for	ADP
framr-1727	162	2	the	the	DET
framr-1727	162	3	purpose	purpose	NOUN
framr-1727	162	4	of	of	ADP
framr-1727	162	5	the	the	DET
framr-1727	162	6	paired	pair	VERB
framr-1727	162	7	student	student	NOUN
framr-1727	162	8	t	t	PROPN
framr-1727	162	9	-	-	PUNCT
framr-1727	162	10	test	test	NOUN
framr-1727	162	11	,	,	PUNCT
framr-1727	162	12	the	the	DET
framr-1727	162	13	period	period	NOUN
framr-1727	162	14	is	be	AUX
framr-1727	162	15	categorized	categorize	VERB
framr-1727	162	16	into	into	ADP
framr-1727	162	17	pre	pre	ADJ
framr-1727	162	18	mergers	merger	NOUN
framr-1727	162	19	era	era	NOUN
framr-1727	162	20	of	of	ADP
framr-1727	162	21	10	10	NUM
framr-1727	162	22	years	year	NOUN
framr-1727	162	23	from	from	ADP
framr-1727	162	24	1995	1995	NUM
framr-1727	162	25	to	to	ADP
framr-1727	162	26	2004	2004	NUM
framr-1727	162	27	and	and	CCONJ
framr-1727	162	28	post	post	VERB
framr-1727	162	29	mergers	merger	NOUN
framr-1727	162	30	period	period	NOUN
framr-1727	162	31	of	of	ADP
framr-1727	162	32	10	10	NUM
framr-1727	162	33	years	year	NOUN
framr-1727	162	34	from	from	ADP
framr-1727	162	35	2006	2006	NUM
framr-1727	162	36	to	to	ADP
framr-1727	162	37	2015	2015	NUM
framr-1727	162	38	with	with	ADP
framr-1727	162	39	2005	2005	NUM
framr-1727	162	40	as	as	ADP
framr-1727	162	41	the	the	DET
framr-1727	162	42	base	base	NOUN
framr-1727	162	43	year	year	NOUN
framr-1727	162	44	.	.	PUNCT
framr-1727	163	1	multiple	multiple	ADJ
framr-1727	163	2	regression	regression	NOUN
framr-1727	163	3	approach	approach	NOUN
framr-1727	163	4	(	(	PUNCT
framr-1727	163	5	with	with	ADP
framr-1727	163	6	ordinary	ordinary	ADJ
framr-1727	163	7	least	least	ADJ
framr-1727	163	8	square	square	ADJ
framr-1727	163	9	method	method	NOUN
framr-1727	163	10	for	for	ADP
framr-1727	163	11	estimating	estimate	VERB
framr-1727	163	12	parameters	parameter	NOUN
framr-1727	163	13	)	)	PUNCT
framr-1727	163	14	was	be	AUX
framr-1727	163	15	employed	employ	VERB
framr-1727	163	16	in	in	ADP
framr-1727	163	17	addition	addition	NOUN
framr-1727	163	18	to	to	ADP
framr-1727	163	19	the	the	DET
framr-1727	163	20	financial	financial	ADJ
framr-1727	163	21	risk	risk	NOUN
framr-1727	163	22	and	and	CCONJ
framr-1727	163	23	management	management	NOUN
framr-1727	163	24	reviews	review	NOUN
framr-1727	163	25	,	,	PUNCT
framr-1727	163	26	2018	2018	NUM
framr-1727	163	27	,	,	PUNCT
framr-1727	163	28	4(1	4(1	NOUN
framr-1727	163	29	):	):	PUNCT
framr-1727	163	30	34	34	NUM
framr-1727	163	31	-	-	SYM
framr-1727	163	32	48	48	NUM
framr-1727	163	33	40	40	NUM
framr-1727	163	34	©	©	PROPN
framr-1727	163	35	2018	2018	NUM
framr-1727	163	36	conscientia	conscientia	PROPN
framr-1727	163	37	beam	beam	PROPN
framr-1727	163	38	.	.	PUNCT
framr-1727	164	1	all	all	DET
framr-1727	164	2	rights	right	NOUN
framr-1727	164	3	reserved	reserve	VERB
framr-1727	164	4	.	.	PUNCT
framr-1727	165	1	paired	pair	VERB
framr-1727	165	2	student	student	NOUN
framr-1727	165	3	t	t	PROPN
framr-1727	165	4	-	-	PUNCT
framr-1727	165	5	test	test	NOUN
framr-1727	165	6	with	with	ADP
framr-1727	165	7	the	the	DET
framr-1727	165	8	aid	aid	NOUN
framr-1727	165	9	of	of	ADP
framr-1727	165	10	statistical	statistical	ADJ
framr-1727	165	11	package	package	NOUN
framr-1727	165	12	for	for	ADP
framr-1727	165	13	social	social	ADJ
framr-1727	165	14	sciences	science	NOUN
framr-1727	165	15	version	version	PROPN
framr-1727	165	16	20	20	NUM
framr-1727	165	17	spss	spss	NOUN
framr-1727	165	18	(	(	PUNCT
framr-1727	165	19	20	20	NUM
framr-1727	165	20	)	)	PUNCT
framr-1727	165	21	.	.	PUNCT
framr-1727	166	1	the	the	DET
framr-1727	166	2	adopted	adopt	VERB
framr-1727	166	3	models	model	NOUN
framr-1727	166	4	follow	follow	VERB
framr-1727	166	5	the	the	DET
framr-1727	166	6	approach	approach	NOUN
framr-1727	166	7	adopted	adopt	VERB
framr-1727	166	8	in	in	ADP
framr-1727	166	9	ailemen	aileman	NOUN
framr-1727	166	10	and	and	CCONJ
framr-1727	166	11	oyero	oyero	PROPN
framr-1727	166	12	(	(	PUNCT
framr-1727	166	13	2013	2013	NUM
framr-1727	166	14	)	)	PUNCT
framr-1727	166	15	and	and	CCONJ
framr-1727	166	16	odetayo	odetayo	NOUN
framr-1727	166	17	et	et	PROPN
framr-1727	166	18	al	al	PROPN
framr-1727	166	19	.	.	PROPN
framr-1727	167	1	(	(	PUNCT
framr-1727	167	2	2013	2013	NUM
framr-1727	167	3	)	)	PUNCT
framr-1727	167	4	respectively	respectively	ADV
framr-1727	167	5	for	for	ADP
framr-1727	167	6	the	the	DET
framr-1727	167	7	multiple	multiple	ADJ
framr-1727	167	8	regression	regression	NOUN
framr-1727	167	9	analysis	analysis	NOUN
framr-1727	167	10	and	and	CCONJ
framr-1727	167	11	the	the	DET
framr-1727	167	12	approach	approach	NOUN
framr-1727	167	13	in	in	ADP
framr-1727	167	14	okpanachi	okpanachi	PROPN
framr-1727	167	15	(	(	PUNCT
framr-1727	167	16	2011	2011	NUM
framr-1727	167	17	)	)	PUNCT
framr-1727	167	18	for	for	ADP
framr-1727	167	19	the	the	DET
framr-1727	167	20	paired	pair	VERB
framr-1727	167	21	student	student	NOUN
framr-1727	167	22	t	t	PROPN
framr-1727	167	23	-	-	PUNCT
framr-1727	167	24	test	test	NOUN
framr-1727	167	25	.	.	PUNCT
framr-1727	168	1	the	the	DET
framr-1727	168	2	general	general	ADJ
framr-1727	168	3	equation	equation	NOUN
framr-1727	168	4	for	for	ADP
framr-1727	168	5	multiple	multiple	ADJ
framr-1727	168	6	regression	regression	NOUN
framr-1727	168	7	is	be	AUX
framr-1727	168	8	given	give	VERB
framr-1727	168	9	as	as	SCONJ
framr-1727	168	10	follows	follow	VERB
framr-1727	168	11	:	:	PUNCT
framr-1727	169	1	yi	yi	PROPN
framr-1727	169	2	=	=	PUNCT
framr-1727	169	3	0+1ix1i+2x2i	0+1ix1i+2x2i	PROPN
framr-1727	169	4	+	+	NOUN
framr-1727	169	5	…	…	PROPN
framr-1727	169	6	nxni	nxni	PROPN
framr-1727	169	7	+	+	X
framr-1727	169	8	µi	µi	PROPN
framr-1727	169	9	.	.	PUNCT
framr-1727	170	1	(	(	PUNCT
framr-1727	170	2	gujarati	gujarati	PROPN
framr-1727	170	3	,	,	PUNCT
framr-1727	170	4	2006	2006	NUM
framr-1727	170	5	;	;	PUNCT
framr-1727	170	6	osuala	osuala	ADJ
framr-1727	170	7	,	,	PUNCT
framr-1727	170	8	2010	2010	NUM
framr-1727	170	9	)	)	PUNCT
framr-1727	170	10	…	…	PUNCT
framr-1727	170	11	…	…	PUNCT
framr-1727	170	12	…	…	PUNCT
framr-1727	170	13	…	…	PUNCT
framr-1727	170	14	…	…	PUNCT
framr-1727	170	15	…	…	PUNCT
framr-1727	170	16	…	…	PUNCT
framr-1727	170	17	…	…	PUNCT
framr-1727	170	18	.(1	.(1	NUM
framr-1727	170	19	)	)	PUNCT
framr-1727	171	1	where	where	SCONJ
framr-1727	171	2	:	:	PUNCT
framr-1727	171	3	yi	yi	X
framr-1727	172	1	=	=	PUNCT
framr-1727	173	1	the	the	DET
framr-1727	173	2	dependent	dependent	ADJ
framr-1727	173	3	variable(s	variable(s	NOUN
framr-1727	173	4	)	)	PUNCT
framr-1727	173	5	xi	xi	X
framr-1727	174	1	=	=	PUNCT
framr-1727	174	2	the	the	DET
framr-1727	174	3	independent	independent	ADJ
framr-1727	174	4	variables	variable	NOUN
framr-1727	174	5	0	0	ADV
framr-1727	175	1	=	=	X
framr-1727	175	2	the	the	DET
framr-1727	175	3	intercept	intercept	NOUN
framr-1727	175	4	i	i	NOUN
framr-1727	175	5	=	=	PUNCT
framr-1727	175	6	the	the	DET
framr-1727	175	7	slope	slope	NOUN
framr-1727	175	8	(	(	PUNCT
framr-1727	175	9	beta	beta	NOUN
framr-1727	175	10	)	)	PUNCT
framr-1727	175	11	associated	associate	VERB
framr-1727	175	12	with	with	ADP
framr-1727	175	13	xi	xi	X
framr-1727	175	14	µi	µi	PROPN
framr-1727	175	15	=	=	SYM
framr-1727	175	16	error	error	NOUN
framr-1727	175	17	/	/	SYM
framr-1727	175	18	disturbance	disturbance	NOUN
framr-1727	175	19	term	term	NOUN
framr-1727	175	20	this	this	PRON
framr-1727	175	21	translates	translate	VERB
framr-1727	175	22	to	to	ADP
framr-1727	175	23	an	an	DET
framr-1727	175	24	econometric	econometric	ADJ
framr-1727	175	25	equation	equation	NOUN
framr-1727	175	26	expressed	express	VERB
framr-1727	175	27	as	as	SCONJ
framr-1727	175	28	follows	follow	VERB
framr-1727	175	29	:	:	PUNCT
framr-1727	175	30	dci	dci	PROPN
framr-1727	175	31	=	=	SYM
framr-1727	175	32	0+1	0+1	PROPN
framr-1727	175	33	dm	dm	PROPN
framr-1727	176	1	+	+	NOUN
framr-1727	176	2	2sfi	2sfi	NOUN
framr-1727	176	3	+	+	CCONJ
framr-1727	176	4	µi	µi	X
framr-1727	176	5	…	…	PUNCT
framr-1727	176	6	.(2	.(2	NUM
framr-1727	176	7	)	)	PUNCT
framr-1727	177	1	where	where	SCONJ
framr-1727	177	2	:	:	PUNCT
framr-1727	177	3	dc	dc	PROPN
framr-1727	177	4	=	=	PUNCT
framr-1727	177	5	the	the	DET
framr-1727	177	6	dependent	dependent	ADJ
framr-1727	177	7	variable	variable	NOUN
framr-1727	177	8	representing	represent	VERB
framr-1727	177	9	depositors	depositor	NOUN
framr-1727	177	10	’	’	PART
framr-1727	177	11	confidence	confidence	NOUN
framr-1727	177	12	dm	dm	NOUN
framr-1727	177	13	=	=	PUNCT
framr-1727	177	14	dummy	dummy	ADJ
framr-1727	177	15	merger	merger	NOUN
framr-1727	177	16	dummy	dummy	NOUN
framr-1727	177	17	(	(	PUNCT
framr-1727	177	18	ailemen	aileman	NOUN
framr-1727	177	19	and	and	CCONJ
framr-1727	177	20	oyero	oyero	PROPN
framr-1727	177	21	,	,	PUNCT
framr-1727	177	22	2013	2013	NUM
framr-1727	177	23	)	)	PUNCT
framr-1727	177	24	sf	sf	NOUN
framr-1727	177	25	=	=	PUNCT
framr-1727	177	26	shareholders	shareholder	NOUN
framr-1727	177	27	’	'	PUNCT
framr-1727	177	28	funds	fund	NOUN
framr-1727	177	29	(	(	PUNCT
framr-1727	177	30	odetayo	odetayo	NOUN
framr-1727	177	31	et	et	PROPN
framr-1727	177	32	al	al	PROPN
framr-1727	177	33	.	.	PROPN
framr-1727	177	34	,	,	PUNCT
framr-1727	177	35	2013	2013	NUM
framr-1727	177	36	)	)	PUNCT
framr-1727	177	37	this	this	PRON
framr-1727	177	38	implies	imply	VERB
framr-1727	177	39	that	that	SCONJ
framr-1727	177	40	,	,	PUNCT
framr-1727	177	41	depositors	depositor	NOUN
framr-1727	177	42	’	’	PART
framr-1727	177	43	confidence	confidence	NOUN
framr-1727	177	44	is	be	AUX
framr-1727	177	45	a	a	DET
framr-1727	177	46	function	function	NOUN
framr-1727	177	47	of	of	ADP
framr-1727	177	48	merger	merger	NOUN
framr-1727	177	49	and	and	CCONJ
framr-1727	177	50	acquisitions	acquisition	NOUN
framr-1727	177	51	:	:	PUNCT
framr-1727	177	52	dc	dc	PROPN
framr-1727	177	53	=	=	PUNCT
framr-1727	177	54	(	(	PUNCT
framr-1727	177	55	mergers	merger	NOUN
framr-1727	177	56	and	and	CCONJ
framr-1727	177	57	acquisitions	acquisition	NOUN
framr-1727	177	58	)	)	PUNCT
framr-1727	177	59	where	where	SCONJ
framr-1727	177	60	mergers	merger	NOUN
framr-1727	177	61	/acquisitions	/acquisition	VERB
framr-1727	177	62	is	be	AUX
framr-1727	177	63	proxied	proxie	VERB
framr-1727	177	64	by	by	ADP
framr-1727	177	65	dummy	dummy	ADJ
framr-1727	177	66	merger	merger	NOUN
framr-1727	177	67	and	and	CCONJ
framr-1727	177	68	shareholders	shareholder	NOUN
framr-1727	177	69	’	'	PUNCT
framr-1727	177	70	funds	fund	NOUN
framr-1727	177	71	translating	translate	VERB
framr-1727	177	72	to	to	ADP
framr-1727	177	73	:	:	PUNCT
framr-1727	177	74	depositors	depositor	NOUN
framr-1727	177	75	’	’	PART
framr-1727	177	76	confidence	confidence	NOUN
framr-1727	177	77	=	=	PUNCT
framr-1727	177	78	.	.	PUNCT
framr-1727	178	1	depositors	depositor	NOUN
framr-1727	178	2	’	’	PART
framr-1727	178	3	confidence	confidence	NOUN
framr-1727	178	4	is	be	AUX
framr-1727	178	5	measured	measure	VERB
framr-1727	178	6	by	by	ADP
framr-1727	178	7	the	the	DET
framr-1727	178	8	aggregate	aggregate	ADJ
framr-1727	178	9	private	private	ADJ
framr-1727	178	10	sector	sector	NOUN
framr-1727	178	11	deposits	deposit	NOUN
framr-1727	178	12	,	,	PUNCT
framr-1727	178	13	aggregate	aggregate	ADJ
framr-1727	178	14	public	public	ADJ
framr-1727	178	15	sector	sector	NOUN
framr-1727	178	16	deposits	deposit	NOUN
framr-1727	178	17	and	and	CCONJ
framr-1727	178	18	overall	overall	ADJ
framr-1727	178	19	deposits	deposit	NOUN
framr-1727	178	20	held	hold	VERB
framr-1727	178	21	by	by	ADP
framr-1727	178	22	the	the	DET
framr-1727	178	23	deposit	deposit	NOUN
framr-1727	178	24	money	money	NOUN
framr-1727	178	25	banks	bank	NOUN
framr-1727	178	26	in	in	ADP
framr-1727	178	27	nigeria	nigeria	PROPN
framr-1727	178	28	(	(	PUNCT
framr-1727	178	29	ugwuanyi	ugwuanyi	PROPN
framr-1727	178	30	,	,	PUNCT
framr-1727	178	31	2014	2014	NUM
framr-1727	178	32	)	)	PUNCT
framr-1727	178	33	.	.	PUNCT
framr-1727	179	1	6.1	6.1	NUM
framr-1727	179	2	.	.	PUNCT
framr-1727	179	3	paired	pair	VERB
framr-1727	179	4	student	student	NOUN
framr-1727	179	5	t	t	PROPN
framr-1727	179	6	-	-	PUNCT
framr-1727	179	7	test	test	NOUN
framr-1727	179	8	model	model	NOUN
framr-1727	179	9	under	under	ADP
framr-1727	179	10	this	this	DET
framr-1727	179	11	second	second	ADJ
framr-1727	179	12	model	model	NOUN
framr-1727	179	13	,	,	PUNCT
framr-1727	179	14	hypotheses	hypothesis	NOUN
framr-1727	179	15	were	be	AUX
framr-1727	179	16	tested	test	VERB
framr-1727	179	17	using	use	VERB
framr-1727	179	18	paired	pair	VERB
framr-1727	179	19	student	student	NOUN
framr-1727	179	20	t	t	PROPN
framr-1727	179	21	-	-	PUNCT
framr-1727	179	22	test	test	NOUN
framr-1727	179	23	for	for	ADP
framr-1727	179	24	unequal	unequal	ADJ
framr-1727	179	25	variances	variance	NOUN
framr-1727	179	26	.	.	PUNCT
framr-1727	180	1	the	the	DET
framr-1727	180	2	relevant	relevant	ADJ
framr-1727	180	3	paired	pair	VERB
framr-1727	180	4	student	student	NOUN
framr-1727	180	5	t	t	PROPN
framr-1727	180	6	-	-	PUNCT
framr-1727	180	7	test	test	NOUN
framr-1727	180	8	model	model	NOUN
framr-1727	180	9	for	for	ADP
framr-1727	180	10	unequal	unequal	ADJ
framr-1727	180	11	variances	variance	NOUN
framr-1727	180	12	used	use	VERB
framr-1727	180	13	in	in	ADP
framr-1727	180	14	this	this	DET
framr-1727	180	15	study	study	NOUN
framr-1727	180	16	is	be	AUX
framr-1727	180	17	given	give	VERB
framr-1727	180	18	as	as	ADP
framr-1727	180	19	(	(	PUNCT
framr-1727	180	20	3	3	NUM
framr-1727	180	21	)	)	PUNCT
framr-1727	180	22	…	…	PUNCT
framr-1727	180	23	…	…	PUNCT
framr-1727	180	24	…	…	PUNCT
framr-1727	180	25	…	…	PUNCT
framr-1727	180	26	…	…	PUNCT
framr-1727	180	27	…	…	PUNCT
framr-1727	180	28	…	…	PUNCT
framr-1727	180	29	…	…	PUNCT
framr-1727	180	30	…	…	PUNCT
framr-1727	180	31	…	…	PUNCT
framr-1727	180	32	…	…	PUNCT
framr-1727	180	33	…	…	PUNCT
framr-1727	180	34	…	…	PUNCT
framr-1727	180	35	…	…	PUNCT
framr-1727	180	36	…	…	PUNCT
framr-1727	180	37	…	…	PUNCT
framr-1727	180	38	…	…	PUNCT
framr-1727	180	39	…	…	PUNCT
framr-1727	180	40	…	…	PUNCT
framr-1727	180	41	…	…	PUNCT
framr-1727	180	42	…	…	PUNCT
framr-1727	180	43	…	…	PUNCT
framr-1727	180	44	…	…	PUNCT
framr-1727	180	45	…	…	PUNCT
framr-1727	180	46	…	…	PUNCT
framr-1727	180	47	…	…	PUNCT
framr-1727	180	48	…	…	PUNCT
framr-1727	180	49	...	...	PUNCT
framr-1727	180	50	(	(	PUNCT
framr-1727	180	51	3	3	NUM
framr-1727	180	52	)	)	PUNCT
framr-1727	181	1	where	where	SCONJ
framr-1727	181	2	:	:	PUNCT
framr-1727	181	3	t	t	X
framr-1727	181	4	=	=	PUNCT
framr-1727	181	5	the	the	DET
framr-1727	181	6	t	t	PROPN
framr-1727	181	7	-	-	PUNCT
framr-1727	181	8	test	test	NOUN
framr-1727	181	9	statistic	statistic	NOUN
framr-1727	181	10	s	s	PROPN
framr-1727	181	11	=	=	PUNCT
framr-1727	182	1	the	the	DET
framr-1727	182	2	standard	standard	ADJ
framr-1727	182	3	deviation	deviation	NOUN
framr-1727	182	4	for	for	ADP
framr-1727	182	5	the	the	DET
framr-1727	182	6	paired	pair	VERB
framr-1727	182	7	data	data	NOUN
framr-1727	182	8	,	,	PUNCT
framr-1727	182	9	n	n	NOUN
framr-1727	182	10	=	=	PRON
framr-1727	182	11	the	the	DET
framr-1727	182	12	sample	sample	NOUN
framr-1727	182	13	size	size	NOUN
framr-1727	182	14	/	/	SYM
framr-1727	182	15	number	number	NOUN
framr-1727	182	16	of	of	ADP
framr-1727	182	17	years	year	NOUN
framr-1727	182	18	and	and	CCONJ
framr-1727	182	19	ȳ	ȳ	PROPN
framr-1727	182	20	are	be	AUX
framr-1727	182	21	the	the	DET
framr-1727	182	22	respective	respective	ADJ
framr-1727	182	23	means	mean	NOUN
framr-1727	182	24	of	of	ADP
framr-1727	182	25	the	the	DET
framr-1727	182	26	pair	pair	NOUN
framr-1727	182	27	of	of	ADP
framr-1727	182	28	data	datum	NOUN
framr-1727	182	29	in	in	ADP
framr-1727	182	30	x	x	PUNCT
framr-1727	182	31	and	and	CCONJ
framr-1727	182	32	y	y	PROPN
framr-1727	182	33	group	group	NOUN
framr-1727	182	34	/	/	SYM
framr-1727	182	35	periods	period	NOUN
framr-1727	182	36	,	,	PUNCT
framr-1727	182	37	and	and	CCONJ
framr-1727	182	38	in	in	ADP
framr-1727	182	39	the	the	DET
framr-1727	182	40	case	case	NOUN
framr-1727	182	41	of	of	ADP
framr-1727	182	42	this	this	DET
framr-1727	182	43	study	study	NOUN
framr-1727	182	44	:	:	PUNCT
framr-1727	182	45	pre	pre	ADJ
framr-1727	182	46	merger	merger	NOUN
framr-1727	182	47	period	period	NOUN
framr-1727	182	48	and	and	CCONJ
framr-1727	182	49	post	post	VERB
framr-1727	182	50	merger	merger	NOUN
framr-1727	182	51	era	era	NOUN
framr-1727	182	52	respectively	respectively	ADV
framr-1727	182	53	.	.	PUNCT
framr-1727	183	1	a	a	DET
framr-1727	183	2	paired	pair	VERB
framr-1727	183	3	t	t	NOUN
framr-1727	183	4	-	-	PUNCT
framr-1727	183	5	test	test	NOUN
framr-1727	183	6	is	be	AUX
framr-1727	183	7	used	use	VERB
framr-1727	183	8	to	to	PART
framr-1727	183	9	compare	compare	VERB
framr-1727	183	10	two	two	NUM
framr-1727	183	11	population	population	NOUN
framr-1727	183	12	means	mean	VERB
framr-1727	183	13	where	where	SCONJ
framr-1727	183	14	there	there	PRON
framr-1727	183	15	are	be	VERB
framr-1727	183	16	two	two	NUM
framr-1727	183	17	samples	sample	NOUN
framr-1727	183	18	in	in	ADP
framr-1727	183	19	which	which	PRON
framr-1727	183	20	observations	observation	NOUN
framr-1727	183	21	in	in	ADP
framr-1727	183	22	one	one	NUM
framr-1727	183	23	sample	sample	NOUN
framr-1727	183	24	can	can	AUX
framr-1727	183	25	be	be	AUX
framr-1727	183	26	paired	pair	VERB
framr-1727	183	27	with	with	ADP
framr-1727	183	28	observations	observation	NOUN
framr-1727	183	29	in	in	ADP
framr-1727	183	30	the	the	DET
framr-1727	183	31	other	other	ADJ
framr-1727	183	32	sample	sample	NOUN
framr-1727	183	33	(	(	PUNCT
framr-1727	183	34	shier	shier	NOUN
framr-1727	183	35	,	,	PUNCT
framr-1727	183	36	2004	2004	NUM
framr-1727	183	37	)	)	PUNCT
framr-1727	183	38	.	.	PUNCT
framr-1727	184	1	7	7	X
framr-1727	184	2	.	.	X
framr-1727	184	3	data	datum	NOUN
framr-1727	184	4	presentation	presentation	NOUN
framr-1727	184	5	and	and	CCONJ
framr-1727	184	6	analysis	analysis	NOUN
framr-1727	184	7	a	a	DET
framr-1727	184	8	look	look	NOUN
framr-1727	184	9	at	at	ADP
framr-1727	184	10	table	table	NOUN
framr-1727	184	11	2	2	NUM
framr-1727	184	12	clearly	clearly	ADV
framr-1727	184	13	shows	show	VERB
framr-1727	184	14	an	an	DET
framr-1727	184	15	upward	upward	ADJ
framr-1727	184	16	trend	trend	NOUN
framr-1727	184	17	among	among	ADP
framr-1727	184	18	the	the	DET
framr-1727	184	19	categories	category	NOUN
framr-1727	184	20	of	of	ADP
framr-1727	184	21	deposit	deposit	NOUN
framr-1727	184	22	liabilities	liability	NOUN
framr-1727	184	23	and	and	CCONJ
framr-1727	184	24	the	the	DET
framr-1727	184	25	shareholders	shareholder	NOUN
framr-1727	184	26	’	'	PUNCT
framr-1727	184	27	funds	fund	NOUN
framr-1727	184	28	particularly	particularly	ADV
framr-1727	184	29	from	from	ADP
framr-1727	184	30	2006	2006	NUM
framr-1727	184	31	following	follow	VERB
framr-1727	184	32	successful	successful	ADJ
framr-1727	184	33	mergers	merger	NOUN
framr-1727	184	34	and	and	CCONJ
framr-1727	184	35	acquisitions	acquisition	NOUN
framr-1727	184	36	completed	complete	VERB
framr-1727	184	37	in	in	ADP
framr-1727	184	38	2005	2005	NUM
framr-1727	184	39	.	.	PUNCT
framr-1727	185	1	figure	figure	NOUN
framr-1727	185	2	1	1	NUM
framr-1727	185	3	above	above	ADP
framr-1727	185	4	graphical	graphical	ADJ
framr-1727	185	5	confirms	confirm	VERB
framr-1727	185	6	this	this	DET
framr-1727	185	7	trend	trend	NOUN
framr-1727	185	8	.	.	PUNCT
framr-1727	186	1	however	however	ADV
framr-1727	186	2	,	,	PUNCT
framr-1727	186	3	pud(green	pud(green	NOUN
framr-1727	186	4	)	)	PUNCT
framr-1727	186	5	exhibits	exhibit	VERB
framr-1727	186	6	a	a	DET
framr-1727	186	7	nose	nose	NOUN
framr-1727	186	8	-	-	PUNCT
framr-1727	186	9	dive	dive	NOUN
framr-1727	186	10	in	in	ADP
framr-1727	186	11	2014	2014	NUM
framr-1727	186	12	most	most	ADV
framr-1727	186	13	likely	likely	ADJ
framr-1727	186	14	financial	financial	ADJ
framr-1727	186	15	risk	risk	NOUN
framr-1727	186	16	and	and	CCONJ
framr-1727	186	17	management	management	NOUN
framr-1727	186	18	reviews	review	NOUN
framr-1727	186	19	,	,	PUNCT
framr-1727	186	20	2018	2018	NUM
framr-1727	186	21	,	,	PUNCT
framr-1727	186	22	4(1	4(1	NOUN
framr-1727	186	23	):	):	PUNCT
framr-1727	186	24	34	34	NUM
framr-1727	186	25	-	-	SYM
framr-1727	186	26	48	48	NUM
framr-1727	186	27	41	41	NUM
framr-1727	186	28	©	©	PROPN
framr-1727	186	29	2018	2018	NUM
framr-1727	186	30	conscientia	conscientia	PROPN
framr-1727	186	31	beam	beam	PROPN
framr-1727	186	32	.	.	PUNCT
framr-1727	187	1	all	all	DET
framr-1727	187	2	rights	right	NOUN
framr-1727	187	3	reserved	reserve	VERB
framr-1727	187	4	.	.	PUNCT
framr-1727	188	1	because	because	SCONJ
framr-1727	188	2	of	of	ADP
framr-1727	188	3	governments	government	NOUN
framr-1727	188	4	campaign	campaign	NOUN
framr-1727	188	5	/	/	SYM
framr-1727	188	6	electionrelated	electionrelate	VERB
framr-1727	188	7	spending	spending	NOUN
framr-1727	188	8	for	for	ADP
framr-1727	188	9	the	the	DET
framr-1727	188	10	2015	2015	NUM
