id	sid	tid	token	lemma	pos
framr-1733	1	1	55	55	NUM
framr-1733	1	2	©	©	PROPN
framr-1733	1	3	2019	2019	NUM
framr-1733	1	4	conscientia	conscientia	PROPN
framr-1733	1	5	beam	beam	PROPN
framr-1733	1	6	.	.	PUNCT
framr-1733	2	1	all	all	DET
framr-1733	2	2	rights	right	NOUN
framr-1733	2	3	reserved	reserve	VERB
framr-1733	2	4	.	.	PUNCT
framr-1733	3	1	analyzing	analyze	VERB
framr-1733	3	2	the	the	DET
framr-1733	3	3	financial	financial	ADJ
framr-1733	3	4	soundness	soundness	NOUN
framr-1733	3	5	of	of	ADP
framr-1733	3	6	kuwaiti	kuwaiti	PROPN
framr-1733	3	7	banks	bank	NOUN
framr-1733	3	8	using	use	VERB
framr-1733	3	9	camels	camel	NOUN
framr-1733	3	10	framework	framework	NOUN
framr-1733	3	11	musaed	musae	VERB
framr-1733	3	12	s.	s.	PROPN
framr-1733	3	13	alali1	alali1	PROPN
framr-1733	4	1	+	+	PROPN
framr-1733	4	2	sundus	sundus	PROPN
framr-1733	4	3	al	al	PROPN
framr-1733	4	4	-	-	PUNCT
framr-1733	4	5	yatama2	yatama2	PROPN
framr-1733	4	6	1,2assistant	1,2assistant	PROPN
framr-1733	4	7	professor	professor	NOUN
framr-1733	4	8	,	,	PUNCT
framr-1733	4	9	college	college	NOUN
framr-1733	4	10	of	of	ADP
framr-1733	4	11	business	business	NOUN
framr-1733	4	12	studies	study	NOUN
framr-1733	4	13	,	,	PUNCT
framr-1733	4	14	department	department	NOUN
framr-1733	4	15	of	of	ADP
framr-1733	4	16	insurance	insurance	NOUN
framr-1733	4	17	and	and	CCONJ
framr-1733	4	18	banking	banking	NOUN
framr-1733	4	19	,	,	PUNCT
framr-1733	4	20	the	the	DET
framr-1733	4	21	public	public	ADJ
framr-1733	4	22	authority	authority	NOUN
framr-1733	4	23	for	for	ADP
framr-1733	4	24	applied	apply	VERB
framr-1733	4	25	education	education	NOUN
framr-1733	4	26	and	and	CCONJ
framr-1733	4	27	training	training	NOUN
framr-1733	4	28	(	(	PUNCT
framr-1733	4	29	paaet	paaet	NOUN
framr-1733	4	30	)	)	PUNCT
framr-1733	4	31	,	,	PUNCT
framr-1733	4	32	kuwait	kuwait	PROPN
framr-1733	4	33	.	.	PUNCT
framr-1733	5	1	(	(	PUNCT
framr-1733	5	2	+	+	CCONJ
framr-1733	5	3	corresponding	correspond	VERB
framr-1733	5	4	author	author	NOUN
framr-1733	5	5	)	)	PUNCT
framr-1733	5	6	abstract	abstract	ADJ
framr-1733	5	7	article	article	NOUN
framr-1733	5	8	history	history	NOUN
framr-1733	5	9	received	receive	VERB
framr-1733	5	10	:	:	PUNCT
framr-1733	5	11	6	6	NUM
framr-1733	5	12	august	august	PROPN
framr-1733	5	13	2019	2019	NUM
framr-1733	5	14	revised	revise	VERB
framr-1733	5	15	:	:	PUNCT
framr-1733	5	16	11	11	NUM
framr-1733	5	17	september	september	PROPN
framr-1733	5	18	2019	2019	NUM
framr-1733	5	19	accepted	accept	VERB
framr-1733	5	20	:	:	PUNCT
framr-1733	5	21	15	15	NUM
framr-1733	5	22	october	october	NOUN
framr-1733	5	23	2019	2019	NUM
framr-1733	5	24	published	publish	VERB
framr-1733	5	25	:	:	PUNCT
framr-1733	5	26	13	13	NUM
framr-1733	5	27	november	november	PROPN
framr-1733	5	28	2019	2019	NUM
framr-1733	5	29	keywords	keyword	VERB
framr-1733	5	30	camels	camel	NOUN
framr-1733	5	31	framework	framework	VERB
framr-1733	5	32	kuwait	kuwait	PROPN
framr-1733	5	33	stock	stock	PROPN
framr-1733	5	34	exchange	exchange	PROPN
framr-1733	5	35	(	(	PUNCT
framr-1733	5	36	kse	kse	PROPN
framr-1733	5	37	)	)	PUNCT
framr-1733	5	38	financial	financial	ADJ
framr-1733	5	39	soundness	soundness	NOUN
framr-1733	5	40	market	market	NOUN
framr-1733	5	41	risk	risk	NOUN
framr-1733	5	42	sensitivity	sensitivity	NOUN
framr-1733	5	43	capital	capital	NOUN
framr-1733	5	44	adequacy	adequacy	NOUN
framr-1733	5	45	kuwaiti	kuwaiti	PROPN
framr-1733	5	46	banks	banks	PROPN
framr-1733	5	47	.	.	PUNCT
framr-1733	6	1	jel	jel	PROPN
framr-1733	6	2	classification	classification	PROPN
framr-1733	6	3	:	:	PUNCT
framr-1733	6	4	g21	g21	PROPN
framr-1733	6	5	;	;	PUNCT
framr-1733	6	6	g32	g32	NOUN
framr-1733	6	7	;	;	PUNCT
framr-1733	6	8	g33	g33	PROPN
framr-1733	6	9	.	.	PUNCT
framr-1733	7	1	evaluating	evaluate	VERB
framr-1733	7	2	the	the	DET
framr-1733	7	3	financial	financial	ADJ
framr-1733	7	4	performance	performance	NOUN
framr-1733	7	5	of	of	ADP
framr-1733	7	6	banks	bank	NOUN
framr-1733	7	7	has	have	AUX
framr-1733	7	8	always	always	ADV
framr-1733	7	9	been	be	AUX
framr-1733	7	10	in	in	ADP
framr-1733	7	11	the	the	DET
framr-1733	7	12	center	center	NOUN
framr-1733	7	13	of	of	ADP
framr-1733	7	14	attention	attention	NOUN
framr-1733	7	15	among	among	ADP
framr-1733	7	16	both	both	DET
framr-1733	7	17	academics	academic	NOUN
framr-1733	7	18	and	and	CCONJ
framr-1733	7	19	practitioners	practitioner	NOUN
framr-1733	7	20	.	.	PUNCT
framr-1733	8	1	in	in	ADP
framr-1733	8	2	that	that	DET
framr-1733	8	3	matter	matter	NOUN
framr-1733	8	4	,	,	PUNCT
framr-1733	8	5	camels	camel	NOUN
framr-1733	8	6	framework	framework	NOUN
framr-1733	8	7	has	have	AUX
framr-1733	8	8	always	always	ADV
framr-1733	8	9	been	be	AUX
framr-1733	8	10	one	one	NUM
framr-1733	8	11	of	of	ADP
framr-1733	8	12	the	the	DET
framr-1733	8	13	most	most	ADV
framr-1733	8	14	widely	widely	ADV
framr-1733	8	15	used	use	VERB
framr-1733	8	16	model	model	NOUN
framr-1733	8	17	in	in	ADP
framr-1733	8	18	evaluating	evaluate	VERB
framr-1733	8	19	the	the	DET
framr-1733	8	20	financial	financial	ADJ
framr-1733	8	21	soundness	soundness	NOUN
framr-1733	8	22	of	of	ADP
framr-1733	8	23	banks	bank	NOUN
framr-1733	8	24	and	and	CCONJ
framr-1733	8	25	exploring	explore	VERB
framr-1733	8	26	the	the	DET
framr-1733	8	27	weakness	weakness	NOUN
framr-1733	8	28	areas	area	NOUN
framr-1733	8	29	a	a	DET
framr-1733	8	30	bank	bank	NOUN
framr-1733	8	31	has	have	VERB
framr-1733	8	32	.	.	PUNCT
framr-1733	9	1	the	the	DET
framr-1733	9	2	model	model	NOUN
framr-1733	9	3	is	be	AUX
framr-1733	9	4	used	use	VERB
framr-1733	9	5	to	to	PART
framr-1733	9	6	distinguish	distinguish	VERB
framr-1733	9	7	good	good	ADJ
framr-1733	9	8	banks	bank	NOUN
framr-1733	9	9	from	from	ADP
framr-1733	9	10	bad	bad	ADJ
framr-1733	9	11	ones	one	NOUN
framr-1733	9	12	.	.	PUNCT
framr-1733	10	1	this	this	DET
framr-1733	10	2	study	study	NOUN
framr-1733	10	3	aims	aim	VERB
framr-1733	10	4	to	to	PART
framr-1733	10	5	evaluate	evaluate	VERB
framr-1733	10	6	the	the	DET
framr-1733	10	7	financial	financial	ADJ
framr-1733	10	8	soundness	soundness	NOUN
framr-1733	10	9	of	of	ADP
framr-1733	10	10	kuwaiti	kuwaiti	PROPN
framr-1733	10	11	banks	bank	NOUN
framr-1733	10	12	that	that	PRON
framr-1733	10	13	are	be	AUX
framr-1733	10	14	listed	list	VERB
framr-1733	10	15	at	at	ADP
framr-1733	10	16	kuwait	kuwait	PROPN
framr-1733	10	17	stock	stock	PROPN
framr-1733	10	18	exchange	exchange	PROPN
framr-1733	10	19	over	over	ADP
framr-1733	10	20	the	the	DET
framr-1733	10	21	period	period	NOUN
framr-1733	10	22	2011	2011	NUM
framr-1733	10	23	-	-	SYM
framr-1733	10	24	2016	2016	NUM
framr-1733	10	25	using	use	VERB
framr-1733	10	26	camels	camel	NOUN
framr-1733	10	27	framework	framework	NOUN
framr-1733	10	28	.	.	PUNCT
framr-1733	11	1	results	result	NOUN
framr-1733	11	2	obtained	obtain	VERB
framr-1733	11	3	from	from	ADP
framr-1733	11	4	this	this	DET
framr-1733	11	5	study	study	NOUN
framr-1733	11	6	showed	show	VERB
framr-1733	11	7	that	that	SCONJ
framr-1733	11	8	ahli	ahli	PROPN
framr-1733	11	9	united	united	PROPN
framr-1733	11	10	bank	bank	PROPN
framr-1733	11	11	was	be	AUX
framr-1733	11	12	the	the	DET
framr-1733	11	13	top	top	ADJ
framr-1733	11	14	performing	perform	VERB
framr-1733	11	15	bank	bank	NOUN
framr-1733	11	16	in	in	ADP
framr-1733	11	17	kuwait	kuwait	PROPN
framr-1733	11	18	during	during	ADP
framr-1733	11	19	the	the	DET
framr-1733	11	20	study	study	NOUN
framr-1733	11	21	period	period	NOUN
framr-1733	11	22	despite	despite	SCONJ
framr-1733	11	23	showing	show	VERB
framr-1733	11	24	weakness	weakness	NOUN
framr-1733	11	25	in	in	ADP
framr-1733	11	26	terms	term	NOUN
framr-1733	11	27	of	of	ADP
framr-1733	11	28	capital	capital	NOUN
framr-1733	11	29	adequacy	adequacy	NOUN
framr-1733	11	30	and	and	CCONJ
framr-1733	11	31	liquidity	liquidity	NOUN
framr-1733	11	32	while	while	SCONJ
framr-1733	11	33	the	the	DET
framr-1733	11	34	worst	worst	ADV
framr-1733	11	35	performing	perform	VERB
framr-1733	11	36	bank	bank	NOUN
framr-1733	11	37	was	be	AUX
framr-1733	11	38	kuwait	kuwait	PROPN
framr-1733	11	39	finance	finance	PROPN
framr-1733	11	40	house	house	PROPN
framr-1733	11	41	.	.	PUNCT
framr-1733	12	1	kuwait	kuwait	PROPN
framr-1733	12	2	finance	finance	PROPN
framr-1733	12	3	house	house	PROPN
framr-1733	12	4	showed	show	VERB
framr-1733	12	5	very	very	ADV
framr-1733	12	6	poor	poor	ADJ
framr-1733	12	7	performance	performance	NOUN
framr-1733	12	8	in	in	ADP
framr-1733	12	9	capital	capital	NOUN
framr-1733	12	10	adequacy	adequacy	NOUN
framr-1733	12	11	and	and	CCONJ
framr-1733	12	12	management	management	NOUN
framr-1733	12	13	efficiency	efficiency	NOUN
framr-1733	12	14	.	.	PUNCT
framr-1733	13	1	the	the	DET
framr-1733	13	2	results	result	NOUN
framr-1733	13	3	from	from	ADP
framr-1733	13	4	this	this	DET
framr-1733	13	5	research	research	NOUN
framr-1733	13	6	would	would	AUX
framr-1733	13	7	be	be	AUX
framr-1733	13	8	useful	useful	ADJ
framr-1733	13	9	for	for	SCONJ
framr-1733	13	10	the	the	DET
framr-1733	13	11	kuwaiti	kuwaiti	PROPN
framr-1733	13	12	banks	bank	NOUN
framr-1733	13	13	to	to	PART
framr-1733	13	14	address	address	VERB
framr-1733	13	15	their	their	PRON
framr-1733	13	16	weak	weak	ADJ
framr-1733	13	17	areas	area	NOUN
framr-1733	13	18	and	and	CCONJ
framr-1733	13	19	try	try	VERB
framr-1733	13	20	to	to	PART
framr-1733	13	21	improve	improve	VERB
framr-1733	13	22	on	on	ADP
framr-1733	13	23	them	they	PRON
framr-1733	13	24	.	.	PUNCT
framr-1733	14	1	contribution	contribution	NOUN
framr-1733	14	2	/	/	SYM
framr-1733	14	3	originality	originality	NOUN
framr-1733	14	4	:	:	PUNCT
framr-1733	14	5	this	this	DET
framr-1733	14	6	study	study	NOUN
framr-1733	14	7	is	be	AUX
framr-1733	14	8	one	one	NUM
framr-1733	14	9	of	of	ADP
framr-1733	14	10	very	very	ADV
framr-1733	14	11	few	few	ADJ
framr-1733	14	12	studies	study	NOUN
framr-1733	14	13	which	which	PRON
framr-1733	14	14	have	have	AUX
framr-1733	14	15	investigated	investigate	VERB
framr-1733	14	16	the	the	DET
framr-1733	14	17	financial	financial	ADJ
framr-1733	14	18	soundness	soundness	NOUN
framr-1733	14	19	of	of	ADP
framr-1733	14	20	kuwaiti	kuwaiti	PROPN
framr-1733	14	21	banks	bank	NOUN
framr-1733	14	22	using	use	VERB
framr-1733	14	23	camels	camel	NOUN
framr-1733	14	24	framework	framework	NOUN
framr-1733	14	25	.	.	PUNCT
framr-1733	15	1	the	the	DET
framr-1733	15	2	results	result	NOUN
framr-1733	15	3	highlighted	highlight	VERB
framr-1733	15	4	the	the	DET
framr-1733	15	5	weak	weak	ADJ
framr-1733	15	6	areas	area	NOUN
framr-1733	15	7	in	in	ADP
framr-1733	15	8	every	every	DET
framr-1733	15	9	bank	bank	NOUN
framr-1733	15	10	listed	list	VERB
framr-1733	15	11	at	at	ADP
framr-1733	15	12	kuwait	kuwait	PROPN
framr-1733	15	13	stock	stock	PROPN
framr-1733	15	14	exchange	exchange	PROPN
framr-1733	15	15	which	which	PRON
framr-1733	15	16	must	must	AUX
framr-1733	15	17	be	be	AUX
framr-1733	15	18	addressed	address	VERB
framr-1733	15	19	by	by	ADP
framr-1733	15	20	the	the	DET
framr-1733	15	21	bank	bank	NOUN
framr-1733	15	22	to	to	PART
framr-1733	15	23	improve	improve	VERB
framr-1733	15	24	its	its	PRON
framr-1733	15	25	performance	performance	NOUN
framr-1733	15	26	.	.	PUNCT
framr-1733	16	1	1	1	X
framr-1733	16	2	.	.	X
framr-1733	16	3	introduction	introduction	NOUN
framr-1733	16	4	due	due	ADP
framr-1733	16	5	to	to	ADP
framr-1733	16	6	the	the	DET
framr-1733	16	7	importance	importance	NOUN
framr-1733	16	8	of	of	ADP
framr-1733	16	9	the	the	DET
framr-1733	16	10	banking	banking	NOUN
framr-1733	16	11	sector	sector	NOUN
framr-1733	16	12	in	in	ADP
framr-1733	16	13	every	every	DET
framr-1733	16	14	economy	economy	NOUN
framr-1733	16	15	,	,	PUNCT
framr-1733	16	16	maintaining	maintain	VERB
framr-1733	16	17	a	a	DET
framr-1733	16	18	healthy	healthy	ADJ
framr-1733	16	19	banking	banking	NOUN
framr-1733	16	20	sector	sector	NOUN
framr-1733	16	21	is	be	AUX
framr-1733	16	22	vital	vital	ADJ
framr-1733	16	23	to	to	ADP
framr-1733	16	24	the	the	DET
framr-1733	16	25	prosperity	prosperity	NOUN
framr-1733	16	26	of	of	ADP
framr-1733	16	27	any	any	DET
framr-1733	16	28	country	country	NOUN
framr-1733	16	29	.	.	PUNCT
framr-1733	17	1	while	while	SCONJ
framr-1733	17	2	there	there	PRON
framr-1733	17	3	is	be	VERB
framr-1733	17	4	an	an	DET
framr-1733	17	5	extensive	extensive	ADJ
framr-1733	17	6	literature	literature	NOUN
framr-1733	17	7	addressing	address	VERB
framr-1733	17	8	banking	banking	NOUN
framr-1733	17	9	performance	performance	NOUN
framr-1733	17	10	evaluation	evaluation	NOUN
framr-1733	17	11	camels	camel	NOUN
framr-1733	17	12	framework	framework	NOUN
framr-1733	17	13	emerges	emerge	VERB
framr-1733	17	14	as	as	ADP
framr-1733	17	15	one	one	NUM
framr-1733	17	16	of	of	ADP
framr-1733	17	17	the	the	DET
framr-1733	17	18	most	most	ADV
framr-1733	17	19	widely	widely	ADV
framr-1733	17	20	-	-	PUNCT
framr-1733	17	21	used	use	VERB
framr-1733	17	22	methodology	methodology	NOUN
framr-1733	17	23	for	for	ADP
framr-1733	17	24	bank	bank	NOUN
framr-1733	17	25	performance	performance	NOUN
framr-1733	17	26	assessment	assessment	NOUN
framr-1733	17	27	,	,	PUNCT
framr-1733	17	28	using	use	VERB
framr-1733	17	29	particular	particular	ADJ
framr-1733	17	30	financial	financial	ADJ
framr-1733	17	31	ratios	ratio	NOUN
framr-1733	17	32	to	to	PART
framr-1733	17	33	reflect	reflect	VERB
framr-1733	17	34	different	different	ADJ
framr-1733	17	35	aspects	aspect	NOUN
framr-1733	17	36	of	of	ADP
framr-1733	17	37	a	a	DET
framr-1733	17	38	bank	bank	NOUN
framr-1733	17	39	’s	’s	PART
framr-1733	17	40	performance	performance	NOUN
framr-1733	17	41	(	(	PUNCT
framr-1733	17	42	sahajwala	sahajwala	NOUN
framr-1733	17	43	and	and	CCONJ
framr-1733	17	44	van	van	PROPN
framr-1733	17	45	den	den	PROPN
framr-1733	17	46	bergh	bergh	PROPN
framr-1733	17	47	,	,	PUNCT
framr-1733	17	48	2000	2000	NUM
framr-1733	17	49	)	)	PUNCT
framr-1733	17	50	.	.	PUNCT
framr-1733	18	1	in	in	ADP
framr-1733	18	2	recent	recent	ADJ
framr-1733	18	3	years	year	NOUN
framr-1733	18	4	camels	camel	NOUN
framr-1733	18	5	model	model	NOUN
framr-1733	18	6	was	be	AUX
framr-1733	18	7	one	one	NUM
framr-1733	18	8	of	of	ADP
framr-1733	18	9	the	the	DET
framr-1733	18	10	most	most	ADV
framr-1733	18	11	used	use	VERB
framr-1733	18	12	models	model	NOUN
framr-1733	18	13	for	for	ADP
framr-1733	18	14	the	the	DET
framr-1733	18	15	estimation	estimation	NOUN
framr-1733	18	16	of	of	ADP
framr-1733	18	17	a	a	DET
framr-1733	18	18	bank	bank	NOUN
framr-1733	18	19	performances	performance	NOUN
framr-1733	18	20	and	and	CCONJ
framr-1733	18	21	soundness	soundness	NOUN
framr-1733	18	22	(	(	PUNCT
framr-1733	18	23	baral	baral	ADJ
framr-1733	18	24	,	,	PUNCT
framr-1733	18	25	2005	2005	NUM
framr-1733	18	26	)	)	PUNCT
framr-1733	18	27	.	.	PUNCT
framr-1733	19	1	this	this	DET
framr-1733	19	2	model	model	NOUN
framr-1733	19	3	is	be	AUX
framr-1733	19	4	used	use	VERB
framr-1733	19	5	as	as	ADP
framr-1733	19	6	a	a	DET
framr-1733	19	7	bank	bank	NOUN
framr-1733	19	8	supervision	supervision	NOUN
framr-1733	19	9	instrument	instrument	NOUN
framr-1733	19	10	by	by	ADP
framr-1733	19	11	the	the	DET
framr-1733	19	12	regulatory	regulatory	ADJ
framr-1733	19	13	authorities	authority	NOUN
framr-1733	19	14	(	(	PUNCT
framr-1733	19	15	gilbert	gilbert	PROPN
framr-1733	19	16	et	et	PROPN
framr-1733	19	17	al	al	PROPN
framr-1733	19	18	.	.	PROPN
framr-1733	19	19	,	,	PUNCT
framr-1733	19	20	2000	2000	NUM
framr-1733	19	21	;	;	PUNCT
framr-1733	19	22	hays	hay	NOUN
framr-1733	19	23	et	et	PROPN
framr-1733	19	24	al	al	PROPN
framr-1733	19	25	.	.	PROPN
framr-1733	19	26	,	,	PUNCT
framr-1733	19	27	2009	2009	NUM
framr-1733	19	28	)	)	PUNCT
framr-1733	19	29	and	and	CCONJ
framr-1733	19	30	also	also	ADV
framr-1733	19	31	as	as	ADP
framr-1733	19	32	a	a	DET
framr-1733	19	33	main	main	ADJ
framr-1733	19	34	model	model	NOUN
framr-1733	19	35	for	for	ADP
framr-1733	19	36	the	the	DET
framr-1733	19	37	evaluation	evaluation	NOUN
framr-1733	19	38	of	of	ADP
framr-1733	19	39	the	the	DET
framr-1733	19	40	banks	bank	NOUN
framr-1733	19	41	performances	performance	NOUN
framr-1733	19	42	(	(	PUNCT
framr-1733	19	43	evans	evans	PROPN
framr-1733	19	44	et	et	PROPN
framr-1733	19	45	al	al	PROPN
framr-1733	19	46	.	.	PROPN
framr-1733	19	47	,	,	PUNCT
framr-1733	19	48	2000	2000	NUM
framr-1733	19	49	;	;	PUNCT
framr-1733	19	50	derviz	derviz	ADJ
framr-1733	19	51	and	and	CCONJ
framr-1733	19	52	podpiera	podpiera	NOUN
framr-1733	19	53	,	,	PUNCT
framr-1733	19	54	2008	2008	NUM
framr-1733	19	55	;	;	PUNCT
framr-1733	19	56	atikogullari	atikogullari	PROPN
framr-1733	19	57	,	,	PUNCT
framr-1733	19	58	2009	2009	NUM
framr-1733	19	59	;	;	PUNCT
framr-1733	19	60	mishra	mishra	PROPN
framr-1733	19	61	et	et	PROPN
framr-1733	19	62	al	al	PROPN
framr-1733	19	63	.	.	PROPN
framr-1733	19	64	,	,	PUNCT
framr-1733	19	65	2012	2012	NUM
framr-1733	19	66	)	)	PUNCT
framr-1733	19	67	.	.	PUNCT
framr-1733	20	1	camels	camel	NOUN
framr-1733	20	2	model	model	NOUN
framr-1733	20	3	was	be	AUX
framr-1733	20	4	developed	develop	VERB
framr-1733	20	5	in	in	ADP
framr-1733	20	6	1979	1979	NUM
framr-1733	20	7	in	in	ADP
framr-1733	20	8	the	the	DET
framr-1733	20	9	u.s	u.s	PROPN
framr-1733	20	10	.	.	PROPN
framr-1733	20	11	as	as	ADP
framr-1733	20	12	a	a	DET
framr-1733	20	13	supervisory	supervisory	ADJ
framr-1733	20	14	rating	rating	NOUN
framr-1733	20	15	system	system	NOUN
framr-1733	20	16	which	which	PRON
framr-1733	20	17	would	would	AUX
framr-1733	20	18	help	help	VERB
framr-1733	20	19	analyzing	analyze	VERB
framr-1733	20	20	the	the	DET
framr-1733	20	21	overall	overall	ADJ
framr-1733	20	22	condition	condition	NOUN
framr-1733	20	23	of	of	ADP
framr-1733	20	24	banks	bank	NOUN
framr-1733	20	25	.	.	PUNCT
framr-1733	21	1	the	the	DET
framr-1733	21	2	uniform	uniform	ADJ
framr-1733	21	3	financial	financial	ADJ
framr-1733	21	4	institutions	institution	NOUN
framr-1733	21	5	rating	rating	NOUN
framr-1733	21	6	system	system	NOUN
framr-1733	21	7	(	(	PUNCT
framr-1733	21	8	ufirs	ufir	NOUN
framr-1733	21	9	)	)	PUNCT
framr-1733	21	10	commonly	commonly	ADV
framr-1733	21	11	known	know	VERB
framr-1733	21	12	as	as	ADP
framr-1733	21	13	camels	camel	NOUN
framr-1733	21	14	rating	rating	NOUN
framr-1733	21	15	system	system	NOUN
framr-1733	21	16	was	be	AUX
framr-1733	21	17	adopted	adopt	VERB
framr-1733	21	18	by	by	ADP
framr-1733	21	19	the	the	DET
framr-1733	21	20	federal	federal	ADJ
framr-1733	21	21	financial	financial	ADJ
framr-1733	21	22	institutions	institution	NOUN
framr-1733	21	23	examination	examination	PROPN
framr-1733	21	24	council	council	PROPN
framr-1733	21	25	(	(	PUNCT
framr-1733	21	26	ffiec	ffiec	NOUN
framr-1733	21	27	)	)	PUNCT
framr-1733	21	28	on	on	ADP
framr-1733	21	29	november	november	PROPN
framr-1733	21	30	13	13	NUM
framr-1733	21	31	,	,	PUNCT
framr-1733	21	32	1979	1979	NUM
framr-1733	21	33	.	.	PUNCT
framr-1733	22	1	the	the	DET
framr-1733	22	2	acronym	acronym	NOUN
framr-1733	22	3	camel	camel	NOUN
framr-1733	22	4	derives	derive	VERB
framr-1733	22	5	from	from	ADP
framr-1733	22	6	the	the	DET
framr-1733	22	7	five	five	NUM
framr-1733	22	8	main	main	ADJ
framr-1733	22	9	segments	segment	NOUN
framr-1733	22	10	of	of	ADP
framr-1733	22	11	a	a	DET
framr-1733	22	12	bank	bank	NOUN
framr-1733	22	13	operations	operation	NOUN
framr-1733	22	14	:	:	PUNCT
framr-1733	22	15	capital	capital	NOUN
framr-1733	22	16	adequacy	adequacy	NOUN
framr-1733	22	17	,	,	PUNCT
framr-1733	22	18	asset	asset	NOUN
framr-1733	22	19	quality	quality	NOUN
framr-1733	22	20	,	,	PUNCT
framr-1733	22	21	management	management	NOUN
framr-1733	22	22	quality	quality	NOUN
framr-1733	22	23	,	,	PUNCT
framr-1733	22	24	earnings	earning	NOUN
framr-1733	22	25	ability	ability	NOUN
framr-1733	22	26	and	and	CCONJ
framr-1733	22	27	liquidity	liquidity	NOUN
framr-1733	22	28	.	.	PUNCT
framr-1733	23	1	since	since	SCONJ
framr-1733	23	2	1996	1996	NUM
framr-1733	23	3	,	,	PUNCT
framr-1733	23	4	out	out	ADP
framr-1733	23	5	of	of	ADP
framr-1733	23	6	the	the	DET
framr-1733	23	7	desire	desire	NOUN
framr-1733	23	8	to	to	PART
framr-1733	23	9	stronger	strong	ADJ
framr-1733	23	10	focus	focus	NOUN
framr-1733	23	11	on	on	ADP
framr-1733	23	12	risk	risk	NOUN
framr-1733	23	13	,	,	PUNCT
framr-1733	23	14	to	to	ADP
framr-1733	23	15	the	the	DET
framr-1733	23	16	five	five	NUM
framr-1733	23	17	components	component	NOUN
framr-1733	23	18	was	be	AUX
framr-1733	23	19	added	add	VERB
framr-1733	23	20	the	the	DET
framr-1733	23	21	financial	financial	ADJ
framr-1733	23	22	risk	risk	NOUN
framr-1733	23	23	and	and	CCONJ
framr-1733	23	24	management	management	NOUN
framr-1733	23	25	reviews	review	NOUN
framr-1733	23	26	2019	2019	NUM
framr-1733	23	27	vol	vol	NOUN
framr-1733	23	28	.	.	PROPN
framr-1733	24	1	5	5	NUM
framr-1733	24	2	,	,	PUNCT
framr-1733	24	3	no	no	INTJ
framr-1733	24	4	.	.	NOUN
framr-1733	24	5	1	1	NUM
framr-1733	24	6	,	,	PUNCT
framr-1733	24	7	pp	pp	ADJ
framr-1733	24	8	.	.	PUNCT
framr-1733	25	1	55	55	NUM
framr-1733	25	2	-	-	SYM
framr-1733	25	3	69	69	NUM
framr-1733	25	4	issn(e	issn(e	NOUN
framr-1733	25	5	):	):	PUNCT
framr-1733	25	6	2411	2411	NUM
framr-1733	25	7	-	-	SYM
framr-1733	25	8	6408	6408	NUM
framr-1733	25	9	issn(p	issn(p	NUM
framr-1733	25	10	):	):	PUNCT
framr-1733	25	11	2412	2412	NUM
framr-1733	25	12	-	-	SYM
framr-1733	25	13	3404	3404	NUM
framr-1733	25	14	doi	doi	NOUN
framr-1733	25	15	:	:	PUNCT
framr-1733	25	16	10.18488	10.18488	NUM
framr-1733	25	17	/	/	SYM
framr-1733	25	18	journal.89.2019.51.55.69	journal.89.2019.51.55.69	PROPN
framr-1733	25	19	©	©	PROPN
framr-1733	25	20	2019	2019	NUM
framr-1733	25	21	conscientia	conscientia	PROPN
framr-1733	25	22	beam	beam	PROPN
framr-1733	25	23	.	.	PUNCT
framr-1733	26	1	all	all	DET
framr-1733	26	2	rights	right	NOUN
framr-1733	26	3	reserved	reserve	VERB
framr-1733	26	4	.	.	PUNCT
framr-1733	27	1	https://orcid.org/0000-0003-0802-5440	https://orcid.org/0000-0003-0802-5440	PROPN
framr-1733	27	2	https://www.doi.org/10.18488/journal.89.2019.51.55.69	https://www.doi.org/10.18488/journal.89.2019.51.55.69	VERB
framr-1733	27	3	financial	financial	ADJ
framr-1733	27	4	risk	risk	NOUN
framr-1733	27	5	and	and	CCONJ
framr-1733	27	6	management	management	NOUN
framr-1733	27	7	reviews	review	NOUN
framr-1733	27	8	,	,	PUNCT
framr-1733	27	9	2019	2019	NUM
framr-1733	27	10	,	,	PUNCT
framr-1733	27	11	5(1	5(1	NUM
framr-1733	27	12	):	):	PUNCT
framr-1733	27	13	55	55	NUM
framr-1733	27	14	-	-	SYM
framr-1733	27	15	69	69	NUM
framr-1733	27	16	56	56	NUM
framr-1733	27	17	©	©	PROPN
framr-1733	27	18	2019	2019	NUM
framr-1733	27	19	conscientia	conscientia	PROPN
framr-1733	27	20	beam	beam	PROPN
framr-1733	27	21	.	.	PUNCT
framr-1733	28	1	all	all	DET
framr-1733	28	2	rights	right	NOUN
framr-1733	28	3	reserved	reserve	VERB
framr-1733	28	4	.	.	PUNCT
framr-1733	29	1	sixth	sixth	ADJ
framr-1733	29	2	component	component	NOUN
framr-1733	29	3	"	"	PUNCT
framr-1733	29	4	s	s	NOUN
framr-1733	29	5	"	"	PUNCT
framr-1733	29	6	,	,	PUNCT
framr-1733	29	7	so	so	SCONJ
framr-1733	29	8	that	that	SCONJ
framr-1733	29	9	the	the	DET
framr-1733	29	10	camel	camel	NOUN
framr-1733	29	11	approach	approach	NOUN
framr-1733	29	12	became	become	VERB
framr-1733	29	13	the	the	DET
framr-1733	29	14	camels	camel	NOUN
framr-1733	29	15	approach	approach	NOUN
framr-1733	29	16	,	,	PUNCT
framr-1733	29	17	where	where	SCONJ
framr-1733	29	18	“	"	PUNCT
framr-1733	29	19	s	s	X
framr-1733	29	20	”	"	PUNCT
framr-1733	29	21	refers	refer	VERB
framr-1733	29	22	to	to	ADP
framr-1733	29	23	the	the	DET
framr-1733	29	24	sensitivity	sensitivity	NOUN
framr-1733	29	25	to	to	PART
framr-1733	29	26	market	market	NOUN
framr-1733	29	27	risk	risk	NOUN
framr-1733	29	28	(	(	PUNCT
framr-1733	29	29	babu	babu	PROPN
framr-1733	29	30	and	and	CCONJ
framr-1733	29	31	kumar	kumar	PROPN
framr-1733	29	32	,	,	PUNCT
framr-1733	29	33	2017	2017	NUM