framr-1727	188	11	general	general	ADJ
framr-1727	188	12	elections	election	NOUN
framr-1727	188	13	in	in	ADP
framr-1727	188	14	nigeria	nigeria	PROPN
framr-1727	188	15	while	while	SCONJ
framr-1727	188	16	2015	2015	NUM
framr-1727	188	17	is	be	AUX
framr-1727	188	18	affected	affect	VERB
framr-1727	188	19	by	by	ADP
framr-1727	188	20	treasury	treasury	PROPN
framr-1727	188	21	single	single	ADJ
framr-1727	188	22	account	account	NOUN
framr-1727	188	23	policy	policy	NOUN
framr-1727	188	24	took	take	VERB
framr-1727	188	25	off	off	ADP
framr-1727	188	26	from	from	ADP
framr-1727	188	27	2015	2015	NUM
framr-1727	188	28	.	.	PUNCT
framr-1727	189	1	table-2	table-2	NUM
framr-1727	189	2	.	.	PUNCT
framr-1727	190	1	categories	category	NOUN
framr-1727	190	2	of	of	ADP
framr-1727	190	3	deposit	deposit	NOUN
framr-1727	190	4	money	money	NOUN
framr-1727	190	5	bank	bank	NOUN
framr-1727	190	6	deposits	deposit	NOUN
framr-1727	190	7	,	,	PUNCT
framr-1727	190	8	total	total	ADJ
framr-1727	190	9	deposit	deposit	NOUN
framr-1727	190	10	liabilities	liability	NOUN
framr-1727	190	11	and	and	CCONJ
framr-1727	190	12	shareholders	shareholder	NOUN
framr-1727	190	13	’	'	PUNCT
framr-1727	190	14	funds	fund	NOUN
framr-1727	190	15	in	in	ADP
framr-1727	190	16	nigeria	nigeria	PROPN
framr-1727	190	17	(	(	PUNCT
framr-1727	190	18	1995	1995	NUM
framr-1727	190	19	-	-	SYM
framr-1727	190	20	2015	2015	NUM
framr-1727	190	21	)	)	PUNCT
framr-1727	190	22	(	(	PUNCT
framr-1727	190	23	all	all	DET
framr-1727	190	24	figures	figure	NOUN
framr-1727	190	25	except	except	SCONJ
framr-1727	190	26	dm	dm	PROPN
framr-1727	190	27	are	be	AUX
framr-1727	190	28	in	in	ADP
framr-1727	190	29	=	=	NOUN
framr-1727	190	30	n=	n=	ADJ
framr-1727	190	31	billions	billion	NOUN
framr-1727	190	32	)	)	PUNCT
framr-1727	190	33	.	.	PUNCT
framr-1727	191	1	year	year	NOUN
framr-1727	191	2	prd	prd	PROPN
framr-1727	191	3	pud	pud	NOUN
framr-1727	191	4	tdl	tdl	PROPN
framr-1727	192	1	dm	dm	PROPN
framr-1727	192	2	*	*	PROPN
framr-1727	192	3	sf	sf	NOUN
framr-1727	192	4	1995	1995	NUM
framr-1727	192	5	166.3	166.3	NUM
framr-1727	192	6	8.7	8.7	NUM
framr-1727	192	7	182.4	182.4	NUM
framr-1727	192	8	0	0	NUM
framr-1727	192	9	43.2	43.2	NUM
framr-1727	192	10	1996	1996	NUM
framr-1727	192	11	205.1	205.1	NUM
framr-1727	192	12	9.6	9.6	NUM
framr-1727	192	13	220.4	220.4	NUM
framr-1727	192	14	0	0	NUM
framr-1727	192	15	55.6	55.6	NUM
framr-1727	192	16	1997	1997	NUM
framr-1727	192	17	257.2	257.2	NUM
framr-1727	192	18	17.5	17.5	NUM
framr-1727	192	19	280.1	280.1	NUM
framr-1727	192	20	0	0	NUM
framr-1727	192	21	73.9	73.9	NUM
framr-1727	192	22	1998	1998	NUM
framr-1727	192	23	291.6	291.6	NUM
framr-1727	192	24	26.2	26.2	NUM
framr-1727	192	25	327.1	327.1	NUM
framr-1727	192	26	0	0	NUM
framr-1727	193	1	101.4	101.4	NUM
framr-1727	193	2	1999	1999	NUM
framr-1727	193	3	420.7	420.7	NUM
framr-1727	193	4	61.2	61.2	NUM
framr-1727	193	5	516.8	516.8	NUM
framr-1727	193	6	0	0	NUM
framr-1727	193	7	142.0	142.0	NUM
framr-1727	193	8	2000	2000	NUM
framr-1727	193	9	454.2	454.2	NUM
framr-1727	193	10	119.7	119.7	NUM
framr-1727	193	11	775.9	775.9	NUM
framr-1727	193	12	0	0	NUM
framr-1727	194	1	196.7	196.7	NUM
framr-1727	194	2	2001	2001	NUM
framr-1727	194	3	872.8	872.8	NUM
framr-1727	194	4	55.7	55.7	NUM
framr-1727	194	5	975.5	975.5	NUM
framr-1727	194	6	0	0	NUM
framr-1727	194	7	364.3	364.3	NUM
framr-1727	194	8	2002	2002	NUM
framr-1727	194	9	1,000.7	1,000.7	NUM
framr-1727	194	10	100.0	100.0	NUM
framr-1727	194	11	1,209.7	1,209.7	NUM
framr-1727	194	12	0	0	NUM
framr-1727	194	13	500.8	500.8	NUM
framr-1727	194	14	2003	2003	NUM
framr-1727	194	15	1,170.8	1,170.8	NUM
framr-1727	194	16	123.7	123.7	NUM
framr-1727	194	17	1,417.1	1,417.1	NUM
framr-1727	194	18	0	0	NUM
framr-1727	194	19	537.2	537.2	NUM
framr-1727	194	20	2004	2004	NUM
framr-1727	194	21	1,429.4	1,429.4	NUM
framr-1727	194	22	176.7	176.7	NUM
framr-1727	194	23	1,778.7	1,778.7	NUM
framr-1727	194	24	0	0	NUM
framr-1727	194	25	688.1	688.1	NUM
framr-1727	194	26	2005	2005	NUM
framr-1727	194	27	0	0	NUM
framr-1727	194	28	0	0	NUM
framr-1727	194	29	0	0	NUM
framr-1727	194	30	0	0	NUM
framr-1727	194	31	0	0	NUM
framr-1727	194	32	2006	2006	NUM
framr-1727	194	33	2,836.8	2,836.8	NUM
framr-1727	194	34	240.0	240.0	NUM
framr-1727	194	35	3,379.3	3,379.3	NUM
framr-1727	194	36	0	0	NUM
framr-1727	194	37	1,389.0	1,389.0	NUM
framr-1727	194	38	2007	2007	NUM
framr-1727	194	39	4,379.7	4,379.7	NUM
framr-1727	194	40	401.8	401.8	NUM
framr-1727	194	41	5,256.0	5,256.0	NUM
framr-1727	194	42	0	0	NUM
framr-1727	194	43	2,225.0	2,225.0	NUM
framr-1727	194	44	2008	2008	NUM
framr-1727	194	45	6,629.7	6,629.7	NUM
framr-1727	194	46	669.0	669.0	NUM
framr-1727	194	47	8,252.7	8,252.7	NUM
framr-1727	194	48	0	0	NUM
framr-1727	194	49	3,365.0	3,365.0	NUM
framr-1727	194	50	2009	2009	NUM
framr-1727	194	51	7,254.1	7,254.1	NUM
framr-1727	194	52	903.5	903.5	NUM
framr-1727	194	53	9,601.8	9,601.8	NUM
framr-1727	194	54	0	0	NUM
framr-1727	194	55	4,931.0	4,931.0	NUM
framr-1727	194	56	2010	2010	NUM
framr-1727	194	57	7,676.2	7,676.2	NUM
framr-1727	194	58	1,428.6	1,428.6	NUM
framr-1727	194	59	10,610.0	10,610.0	NUM
framr-1727	194	60	0	0	NUM
framr-1727	194	61	2,218.0	2,218.0	NUM
framr-1727	194	62	2011	2011	NUM
framr-1727	194	63	7,368.2	7,368.2	NOUN
framr-1727	194	64	2,798.7	2,798.7	NUM
framr-1727	194	65	12,136.0	12,136.0	NOUN
framr-1727	194	66	0	0	SYM
framr-1727	194	67	3,682.0	3,682.0	NUM
framr-1727	194	68	2012	2012	NUM
framr-1727	194	69	9,585.1	9,585.1	NUM
framr-1727	194	70	1,933.1	1,933.1	NUM
framr-1727	194	71	14,245.0	14,245.0	NUM
framr-1727	194	72	0	0	NUM
framr-1727	194	73	3,638.0	3,638.0	NUM
framr-1727	194	74	2013	2013	NUM
framr-1727	194	75	9,329.0	9,329.0	NUM
framr-1727	194	76	3,968.3	3,968.3	NUM
framr-1727	194	77	16,699.0	16,699.0	NUM
framr-1727	194	78	0	0	NUM
framr-1727	195	1	3,870.0	3,870.0	NUM
framr-1727	195	2	2014	2014	NUM
framr-1727	195	3	11,743.5	11,743.5	NOUN
framr-1727	195	4	1,245.2	1,245.2	NUM
framr-1727	195	5	16,824.0	16,824.0	NUM
framr-1727	195	6	0	0	NUM
framr-1727	195	7	4,334.6	4,334.6	NUM
framr-1727	195	8	2015	2015	NUM
framr-1727	195	9	12,233.9	12,233.9	NUM
framr-1727	195	10	1,610.2	1,610.2	NUM
framr-1727	195	11	18,201.1	18,201.1	NOUN
framr-1727	195	12	0	0	NUM
framr-1727	195	13	4,901.9	4,901.9	NUM
framr-1727	195	14	source	source	NOUN
framr-1727	195	15	:	:	PUNCT
framr-1727	195	16	2015	2015	NUM
framr-1727	195	17	cbn	cbn	VERB
framr-1727	195	18	statistical	statistical	ADJ
framr-1727	195	19	bulletin	bulletin	NOUN
framr-1727	195	20	.	.	PUNCT
framr-1727	196	1	note	note	NOUN
framr-1727	196	2	:	:	PUNCT
framr-1727	196	3	prd	prd	NOUN
framr-1727	196	4	stands	stand	VERB
framr-1727	196	5	for	for	ADP
framr-1727	196	6	all	all	DET
framr-1727	196	7	private	private	ADJ
framr-1727	196	8	sector	sector	NOUN
framr-1727	196	9	deposits	deposit	NOUN
framr-1727	196	10	,	,	PUNCT
framr-1727	196	11	pud	pud	NOUN
framr-1727	196	12	►	►	NOUN
framr-1727	196	13	public	public	ADJ
framr-1727	196	14	sector	sector	NOUN
framr-1727	196	15	deposits	deposit	NOUN
framr-1727	196	16	,	,	PUNCT
framr-1727	196	17	tdl	tdl	PROPN
framr-1727	196	18	►	►	PROPN
framr-1727	196	19	total	total	NOUN
framr-1727	196	20	deposit	deposit	NOUN
framr-1727	196	21	liabilities	liability	NOUN
framr-1727	196	22	of	of	ADP
framr-1727	196	23	the	the	DET
framr-1727	196	24	banks	bank	NOUN
framr-1727	196	25	and	and	CCONJ
framr-1727	196	26	sf	sf	PROPN
framr-1727	196	27	►	►	PROPN
framr-1727	196	28	shareholders	shareholder	NOUN
framr-1727	196	29	funds	fund	NOUN
framr-1727	196	30	.	.	PUNCT
framr-1727	197	1	*	*	PUNCT
framr-1727	197	2	values	value	NOUN
framr-1727	197	3	of	of	ADP
framr-1727	197	4	1s	1s	NUM
framr-1727	197	5	and	and	CCONJ
framr-1727	197	6	0s	0s	NOUN
framr-1727	197	7	were	be	AUX
framr-1727	197	8	assigned	assign	VERB
framr-1727	197	9	to	to	ADP
framr-1727	197	10	the	the	DET
framr-1727	197	11	dummy	dummy	ADJ
framr-1727	197	12	mergers	merger	NOUN
framr-1727	197	13	(	(	PUNCT
framr-1727	197	14	dm	dm	NOUN
framr-1727	197	15	)	)	PUNCT
framr-1727	197	16	.	.	PUNCT
framr-1727	198	1	figure-1	figure-1	NOUN
framr-1727	198	2	.	.	PUNCT
framr-1727	199	1	trends	trend	NOUN
framr-1727	199	2	of	of	ADP
framr-1727	199	3	private	private	ADJ
framr-1727	199	4	sector(prd	sector(prd	NOUN
framr-1727	199	5	)	)	PUNCT
framr-1727	199	6	,	,	PUNCT
framr-1727	199	7	public	public	ADJ
framr-1727	199	8	sector(pud	sector(pud	NOUN
framr-1727	199	9	)	)	PUNCT
framr-1727	199	10	,	,	PUNCT
framr-1727	199	11	total	total	ADJ
framr-1727	199	12	deposits(tdl	deposits(tdl	NOUN
framr-1727	199	13	)	)	PUNCT
framr-1727	199	14	and	and	CCONJ
framr-1727	199	15	capital	capital	NOUN
framr-1727	199	16	base(sf	base(sf	PROPN
framr-1727	199	17	)	)	PUNCT
framr-1727	199	18	before	before	ADP
framr-1727	199	19	and	and	CCONJ
framr-1727	199	20	after	after	ADP
framr-1727	199	21	m	m	PROPN
framr-1727	199	22	&	&	CCONJ
framr-1727	199	23	a.	a.	PROPN
framr-1727	199	24	source	source	NOUN
framr-1727	199	25	:	:	PUNCT
framr-1727	199	26	spss	spss	PROPN
framr-1727	199	27	(	(	PUNCT
framr-1727	199	28	20	20	NUM
framr-1727	199	29	)	)	PUNCT
framr-1727	199	30	graphics	graphic	NOUN
framr-1727	199	31	,	,	PUNCT
framr-1727	199	32	2017	2017	NUM
framr-1727	199	33	financial	financial	ADJ
framr-1727	199	34	risk	risk	NOUN
framr-1727	199	35	and	and	CCONJ
framr-1727	199	36	management	management	NOUN
framr-1727	199	37	reviews	review	NOUN
framr-1727	199	38	,	,	PUNCT
framr-1727	199	39	2018	2018	NUM
framr-1727	199	40	,	,	PUNCT
framr-1727	199	41	4(1	4(1	NOUN
framr-1727	199	42	):	):	PUNCT
framr-1727	199	43	34	34	NUM
framr-1727	199	44	-	-	SYM
framr-1727	199	45	48	48	NUM
framr-1727	199	46	42	42	NUM
framr-1727	199	47	©	©	PROPN
framr-1727	199	48	2018	2018	NUM
framr-1727	199	49	conscientia	conscientia	PROPN
framr-1727	199	50	beam	beam	PROPN
framr-1727	199	51	.	.	PUNCT
framr-1727	200	1	all	all	DET
framr-1727	200	2	rights	right	NOUN
framr-1727	200	3	reserved	reserve	VERB
framr-1727	200	4	.	.	PUNCT
framr-1727	201	1	table-3	table-3	X
framr-1727	201	2	.	.	PUNCT
framr-1727	202	1	categories	category	NOUN
framr-1727	202	2	of	of	ADP
framr-1727	202	3	total	total	ADJ
framr-1727	202	4	depositpre	depositpre	NOUN
framr-1727	202	5	merger	merger	NOUN
framr-1727	202	6	and	and	CCONJ
framr-1727	202	7	post	post	VERB
framr-1727	202	8	merger	merger	NOUN
framr-1727	202	9	periods	period	NOUN
framr-1727	202	10	pre	pre	VERB
framr-1727	202	11	–	–	PUNCT
framr-1727	202	12	merger	merger	NOUN
framr-1727	202	13	period	period	NOUN
framr-1727	202	14	post	post	NOUN
framr-1727	202	15	–	–	PUNCT
framr-1727	202	16	merger	merger	NOUN
framr-1727	202	17	period	period	NOUN
framr-1727	202	18	private	private	ADJ
framr-1727	202	19	sector	sector	NOUN
framr-1727	202	20	(	(	PUNCT
framr-1727	202	21	prd	prd	NOUN
framr-1727	202	22	)	)	PUNCT
framr-1727	202	23	=	=	SYM
framr-1727	202	24	n	n	CCONJ
framr-1727	202	25	=	=	SYM
framr-1727	202	26	bn	bn	ADJ
framr-1727	202	27	public	public	ADJ
framr-1727	202	28	sector	sector	NOUN
framr-1727	202	29	(	(	PUNCT
framr-1727	202	30	pud	pud	NOUN
framr-1727	202	31	)	)	PUNCT
framr-1727	202	32	=	=	SYM
framr-1727	202	33	n	n	CCONJ
framr-1727	202	34	=	=	SYM
framr-1727	202	35	bn	bn	ADJ
framr-1727	202	36	total	total	ADJ
framr-1727	202	37	deposit	deposit	NOUN
framr-1727	202	38	(	(	PUNCT
framr-1727	202	39	tdl	tdl	PROPN
framr-1727	202	40	)	)	PUNCT
framr-1727	202	41	=	=	NOUN
framr-1727	202	42	n	n	CCONJ
framr-1727	202	43	=	=	NOUN
framr-1727	202	44	bn	bn	NUM
framr-1727	202	45	year	year	NOUN
framr-1727	202	46	private	private	ADJ
framr-1727	202	47	sector	sector	NOUN
framr-1727	202	48	(	(	PUNCT
framr-1727	202	49	prd	prd	NOUN
framr-1727	202	50	)	)	PUNCT
framr-1727	202	51	=	=	SYM
framr-1727	202	52	n	n	CCONJ
framr-1727	202	53	=	=	SYM
framr-1727	202	54	bn	bn	ADJ
framr-1727	202	55	public	public	ADJ
framr-1727	202	56	sector	sector	NOUN
framr-1727	202	57	(	(	PUNCT
framr-1727	202	58	pud	pud	NOUN
framr-1727	202	59	)	)	PUNCT
framr-1727	202	60	=	=	SYM
framr-1727	202	61	n	n	CCONJ
framr-1727	202	62	=	=	SYM
framr-1727	202	63	bn	bn	ADJ
framr-1727	202	64	total	total	ADJ
framr-1727	202	65	deposit	deposit	NOUN
framr-1727	202	66	(	(	PUNCT
framr-1727	202	67	tdl	tdl	PROPN
framr-1727	202	68	)	)	PUNCT
framr-1727	202	69	=	=	NOUN
framr-1727	202	70	n	n	CCONJ
framr-1727	202	71	=	=	NOUN
framr-1727	202	72	bn	bn	NOUN
framr-1727	202	73	1995	1995	NUM
framr-1727	202	74	166.3	166.3	NUM
framr-1727	202	75	8.7	8.7	NUM
framr-1727	202	76	182.4	182.4	NUM
framr-1727	202	77	2006	2006	NUM
framr-1727	202	78	2,836.8	2,836.8	NUM
framr-1727	202	79	240.0	240.0	NUM
framr-1727	202	80	2,379.3	2,379.3	NUM
framr-1727	202	81	1996	1996	NUM
framr-1727	202	82	205.1	205.1	NUM
framr-1727	202	83	9.6	9.6	NUM
framr-1727	202	84	220.4	220.4	NUM
framr-1727	202	85	2007	2007	NUM
framr-1727	202	86	4,379.7	4,379.7	NUM
framr-1727	202	87	401.8	401.8	NUM
framr-1727	202	88	5,256.0	5,256.0	NUM
framr-1727	202	89	1997	1997	NUM
framr-1727	202	90	257.2	257.2	NUM
framr-1727	202	91	17.5	17.5	NUM
framr-1727	202	92	280.1	280.1	NUM
framr-1727	202	93	2008	2008	NUM
framr-1727	202	94	6,629.7	6,629.7	NUM
framr-1727	202	95	699.0	699.0	NUM
framr-1727	202	96	8,252.7	8,252.7	NUM
framr-1727	202	97	1998	1998	NUM
framr-1727	202	98	291.6	291.6	NUM
framr-1727	202	99	26.2	26.2	NUM
framr-1727	202	100	327.1	327.1	NUM
framr-1727	202	101	2009	2009	NUM
framr-1727	202	102	7,254.1	7,254.1	NUM
framr-1727	202	103	903.5	903.5	NUM
framr-1727	202	104	9,601.8	9,601.8	NUM
framr-1727	202	105	1999	1999	NUM
framr-1727	202	106	420.7	420.7	NUM
framr-1727	202	107	61.2	61.2	NUM
framr-1727	202	108	516.8	516.8	NUM
framr-1727	202	109	2010	2010	NUM
framr-1727	202	110	7,676.2	7,676.2	NUM
framr-1727	202	111	1,427.6	1,427.6	NUM
framr-1727	202	112	10,610.2	10,610.2	NOUN
framr-1727	202	113	2000	2000	NUM
framr-1727	202	114	454.2	454.2	NUM
framr-1727	202	115	119.7	119.7	NUM
framr-1727	202	116	775.9	775.9	NUM
framr-1727	202	117	2011	2011	NUM
framr-1727	202	118	7,368.2	7,368.2	NUM
framr-1727	202	119	2,797.7	2,797.7	NUM
framr-1727	202	120	12,131.5	12,131.5	NUM
framr-1727	202	121	2001	2001	NUM
framr-1727	202	122	872.7	872.7	NUM
framr-1727	202	123	55.7	55.7	NUM
framr-1727	202	124	975.5	975.5	NUM
framr-1727	202	125	2012	2012	NUM
framr-1727	202	126	9,585.1	9,585.1	NUM
framr-1727	202	127	1,933.1	1,933.1	NUM
framr-1727	202	128	14,245.1	14,245.1	NUM
framr-1727	202	129	2002	2002	NUM
framr-1727	202	130	1,000.7	1,000.7	NUM
framr-1727	202	131	100.0	100.0	NUM
framr-1727	202	132	1,209.7	1,209.7	NUM
framr-1727	202	133	2013	2013	NUM
framr-1727	202	134	9,329.0	9,329.0	NUM
framr-1727	202	135	3,968.3	3,968.3	NUM
framr-1727	202	136	16,699.4	16,699.4	NOUN
framr-1727	202	137	2003	2003	NUM
framr-1727	202	138	1,170.8	1,170.8	NUM
framr-1727	202	139	123.7	123.7	NUM
framr-1727	202	140	1,417.1	1,417.1	NUM
framr-1727	202	141	2014	2014	NUM
framr-1727	202	142	11,743.5	11,743.5	NOUN
framr-1727	202	143	1,245.2	1,245.2	NUM
framr-1727	202	144	16,824.0	16,824.0	NUM
framr-1727	202	145	2004	2004	NUM
framr-1727	202	146	1,429.4	1,429.4	NUM
framr-1727	202	147	176.7	176.7	NUM
framr-1727	202	148	1,778.7	1,778.7	NUM
framr-1727	202	149	2015	2015	NUM
framr-1727	202	150	12,233.9	12,233.9	NUM
framr-1727	202	151	1,610.2	1,610.2	NUM
framr-1727	202	152	18,201.1	18,201.1	NOUN
framr-1727	202	153	average	average	NOUN
framr-1727	202	154	626.9	626.9	NUM
framr-1727	202	155	69.9	69.9	NUM
framr-1727	202	156	768.4	768.4	NUM
framr-1727	202	157	average	average	NOUN
framr-1727	202	158	6,227.6	6,227.6	NUM
framr-1727	202	159	1,301.3	1,301.3	NUM
framr-1727	202	160	8,781.1	8,781.1	NUM
framr-1727	202	161	as	as	ADP
framr-1727	202	162	%	%	NOUN
framr-1727	202	163	of	of	ADP
framr-1727	202	164	tdl	tdl	PROPN
framr-1727	202	165	81.6	81.6	NUM
framr-1727	202	166	%	%	NOUN
framr-1727	202	167	9.1	9.1	NUM
framr-1727	202	168	%	%	NOUN
framr-1727	202	169	as	as	ADP
framr-1727	202	170	%	%	NOUN
framr-1727	202	171	of	of	ADP
framr-1727	202	172	tdl	tdl	PROPN
framr-1727	202	173	70.9	70.9	NUM
framr-1727	202	174	%	%	NOUN
framr-1727	202	175	14.82	14.82	NUM
framr-1727	202	176	%	%	NOUN
framr-1727	202	177	source	source	NOUN
framr-1727	202	178	:	:	PUNCT
framr-1727	202	179	authors	author	NOUN
framr-1727	202	180	’	'	PUNCT
framr-1727	202	181	computations	computation	NOUN
framr-1727	202	182	from	from	ADP
framr-1727	202	183	2015	2015	NUM
framr-1727	202	184	cbn	cbn	NOUN
framr-1727	202	185	statistical	statistical	ADJ
framr-1727	202	186	bulletin	bulletin	NOUN
framr-1727	202	187	from	from	ADP
framr-1727	202	188	table	table	NOUN
framr-1727	202	189	3	3	NUM
framr-1727	202	190	private	private	ADJ
framr-1727	202	191	sector	sector	NOUN
framr-1727	202	192	deposit	deposit	NOUN
framr-1727	202	193	(	(	PUNCT
framr-1727	202	194	prd	prd	NOUN
framr-1727	202	195	with	with	ADP
framr-1727	202	196	average	average	ADJ
framr-1727	202	197	volume	volume	NOUN
framr-1727	202	198	of	of	ADP
framr-1727	202	199	n626billion	n626billion	ADJ
framr-1727	202	200	constituted	constitute	VERB
framr-1727	202	201	81.6	81.6	NUM
framr-1727	202	202	%	%	NOUN
framr-1727	202	203	of	of	ADP
framr-1727	202	204	the	the	DET
framr-1727	202	205	total	total	ADJ
framr-1727	202	206	deposit	deposit	NOUN
framr-1727	202	207	liability	liability	NOUN
framr-1727	202	208	of	of	ADP
framr-1727	202	209	the	the	DET
framr-1727	202	210	deposit	deposit	NOUN
framr-1727	202	211	banks	bank	NOUN
framr-1727	202	212	in	in	ADP
framr-1727	202	213	the	the	DET
framr-1727	202	214	pre	pre	X
framr-1727	202	215	mergers	merger	NOUN
framr-1727	202	216	and	and	CCONJ
framr-1727	202	217	acquisitions	acquisition	NOUN
framr-1727	202	218	period	period	NOUN
framr-1727	202	219	while	while	SCONJ
framr-1727	202	220	the	the	DET
framr-1727	202	221	contribution	contribution	NOUN
framr-1727	202	222	declined	decline	VERB
framr-1727	202	223	in	in	ADP
framr-1727	202	224	the	the	DET
framr-1727	202	225	post	post	NOUN
framr-1727	202	226	merger	merger	NOUN
framr-1727	202	227	period	period	NOUN
framr-1727	202	228	by	by	ADP
framr-1727	202	229	10.7	10.7	NUM
framr-1727	202	230	%	%	NOUN
framr-1727	202	231	to	to	PART
framr-1727	202	232	stand	stand	VERB
framr-1727	202	233	at	at	ADP
framr-1727	202	234	70.9	70.9	NUM
framr-1727	202	235	%	%	NOUN
framr-1727	202	236	.	.	PUNCT
framr-1727	203	1	though	though	SCONJ
framr-1727	203	2	in	in	ADP
framr-1727	203	3	absolute	absolute	ADJ
framr-1727	203	4	terms	term	NOUN
framr-1727	203	5	,	,	PUNCT
framr-1727	203	6	prd	prd	NOUN
framr-1727	203	7	average	average	ADJ
framr-1727	203	8	volume	volume	NOUN
framr-1727	203	9	shot	shoot	VERB
framr-1727	203	10	from	from	ADP
framr-1727	203	11	less	less	ADJ
framr-1727	203	12	than	than	ADP
framr-1727	203	13	n1trillion	n1trillion	NOUN
framr-1727	203	14	in	in	ADP
framr-1727	203	15	the	the	DET
framr-1727	203	16	pre	pre	ADJ
framr-1727	203	17	merger	merger	PROPN
framr-1727	203	18	era	era	NOUN
framr-1727	203	19	to	to	ADP
framr-1727	203	20	over	over	ADP
framr-1727	203	21	n6trillion	n6trillion	NOUN
framr-1727	203	22	in	in	ADP
framr-1727	203	23	the	the	DET
framr-1727	203	24	post	post	NOUN
framr-1727	203	25	merger	merger	NOUN
framr-1727	203	26	period	period	NOUN
framr-1727	203	27	(	(	PUNCT
framr-1727	203	28	893	893	NUM
framr-1727	203	29	%	%	NOUN
framr-1727	203	30	jump	jump	NOUN
framr-1727	203	31	)	)	PUNCT
framr-1727	203	32	,	,	PUNCT
framr-1727	203	33	the	the	DET
framr-1727	203	34	reduced	reduced	ADJ
framr-1727	203	35	contribution	contribution	NOUN
framr-1727	203	36	to	to	ADP
framr-1727	203	37	total	total	ADJ
framr-1727	203	38	deposit	deposit	NOUN
framr-1727	203	39	should	should	AUX
framr-1727	203	40	be	be	AUX
framr-1727	203	41	a	a	DET
framr-1727	203	42	source	source	NOUN
framr-1727	203	43	of	of	ADP
framr-1727	203	44	concern	concern	NOUN
framr-1727	203	45	to	to	ADP
framr-1727	203	46	the	the	DET
framr-1727	203	47	banks	bank	NOUN
framr-1727	203	48	and	and	CCONJ
framr-1727	203	49	the	the	DET
framr-1727	203	50	monetary	monetary	ADJ
framr-1727	203	51	authorities	authority	NOUN
framr-1727	203	52	.	.	PUNCT
framr-1727	204	1	private	private	ADJ
framr-1727	204	2	sector	sector	NOUN
framr-1727	204	3	provides	provide	VERB
framr-1727	204	4	the	the	DET
framr-1727	204	5	right	right	ADJ
framr-1727	204	6	platform	platform	NOUN
framr-1727	204	7	for	for	ADP
framr-1727	204	8	the	the	DET
framr-1727	204	9	much	much	ADV
framr-1727	204	10	needed	need	VERB
framr-1727	204	11	domestic	domestic	ADJ
framr-1727	204	12	savings	saving	NOUN
framr-1727	204	13	for	for	ADP
framr-1727	204	14	stable	stable	ADJ
framr-1727	204	15	and	and	CCONJ
framr-1727	204	16	relatively	relatively	ADV
framr-1727	204	17	cheap	cheap	ADJ
framr-1727	204	18	funds	fund	NOUN
framr-1727	204	19	thus	thus	ADV
framr-1727	204	20	the	the	DET
framr-1727	204	21	gap	gap	NOUN
framr-1727	204	22	in	in	ADP
framr-1727	204	23	their	their	PRON
framr-1727	204	24	contribution	contribution	NOUN
framr-1727	204	25	to	to	ADP