framr-1733	29	34	)	)	PUNCT
framr-1733	29	35	.	.	PUNCT
framr-1733	30	1	lopez	lopez	NOUN
framr-1733	30	2	(	(	PUNCT
framr-1733	30	3	1999	1999	NUM
framr-1733	30	4	)	)	PUNCT
framr-1733	30	5	stated	state	VERB
framr-1733	30	6	that	that	SCONJ
framr-1733	30	7	bank	bank	NOUN
framr-1733	30	8	supervisory	supervisory	ADJ
framr-1733	30	9	agencies	agency	NOUN
framr-1733	30	10	are	be	AUX
framr-1733	30	11	responsible	responsible	ADJ
framr-1733	30	12	for	for	ADP
framr-1733	30	13	monitoring	monitor	VERB
framr-1733	30	14	the	the	DET
framr-1733	30	15	financial	financial	ADJ
framr-1733	30	16	conditions	condition	NOUN
framr-1733	30	17	of	of	ADP
framr-1733	30	18	commercial	commercial	ADJ
framr-1733	30	19	banks	bank	NOUN
framr-1733	30	20	and	and	CCONJ
framr-1733	30	21	enforcing	enforce	VERB
framr-1733	30	22	related	related	ADJ
framr-1733	30	23	legislation	legislation	NOUN
framr-1733	30	24	and	and	CCONJ
framr-1733	30	25	regulatory	regulatory	ADJ
framr-1733	30	26	policy	policy	NOUN
framr-1733	30	27	.	.	PUNCT
framr-1733	31	1	a	a	DET
framr-1733	31	2	key	key	ADJ
framr-1733	31	3	product	product	NOUN
framr-1733	31	4	of	of	ADP
framr-1733	31	5	such	such	DET
framr-1733	31	6	an	an	DET
framr-1733	31	7	exam	exam	NOUN
framr-1733	31	8	is	be	AUX
framr-1733	31	9	a	a	DET
framr-1733	31	10	supervisory	supervisory	ADJ
framr-1733	31	11	rating	rating	NOUN
framr-1733	31	12	of	of	ADP
framr-1733	31	13	the	the	DET
framr-1733	31	14	bank	bank	NOUN
framr-1733	31	15	’s	’s	PART
framr-1733	31	16	overall	overall	ADJ
framr-1733	31	17	condition	condition	NOUN
framr-1733	31	18	,	,	PUNCT
framr-1733	31	19	commonly	commonly	ADV
framr-1733	31	20	referred	refer	VERB
framr-1733	31	21	to	to	ADP
framr-1733	31	22	as	as	ADP
framr-1733	31	23	a	a	DET
framr-1733	31	24	camels	camel	NOUN
framr-1733	31	25	rating	rating	NOUN
framr-1733	31	26	.	.	PUNCT
framr-1733	32	1	although	although	SCONJ
framr-1733	32	2	camels	camel	NOUN
framr-1733	32	3	rating	rating	NOUN
framr-1733	32	4	report	report	NOUN
framr-1733	32	5	is	be	AUX
framr-1733	32	6	important	important	ADJ
framr-1733	32	7	to	to	ADP
framr-1733	32	8	any	any	DET
framr-1733	32	9	party	party	NOUN
framr-1733	32	10	that	that	PRON
framr-1733	32	11	deals	deal	VERB
framr-1733	32	12	with	with	ADP
framr-1733	32	13	the	the	DET
framr-1733	32	14	banks	bank	NOUN
framr-1733	32	15	such	such	ADJ
framr-1733	32	16	as	as	ADP
framr-1733	32	17	investors	investor	NOUN
framr-1733	32	18	,	,	PUNCT
framr-1733	32	19	depositors	depositor	NOUN
framr-1733	32	20	,	,	PUNCT
framr-1733	32	21	creditors	creditor	NOUN
framr-1733	32	22	,	,	PUNCT
framr-1733	32	23	and	and	CCONJ
framr-1733	32	24	others	other	NOUN
framr-1733	32	25	,	,	PUNCT
framr-1733	32	26	camels	camel	NOUN
framr-1733	32	27	report	report	NOUN
framr-1733	32	28	is	be	AUX
framr-1733	32	29	never	never	ADV
framr-1733	32	30	released	release	VERB
framr-1733	32	31	by	by	ADP
framr-1733	32	32	supervisory	supervisory	ADJ
framr-1733	32	33	agencies	agency	NOUN
framr-1733	32	34	,	,	PUNCT
framr-1733	32	35	even	even	ADV
framr-1733	32	36	on	on	ADP
framr-1733	32	37	a	a	DET
framr-1733	32	38	lagged	lag	VERB
framr-1733	32	39	basis	basis	NOUN
framr-1733	32	40	.	.	PUNCT
framr-1733	33	1	the	the	DET
framr-1733	33	2	report	report	NOUN
framr-1733	33	3	is	be	AUX
framr-1733	33	4	open	open	ADJ
framr-1733	33	5	to	to	ADP
framr-1733	33	6	banks	bank	NOUN
framr-1733	33	7	’	’	PART
framr-1733	33	8	top	top	ADJ
framr-1733	33	9	management	management	NOUN
framr-1733	33	10	to	to	PART
framr-1733	33	11	shed	shed	VERB
framr-1733	33	12	some	some	DET
framr-1733	33	13	information	information	NOUN
framr-1733	33	14	to	to	ADP
framr-1733	33	15	them	they	PRON
framr-1733	33	16	on	on	ADP
framr-1733	33	17	their	their	PRON
framr-1733	33	18	weakness	weakness	NOUN
framr-1733	33	19	areas	area	NOUN
framr-1733	33	20	in	in	ADP
framr-1733	33	21	order	order	NOUN
framr-1733	33	22	to	to	PART
framr-1733	33	23	prevent	prevent	VERB
framr-1733	33	24	the	the	DET
framr-1733	33	25	bank	bank	NOUN
framr-1733	33	26	from	from	ADP
framr-1733	33	27	future	future	ADJ
framr-1733	33	28	difficulties	difficulty	NOUN
framr-1733	33	29	.	.	PUNCT
framr-1733	34	1	dincer	dincer	NOUN
framr-1733	34	2	et	et	PROPN
framr-1733	34	3	al	al	PROPN
framr-1733	34	4	.	.	PROPN
framr-1733	35	1	(	(	PUNCT
framr-1733	35	2	2011	2011	NUM
framr-1733	35	3	)	)	PUNCT
framr-1733	35	4	stated	state	VERB
framr-1733	35	5	that	that	SCONJ
framr-1733	35	6	camels	camel	NOUN
framr-1733	35	7	report	report	VERB
framr-1733	35	8	can	can	AUX
framr-1733	35	9	define	define	VERB
framr-1733	35	10	any	any	DET
framr-1733	35	11	problems	problem	NOUN
framr-1733	35	12	at	at	ADP
framr-1733	35	13	an	an	DET
framr-1733	35	14	early	early	ADJ
framr-1733	35	15	stage	stage	NOUN
framr-1733	35	16	.	.	PUNCT
framr-1733	36	1	babu	babu	PROPN
framr-1733	36	2	and	and	CCONJ
framr-1733	36	3	kumar	kumar	PROPN
framr-1733	36	4	(	(	PUNCT
framr-1733	36	5	2017	2017	NUM
framr-1733	36	6	)	)	PUNCT
framr-1733	36	7	used	use	VERB
framr-1733	36	8	camels	camel	NOUN
framr-1733	36	9	model	model	VERB
framr-1733	36	10	to	to	PART
framr-1733	36	11	compare	compare	VERB
framr-1733	36	12	the	the	DET
framr-1733	36	13	efficiency	efficiency	NOUN
framr-1733	36	14	between	between	ADP
framr-1733	36	15	public	public	ADJ
framr-1733	36	16	and	and	CCONJ
framr-1733	36	17	private	private	ADJ
framr-1733	36	18	sector	sector	NOUN
framr-1733	36	19	banks	bank	NOUN
framr-1733	36	20	in	in	ADP
framr-1733	36	21	india	india	PROPN
framr-1733	36	22	for	for	ADP
framr-1733	36	23	the	the	DET
framr-1733	36	24	period	period	NOUN
framr-1733	36	25	2013	2013	NUM
framr-1733	36	26	-	-	SYM
framr-1733	36	27	2016	2016	NUM
framr-1733	36	28	.	.	PUNCT
framr-1733	37	1	they	they	PRON
framr-1733	37	2	found	find	VERB
framr-1733	37	3	that	that	SCONJ
framr-1733	37	4	private	private	ADJ
framr-1733	37	5	sector	sector	NOUN
framr-1733	37	6	banks	bank	NOUN
framr-1733	37	7	had	have	VERB
framr-1733	37	8	a	a	DET
framr-1733	37	9	higher	high	ADJ
framr-1733	37	10	efficiency	efficiency	NOUN
framr-1733	37	11	level	level	NOUN
framr-1733	37	12	than	than	ADP
framr-1733	37	13	the	the	DET
framr-1733	37	14	public	public	ADJ
framr-1733	37	15	sector	sector	NOUN
framr-1733	37	16	banks	bank	NOUN
framr-1733	37	17	in	in	ADP
framr-1733	37	18	terms	term	NOUN
framr-1733	37	19	of	of	ADP
framr-1733	37	20	capital	capital	NOUN
framr-1733	37	21	adequacy	adequacy	NOUN
framr-1733	37	22	,	,	PUNCT
framr-1733	37	23	management	management	NOUN
framr-1733	37	24	efficiency	efficiency	NOUN
framr-1733	37	25	,	,	PUNCT
framr-1733	37	26	earning	earn	VERB
framr-1733	37	27	capacity	capacity	NOUN
framr-1733	37	28	and	and	CCONJ
framr-1733	37	29	liquidity	liquidity	NOUN
framr-1733	37	30	.	.	PUNCT
framr-1733	38	1	jha	jha	PROPN
framr-1733	38	2	and	and	CCONJ
framr-1733	38	3	hui	hui	PROPN
framr-1733	38	4	(	(	PUNCT
framr-1733	38	5	2012	2012	NUM
framr-1733	38	6	)	)	PUNCT
framr-1733	38	7	studied	study	VERB
framr-1733	38	8	the	the	DET
framr-1733	38	9	financial	financial	ADJ
framr-1733	38	10	performance	performance	NOUN
framr-1733	38	11	of	of	ADP
framr-1733	38	12	different	different	ADJ
framr-1733	38	13	ownership	ownership	NOUN
framr-1733	38	14	structured	structure	VERB
framr-1733	38	15	commercial	commercial	ADJ
framr-1733	38	16	banks	bank	NOUN
framr-1733	38	17	in	in	ADP
framr-1733	38	18	nepal	nepal	NOUN
framr-1733	38	19	based	base	VERB
framr-1733	38	20	on	on	ADP
framr-1733	38	21	their	their	PRON
framr-1733	38	22	financial	financial	ADJ
framr-1733	38	23	characteristics	characteristic	NOUN
framr-1733	38	24	.	.	PUNCT
framr-1733	39	1	eighteen	eighteen	NUM
framr-1733	39	2	commercial	commercial	ADJ
framr-1733	39	3	banks	bank	NOUN
framr-1733	39	4	for	for	ADP
framr-1733	39	5	the	the	DET
framr-1733	39	6	period	period	NOUN
framr-1733	39	7	2005	2005	NUM
framr-1733	39	8	to	to	ADP
framr-1733	39	9	2010	2010	NUM
framr-1733	39	10	were	be	AUX
framr-1733	39	11	selected	select	VERB
framr-1733	39	12	.	.	PUNCT
framr-1733	40	1	the	the	DET
framr-1733	40	2	results	result	NOUN
framr-1733	40	3	showed	show	VERB
framr-1733	40	4	that	that	SCONJ
framr-1733	40	5	public	public	ADJ
framr-1733	40	6	sector	sector	NOUN
framr-1733	40	7	banks	bank	NOUN
framr-1733	40	8	were	be	AUX
framr-1733	40	9	significantly	significantly	ADV
framr-1733	40	10	less	less	ADV
framr-1733	40	11	efficient	efficient	ADJ
framr-1733	40	12	than	than	ADP
framr-1733	40	13	their	their	PRON
framr-1733	40	14	counterparts	counterpart	NOUN
framr-1733	40	15	.	.	PUNCT
framr-1733	41	1	furthermore	furthermore	ADV
framr-1733	41	2	,	,	PUNCT
framr-1733	41	3	the	the	DET
framr-1733	41	4	study	study	NOUN
framr-1733	41	5	revealed	reveal	VERB
framr-1733	41	6	that	that	SCONJ
framr-1733	41	7	return	return	NOUN
framr-1733	41	8	on	on	ADP
framr-1733	41	9	assets	asset	NOUN
framr-1733	41	10	was	be	AUX
framr-1733	41	11	significantly	significantly	ADV
framr-1733	41	12	influenced	influence	VERB
framr-1733	41	13	by	by	ADP
framr-1733	41	14	capital	capital	NOUN
framr-1733	41	15	adequacy	adequacy	NOUN
framr-1733	41	16	ratio	ratio	NOUN
framr-1733	41	17	,	,	PUNCT
framr-1733	41	18	interest	interest	NOUN
framr-1733	41	19	expenses	expense	NOUN
framr-1733	41	20	to	to	ADP
framr-1733	41	21	total	total	ADJ
framr-1733	41	22	loan	loan	NOUN
framr-1733	41	23	and	and	CCONJ
framr-1733	41	24	net	net	ADJ
framr-1733	41	25	interest	interest	NOUN
framr-1733	41	26	margin	margin	NOUN
framr-1733	41	27	,	,	PUNCT
framr-1733	41	28	while	while	SCONJ
framr-1733	41	29	capital	capital	NOUN
framr-1733	41	30	adequacy	adequacy	NOUN
framr-1733	41	31	ratio	ratio	NOUN
framr-1733	41	32	had	have	VERB
framr-1733	41	33	considerable	considerable	ADJ
framr-1733	41	34	effect	effect	NOUN
framr-1733	41	35	on	on	ADP
framr-1733	41	36	return	return	NOUN
framr-1733	41	37	on	on	ADP
framr-1733	41	38	equity	equity	NOUN
framr-1733	41	39	.	.	PUNCT
framr-1733	42	1	mishra	mishra	PROPN
framr-1733	42	2	et	et	PROPN
framr-1733	42	3	al	al	PROPN
framr-1733	42	4	.	.	PROPN
framr-1733	43	1	(	(	PUNCT
framr-1733	43	2	2012	2012	NUM
framr-1733	43	3	)	)	PUNCT
framr-1733	43	4	analyzed	analyze	VERB
framr-1733	43	5	the	the	DET
framr-1733	43	6	performance	performance	NOUN
framr-1733	43	7	of	of	ADP
framr-1733	43	8	12	12	NUM
framr-1733	43	9	public	public	ADJ
framr-1733	43	10	and	and	CCONJ
framr-1733	43	11	private	private	ADJ
framr-1733	43	12	sector	sector	NOUN
framr-1733	43	13	banks	bank	NOUN
framr-1733	43	14	over	over	ADP
framr-1733	43	15	a	a	DET
framr-1733	43	16	period	period	NOUN
framr-1733	43	17	of	of	ADP
framr-1733	43	18	eleven	eleven	NUM
framr-1733	43	19	years	year	NOUN
framr-1733	43	20	(	(	PUNCT
framr-1733	43	21	2000	2000	NUM
framr-1733	43	22	-	-	SYM
framr-1733	43	23	2011	2011	NUM
framr-1733	43	24	)	)	PUNCT
framr-1733	43	25	.	.	PUNCT
framr-1733	44	1	for	for	ADP
framr-1733	44	2	this	this	DET
framr-1733	44	3	purpose	purpose	NOUN
framr-1733	44	4	,	,	PUNCT
framr-1733	44	5	camel	camel	NOUN
framr-1733	44	6	approach	approach	NOUN
framr-1733	44	7	was	be	AUX
framr-1733	44	8	used	use	VERB
framr-1733	44	9	and	and	CCONJ
framr-1733	44	10	they	they	PRON
framr-1733	44	11	concluded	conclude	VERB
framr-1733	44	12	that	that	SCONJ
framr-1733	44	13	private	private	ADJ
framr-1733	44	14	sector	sector	NOUN
framr-1733	44	15	banks	bank	NOUN
framr-1733	44	16	are	be	AUX
framr-1733	44	17	at	at	ADP
framr-1733	44	18	the	the	DET
framr-1733	44	19	top	top	NOUN
framr-1733	44	20	of	of	ADP
framr-1733	44	21	the	the	DET
framr-1733	44	22	list	list	NOUN
framr-1733	44	23	,	,	PUNCT
framr-1733	44	24	with	with	ADP
framr-1733	44	25	their	their	PRON
framr-1733	44	26	performances	performance	NOUN
framr-1733	44	27	in	in	ADP
framr-1733	44	28	terms	term	NOUN
framr-1733	44	29	of	of	ADP
framr-1733	44	30	soundness	soundness	NOUN
framr-1733	44	31	.	.	PUNCT
framr-1733	45	1	christopoulos	christopoulos	PROPN
framr-1733	45	2	et	et	PROPN
framr-1733	45	3	al	al	PROPN
framr-1733	45	4	.	.	PROPN
framr-1733	46	1	(	(	PUNCT
framr-1733	46	2	2011	2011	NUM
framr-1733	46	3	)	)	PUNCT
framr-1733	46	4	tried	try	VERB
framr-1733	46	5	to	to	PART
framr-1733	46	6	analyze	analyze	VERB
framr-1733	46	7	whether	whether	SCONJ
framr-1733	46	8	lehman	lehman	PROPN
framr-1733	46	9	brothers	brother	NOUN
framr-1733	46	10	’	'	PUNCT
framr-1733	46	11	collapse	collapse	NOUN
framr-1733	46	12	can	can	AUX
framr-1733	46	13	be	be	AUX
framr-1733	46	14	anticipated	anticipate	VERB
framr-1733	46	15	by	by	ADP
framr-1733	46	16	using	use	VERB
framr-1733	46	17	camels	camel	NOUN
framr-1733	46	18	method	method	NOUN
framr-1733	46	19	.	.	PUNCT
framr-1733	47	1	in	in	ADP
framr-1733	47	2	order	order	NOUN
framr-1733	47	3	to	to	PART
framr-1733	47	4	achieve	achieve	VERB
framr-1733	47	5	this	this	DET
framr-1733	47	6	objective	objective	NOUN
framr-1733	47	7	,	,	PUNCT
framr-1733	47	8	data	datum	NOUN
framr-1733	47	9	for	for	ADP
framr-1733	47	10	the	the	DET
framr-1733	47	11	period	period	NOUN
framr-1733	47	12	between	between	ADP
framr-1733	47	13	2003	2003	NUM
framr-1733	47	14	and	and	CCONJ
framr-1733	47	15	2007	2007	NUM
framr-1733	47	16	ware	ware	NOUN
framr-1733	47	17	used	use	VERB
framr-1733	47	18	.	.	PUNCT
framr-1733	48	1	according	accord	VERB
framr-1733	48	2	to	to	ADP
framr-1733	48	3	the	the	DET
framr-1733	48	4	results	result	NOUN
framr-1733	48	5	of	of	ADP
framr-1733	48	6	the	the	DET
framr-1733	48	7	study	study	NOUN
framr-1733	48	8	,	,	PUNCT
framr-1733	48	9	it	it	PRON
framr-1733	48	10	was	be	AUX
framr-1733	48	11	determined	determine	VERB
framr-1733	48	12	that	that	SCONJ
framr-1733	48	13	camels	camel	NOUN
framr-1733	48	14	analysis	analysis	NOUN
framr-1733	48	15	showed	show	VERB
framr-1733	48	16	a	a	DET
framr-1733	48	17	decline	decline	NOUN
framr-1733	48	18	of	of	ADP
framr-1733	48	19	lehman	lehman	PROPN
framr-1733	48	20	brothers	brother	NOUN
framr-1733	48	21	.	.	PUNCT
framr-1733	49	1	türker	türker	PROPN
framr-1733	49	2	kaya	kaya	PROPN
framr-1733	49	3	(	(	PUNCT
framr-1733	49	4	2001	2001	NUM
framr-1733	49	5	)	)	PUNCT
framr-1733	49	6	analyzed	analyze	VERB
framr-1733	49	7	turkish	turkish	ADJ
framr-1733	49	8	banks	bank	NOUN
framr-1733	49	9	by	by	ADP
framr-1733	49	10	using	use	VERB
framr-1733	49	11	camels	camel	NOUN
framr-1733	49	12	method	method	NOUN
framr-1733	49	13	.	.	PUNCT
framr-1733	50	1	data	datum	NOUN
framr-1733	50	2	of	of	ADP
framr-1733	50	3	1997	1997	NUM
framr-1733	50	4	and	and	CCONJ
framr-1733	50	5	2000	2000	NUM
framr-1733	50	6	were	be	AUX
framr-1733	50	7	used	use	VERB
framr-1733	50	8	in	in	ADP
framr-1733	50	9	this	this	DET
framr-1733	50	10	analysis	analysis	NOUN
framr-1733	50	11	.	.	PUNCT
framr-1733	51	1	it	it	PRON
framr-1733	51	2	was	be	AUX
framr-1733	51	3	concluded	conclude	VERB
framr-1733	51	4	that	that	SCONJ
framr-1733	51	5	the	the	DET
framr-1733	51	6	performance	performance	NOUN
framr-1733	51	7	of	of	ADP
framr-1733	51	8	the	the	DET
framr-1733	51	9	banks	bank	NOUN
framr-1733	51	10	in	in	ADP
framr-1733	51	11	2000	2000	NUM
framr-1733	51	12	was	be	AUX
framr-1733	51	13	worse	bad	ADJ
framr-1733	51	14	than	than	ADP
framr-1733	51	15	the	the	DET
framr-1733	51	16	performance	performance	NOUN
framr-1733	51	17	in	in	ADP
framr-1733	51	18	1997	1997	NUM
framr-1733	51	19	.	.	PUNCT
framr-1733	52	1	another	another	DET
framr-1733	52	2	conclusion	conclusion	NOUN
framr-1733	52	3	of	of	ADP
framr-1733	52	4	this	this	DET
framr-1733	52	5	study	study	NOUN
framr-1733	52	6	was	be	AUX
framr-1733	52	7	that	that	SCONJ
framr-1733	52	8	when	when	SCONJ
framr-1733	52	9	camels	camel	NOUN
framr-1733	52	10	ratings	rating	NOUN
framr-1733	52	11	of	of	ADP
framr-1733	52	12	banks	bank	NOUN
framr-1733	52	13	increase	increase	VERB
framr-1733	52	14	,	,	PUNCT
framr-1733	52	15	the	the	DET
framr-1733	52	16	probability	probability	NOUN
framr-1733	52	17	of	of	ADP
framr-1733	52	18	going	go	VERB
framr-1733	52	19	bankruptcy	bankruptcy	NOUN
framr-1733	52	20	decreases	decrease	NOUN
framr-1733	52	21	.	.	PUNCT
framr-1733	53	1	2	2	X
framr-1733	53	2	.	.	X
framr-1733	53	3	methodology	methodology	NOUN
framr-1733	53	4	this	this	DET
framr-1733	53	5	study	study	NOUN
framr-1733	53	6	is	be	AUX
framr-1733	53	7	based	base	VERB
framr-1733	53	8	on	on	ADP
framr-1733	53	9	the	the	DET
framr-1733	53	10	use	use	NOUN
framr-1733	53	11	of	of	ADP
framr-1733	53	12	financial	financial	ADJ
framr-1733	53	13	ratios	ratio	NOUN
framr-1733	53	14	in	in	ADP
framr-1733	53	15	evaluating	evaluate	VERB
framr-1733	53	16	the	the	DET
framr-1733	53	17	financial	financial	ADJ
framr-1733	53	18	soundness	soundness	NOUN
framr-1733	53	19	of	of	ADP
framr-1733	53	20	kuwaiti	kuwaiti	PROPN
framr-1733	53	21	banks	bank	NOUN
framr-1733	53	22	.	.	PUNCT
framr-1733	54	1	back	back	ADV
framr-1733	54	2	et	et	PROPN
framr-1733	54	3	al	al	PROPN
framr-1733	54	4	.	.	PROPN
framr-1733	55	1	(	(	PUNCT
framr-1733	55	2	1994	1994	NUM
framr-1733	55	3	)	)	PUNCT
framr-1733	55	4	showed	show	VERB
framr-1733	55	5	that	that	SCONJ
framr-1733	55	6	models	model	NOUN
framr-1733	55	7	built	build	VERB
framr-1733	55	8	with	with	ADP
framr-1733	55	9	financial	financial	ADJ
framr-1733	55	10	ratios	ratio	NOUN
framr-1733	55	11	alone	alone	ADV
framr-1733	55	12	perform	perform	VERB
framr-1733	55	13	better	well	ADV
framr-1733	55	14	than	than	ADP
framr-1733	55	15	those	those	PRON
framr-1733	55	16	built	build	VERB
framr-1733	55	17	with	with	ADP
framr-1733	55	18	common	common	ADJ
framr-1733	55	19	financial	financial	ADJ
framr-1733	55	20	variables	variable	NOUN
framr-1733	55	21	.	.	PUNCT
framr-1733	56	1	capital	capital	NOUN
framr-1733	56	2	adequacy	adequacy	NOUN
framr-1733	56	3	is	be	AUX
framr-1733	56	4	used	use	VERB
framr-1733	56	5	as	as	ADP
framr-1733	56	6	an	an	DET
framr-1733	56	7	indicator	indicator	NOUN
framr-1733	56	8	to	to	PART
framr-1733	56	9	determine	determine	VERB
framr-1733	56	10	the	the	DET
framr-1733	56	11	bank	bank	NOUN
framr-1733	56	12	’s	’s	PART
framr-1733	56	13	financial	financial	ADJ
framr-1733	56	14	health	health	NOUN
framr-1733	56	15	and	and	CCONJ
framr-1733	56	16	soundness	soundness	NOUN
framr-1733	56	17	.	.	PUNCT
framr-1733	57	1	it	it	PRON
framr-1733	57	2	provides	provide	VERB
framr-1733	57	3	protection	protection	NOUN
framr-1733	57	4	for	for	ADP
framr-1733	57	5	investors	investor	NOUN
framr-1733	57	6	and	and	CCONJ
framr-1733	57	7	enhancing	enhance	VERB
framr-1733	57	8	the	the	DET
framr-1733	57	9	stability	stability	NOUN
framr-1733	57	10	and	and	CCONJ
framr-1733	57	11	efficiency	efficiency	NOUN
framr-1733	57	12	of	of	ADP
framr-1733	57	13	the	the	DET
framr-1733	57	14	bank	bank	NOUN
framr-1733	57	15	.	.	PUNCT
framr-1733	58	1	capital	capital	NOUN
framr-1733	58	2	adequacy	adequacy	NOUN
framr-1733	58	3	is	be	AUX
framr-1733	58	4	used	use	VERB
framr-1733	58	5	as	as	ADP
framr-1733	58	6	an	an	DET
framr-1733	58	7	indicator	indicator	NOUN
framr-1733	58	8	to	to	PART
framr-1733	58	9	determine	determine	VERB
framr-1733	58	10	whether	whether	SCONJ
framr-1733	58	11	the	the	DET
framr-1733	58	12	bank	bank	NOUN
framr-1733	58	13	has	have	VERB
framr-1733	58	14	sufficient	sufficient	ADJ
framr-1733	58	15	resources	resource	NOUN
framr-1733	58	16	to	to	PART
framr-1733	58	17	bear	bear	VERB
framr-1733	58	18	unexpected	unexpected	ADJ
framr-1733	58	19	losses	loss	NOUN
framr-1733	58	20	in	in	ADP
framr-1733	58	21	the	the	DET
framr-1733	58	22	future	future	NOUN
framr-1733	58	23	and	and	CCONJ
framr-1733	58	24	how	how	SCONJ
framr-1733	58	25	leveraged	leveraged	ADJ
framr-1733	58	26	is	be	AUX
framr-1733	58	27	the	the	DET
framr-1733	58	28	bank	bank	NOUN
framr-1733	58	29	.	.	PUNCT
framr-1733	59	1	kosmidou	kosmidou	PROPN
framr-1733	59	2	(	(	PUNCT
framr-1733	59	3	2008	2008	NUM
framr-1733	59	4	)	)	PUNCT
framr-1733	59	5	and	and	CCONJ
framr-1733	59	6	dang	dang	INTJ
framr-1733	59	7	(	(	PUNCT
framr-1733	59	8	2011	2011	NUM
framr-1733	59	9	)	)	PUNCT
framr-1733	59	10	defined	define	VERB
framr-1733	59	11	capital	capital	NOUN
framr-1733	59	12	adequacy	adequacy	NOUN
framr-1733	59	13	as	as	ADP
framr-1733	59	14	the	the	DET
framr-1733	59	15	sufficiency	sufficiency	NOUN
framr-1733	59	16	of	of	ADP
framr-1733	59	17	the	the	DET
framr-1733	59	18	amount	amount	NOUN
framr-1733	59	19	of	of	ADP
framr-1733	59	20	equity	equity	NOUN
framr-1733	59	21	to	to	PART
framr-1733	59	22	absorb	absorb	VERB
framr-1733	59	23	any	any	DET
framr-1733	59	24	shocks	shock	NOUN
framr-1733	59	25	the	the	DET
framr-1733	59	26	bank	bank	NOUN
framr-1733	59	27	might	might	AUX
framr-1733	59	28	encounter	encounter	VERB
framr-1733	59	29	and	and	CCONJ
framr-1733	59	30	it	it	PRON
framr-1733	59	31	shows	show	VERB
framr-1733	59	32	the	the	DET
framr-1733	59	33	internal	internal	ADJ
framr-1733	59	34	strength	strength	NOUN
framr-1733	59	35	of	of	ADP
framr-1733	59	36	the	the	DET
framr-1733	59	37	bank	bank	NOUN
framr-1733	59	38	to	to	PART
framr-1733	59	39	withstand	withstand	VERB
framr-1733	59	40	losses	loss	NOUN
framr-1733	59	41	during	during	ADP
framr-1733	59	42	crisis	crisis	NOUN
framr-1733	59	43	periods	period	NOUN
framr-1733	59	44	.	.	PUNCT
framr-1733	60	1	capital	capital	NOUN
framr-1733	60	2	adequacy	adequacy	NOUN
framr-1733	60	3	ratios	ratio	NOUN
framr-1733	60	4	are	be	AUX
framr-1733	60	5	composed	compose	VERB
framr-1733	60	6	of	of	ADP
framr-1733	60	7	four	four	NUM
framr-1733	60	8	ratios	ratio	NOUN
framr-1733	60	9	as	as	SCONJ
framr-1733	60	10	shown	show	VERB
framr-1733	60	11	in	in	ADP
framr-1733	60	12	table	table	NOUN
framr-1733	60	13	1	1	NUM
framr-1733	60	14	.	.	PUNCT
framr-1733	61	1	capital	capital	NOUN
framr-1733	61	2	to	to	ADP
framr-1733	61	3	risk	risk	NOUN
framr-1733	61	4	-	-	PUNCT
framr-1733	61	5	weighted	weight	VERB
framr-1733	61	6	assets	asset	NOUN
framr-1733	61	7	ratio	ratio	NOUN
framr-1733	61	8	is	be	AUX
framr-1733	61	9	advocated	advocate	VERB
framr-1733	61	10	to	to	PART
framr-1733	61	11	ensure	ensure	VERB
framr-1733	61	12	that	that	SCONJ
framr-1733	61	13	the	the	DET
framr-1733	61	14	bank	bank	NOUN
framr-1733	61	15	can	can	AUX
framr-1733	61	16	bear	bear	VERB
framr-1733	61	17	a	a	DET
framr-1733	61	18	reasonable	reasonable	ADJ
framr-1733	61	19	amount	amount	NOUN
framr-1733	61	20	of	of	ADP
framr-1733	61	21	losses	loss	NOUN
framr-1733	61	22	occurring	occur	VERB
framr-1733	61	23	during	during	ADP
framr-1733	61	24	the	the	DET
framr-1733	61	25	operations	operation	NOUN
framr-1733	61	26	and	and	CCONJ
framr-1733	61	27	to	to	PART
framr-1733	61	28	determine	determine	VERB
framr-1733	61	29	the	the	DET
framr-1733	61	30	bank	bank	NOUN
framr-1733	61	31	’s	’s	PART
framr-1733	61	32	loss	loss	NOUN
framr-1733	61	33	bearing	bear	VERB
framr-1733	61	34	capacity	capacity	NOUN
framr-1733	61	35	.	.	PUNCT
framr-1733	62	1	debt	debt	NOUN
framr-1733	62	2	-	-	PUNCT
framr-1733	62	3	equity	equity	NOUN
framr-1733	62	4	ratio	ratio	NOUN
framr-1733	62	5	measures	measure	VERB
framr-1733	62	6	the	the	DET
framr-1733	62	7	degree	degree	NOUN
framr-1733	62	8	of	of	ADP
framr-1733	62	9	leverage	leverage	NOUN
framr-1733	62	10	the	the	DET
framr-1733	62	11	bank	bank	NOUN
framr-1733	62	12	has	have	VERB
framr-1733	62	13	.	.	PUNCT
framr-1733	63	1	having	have	VERB
framr-1733	63	2	a	a	DET
framr-1733	63	3	higher	high	ADJ
framr-1733	63	4	debt	debt	NOUN
framr-1733	63	5	-	-	PUNCT
framr-1733	63	6	equity	equity	NOUN
framr-1733	63	7	ratio	ratio	NOUN
framr-1733	63	8	indicated	indicate	VERB
framr-1733	63	9	the	the	DET
framr-1733	63	10	aggressiveness	aggressiveness	NOUN
framr-1733	63	11	of	of	ADP
framr-1733	63	12	the	the	DET
framr-1733	63	13	bank	bank	NOUN
framr-1733	63	14	,	,	PUNCT
framr-1733	63	15	which	which	PRON
framr-1733	63	16	would	would	AUX
framr-1733	63	17	reflect	reflect	VERB
framr-1733	63	18	less	less	ADJ
framr-1733	63	19	protection	protection	NOUN
framr-1733	63	20	for	for	ADP
framr-1733	63	21	depositors	depositor	NOUN
framr-1733	63	22	and	and	CCONJ
framr-1733	63	23	creditors	creditor	NOUN