framr-1727	204	26	total	total	ADJ
framr-1727	204	27	deposit	deposit	NOUN
framr-1727	204	28	should	should	AUX
framr-1727	204	29	be	be	AUX
framr-1727	204	30	of	of	ADP
framr-1727	204	31	concern	concern	NOUN
framr-1727	204	32	to	to	ADP
framr-1727	204	33	the	the	DET
framr-1727	204	34	banks	bank	NOUN
framr-1727	204	35	and	and	CCONJ
framr-1727	204	36	the	the	DET
framr-1727	204	37	monetary	monetary	ADJ
framr-1727	204	38	authorities	authority	NOUN
framr-1727	204	39	in	in	ADP
framr-1727	204	40	nigeria	nigeria	PROPN
framr-1727	204	41	.	.	PUNCT
framr-1727	205	1	this	this	DET
framr-1727	205	2	concern	concern	NOUN
framr-1727	205	3	appears	appear	VERB
framr-1727	205	4	stronger	strong	ADJ
framr-1727	205	5	in	in	ADP
framr-1727	205	6	view	view	NOUN
framr-1727	205	7	of	of	ADP
framr-1727	205	8	federal	federal	ADJ
framr-1727	205	9	government	government	NOUN
framr-1727	205	10	treasury	treasury	PROPN
framr-1727	205	11	single	single	ADJ
framr-1727	205	12	account	account	NOUN
framr-1727	205	13	(	(	PUNCT
framr-1727	205	14	tsa	tsa	PROPN
framr-1727	205	15	)	)	PUNCT
framr-1727	205	16	by	by	ADP
framr-1727	205	17	which	which	PRON
framr-1727	205	18	all	all	DET
framr-1727	205	19	governments	government	NOUN
framr-1727	205	20	’	'	PUNCT
framr-1727	205	21	funds	fund	NOUN
framr-1727	205	22	are	be	AUX
framr-1727	205	23	swept	sweep	VERB
framr-1727	205	24	to	to	ADP
framr-1727	205	25	and	and	CCONJ
framr-1727	205	26	maintained	maintain	VERB
framr-1727	205	27	by	by	ADP
framr-1727	205	28	central	central	ADJ
framr-1727	205	29	bank	bank	PROPN
framr-1727	205	30	of	of	ADP
framr-1727	205	31	nigeria	nigeria	PROPN
framr-1727	205	32	from	from	ADP
framr-1727	205	33	september	september	PROPN
framr-1727	205	34	2015	2015	NUM
framr-1727	205	35	.	.	PUNCT
framr-1727	206	1	the	the	DET
framr-1727	206	2	rise	rise	NOUN
framr-1727	206	3	in	in	ADP
framr-1727	206	4	the	the	DET
framr-1727	206	5	contribution	contribution	NOUN
framr-1727	206	6	of	of	ADP
framr-1727	206	7	public	public	ADJ
framr-1727	206	8	sector	sector	NOUN
framr-1727	206	9	deposits	deposit	NOUN
framr-1727	206	10	to	to	PART
framr-1727	206	11	total	total	VERB
framr-1727	206	12	deposits	deposit	NOUN
framr-1727	206	13	in	in	ADP
framr-1727	206	14	the	the	DET
framr-1727	206	15	post	post	NOUN
framr-1727	206	16	merger	merger	PROPN
framr-1727	206	17	era	era	NOUN
framr-1727	206	18	to	to	ADP
framr-1727	206	19	14.82	14.82	NUM
framr-1727	206	20	%	%	NOUN
framr-1727	206	21	from	from	ADP
framr-1727	206	22	9.1	9.1	NUM
framr-1727	206	23	%	%	NOUN
framr-1727	206	24	in	in	ADP
framr-1727	206	25	the	the	DET
framr-1727	206	26	pre	pre	ADJ
framr-1727	206	27	merger	merger	NOUN
framr-1727	206	28	period	period	NOUN
framr-1727	206	29	(	(	PUNCT
framr-1727	206	30	5.7	5.7	NUM
framr-1727	206	31	%	%	NOUN
framr-1727	206	32	change	change	NOUN
framr-1727	206	33	)	)	PUNCT
framr-1727	206	34	seems	seem	VERB
framr-1727	206	35	not	not	PART
framr-1727	206	36	sustainable	sustainable	ADJ
framr-1727	206	37	in	in	ADP
framr-1727	206	38	view	view	NOUN
framr-1727	206	39	of	of	ADP
framr-1727	206	40	the	the	DET
framr-1727	206	41	tsa	tsa	NOUN
framr-1727	206	42	.	.	PUNCT
framr-1727	207	1	it	it	PRON
framr-1727	207	2	appears	appear	VERB
framr-1727	207	3	that	that	SCONJ
framr-1727	207	4	the	the	DET
framr-1727	207	5	private	private	ADJ
framr-1727	207	6	sector	sector	NOUN
framr-1727	207	7	have	have	AUX
framr-1727	207	8	not	not	PART
framr-1727	207	9	been	be	AUX
framr-1727	207	10	encouraged	encourage	VERB
framr-1727	207	11	enough	enough	ADV
framr-1727	207	12	by	by	ADP
framr-1727	207	13	the	the	DET
framr-1727	207	14	commercial	commercial	ADJ
framr-1727	207	15	banks	bank	NOUN
framr-1727	207	16	via	via	ADP
framr-1727	207	17	innovative	innovative	ADJ
framr-1727	207	18	product	product	NOUN
framr-1727	207	19	offerings	offering	NOUN
framr-1727	207	20	to	to	PART
framr-1727	207	21	meet	meet	VERB
framr-1727	207	22	their	their	PRON
framr-1727	207	23	pre	pre	ADJ
framr-1727	207	24	merger	merger	NOUN
framr-1727	207	25	quota	quota	NOUN
framr-1727	207	26	.	.	PUNCT
framr-1727	208	1	it	it	PRON
framr-1727	208	2	may	may	AUX
framr-1727	208	3	be	be	AUX
framr-1727	208	4	noted	note	VERB
framr-1727	208	5	that	that	SCONJ
framr-1727	208	6	generally	generally	ADV
framr-1727	208	7	,	,	PUNCT
framr-1727	208	8	before	before	ADP
framr-1727	208	9	the	the	DET
framr-1727	208	10	tsa	tsa	NOUN
framr-1727	208	11	policy	policy	NOUN
framr-1727	208	12	,	,	PUNCT
framr-1727	208	13	public	public	ADJ
framr-1727	208	14	sector	sector	NOUN
framr-1727	208	15	deposit	deposit	NOUN
framr-1727	208	16	balance	balance	NOUN
framr-1727	208	17	was	be	AUX
framr-1727	208	18	affected	affect	VERB
framr-1727	208	19	by	by	ADP
framr-1727	208	20	occasional	occasional	ADJ
framr-1727	208	21	sweeping	sweeping	NOUN
framr-1727	208	22	of	of	ADP
framr-1727	208	23	government	government	NOUN
framr-1727	208	24	funds	fund	NOUN
framr-1727	208	25	from	from	ADP
framr-1727	208	26	deposit	deposit	NOUN
framr-1727	208	27	money	money	NOUN
framr-1727	208	28	banks	bank	NOUN
framr-1727	208	29	to	to	ADP
framr-1727	208	30	central	central	ADJ
framr-1727	208	31	bank	bank	PROPN
framr-1727	208	32	of	of	ADP
framr-1727	208	33	nigeria	nigeria	PROPN
framr-1727	208	34	as	as	ADP
framr-1727	208	35	part	part	NOUN
framr-1727	208	36	of	of	ADP
framr-1727	208	37	monetary	monetary	ADJ
framr-1727	208	38	policy	policy	NOUN
framr-1727	208	39	measures	measure	NOUN
framr-1727	208	40	of	of	ADP
framr-1727	208	41	the	the	DET
framr-1727	208	42	central	central	ADJ
framr-1727	208	43	bank	bank	PROPN
framr-1727	208	44	of	of	ADP
framr-1727	208	45	nigeria	nigeria	PROPN
framr-1727	208	46	.	.	PUNCT
framr-1727	209	1	the	the	DET
framr-1727	209	2	pre	pre	ADJ
framr-1727	209	3	merger	merger	NOUN
framr-1727	209	4	average	average	ADJ
framr-1727	209	5	balance	balance	NOUN
framr-1727	209	6	must	must	AUX
framr-1727	209	7	have	have	AUX
framr-1727	209	8	been	be	AUX
framr-1727	209	9	affected	affect	VERB
framr-1727	209	10	by	by	ADP
framr-1727	209	11	the	the	DET
framr-1727	209	12	withdrawal	withdrawal	NOUN
framr-1727	209	13	of	of	ADP
framr-1727	209	14	the	the	DET
framr-1727	209	15	funds	fund	NOUN
framr-1727	209	16	of	of	ADP
framr-1727	209	17	the	the	DET
framr-1727	209	18	three	three	NUM
framr-1727	209	19	tiers	tier	NOUN
framr-1727	209	20	of	of	ADP
framr-1727	209	21	government	government	NOUN
framr-1727	209	22	from	from	ADP
framr-1727	209	23	the	the	DET
framr-1727	209	24	deposit	deposit	NOUN
framr-1727	209	25	money	money	NOUN
framr-1727	209	26	banks	bank	NOUN
framr-1727	209	27	in	in	ADP
framr-1727	209	28	july	july	PROPN
framr-1727	209	29	2004	2004	NUM
framr-1727	209	30	before	before	ADP
framr-1727	209	31	the	the	DET
framr-1727	209	32	banking	banking	NOUN
framr-1727	209	33	consolidation	consolidation	NOUN
framr-1727	209	34	.	.	PUNCT
framr-1727	210	1	overall	overall	ADV
framr-1727	210	2	,	,	PUNCT
framr-1727	210	3	the	the	DET
framr-1727	210	4	negative	negative	ADJ
framr-1727	210	5	impact	impact	NOUN
framr-1727	210	6	of	of	ADP
framr-1727	210	7	the	the	DET
framr-1727	210	8	2007/2009	2007/2009	NUM
framr-1727	210	9	global	global	ADJ
framr-1727	210	10	financial	financial	ADJ
framr-1727	210	11	meltdown	meltdown	NOUN
framr-1727	210	12	on	on	ADP
framr-1727	210	13	the	the	DET
framr-1727	210	14	post	post	NOUN
framr-1727	210	15	merger	merger	NOUN
framr-1727	210	16	balances	balance	NOUN
framr-1727	210	17	should	should	AUX
framr-1727	210	18	as	as	ADV
framr-1727	210	19	well	well	ADV
framr-1727	210	20	be	be	AUX
framr-1727	210	21	taken	take	VERB
framr-1727	210	22	into	into	ADP
framr-1727	210	23	account	account	NOUN
framr-1727	210	24	.	.	PUNCT
framr-1727	211	1	table-4	table-4	NOUN
framr-1727	211	2	.	.	PUNCT
framr-1727	211	3	schedule	schedule	NOUN
framr-1727	211	4	of	of	ADP
framr-1727	211	5	shareholders	shareholder	NOUN
framr-1727	211	6	funds	fund	NOUN
framr-1727	211	7	:	:	PUNCT
framr-1727	211	8	pre	pre	VERB
framr-1727	211	9	and	and	CCONJ
framr-1727	211	10	post	post	VERB
framr-1727	211	11	merger	merger	NOUN
framr-1727	211	12	periods	periods	PROPN
framr-1727	211	13	year	year	NOUN
framr-1727	211	14	pre	pre	NOUN
framr-1727	211	15	-	-	NOUN
framr-1727	211	16	merger	merger	ADJ
framr-1727	211	17	(=	(=	NOUN
framr-1727	211	18	n	n	CCONJ
framr-1727	211	19	=	=	NOUN
framr-1727	211	20	billion	billion	NUM
framr-1727	211	21	)	)	PUNCT
framr-1727	211	22	year	year	NOUN
framr-1727	211	23	post	post	ADJ
framr-1727	211	24	-	-	ADJ
framr-1727	211	25	merger	merger	ADJ
framr-1727	211	26	(=	(=	NOUN
framr-1727	211	27	n	n	CCONJ
framr-1727	211	28	=	=	NOUN
framr-1727	211	29	billion	billion	NUM
framr-1727	211	30	)	)	PUNCT
framr-1727	211	31	1995	1995	NUM
framr-1727	211	32	43.20	43.20	NUM
framr-1727	211	33	2006	2006	NUM
framr-1727	211	34	1,338.90	1,338.90	NUM
framr-1727	211	35	1996	1996	NUM
framr-1727	211	36	55.60	55.60	NUM
framr-1727	211	37	2007	2007	NUM
framr-1727	211	38	2,225.40	2,225.40	NUM
framr-1727	211	39	1997	1997	NUM
framr-1727	211	40	73.90	73.90	NUM
framr-1727	211	41	2008	2008	NUM
framr-1727	211	42	3,364.70	3,364.70	NUM
framr-1727	211	43	1998	1998	NUM
framr-1727	211	44	101.40	101.40	NUM
framr-1727	211	45	2009	2009	NUM
framr-1727	211	46	4,930.60	4,930.60	NUM
framr-1727	211	47	1999	1999	NUM
framr-1727	211	48	142.00	142.00	NUM
framr-1727	211	49	2010	2010	NUM
framr-1727	211	50	2,217.80	2,217.80	NUM
framr-1727	211	51	2000	2000	NUM
framr-1727	211	52	196.70	196.70	NUM
framr-1727	211	53	2011	2011	NUM
framr-1727	211	54	3,682.10	3,682.10	NUM
framr-1727	211	55	2001	2001	NUM
framr-1727	211	56	364.30	364.30	NUM
framr-1727	211	57	2012	2012	NUM
framr-1727	211	58	3,637.70	3,637.70	NUM
framr-1727	211	59	2002	2002	NUM
framr-1727	211	60	500.80	500.80	NUM
framr-1727	211	61	2013	2013	NUM
framr-1727	211	62	3,869.70	3,869.70	NUM
framr-1727	211	63	2003	2003	NUM
framr-1727	211	64	537.20	537.20	NUM
framr-1727	211	65	2014	2014	NUM
framr-1727	211	66	4,334.60	4,334.60	NUM
framr-1727	211	67	2004	2004	NUM
framr-1727	211	68	688.10	688.10	NUM
framr-1727	211	69	2015	2015	NUM
framr-1727	211	70	4,901.90	4,901.90	NUM
framr-1727	211	71	average	average	ADJ
framr-1727	211	72	270.32	270.32	NUM
framr-1727	211	73	average	average	NOUN
framr-1727	211	74	2,888.14	2,888.14	NUM
framr-1727	211	75	source	source	NOUN
framr-1727	211	76	:	:	PUNCT
framr-1727	211	77	authors	author	NOUN
framr-1727	211	78	’	'	PUNCT
framr-1727	211	79	computations	computation	NOUN
framr-1727	211	80	from	from	ADP
framr-1727	211	81	2013	2013	NUM
framr-1727	211	82	cbn	cbn	PROPN
framr-1727	211	83	statistical	statistical	ADJ
framr-1727	211	84	bulletin	bulletin	NOUN
framr-1727	211	85	financial	financial	ADJ
framr-1727	211	86	risk	risk	NOUN
framr-1727	211	87	and	and	CCONJ
framr-1727	211	88	management	management	NOUN
framr-1727	211	89	reviews	review	NOUN
framr-1727	211	90	,	,	PUNCT
framr-1727	211	91	2018	2018	NUM
framr-1727	211	92	,	,	PUNCT
framr-1727	211	93	4(1	4(1	NOUN
framr-1727	211	94	):	):	PUNCT
framr-1727	211	95	34	34	NUM
framr-1727	211	96	-	-	SYM
framr-1727	211	97	48	48	NUM
framr-1727	211	98	43	43	NUM
framr-1727	211	99	©	©	PROPN
framr-1727	211	100	2018	2018	NUM
framr-1727	211	101	conscientia	conscientia	PROPN
framr-1727	211	102	beam	beam	PROPN
framr-1727	211	103	.	.	PUNCT
framr-1727	212	1	all	all	DET
framr-1727	212	2	rights	right	NOUN
framr-1727	212	3	reserved	reserve	VERB
framr-1727	212	4	.	.	PUNCT
framr-1727	213	1	table-5	table-5	PROPN
framr-1727	213	2	.	.	PUNCT
framr-1727	214	1	summary	summary	NOUN
framr-1727	214	2	of	of	ADP
framr-1727	214	3	regression	regression	NOUN
framr-1727	214	4	results	result	NOUN
framr-1727	214	5	of	of	ADP
framr-1727	214	6	the	the	DET
framr-1727	214	7	variables	variable	NOUN
framr-1727	214	8	of	of	ADP
framr-1727	214	9	the	the	DET
framr-1727	214	10	study	study	NOUN
framr-1727	214	11	dependent	dependent	ADJ
framr-1727	214	12	variables	variable	NOUN
framr-1727	214	13	independent	independent	ADJ
framr-1727	214	14	prd	prd	PROPN
framr-1727	214	15	pud	pud	NOUN
framr-1727	214	16	tdl	tdl	PROPN
framr-1727	214	17	pud2	pud2	PROPN
framr-1727	214	18	variables	variable	NOUN
framr-1727	214	19	(	(	PUNCT
framr-1727	214	20	hypothetical	hypothetical	ADJ
framr-1727	214	21	)	)	PUNCT
framr-1727	214	22	dm	dm	PROPN
framr-1727	214	23	-	-	PUNCT
framr-1727	214	24	t	t	NOUN
framr-1727	214	25	statistic	statistic	NOUN
framr-1727	214	26	0.824	0.824	NUM
framr-1727	214	27	0.421	0.421	NUM
framr-1727	214	28	0.280	0.280	NUM
framr-1727	214	29	-0.839	-0.839	PUNCT
framr-1727	215	1	dm	dm	INTJ
framr-1727	215	2	prob	prob	NOUN
framr-1727	215	3	(	(	PUNCT
framr-1727	215	4	t	t	NOUN
framr-1727	215	5	-	-	PUNCT
framr-1727	215	6	statistic	statistic	NOUN
framr-1727	215	7	)	)	PUNCT
framr-1727	215	8	0.421	0.421	NUM
framr-1727	215	9	0.679	0.679	NUM
framr-1727	215	10	0.783	0.783	NUM
framr-1727	215	11	0.413	0.413	NUM
framr-1727	215	12	dm	dm	NOUN
framr-1727	215	13	beta	beta	NOUN
framr-1727	215	14	0.127	0.127	NUM
framr-1727	215	15	0.150	0.150	NUM
framr-1727	215	16	0.051	0.051	NUM
framr-1727	215	17	-0.249	-0.249	PUNCT
framr-1727	215	18	sf	sf	PROPN
framr-1727	215	19	t	t	PROPN
framr-1727	215	20	-	-	PUNCT
framr-1727	215	21	statistic	statistic	NOUN
framr-1727	215	22	5.437	5.437	NUM
framr-1727	215	23	1.713	1.713	NUM
framr-1727	215	24	4.917	4.917	NUM
framr-1727	215	25	3.527	3.527	NUM
framr-1727	215	26	sf	sf	NOUN
framr-1727	215	27	prob	prob	PROPN
framr-1727	215	28	(	(	PUNCT
framr-1727	215	29	t	t	PROPN
framr-1727	215	30	-	-	PUNCT
framr-1727	215	31	statistic	statistic	NOUN
framr-1727	215	32	)	)	PUNCT
framr-1727	215	33	0.000	0.000	NUM
framr-1727	215	34	0.104	0.104	NUM
framr-1727	215	35	0.000	0.000	NUM
framr-1727	215	36	0.002	0.002	NUM
framr-1727	215	37	sf	sf	NOUN
framr-1727	215	38	beta	beta	NOUN
framr-1727	215	39	0.841	0.841	NUM
framr-1727	215	40	0.608	0.608	NUM
framr-1727	215	41	0.894	0.894	NUM
framr-1727	215	42	1.046	1.046	NUM
framr-1727	215	43	r	r	NOUN
framr-1727	215	44	squared	square	VERB
framr-1727	215	45	0.915	0.915	NUM
framr-1727	215	46	0.555	0.555	NUM
framr-1727	215	47	0.883	0.883	NUM
framr-1727	215	48	0.689	0.689	NUM
framr-1727	215	49	adjusted	adjust	VERB
framr-1727	215	50	0.906	0.906	NUM
framr-1727	215	51	0.506	0.506	NUM
framr-1727	215	52	0.870	0.870	NUM
framr-1727	215	53	0	0	NUM
framr-1727	215	54	.	.	PUNCT
framr-1727	216	1	655	655	NUM
framr-1727	216	2	f	f	X
framr-1727	216	3	-	-	PUNCT
framr-1727	216	4	statistic	statistic	NOUN
framr-1727	216	5	97.443	97.443	NUM
framr-1727	216	6	11.224	11.224	NUM
framr-1727	216	7	68.052	68.052	NUM
framr-1727	216	8	19.97	19.97	NUM
framr-1727	216	9	prob	prob	NOUN
framr-1727	216	10	(	(	PUNCT
framr-1727	216	11	f	f	NOUN
framr-1727	216	12	-	-	PUNCT
framr-1727	216	13	statistic	statistic	NOUN
framr-1727	216	14	)	)	PUNCT
framr-1727	216	15	0.000	0.000	NUM
framr-1727	217	1	0.001	0.001	NUM
framr-1727	217	2	0.000	0.000	NUM
framr-1727	217	3	0.000	0.000	NUM
framr-1727	217	4	durbin	durbin	ADJ
framr-1727	217	5	watson	watson	PROPN
framr-1727	217	6	1.896	1.896	NUM
framr-1727	217	7	1.594	1.594	NUM
framr-1727	217	8	1.320	1.320	NUM
framr-1727	217	9	1.045	1.045	NUM
framr-1727	217	10	source	source	NOUN
framr-1727	217	11	:	:	PUNCT
framr-1727	217	12	result	result	NOUN
framr-1727	217	13	of	of	ADP
framr-1727	217	14	regression	regression	NOUN
framr-1727	217	15	analysis	analysis	NOUN
framr-1727	217	16	using	use	VERB
framr-1727	217	17	spss	spss	PROPN
framr-1727	217	18	(	(	PUNCT
framr-1727	217	19	20	20	NUM
framr-1727	217	20	)	)	PUNCT
framr-1727	217	21	.	.	PUNCT
framr-1727	218	1	where	where	SCONJ
framr-1727	218	2	:	:	PUNCT
framr-1727	218	3	prd	prd	NOUN
framr-1727	218	4	,	,	PUNCT
framr-1727	218	5	pud	pud	NOUN
framr-1727	218	6	,	,	PUNCT
framr-1727	218	7	and	and	CCONJ
framr-1727	218	8	tdl	tdl	PROPN
framr-1727	218	9	are	be	AUX
framr-1727	218	10	private	private	ADJ
framr-1727	218	11	sector	sector	NOUN
framr-1727	218	12	deposit	deposit	NOUN
framr-1727	218	13	,	,	PUNCT
framr-1727	218	14	public	public	ADJ
framr-1727	218	15	sector	sector	NOUN
framr-1727	218	16	deposit	deposit	NOUN
framr-1727	218	17	and	and	CCONJ
framr-1727	218	18	total	total	ADJ
framr-1727	218	19	deposit	deposit	NOUN
framr-1727	218	20	liabilities	liability	NOUN
framr-1727	218	21	respectively	respectively	ADV
framr-1727	218	22	.	.	PUNCT
framr-1727	219	1	note	note	NOUN
framr-1727	219	2	:	:	PUNCT
framr-1727	219	3	the	the	DET
framr-1727	219	4	full	full	ADJ
framr-1727	219	5	details	detail	NOUN
framr-1727	219	6	of	of	ADP
framr-1727	219	7	the	the	DET
framr-1727	219	8	regression	regression	NOUN
framr-1727	219	9	results	result	NOUN
framr-1727	219	10	are	be	AUX
framr-1727	219	11	on	on	ADP
framr-1727	219	12	tables6	tables6	PROPN
framr-1727	219	13	9	9	NUM
framr-1727	219	14	below	below	ADV
framr-1727	219	15	.	.	PUNCT
framr-1727	220	1	from	from	ADP
framr-1727	220	2	table	table	NOUN
framr-1727	220	3	4.3	4.3	NUM
framr-1727	220	4	above	above	ADV
framr-1727	220	5	,	,	PUNCT
framr-1727	220	6	it	it	PRON
framr-1727	220	7	could	could	AUX
framr-1727	220	8	be	be	AUX
framr-1727	220	9	seen	see	VERB
framr-1727	220	10	that	that	SCONJ
framr-1727	220	11	average	average	ADJ
framr-1727	220	12	shareholders	shareholder	NOUN
framr-1727	220	13	’	'	PUNCT
framr-1727	220	14	funds	fund	NOUN
framr-1727	220	15	jumped	jump	VERB
framr-1727	220	16	sharply	sharply	ADV
framr-1727	220	17	from	from	ADP
framr-1727	220	18	n270.32	n270.32	PROPN
framr-1727	220	19	billion	billion	NUM
framr-1727	220	20	to	to	PART
framr-1727	220	21	about	about	ADP
framr-1727	220	22	n2.89	n2.89	PROPN
framr-1727	220	23	trillion	trillion	NUM
framr-1727	220	24	in	in	ADP
framr-1727	220	25	the	the	DET
framr-1727	220	26	post	post	ADJ
framr-1727	220	27	-	-	ADJ
framr-1727	220	28	merger	merger	ADJ
framr-1727	220	29	period	period	NOUN
framr-1727	220	30	.	.	PUNCT
framr-1727	221	1	this	this	PRON
framr-1727	221	2	represents	represent	VERB
framr-1727	221	3	about	about	ADP
framr-1727	221	4	968	968	NUM
framr-1727	221	5	%	%	NOUN
framr-1727	221	6	increase	increase	NOUN
framr-1727	221	7	and	and	CCONJ
framr-1727	221	8	is	be	AUX
framr-1727	221	9	attributed	attribute	VERB
framr-1727	221	10	to	to	ADP
framr-1727	221	11	increased	increase	VERB
framr-1727	221	12	recapitalization	recapitalization	NOUN
framr-1727	221	13	consummated	consummate	VERB
framr-1727	221	14	through	through	ADP
framr-1727	221	15	the	the	DET
framr-1727	221	16	mergers	merger	NOUN
framr-1727	221	17	and	and	CCONJ
framr-1727	221	18	acquisitions	acquisition	NOUN
framr-1727	221	19	.	.	PUNCT
framr-1727	222	1	the	the	DET
framr-1727	222	2	performance	performance	NOUN
framr-1727	222	3	obviously	obviously	ADV
framr-1727	222	4	would	would	AUX
framr-1727	222	5	have	have	AUX
framr-1727	222	6	been	be	AUX
framr-1727	222	7	better	well	ADJ
framr-1727	222	8	than	than	ADP
framr-1727	222	9	this	this	PRON
framr-1727	222	10	without	without	ADP
framr-1727	222	11	the	the	DET
framr-1727	222	12	negative	negative	ADJ
framr-1727	222	13	effect	effect	NOUN
framr-1727	222	14	of	of	ADP
framr-1727	222	15	the	the	DET
framr-1727	222	16	2007	2007	NUM
framr-1727	222	17	-	-	SYM
framr-1727	222	18	2009	2009	NUM
framr-1727	222	19	global	global	ADJ
framr-1727	222	20	financial	financial	ADJ
framr-1727	222	21	crises	crisis	NOUN
framr-1727	222	22	.	.	PUNCT
framr-1727	223	1	table-6	table-6	PRON
framr-1727	223	2	.	.	NOUN
framr-1727	223	3	results	result	NOUN
framr-1727	223	4	of	of	ADP
framr-1727	223	5	the	the	DET
framr-1727	223	6	multiple	multiple	ADJ
framr-1727	223	7	regression	regression	NOUN
framr-1727	223	8	analysis	analysis	NOUN
framr-1727	223	9	for	for	ADP
framr-1727	223	10	private	private	ADJ
framr-1727	223	11	sector	sector	NOUN
framr-1727	223	12	deposit(prd	deposit(prd	NOUN
framr-1727	223	13	)	)	PUNCT
framr-1727	223	14	private	private	ADJ
framr-1727	223	15	sector	sector	NOUN
framr-1727	223	16	deposits	deposit	NOUN
framr-1727	223	17	(	(	PUNCT
framr-1727	223	18	prd	prd	NOUN
framr-1727	223	19	)	)	PUNCT
framr-1727	223	20	model	model	NOUN
framr-1727	223	21	summaryb	summaryb	PROPN
framr-1727	223	22	model	model	NOUN
framr-1727	223	23	r	r	NOUN
framr-1727	223	24	r	r	NOUN
framr-1727	223	25	square	square	ADJ
framr-1727	223	26	adjusted	adjust	VERB
framr-1727	223	27	r	r	NOUN
framr-1727	223	28	square	square	ADJ
framr-1727	223	29	std	std	NOUN
framr-1727	223	30	.	.	PUNCT
framr-1727	224	1	error	error	NOUN
framr-1727	224	2	of	of	ADP
framr-1727	224	3	the	the	DET
framr-1727	224	4	estimate	estimate	NOUN
framr-1727	224	5	durbinwatson	durbinwatson	NOUN
framr-1727	224	6	1	1	NUM
framr-1727	224	7	.957a	.957a	PROPN
framr-1727	224	8	.915	.915	NUM
framr-1727	224	9	.906	.906	NUM
framr-1727	224	10	1305.38817	1305.38817	NUM
framr-1727	224	11	1.896	1.896	NUM
framr-1727	224	12	a.	a.	NOUN
framr-1727	224	13	predictors	predictor	NOUN
framr-1727	224	14	:	:	PUNCT
framr-1727	224	15	(	(	PUNCT
framr-1727	224	16	constant	constant	ADJ
framr-1727	224	17	)	)	PUNCT
framr-1727	224	18	,	,	PUNCT