framr-1733	63	24	and	and	CCONJ
framr-1733	63	25	vice	vice	NOUN
framr-1733	63	26	-	-	NOUN
framr-1733	63	27	versa	versa	NOUN
framr-1733	63	28	.	.	PUNCT
framr-1733	64	1	the	the	DET
framr-1733	64	2	equity	equity	NOUN
framr-1733	64	3	to	to	AUX
framr-1733	64	4	total	total	ADJ
framr-1733	64	5	assets	asset	NOUN
framr-1733	64	6	ratio	ratio	NOUN
framr-1733	64	7	gauges	gauge	VERB
framr-1733	64	8	the	the	DET
framr-1733	64	9	bank	bank	NOUN
framr-1733	64	10	’s	’s	PART
framr-1733	64	11	total	total	ADJ
framr-1733	64	12	equity	equity	NOUN
framr-1733	64	13	indicates	indicate	VERB
framr-1733	64	14	the	the	DET
framr-1733	64	15	expansion	expansion	NOUN
framr-1733	64	16	of	of	ADP
framr-1733	64	17	the	the	DET
framr-1733	64	18	bank	bank	NOUN
framr-1733	64	19	,	,	PUNCT
framr-1733	64	20	a	a	DET
framr-1733	64	21	higher	high	ADJ
framr-1733	64	22	ratio	ratio	NOUN
framr-1733	64	23	would	would	AUX
framr-1733	64	24	mean	mean	VERB
framr-1733	64	25	that	that	SCONJ
framr-1733	64	26	the	the	DET
framr-1733	64	27	bank	bank	NOUN
framr-1733	64	28	is	be	AUX
framr-1733	64	29	more	more	ADV
framr-1733	64	30	fragile	fragile	ADJ
framr-1733	64	31	to	to	ADP
framr-1733	64	32	any	any	DET
framr-1733	64	33	unexpected	unexpected	ADJ
framr-1733	64	34	losses	loss	NOUN
framr-1733	64	35	.	.	PUNCT
framr-1733	65	1	government	government	NOUN
framr-1733	65	2	securities	security	NOUN
framr-1733	65	3	are	be	AUX
framr-1733	65	4	considers	consider	VERB
framr-1733	65	5	the	the	DET
framr-1733	65	6	most	most	ADV
framr-1733	65	7	secured	secure	VERB
framr-1733	65	8	investments	investment	NOUN
framr-1733	65	9	a	a	DET
framr-1733	65	10	bank	bank	NOUN
framr-1733	65	11	can	can	AUX
framr-1733	65	12	invest	invest	VERB
framr-1733	65	13	in	in	ADP
framr-1733	65	14	,	,	PUNCT
framr-1733	65	15	that	that	PRON
framr-1733	65	16	is	be	AUX
framr-1733	65	17	why	why	SCONJ
framr-1733	65	18	investments	investment	NOUN
framr-1733	65	19	in	in	ADP
framr-1733	65	20	government	government	NOUN
framr-1733	65	21	securities	security	NOUN
framr-1733	65	22	to	to	PART
framr-1733	65	23	total	total	VERB
framr-1733	65	24	investments	investment	NOUN
framr-1733	65	25	ratio	ratio	NOUN
framr-1733	65	26	is	be	AUX
framr-1733	65	27	important	important	ADJ
framr-1733	65	28	indicator	indicator	NOUN
framr-1733	65	29	for	for	ADP
framr-1733	65	30	measuring	measure	VERB
framr-1733	65	31	the	the	DET
framr-1733	65	32	ability	ability	NOUN
framr-1733	65	33	of	of	ADP
framr-1733	65	34	the	the	DET
framr-1733	65	35	bank	bank	NOUN
framr-1733	65	36	to	to	PART
framr-1733	65	37	absorb	absorb	VERB
framr-1733	65	38	any	any	DET
framr-1733	65	39	unexpected	unexpected	ADJ
framr-1733	65	40	downfalls	downfall	NOUN
framr-1733	65	41	since	since	SCONJ
framr-1733	65	42	these	these	DET
framr-1733	65	43	securities	security	NOUN
framr-1733	65	44	are	be	AUX
framr-1733	65	45	the	the	DET
framr-1733	65	46	safest	safe	ADJ
framr-1733	65	47	and	and	CCONJ
framr-1733	65	48	most	most	ADV
framr-1733	65	49	liquid	liquid	ADJ
framr-1733	65	50	financial	financial	ADJ
framr-1733	65	51	risk	risk	NOUN
framr-1733	65	52	and	and	CCONJ
framr-1733	65	53	management	management	NOUN
framr-1733	65	54	reviews	review	NOUN
framr-1733	65	55	,	,	PUNCT
framr-1733	65	56	2019	2019	NUM
framr-1733	65	57	,	,	PUNCT
framr-1733	65	58	5(1	5(1	NUM
framr-1733	65	59	):	):	PUNCT
framr-1733	65	60	55	55	NUM
framr-1733	65	61	-	-	SYM
framr-1733	65	62	69	69	NUM
framr-1733	65	63	57	57	NUM
framr-1733	65	64	©	©	PROPN
framr-1733	65	65	2019	2019	NUM
framr-1733	65	66	conscientia	conscientia	PROPN
framr-1733	65	67	beam	beam	PROPN
framr-1733	65	68	.	.	PUNCT
framr-1733	66	1	all	all	DET
framr-1733	66	2	rights	right	NOUN
framr-1733	66	3	reserved	reserve	VERB
framr-1733	66	4	.	.	PUNCT
framr-1733	67	1	investments	investment	NOUN
framr-1733	67	2	a	a	DET
framr-1733	67	3	bank	bank	NOUN
framr-1733	67	4	can	can	AUX
framr-1733	67	5	hold	hold	VERB
framr-1733	67	6	.	.	PUNCT
framr-1733	68	1	a	a	DET
framr-1733	68	2	higher	high	ADJ
framr-1733	68	3	government	government	NOUN
framr-1733	68	4	investments	investment	NOUN
framr-1733	68	5	to	to	PART
framr-1733	68	6	total	total	VERB
framr-1733	68	7	investments	investment	NOUN
framr-1733	68	8	ratio	ratio	NOUN
framr-1733	68	9	would	would	AUX
framr-1733	68	10	indicates	indicate	VERB
framr-1733	68	11	a	a	DET
framr-1733	68	12	conservative	conservative	ADJ
framr-1733	68	13	investment	investment	NOUN
framr-1733	68	14	strategy	strategy	NOUN
framr-1733	68	15	by	by	ADP
framr-1733	68	16	the	the	DET
framr-1733	68	17	bank	bank	NOUN
framr-1733	68	18	which	which	PRON
framr-1733	68	19	would	would	AUX
framr-1733	68	20	results	result	VERB
framr-1733	68	21	in	in	ADP
framr-1733	68	22	a	a	DET
framr-1733	68	23	lower	low	ADJ
framr-1733	68	24	risk	risk	NOUN
framr-1733	68	25	.	.	PUNCT
framr-1733	69	1	table-1	table-1	PRON
framr-1733	69	2	.	.	PUNCT
framr-1733	69	3	capital	capital	NOUN
framr-1733	69	4	adequacy	adequacy	NOUN
framr-1733	69	5	ratios	ratio	NOUN
framr-1733	69	6	.	.	PUNCT
framr-1733	70	1	capital	capital	NOUN
framr-1733	70	2	adequacy	adequacy	NOUN
framr-1733	70	3	ratios	ratio	NOUN
framr-1733	70	4	capital	capital	NOUN
framr-1733	70	5	adequacy	adequacy	NOUN
framr-1733	70	6	ratio	ratio	NOUN
framr-1733	70	7	debt	debt	NOUN
framr-1733	70	8	-	-	PUNCT
framr-1733	70	9	equity	equity	NOUN
framr-1733	70	10	ratio	ratio	NOUN
framr-1733	70	11	total	total	NOUN
framr-1733	70	12	equity	equity	NOUN
framr-1733	70	13	to	to	ADP
framr-1733	70	14	total	total	ADJ
framr-1733	70	15	assets	asset	NOUN
framr-1733	70	16	ratio	ratio	NOUN
framr-1733	70	17	government	government	NOUN
framr-1733	70	18	securities	security	NOUN
framr-1733	70	19	investments	investment	NOUN
framr-1733	70	20	to	to	PART
framr-1733	70	21	total	total	VERB
framr-1733	70	22	investments	investment	NOUN
framr-1733	70	23	ratio	ratio	NOUN
framr-1733	70	24	it	it	PRON
framr-1733	70	25	is	be	AUX
framr-1733	70	26	known	know	VERB
framr-1733	70	27	that	that	SCONJ
framr-1733	70	28	assets	asset	NOUN
framr-1733	70	29	quality	quality	NOUN
framr-1733	70	30	determines	determine	VERB
framr-1733	70	31	the	the	DET
framr-1733	70	32	financial	financial	ADJ
framr-1733	70	33	reliability	reliability	NOUN
framr-1733	70	34	and	and	CCONJ
framr-1733	70	35	strength	strength	NOUN
framr-1733	70	36	of	of	ADP
framr-1733	70	37	the	the	DET
framr-1733	70	38	bank	bank	NOUN
framr-1733	70	39	.	.	PUNCT
framr-1733	71	1	in	in	ADP
framr-1733	71	2	order	order	NOUN
framr-1733	71	3	to	to	PART
framr-1733	71	4	determine	determine	VERB
framr-1733	71	5	the	the	DET
framr-1733	71	6	assets	asset	NOUN
framr-1733	71	7	quality	quality	NOUN
framr-1733	71	8	a	a	DET
framr-1733	71	9	number	number	NOUN
framr-1733	71	10	of	of	ADP
framr-1733	71	11	ratios	ratio	NOUN
framr-1733	71	12	are	be	AUX
framr-1733	71	13	used	use	VERB
framr-1733	71	14	,	,	PUNCT
framr-1733	71	15	these	these	DET
framr-1733	71	16	ratios	ratio	NOUN
framr-1733	71	17	are	be	AUX
framr-1733	71	18	presented	present	VERB
framr-1733	71	19	in	in	ADP
framr-1733	71	20	in	in	ADP
framr-1733	71	21	table	table	NOUN
framr-1733	71	22	2	2	NUM
framr-1733	71	23	.	.	PUNCT
framr-1733	72	1	the	the	DET
framr-1733	72	2	quality	quality	NOUN
framr-1733	72	3	of	of	ADP
framr-1733	72	4	assets	asset	NOUN
framr-1733	72	5	possessed	possess	VERB
framr-1733	72	6	by	by	ADP
framr-1733	72	7	bank	bank	NOUN
framr-1733	72	8	determines	determine	VERB
framr-1733	72	9	its	its	PRON
framr-1733	72	10	financial	financial	ADJ
framr-1733	72	11	strength	strength	NOUN
framr-1733	72	12	.	.	PUNCT
framr-1733	73	1	the	the	DET
framr-1733	73	2	principal	principal	ADJ
framr-1733	73	3	objective	objective	NOUN
framr-1733	73	4	to	to	PART
framr-1733	73	5	evaluate	evaluate	VERB
framr-1733	73	6	the	the	DET
framr-1733	73	7	quality	quality	NOUN
framr-1733	73	8	of	of	ADP
framr-1733	73	9	assets	asset	NOUN
framr-1733	73	10	is	be	AUX
framr-1733	73	11	to	to	PART
framr-1733	73	12	determine	determine	VERB
framr-1733	73	13	the	the	DET
framr-1733	73	14	composition	composition	NOUN
framr-1733	73	15	of	of	ADP
framr-1733	73	16	non	non	ADJ
framr-1733	73	17	-	-	ADJ
framr-1733	73	18	performing	perform	VERB
framr-1733	73	19	assets	asset	NOUN
framr-1733	73	20	(	(	PUNCT
framr-1733	73	21	npas	npas	PROPN
framr-1733	73	22	)	)	PUNCT
framr-1733	73	23	as	as	ADP
framr-1733	73	24	a	a	DET
framr-1733	73	25	percentage	percentage	NOUN
framr-1733	73	26	of	of	ADP
framr-1733	73	27	the	the	DET
framr-1733	73	28	total	total	ADJ
framr-1733	73	29	assets	asset	NOUN
framr-1733	73	30	.	.	PUNCT
framr-1733	74	1	baral	baral	ADJ
framr-1733	74	2	(	(	PUNCT
framr-1733	74	3	2005	2005	NUM
framr-1733	74	4	)	)	PUNCT
framr-1733	74	5	suggested	suggest	VERB
framr-1733	74	6	that	that	SCONJ
framr-1733	74	7	credit	credit	NOUN
framr-1733	74	8	risk	risk	NOUN
framr-1733	74	9	in	in	ADP
framr-1733	74	10	the	the	DET
framr-1733	74	11	form	form	NOUN
framr-1733	74	12	of	of	ADP
framr-1733	74	13	npas	npas	NOUN
framr-1733	74	14	is	be	AUX
framr-1733	74	15	one	one	NUM
framr-1733	74	16	of	of	ADP
framr-1733	74	17	the	the	DET
framr-1733	74	18	crucial	crucial	ADJ
framr-1733	74	19	factors	factor	NOUN
framr-1733	74	20	that	that	PRON
framr-1733	74	21	have	have	VERB
framr-1733	74	22	an	an	DET
framr-1733	74	23	impact	impact	NOUN
framr-1733	74	24	on	on	ADP
framr-1733	74	25	the	the	DET
framr-1733	74	26	financial	financial	ADJ
framr-1733	74	27	health	health	NOUN
framr-1733	74	28	of	of	ADP
framr-1733	74	29	a	a	DET
framr-1733	74	30	bank	bank	NOUN
framr-1733	74	31	.	.	PUNCT
framr-1733	75	1	the	the	DET
framr-1733	75	2	extent	extent	NOUN
framr-1733	75	3	of	of	ADP
framr-1733	75	4	the	the	DET
framr-1733	75	5	credit	credit	NOUN
framr-1733	75	6	risk	risk	NOUN
framr-1733	75	7	depends	depend	VERB
framr-1733	75	8	on	on	ADP
framr-1733	75	9	the	the	DET
framr-1733	75	10	quality	quality	NOUN
framr-1733	75	11	of	of	ADP
framr-1733	75	12	assets	asset	NOUN
framr-1733	75	13	possessed	possess	VERB
framr-1733	75	14	by	by	ADP
framr-1733	75	15	a	a	DET
framr-1733	75	16	bank	bank	NOUN
framr-1733	75	17	.	.	PUNCT
framr-1733	76	1	sangmi	sangmi	PROPN
framr-1733	76	2	and	and	CCONJ
framr-1733	76	3	nazir	nazir	PROPN
framr-1733	76	4	(	(	PUNCT
framr-1733	76	5	2010	2010	NUM
framr-1733	76	6	)	)	PUNCT
framr-1733	76	7	stated	state	VERB
framr-1733	76	8	that	that	SCONJ
framr-1733	76	9	having	have	VERB
framr-1733	76	10	a	a	DET
framr-1733	76	11	low	low	ADJ
framr-1733	76	12	level	level	NOUN
framr-1733	76	13	of	of	ADP
framr-1733	76	14	non	non	ADJ
framr-1733	76	15	-	-	ADJ
framr-1733	76	16	performing	perform	VERB
framr-1733	76	17	assets	asset	NOUN
framr-1733	76	18	reflects	reflect	VERB
framr-1733	76	19	the	the	DET
framr-1733	76	20	profitability	profitability	NOUN
framr-1733	76	21	of	of	ADP
framr-1733	76	22	the	the	DET
framr-1733	76	23	bank	bank	NOUN
framr-1733	76	24	and	and	CCONJ
framr-1733	76	25	its	its	PRON
framr-1733	76	26	credit	credit	NOUN
framr-1733	76	27	rating	rating	NOUN
framr-1733	76	28	.	.	PUNCT
framr-1733	77	1	the	the	DET
framr-1733	77	2	assets	asset	NOUN
framr-1733	77	3	quality	quality	NOUN
framr-1733	77	4	of	of	ADP
framr-1733	77	5	a	a	DET
framr-1733	77	6	bank	bank	NOUN
framr-1733	77	7	is	be	AUX
framr-1733	77	8	measured	measure	VERB
framr-1733	77	9	by	by	ADP
framr-1733	77	10	the	the	DET
framr-1733	77	11	percentage	percentage	NOUN
framr-1733	77	12	of	of	ADP
framr-1733	77	13	net	net	ADJ
framr-1733	77	14	non	non	ADJ
framr-1733	77	15	-	-	ADJ
framr-1733	77	16	performing	perform	VERB
framr-1733	77	17	assets	asset	NOUN
framr-1733	77	18	to	to	ADP
framr-1733	77	19	net	net	ADJ
framr-1733	77	20	advances	advance	NOUN
framr-1733	77	21	.	.	PUNCT
framr-1733	78	1	net	net	ADJ
framr-1733	78	2	npas	npa	NOUN
framr-1733	78	3	are	be	AUX
framr-1733	78	4	calculated	calculate	VERB
framr-1733	78	5	by	by	ADP
framr-1733	78	6	deducting	deduct	VERB
framr-1733	78	7	net	net	NOUN
framr-1733	78	8	of	of	ADP
framr-1733	78	9	provisions	provision	NOUN
framr-1733	78	10	on	on	ADP
framr-1733	78	11	nonperforming	nonperforme	VERB
framr-1733	78	12	assets	asset	NOUN
framr-1733	78	13	from	from	ADP
framr-1733	78	14	gross	gross	ADJ
framr-1733	78	15	npas	npas	PROPN
framr-1733	78	16	.	.	PUNCT
framr-1733	79	1	rajender	rajender	ADV
framr-1733	79	2	(	(	PUNCT
framr-1733	79	3	2009	2009	NUM
framr-1733	79	4	)	)	PUNCT
framr-1733	79	5	argued	argue	VERB
framr-1733	79	6	that	that	SCONJ
framr-1733	79	7	the	the	DET
framr-1733	79	8	concern	concern	NOUN
framr-1733	79	9	of	of	ADP
framr-1733	79	10	growing	grow	VERB
framr-1733	79	11	npas	npas	PROPN
framr-1733	79	12	is	be	AUX
framr-1733	79	13	a	a	DET
framr-1733	79	14	challenge	challenge	NOUN
framr-1733	79	15	to	to	ADP
framr-1733	79	16	banks	bank	NOUN
framr-1733	79	17	,	,	PUNCT
framr-1733	79	18	which	which	PRON
framr-1733	79	19	will	will	AUX
framr-1733	79	20	adversely	adversely	ADV
framr-1733	79	21	affect	affect	VERB
framr-1733	79	22	the	the	DET
framr-1733	79	23	performance	performance	NOUN
framr-1733	79	24	of	of	ADP
framr-1733	79	25	banks	bank	NOUN
framr-1733	79	26	.	.	PUNCT
framr-1733	80	1	the	the	DET
framr-1733	80	2	provision	provision	NOUN
framr-1733	80	3	for	for	ADP
framr-1733	80	4	credit	credit	NOUN
framr-1733	80	5	loss	loss	NOUN
framr-1733	80	6	to	to	ADP
framr-1733	80	7	total	total	ADJ
framr-1733	80	8	assets	asset	NOUN
framr-1733	80	9	shows	show	VERB
framr-1733	80	10	the	the	DET
framr-1733	80	11	size	size	NOUN
framr-1733	80	12	of	of	ADP
framr-1733	80	13	troubled	troubled	ADJ
framr-1733	80	14	loans	loan	NOUN
framr-1733	80	15	the	the	DET
framr-1733	80	16	bank	bank	NOUN
framr-1733	80	17	has	have	VERB
framr-1733	80	18	,	,	PUNCT
framr-1733	80	19	having	have	VERB
framr-1733	80	20	a	a	DET
framr-1733	80	21	higher	high	ADJ
framr-1733	80	22	ratio	ratio	NOUN
framr-1733	80	23	would	would	AUX
framr-1733	80	24	not	not	PART
framr-1733	80	25	only	only	ADV
framr-1733	80	26	effect	effect	VERB
framr-1733	80	27	the	the	DET
framr-1733	80	28	performance	performance	NOUN
framr-1733	80	29	of	of	ADP
framr-1733	80	30	the	the	DET
framr-1733	80	31	bank	bank	NOUN
framr-1733	80	32	but	but	CCONJ
framr-1733	80	33	also	also	ADV
framr-1733	80	34	its	its	PRON
framr-1733	80	35	credit	credit	NOUN
framr-1733	80	36	rating	rating	NOUN
framr-1733	80	37	.	.	PUNCT
framr-1733	81	1	provision	provision	NOUN
framr-1733	81	2	on	on	ADP
framr-1733	81	3	npas	npas	NOUN
framr-1733	81	4	to	to	ADP
framr-1733	81	5	npas	npas	PROPN
framr-1733	81	6	shows	show	VERB
framr-1733	81	7	the	the	DET
framr-1733	81	8	amount	amount	NOUN
framr-1733	81	9	of	of	ADP
framr-1733	81	10	funds	fund	NOUN
framr-1733	81	11	the	the	DET
framr-1733	81	12	bank	bank	NOUN
framr-1733	81	13	reserved	reserve	VERB
framr-1733	81	14	against	against	ADP
framr-1733	81	15	any	any	DET
framr-1733	81	16	npa	npa	NOUN
framr-1733	81	17	default	default	NOUN
framr-1733	81	18	.	.	PUNCT
framr-1733	82	1	this	this	DET
framr-1733	82	2	ratio	ratio	NOUN
framr-1733	82	3	should	should	AUX
framr-1733	82	4	,	,	PUNCT
framr-1733	82	5	in	in	ADP
framr-1733	82	6	its	its	PRON
framr-1733	82	7	worst	bad	ADJ
framr-1733	82	8	case	case	NOUN
framr-1733	82	9	scenario	scenario	NOUN
framr-1733	82	10	,	,	PUNCT
framr-1733	82	11	be	be	AUX
framr-1733	82	12	100	100	NUM
framr-1733	82	13	%	%	NOUN
framr-1733	82	14	meaning	meaning	NOUN
framr-1733	82	15	that	that	SCONJ
framr-1733	82	16	the	the	DET
framr-1733	82	17	bank	bank	NOUN
framr-1733	82	18	is	be	AUX
framr-1733	82	19	expecting	expect	VERB
framr-1733	82	20	all	all	DET
framr-1733	82	21	npas	npa	NOUN
framr-1733	82	22	to	to	ADP
framr-1733	82	23	default	default	NOUN
framr-1733	82	24	.	.	PUNCT
framr-1733	83	1	having	have	VERB
framr-1733	83	2	a	a	DET
framr-1733	83	3	ratio	ratio	NOUN
framr-1733	83	4	that	that	PRON
framr-1733	83	5	is	be	AUX
framr-1733	83	6	above	above	ADP
framr-1733	83	7	100	100	NUM
framr-1733	83	8	%	%	NOUN
framr-1733	83	9	would	would	AUX
framr-1733	83	10	indicate	indicate	VERB
framr-1733	83	11	that	that	SCONJ
framr-1733	83	12	the	the	DET
framr-1733	83	13	bank	bank	NOUN
framr-1733	83	14	is	be	AUX
framr-1733	83	15	expecting	expect	VERB
framr-1733	83	16	more	more	ADJ
framr-1733	83	17	npas	npas	NOUN
framr-1733	83	18	to	to	PART
framr-1733	83	19	come	come	VERB
framr-1733	83	20	and	and	CCONJ
framr-1733	83	21	is	be	AUX
framr-1733	83	22	building	build	VERB
framr-1733	83	23	reserves	reserve	NOUN
framr-1733	83	24	for	for	ADP
framr-1733	83	25	it	it	PRON
framr-1733	83	26	.	.	PUNCT
framr-1733	84	1	taking	take	VERB
framr-1733	84	2	a	a	DET
framr-1733	84	3	provision	provision	NOUN
framr-1733	84	4	above	above	ADP
framr-1733	84	5	100	100	NUM
framr-1733	84	6	%	%	NOUN
framr-1733	84	7	is	be	AUX
framr-1733	84	8	an	an	DET
framr-1733	84	9	indication	indication	NOUN
framr-1733	84	10	of	of	ADP
framr-1733	84	11	poor	poor	ADJ
framr-1733	84	12	assets	asset	NOUN
framr-1733	84	13	quality	quality	NOUN
framr-1733	84	14	.	.	PUNCT
framr-1733	85	1	change	change	NOUN
framr-1733	85	2	in	in	ADP
framr-1733	85	3	npas	npa	NOUN
framr-1733	85	4	indicates	indicate	VERB
framr-1733	85	5	the	the	DET
framr-1733	85	6	way	way	NOUN
framr-1733	85	7	a	a	DET
framr-1733	85	8	bank	bank	NOUN
framr-1733	85	9	deals	deal	VERB
framr-1733	85	10	with	with	ADP
framr-1733	85	11	npas	npas	NOUN
framr-1733	85	12	,	,	PUNCT
framr-1733	85	13	having	have	VERB
framr-1733	85	14	a	a	DET
framr-1733	85	15	declining	decline	VERB
framr-1733	85	16	changes	change	NOUN
framr-1733	85	17	would	would	AUX
framr-1733	85	18	indicate	indicate	VERB
framr-1733	85	19	that	that	SCONJ
framr-1733	85	20	the	the	DET
framr-1733	85	21	bank	bank	NOUN
framr-1733	85	22	is	be	AUX
framr-1733	85	23	working	work	VERB
framr-1733	85	24	in	in	ADP
framr-1733	85	25	improving	improve	VERB
framr-1733	85	26	the	the	DET
framr-1733	85	27	quality	quality	NOUN
framr-1733	85	28	of	of	ADP
framr-1733	85	29	its	its	PRON
framr-1733	85	30	assets	asset	NOUN
framr-1733	85	31	and	and	CCONJ
framr-1733	85	32	vice	vice	NOUN
framr-1733	85	33	-	-	PUNCT
framr-1733	85	34	a	a	DET
framr-1733	85	35	-	-	PUNCT
framr-1733	85	36	versa	versa	NOUN
framr-1733	85	37	.	.	PUNCT
framr-1733	86	1	table-2	table-2	NUM
framr-1733	86	2	.	.	PUNCT
framr-1733	86	3	assets	asset	NOUN
framr-1733	86	4	quality	quality	NOUN
framr-1733	86	5	rations	ration	NOUN
framr-1733	86	6	.	.	PUNCT
framr-1733	87	1	assets	asset	NOUN
framr-1733	87	2	quality	quality	PROPN
framr-1733	87	3	ratios	ratio	NOUN
framr-1733	87	4	net	net	PROPN
framr-1733	87	5	npa	npa	PROPN
framr-1733	87	6	’s	’s	X
framr-1733	87	7	to	to	ADP
framr-1733	87	8	net	net	ADJ
framr-1733	87	9	loans	loan	NOUN
framr-1733	87	10	and	and	CCONJ
framr-1733	87	11	advances	advance	NOUN
framr-1733	87	12	ratio	ratio	NOUN
framr-1733	87	13	provision	provision	NOUN
framr-1733	87	14	for	for	ADP
framr-1733	87	15	credit	credit	NOUN
framr-1733	87	16	loss	loss	NOUN
framr-1733	87	17	to	to	ADP
framr-1733	87	18	total	total	ADJ
framr-1733	87	19	assets	asset	NOUN
framr-1733	87	20	provision	provision	NOUN
framr-1733	87	21	on	on	ADP
framr-1733	87	22	npa	npa	PROPN
framr-1733	87	23	to	to	ADP
framr-1733	87	24	npa	npa	NOUN
framr-1733	87	25	change	change	NOUN
framr-1733	87	26	in	in	ADP
framr-1733	87	27	npa	npa	NOUN
framr-1733	87	28	financial	financial	ADJ
framr-1733	87	29	risk	risk	NOUN
framr-1733	87	30	and	and	CCONJ
framr-1733	87	31	management	management	NOUN
framr-1733	87	32	reviews	review	NOUN
framr-1733	87	33	,	,	PUNCT
framr-1733	87	34	2019	2019	NUM
framr-1733	87	35	,	,	PUNCT
framr-1733	87	36	5(1	5(1	NUM
framr-1733	87	37	):	):	PUNCT
framr-1733	87	38	55	55	NUM
framr-1733	87	39	-	-	SYM
framr-1733	87	40	69	69	NUM
framr-1733	87	41	58	58	NUM
framr-1733	87	42	©	©	PROPN
framr-1733	87	43	2019	2019	NUM
framr-1733	87	44	conscientia	conscientia	PROPN
framr-1733	87	45	beam	beam	PROPN
framr-1733	87	46	.	.	PUNCT
framr-1733	88	1	all	all	DET
framr-1733	88	2	rights	right	NOUN
framr-1733	88	3	reserved	reserve	VERB
framr-1733	88	4	.	.	PUNCT
framr-1733	89	1	management	management	NOUN
framr-1733	89	2	efficiency	efficiency	NOUN
framr-1733	89	3	measures	measure	VERB
framr-1733	89	4	the	the	DET
framr-1733	89	5	ability	ability	NOUN
framr-1733	89	6	of	of	ADP
framr-1733	89	7	the	the	DET
framr-1733	89	8	board	board	NOUN
framr-1733	89	9	of	of	ADP
framr-1733	89	10	directors	director	NOUN
framr-1733	89	11	and	and	CCONJ
framr-1733	89	12	senior	senior	ADJ
framr-1733	89	13	management	management	NOUN
framr-1733	89	14	to	to	PART
framr-1733	89	15	identify	identify	VERB
framr-1733	89	16	,	,	PUNCT
framr-1733	89	17	measure	measure	NOUN
framr-1733	89	18	,	,	PUNCT
framr-1733	89	19	monitor	monitor	NOUN
framr-1733	89	20	,	,	PUNCT
framr-1733	89	21	and	and	CCONJ
framr-1733	89	22	control	control	VERB
framr-1733	89	23	the	the	DET
framr-1733	89	24	risks	risk	NOUN
framr-1733	89	25	and	and	CCONJ
framr-1733	89	26	challenges	challenge	NOUN
framr-1733	89	27	that	that	PRON
framr-1733	89	28	might	might	AUX
framr-1733	89	29	face	face	VERB
framr-1733	89	30	the	the	DET
framr-1733	89	31	bank	bank	NOUN
framr-1733	89	32	.	.	PUNCT
framr-1733	90	1	they	they	PRON
framr-1733	90	2	take	take	VERB
framr-1733	90	3	crucial	crucial	ADJ
framr-1733	90	4	decisions	decision	NOUN
framr-1733	90	5	in	in	ADP
framr-1733	90	6	lights	light	NOUN
framr-1733	90	7	of	of	ADP
framr-1733	90	8	the	the	DET
framr-1733	90	9	current	current	ADJ
framr-1733	90	10	and	and	CCONJ
framr-1733	90	11	future	future	ADJ
framr-1733	90	12	market	market	NOUN
framr-1733	90	13	conditions	condition	NOUN
framr-1733	90	14	in	in	ADP
framr-1733	90	15	order	order	NOUN
framr-1733	90	16	to	to	PART
framr-1733	90	17	minimize	minimize	VERB
framr-1733	90	18	the	the	DET
framr-1733	90	19	risk	risk	NOUN
framr-1733	90	20	and	and	CCONJ
framr-1733	90	21	maximize	maximize	VERB
framr-1733	90	22	the	the	DET
framr-1733	90	23	returns	return	NOUN
framr-1733	90	24	for	for	ADP
framr-1733	90	25	the	the	DET
framr-1733	90	26	bank	bank	NOUN
framr-1733	90	27	.	.	PUNCT
framr-1733	91	1	measuring	measure	VERB
framr-1733	91	2	the	the	DET
framr-1733	91	3	efficiency	efficiency	NOUN
framr-1733	91	4	of	of	ADP
framr-1733	91	5	the	the	DET
framr-1733	91	6	bank	bank	NOUN
framr-1733	91	7	’s	’s	PART
framr-1733	91	8	management	management	NOUN
framr-1733	91	9	is	be	AUX
framr-1733	91	10	a	a	DET
framr-1733	91	11	difficult	difficult	ADJ
framr-1733	91	12	task	task	NOUN
framr-1733	91	13	since	since	SCONJ
framr-1733	91	14	it	it	PRON
framr-1733	91	15	is	be	AUX
framr-1733	91	16	not	not	PART
framr-1733	91	17	a	a	DET
framr-1733	91	18	quantitative	quantitative	ADJ
framr-1733	91	19	measure	measure	NOUN
framr-1733	91	20	.	.	PUNCT
framr-1733	92	1	management	management	NOUN
framr-1733	92	2	efficiency	efficiency	NOUN
framr-1733	92	3	is	be	AUX
framr-1733	92	4	often	often	ADV
framr-1733	92	5	expressed	express	VERB
framr-1733	92	6	qualitatively	qualitatively	ADV
framr-1733	92	7	through	through	ADP
framr-1733	92	8	subjective	subjective	ADJ
framr-1733	92	9	evaluation	evaluation	NOUN
framr-1733	92	10	of	of	ADP
framr-1733	92	11	management	management	NOUN
framr-1733	92	12	discipline	discipline	NOUN
framr-1733	92	13	to	to	ADP
framr-1733	92	14	standards	standard	NOUN
framr-1733	92	15	and	and	CCONJ
framr-1733	92	16	policies	policy	NOUN
framr-1733	92	17	,	,	PUNCT
framr-1733	92	18	capability	capability	NOUN
framr-1733	92	19	to	to	PART
framr-1733	92	20	plan	plan	VERB
framr-1733	92	21	and	and	CCONJ
framr-1733	92	22	be	be	AUX
framr-1733	92	23	anticipatory	anticipatory	ADJ
framr-1733	92	24	,	,	PUNCT
framr-1733	92	25	control	control	NOUN
framr-1733	92	26	systems	system	NOUN
framr-1733	92	27	,	,	PUNCT
framr-1733	92	28	innovation	innovation	NOUN
framr-1733	92	29	,	,	PUNCT
framr-1733	92	30	and	and	CCONJ
framr-1733	92	31	quality	quality	NOUN
framr-1733	92	32	of	of	ADP
framr-1733	92	33	staff	staff	NOUN
framr-1733	92	34	(	(	PUNCT
framr-1733	92	35	sangmi	sangmi	NOUN
framr-1733	92	36	and	and	CCONJ
framr-1733	92	37	nazir	nazir	PROPN
framr-1733	92	38	,	,	PUNCT