framr-1727	224	19	sf	sf	PROPN
framr-1727	224	20	,	,	PUNCT
framr-1727	224	21	dm	dm	PROPN
framr-1727	224	22	b.	b.	PROPN
framr-1727	224	23	dependent	dependent	ADJ
framr-1727	224	24	variable	variable	NOUN
framr-1727	224	25	:	:	PUNCT
framr-1727	224	26	prd	prd	PROPN
framr-1727	224	27	anovaa	anovaa	PROPN
framr-1727	224	28	model	model	PROPN
framr-1727	224	29	sum	sum	NOUN
framr-1727	224	30	of	of	ADP
framr-1727	224	31	squares	square	NOUN
framr-1727	224	32	df	df	PROPN
framr-1727	224	33	mean	mean	PROPN
framr-1727	224	34	square	square	PROPN
framr-1727	224	35	f	f	PROPN
framr-1727	224	36	sig	sig	PROPN
framr-1727	224	37	.	.	PROPN
framr-1727	224	38	1	1	NUM
framr-1727	224	39	regression	regression	NOUN
framr-1727	224	40	332088539.519	332088539.519	NUM
framr-1727	224	41	2	2	NUM
framr-1727	224	42	166044269.759	166044269.759	NUM
framr-1727	224	43	97.442	97.442	NUM
framr-1727	224	44	.000b	.000b	PROPN
framr-1727	224	45	residual	residual	ADJ
framr-1727	224	46	30672688.993	30672688.993	NUM
framr-1727	224	47	18	18	NUM
framr-1727	224	48	1704038.277	1704038.277	NUM
framr-1727	224	49	total	total	NOUN
framr-1727	224	50	362761228.511	362761228.511	NUM
framr-1727	224	51	20	20	NUM
framr-1727	224	52	a.	a.	NOUN
framr-1727	224	53	dependent	dependent	ADJ
framr-1727	224	54	variable	variable	NOUN
framr-1727	224	55	:	:	PUNCT
framr-1727	224	56	prd	prd	PROPN
framr-1727	224	57	b.	b.	PROPN
framr-1727	224	58	predictors	predictor	NOUN
framr-1727	224	59	:	:	PUNCT
framr-1727	224	60	(	(	PUNCT
framr-1727	224	61	constant	constant	ADJ
framr-1727	224	62	)	)	PUNCT
framr-1727	224	63	,	,	PUNCT
framr-1727	224	64	sf	sf	PROPN
framr-1727	224	65	,	,	PUNCT
framr-1727	224	66	dm	dm	PROPN
framr-1727	224	67	coefficientsa	coefficientsa	NOUN
framr-1727	224	68	model	model	VERB
framr-1727	224	69	unstandardized	unstandardized	ADJ
framr-1727	224	70	coefficients	coefficient	NOUN
framr-1727	224	71	standardized	standardize	VERB
framr-1727	224	72	coefficients	coefficient	NOUN
framr-1727	224	73	t	t	PROPN
framr-1727	224	74	sig	sig	NOUN
framr-1727	224	75	.	.	PUNCT
framr-1727	225	1	95.0	95.0	NUM
framr-1727	225	2	%	%	NOUN
framr-1727	225	3	confidence	confidence	NOUN
framr-1727	225	4	interval	interval	NOUN
framr-1727	225	5	for	for	ADP
framr-1727	225	6	b	b	PROPN
framr-1727	225	7	b	b	PROPN
framr-1727	225	8	std	std	PROPN
framr-1727	225	9	.	.	NOUN
framr-1727	225	10	error	error	NOUN
framr-1727	225	11	beta	beta	NOUN
framr-1727	225	12	lower	lower	ADV
framr-1727	225	13	bound	bind	VERB
framr-1727	225	14	upper	upper	ADJ
framr-1727	225	15	bound	bind	VERB
framr-1727	225	16	1	1	NUM
framr-1727	225	17	(	(	PUNCT
framr-1727	225	18	constant	constant	ADJ
framr-1727	225	19	)	)	PUNCT
framr-1727	225	20	89.565	89.565	NUM
framr-1727	225	21	403.384	403.384	NUM
framr-1727	225	22	.222	.222	NUM
framr-1727	225	23	.827	.827	NUM
framr-1727	226	1	-757.913	-757.913	PROPN
framr-1727	226	2	937.043	937.043	NUM
framr-1727	226	3	dm	dm	NUM
framr-1727	226	4	1060.142	1060.142	NUM
framr-1727	226	5	1287.223	1287.223	NUM
framr-1727	226	6	.127	.127	NUM
framr-1727	226	7	.824	.824	NUM
framr-1727	226	8	.421	.421	NUM
framr-1727	226	9	-1644.212	-1644.212	PUNCT
framr-1727	226	10	3764.497	3764.497	NUM
framr-1727	226	11	sf	sf	NUM
framr-1727	226	12	1.955	1.955	NUM
framr-1727	226	13	.360	.360	NUM
framr-1727	226	14	.841	.841	NUM
framr-1727	226	15	5.437	5.437	NUM
framr-1727	226	16	.000	.000	NUM
framr-1727	226	17	1.199	1.199	NUM
framr-1727	226	18	2.710	2.710	NUM
framr-1727	226	19	a.	a.	NOUN
framr-1727	226	20	dependent	dependent	ADJ
framr-1727	226	21	variable	variable	NOUN
framr-1727	226	22	:	:	PUNCT
framr-1727	226	23	prd	prd	NOUN
framr-1727	226	24	source	source	NOUN
framr-1727	226	25	:	:	PUNCT
framr-1727	226	26	spss	spss	PROPN
framr-1727	226	27	(	(	PUNCT
framr-1727	226	28	20	20	NUM
framr-1727	226	29	)	)	PUNCT
framr-1727	226	30	output	output	NOUN
framr-1727	226	31	,	,	PUNCT
framr-1727	226	32	2017	2017	NUM
framr-1727	226	33	financial	financial	ADJ
framr-1727	226	34	risk	risk	NOUN
framr-1727	226	35	and	and	CCONJ
framr-1727	226	36	management	management	NOUN
framr-1727	226	37	reviews	review	NOUN
framr-1727	226	38	,	,	PUNCT
framr-1727	226	39	2018	2018	NUM
framr-1727	226	40	,	,	PUNCT
framr-1727	226	41	4(1	4(1	NOUN
framr-1727	226	42	):	):	PUNCT
framr-1727	226	43	34	34	NUM
framr-1727	226	44	-	-	SYM
framr-1727	226	45	48	48	NUM
framr-1727	226	46	44	44	NUM
framr-1727	226	47	©	©	PROPN
framr-1727	226	48	2018	2018	NUM
framr-1727	226	49	conscientia	conscientia	PROPN
framr-1727	226	50	beam	beam	PROPN
framr-1727	226	51	.	.	PUNCT
framr-1727	227	1	all	all	DET
framr-1727	227	2	rights	right	NOUN
framr-1727	227	3	reserved	reserve	VERB
framr-1727	227	4	.	.	PUNCT
framr-1727	228	1	table-7	table-7	X
framr-1727	228	2	.	.	PUNCT
framr-1727	229	1	results	result	NOUN
framr-1727	229	2	of	of	ADP
framr-1727	229	3	the	the	DET
framr-1727	229	4	multiple	multiple	ADJ
framr-1727	229	5	regression	regression	NOUN
framr-1727	229	6	analysis	analysis	NOUN
framr-1727	229	7	for	for	ADP
framr-1727	229	8	public	public	ADJ
framr-1727	229	9	sector	sector	NOUN
framr-1727	229	10	deposit(pud	deposit(pud	NOUN
framr-1727	229	11	)	)	PUNCT
framr-1727	229	12	with	with	ADP
framr-1727	229	13	election	election	NOUN
framr-1727	229	14	spendinges	spendinge	NOUN
framr-1727	229	15	(	(	PUNCT
framr-1727	229	16	2014	2014	NUM
framr-1727	229	17	)	)	PUNCT
framr-1727	229	18	and	and	CCONJ
framr-1727	229	19	treasury	treasury	PROPN
framr-1727	229	20	single	single	ADJ
framr-1727	229	21	account	account	NOUN
framr-1727	229	22	-	-	PUNCT
framr-1727	229	23	tas(2015	tas(2015	PROPN
framr-1727	229	24	)	)	PUNCT
framr-1727	229	25	public	public	ADJ
framr-1727	229	26	sector	sector	NOUN
framr-1727	229	27	deposits	deposit	NOUN
framr-1727	229	28	(	(	PUNCT
framr-1727	229	29	pud	pud	NOUN
framr-1727	229	30	)	)	PUNCT
framr-1727	229	31	with	with	ADP
framr-1727	229	32	es	es	PROPN
framr-1727	229	33	&	&	CCONJ
framr-1727	229	34	tas	tas	PROPN
framr-1727	229	35	model	model	PROPN
framr-1727	229	36	summaryb	summaryb	PROPN
framr-1727	229	37	model	model	NOUN
framr-1727	229	38	r	r	NOUN
framr-1727	229	39	r	r	NOUN
framr-1727	229	40	square	square	ADJ
framr-1727	229	41	adjusted	adjust	VERB
framr-1727	229	42	r	r	NOUN
framr-1727	229	43	square	square	ADJ
framr-1727	229	44	std	std	NOUN
framr-1727	229	45	.	.	PUNCT
framr-1727	230	1	error	error	NOUN
framr-1727	230	2	of	of	ADP
framr-1727	230	3	the	the	DET
framr-1727	230	4	estimate	estimate	NOUN
framr-1727	230	5	durbinwatson	durbinwatson	NOUN
framr-1727	230	6	1	1	NUM
framr-1727	230	7	.745a	.745a	PROPN
framr-1727	230	8	.555	.555	NUM
framr-1727	230	9	.506	.506	NUM
framr-1727	231	1	754.54458	754.54458	NUM
framr-1727	231	2	1.594	1.594	NUM
framr-1727	231	3	a.	a.	NOUN
framr-1727	231	4	predictors	predictor	NOUN
framr-1727	231	5	:	:	PUNCT
framr-1727	231	6	(	(	PUNCT
framr-1727	231	7	constant	constant	ADJ
framr-1727	231	8	)	)	PUNCT
framr-1727	231	9	,	,	PUNCT
framr-1727	231	10	sf	sf	PROPN
framr-1727	231	11	,	,	PUNCT
framr-1727	231	12	dm	dm	PROPN
framr-1727	231	13	.	.	PUNCT
framr-1727	231	14	b.	b.	PROPN
framr-1727	232	1	dependent	dependent	ADJ
framr-1727	232	2	variable	variable	NOUN
framr-1727	232	3	:	:	PUNCT
framr-1727	232	4	pud	pud	PROPN
framr-1727	232	5	anovaa	anovaa	PROPN
framr-1727	232	6	model	model	PROPN
framr-1727	232	7	sum	sum	NOUN
framr-1727	232	8	of	of	ADP
framr-1727	232	9	squares	square	NOUN
framr-1727	232	10	df	df	PROPN
framr-1727	232	11	mean	mean	PROPN
framr-1727	232	12	square	square	PROPN
framr-1727	232	13	f	f	PROPN
framr-1727	232	14	sig	sig	PROPN
framr-1727	232	15	.	.	PROPN
framr-1727	232	16	1	1	NUM
framr-1727	232	17	regression	regression	VERB
framr-1727	232	18	12780234.939	12780234.939	NUM
framr-1727	232	19	2	2	NUM
framr-1727	232	20	6390117.470	6390117.470	NUM
framr-1727	232	21	11.224	11.224	NUM
framr-1727	232	22	.001b	.001b	PROPN
framr-1727	232	23	residual	residual	ADJ
framr-1727	232	24	10248075.313	10248075.313	NUM
framr-1727	232	25	18	18	NUM
framr-1727	232	26	569337.517	569337.517	NUM
framr-1727	232	27	total	total	NOUN
framr-1727	232	28	23028310.252	23028310.252	NUM
framr-1727	232	29	20	20	NUM
framr-1727	232	30	a.	a.	NOUN
framr-1727	232	31	dependent	dependent	ADJ
framr-1727	232	32	variable	variable	NOUN
framr-1727	232	33	:	:	PUNCT
framr-1727	232	34	pud	pud	NOUN
framr-1727	232	35	.	.	PUNCT
framr-1727	233	1	b.	b.	PROPN
framr-1727	233	2	predictors	predictor	NOUN
framr-1727	233	3	:	:	PUNCT
framr-1727	233	4	(	(	PUNCT
framr-1727	233	5	constant	constant	ADJ
framr-1727	233	6	)	)	PUNCT
framr-1727	233	7	,	,	PUNCT
framr-1727	233	8	sf	sf	PROPN
framr-1727	233	9	,	,	PUNCT
framr-1727	233	10	dm	dm	PROPN
framr-1727	233	11	coefficientsa	coefficientsa	NOUN
framr-1727	233	12	model	model	VERB
framr-1727	233	13	unstandardized	unstandardized	ADJ
framr-1727	233	14	coefficients	coefficient	NOUN
framr-1727	233	15	standardized	standardize	VERB
framr-1727	233	16	coefficients	coefficient	NOUN
framr-1727	233	17	t	t	PROPN
framr-1727	233	18	sig	sig	NOUN
framr-1727	233	19	.	.	PUNCT
framr-1727	234	1	95.0	95.0	NUM
framr-1727	234	2	%	%	NOUN
framr-1727	234	3	confidence	confidence	NOUN
framr-1727	234	4	interval	interval	NOUN
framr-1727	234	5	for	for	ADP
framr-1727	234	6	b	b	PROPN
framr-1727	234	7	b	b	PROPN
framr-1727	234	8	std	std	PROPN
framr-1727	234	9	.	.	NOUN
framr-1727	234	10	error	error	NOUN
framr-1727	234	11	beta	beta	NOUN
framr-1727	234	12	lower	lower	ADV
framr-1727	234	13	bound	bind	VERB
framr-1727	234	14	upper	upper	ADJ
framr-1727	234	15	bound	bind	VERB
framr-1727	234	16	1	1	NUM
framr-1727	234	17	(	(	PUNCT
framr-1727	234	18	constant	constant	ADJ
framr-1727	234	19	)	)	PUNCT
framr-1727	234	20	-23.953	-23.953	PROPN
framr-1727	234	21	233.165	233.165	NUM
framr-1727	234	22	-.103	-.103	PROPN
framr-1727	234	23	.919	.919	NUM
framr-1727	234	24	-513.815	-513.815	PROPN
framr-1727	234	25	465.909	465.909	NUM
framr-1727	234	26	dm	dm	PROPN
framr-1727	234	27	313.467	313.467	NUM
framr-1727	234	28	744.044	744.044	NUM
framr-1727	234	29	.150	.150	NUM
framr-1727	234	30	.421	.421	NUM
framr-1727	234	31	.679	.679	NUM
framr-1727	234	32	-1249.712	-1249.712	PUNCT
framr-1727	234	33	1876.647	1876.647	NUM
framr-1727	234	34	sf	sf	PROPN
framr-1727	234	35	.356	.356	NUM
framr-1727	234	36	.208	.208	NUM
framr-1727	234	37	.608	.608	NUM
framr-1727	234	38	1.713	1.713	NUM
framr-1727	234	39	.104	.104	NUM
framr-1727	235	1	-.081	-.081	PROPN
framr-1727	235	2	.793	.793	NUM
framr-1727	235	3	a.	a.	NOUN
framr-1727	235	4	dependent	dependent	ADJ
framr-1727	235	5	variable	variable	NOUN
framr-1727	235	6	:	:	PUNCT
framr-1727	235	7	pud	pud	NOUN
framr-1727	235	8	source	source	NOUN
framr-1727	235	9	:	:	PUNCT
framr-1727	235	10	spss	spss	PROPN
framr-1727	235	11	(	(	PUNCT
framr-1727	235	12	20	20	NUM
framr-1727	235	13	)	)	PUNCT
framr-1727	235	14	output	output	NOUN
framr-1727	235	15	,	,	PUNCT
framr-1727	235	16	2017	2017	NUM
framr-1727	235	17	table-8	table-8	NOUN
framr-1727	235	18	.	.	PUNCT
framr-1727	236	1	results	result	NOUN
framr-1727	236	2	of	of	ADP
framr-1727	236	3	the	the	DET
framr-1727	236	4	multiple	multiple	ADJ
framr-1727	236	5	regression	regression	NOUN
framr-1727	236	6	analysis	analysis	NOUN
framr-1727	236	7	for	for	ADP
framr-1727	236	8	total	total	ADJ
framr-1727	236	9	deposit	deposit	NOUN
framr-1727	236	10	liabilities	liability	NOUN
framr-1727	236	11	(	(	PUNCT
framr-1727	236	12	tdl	tdl	NOUN
framr-1727	236	13	)	)	PUNCT
framr-1727	236	14	total	total	ADJ
framr-1727	236	15	deposit	deposit	NOUN
framr-1727	236	16	liabilities	liability	NOUN
framr-1727	236	17	(	(	PUNCT
framr-1727	236	18	tdl	tdl	PROPN
framr-1727	236	19	)	)	PUNCT
framr-1727	236	20	model	model	NOUN
framr-1727	236	21	summaryb	summaryb	PROPN
framr-1727	236	22	model	model	NOUN
framr-1727	236	23	r	r	NOUN
framr-1727	236	24	r	r	NOUN
framr-1727	236	25	square	square	ADJ
framr-1727	236	26	adjusted	adjust	VERB
framr-1727	236	27	r	r	NOUN
framr-1727	236	28	square	square	ADJ
framr-1727	236	29	std	std	NOUN
framr-1727	236	30	.	.	PUNCT
framr-1727	237	1	error	error	NOUN
framr-1727	237	2	of	of	ADP
framr-1727	237	3	the	the	DET
framr-1727	237	4	estimate	estimate	NOUN
framr-1727	237	5	durbinwatson	durbinwatson	NOUN
framr-1727	237	6	1	1	NUM
framr-1727	237	7	.940a	.940a	PROPN
framr-1727	237	8	.883	.883	NUM
framr-1727	237	9	.870	.870	NUM
framr-1727	237	10	2319.46909	2319.46909	NUM
framr-1727	237	11	1.320	1.320	NUM
framr-1727	237	12	a.	a.	NOUN
framr-1727	237	13	predictors	predictor	NOUN
framr-1727	237	14	:	:	PUNCT
framr-1727	237	15	(	(	PUNCT
framr-1727	237	16	constant	constant	ADJ
framr-1727	237	17	)	)	PUNCT
framr-1727	237	18	,	,	PUNCT
framr-1727	237	19	sf	sf	PROPN
framr-1727	237	20	,	,	PUNCT
framr-1727	237	21	dm	dm	PROPN
framr-1727	237	22	.	.	PUNCT
framr-1727	238	1	b.	b.	PROPN
framr-1727	238	2	dependent	dependent	ADJ
framr-1727	238	3	variable	variable	NOUN
framr-1727	238	4	:	:	PUNCT
framr-1727	238	5	tdl	tdl	PROPN
framr-1727	238	6	anovaa	anovaa	PROPN
framr-1727	238	7	model	model	PROPN
framr-1727	238	8	sum	sum	NOUN
framr-1727	238	9	of	of	ADP
framr-1727	238	10	squares	square	NOUN
framr-1727	238	11	df	df	PROPN
framr-1727	238	12	mean	mean	PROPN
framr-1727	238	13	square	square	PROPN
framr-1727	238	14	f	f	PROPN
framr-1727	238	15	sig	sig	PROPN
framr-1727	238	16	.	.	PROPN
framr-1727	239	1	1	1	NUM
framr-1727	239	2	regression	regression	NOUN
framr-1727	239	3	732231386.747	732231386.747	NUM
framr-1727	239	4	2	2	NUM
framr-1727	239	5	366115693.373	366115693.373	NUM
framr-1727	239	6	68.052	68.052	NUM
framr-1727	239	7	.000b	.000b	PROPN
framr-1727	239	8	residual	residual	ADJ
framr-1727	239	9	96838863.506	96838863.506	NUM
framr-1727	239	10	18	18	NUM
framr-1727	239	11	5379936.861	5379936.861	NUM
framr-1727	239	12	total	total	NOUN
framr-1727	239	13	829070250.252	829070250.252	NUM
framr-1727	239	14	20	20	NUM
framr-1727	239	15	a.	a.	NOUN
framr-1727	239	16	dependent	dependent	ADJ
framr-1727	239	17	variable	variable	NOUN
framr-1727	239	18	:	:	PUNCT
framr-1727	239	19	tdl	tdl	PROPN
framr-1727	239	20	.	.	PUNCT
framr-1727	239	21	b.	b.	PROPN
framr-1727	239	22	predictors	predictor	NOUN
framr-1727	239	23	:	:	PUNCT
framr-1727	239	24	(	(	PUNCT
framr-1727	239	25	constant	constant	ADJ
framr-1727	239	26	)	)	PUNCT
framr-1727	239	27	,	,	PUNCT
framr-1727	239	28	sf	sf	PROPN
framr-1727	239	29	,	,	PUNCT
framr-1727	239	30	dm	dm	PROPN
framr-1727	239	31	coefficientsa	coefficientsa	NOUN
framr-1727	239	32	model	model	VERB
framr-1727	239	33	unstandardized	unstandardized	ADJ
framr-1727	239	34	coefficients	coefficient	NOUN
framr-1727	239	35	standardized	standardize	VERB
framr-1727	239	36	coefficients	coefficient	NOUN
framr-1727	239	37	t	t	PROPN
framr-1727	239	38	sig	sig	NOUN
framr-1727	239	39	.	.	PUNCT
framr-1727	240	1	95.0	95.0	NUM
framr-1727	240	2	%	%	NOUN
framr-1727	240	3	confidence	confidence	NOUN
framr-1727	240	4	interval	interval	NOUN
framr-1727	240	5	for	for	ADP
framr-1727	240	6	b	b	PROPN
framr-1727	240	7	b	b	PROPN
framr-1727	240	8	std	std	PROPN
framr-1727	240	9	.	.	NOUN
framr-1727	240	10	error	error	NOUN
framr-1727	240	11	beta	beta	NOUN
framr-1727	240	12	lower	lower	ADV
framr-1727	240	13	bound	bind	VERB
framr-1727	240	14	upper	upper	ADJ
framr-1727	240	15	bound	bind	VERB
framr-1727	240	16	1	1	NUM
framr-1727	240	17	(	(	PUNCT
framr-1727	240	18	constant	constant	ADJ
framr-1727	240	19	)	)	PUNCT
framr-1727	240	20	-73.340	-73.340	VERB
framr-1727	241	1	716.749	716.749	NUM
framr-1727	241	2	-.102	-.102	NUM
framr-1727	241	3	.920	.920	NUM
framr-1727	241	4	-1579.175	-1579.175	X
framr-1727	242	1	1432.494	1432.494	NUM
framr-1727	242	2	dm	dm	NUM
framr-1727	242	3	640.654	640.654	NUM
framr-1727	242	4	2287.192	2287.192	NUM
framr-1727	242	5	.051	.051	NUM
framr-1727	242	6	.280	.280	NUM
framr-1727	242	7	.783	.783	NUM
framr-1727	242	8	-4164.557	-4164.557	PUNCT
framr-1727	243	1	5445.866	5445.866	PROPN
framr-1727	243	2	sf	sf	PROPN
framr-1727	243	3	3.141	3.141	NUM
framr-1727	243	4	.639	.639	NUM
framr-1727	243	5	.894	.894	NUM
framr-1727	243	6	4.917	4.917	NUM
framr-1727	243	7	.000	.000	NUM
framr-1727	243	8	1.799	1.799	NUM
framr-1727	243	9	4.483	4.483	NUM
framr-1727	243	10	a.	a.	NOUN
framr-1727	243	11	dependent	dependent	ADJ
framr-1727	243	12	variable	variable	NOUN
framr-1727	243	13	:	:	PUNCT
framr-1727	243	14	tdl	tdl	PROPN
framr-1727	243	15	source	source	NOUN
framr-1727	243	16	:	:	PUNCT
framr-1727	243	17	spss	spss	PROPN
framr-1727	243	18	(	(	PUNCT
framr-1727	243	19	20	20	NUM
framr-1727	243	20	)	)	PUNCT
framr-1727	243	21	output	output	NOUN
framr-1727	243	22	,	,	PUNCT
framr-1727	243	23	2017	2017	NUM
framr-1727	243	24	financial	financial	ADJ
framr-1727	243	25	risk	risk	NOUN
framr-1727	243	26	and	and	CCONJ
framr-1727	243	27	management	management	NOUN
framr-1727	243	28	reviews	review	NOUN
framr-1727	243	29	,	,	PUNCT
framr-1727	243	30	2018	2018	NUM
framr-1727	243	31	,	,	PUNCT
framr-1727	243	32	4(1	4(1	NOUN
framr-1727	243	33	):	):	PUNCT
framr-1727	243	34	34	34	NUM
framr-1727	243	35	-	-	SYM
framr-1727	243	36	48	48	NUM
framr-1727	243	37	45	45	NUM
framr-1727	243	38	©	©	PROPN
framr-1727	243	39	2018	2018	NUM
framr-1727	243	40	conscientia	conscientia	PROPN
framr-1727	243	41	beam	beam	PROPN
framr-1727	243	42	.	.	PUNCT
framr-1727	244	1	all	all	DET
framr-1727	244	2	rights	right	NOUN
framr-1727	244	3	reserved	reserve	VERB
framr-1727	244	4	.	.	PUNCT
framr-1727	245	1	table-9	table-9	NOUN
framr-1727	245	2	.	.	PUNCT
framr-1727	246	1	alternative	alternative	ADJ
framr-1727	246	2	(	(	PUNCT
framr-1727	246	3	hypothetical	hypothetical	ADJ
framr-1727	246	4	)	)	PUNCT
framr-1727	246	5	regression	regression	NOUN
framr-1727	246	6	result	result	NOUN
framr-1727	246	7	on	on	ADP
framr-1727	246	8	public	public	ADJ
framr-1727	246	9	sector	sector	NOUN
framr-1727	246	10	deposit	deposit	NOUN
framr-1727	246	11	-	-	PUNCT
framr-1727	246	12	pud	pud	NOUN
framr-1727	246	13	without	without	ADP
framr-1727	246	14	election	election	NOUN
framr-1727	246	15	spending	spending	NOUN
framr-1727	246	16	(	(	PUNCT
framr-1727	246	17	es	es	NOUN
framr-1727	246	18	)	)	PUNCT
framr-1727	246	19	and	and	CCONJ
framr-1727	246	20	treasury	treasury	PROPN
framr-1727	246	21	single	single	ADJ
framr-1727	246	22	account	account	NOUN
framr-1727	246	23	in	in	ADP
framr-1727	246	24	2014	2014	NUM
framr-1727	246	25	and	and	CCONJ
framr-1727	246	26	2015	2015	NUM
framr-1727	246	27	respectively	respectively	ADV
framr-1727	246	28	pub	pub	NOUN
framr-1727	246	29	without	without	ADP
framr-1727	246	30	es	es	X
framr-1727	246	31	&	&	CCONJ
framr-1727	246	32	tsa	tsa	PROPN
framr-1727	246	33	model	model	NOUN
framr-1727	246	34	summaryb	summaryb	PROPN
framr-1727	246	35	model	model	NOUN
framr-1727	246	36	r	r	NOUN
framr-1727	246	37	r	r	NOUN
framr-1727	246	38	square	square	ADJ
framr-1727	246	39	adjusted	adjust	VERB
framr-1727	246	40	r	r	NOUN
framr-1727	246	41	square	square	ADJ
framr-1727	246	42	std	std	NOUN
framr-1727	246	43	.	.	PUNCT
framr-1727	247	1	error	error	NOUN
framr-1727	247	2	of	of	ADP
framr-1727	247	3	the	the	DET
framr-1727	247	4	estimate	estimate	NOUN
framr-1727	247	5	durbin	durbin	PROPN
framr-1727	247	6	-	-	PUNCT
framr-1727	247	7	watson	watson	PROPN
framr-1727	247	8	1	1	NUM
framr-1727	247	9	.830a	.830a	PROPN
framr-1727	247	10	.689	.689	NUM
framr-1727	247	11	.655	.655	NUM
framr-1727	247	12	882.03275	882.03275	NUM
framr-1727	247	13	1.045	1.045	NUM
framr-1727	247	14	a.	a.	NOUN
framr-1727	247	15	predictors	predictor	NOUN
framr-1727	247	16	:	:	PUNCT
framr-1727	247	17	(	(	PUNCT
framr-1727	247	18	constant	constant	ADJ
framr-1727	247	19	)	)	PUNCT
framr-1727	247	20	,	,	PUNCT
framr-1727	247	21	sf	sf	PROPN
framr-1727	247	22	,	,	PUNCT
framr-1727	247	23	dm	dm	PROPN
framr-1727	247	24	b.	b.	PROPN
framr-1727	247	25	dependent	dependent	ADJ
framr-1727	247	26	variable	variable	NOUN
framr-1727	247	27	:	:	PUNCT
framr-1727	247	28	pud	pud	PROPN
framr-1727	247	29	anovaa	anovaa	PROPN
framr-1727	247	30	model	model	PROPN
framr-1727	247	31	sum	sum	NOUN
framr-1727	247	32	of	of	ADP
framr-1727	247	33	squares	square	NOUN
framr-1727	247	34	df	df	PROPN
framr-1727	247	35	mean	mean	PROPN
framr-1727	247	36	square	square	PROPN
framr-1727	247	37	f	f	PROPN
framr-1727	247	38	sig	sig	PROPN
framr-1727	247	39	.	.	PROPN
framr-1727	247	40	1	1	NUM
framr-1727	247	41	regression	regression	VERB
framr-1727	247	42	31068016.980	31068016.980	NUM
framr-1727	247	43	2	2	NUM
framr-1727	247	44	15534008.490	15534008.490	NUM
framr-1727	247	45	19.967	19.967	NUM
framr-1727	247	46	.000b	.000b	PROPN
framr-1727	247	47	residual	residual	ADJ
framr-1727	247	48	14003672.038	14003672.038	NUM
framr-1727	247	49	18	18	NUM
framr-1727	247	50	777981.780	777981.780	NUM
framr-1727	247	51	total	total	ADJ
framr-1727	247	52	45071689.018	45071689.018	NUM
framr-1727	247	53	20	20	NUM
framr-1727	247	54	a.	a.	NOUN
framr-1727	247	55	dependent	dependent	ADJ
framr-1727	247	56	variable	variable	NOUN