framr-1733	92	39	2010	2010	NUM
framr-1733	92	40	)	)	PUNCT
framr-1733	92	41	.	.	PUNCT
framr-1733	93	1	measures	measure	NOUN
framr-1733	93	2	that	that	PRON
framr-1733	93	3	are	be	AUX
framr-1733	93	4	used	use	VERB
framr-1733	93	5	in	in	ADP
framr-1733	93	6	measuring	measure	VERB
framr-1733	93	7	management	management	NOUN
framr-1733	93	8	quality	quality	NOUN
framr-1733	93	9	are	be	AUX
framr-1733	93	10	listed	list	VERB
framr-1733	93	11	in	in	ADP
framr-1733	93	12	table	table	NOUN
framr-1733	93	13	3	3	NUM
framr-1733	93	14	.	.	PUNCT
framr-1733	94	1	keeping	keep	VERB
framr-1733	94	2	the	the	DET
framr-1733	94	3	expenditure	expenditure	NOUN
framr-1733	94	4	down	down	ADP
framr-1733	94	5	and	and	CCONJ
framr-1733	94	6	earnings	earning	NOUN
framr-1733	94	7	up	up	ADP
framr-1733	94	8	is	be	AUX
framr-1733	94	9	one	one	NUM
framr-1733	94	10	of	of	ADP
framr-1733	94	11	the	the	DET
framr-1733	94	12	main	main	ADJ
framr-1733	94	13	and	and	CCONJ
framr-1733	94	14	most	most	ADV
framr-1733	94	15	difficult	difficult	ADJ
framr-1733	94	16	tasks	task	NOUN
framr-1733	94	17	managers	manager	NOUN
framr-1733	94	18	face	face	VERB
framr-1733	94	19	.	.	PUNCT
framr-1733	95	1	the	the	DET
framr-1733	95	2	aim	aim	NOUN
framr-1733	95	3	of	of	ADP
framr-1733	95	4	a	a	DET
framr-1733	95	5	bank	bank	NOUN
framr-1733	95	6	’s	’s	PART
framr-1733	95	7	manager	manager	NOUN
framr-1733	95	8	is	be	AUX
framr-1733	95	9	to	to	PART
framr-1733	95	10	increase	increase	VERB
framr-1733	95	11	earnings	earning	NOUN
framr-1733	95	12	and	and	CCONJ
framr-1733	95	13	reduce	reduce	VERB
framr-1733	95	14	expenditure	expenditure	NOUN
framr-1733	95	15	and	and	CCONJ
framr-1733	95	16	for	for	ADP
framr-1733	95	17	that	that	DET
framr-1733	95	18	expenditure	expenditure	NOUN
framr-1733	95	19	to	to	ADP
framr-1733	95	20	total	total	ADJ
framr-1733	95	21	income	income	NOUN
framr-1733	95	22	ratio	ratio	NOUN
framr-1733	95	23	measures	measure	NOUN
framr-1733	95	24	how	how	SCONJ
framr-1733	95	25	successful	successful	ADJ
framr-1733	95	26	a	a	DET
framr-1733	95	27	manager	manager	NOUN
framr-1733	95	28	in	in	ADP
framr-1733	95	29	doing	do	VERB
framr-1733	95	30	so	so	ADV
framr-1733	95	31	.	.	PUNCT
framr-1733	96	1	having	have	VERB
framr-1733	96	2	a	a	DET
framr-1733	96	3	low	low	ADJ
framr-1733	96	4	ratio	ratio	NOUN
framr-1733	96	5	would	would	AUX
framr-1733	96	6	indicate	indicate	VERB
framr-1733	96	7	management	management	NOUN
framr-1733	96	8	inefficiency	inefficiency	NOUN
framr-1733	96	9	of	of	ADP
framr-1733	96	10	the	the	DET
framr-1733	96	11	bank	bank	NOUN
framr-1733	96	12	.	.	PUNCT
framr-1733	97	1	providing	provide	VERB
framr-1733	97	2	loans	loan	NOUN
framr-1733	97	3	is	be	AUX
framr-1733	97	4	the	the	DET
framr-1733	97	5	core	core	NOUN
framr-1733	97	6	business	business	NOUN
framr-1733	97	7	of	of	ADP
framr-1733	97	8	any	any	DET
framr-1733	97	9	bank	bank	NOUN
framr-1733	97	10	,	,	PUNCT
framr-1733	97	11	utilizing	utilize	VERB
framr-1733	97	12	the	the	DET
framr-1733	97	13	most	most	ADJ
framr-1733	97	14	of	of	ADP
framr-1733	97	15	customer	customer	NOUN
framr-1733	97	16	’s	’s	PART
framr-1733	97	17	deposits	deposit	NOUN
framr-1733	97	18	in	in	ADP
framr-1733	97	19	providing	provide	VERB
framr-1733	97	20	loans	loan	NOUN
framr-1733	97	21	is	be	AUX
framr-1733	97	22	a	a	DET
framr-1733	97	23	good	good	ADJ
framr-1733	97	24	indicator	indicator	NOUN
framr-1733	97	25	of	of	ADP
framr-1733	97	26	how	how	SCONJ
framr-1733	97	27	efficient	efficient	ADJ
framr-1733	97	28	the	the	DET
framr-1733	97	29	bank	bank	NOUN
framr-1733	97	30	managers	manager	NOUN
framr-1733	97	31	are	be	AUX
framr-1733	97	32	.	.	PUNCT
framr-1733	98	1	shollapur	shollapur	NOUN
framr-1733	98	2	and	and	CCONJ
framr-1733	98	3	baligatti	baligatti	PROPN
framr-1733	98	4	(	(	PUNCT
framr-1733	98	5	2010	2010	NUM
framr-1733	98	6	)	)	PUNCT
framr-1733	98	7	argued	argue	VERB
framr-1733	98	8	that	that	SCONJ
framr-1733	98	9	the	the	DET
framr-1733	98	10	major	major	ADJ
framr-1733	98	11	contributor	contributor	NOUN
framr-1733	98	12	for	for	ADP
framr-1733	98	13	the	the	DET
framr-1733	98	14	bank	bank	NOUN
framr-1733	98	15	’s	’s	PART
framr-1733	98	16	income	income	NOUN
framr-1733	98	17	should	should	AUX
framr-1733	98	18	be	be	AUX
framr-1733	98	19	returns	return	NOUN
framr-1733	98	20	on	on	ADP
framr-1733	98	21	loans	loan	NOUN
framr-1733	98	22	since	since	SCONJ
framr-1733	98	23	it	it	PRON
framr-1733	98	24	is	be	AUX
framr-1733	98	25	the	the	DET
framr-1733	98	26	main	main	ADJ
framr-1733	98	27	business	business	NOUN
framr-1733	98	28	of	of	ADP
framr-1733	98	29	the	the	DET
framr-1733	98	30	bank	bank	NOUN
framr-1733	98	31	.	.	PUNCT
framr-1733	99	1	although	although	SCONJ
framr-1733	99	2	providing	provide	VERB
framr-1733	99	3	loans	loan	NOUN
framr-1733	99	4	is	be	AUX
framr-1733	99	5	essential	essential	ADJ
framr-1733	99	6	for	for	ADP
framr-1733	99	7	any	any	DET
framr-1733	99	8	bank	bank	NOUN
framr-1733	99	9	,	,	PUNCT
framr-1733	99	10	the	the	DET
framr-1733	99	11	bottom	bottom	ADJ
framr-1733	99	12	line	line	NOUN
framr-1733	99	13	for	for	ADP
framr-1733	99	14	any	any	DET
framr-1733	99	15	bank	bank	NOUN
framr-1733	99	16	is	be	AUX
framr-1733	99	17	profitability	profitability	NOUN
framr-1733	99	18	.	.	PUNCT
framr-1733	100	1	generating	generate	VERB
framr-1733	100	2	the	the	DET
framr-1733	100	3	most	most	ADJ
framr-1733	100	4	profit	profit	NOUN
framr-1733	100	5	from	from	ADP
framr-1733	100	6	the	the	DET
framr-1733	100	7	loans	loan	NOUN
framr-1733	100	8	a	a	DET
framr-1733	100	9	bank	bank	NOUN
framr-1733	100	10	offers	offer	NOUN
framr-1733	100	11	would	would	AUX
framr-1733	100	12	give	give	VERB
framr-1733	100	13	an	an	DET
framr-1733	100	14	indication	indication	NOUN
framr-1733	100	15	of	of	ADP
framr-1733	100	16	the	the	DET
framr-1733	100	17	bank	bank	NOUN
framr-1733	100	18	’s	’s	PART
framr-1733	100	19	management	management	NOUN
framr-1733	100	20	efficiency	efficiency	NOUN
framr-1733	100	21	.	.	PUNCT
framr-1733	101	1	while	while	SCONJ
framr-1733	101	2	many	many	ADJ
framr-1733	101	3	studies	study	NOUN
framr-1733	101	4	used	use	VERB
framr-1733	101	5	business	business	NOUN
framr-1733	101	6	per	per	ADP
framr-1733	101	7	employee	employee	NOUN
framr-1733	101	8	and	and	CCONJ
framr-1733	101	9	profit	profit	NOUN
framr-1733	101	10	per	per	ADP
framr-1733	101	11	employee	employee	NOUN
framr-1733	101	12	as	as	ADP
framr-1733	101	13	a	a	DET
framr-1733	101	14	measurement	measurement	NOUN
framr-1733	101	15	for	for	ADP
framr-1733	101	16	management	management	NOUN
framr-1733	101	17	efficiency	efficiency	NOUN
framr-1733	101	18	,	,	PUNCT
framr-1733	101	19	this	this	DET
framr-1733	101	20	study	study	NOUN
framr-1733	101	21	used	use	VERB
framr-1733	101	22	profit	profit	NOUN
framr-1733	101	23	margin	margin	NOUN
framr-1733	101	24	per	per	ADP
framr-1733	101	25	employee	employee	NOUN
framr-1733	101	26	to	to	PART
framr-1733	101	27	measure	measure	VERB
framr-1733	101	28	the	the	DET
framr-1733	101	29	management	management	NOUN
framr-1733	101	30	efficiency	efficiency	NOUN
framr-1733	101	31	.	.	PUNCT
framr-1733	102	1	the	the	DET
framr-1733	102	2	use	use	NOUN
framr-1733	102	3	of	of	ADP
framr-1733	102	4	business	business	NOUN
framr-1733	102	5	per	per	ADP
framr-1733	102	6	employee	employee	NOUN
framr-1733	102	7	as	as	ADP
framr-1733	102	8	a	a	DET
framr-1733	102	9	measure	measure	NOUN
framr-1733	102	10	of	of	ADP
framr-1733	102	11	management	management	NOUN
framr-1733	102	12	efficiency	efficiency	NOUN
framr-1733	102	13	is	be	AUX
framr-1733	102	14	not	not	PART
framr-1733	102	15	quite	quite	ADV
framr-1733	102	16	correct	correct	ADJ
framr-1733	102	17	since	since	SCONJ
framr-1733	102	18	having	have	VERB
framr-1733	102	19	high	high	ADJ
framr-1733	102	20	number	number	NOUN
framr-1733	102	21	of	of	ADP
framr-1733	102	22	business	business	NOUN
framr-1733	102	23	does	do	AUX
framr-1733	102	24	not	not	PART
framr-1733	102	25	necessary	necessary	ADJ
framr-1733	102	26	means	mean	VERB
framr-1733	102	27	higher	high	ADJ
framr-1733	102	28	profits	profit	NOUN
framr-1733	102	29	,	,	PUNCT
framr-1733	102	30	and	and	CCONJ
framr-1733	102	31	the	the	DET
framr-1733	102	32	same	same	ADJ
framr-1733	102	33	thing	thing	NOUN
framr-1733	102	34	goes	go	VERB
framr-1733	102	35	to	to	ADP
framr-1733	102	36	profit	profit	VERB
framr-1733	102	37	per	per	ADP
framr-1733	102	38	employee	employee	NOUN
framr-1733	102	39	since	since	SCONJ
framr-1733	102	40	this	this	DET
framr-1733	102	41	ratio	ratio	NOUN
framr-1733	102	42	did	do	AUX
framr-1733	102	43	not	not	PART
framr-1733	102	44	take	take	VERB
framr-1733	102	45	the	the	DET
framr-1733	102	46	amount	amount	NOUN
framr-1733	102	47	of	of	ADP
framr-1733	102	48	business	business	NOUN
framr-1733	102	49	the	the	DET
framr-1733	102	50	employee	employee	NOUN
framr-1733	102	51	had	have	AUX
framr-1733	102	52	done	do	VERB
framr-1733	102	53	to	to	PART
framr-1733	102	54	generate	generate	VERB
framr-1733	102	55	that	that	DET
framr-1733	102	56	profit	profit	NOUN
framr-1733	102	57	.	.	PUNCT
framr-1733	103	1	as	as	ADP
framr-1733	103	2	a	a	DET
framr-1733	103	3	result	result	NOUN
framr-1733	103	4	profit	profit	NOUN
framr-1733	103	5	margin	margin	NOUN
framr-1733	103	6	per	per	ADP
framr-1733	103	7	employee	employee	NOUN
framr-1733	103	8	would	would	AUX
framr-1733	103	9	be	be	AUX
framr-1733	103	10	a	a	DET
framr-1733	103	11	more	more	ADV
framr-1733	103	12	appropriate	appropriate	ADJ
framr-1733	103	13	measure	measure	NOUN
framr-1733	103	14	for	for	ADP
framr-1733	103	15	management	management	NOUN
framr-1733	103	16	efficiency	efficiency	NOUN
framr-1733	103	17	.	.	PUNCT
framr-1733	104	1	having	have	VERB
framr-1733	104	2	higher	high	ADJ
framr-1733	104	3	profit	profit	NOUN
framr-1733	104	4	margin	margin	NOUN
framr-1733	104	5	per	per	ADP
framr-1733	104	6	employee	employee	NOUN
framr-1733	104	7	is	be	AUX
framr-1733	104	8	an	an	DET
framr-1733	104	9	indicator	indicator	NOUN
framr-1733	104	10	for	for	ADP
framr-1733	104	11	the	the	DET
framr-1733	104	12	bank	bank	NOUN
framr-1733	104	13	efficiency	efficiency	NOUN
framr-1733	104	14	,	,	PUNCT
framr-1733	104	15	where	where	SCONJ
framr-1733	104	16	good	good	ADJ
framr-1733	104	17	bank	bank	NOUN
framr-1733	104	18	managers	manager	NOUN
framr-1733	104	19	would	would	AUX
framr-1733	104	20	work	work	VERB
framr-1733	104	21	to	to	PART
framr-1733	104	22	increase	increase	VERB
framr-1733	104	23	that	that	DET
framr-1733	104	24	ratio	ratio	NOUN
framr-1733	104	25	.	.	PUNCT
framr-1733	105	1	table-3	table-3	NUM
framr-1733	105	2	.	.	PUNCT
framr-1733	105	3	management	management	NOUN
framr-1733	105	4	efficiency	efficiency	NOUN
framr-1733	105	5	ratios	ratio	NOUN
framr-1733	105	6	.	.	PUNCT
framr-1733	106	1	management	management	NOUN
framr-1733	106	2	efficiency	efficiency	NOUN
framr-1733	106	3	ratios	ratio	NOUN
framr-1733	106	4	expenditure	expenditure	VERB
framr-1733	106	5	to	to	ADP
framr-1733	106	6	income	income	NOUN
framr-1733	106	7	ratio	ratio	NOUN
framr-1733	106	8	loans	loan	NOUN
framr-1733	106	9	and	and	CCONJ
framr-1733	106	10	advances	advance	NOUN
framr-1733	106	11	to	to	PART
framr-1733	106	12	total	total	ADJ
framr-1733	106	13	deposits	deposit	NOUN
framr-1733	106	14	return	return	VERB
framr-1733	106	15	on	on	ADP
framr-1733	106	16	loans	loan	NOUN
framr-1733	106	17	and	and	CCONJ
framr-1733	106	18	advances	advance	NOUN
framr-1733	106	19	profit	profit	NOUN
framr-1733	106	20	margin	margin	NOUN
framr-1733	106	21	per	per	ADP
framr-1733	106	22	employee	employee	NOUN
framr-1733	106	23	the	the	DET
framr-1733	106	24	quality	quality	NOUN
framr-1733	106	25	of	of	ADP
framr-1733	106	26	earning	earning	NOUN
framr-1733	106	27	is	be	AUX
framr-1733	106	28	an	an	DET
framr-1733	106	29	important	important	ADJ
framr-1733	106	30	criterion	criterion	NOUN
framr-1733	106	31	in	in	ADP
framr-1733	106	32	determining	determine	VERB
framr-1733	106	33	the	the	DET