framr-1727	247	57	:	:	PUNCT
framr-1727	248	1	pud	pud	PROPN
framr-1727	248	2	b.	b.	PROPN
framr-1727	248	3	predictors	predictor	NOUN
framr-1727	248	4	:	:	PUNCT
framr-1727	248	5	(	(	PUNCT
framr-1727	248	6	constant	constant	ADJ
framr-1727	248	7	)	)	PUNCT
framr-1727	248	8	,	,	PUNCT
framr-1727	248	9	sf	sf	PROPN
framr-1727	248	10	,	,	PUNCT
framr-1727	248	11	dm	dm	PROPN
framr-1727	248	12	coefficientsa	coefficientsa	NOUN
framr-1727	248	13	model	model	VERB
framr-1727	248	14	unstandardized	unstandardized	ADJ
framr-1727	248	15	coefficients	coefficient	NOUN
framr-1727	248	16	standardized	standardize	VERB
framr-1727	248	17	coefficients	coefficient	NOUN
framr-1727	248	18	t	t	PROPN
framr-1727	248	19	sig	sig	NOUN
framr-1727	248	20	.	.	PUNCT
framr-1727	249	1	95.0	95.0	NUM
framr-1727	249	2	%	%	NOUN
framr-1727	249	3	confidence	confidence	NOUN
framr-1727	249	4	interval	interval	NOUN
framr-1727	249	5	for	for	ADP
framr-1727	249	6	b	b	PROPN
framr-1727	249	7	b	b	PROPN
framr-1727	249	8	std	std	PROPN
framr-1727	249	9	.	.	NOUN
framr-1727	249	10	error	error	NOUN
framr-1727	249	11	beta	beta	NOUN
framr-1727	249	12	lower	lower	ADV
framr-1727	249	13	bound	bind	VERB
framr-1727	249	14	upper	upper	ADJ
framr-1727	249	15	bound	bind	VERB
framr-1727	249	16	1	1	NUM
framr-1727	249	17	(	(	PUNCT
framr-1727	249	18	constant	constant	ADJ
framr-1727	249	19	)	)	PUNCT
framr-1727	249	20	-147.015	-147.015	NUM
framr-1727	249	21	272.561	272.561	NUM
framr-1727	249	22	-.539	-.539	NOUN
framr-1727	249	23	.596	.596	NUM
framr-1727	250	1	-719.644	-719.644	NUM
framr-1727	250	2	425.614	425.614	NUM
framr-1727	250	3	dm	dm	PROPN
framr-1727	250	4	-729.393	-729.393	NOUN
framr-1727	250	5	869.759	869.759	NUM
framr-1727	250	6	-.249	-.249	PROPN
framr-1727	250	7	-.839	-.839	PROPN
framr-1727	250	8	.413	.413	NUM
framr-1727	250	9	-2556.688	-2556.688	PUNCT
framr-1727	251	1	1097.902	1097.902	NUM
framr-1727	251	2	sf	sf	PROPN
framr-1727	251	3	.857	.857	NUM
framr-1727	251	4	.243	.243	NUM
framr-1727	251	5	1.046	1.046	NUM
framr-1727	251	6	3.527	3.527	NUM
framr-1727	251	7	.002	.002	NUM
framr-1727	251	8	.346	.346	NUM
framr-1727	251	9	1.367	1.367	NUM
framr-1727	251	10	a.	a.	NOUN
framr-1727	251	11	dependent	dependent	ADJ
framr-1727	251	12	variable	variable	NOUN
framr-1727	251	13	:	:	PUNCT
framr-1727	251	14	pud	pud	NOUN
framr-1727	251	15	source	source	NOUN
framr-1727	251	16	:	:	PUNCT
framr-1727	251	17	spss	spss	PROPN
framr-1727	251	18	(	(	PUNCT
framr-1727	251	19	20	20	NUM
framr-1727	251	20	)	)	PUNCT
framr-1727	251	21	output	output	NOUN
framr-1727	251	22	,	,	PUNCT
framr-1727	251	23	2017	2017	NUM
framr-1727	251	24	table-10	table-10	PROPN
framr-1727	251	25	.	.	NOUN
framr-1727	251	26	results	result	NOUN
framr-1727	251	27	of	of	ADP
framr-1727	251	28	analysis	analysis	NOUN
framr-1727	251	29	under	under	ADP
framr-1727	251	30	paired	pair	VERB
framr-1727	251	31	student	student	NOUN
framr-1727	251	32	t	t	PROPN
framr-1727	251	33	-	-	PUNCT
framr-1727	251	34	test	test	NOUN
framr-1727	251	35	paired	pair	VERB
framr-1727	251	36	samples	sample	NOUN
framr-1727	251	37	test	test	NOUN
framr-1727	251	38	paired	pair	VERB
framr-1727	251	39	differences	difference	NOUN
framr-1727	251	40	t	t	PROPN
framr-1727	251	41	df	df	PROPN
framr-1727	251	42	sig	sig	PROPN
framr-1727	251	43	.	.	PUNCT
framr-1727	252	1	(	(	PUNCT
framr-1727	252	2	2	2	NUM
framr-1727	252	3	-	-	PUNCT
framr-1727	252	4	tailed	tailed	ADJ
framr-1727	252	5	)	)	PUNCT
framr-1727	252	6	mean	mean	VERB
framr-1727	253	1	std	std	X
framr-1727	253	2	.	.	PUNCT
framr-1727	254	1	deviation	deviation	NOUN
framr-1727	254	2	std	std	NOUN
framr-1727	254	3	.	.	PUNCT
framr-1727	254	4	error	error	NOUN
framr-1727	254	5	mean	mean	VERB
framr-1727	254	6	95	95	NUM
framr-1727	254	7	%	%	NOUN
framr-1727	254	8	confidence	confidence	NOUN
framr-1727	254	9	interval	interval	NOUN
framr-1727	254	10	of	of	ADP
framr-1727	254	11	the	the	DET
framr-1727	254	12	difference	difference	NOUN
framr-1727	254	13	lower	low	ADJ
framr-1727	254	14	upper	upper	ADJ
framr-1727	254	15	pair	pair	NOUN
framr-1727	254	16	1	1	NUM
framr-1727	254	17	prdprm	prdprm	VERB
framr-1727	254	18	–	–	PUNCT
framr-1727	254	19	prdpom	prdpom	NOUN
framr-1727	254	20	-7276.75000	-7276.75000	ADP
framr-1727	254	21	2546.55516	2546.55516	NUM
framr-1727	254	22	805.29145	805.29145	NUM
framr-1727	254	23	-9098.44582	-9098.44582	ADP
framr-1727	254	24	-5455.05418	-5455.05418	NUM
framr-1727	254	25	9.036	9.036	NUM
framr-1727	254	26	9	9	NUM
framr-1727	254	27	.000	.000	NUM
framr-1727	254	28	pair	pair	NOUN
framr-1727	254	29	2	2	NUM
framr-1727	254	30	pudprm	pudprm	NOUN
framr-1727	254	31	–	–	PUNCT
framr-1727	254	32	pudpom	pudpom	NOUN
framr-1727	254	33	-1452.74000	-1452.74000	NUM
framr-1727	254	34	1114.38454	1114.38454	NUM
framr-1727	254	35	352.39933	352.39933	NUM
framr-1727	254	36	-2249.92268	-2249.92268	ADP
framr-1727	254	37	-655.55732	-655.55732	NUM
framr-1727	254	38	4.122	4.122	NUM
framr-1727	254	39	9	9	NUM
framr-1727	254	40	.003	.003	NUM
framr-1727	254	41	pair	pair	NOUN
framr-1727	254	42	3	3	NUM
framr-1727	254	43	tdlprm	tdlprm	NOUN
framr-1727	254	44	–	–	PUNCT
framr-1727	254	45	tdlpom	tdlpom	NOUN
framr-1727	255	1	10651.74000	10651.74000	NUM
framr-1727	255	2	4703.16267	4703.16267	NOUN
framr-1727	256	1	1487.27063	1487.27063	NUM
framr-1727	256	2	14016.17990	14016.17990	NUM
framr-1727	256	3	-7287.30010	-7287.30010	ADV
framr-1727	256	4	7.162	7.162	NUM
framr-1727	256	5	9	9	NUM
framr-1727	256	6	.000	.000	NUM
framr-1727	256	7	note	note	NOUN
framr-1727	256	8	:	:	PUNCT
framr-1727	256	9	prdprm→private	prdprm→private	ADJ
framr-1727	256	10	sector	sector	NOUN
framr-1727	256	11	deposit(pre	deposit(pre	NOUN
framr-1727	256	12	merger	merger	NOUN
framr-1727	256	13	)	)	PUNCT
framr-1727	256	14	,	,	PUNCT
framr-1727	256	15	prdpom→	prdpom→	PROPN
framr-1727	256	16	(	(	PUNCT
framr-1727	256	17	prd	prd	NOUN
framr-1727	256	18	in	in	ADP
framr-1727	256	19	post	post	NOUN
framr-1727	256	20	merger	merger	NOUN
framr-1727	256	21	)	)	PUNCT
framr-1727	256	22	;	;	PUNCT
framr-1727	256	23	pud→	pud→	NOUN
framr-1727	256	24	public	public	ADJ
framr-1727	256	25	sector	sector	NOUN
framr-1727	256	26	deposit	deposit	NOUN
framr-1727	256	27	,	,	PUNCT
framr-1727	256	28	tdl→total	tdl→total	ADJ
framr-1727	256	29	deposit	deposit	NOUN
framr-1727	256	30	liability	liability	NOUN
framr-1727	256	31	source	source	NOUN
framr-1727	256	32	:	:	PUNCT
framr-1727	256	33	spss(20	spss(20	ADJ
framr-1727	256	34	)	)	PUNCT
framr-1727	256	35	output	output	NOUN
framr-1727	256	36	,	,	PUNCT
framr-1727	256	37	2017	2017	NUM
framr-1727	256	38	8	8	NUM
framr-1727	256	39	.	.	PUNCT
framr-1727	257	1	discussion	discussion	NOUN
framr-1727	257	2	of	of	ADP
framr-1727	257	3	results	result	NOUN
framr-1727	257	4	in	in	ADP
framr-1727	257	5	all	all	DET
framr-1727	257	6	the	the	DET
framr-1727	257	7	regression	regression	NOUN
framr-1727	257	8	results	result	NOUN
framr-1727	257	9	,	,	PUNCT
framr-1727	257	10	dummy	dummy	ADJ
framr-1727	257	11	merger	merger	NOUN
framr-1727	257	12	(	(	PUNCT
framr-1727	257	13	dm	dm	PROPN
framr-1727	257	14	)	)	PUNCT
framr-1727	257	15	exhibited	exhibit	VERB
framr-1727	257	16	positive	positive	ADJ
framr-1727	257	17	but	but	CCONJ
framr-1727	257	18	insignificant	insignificant	ADJ
framr-1727	257	19	impact	impact	NOUN
framr-1727	257	20	on	on	ADP
framr-1727	257	21	the	the	DET
framr-1727	257	22	confidence	confidence	NOUN
framr-1727	257	23	of	of	ADP
framr-1727	257	24	the	the	DET
framr-1727	257	25	three	three	NUM
framr-1727	257	26	categories	category	NOUN
framr-1727	257	27	of	of	ADP
framr-1727	257	28	depositors	depositor	NOUN
framr-1727	257	29	at	at	ADP
framr-1727	257	30	5	5	NUM
framr-1727	257	31	%	%	NOUN
framr-1727	257	32	significance	significance	NOUN
framr-1727	257	33	level	level	NOUN
framr-1727	257	34	.	.	PUNCT
framr-1727	258	1	however	however	ADV
framr-1727	258	2	,	,	PUNCT
framr-1727	258	3	m&as	m&as	NOUN
framr-1727	258	4	as	as	SCONJ
framr-1727	258	5	proxied	proxie	VERB
framr-1727	258	6	by	by	ADP
framr-1727	258	7	shareholders	shareholder	NOUN
framr-1727	258	8	funds	fund	NOUN
framr-1727	258	9	(	(	PUNCT
framr-1727	258	10	a	a	DET
framr-1727	258	11	joint	joint	ADJ
framr-1727	258	12	proxy	proxy	NOUN
framr-1727	258	13	for	for	ADP
framr-1727	258	14	m&as	m&as	NOUN
framr-1727	258	15	)	)	PUNCT
framr-1727	258	16	indicated	indicate	VERB
framr-1727	258	17	strong	strong	ADJ
framr-1727	258	18	significant	significant	ADJ
framr-1727	258	19	and	and	CCONJ
framr-1727	258	20	positive	positive	ADJ
framr-1727	258	21	impact	impact	NOUN
framr-1727	258	22	on	on	ADP
framr-1727	258	23	confidence	confidence	NOUN
framr-1727	258	24	of	of	ADP
framr-1727	258	25	both	both	CCONJ
framr-1727	258	26	private	private	ADJ
framr-1727	258	27	sector	sector	NOUN
framr-1727	258	28	depositors	depositor	NOUN
framr-1727	258	29	and	and	CCONJ
framr-1727	258	30	total	total	ADJ
framr-1727	258	31	depositors	depositor	NOUN
framr-1727	258	32	.	.	PUNCT
framr-1727	259	1	the	the	DET
framr-1727	259	2	paired	pair	VERB
framr-1727	259	3	t	t	PROPN
framr-1727	259	4	-	-	PUNCT
framr-1727	259	5	test	test	NOUN
framr-1727	259	6	results	result	NOUN
framr-1727	259	7	(	(	PUNCT
framr-1727	259	8	table	table	NOUN
framr-1727	259	9	10	10	NUM
framr-1727	259	10	)	)	PUNCT
framr-1727	259	11	confirm	confirm	VERB
framr-1727	259	12	this	this	PRON
framr-1727	259	13	across	across	ADP
framr-1727	259	14	board	board	NOUN
framr-1727	259	15	.	.	PUNCT
framr-1727	260	1	the	the	DET
framr-1727	260	2	strong	strong	ADJ
framr-1727	260	3	and	and	CCONJ
framr-1727	260	4	significant	significant	ADJ
framr-1727	260	5	impact	impact	NOUN
framr-1727	260	6	indicated	indicate	VERB
framr-1727	260	7	by	by	ADP
framr-1727	260	8	shareholders	shareholder	NOUN
framr-1727	260	9	funds	fund	NOUN
framr-1727	260	10	as	as	ADP
framr-1727	260	11	an	an	DET
framr-1727	260	12	alternate	alternate	ADJ
framr-1727	260	13	proxy	proxy	NOUN
framr-1727	260	14	for	for	ADP
framr-1727	260	15	m&a	m&a	PROPN
framr-1727	260	16	meets	meet	VERB
framr-1727	260	17	a	a	DET
framr-1727	260	18	prior	prior	ADJ
framr-1727	260	19	expectation	expectation	NOUN
framr-1727	260	20	in	in	ADP
framr-1727	260	21	view	view	NOUN
framr-1727	260	22	of	of	ADP
framr-1727	260	23	the	the	DET
framr-1727	260	24	initial	initial	ADJ
framr-1727	260	25	jump	jump	NOUN
framr-1727	260	26	in	in	ADP
framr-1727	260	27	the	the	DET
framr-1727	260	28	capital	capital	NOUN
framr-1727	260	29	base	base	NOUN
framr-1727	260	30	of	of	ADP
framr-1727	260	31	the	the	DET
framr-1727	260	32	commercial	commercial	ADJ
framr-1727	260	33	banks	bank	NOUN
framr-1727	260	34	from	from	ADP
framr-1727	260	35	about	about	ADP
framr-1727	260	36	n2billon	n2billon	NOUN
framr-1727	260	37	to	to	ADP
framr-1727	260	38	minimum	minimum	NOUN
framr-1727	260	39	of	of	ADP
framr-1727	260	40	n25billion	n25billion	NOUN
framr-1727	260	41	(	(	PUNCT
framr-1727	260	42	over	over	ADP
framr-1727	260	43	1000	1000	NUM
framr-1727	260	44	%	%	NOUN
framr-1727	260	45	hike	hike	NOUN
framr-1727	260	46	)	)	PUNCT
framr-1727	260	47	.	.	PUNCT
framr-1727	261	1	the	the	DET
framr-1727	261	2	initial	initial	ADJ
framr-1727	261	3	insignificant	insignificant	ADJ
framr-1727	261	4	positive	positive	ADJ
framr-1727	261	5	impact	impact	NOUN
framr-1727	261	6	of	of	ADP
framr-1727	261	7	m&as	m&as	NOUN
framr-1727	261	8	on	on	ADP
framr-1727	261	9	confidence	confidence	NOUN
framr-1727	261	10	of	of	ADP
framr-1727	261	11	public	public	ADJ
framr-1727	261	12	sector	sector	NOUN
framr-1727	261	13	depositors	depositor	NOUN
framr-1727	261	14	may	may	AUX
framr-1727	261	15	be	be	AUX
framr-1727	261	16	linked	link	VERB
framr-1727	261	17	to	to	ADP
framr-1727	261	18	occasional	occasional	ADJ
framr-1727	261	19	withdrawal	withdrawal	NOUN
framr-1727	261	20	of	of	ADP
framr-1727	261	21	government	government	NOUN
framr-1727	261	22	deposits	deposit	NOUN
framr-1727	261	23	from	from	ADP
framr-1727	261	24	central	central	ADJ
framr-1727	261	25	bank	bank	PROPN
framr-1727	261	26	of	of	ADP
framr-1727	261	27	nigeria	nigeria	PROPN
framr-1727	261	28	before	before	ADP
framr-1727	261	29	2014	2014	NUM
framr-1727	261	30	and	and	CCONJ
framr-1727	261	31	the	the	DET
framr-1727	261	32	campaign	campaign	NOUN
framr-1727	261	33	/	/	SYM
framr-1727	261	34	election	election	NOUN
framr-1727	261	35	spending	spending	NOUN
framr-1727	261	36	in	in	ADP
framr-1727	261	37	2014	2014	NUM
framr-1727	261	38	for	for	ADP
framr-1727	261	39	the	the	DET
framr-1727	261	40	2015	2015	NUM
framr-1727	261	41	general	general	ADJ
framr-1727	261	42	elections	election	NOUN
framr-1727	261	43	.	.	PUNCT
framr-1727	262	1	another	another	DET
framr-1727	262	2	possible	possible	ADJ
framr-1727	262	3	reason	reason	NOUN
framr-1727	262	4	for	for	ADP
framr-1727	262	5	the	the	DET
framr-1727	262	6	insignificant	insignificant	ADJ
framr-1727	262	7	outcome	outcome	NOUN
framr-1727	262	8	is	be	AUX
framr-1727	262	9	the	the	DET
framr-1727	262	10	negative	negative	ADJ
framr-1727	262	11	effect	effect	NOUN
framr-1727	262	12	of	of	ADP
framr-1727	262	13	the	the	DET
framr-1727	262	14	treasury	treasury	PROPN
framr-1727	262	15	single	single	ADJ
framr-1727	262	16	account	account	NOUN
framr-1727	262	17	which	which	PRON
framr-1727	262	18	came	come	VERB
framr-1727	262	19	into	into	ADP
framr-1727	262	20	effect	effect	NOUN
framr-1727	262	21	in	in	ADP
framr-1727	262	22	september	september	PROPN
framr-1727	262	23	2015	2015	NUM
framr-1727	262	24	.	.	PUNCT
framr-1727	263	1	when	when	SCONJ
framr-1727	263	2	these	these	DET
framr-1727	263	3	negative	negative	ADJ
framr-1727	263	4	factors	factor	NOUN
framr-1727	263	5	were	be	AUX
framr-1727	263	6	adjusted	adjust	VERB
framr-1727	263	7	for	for	ADP
framr-1727	263	8	in	in	ADP
framr-1727	263	9	pud2	pud2	NOUN
framr-1727	263	10	(	(	PUNCT
framr-1727	263	11	table	table	NOUN
framr-1727	263	12	9	9	NUM
framr-1727	263	13	)	)	PUNCT
framr-1727	263	14	,	,	PUNCT
framr-1727	263	15	the	the	DET
framr-1727	263	16	impact	impact	NOUN
framr-1727	263	17	becomes	become	VERB
framr-1727	263	18	significant	significant	ADJ
framr-1727	263	19	with	with	ADP
framr-1727	263	20	p	p	NOUN
framr-1727	263	21	-	-	PUNCT
framr-1727	263	22	value	value	NOUN
framr-1727	263	23	of	of	ADP
framr-1727	263	24	0.002	0.002	NUM
framr-1727	263	25	.	.	PUNCT
framr-1727	264	1	financial	financial	ADJ
framr-1727	264	2	risk	risk	NOUN
framr-1727	264	3	and	and	CCONJ
framr-1727	264	4	management	management	NOUN
framr-1727	264	5	reviews	review	NOUN
framr-1727	264	6	,	,	PUNCT
framr-1727	264	7	2018	2018	NUM
framr-1727	264	8	,	,	PUNCT
framr-1727	264	9	4(1	4(1	NOUN
framr-1727	264	10	):	):	PUNCT
framr-1727	264	11	34	34	NUM
framr-1727	264	12	-	-	SYM
framr-1727	264	13	48	48	NUM
framr-1727	264	14	46	46	NUM
framr-1727	264	15	©	©	PROPN
framr-1727	264	16	2018	2018	NUM
framr-1727	264	17	conscientia	conscientia	PROPN
framr-1727	264	18	beam	beam	PROPN
framr-1727	264	19	.	.	PUNCT
framr-1727	265	1	all	all	DET
framr-1727	265	2	rights	right	NOUN
framr-1727	265	3	reserved	reserve	VERB
framr-1727	265	4	.	.	PUNCT
framr-1727	266	1	in	in	ADP
framr-1727	266	2	the	the	DET
framr-1727	266	3	adjustment	adjustment	NOUN
framr-1727	266	4	,	,	PUNCT
framr-1727	266	5	pud	pud	NOUN
framr-1727	266	6	figures	figure	NOUN
framr-1727	266	7	for	for	ADP
framr-1727	266	8	2014	2014	NUM
framr-1727	266	9	and	and	CCONJ
framr-1727	266	10	2015	2015	NUM
framr-1727	266	11	were	be	AUX
framr-1727	266	12	taken	take	VERB
framr-1727	266	13	to	to	PART
framr-1727	266	14	be	be	AUX
framr-1727	266	15	slightly	slightly	ADV
framr-1727	266	16	higher	high	ADJ
framr-1727	266	17	than	than	ADP
framr-1727	266	18	the	the	DET
framr-1727	266	19	figure	figure	NOUN
framr-1727	266	20	for	for	ADP
framr-1727	266	21	2013	2013	NUM
framr-1727	266	22	assuming	assume	VERB
framr-1727	266	23	there	there	PRON
framr-1727	266	24	were	be	VERB
framr-1727	266	25	no	no	DET
framr-1727	266	26	such	such	ADJ
framr-1727	266	27	negative	negative	ADJ
framr-1727	266	28	intervening	intervene	VERB
framr-1727	266	29	factors	factor	NOUN
framr-1727	266	30	.	.	PUNCT
framr-1727	267	1	the	the	DET
framr-1727	267	2	insignificant	insignificant	ADJ
framr-1727	267	3	outcomes	outcome	NOUN
framr-1727	267	4	associated	associate	VERB
framr-1727	267	5	with	with	ADP
framr-1727	267	6	dummy	dummy	ADJ
framr-1727	267	7	mergers	merger	NOUN
framr-1727	267	8	(	(	PUNCT
framr-1727	267	9	dm	dm	NOUN
framr-1727	267	10	)	)	PUNCT
framr-1727	267	11	may	may	AUX
framr-1727	267	12	require	require	VERB
framr-1727	267	13	further	further	ADJ
framr-1727	267	14	research	research	NOUN
framr-1727	267	15	efforts	effort	NOUN
framr-1727	267	16	for	for	ADP
framr-1727	267	17	better	well	ADJ
framr-1727	267	18	insight	insight	NOUN
framr-1727	267	19	into	into	ADP
framr-1727	267	20	the	the	DET
framr-1727	267	21	actual	actual	ADJ
framr-1727	267	22	reasons	reason	NOUN
framr-1727	267	23	behind	behind	ADP
framr-1727	267	24	them	they	PRON
framr-1727	267	25	.	.	PUNCT
framr-1727	268	1	meanwhile	meanwhile	ADV
framr-1727	268	2	,	,	PUNCT
framr-1727	268	3	the	the	DET
framr-1727	268	4	initial	initial	ADJ
framr-1727	268	5	hiccups	hiccup	NOUN
framr-1727	268	6	that	that	PRON
framr-1727	268	7	greeted	greet	VERB
framr-1727	268	8	the	the	DET
framr-1727	268	9	introduction	introduction	NOUN
framr-1727	268	10	of	of	ADP
framr-1727	268	11	the	the	DET
framr-1727	268	12	cashless	cashless	NOUN
framr-1727	268	13	policy	policy	NOUN
framr-1727	268	14	of	of	ADP
framr-1727	268	15	central	central	ADJ
framr-1727	268	16	bank	bank	PROPN
framr-1727	268	17	of	of	ADP
framr-1727	268	18	nigeria	nigeria	PROPN
framr-1727	268	19	-	-	PUNCT
framr-1727	268	20	cbn	cbn	PROPN
framr-1727	268	21	could	could	AUX
framr-1727	268	22	be	be	AUX
framr-1727	268	23	part	part	NOUN
framr-1727	268	24	of	of	ADP
framr-1727	268	25	the	the	DET
framr-1727	268	26	reasons	reason	NOUN
framr-1727	268	27	.	.	PUNCT
framr-1727	269	1	the	the	DET
framr-1727	269	2	initial	initial	ADJ
framr-1727	269	3	challenges	challenge	NOUN
framr-1727	269	4	which	which	PRON
framr-1727	269	5	trailed	trail	VERB
framr-1727	269	6	the	the	DET
framr-1727	269	7	cashless	cashless	NOUN
framr-1727	269	8	policy	policy	NOUN
framr-1727	269	9	could	could	AUX
framr-1727	269	10	discourage	discourage	VERB
framr-1727	269	11	some	some	DET
framr-1727	269	12	depositors	depositor	NOUN
framr-1727	269	13	particularly	particularly	ADV
framr-1727	269	14	the	the	DET
framr-1727	269	15	rural	rural	ADJ
framr-1727	269	16	depositors	depositor	NOUN
framr-1727	269	17	from	from	ADP
framr-1727	269	18	patronizing	patronize	VERB
framr-1727	269	19	the	the	DET
framr-1727	269	20	deposit	deposit	NOUN
framr-1727	269	21	money	money	NOUN
framr-1727	269	22	banks	bank	NOUN
framr-1727	269	23	.	.	PUNCT
framr-1727	270	1	another	another	DET
framr-1727	270	2	possible	possible	ADJ
framr-1727	270	3	reason	reason	NOUN
framr-1727	270	4	may	may	AUX
framr-1727	270	5	be	be	AUX
framr-1727	270	6	traced	trace	VERB
framr-1727	270	7	to	to	ADP
framr-1727	270	8	the	the	DET
framr-1727	270	9	nature	nature	NOUN
framr-1727	270	10	of	of	ADP
framr-1727	270	11	business	business	NOUN
framr-1727	270	12	of	of	ADP
framr-1727	270	13	majority	majority	NOUN
framr-1727	270	14	of	of	ADP
framr-1727	270	15	the	the	DET
framr-1727	270	16	traders	trader	NOUN
framr-1727	270	17	who	who	PRON
framr-1727	270	18	ordinarily	ordinarily	ADV
framr-1727	270	19	prefer	prefer	VERB
framr-1727	270	20	to	to	PART
framr-1727	270	21	keep	keep	VERB
framr-1727	270	22	their	their	PRON
framr-1727	270	23	cash	cash	NOUN
framr-1727	270	24	in	in	ADP
framr-1727	270	25	their	their	PRON
framr-1727	270	26	vault	vault	NOUN
framr-1727	270	27	so	so	SCONJ
framr-1727	270	28	that	that	SCONJ
framr-1727	270	29	they	they	PRON
framr-1727	270	30	could	could	AUX
framr-1727	270	31	easily	easily	ADV
framr-1727	270	32	take	take	VERB
framr-1727	270	33	advantage	advantage	NOUN
framr-1727	270	34	of	of	ADP
framr-1727	270	35	quick	quick	ADJ
framr-1727	270	36	business	business	NOUN
framr-1727	270	37	opportunities	opportunity	NOUN
framr-1727	270	38	.	.	PUNCT
framr-1727	271	1	the	the	DET
framr-1727	271	2	adjusted	adjusted	ADJ
framr-1727	271	3	for	for	ADP
framr-1727	271	4	the	the	DET
framr-1727	271	5	three	three	NUM
framr-1727	271	6	categories	category	NOUN
framr-1727	271	7	of	of	ADP
framr-1727	271	8	deposit	deposit	NOUN
framr-1727	271	9	which	which	PRON
framr-1727	271	10	stands	stand	VERB
framr-1727	271	11	at	at	ADP
framr-1727	271	12	90.5%-prd	90.5%-prd	NOUN
framr-1727	271	13	,	,	PUNCT
framr-1727	271	14	50.6%pud	50.6%pud	NUM
framr-1727	271	15	,	,	PUNCT
framr-1727	271	16	65.5%-pud2	65.5%-pud2	ADJ
framr-1727	271	17	and	and	CCONJ
framr-1727	271	18	87.0%-tdl	87.0%-tdl	NUM
framr-1727	271	19	,	,	PUNCT
framr-1727	271	20	suggests	suggest	VERB
framr-1727	271	21	that	that	SCONJ
framr-1727	271	22	the	the	DET
framr-1727	271	23	mergers	merger	NOUN
framr-1727	271	24	and	and	CCONJ
framr-1727	271	25	acquisitions	acquisition	NOUN
framr-1727	271	26	mainly	mainly	ADV
framr-1727	271	27	account	account	VERB
framr-1727	271	28	for	for	ADP
framr-1727	271	29	the	the	DET
framr-1727	271	30	improved	improved	ADJ
framr-1727	271	31	level	level	NOUN
framr-1727	271	32	of	of	ADP
framr-1727	271	33	confidence	confidence	NOUN
framr-1727	271	34	of	of	ADP
framr-1727	271	35	the	the	DET
framr-1727	271	36	depositors	depositor	NOUN
framr-1727	271	37	in	in	ADP
framr-1727	271	38	the	the	DET
framr-1727	271	39	nigerian	nigerian	ADJ
framr-1727	271	40	banking	banking	NOUN
framr-1727	271	41	sector	sector	NOUN
framr-1727	271	42	.	.	PUNCT
framr-1727	272	1	the	the	DET
framr-1727	272	2	overall	overall	ADJ
framr-1727	272	3	model	model	NOUN
framr-1727	272	4	appears	appear	VERB
framr-1727	272	5	to	to	PART
framr-1727	272	6	have	have	AUX
framr-1727	272	7	fitted	fit	VERB
framr-1727	272	8	the	the	DET
framr-1727	272	9	data	datum	NOUN
framr-1727	272	10	well	well	ADV
framr-1727	272	11	as	as	SCONJ
framr-1727	272	12	it	it	PRON
framr-1727	272	13	is	be	AUX
framr-1727	272	14	very	very	ADV
framr-1727	272	15	significant	significant	ADJ
framr-1727	272	16	with	with	ADP
framr-1727	272	17	f	f	NOUN
framr-1727	272	18	-	-	PUNCT
framr-1727	272	19	statistic	statistic	ADJ
framr-1727	272	20	p	p	NOUN
framr-1727	272	21	-	-	PUNCT
framr-1727	272	22	value	value	NOUN
framr-1727	272	23	for	for	ADP
framr-1727	272	24	prd	prd	NOUN
framr-1727	272	25	,	,	PUNCT
framr-1727	272	26	pud	pud	NOUN
framr-1727	272	27	and	and	CCONJ
framr-1727	272	28	tdl	tdl	PROPN
framr-1727	272	29	of	of	ADP
framr-1727	272	30	0.000	0.000	NUM
framr-1727	272	31	respectively	respectively	ADV
framr-1727	272	32	.	.	PUNCT
framr-1727	273	1	9	9	X
framr-1727	273	2	.	.	X
framr-1727	273	3	conclusion	conclusion	NOUN
framr-1727	273	4	and	and	CCONJ
framr-1727	273	5	recommendations	recommendation	NOUN
framr-1727	273	6	9.1	9.1	NUM
framr-1727	273	7	.	.	PUNCT
framr-1727	274	1	conclusion	conclusion	NOUN
framr-1727	274	2	this	this	DET
framr-1727	274	3	study	study	NOUN
framr-1727	274	4	examined	examine	VERB
framr-1727	274	5	the	the	DET
framr-1727	274	6	impact	impact	NOUN
framr-1727	274	7	of	of	ADP
framr-1727	274	8	mergers	merger	NOUN
framr-1727	274	9	and	and	CCONJ
framr-1727	274	10	acquisitions	acquisition	NOUN
framr-1727	274	11	(	(	PUNCT
framr-1727	274	12	m&as	m&as	NOUN
framr-1727	274	13	)	)	PUNCT
framr-1727	274	14	on	on	ADP
framr-1727	274	15	depositors	depositor	NOUN
framr-1727	274	16	’	’	PART
framr-1727	274	17	confidence	confidence	NOUN
framr-1727	274	18	in	in	ADP
framr-1727	274	19	the	the	DET
framr-1727	274	20	nigerian	nigerian	ADJ
framr-1727	274	21	banking	banking	NOUN
framr-1727	274	22	industry	industry	NOUN
framr-1727	274	23	for	for	ADP
framr-1727	274	24	the	the	DET
framr-1727	274	25	period	period	NOUN
framr-1727	274	26	1995	1995	NUM
framr-1727	274	27	-	-	SYM
framr-1727	274	28	2015	2015	NUM
framr-1727	274	29	.	.	PUNCT
framr-1727	275	1	multiple	multiple	ADJ
framr-1727	275	2	regression	regression	NOUN
framr-1727	275	3	approach	approach	NOUN
framr-1727	275	4	(	(	PUNCT
framr-1727	275	5	with	with	ADP
framr-1727	275	6	ordinary	ordinary	ADJ
framr-1727	275	7	least	least	ADJ
framr-1727	275	8	square	square	ADJ
framr-1727	275	9	for	for	ADP
framr-1727	275	10	estimating	estimate	VERB
framr-1727	275	11	the	the	DET
framr-1727	275	12	parameters	parameter	NOUN
framr-1727	275	13	)	)	PUNCT
framr-1727	275	14	and	and	CCONJ
framr-1727	275	15	paired	pair	VERB
framr-1727	275	16	student	student	NOUN
framr-1727	275	17	t	t	PROPN
framr-1727	275	18	-	-	PUNCT
framr-1727	275	19	test	test	NOUN
framr-1727	275	20	method	method	NOUN
framr-1727	275	21	were	be	AUX
framr-1727	275	22	employed	employ	VERB
framr-1727	275	23	in	in	ADP
framr-1727	275	24	analyzing	analyze	VERB
framr-1727	275	25	the	the	DET
framr-1727	275	26	data	datum	NOUN
framr-1727	275	27	under	under	ADP
framr-1727	275	28	pre	pre	ADJ
framr-1727	275	29	and	and	CCONJ
framr-1727	275	30	post	post	VERB
framr-1727	275	31	mergers	merger	NOUN
framr-1727	275	32	and	and	CCONJ
framr-1727	275	33	acquisitions	acquisition	NOUN
framr-1727	275	34	periods	period	NOUN
framr-1727	275	35	.	.	PUNCT
framr-1727	276	1	findings	finding	NOUN
framr-1727	276	2	show	show	VERB
framr-1727	276	3	that	that	SCONJ
framr-1727	276	4	while	while	SCONJ
framr-1727	276	5	m&as	m&as	PROPN
framr-1727	276	6	as	as	SCONJ
framr-1727	276	7	measured	measure	VERB
framr-1727	276	8	by	by	ADP
framr-1727	276	9	dummy	dummy	ADJ
framr-1727	276	10	merger	merger	NOUN
framr-1727	276	11	(	(	PUNCT
framr-1727	276	12	dm	dm	NOUN
framr-1727	276	13	)	)	PUNCT
framr-1727	276	14	indicated	indicate	VERB
framr-1727	276	15	mostly	mostly	ADV
framr-1727	276	16	positive	positive	ADJ
framr-1727	276	17	insignificant	insignificant	ADJ
framr-1727	276	18	impact	impact	NOUN
framr-1727	276	19	on	on	ADP
framr-1727	276	20	depositors	depositor	NOUN
framr-1727	276	21	’	’	PART
framr-1727	276	22	confidence	confidence	NOUN
framr-1727	276	23	,	,	PUNCT
framr-1727	276	24	they	they	PRON
framr-1727	276	25	exhibited	exhibit	VERB
framr-1727	276	26	positive	positive	ADJ
framr-1727	276	27	significant	significant	ADJ
framr-1727	276	28	impact	impact	NOUN
framr-1727	276	29	on	on	ADP
framr-1727	276	30	the	the	DET
framr-1727	276	31	depositors	depositor	NOUN
framr-1727	276	32	’	’	PART
framr-1727	276	33	confidence	confidence	NOUN
framr-1727	276	34	when	when	SCONJ
framr-1727	276	35	proxied	proxie	VERB
framr-1727	276	36	by	by	ADP
framr-1727	276	37	shareholders	shareholder	NOUN
framr-1727	276	38	’	'	PUNCT
framr-1727	276	39	funds	fund	NOUN
framr-1727	276	40	an	an	DET
framr-1727	276	41	alternate	alternate	ADJ
framr-1727	276	42	proxy	proxy	NOUN
framr-1727	276	43	.	.	PUNCT
framr-1727	277	1	the	the	DET
framr-1727	277	2	paired	pair	VERB
framr-1727	277	3	student	student	NOUN
framr-1727	277	4	t	t	PROPN
framr-1727	277	5	-	-	PUNCT
framr-1727	277	6	test	test	NOUN
framr-1727	277	7	yielded	yield	VERB
framr-1727	277	8	significant	significant	ADJ
framr-1727	277	9	positive	positive	ADJ
framr-1727	277	10	impact	impact	NOUN
framr-1727	277	11	on	on	ADP
framr-1727	277	12	depositors	depositor	NOUN
framr-1727	277	13	’	’	PART
framr-1727	277	14	confidence	confidence	NOUN
framr-1727	277	15	.	.	PUNCT
framr-1727	278	1	based	base	VERB
framr-1727	278	2	on	on	ADP
framr-1727	278	3	these	these	DET
framr-1727	278	4	outcomes	outcome	NOUN
framr-1727	278	5	,	,	PUNCT
framr-1727	278	6	this	this	DET
framr-1727	278	7	study	study	NOUN
framr-1727	278	8	concludes	conclude	VERB
framr-1727	278	9	that	that	SCONJ
framr-1727	278	10	mergers	merger	NOUN
framr-1727	278	11	and	and	CCONJ
framr-1727	278	12	acquisitions	acquisition	NOUN
framr-1727	278	13	have	have	VERB
framr-1727	278	14	positive	positive	ADJ
framr-1727	278	15	significant	significant	ADJ
framr-1727	278	16	impact	impact	NOUN
framr-1727	278	17	on	on	ADP
framr-1727	278	18	depositors	depositor	NOUN
framr-1727	278	19	’	’	PART
framr-1727	278	20	confidence	confidence	NOUN
framr-1727	278	21	in	in	ADP
framr-1727	278	22	the	the	DET
framr-1727	278	23	nigerian	nigerian	ADJ
framr-1727	278	24	banking	banking	NOUN
framr-1727	278	25	sector	sector	NOUN
framr-1727	278	26	.	.	PUNCT
framr-1727	279	1	9.2	9.2	NUM
framr-1727	279	2	.	.	PUNCT
framr-1727	280	1	recommendations	recommendation	NOUN
framr-1727	280	2	(	(	PUNCT
framr-1727	280	3	i	i	NOUN
framr-1727	280	4	)	)	PUNCT
framr-1727	280	5	banks	bank	NOUN
framr-1727	280	6	should	should	AUX
framr-1727	280	7	be	be	AUX
framr-1727	280	8	run	run	VERB
framr-1727	280	9	profitably	profitably	ADV
framr-1727	280	10	to	to	PART
framr-1727	280	11	ensure	ensure	VERB
framr-1727	280	12	enhanced	enhanced	ADJ
framr-1727	280	13	shareholders	shareholder	NOUN
framr-1727	280	14	’	'	PUNCT
framr-1727	280	15	funds	fund	NOUN
framr-1727	280	16	through	through	ADP
framr-1727	280	17	earnings	earning	NOUN
framr-1727	280	18	retention	retention	NOUN
framr-1727	280	19	.	.	PUNCT
framr-1727	281	1	(	(	PUNCT
framr-1727	281	2	ii	ii	NOUN
framr-1727	281	3	)	)	PUNCT
framr-1727	281	4	other	other	ADJ
framr-1727	281	5	strategies	strategy	NOUN
framr-1727	281	6	for	for	ADP
framr-1727	281	7	improving	improve	VERB
framr-1727	281	8	capital	capital	NOUN
framr-1727	281	9	base	base	NOUN
framr-1727	281	10	of	of	ADP
framr-1727	281	11	banks	bank	NOUN
framr-1727	281	12	such	such	ADJ
framr-1727	281	13	as	as	ADP
framr-1727	281	14	right	right	ADJ
framr-1727	281	15	issues	issue	NOUN
framr-1727	281	16	,	,	PUNCT
framr-1727	281	17	initial	initial	ADJ
framr-1727	281	18	public	public	ADJ
framr-1727	281	19	offers	offer	NOUN
framr-1727	281	20	,	,	PUNCT
framr-1727	281	21	business	business	NOUN
framr-1727	281	22	-	-	PUNCT
framr-1727	281	23	induced	induce	VERB
framr-1727	281	24	mergers	merger	NOUN
framr-1727	281	25	and	and	CCONJ
framr-1727	281	26	acquisitions	acquisition	NOUN
framr-1727	281	27	should	should	AUX
framr-1727	281	28	be	be	AUX
framr-1727	281	29	exploited	exploit	VERB
framr-1727	281	30	whenever	whenever	SCONJ
framr-1727	281	31	necessary.(iii	necessary.(iii	NOUN
framr-1727	281	32	)	)	PUNCT
framr-1727	281	33	the	the	DET
framr-1727	281	34	banks	bank	NOUN
framr-1727	281	35	should	should	AUX
framr-1727	281	36	partner	partner	VERB
framr-1727	281	37	actively	actively	ADV
framr-1727	281	38	with	with	ADP
framr-1727	281	39	monetary	monetary	ADJ
framr-1727	281	40	authorities	authority	NOUN
framr-1727	281	41	in	in	ADP
framr-1727	281	42	pursuit	pursuit	NOUN
framr-1727	281	43	of	of	ADP
framr-1727	281	44	aggressive	aggressive	ADJ
framr-1727	281	45	financial	financial	ADJ
framr-1727	281	46	inclusion	inclusion	NOUN
framr-1727	281	47	for	for	ADP
framr-1727	281	48	cheap	cheap	ADJ
framr-1727	281	49	deposits	deposit	NOUN
framr-1727	281	50	and	and	CCONJ
framr-1727	281	51	financial	financial	ADJ
framr-1727	281	52	stability	stability	NOUN
framr-1727	281	53	via	via	ADP
framr-1727	281	54	innovative	innovative	ADJ
framr-1727	281	55	product	product	NOUN
framr-1727	281	56	offerings	offering	NOUN
framr-1727	281	57	.	.	PUNCT
framr-1727	282	1	this	this	PRON
framr-1727	282	2	will	will	AUX
framr-1727	282	3	enhance	enhance	VERB
framr-1727	282	4	financial	financial	ADJ
framr-1727	282	5	stability	stability	NOUN
framr-1727	282	6	and	and	CCONJ
framr-1727	282	7	the	the	DET
framr-1727	282	8	depositors	depositor	NOUN
framr-1727	282	9	’	’	PART
framr-1727	282	10	confidence	confidence	NOUN
framr-1727	282	11	in	in	ADP
framr-1727	282	12	the	the	DET
framr-1727	282	13	banking	banking	NOUN
framr-1727	282	14	industry	industry	NOUN
framr-1727	282	15	.	.	PUNCT
framr-1727	283	1	(	(	PUNCT
framr-1727	283	2	iv	iv	X
framr-1727	283	3	)	)	PUNCT
framr-1727	283	4	sudden	sudden	ADJ
framr-1727	283	5	changes	change	NOUN
framr-1727	283	6	of	of	ADP
framr-1727	283	7	policies	policy	NOUN
framr-1727	283	8	on	on	ADP
framr-1727	283	9	banking	banking	NOUN
framr-1727	283	10	and	and	CCONJ
framr-1727	283	11	hasty	hasty	ADJ
framr-1727	283	12	implementations	implementation	NOUN
framr-1727	283	13	of	of	ADP
framr-1727	283	14	new	new	ADJ
framr-1727	283	15	ones	one	NOUN
framr-1727	283	16	should	should	AUX
framr-1727	283	17	be	be	AUX
framr-1727	283	18	minimized	minimize	VERB
framr-1727	283	19	by	by	ADP
framr-1727	283	20	the	the	DET
framr-1727	283	21	regulatory	regulatory	ADJ
framr-1727	283	22	and	and	CCONJ
framr-1727	283	23	supervisory	supervisory	ADJ
framr-1727	283	24	authorities	authority	NOUN
framr-1727	283	25	as	as	SCONJ
framr-1727	283	26	these	these	DET
framr-1727	283	27	acts	act	NOUN
framr-1727	283	28	could	could	AUX
framr-1727	283	29	lead	lead	VERB
framr-1727	283	30	to	to	ADP
framr-1727	283	31	another	another	DET
framr-1727	283	32	crisis	crisis	NOUN
framr-1727	283	33	of	of	ADP
framr-1727	283	34	confidence	confidence	NOUN
framr-1727	283	35	in	in	ADP
framr-1727	283	36	the	the	DET
framr-1727	283	37	banking	banking	NOUN
framr-1727	283	38	industry	industry	NOUN
framr-1727	283	39	in	in	ADP
framr-1727	283	40	nigeria	nigeria	PROPN
framr-1727	283	41	.	.	PUNCT
framr-1727	284	1	(	(	PUNCT
framr-1727	284	2	v	v	X
framr-1727	284	3	)	)	PUNCT
framr-1727	284	4	the	the	DET
framr-1727	284	5	cashless	cashless	NOUN
framr-1727	284	6	policy	policy	NOUN
framr-1727	284	7	of	of	ADP
framr-1727	284	8	the	the	DET
framr-1727	284	9	central	central	ADJ
framr-1727	284	10	bank	bank	PROPN
framr-1727	284	11	of	of	ADP
framr-1727	284	12	nigeria	nigeria	PROPN
framr-1727	284	13	should	should	AUX
framr-1727	284	14	be	be	AUX
framr-1727	284	15	subject	subject	ADJ
framr-1727	284	16	to	to	ADP
framr-1727	284	17	occasional	occasional	ADJ
framr-1727	284	18	review	review	NOUN
framr-1727	284	19	and	and	CCONJ
framr-1727	284	20	fine	fine	ADJ
framr-1727	284	21	tuning	tuning	NOUN
framr-1727	284	22	for	for	ADP
framr-1727	284	23	maximum	maximum	ADJ
framr-1727	284	24	benefits	benefit	NOUN
framr-1727	284	25	.	.	PUNCT
framr-1727	285	1	references	reference	NOUN
framr-1727	285	2	adebayo	adebayo	PROPN
framr-1727	285	3	,	,	PUNCT
framr-1727	285	4	o.	o.	PROPN
framr-1727	285	5	and	and	CCONJ
framr-1727	285	6	o.	o.	PROPN
framr-1727	285	7	olalekan	olalekan	PROPN
framr-1727	285	8	,	,	PUNCT
framr-1727	285	9	2012	2012	NUM
framr-1727	285	10	.	.	PUNCT
framr-1727	286	1	an	an	DET
framr-1727	286	2	analysis	analysis	NOUN
framr-1727	286	3	of	of	ADP
framr-1727	286	4	the	the	DET
framr-1727	286	5	impact	impact	NOUN
framr-1727	286	6	of	of	ADP
framr-1727	286	7	mergers	merger	NOUN
framr-1727	286	8	and	and	CCONJ
framr-1727	286	9	acquisitions	acquisition	NOUN
framr-1727	286	10	on	on	ADP
framr-1727	286	11	commercial	commercial	ADJ
framr-1727	286	12	banks	bank	NOUN
framr-1727	286	13	performance	performance	NOUN
framr-1727	286	14	in	in	ADP
framr-1727	286	15	nigeria	nigeria	PROPN
framr-1727	286	16	.	.	PUNCT
framr-1727	287	1	pakistan	pakistan	PROPN
framr-1727	287	2	journal	journal	PROPN
framr-1727	287	3	of	of	ADP
framr-1727	287	4	social	social	ADJ
framr-1727	287	5	sciences	science	NOUN
framr-1727	287	6	,	,	PUNCT
framr-1727	287	7	9(3	9(3	NUM
framr-1727	287	8	):	):	PUNCT
framr-1727	287	9	139	139	NUM
framr-1727	287	10	-	-	SYM
framr-1727	287	11	146	146	NUM
framr-1727	287	12	.	.	PUNCT
framr-1727	288	1	available	available	ADJ
framr-1727	288	2	at	at	ADP
framr-1727	288	3	:	:	PUNCT
framr-1727	288	4	https://doi.org/10.3923/pjssci.2012.139.146	https://doi.org/10.3923/pjssci.2012.139.146	PROPN
framr-1727	288	5	.	.	PUNCT
framr-1727	288	6	adegboyega	adegboyega	PROPN
framr-1727	288	7	,	,	PUNCT
framr-1727	288	8	o.i	o.i	PROPN
framr-1727	288	9	.	.	PROPN
framr-1727	288	10	,	,	PUNCT
framr-1727	288	11	2012	2012	NUM
framr-1727	288	12	.	.	PUNCT
framr-1727	289	1	merger	merger	NOUN
framr-1727	289	2	and	and	CCONJ
framr-1727	289	3	acquisition	acquisition	NOUN
framr-1727	289	4	and	and	CCONJ
framr-1727	289	5	banks	bank	NOUN
framr-1727	289	6	’	'	PUNCT
framr-1727	289	7	performance	performance	NOUN
framr-1727	289	8	in	in	ADP
framr-1727	289	9	nigeria	nigeria	PROPN
framr-1727	289	10	.	.	PUNCT
framr-1727	290	1	journal	journal	PROPN
framr-1727	290	2	of	of	ADP
framr-1727	290	3	research	research	NOUN
framr-1727	290	4	in	in	ADP
framr-1727	290	5	national	national	ADJ
framr-1727	290	6	development	development	NOUN
framr-1727	290	7	,	,	PUNCT
framr-1727	290	8	10(2	10(2	NUM
framr-1727	290	9	):	):	PUNCT
framr-1727	290	10	338	338	NUM
framr-1727	290	11	-	-	SYM
framr-1727	290	12	347	347	NUM
framr-1727	290	13	.	.	PUNCT
framr-1727	291	1	afolabi	afolabi	NOUN
framr-1727	291	2	,	,	PUNCT
framr-1727	291	3	j.a	j.a	PROPN
framr-1727	291	4	.	.	PROPN
framr-1727	291	5	,	,	PUNCT
framr-1727	291	6	2011	2011	NUM
framr-1727	291	7	.	.	PUNCT
framr-1727	292	1	mergers	merger	NOUN
framr-1727	292	2	and	and	CCONJ
framr-1727	292	3	acquisition	acquisition	NOUN
framr-1727	292	4	in	in	ADP
framr-1727	292	5	the	the	DET
framr-1727	292	6	nigerian	nigerian	ADJ
framr-1727	292	7	banking	banking	NOUN
framr-1727	292	8	system	system	NOUN
framr-1727	292	9	:	:	PUNCT
framr-1727	292	10	issues	issue	NOUN
framr-1727	292	11	and	and	CCONJ
framr-1727	292	12	challenges	challenge	NOUN
framr-1727	292	13	.	.	PUNCT
framr-1727	293	1	nigeria	nigeria	PROPN
framr-1727	293	2	deposit	deposit	PROPN
framr-1727	293	3	insurance	insurance	NOUN
framr-1727	293	4	corporation	corporation	NOUN
framr-1727	293	5	publication	publication	NOUN
framr-1727	293	6	.	.	PUNCT
framr-1727	294	1	available	available	ADJ
framr-1727	294	2	from	from	ADP
framr-1727	294	3	www.ndic.gov.ng/files/challenge	www.ndic.gov.ng/files/challenge	PROPN
framr-1727	294	4	.	.	PUNCT
framr-1727	295	1	ailemen	ailemen	PROPN
framr-1727	295	2	,	,	PUNCT
framr-1727	295	3	o.	o.	PROPN
framr-1727	295	4	and	and	CCONJ
framr-1727	295	5	b.l	b.l	PROPN
framr-1727	295	6	.	.	PROPN
framr-1727	295	7	oyero	oyero	PROPN
framr-1727	295	8	,	,	PUNCT
framr-1727	295	9	2013	2013	NUM
framr-1727	295	10	.	.	PUNCT
framr-1727	296	1	the	the	DET
framr-1727	296	2	effect	effect	NOUN
framr-1727	296	3	of	of	ADP
framr-1727	296	4	merger	merger	NOUN
framr-1727	296	5	on	on	ADP
framr-1727	296	6	deposit	deposit	NOUN
framr-1727	296	7	money	money	NOUN
framr-1727	296	8	banks	bank	NOUN
framr-1727	296	9	performance	performance	NOUN
framr-1727	296	10	in	in	ADP
framr-1727	296	11	the	the	DET
framr-1727	296	12	nigerian	nigerian	ADJ
framr-1727	296	13	banking	banking	NOUN
framr-1727	296	14	industry	industry	NOUN
framr-1727	296	15	.	.	PUNCT
framr-1727	297	1	journal	journal	PROPN
framr-1727	297	2	of	of	ADP
framr-1727	297	3	applied	apply	VERB
framr-1727	297	4	finance	finance	NOUN
framr-1727	297	5	&	&	CCONJ
framr-1727	297	6	banking	banking	NOUN
framr-1727	297	7	,	,	PUNCT
framr-1727	297	8	3(4	3(4	NUM
framr-1727	297	9	):	):	PUNCT
framr-1727	297	10	1	1	NUM
framr-1727	297	11	-	-	SYM
framr-1727	297	12	7	7	NUM
framr-1727	297	13	.	.	PUNCT
framr-1727	297	14	http://www.ndic.gov.ng/files/challenge	http://www.ndic.gov.ng/files/challenge	NOUN
framr-1727	297	15	financial	financial	ADJ
framr-1727	297	16	risk	risk	NOUN
framr-1727	297	17	and	and	CCONJ
framr-1727	297	18	management	management	NOUN
framr-1727	297	19	reviews	review	NOUN
framr-1727	297	20	,	,	PUNCT
framr-1727	297	21	2018	2018	NUM
framr-1727	297	22	,	,	PUNCT
framr-1727	297	23	4(1	4(1	NOUN
framr-1727	297	24	):	):	PUNCT
framr-1727	297	25	34	34	NUM
framr-1727	297	26	-	-	SYM
framr-1727	297	27	48	48	NUM
framr-1727	297	28	47	47	NUM
framr-1727	297	29	©	©	PROPN
framr-1727	297	30	2018	2018	NUM
framr-1727	297	31	conscientia	conscientia	PROPN
framr-1727	297	32	beam	beam	PROPN
framr-1727	297	33	.	.	PUNCT
framr-1727	298	1	all	all	DET
framr-1727	298	2	rights	right	NOUN
framr-1727	298	3	reserved	reserve	VERB
framr-1727	298	4	.	.	PUNCT
framr-1727	299	1	appah	appah	PROPN
framr-1727	299	2	,	,	PUNCT
framr-1727	299	3	e.	e.	PROPN
framr-1727	299	4	and	and	CCONJ
framr-1727	299	5	m.s	m.s	PROPN
framr-1727	299	6	.	.	PROPN
framr-1727	299	7	john	john	PROPN
framr-1727	299	8	,	,	PUNCT
framr-1727	299	9	2011	2011	NUM
framr-1727	299	10	.	.	PUNCT
framr-1727	300	1	mergers	merger	NOUN
framr-1727	300	2	and	and	CCONJ
framr-1727	300	3	acquisitions	acquisition	NOUN
framr-1727	300	4	in	in	ADP
framr-1727	300	5	the	the	DET
framr-1727	300	6	nigerian	nigerian	ADJ
framr-1727	300	7	banking	banking	NOUN
framr-1727	300	8	industry	industry	NOUN
framr-1727	300	9	:	:	PUNCT
framr-1727	300	10	an	an	DET
framr-1727	300	11	explorative	explorative	ADJ
framr-1727	300	12	investigation	investigation	NOUN
framr-1727	300	13	.	.	PUNCT
framr-1727	301	1	medwell	medwell	PROPN
framr-1727	301	2	journal	journal	PROPN
framr-1727	301	3	,	,	PUNCT
framr-1727	301	4	6(3	6(3	NUM
framr-1727	301	5	):	):	PUNCT
framr-1727	301	6	213	213	NUM
framr-1727	301	7	-	-	SYM
framr-1727	301	8	220	220	NUM
framr-1727	301	9	.	.	PUNCT
framr-1727	302	1	badreldin	badreldin	VERB
framr-1727	302	2	,	,	PUNCT
framr-1727	302	3	a.	a.	NOUN
framr-1727	302	4	and	and	CCONJ
framr-1727	302	5	c.	c.	PROPN
framr-1727	302	6	kalhoefer	kalhoefer	PROPN
framr-1727	302	7	,	,	PUNCT
framr-1727	302	8	2009	2009	NUM
framr-1727	302	9	.	.	PUNCT
framr-1727	303	1	the	the	DET
framr-1727	303	2	effect	effect	NOUN
framr-1727	303	3	of	of	ADP
framr-1727	303	4	mergers	merger	NOUN
framr-1727	303	5	and	and	CCONJ
framr-1727	303	6	acquisitions	acquisition	NOUN
framr-1727	303	7	on	on	ADP
framr-1727	303	8	banks	bank	NOUN
framr-1727	303	9	’	'	PUNCT
framr-1727	303	10	performance	performance	NOUN
framr-1727	303	11	in	in	ADP
framr-1727	303	12	egypt	egypt	PROPN
framr-1727	303	13	.	.	PUNCT
framr-1727	304	1	germany	germany	PROPN
framr-1727	304	2	university	university	PROPN
framr-1727	304	3	in	in	ADP
framr-1727	304	4	cairo	cairo	PROPN
framr-1727	304	5	working	working	PROPN
framr-1727	304	6	paper	paper	PROPN
framr-1727	305	1	no	no	INTJ
framr-1727	305	2	.	.	PROPN
framr-1727	305	3	18	18	NUM
framr-1727	305	4	.	.	X
framr-1727	306	1	boboye	boboye	PROPN
framr-1727	306	2	,	,	PUNCT
framr-1727	306	3	a.l	a.l	PROPN
framr-1727	306	4	.	.	PROPN
framr-1727	306	5	and	and	CCONJ
framr-1727	306	6	o.g	o.g	PROPN
framr-1727	306	7	.	.	PROPN
framr-1727	306	8	obisesan	obisesan	PROPN
framr-1727	306	9	,	,	PUNCT
framr-1727	306	10	2016	2016	NUM
framr-1727	306	11	.	.	PUNCT
framr-1727	307	1	the	the	DET
framr-1727	307	2	effect	effect	NOUN
framr-1727	307	3	of	of	ADP
framr-1727	307	4	merger	merger	NOUN
framr-1727	307	5	and	and	CCONJ
framr-1727	307	6	acquisition	acquisition	NOUN
framr-1727	307	7	on	on	ADP
framr-1727	307	8	the	the	DET
framr-1727	307	9	performance	performance	NOUN
framr-1727	307	10	of	of	ADP
framr-1727	307	11	banks	bank	NOUN
framr-1727	307	12	in	in	ADP
framr-1727	307	13	nigeria	nigeria	PROPN
framr-1727	307	14	.	.	PUNCT
framr-1727	308	1	journal	journal	PROPN
framr-1727	308	2	of	of	ADP
framr-1727	308	3	economics	economic	NOUN
framr-1727	308	4	and	and	CCONJ
framr-1727	308	5	international	international	ADJ
framr-1727	308	6	business	business	NOUN
framr-1727	308	7	management	management	NOUN
framr-1727	308	8	,	,	PUNCT
framr-1727	308	9	4(1	4(1	NOUN
framr-1727	308	10	):	):	PUNCT
framr-1727	308	11	22	22	NUM
framr-1727	308	12	-	-	SYM
framr-1727	308	13	29	29	NUM
framr-1727	308	14	.	.	PUNCT
framr-1727	309	1	cbn	cbn	PROPN
framr-1727	309	2	,	,	PUNCT
framr-1727	309	3	2011	2011	NUM
framr-1727	309	4	.	.	PUNCT
framr-1727	310	1	questions	question	NOUN
framr-1727	310	2	and	and	CCONJ
framr-1727	310	3	answers	answer	NOUN
framr-1727	310	4	on	on	ADP
framr-1727	310	5	the	the	DET
framr-1727	310	6	cbn	cbn	PROPN
framr-1727	310	7	policy	policy	NOUN
framr-1727	310	8	on	on	ADP
framr-1727	310	9	cash	cash	NOUN
framr-1727	310	10	withdrawal	withdrawal	NOUN
framr-1727	310	11	/	/	SYM
framr-1727	310	12	lodgment	lodgment	NOUN
framr-1727	310	13	limit	limit	NOUN
framr-1727	310	14	.	.	PUNCT
framr-1727	311	1	central	central	ADJ
framr-1727	311	2	bank	bank	PROPN
framr-1727	311	3	of	of	ADP
framr-1727	311	4	nigeria	nigeria	PROPN
framr-1727	311	5	,	,	PUNCT
framr-1727	311	6	abuja	abuja	PROPN
framr-1727	311	7	.	.	PUNCT
framr-1727	312	1	chima	chima	PROPN
framr-1727	312	2	,	,	PUNCT
framr-1727	312	3	o.	o.	PROPN
framr-1727	312	4	,	,	PUNCT
framr-1727	312	5	2013	2013	NUM
framr-1727	312	6	.	.	PUNCT
framr-1727	313	1	kpmg	kpmg	PROPN
framr-1727	313	2	:	:	PUNCT
framr-1727	314	1	nigeria	nigeria	PROPN
framr-1727	314	2	recorded	record	VERB
framr-1727	314	3	$	$	SYM
framr-1727	314	4	7.415bn	7.415bn	PROPN
framr-1727	314	5	m&a	m&a	PROPN
framr-1727	314	6	deals	deal	NOUN
framr-1727	314	7	in	in	ADP
framr-1727	314	8	2012	2012	NUM
framr-1727	314	9	.	.	PUNCT
framr-1727	315	1	thisday	thisday	NOUN
framr-1727	315	2	.	.	PUNCT
framr-1727	316	1	available	available	ADJ
framr-1727	316	2	from	from	ADP
framr-1727	316	3	http://www.thisdaylive.com	http://www.thisdaylive.com	X
framr-1727	317	1	[	[	X
framr-1727	317	2	accessed	access	VERB
framr-1727	317	3	(	(	PUNCT
framr-1727	317	4	march	march	PROPN
framr-1727	317	5	27	27	NUM
framr-1727	317	6	)	)	PUNCT
framr-1727	317	7	1	1	NUM
framr-1727	317	8	]	]	PUNCT
framr-1727	317	9	.	.	PUNCT
framr-1727	318	1	eboreime	eboreime	PROPN
framr-1727	318	2	,	,	PUNCT
framr-1727	318	3	i.m	i.m	PROPN
framr-1727	318	4	.	.	PROPN
framr-1727	318	5	,	,	PUNCT
framr-1727	318	6	2009	2009	NUM
framr-1727	318	7	.	.	PUNCT
framr-1727	319	1	banking	banking	NOUN
framr-1727	319	2	distress	distress	NOUN
framr-1727	319	3	,	,	PUNCT
framr-1727	319	4	consolidation	consolidation	NOUN
framr-1727	319	5	and	and	CCONJ
framr-1727	319	6	economic	economic	ADJ
framr-1727	319	7	development	development	NOUN
framr-1727	319	8	in	in	ADP
framr-1727	319	9	nigeria	nigeria	PROPN
framr-1727	319	10	.	.	PUNCT
framr-1727	320	1	journal	journal	PROPN
framr-1727	320	2	of	of	ADP
framr-1727	320	3	research	research	NOUN
framr-1727	320	4	in	in	ADP
framr-1727	320	5	national	national	ADJ
framr-1727	320	6	development	development	NOUN
framr-1727	320	7	,	,	PUNCT
framr-1727	320	8	7(2	7(2	NUM
framr-1727	320	9	)	)	PUNCT
framr-1727	320	10	.	.	PUNCT
framr-1727	321	1	efina	efina	PROPN
framr-1727	321	2	,	,	PUNCT
framr-1727	321	3	2015	2015	NUM
framr-1727	321	4	.	.	PUNCT
framr-1727	322	1	financial	financial	ADJ
framr-1727	322	2	inclusion	inclusion	NOUN
framr-1727	322	3	in	in	ADP
framr-1727	322	4	nigeria	nigeria	PROPN
framr-1727	322	5	.	.	PUNCT
framr-1727	323	1	available	available	ADJ
framr-1727	323	2	from	from	ADP
framr-1727	323	3	http://www.efina.org.ng	http://www.efina.org.ng	NOUN
framr-1727	323	4	.	.	PUNCT
framr-1727	324	1	egwuatu	egwuatu	PROPN
framr-1727	324	2	,	,	PUNCT
framr-1727	324	3	p.	p.	NOUN
framr-1727	324	4	,	,	PUNCT
framr-1727	324	5	2015	2015	NUM
framr-1727	324	6	.	.	PUNCT
framr-1727	325	1	nb	nb	PROPN
framr-1727	325	2	confirms	confirm	VERB
framr-1727	325	3	sec	sec	PROPN
framr-1727	325	4	approval	approval	NOUN
framr-1727	325	5	of	of	ADP
framr-1727	325	6	merger	merger	NOUN
framr-1727	325	7	with	with	ADP
framr-1727	325	8	consolidated	consolidated	ADJ
framr-1727	325	9	breweries	brewery	NOUN
framr-1727	325	10	,	,	PUNCT
framr-1727	325	11	vanguard	vanguard	NOUN
framr-1727	325	12	available	available	ADJ
framr-1727	325	13	from	from	ADP
framr-1727	325	14	http://www.vanguardngr.com	http://www.vanguardngr.com	PROPN
framr-1727	325	15	gujarati	gujarati	PROPN
framr-1727	325	16	,	,	PUNCT
framr-1727	325	17	d.n	d.n	PROPN
framr-1727	325	18	.	.	PROPN
framr-1727	325	19	,	,	PUNCT
framr-1727	325	20	2006	2006	NUM
framr-1727	325	21	.	.	PUNCT
framr-1727	326	1	essentials	essential	NOUN
framr-1727	326	2	of	of	ADP
framr-1727	326	3	econometrics	econometric	NOUN
framr-1727	326	4	.	.	PUNCT
framr-1727	327	1	new	new	PROPN
framr-1727	327	2	york	york	PROPN
framr-1727	327	3	,	,	PUNCT
framr-1727	327	4	usa	usa	PROPN
framr-1727	327	5	:	:	PUNCT
framr-1727	327	6	mcgraw	mcgraw	PROPN
framr-1727	327	7	-	-	PUNCT
framr-1727	327	8	hill	hill	PROPN
framr-1727	327	9	.	.	PUNCT
framr-1727	328	1	iacobelli	iacobelli	PROPN
framr-1727	328	2	,	,	PUNCT
framr-1727	328	3	a.	a.	NOUN
framr-1727	328	4	,	,	PUNCT
framr-1727	328	5	2017	2017	NUM
framr-1727	328	6	.	.	PUNCT
framr-1727	329	1	determinants	determinant	NOUN
framr-1727	329	2	of	of	ADP
framr-1727	329	3	profitability	profitability	NOUN
framr-1727	329	4	:	:	PUNCT
framr-1727	329	5	empirical	empirical	ADJ
framr-1727	329	6	evidence	evidence	NOUN
framr-1727	329	7	from	from	ADP
framr-1727	329	8	the	the	DET
framr-1727	329	9	largest	large	ADJ
framr-1727	329	10	global	global	ADJ
framr-1727	329	11	banks	bank	NOUN
framr-1727	329	12	.	.	PUNCT
framr-1727	330	1	available	available	ADJ
framr-1727	330	2	from	from	ADP
framr-1727	330	3	www.albany.edu/honorscollege/files/antonioiacobelli.pdf	www.albany.edu/honorscollege/files/antonioiacobelli.pdf	PROPN
framr-1727	331	1	.	.	PUNCT
framr-1727	331	2	masud	masud	PROPN
framr-1727	331	3	,	,	PUNCT
framr-1727	331	4	n.	n.	NOUN
framr-1727	331	5	,	,	PUNCT
framr-1727	331	6	2015	2015	NUM
framr-1727	331	7	.	.	PUNCT
framr-1727	332	1	impact	impact	NOUN
framr-1727	332	2	of	of	ADP
framr-1727	332	3	merger	merger	NOUN
framr-1727	332	4	and	and	CCONJ
framr-1727	332	5	acquisition	acquisition	NOUN
framr-1727	332	6	on	on	ADP
framr-1727	332	7	financial	financial	ADJ
framr-1727	332	8	performance	performance	NOUN
framr-1727	332	9	of	of	ADP
framr-1727	332	10	banks	bank	NOUN
framr-1727	332	11	:	:	PUNCT
framr-1727	332	12	evidence	evidence	NOUN
framr-1727	332	13	from	from	ADP
framr-1727	332	14	pakistan	pakistan	PROPN
framr-1727	332	15	.	.	PUNCT
framr-1727	333	1	reseach	reseach	PROPN
framr-1727	333	2	juornal	juornal	PROPN
framr-1727	333	3	of	of	ADP
framr-1727	333	4	resent	resent	PROPN
framr-1727	333	5	science	science	PROPN
framr-1727	333	6	,	,	PUNCT
framr-1727	333	7	4(5	4(5	NUM
framr-1727	333	8	):	):	PUNCT
framr-1727	333	9	108	108	NUM
framr-1727	333	10	-	-	SYM
framr-1727	333	11	113	113	NUM
framr-1727	333	12	.	.	PUNCT
framr-1727	334	1	mcclure	mcclure	PROPN
framr-1727	334	2	,	,	PUNCT
framr-1727	334	3	b.	b.	PROPN
framr-1727	334	4	,	,	PUNCT
framr-1727	334	5	2014	2014	NUM
framr-1727	334	6	.	.	PUNCT
framr-1727	335	1	mergers	merger	NOUN
framr-1727	335	2	and	and	CCONJ
framr-1727	335	3	acquisition	acquisition	NOUN
framr-1727	335	4	:	:	PUNCT
framr-1727	335	5	definitions	definition	NOUN
framr-1727	335	6	.	.	PUNCT
framr-1727	336	1	available	available	ADJ
framr-1727	336	2	from	from	ADP
framr-1727	336	3	www.investopedia.com/university/merger	www.investopedia.com/university/merger	PROPN
framr-1727	336	4	.	.	PUNCT
framr-1727	337	1	moyo	moyo	PROPN
framr-1727	337	2	,	,	PUNCT
framr-1727	337	3	j.	j.	PROPN
framr-1727	337	4	,	,	PUNCT
framr-1727	337	5	b.	b.	PROPN
framr-1727	337	6	nandwa	nandwa	PROPN
framr-1727	337	7	,	,	PUNCT
framr-1727	337	8	j.	j.	PROPN
framr-1727	337	9	oduor	oduor	PROPN
framr-1727	337	10	and	and	CCONJ
framr-1727	337	11	j.	j.	PROPN
framr-1727	337	12	simpasa	simpasa	PROPN
framr-1727	337	13	,	,	PUNCT
framr-1727	337	14	2014	2014	NUM
framr-1727	337	15	.	.	PUNCT
framr-1727	338	1	financial	financial	ADJ
framr-1727	338	2	sector	sector	NOUN
framr-1727	338	3	reforms	reform	NOUN
framr-1727	338	4	,	,	PUNCT
framr-1727	338	5	competition	competition	NOUN
framr-1727	338	6	and	and	CCONJ
framr-1727	338	7	banking	banking	NOUN
framr-1727	338	8	system	system	NOUN
framr-1727	338	9	stability	stability	NOUN
framr-1727	338	10	in	in	ADP
framr-1727	338	11	subsaharan	subsaharan	PROPN
framr-1727	338	12	africa	africa	PROPN
framr-1727	338	13	.	.	PUNCT
framr-1727	339	1	being	be	AUX
framr-1727	339	2	paper	paper	NOUN
framr-1727	339	3	presented	present	VERB
framr-1727	339	4	at	at	ADP
framr-1727	339	5	the	the	DET
framr-1727	339	6	joint	joint	ADJ
framr-1727	339	7	res	re	NOUN
framr-1727	339	8	-	-	PUNCT
framr-1727	339	9	spr	spr	NOUN
framr-1727	339	10	conference	conference	NOUN
framr-1727	339	11	on	on	ADP
framr-1727	339	12	―macroeconomic	―macroeconomic	ADJ
framr-1727	339	13	challenges	challenge	NOUN
framr-1727	339	14	facing	face	VERB
framr-1727	339	15	lowincome	lowincome	NOUN
framr-1727	339	16	countries‖	countries‖	NUM
framr-1727	339	17	hosted	host	VERB
framr-1727	339	18	by	by	ADP
framr-1727	339	19	the	the	DET
framr-1727	339	20	international	international	ADJ
framr-1727	339	21	monetary	monetary	ADJ
framr-1727	339	22	fund	fund	NOUN
framr-1727	339	23	with	with	ADP
framr-1727	339	24	support	support	NOUN
framr-1727	339	25	from	from	ADP
framr-1727	339	26	the	the	DET
framr-1727	339	27	uk	uk	PROPN
framr-1727	339	28	department	department	PROPN
framr-1727	339	29	of	of	ADP
framr-1727	339	30	international	international	PROPN
framr-1727	339	31	development	development	PROPN
framr-1727	339	32	(	(	PUNCT
framr-1727	339	33	dfid	dfid	PROPN
framr-1727	339	34	)	)	PUNCT
framr-1727	339	35	washington	washington	PROPN
framr-1727	339	36	,	,	PUNCT
framr-1727	339	37	dc	dc	PROPN
framr-1727	339	38	—	—	PUNCT
framr-1727	339	39	january	january	PROPN
framr-1727	339	40	30–31	30–31	NUM
framr-1727	339	41	.	.	PUNCT
framr-1727	340	1	narwal	narwal	PROPN
framr-1727	340	2	,	,	PUNCT
framr-1727	340	3	k.p	k.p	PROPN
framr-1727	340	4	.	.	PROPN
framr-1727	340	5	and	and	CCONJ
framr-1727	340	6	s.	s.	PROPN
framr-1727	340	7	pathneja	pathneja	PROPN
framr-1727	340	8	,	,	PUNCT
framr-1727	340	9	2015	2015	NUM
framr-1727	340	10	.	.	PUNCT
framr-1727	341	1	determinants	determinant	NOUN
framr-1727	341	2	of	of	ADP
framr-1727	341	3	productivity	productivity	NOUN
framr-1727	341	4	and	and	CCONJ
framr-1727	341	5	profitability	profitability	NOUN
framr-1727	341	6	of	of	ADP
framr-1727	341	7	indian	indian	ADJ
framr-1727	341	8	banking	banking	NOUN
framr-1727	341	9	sector	sector	NOUN
framr-1727	341	10	:	:	PUNCT
framr-1727	341	11	a	a	DET
framr-1727	341	12	comparative	comparative	ADJ
framr-1727	341	13	study	study	NOUN
framr-1727	341	14	.	.	PUNCT
framr-1727	342	1	eurasian	eurasian	ADJ
framr-1727	342	2	journal	journal	PROPN
framr-1727	342	3	of	of	ADP
framr-1727	342	4	business	business	NOUN
framr-1727	342	5	and	and	CCONJ
framr-1727	342	6	economics	economic	NOUN
framr-1727	342	7	,	,	PUNCT
framr-1727	342	8	8(16	8(16	NUM
framr-1727	342	9	):	):	PUNCT
framr-1727	342	10	35	35	NUM
framr-1727	342	11	-	-	SYM
framr-1727	342	12	58	58	NUM
framr-1727	342	13	.	.	PUNCT
framr-1727	343	1	available	available	ADJ
framr-1727	343	2	at	at	ADP
framr-1727	343	3	:	:	PUNCT
framr-1727	343	4	https://doi.org/10.17015/ejbe.2015.016.03	https://doi.org/10.17015/ejbe.2015.016.03	PROPN
framr-1727	343	5	.	.	PUNCT
framr-1727	344	1	njogo	njogo	PROPN
framr-1727	344	2	,	,	PUNCT
framr-1727	344	3	b.o	b.o	PROPN
framr-1727	344	4	.	.	PROPN
framr-1727	344	5	,	,	PUNCT
framr-1727	344	6	s.	s.	PROPN
framr-1727	344	7	ayanwale	ayanwale	PROPN
framr-1727	344	8	and	and	CCONJ
framr-1727	344	9	e.	e.	PROPN
framr-1727	344	10	nwankwo	nwankwo	PROPN
framr-1727	344	11	,	,	PUNCT
framr-1727	344	12	2016	2016	NUM
framr-1727	344	13	.	.	PUNCT
framr-1727	345	1	impact	impact	NOUN
framr-1727	345	2	of	of	ADP
framr-1727	345	3	mergers	merger	NOUN
framr-1727	345	4	and	and	CCONJ
framr-1727	345	5	acquisitions	acquisition	NOUN
framr-1727	345	6	on	on	ADP
framr-1727	345	7	the	the	DET
framr-1727	345	8	performance	performance	NOUN
framr-1727	345	9	of	of	ADP
framr-1727	345	10	deposit	deposit	NOUN
framr-1727	345	11	money	money	NOUN
framr-1727	345	12	banks	bank	NOUN
framr-1727	345	13	in	in	ADP
framr-1727	345	14	nigeria	nigeria	PROPN
framr-1727	345	15	.	.	PUNCT
framr-1727	346	1	european	european	PROPN
framr-1727	346	2	journal	journal	PROPN
framr-1727	346	3	of	of	ADP
framr-1727	346	4	accounting	accounting	NOUN
framr-1727	346	5	,	,	PUNCT
framr-1727	346	6	auditing	auditing	NOUN
framr-1727	346	7	and	and	CCONJ
framr-1727	346	8	finance	finance	NOUN
framr-1727	346	9	research	research	NOUN
framr-1727	346	10	,	,	PUNCT
framr-1727	346	11	4(4	4(4	NUM
framr-1727	346	12	):	):	PUNCT
framr-1727	346	13	1	1	NUM
framr-1727	346	14	-	-	SYM
framr-1727	346	15	17	17	NUM
framr-1727	346	16	.	.	PUNCT
framr-1727	347	1	nwaubani	nwaubani	PROPN
framr-1727	347	2	,	,	PUNCT
framr-1727	347	3	a.n	a.n	PROPN
framr-1727	347	4	.	.	PROPN
framr-1727	347	5	and	and	CCONJ
framr-1727	347	6	j.i	j.i	PROPN
framr-1727	347	7	.	.	PROPN
framr-1727	347	8	ezeudu	ezeudu	PROPN
framr-1727	347	9	,	,	PUNCT
framr-1727	347	10	2015	2015	NUM
framr-1727	347	11	.	.	PUNCT
framr-1727	348	1	mergers	merger	NOUN
framr-1727	348	2	and	and	CCONJ
framr-1727	348	3	acquisitions	acquisition	NOUN
framr-1727	348	4	:	:	PUNCT
framr-1727	348	5	an	an	DET
framr-1727	348	6	approach	approach	NOUN
framr-1727	348	7	for	for	ADP
framr-1727	348	8	addressing	address	VERB
framr-1727	348	9	crisis	crisis	NOUN
framr-1727	348	10	of	of	ADP
framr-1727	348	11	confidence	confidence	NOUN
framr-1727	348	12	in	in	ADP
framr-1727	348	13	the	the	DET
framr-1727	348	14	nigerian	nigerian	ADJ
framr-1727	348	15	banking	banking	NOUN
framr-1727	348	16	sector	sector	NOUN
framr-1727	348	17	.	.	PUNCT
framr-1727	349	1	enugu	enugu	PROPN
framr-1727	349	2	state	state	PROPN
framr-1727	349	3	university	university	PROPN
framr-1727	349	4	of	of	ADP
framr-1727	349	5	technology(esut	technology(esut	PROPN
framr-1727	349	6	)	)	PUNCT
framr-1727	349	7	journal	journal	NOUN
framr-1727	349	8	of	of	ADP
framr-1727	349	9	accountancy	accountancy	NOUN
framr-1727	349	10	,	,	PUNCT
framr-1727	349	11	6(2	6(2	NUM
framr-1727	349	12	):	):	PUNCT
framr-1727	349	13	139	139	NUM
framr-1727	349	14	-	-	SYM
framr-1727	349	15	156	156	NUM
framr-1727	349	16	.	.	PUNCT
framr-1727	350	1	nwidobie	nwidobie	PROPN
framr-1727	350	2	,	,	PUNCT
framr-1727	350	3	b.	b.	PROPN
framr-1727	350	4	,	,	PUNCT
framr-1727	350	5	2013	2013	NUM
framr-1727	350	6	.	.	PUNCT
framr-1727	351	1	bank	bank	NOUN
framr-1727	351	2	mergers	merger	NOUN
framr-1727	351	3	and	and	CCONJ
framr-1727	351	4	acquisitions	acquisition	NOUN
framr-1727	351	5	and	and	CCONJ
framr-1727	351	6	shareholders	shareholder	NOUN
framr-1727	351	7	’	'	PUNCT
framr-1727	351	8	wealth	wealth	NOUN
framr-1727	351	9	maximization	maximization	NOUN
framr-1727	351	10	in	in	ADP
framr-1727	351	11	nigeria	nigeria	PROPN
framr-1727	351	12	.	.	PUNCT
framr-1727	352	1	journal	journal	PROPN
framr-1727	352	2	of	of	ADP
framr-1727	352	3	applied	apply	VERB
framr-1727	352	4	finance	finance	NOUN
framr-1727	352	5	and	and	CCONJ
framr-1727	352	6	banking	banking	NOUN
framr-1727	352	7	,	,	PUNCT
framr-1727	352	8	3(3	3(3	NUM
framr-1727	352	9	):	):	PUNCT
framr-1727	352	10	255	255	NUM
framr-1727	352	11	-	-	SYM
framr-1727	352	12	270	270	NUM
framr-1727	352	13	.	.	PUNCT
framr-1727	353	1	nzotta	nzotta	PROPN
framr-1727	353	2	,	,	PUNCT
framr-1727	353	3	s.m	s.m	PROPN
framr-1727	353	4	.	.	PROPN
framr-1727	353	5	,	,	PUNCT
framr-1727	353	6	2014	2014	NUM
framr-1727	353	7	.	.	PUNCT
framr-1727	354	1	money	money	NOUN
framr-1727	354	2	,	,	PUNCT
framr-1727	354	3	banking	banking	NOUN
framr-1727	354	4	and	and	CCONJ
framr-1727	354	5	finance	finance	NOUN
framr-1727	354	6	:	:	PUNCT
framr-1727	354	7	theory	theory	NOUN
framr-1727	354	8	and	and	CCONJ
framr-1727	354	9	practice	practice	NOUN
framr-1727	354	10	.	.	PUNCT
framr-1727	355	1	owerri	owerri	PROPN
framr-1727	355	2	nigeria	nigeria	PROPN
framr-1727	355	3	:	:	PUNCT
framr-1727	355	4	good	good	PROPN
framr-1727	355	5	-	-	PUNCT
framr-1727	355	6	davis	davis	PROPN
framr-1727	355	7	associates	associates	PROPN
framr-1727	355	8	.	.	PUNCT
framr-1727	356	1	odetayo	odetayo	PROPN
framr-1727	356	2	,	,	PUNCT
framr-1727	356	3	t.	t.	PROPN
framr-1727	356	4	,	,	PUNCT
framr-1727	356	5	a.	a.	NOUN
framr-1727	356	6	sajuyigbe	sajuyigbe	NOUN
framr-1727	356	7	and	and	CCONJ
framr-1727	356	8	s.	s.	PROPN
framr-1727	356	9	olowe	olowe	PROPN
framr-1727	356	10	,	,	PUNCT
framr-1727	356	11	2013	2013	NUM
framr-1727	356	12	.	.	PUNCT
framr-1727	357	1	empirical	empirical	ADJ
framr-1727	357	2	analysis	analysis	NOUN
framr-1727	357	3	of	of	ADP
framr-1727	357	4	the	the	DET
framr-1727	357	5	impact	impact	NOUN
framr-1727	357	6	of	of	ADP
framr-1727	357	7	post	post	NOUN
framr-1727	357	8	-	-	NOUN
framr-1727	357	9	merger	merger	NOUN
framr-1727	357	10	on	on	ADP
framr-1727	357	11	nigerian	nigerian	ADJ
framr-1727	357	12	banks	bank	NOUN
framr-1727	357	13	profitability	profitability	NOUN
framr-1727	357	14	.	.	PUNCT
framr-1727	358	1	research	research	NOUN
framr-1727	358	2	journal	journal	PROPN
framr-1727	358	3	of	of	ADP
framr-1727	358	4	finance	finance	NOUN
framr-1727	358	5	and	and	CCONJ
framr-1727	358	6	accounting	accounting	NOUN
framr-1727	358	7	,	,	PUNCT
framr-1727	358	8	4(17	4(17	NUM
framr-1727	358	9	):	):	PUNCT
framr-1727	358	10	91	91	NUM
framr-1727	358	11	-	-	SYM
framr-1727	358	12	97	97	NUM
framr-1727	358	13	.	.	PUNCT
framr-1727	359	1	ogbochie	ogbochie	NOUN
framr-1727	359	2	,	,	PUNCT
framr-1727	359	3	c.	c.	NOUN
framr-1727	359	4	,	,	PUNCT
framr-1727	359	5	2011	2011	NUM
framr-1727	359	6	.	.	PUNCT
framr-1727	360	1	matters	matter	NOUN
framr-1727	360	2	arising	arise	VERB
framr-1727	360	3	on	on	ADP
framr-1727	360	4	mergers	merger	NOUN
framr-1727	360	5	and	and	CCONJ
framr-1727	360	6	acquisition	acquisition	NOUN
framr-1727	360	7	.	.	PUNCT
framr-1727	361	1	available	available	ADJ
framr-1727	361	2	from	from	ADP
framr-1727	361	3	http://www.thisdaylive.com	http://www.thisdaylive.com	PROPN
framr-1727	361	4	.	.	PUNCT
framr-1727	362	1	ogunbiyi	ogunbiyi	PROPN
framr-1727	362	2	,	,	PUNCT
framr-1727	362	3	s.s	s.s	PROPN
framr-1727	362	4	.	.	PROPN
framr-1727	362	5	and	and	CCONJ
framr-1727	362	6	p.o	p.o	PROPN
framr-1727	362	7	.	.	PROPN
framr-1727	362	8	ihejirika	ihejirika	PROPN
framr-1727	362	9	,	,	PUNCT
framr-1727	362	10	2014	2014	NUM
framr-1727	362	11	.	.	PUNCT
framr-1727	363	1	interest	interest	NOUN
framr-1727	363	2	rates	rate	NOUN
framr-1727	363	3	and	and	CCONJ
framr-1727	363	4	deposit	deposit	VERB
framr-1727	363	5	money	money	NOUN
framr-1727	363	6	banks	bank	NOUN
framr-1727	363	7	'	'	PART
framr-1727	363	8	profitability	profitability	NOUN
framr-1727	363	9	nexus	nexus	NOUN
framr-1727	363	10	:	:	PUNCT
framr-1727	363	11	the	the	DET
framr-1727	363	12	nigerian	nigerian	ADJ
framr-1727	363	13	experience	experience	NOUN
framr-1727	363	14	.	.	PUNCT
framr-1727	364	1	oman	oman	PROPN
framr-1727	364	2	chapter	chapter	PROPN
framr-1727	364	3	of	of	ADP
framr-1727	364	4	arabian	arabian	ADJ
framr-1727	364	5	journal	journal	PROPN
framr-1727	364	6	of	of	ADP
framr-1727	364	7	business	business	NOUN
framr-1727	364	8	and	and	CCONJ
framr-1727	364	9	management	management	NOUN
framr-1727	364	10	review	review	NOUN
framr-1727	364	11	,	,	PUNCT
framr-1727	364	12	34(2350	34(2350	NUM
framr-1727	364	13	):	):	PUNCT
framr-1727	364	14	1	1	NUM
framr-1727	364	15	-	-	SYM
framr-1727	364	16	16	16	NUM
framr-1727	364	17	.	.	PUNCT
framr-1727	365	1	okpanachi	okpanachi	ADV
framr-1727	365	2	,	,	PUNCT
framr-1727	365	3	j.	j.	PROPN
framr-1727	365	4	,	,	PUNCT
framr-1727	365	5	2011	2011	NUM
framr-1727	365	6	.	.	PUNCT
framr-1727	366	1	comparative	comparative	ADJ
framr-1727	366	2	analysis	analysis	NOUN
framr-1727	366	3	of	of	ADP
framr-1727	366	4	the	the	DET
framr-1727	366	5	impact	impact	NOUN
framr-1727	366	6	of	of	ADP
framr-1727	366	7	mergers	merger	NOUN
framr-1727	366	8	and	and	CCONJ
framr-1727	366	9	acquisitions	acquisition	NOUN
framr-1727	366	10	on	on	ADP
framr-1727	366	11	financial	financial	ADJ
framr-1727	366	12	efficiency	efficiency	NOUN
framr-1727	366	13	of	of	ADP
framr-1727	366	14	banks	bank	NOUN
framr-1727	366	15	in	in	ADP
framr-1727	366	16	nigeria	nigeria	PROPN
framr-1727	366	17	.	.	PUNCT
framr-1727	367	1	journal	journal	PROPN
framr-1727	367	2	of	of	ADP
framr-1727	367	3	accounting	accounting	NOUN
framr-1727	367	4	and	and	CCONJ
framr-1727	367	5	taxation	taxation	NOUN
framr-1727	367	6	,	,	PUNCT
framr-1727	367	7	3(1	3(1	NUM
framr-1727	367	8	):	):	PUNCT
framr-1727	367	9	1	1	NUM
framr-1727	367	10	-	-	SYM
framr-1727	367	11	7	7	NUM
framr-1727	367	12	.	.	PUNCT
framr-1727	368	1	olayinka	olayinka	PROPN
framr-1727	368	2	,	,	PUNCT
framr-1727	368	3	t.t	t.t	PROPN
framr-1727	368	4	.	.	PROPN
framr-1727	368	5	and	and	CCONJ
framr-1727	368	6	m.a	m.a	PROPN
framr-1727	368	7	.	.	PROPN
framr-1727	368	8	farouk	farouk	PROPN
framr-1727	368	9	,	,	PUNCT
framr-1727	368	10	2014	2014	NUM
framr-1727	368	11	.	.	PUNCT
framr-1727	369	1	the	the	DET
framr-1727	369	2	impact	impact	NOUN
framr-1727	369	3	of	of	ADP
framr-1727	369	4	consolidation	consolidation	NOUN
framr-1727	369	5	on	on	ADP
framr-1727	369	6	the	the	DET
framr-1727	369	7	performance	performance	NOUN
framr-1727	369	8	of	of	ADP
framr-1727	369	9	banks	bank	NOUN
framr-1727	369	10	in	in	ADP
framr-1727	369	11	nigeria	nigeria	PROPN
framr-1727	369	12	.	.	PUNCT
framr-1727	370	1	global	global	ADJ
framr-1727	370	2	advanced	advanced	ADJ
framr-1727	370	3	journal	journal	NOUN
framr-1727	370	4	of	of	ADP
framr-1727	370	5	management	management	NOUN
framr-1727	370	6	and	and	CCONJ
framr-1727	370	7	business	business	NOUN
framr-1727	370	8	studies	study	NOUN
framr-1727	370	9	,	,	PUNCT
framr-1727	370	10	3	3	NUM
framr-1727	370	11	:	:	SYM
framr-1727	370	12	479	479	NUM
framr-1727	370	13	-	-	SYM
framr-1727	370	14	485	485	NUM
framr-1727	370	15	.	.	PUNCT
framr-1727	371	1	olugbenga	olugbenga	PROPN
framr-1727	371	2	,	,	PUNCT
framr-1727	371	3	a.a	a.a	PROPN
framr-1727	371	4	.	.	PROPN
framr-1727	371	5	and	and	CCONJ
framr-1727	371	6	o.l	o.l	PROPN
framr-1727	371	7	.	.	PROPN
framr-1727	371	8	olusola	olusola	PROPN
framr-1727	371	9	,	,	PUNCT
framr-1727	371	10	2014	2014	NUM
framr-1727	371	11	.	.	PUNCT
framr-1727	372	1	synergistic	synergistic	ADJ
framr-1727	372	2	effect	effect	NOUN
framr-1727	372	3	of	of	ADP
framr-1727	372	4	recent	recent	ADJ
framr-1727	372	5	mergers	merger	NOUN
framr-1727	372	6	and	and	CCONJ
framr-1727	372	7	acquisitions	acquisition	NOUN
framr-1727	372	8	in	in	ADP
framr-1727	372	9	nigerian	nigerian	ADJ
framr-1727	372	10	banking	banking	NOUN
framr-1727	372	11	industry	industry	NOUN
framr-1727	372	12	.	.	PUNCT
framr-1727	373	1	developing	develop	VERB
framr-1727	373	2	country	country	NOUN
framr-1727	373	3	studies	study	NOUN
framr-1727	373	4	,	,	PUNCT
framr-1727	373	5	4(8	4(8	NUM
framr-1727	373	6	)	)	PUNCT
framr-1727	373	7	.	.	PUNCT
framr-1727	374	1	http://www.thisdaylive.com/	http://www.thisdaylive.com/	PROPN
framr-1727	375	1	http://www.efina.org.ng/	http://www.efina.org.ng/	PROPN
framr-1727	375	2	http://www.vanguardngr.com/	http://www.vanguardngr.com/	PROPN
framr-1727	375	3	http://www.albany.edu/honorscollege/files/antonioiacobelli.pdf	http://www.albany.edu/honorscollege/files/antonioiacobelli.pdf	PROPN
framr-1727	375	4	http://www.investopedia.com/university/merger	http://www.investopedia.com/university/merger	PROPN
framr-1727	375	5	http://www.thisdaylive.com/	http://www.thisdaylive.com/	ADJ
framr-1727	375	6	financial	financial	ADJ
framr-1727	375	7	risk	risk	NOUN
framr-1727	375	8	and	and	CCONJ
framr-1727	375	9	management	management	NOUN
framr-1727	375	10	reviews	review	NOUN
framr-1727	375	11	,	,	PUNCT
framr-1727	375	12	2018	2018	NUM
framr-1727	375	13	,	,	PUNCT
framr-1727	375	14	4(1	4(1	NOUN
framr-1727	375	15	):	):	PUNCT
framr-1727	375	16	34	34	NUM
framr-1727	375	17	-	-	SYM
framr-1727	375	18	48	48	NUM
framr-1727	375	19	48	48	NUM
framr-1727	375	20	©	©	PROPN
framr-1727	375	21	2018	2018	NUM
framr-1727	375	22	conscientia	conscientia	PROPN
framr-1727	375	23	beam	beam	PROPN
framr-1727	375	24	.	.	PUNCT
framr-1727	376	1	all	all	DET
framr-1727	376	2	rights	right	NOUN
framr-1727	376	3	reserved	reserve	VERB
framr-1727	376	4	.	.	PUNCT
framr-1727	377	1	osuala	osuala	ADJ
framr-1727	377	2	,	,	PUNCT
framr-1727	377	3	a.e	a.e	PROPN
framr-1727	377	4	.	.	PROPN
framr-1727	377	5	,	,	PUNCT
framr-1727	377	6	2010	2010	NUM
framr-1727	377	7	.	.	PUNCT
framr-1727	378	1	econometrics	econometric	NOUN
framr-1727	378	2	:	:	PUNCT
framr-1727	378	3	theory	theory	NOUN
framr-1727	378	4	&	&	CCONJ
framr-1727	378	5	problems	problem	NOUN
framr-1727	378	6	.	.	PUNCT
framr-1727	379	1	umuahia	umuahia	PROPN
framr-1727	379	2	,	,	PUNCT
framr-1727	379	3	nigeria	nigeria	PRON
framr-1727	379	4	:	:	PUNCT
framr-1727	379	5	toni	toni	PROPN
framr-1727	379	6	prints	print	NOUN
framr-1727	379	7	services	services	PROPN
framr-1727	379	8	.	.	PUNCT
framr-1727	380	1	owolabi	owolabi	NOUN
framr-1727	380	2	,	,	PUNCT
framr-1727	380	3	a.	a.	NOUN
framr-1727	380	4	and	and	CCONJ
framr-1727	380	5	n.o	n.o	PROPN
framr-1727	380	6	.	.	PROPN
framr-1727	380	7	ajayi	ajayi	PROPN
framr-1727	380	8	,	,	PUNCT
framr-1727	380	9	2013	2013	NUM
framr-1727	380	10	.	.	PUNCT
framr-1727	381	1	financial	financial	ADJ
framr-1727	381	2	efficiency	efficiency	NOUN
framr-1727	381	3	in	in	ADP
framr-1727	381	4	pre	pre	ADJ
framr-1727	381	5	and	and	CCONJ
framr-1727	381	6	post	post	VERB
framr-1727	381	7	merger	merger	NOUN
framr-1727	381	8	and	and	CCONJ
framr-1727	381	9	acquisition	acquisition	NOUN
framr-1727	381	10	of	of	ADP
framr-1727	381	11	banks	bank	NOUN
framr-1727	381	12	in	in	ADP
framr-1727	381	13	nigeria	nigeria	PROPN
framr-1727	381	14	.	.	PUNCT
framr-1727	382	1	journal	journal	PROPN
framr-1727	382	2	of	of	ADP
framr-1727	382	3	global	global	ADJ
framr-1727	382	4	business	business	NOUN
framr-1727	382	5	and	and	CCONJ
framr-1727	382	6	economic	economic	ADJ
framr-1727	382	7	research	research	NOUN
framr-1727	382	8	,	,	PUNCT
framr-1727	382	9	2(7	2(7	NUM
framr-1727	382	10	):	):	PUNCT
framr-1727	382	11	12	12	NUM
framr-1727	382	12	-	-	SYM
framr-1727	382	13	27	27	NUM
framr-1727	382	14	.	.	PUNCT
framr-1727	383	1	panapress	panapress	NOUN
framr-1727	383	2	,	,	PUNCT
framr-1727	383	3	2004	2004	NUM
framr-1727	383	4	.	.	PUNCT
framr-1727	384	1	nigeria	nigeria	PROPN
framr-1727	384	2	raises	raise	VERB
framr-1727	384	3	banks	bank	NOUN
framr-1727	384	4	'	'	PART
framr-1727	384	5	capital	capital	NOUN
framr-1727	384	6	base	base	NOUN
framr-1727	384	7	to	to	ADP
framr-1727	384	8	25	25	NUM
framr-1727	384	9	billion	billion	NUM
framr-1727	384	10	naira	naira	NOUN
framr-1727	384	11	.	.	PUNCT
framr-1727	385	1	available	available	ADJ
framr-1727	385	2	from	from	ADP
framr-1727	385	3	http://www.panapress.com/nigeria-raisesbanks--capital-base-to-25-billion-naira--13-551092-17-lang1-index.html	http://www.panapress.com/nigeria-raisesbanks--capital-base-to-25-billion-naira--13-551092-17-lang1-index.html	PROPN
framr-1727	385	4	.	.	PUNCT
framr-1727	386	1	pandey	pandey	PROPN
framr-1727	386	2	,	,	PUNCT
framr-1727	386	3	i.m	i.m	PROPN
framr-1727	386	4	.	.	PROPN
framr-1727	386	5	,	,	PUNCT
framr-1727	386	6	1998	1998	NUM
framr-1727	386	7	.	.	PUNCT
framr-1727	387	1	financial	financial	ADJ
framr-1727	387	2	management	management	NOUN
framr-1727	387	3	.	.	PUNCT
framr-1727	388	1	7th	7th	ADJ
framr-1727	388	2	edn	edn	PROPN
framr-1727	388	3	.	.	PUNCT
framr-1727	389	1	,	,	PUNCT
framr-1727	389	2	new	new	PROPN
framr-1727	389	3	delhi	delhi	PROPN
framr-1727	389	4	,	,	PUNCT
framr-1727	389	5	india	india	PROPN
framr-1727	389	6	:	:	PUNCT
framr-1727	389	7	vikas	vikas	PROPN
framr-1727	389	8	publishing	publishing	PROPN
framr-1727	389	9	house	house	PROPN
framr-1727	389	10	pvt	pvt	PROPN
framr-1727	389	11	ltd	ltd	PROPN
framr-1727	389	12	.	.	PROPN
framr-1727	389	13	roumelioti	roumelioti	PROPN
framr-1727	389	14	,	,	PUNCT
framr-1727	389	15	g.	g.	PROPN
framr-1727	389	16	and	and	CCONJ
framr-1727	389	17	m.	m.	PROPN
framr-1727	389	18	lewis	lewis	PROPN
framr-1727	389	19	,	,	PUNCT
framr-1727	389	20	2016	2016	NUM
framr-1727	389	21	.	.	PUNCT
framr-1727	390	1	deals	deal	NOUN
framr-1727	390	2	-	-	PUNCT
framr-1727	390	3	corporate	corporate	ADJ
framr-1727	390	4	makeovers	makeover	NOUN
framr-1727	390	5	drive	drive	VERB
framr-1727	390	6	corporate	corporate	ADJ
framr-1727	390	7	takeovers	takeover	NOUN
framr-1727	390	8	in	in	ADP
framr-1727	390	9	2016	2016	NUM
framr-1727	390	10	m&a	m&a	PROPN
framr-1727	390	11	bonanza	bonanza	NOUN
framr-1727	390	12	.	.	PUNCT
framr-1727	391	1	available	available	ADJ
framr-1727	391	2	from	from	ADP
framr-1727	391	3	https://www.reuters.com/...deals/deals-corporate-makeovers-drive-corporate-takeovers-i	https://www.reuters.com/...deals/deals-corporate-makeovers-drive-corporate-takeovers-i	PROPN
framr-1727	391	4	.	.	PROPN
framr-1727	391	5	shier	shier	PROPN
framr-1727	391	6	,	,	PUNCT
framr-1727	391	7	r.	r.	PROPN
framr-1727	391	8	,	,	PUNCT
framr-1727	391	9	2004	2004	NUM
framr-1727	391	10	.	.	PUNCT
framr-1727	392	1	paired	pair	VERB
framr-1727	392	2	t	t	NOUN
framr-1727	392	3	-	-	PUNCT
framr-1727	392	4	test	test	NOUN
framr-1727	392	5	.	.	PUNCT
framr-1727	393	1	available	available	ADJ
framr-1727	393	2	from	from	ADP
framr-1727	393	3	http://www.statstutor.ac.uk	http://www.statstutor.ac.uk	PROPN
framr-1727	393	4	.	.	PUNCT
framr-1727	394	1	soludo	soludo	PROPN
framr-1727	394	2	,	,	PUNCT
framr-1727	394	3	c.c	c.c	PROPN
framr-1727	394	4	.	.	PROPN
framr-1727	394	5	,	,	PUNCT
framr-1727	394	6	2004	2004	NUM
framr-1727	394	7	.	.	PUNCT
framr-1727	395	1	consolidating	consolidate	VERB
framr-1727	395	2	the	the	DET
framr-1727	395	3	nigerian	nigerian	ADJ
framr-1727	395	4	banking	banking	NOUN
framr-1727	395	5	industry	industry	NOUN
framr-1727	395	6	to	to	PART
framr-1727	395	7	meet	meet	VERB
framr-1727	395	8	the	the	DET
framr-1727	395	9	development	development	NOUN
framr-1727	395	10	challenges	challenge	NOUN
framr-1727	395	11	of	of	ADP
framr-1727	395	12	the	the	DET
framr-1727	395	13	21st	21st	ADJ
framr-1727	395	14	century	century	NOUN
framr-1727	395	15	.	.	PUNCT
framr-1727	396	1	being	be	AUX
framr-1727	396	2	an	an	DET
framr-1727	396	3	address	address	NOUN
framr-1727	396	4	delivered	deliver	VERB
framr-1727	396	5	by	by	ADP
framr-1727	396	6	the	the	DET
framr-1727	396	7	cbn	cbn	PROPN
framr-1727	396	8	governor	governor	NOUN
framr-1727	396	9	at	at	ADP
framr-1727	396	10	the	the	DET
framr-1727	396	11	special	special	ADJ
framr-1727	396	12	meeting	meeting	NOUN
framr-1727	396	13	of	of	ADP
framr-1727	396	14	the	the	DET
framr-1727	396	15	bankers	banker	NOUN
framr-1727	396	16	’	'	PUNCT
framr-1727	396	17	committee	committee	NOUN
framr-1727	396	18	,	,	PUNCT
framr-1727	396	19	held	hold	VERB
framr-1727	396	20	on	on	ADP
framr-1727	396	21	july	july	PROPN
framr-1727	396	22	6	6	NUM
framr-1727	396	23	,	,	PUNCT
framr-1727	396	24	at	at	ADP
framr-1727	396	25	the	the	DET
framr-1727	396	26	central	central	ADJ
framr-1727	396	27	bank	bank	PROPN
framr-1727	396	28	of	of	ADP
framr-1727	396	29	nigeria	nigeria	PROPN
framr-1727	396	30	headquarters	headquarters	PROPN
framr-1727	396	31	abuja	abuja	PROPN
framr-1727	396	32	.	.	PUNCT
framr-1727	397	1	soludo	soludo	PROPN
framr-1727	397	2	,	,	PUNCT
framr-1727	397	3	c.c	c.c	PROPN
framr-1727	397	4	.	.	PROPN
framr-1727	397	5	,	,	PUNCT
framr-1727	397	6	2006	2006	NUM
framr-1727	397	7	.	.	PUNCT
framr-1727	398	1	the	the	DET
framr-1727	398	2	outcome	outcome	NOUN
framr-1727	398	3	of	of	ADP
framr-1727	398	4	the	the	DET
framr-1727	398	5	banking	banking	NOUN
framr-1727	398	6	sector	sector	NOUN
framr-1727	398	7	recapitalization	recapitalization	NOUN
framr-1727	398	8	and	and	CCONJ
framr-1727	398	9	the	the	DET
framr-1727	398	10	way	way	NOUN
framr-1727	398	11	forward	forward	ADV
framr-1727	398	12	for	for	ADP
framr-1727	398	13	the	the	DET
framr-1727	398	14	undercapitalized	undercapitalized	ADJ
framr-1727	398	15	banks	bank	NOUN
framr-1727	398	16	.	.	PUNCT
framr-1727	399	1	being	be	AUX
framr-1727	399	2	press	press	NOUN
framr-1727	399	3	conference	conference	NOUN
framr-1727	399	4	by	by	ADP
framr-1727	399	5	governor	governor	NOUN
framr-1727	399	6	of	of	ADP
framr-1727	399	7	central	central	PROPN
framr-1727	399	8	bank	bank	PROPN
framr-1727	399	9	of	of	ADP
framr-1727	399	10	nigeria	nigeria	PROPN
framr-1727	399	11	,	,	PUNCT
framr-1727	399	12	at	at	ADP
framr-1727	399	13	the	the	DET
framr-1727	399	14	cbn	cbn	PROPN
framr-1727	399	15	headquarters	headquarters	NOUN
framr-1727	399	16	abuja	abuja	PROPN
framr-1727	399	17	on	on	ADP
framr-1727	399	18	january	january	PROPN
framr-1727	399	19	16	16	NUM
framr-1727	399	20	to	to	PART
framr-1727	399	21	convey	convey	VERB
framr-1727	399	22	the	the	DET
framr-1727	399	23	outcome	outcome	NOUN
framr-1727	399	24	of	of	ADP
framr-1727	399	25	the	the	DET
framr-1727	399	26	banking	banking	NOUN
framr-1727	399	27	recapitalization	recapitalization	NOUN
framr-1727	399	28	.	.	PUNCT
framr-1727	400	1	ugwuanyi	ugwuanyi	PROPN
framr-1727	400	2	,	,	PUNCT
framr-1727	400	3	g.o	g.o	PROPN
framr-1727	400	4	.	.	PROPN
framr-1727	400	5	,	,	PUNCT
framr-1727	400	6	2014	2014	NUM
framr-1727	400	7	.	.	PUNCT
framr-1727	401	1	banking	banking	NOUN
framr-1727	401	2	distress	distress	NOUN
framr-1727	401	3	and	and	CCONJ
framr-1727	401	4	the	the	DET
framr-1727	401	5	erosion	erosion	NOUN
framr-1727	401	6	of	of	ADP
framr-1727	401	7	public	public	ADJ
framr-1727	401	8	confidence	confidence	NOUN
framr-1727	401	9	in	in	ADP
framr-1727	401	10	the	the	DET
framr-1727	401	11	nigerian	nigerian	ADJ
framr-1727	401	12	banking	banking	NOUN
framr-1727	401	13	system	system	NOUN
framr-1727	401	14	.	.	PUNCT
framr-1727	402	1	european	european	PROPN
framr-1727	402	2	journal	journal	PROPN
framr-1727	402	3	of	of	ADP
framr-1727	402	4	business	business	NOUN
framr-1727	402	5	and	and	CCONJ
framr-1727	402	6	management	management	NOUN
framr-1727	402	7	,	,	PUNCT
framr-1727	402	8	6(9	6(9	NUM
framr-1727	402	9	):	):	PUNCT
framr-1727	402	10	118	118	NUM
framr-1727	402	11	-	-	SYM
framr-1727	402	12	126	126	NUM
framr-1727	402	13	.	.	PUNCT
framr-1727	403	1	umoren	umoren	PROPN
framr-1727	403	2	,	,	PUNCT
framr-1727	403	3	a.	a.	NOUN
framr-1727	403	4	,	,	PUNCT
framr-1727	403	5	d.t	d.t	PROPN
framr-1727	403	6	.	.	PROPN
framr-1727	403	7	adetula	adetula	PROPN
framr-1727	403	8	and	and	CCONJ
framr-1727	403	9	f.	f.	PROPN
framr-1727	403	10	olokoyo	olokoyo	PROPN
framr-1727	403	11	,	,	PUNCT
framr-1727	403	12	2007	2007	NUM
framr-1727	403	13	.	.	PUNCT
framr-1727	404	1	mergers	merger	NOUN
framr-1727	404	2	and	and	CCONJ
framr-1727	404	3	acquisition	acquisition	NOUN
framr-1727	404	4	in	in	ADP
framr-1727	404	5	nigeria	nigeria	PROPN
framr-1727	404	6	:	:	PUNCT
framr-1727	404	7	analysis	analysis	NOUN
framr-1727	404	8	of	of	ADP
framr-1727	404	9	performance	performance	NOUN
framr-1727	404	10	pre	pre	ADJ
framr-1727	404	11	and	and	CCONJ
framr-1727	404	12	post	post	VERB
framr-1727	404	13	consolidation	consolidation	NOUN
framr-1727	404	14	.	.	PUNCT
framr-1727	405	1	lagos	lago	NOUN
framr-1727	405	2	journal	journal	NOUN
framr-1727	405	3	of	of	ADP
framr-1727	405	4	banking	banking	NOUN
framr-1727	405	5	,	,	PUNCT
framr-1727	405	6	finance	finance	NOUN
framr-1727	405	7	&	&	CCONJ
framr-1727	405	8	economic	economic	ADJ
framr-1727	405	9	issues	issue	NOUN
framr-1727	405	10	,	,	PUNCT
framr-1727	405	11	1(1	1(1	NUM
framr-1727	405	12	):	):	PUNCT
framr-1727	405	13	151	151	NUM
framr-1727	405	14	-	-	SYM
framr-1727	405	15	166	166	NUM
framr-1727	405	16	.	.	PUNCT
framr-1727	406	1	uremadu	uremadu	ADJ
framr-1727	406	2	,	,	PUNCT
framr-1727	406	3	s.o	s.o	PROPN
framr-1727	406	4	.	.	PROPN
framr-1727	406	5	,	,	PUNCT
framr-1727	406	6	2004	2004	NUM
framr-1727	406	7	.	.	PUNCT
framr-1727	407	1	financial	financial	ADJ
framr-1727	407	2	management	management	NOUN
framr-1727	407	3	(	(	PUNCT
framr-1727	407	4	concepts	concept	NOUN
framr-1727	407	5	,	,	PUNCT
framr-1727	407	6	analysis	analysis	NOUN
framr-1727	407	7	and	and	CCONJ
framr-1727	407	8	applications	application	NOUN
framr-1727	407	9	)	)	PUNCT
framr-1727	407	10	.	.	PUNCT
framr-1727	408	1	enugu	enugu	PROPN
framr-1727	408	2	nigeria	nigeria	PROPN
framr-1727	408	3	:	:	PUNCT
framr-1727	408	4	precision	precision	NOUN
framr-1727	408	5	publishers	publisher	NOUN
framr-1727	408	6	limited	limit	VERB
framr-1727	408	7	.	.	PUNCT
framr-1727	409	1	yeboah	yeboah	PROPN
framr-1727	409	2	,	,	PUNCT
framr-1727	409	3	j.	j.	PROPN
framr-1727	409	4	,	,	PUNCT
framr-1727	409	5	e.k	e.k	PROPN
framr-1727	409	6	.	.	PROPN
framr-1727	409	7	asirifi	asirifi	PROPN
framr-1727	409	8	and	and	CCONJ
framr-1727	409	9	s.	s.	PROPN
framr-1727	409	10	ampadu	ampadu	PROPN
framr-1727	409	11	,	,	PUNCT
framr-1727	409	12	2015	2015	NUM
framr-1727	409	13	.	.	PUNCT
framr-1727	410	1	the	the	DET
framr-1727	410	2	impact	impact	NOUN
framr-1727	410	3	of	of	ADP
framr-1727	410	4	mergers	merger	NOUN
framr-1727	410	5	and	and	CCONJ
framr-1727	410	6	acquisitions	acquisition	NOUN
framr-1727	410	7	on	on	ADP
framr-1727	410	8	service	service	NOUN
framr-1727	410	9	quality	quality	NOUN
framr-1727	410	10	of	of	ADP
framr-1727	410	11	banks	bank	NOUN
framr-1727	410	12	in	in	ADP
framr-1727	410	13	ghana	ghana	PROPN
framr-1727	410	14	:	:	PUNCT
framr-1727	410	15	case	case	NOUN
framr-1727	410	16	study	study	NOUN
framr-1727	410	17	of	of	ADP
framr-1727	410	18	ecobank	ecobank	NOUN
framr-1727	410	19	and	and	CCONJ
framr-1727	410	20	access	access	PROPN
framr-1727	410	21	bank	bank	PROPN
framr-1727	410	22	ghana	ghana	PROPN
framr-1727	410	23	.	.	PUNCT
framr-1727	411	1	international	international	ADJ
framr-1727	411	2	journal	journal	PROPN
framr-1727	411	3	of	of	ADP
framr-1727	411	4	business	business	NOUN
framr-1727	411	5	and	and	CCONJ
framr-1727	411	6	management	management	NOUN
framr-1727	411	7	,	,	PUNCT
framr-1727	411	8	10(12	10(12	NUM
framr-1727	411	9	):	):	PUNCT
framr-1727	411	10	167	167	NUM
framr-1727	411	11	.	.	PUNCT
framr-1727	411	12	available	available	ADJ
framr-1727	411	13	at	at	ADP
framr-1727	411	14	:	:	PUNCT
framr-1727	411	15	https://doi.org/10.5539/ijbm.v10n12p167	https://doi.org/10.5539/ijbm.v10n12p167	PROPN
framr-1727	411	16	.	.	PUNCT
framr-1727	411	17	views	view	NOUN
framr-1727	411	18	and	and	CCONJ
framr-1727	411	19	opinions	opinion	NOUN
framr-1727	411	20	expressed	express	VERB
framr-1727	411	21	in	in	ADP
framr-1727	411	22	this	this	DET
framr-1727	411	23	article	article	NOUN
framr-1727	411	24	are	be	AUX
framr-1727	411	25	the	the	DET
framr-1727	411	26	views	view	NOUN
framr-1727	411	27	and	and	CCONJ
framr-1727	411	28	opinions	opinion	NOUN
framr-1727	411	29	of	of	ADP
framr-1727	411	30	the	the	DET
framr-1727	411	31	author(s	author(s	NOUN
framr-1727	411	32	)	)	PUNCT
framr-1727	411	33	,	,	PUNCT
framr-1727	411	34	financial	financial	ADJ
framr-1727	411	35	risk	risk	NOUN
framr-1727	411	36	and	and	CCONJ
framr-1727	411	37	management	management	NOUN
framr-1727	411	38	reviews	review	NOUN
framr-1727	411	39	shall	shall	AUX
framr-1727	411	40	not	not	PART
framr-1727	411	41	be	be	AUX
framr-1727	411	42	responsible	responsible	ADJ
framr-1727	411	43	or	or	CCONJ
framr-1727	411	44	answerable	answerable	ADJ
framr-1727	411	45	for	for	ADP
framr-1727	411	46	any	any	DET
framr-1727	411	47	loss	loss	NOUN
framr-1727	411	48	,	,	PUNCT
framr-1727	411	49	damage	damage	NOUN
framr-1727	411	50	or	or	CCONJ
framr-1727	411	51	liability	liability	NOUN
framr-1727	411	52	etc	etc	X
framr-1727	411	53	.	.	X
framr-1727	412	1	caused	cause	VERB
framr-1727	412	2	in	in	ADP
framr-1727	412	3	relation	relation	NOUN
framr-1727	412	4	to	to	PART
framr-1727	412	5	/	/	PUNCT
framr-1727	412	6	arising	arise	VERB
framr-1727	412	7	out	out	ADP
framr-1727	412	8	of	of	ADP
framr-1727	412	9	the	the	DET
framr-1727	412	10	use	use	NOUN
framr-1727	412	11	of	of	ADP
framr-1727	412	12	the	the	DET
framr-1727	412	13	content	content	NOUN
framr-1727	412	14	.	.	PUNCT
framr-1727	413	1	http://www.panapress.com/nigeria-raises-banks--capital-base-to-25-billion-naira--13-551092-17-lang1-index.html	http://www.panapress.com/nigeria-raises-banks--capital-base-to-25-billion-naira--13-551092-17-lang1-index.html	PROPN
framr-1727	413	2	http://www.panapress.com/nigeria-raises-banks--capital-base-to-25-billion-naira--13-551092-17-lang1-index.html	http://www.panapress.com/nigeria-raises-banks--capital-base-to-25-billion-naira--13-551092-17-lang1-index.html	PROPN
framr-1727	414	1	http://www.reuters.com/...deals/deals-corporate-makeovers-drive-corporate-takeovers-i	http://www.reuters.com/...deals/deals-corporate-makeovers-drive-corporate-takeovers-i	PROPN
framr-1727	414	2	http://www.statstutor.ac.uk/	http://www.statstutor.ac.uk/	ADJ