framr-1733	106	34	bank	bank	NOUN
framr-1733	106	35	’s	’s	PART
framr-1733	106	36	ability	ability	NOUN
framr-1733	106	37	to	to	PART
framr-1733	106	38	generate	generate	VERB
framr-1733	106	39	steady	steady	ADJ
framr-1733	106	40	earnings	earning	NOUN
framr-1733	106	41	that	that	PRON
framr-1733	106	42	are	be	AUX
framr-1733	106	43	ongoing	ongoing	ADJ
framr-1733	106	44	into	into	ADP
framr-1733	106	45	the	the	DET
framr-1733	106	46	future	future	NOUN
framr-1733	106	47	.	.	PUNCT
framr-1733	107	1	dechow	dechow	ADJ
framr-1733	107	2	and	and	CCONJ
framr-1733	107	3	schrand	schrand	NOUN
framr-1733	107	4	(	(	PUNCT
framr-1733	107	5	2004	2004	NUM
framr-1733	107	6	)	)	PUNCT
framr-1733	107	7	stated	state	VERB
framr-1733	107	8	that	that	SCONJ
framr-1733	107	9	earning	earn	VERB
framr-1733	107	10	quality	quality	NOUN
framr-1733	107	11	should	should	AUX
framr-1733	107	12	reflect	reflect	VERB
framr-1733	107	13	the	the	DET
framr-1733	107	14	firm	firm	NOUN
framr-1733	107	15	’s	’s	PART
framr-1733	107	16	current	current	ADJ
framr-1733	107	17	operating	operating	NOUN
framr-1733	107	18	performance	performance	NOUN
framr-1733	107	19	which	which	PRON
framr-1733	107	20	is	be	AUX
framr-1733	107	21	a	a	DET
framr-1733	107	22	good	good	ADJ
framr-1733	107	23	indicator	indicator	NOUN
framr-1733	107	24	of	of	ADP
framr-1733	107	25	future	future	ADJ
framr-1733	107	26	operating	operating	NOUN
framr-1733	107	27	performance	performance	NOUN
framr-1733	107	28	.	.	PUNCT
framr-1733	108	1	it	it	PRON
framr-1733	108	2	is	be	AUX
framr-1733	108	3	also	also	ADV
framr-1733	108	4	a	a	DET
framr-1733	108	5	good	good	ADJ
framr-1733	108	6	indicator	indicator	NOUN
framr-1733	108	7	of	of	ADP
framr-1733	108	8	the	the	DET
framr-1733	108	9	bank	bank	NOUN
framr-1733	108	10	’s	’s	PART
framr-1733	108	11	profitability	profitability	NOUN
framr-1733	108	12	since	since	SCONJ
framr-1733	108	13	it	it	PRON
framr-1733	108	14	is	be	AUX
framr-1733	108	15	the	the	DET
framr-1733	108	16	ultimate	ultimate	ADJ
framr-1733	108	17	goal	goal	NOUN
framr-1733	108	18	of	of	ADP
framr-1733	108	19	any	any	DET
framr-1733	108	20	bank	bank	NOUN
framr-1733	108	21	is	be	AUX
framr-1733	108	22	to	to	PART
framr-1733	108	23	generate	generate	VERB
framr-1733	108	24	profits	profit	NOUN
framr-1733	108	25	for	for	ADP
framr-1733	108	26	its	its	PRON
framr-1733	108	27	shareholders	shareholder	NOUN
framr-1733	108	28	.	.	PUNCT
framr-1733	109	1	earning	earn	VERB
framr-1733	109	2	quality	quality	NOUN
framr-1733	109	3	can	can	AUX
framr-1733	109	4	be	be	AUX
framr-1733	109	5	measured	measure	VERB
framr-1733	109	6	through	through	ADP
framr-1733	109	7	a	a	DET
framr-1733	109	8	number	number	NOUN
framr-1733	109	9	of	of	ADP
framr-1733	109	10	ratios	ratio	NOUN
framr-1733	109	11	.	.	PUNCT
framr-1733	110	1	table	table	NOUN
framr-1733	110	2	4	4	NUM
framr-1733	110	3	presents	present	VERB
framr-1733	110	4	the	the	DET
framr-1733	110	5	measuring	measure	VERB
framr-1733	110	6	ratios	ratio	NOUN
framr-1733	110	7	used	use	VERB
framr-1733	110	8	.	.	PUNCT
framr-1733	111	1	the	the	DET
framr-1733	111	2	interest	interest	NOUN
framr-1733	111	3	rate	rate	NOUN
framr-1733	111	4	margin	margin	NOUN
framr-1733	111	5	is	be	AUX
framr-1733	111	6	the	the	DET
framr-1733	111	7	difference	difference	NOUN
framr-1733	111	8	between	between	ADP
framr-1733	111	9	the	the	DET
framr-1733	111	10	interest	interest	NOUN
framr-1733	111	11	rate	rate	NOUN
framr-1733	111	12	the	the	DET
framr-1733	111	13	bank	bank	NOUN
framr-1733	111	14	charges	charge	VERB
framr-1733	111	15	the	the	DET
framr-1733	111	16	borrowers	borrower	NOUN
framr-1733	111	17	and	and	CCONJ
framr-1733	111	18	the	the	DET
framr-1733	111	19	interest	interest	NOUN
framr-1733	111	20	rate	rate	NOUN
framr-1733	111	21	they	they	PRON
framr-1733	111	22	pay	pay	VERB
framr-1733	111	23	for	for	ADP
framr-1733	111	24	the	the	DET
framr-1733	111	25	depositors	depositor	NOUN
framr-1733	111	26	,	,	PUNCT
framr-1733	111	27	having	have	VERB
framr-1733	111	28	a	a	DET
framr-1733	111	29	higher	high	ADJ
framr-1733	111	30	margin	margin	NOUN
framr-1733	111	31	would	would	AUX
framr-1733	111	32	mean	mean	VERB
framr-1733	111	33	that	that	SCONJ
framr-1733	111	34	the	the	DET
framr-1733	111	35	bank	bank	NOUN
framr-1733	111	36	is	be	AUX
framr-1733	111	37	making	make	VERB
framr-1733	111	38	more	more	ADJ
framr-1733	111	39	profit	profit	NOUN
framr-1733	111	40	from	from	ADP
framr-1733	111	41	loans	loan	NOUN
framr-1733	111	42	than	than	ADP
framr-1733	111	43	the	the	DET
framr-1733	111	44	bank	bank	NOUN
framr-1733	111	45	with	with	ADP
framr-1733	111	46	a	a	DET
framr-1733	111	47	lower	low	ADJ
framr-1733	111	48	margin	margin	NOUN
framr-1733	111	49	.	.	PUNCT
framr-1733	112	1	net	net	ADJ
framr-1733	112	2	profit	profit	NOUN
framr-1733	112	3	margin	margin	NOUN
framr-1733	112	4	is	be	AUX
framr-1733	112	5	another	another	DET
framr-1733	112	6	ratio	ratio	NOUN
framr-1733	112	7	that	that	PRON
framr-1733	112	8	shows	show	VERB
framr-1733	112	9	the	the	DET
framr-1733	112	10	quality	quality	NOUN
framr-1733	112	11	of	of	ADP
framr-1733	112	12	earnings	earning	NOUN
framr-1733	112	13	,	,	PUNCT
framr-1733	112	14	having	have	VERB
framr-1733	112	15	a	a	DET
framr-1733	112	16	higher	high	ADJ
framr-1733	112	17	ratio	ratio	NOUN
framr-1733	112	18	would	would	AUX
framr-1733	112	19	mean	mean	VERB
framr-1733	112	20	a	a	DET
framr-1733	112	21	better	well	ADV
framr-1733	112	22	earning	earn	VERB
framr-1733	112	23	quality	quality	NOUN
framr-1733	112	24	for	for	ADP
framr-1733	112	25	the	the	DET
framr-1733	112	26	bank	bank	NOUN
framr-1733	112	27	.	.	PUNCT
framr-1733	113	1	return	return	VERB
framr-1733	113	2	on	on	ADP
framr-1733	113	3	assets	asset	NOUN
framr-1733	113	4	(	(	PUNCT
framr-1733	113	5	roa	roa	NOUN
framr-1733	113	6	)	)	PUNCT
framr-1733	113	7	measures	measure	VERB
framr-1733	113	8	the	the	DET
framr-1733	113	9	net	net	ADJ
framr-1733	113	10	profit	profit	NOUN
framr-1733	113	11	of	of	ADP
framr-1733	113	12	the	the	DET
framr-1733	113	13	bank	bank	NOUN
framr-1733	113	14	as	as	ADP
framr-1733	113	15	a	a	DET
framr-1733	113	16	percentage	percentage	NOUN
framr-1733	113	17	of	of	ADP
framr-1733	113	18	its	its	PRON
framr-1733	113	19	assets	asset	NOUN
framr-1733	113	20	,	,	PUNCT
framr-1733	113	21	having	have	VERB
framr-1733	113	22	a	a	DET
framr-1733	113	23	higher	high	ADJ
framr-1733	113	24	ratio	ratio	NOUN
framr-1733	113	25	means	mean	VERB
framr-1733	113	26	that	that	SCONJ
framr-1733	113	27	the	the	DET
framr-1733	113	28	bank	bank	NOUN
framr-1733	113	29	’s	’s	PART
framr-1733	113	30	senior	senior	ADJ
framr-1733	113	31	management	management	NOUN
framr-1733	113	32	are	be	AUX
framr-1733	113	33	utilizing	utilize	VERB
framr-1733	113	34	the	the	DET
framr-1733	113	35	assets	asset	NOUN
framr-1733	113	36	that	that	PRON
framr-1733	113	37	they	they	PRON
framr-1733	113	38	have	have	VERB
framr-1733	113	39	in	in	ADP
framr-1733	113	40	the	the	DET
framr-1733	113	41	best	good	ADJ
framr-1733	113	42	possible	possible	ADJ
framr-1733	113	43	way	way	NOUN
framr-1733	113	44	.	.	PUNCT
framr-1733	114	1	return	return	VERB
framr-1733	114	2	on	on	ADP
framr-1733	114	3	equity	equity	NOUN
framr-1733	114	4	(	(	PUNCT
framr-1733	114	5	roe	roe	PROPN
framr-1733	114	6	)	)	PUNCT
framr-1733	114	7	shows	show	VERB
framr-1733	114	8	the	the	DET
framr-1733	114	9	efficiency	efficiency	NOUN
framr-1733	114	10	of	of	ADP
framr-1733	114	11	the	the	DET
framr-1733	114	12	bank	bank	NOUN
framr-1733	114	13	in	in	ADP
framr-1733	114	14	utilizing	utilize	VERB
framr-1733	114	15	its	its	PRON
framr-1733	114	16	own	own	ADJ
framr-1733	114	17	financial	financial	ADJ
framr-1733	114	18	risk	risk	NOUN
framr-1733	114	19	and	and	CCONJ
framr-1733	114	20	management	management	NOUN
framr-1733	114	21	reviews	review	NOUN
framr-1733	114	22	,	,	PUNCT
framr-1733	114	23	2019	2019	NUM
framr-1733	114	24	,	,	PUNCT
framr-1733	114	25	5(1	5(1	NUM
framr-1733	114	26	):	):	PUNCT
framr-1733	114	27	55	55	NUM
framr-1733	114	28	-	-	SYM
framr-1733	114	29	69	69	NUM
framr-1733	114	30	59	59	NUM
framr-1733	114	31	©	©	PROPN
framr-1733	114	32	2019	2019	NUM
framr-1733	114	33	conscientia	conscientia	PROPN
framr-1733	114	34	beam	beam	PROPN
framr-1733	114	35	.	.	PUNCT
framr-1733	115	1	all	all	DET
framr-1733	115	2	rights	right	NOUN
framr-1733	115	3	reserved	reserve	VERB
framr-1733	115	4	.	.	PUNCT
framr-1733	116	1	capital	capital	NOUN
framr-1733	116	2	in	in	ADP
framr-1733	116	3	an	an	DET
framr-1733	116	4	efficient	efficient	ADJ
framr-1733	116	5	manner	manner	NOUN
framr-1733	116	6	.	.	PUNCT
framr-1733	117	1	it	it	PRON
framr-1733	117	2	is	be	AUX
framr-1733	117	3	an	an	DET
framr-1733	117	4	important	important	ADJ
framr-1733	117	5	ratio	ratio	NOUN
framr-1733	117	6	that	that	DET
framr-1733	117	7	investor	investor	NOUN
framr-1733	117	8	look	look	VERB
framr-1733	117	9	at	at	ADP
framr-1733	117	10	,	,	PUNCT
framr-1733	117	11	this	this	DET
framr-1733	117	12	ratio	ratio	NOUN
framr-1733	117	13	measures	measure	VERB
framr-1733	117	14	the	the	DET
framr-1733	117	15	efficiency	efficiency	NOUN
framr-1733	117	16	of	of	ADP
framr-1733	117	17	the	the	DET
framr-1733	117	18	bank	bank	NOUN
framr-1733	117	19	in	in	ADP
framr-1733	117	20	getting	get	VERB
framr-1733	117	21	the	the	DET
framr-1733	117	22	most	most	ADJ
framr-1733	117	23	for	for	ADP
framr-1733	117	24	the	the	DET
framr-1733	117	25	investors	investor	NOUN
framr-1733	117	26	on	on	ADP
framr-1733	117	27	their	their	PRON
framr-1733	117	28	investment	investment	NOUN
framr-1733	117	29	in	in	ADP
framr-1733	117	30	the	the	DET
framr-1733	117	31	bank	bank	NOUN
framr-1733	117	32	’s	’s	PART
framr-1733	117	33	stock	stock	NOUN
framr-1733	117	34	.	.	PUNCT
framr-1733	118	1	investors	investor	NOUN
framr-1733	118	2	look	look	VERB
framr-1733	118	3	for	for	ADP
framr-1733	118	4	a	a	DET
framr-1733	118	5	high	high	ADJ
framr-1733	118	6	return	return	NOUN
framr-1733	118	7	on	on	ADP
framr-1733	118	8	equity	equity	NOUN
framr-1733	118	9	to	to	PART
framr-1733	118	10	enhance	enhance	VERB
framr-1733	118	11	the	the	DET
framr-1733	118	12	value	value	NOUN
framr-1733	118	13	of	of	ADP
framr-1733	118	14	their	their	PRON
framr-1733	118	15	stocks	stock	NOUN
framr-1733	118	16	.	.	PUNCT
framr-1733	119	1	table-4	table-4	NOUN
framr-1733	119	2	.	.	PUNCT
framr-1733	120	1	earnings	earning	NOUN
framr-1733	120	2	quality	quality	NOUN
framr-1733	120	3	ratios	ratio	NOUN
framr-1733	120	4	.	.	PUNCT
framr-1733	121	1	earnings	earning	NOUN
framr-1733	121	2	quality	quality	NOUN
framr-1733	121	3	ratios	ratio	NOUN
framr-1733	121	4	interest	interest	NOUN
framr-1733	121	5	rate	rate	NOUN
framr-1733	121	6	margin	margin	NOUN
framr-1733	121	7	net	net	ADJ
framr-1733	121	8	profit	profit	NOUN
framr-1733	121	9	margin	margin	NOUN
framr-1733	121	10	return	return	NOUN
framr-1733	121	11	on	on	ADP
framr-1733	121	12	assets	asset	NOUN
framr-1733	121	13	(	(	PUNCT
framr-1733	121	14	roa	roa	NOUN
framr-1733	121	15	)	)	PUNCT
framr-1733	121	16	return	return	NOUN
framr-1733	121	17	on	on	ADP
framr-1733	121	18	equity	equity	NOUN
framr-1733	121	19	(	(	PUNCT
framr-1733	121	20	roe	roe	PROPN
framr-1733	121	21	)	)	PUNCT
framr-1733	121	22	liquidity	liquidity	NOUN
framr-1733	121	23	is	be	AUX
framr-1733	121	24	an	an	DET
framr-1733	121	25	important	important	ADJ
framr-1733	121	26	factor	factor	NOUN
framr-1733	121	27	in	in	ADP
framr-1733	121	28	determining	determine	VERB
framr-1733	121	29	the	the	DET
framr-1733	121	30	financial	financial	ADJ
framr-1733	121	31	performance	performance	NOUN
framr-1733	121	32	of	of	ADP
framr-1733	121	33	any	any	DET
framr-1733	121	34	bank	bank	NOUN
framr-1733	121	35	.	.	PUNCT
framr-1733	122	1	liquidity	liquidity	NOUN
framr-1733	122	2	is	be	AUX
framr-1733	122	3	seen	see	VERB
framr-1733	122	4	as	as	ADP
framr-1733	122	5	the	the	DET
framr-1733	122	6	ability	ability	NOUN
framr-1733	122	7	of	of	ADP
framr-1733	122	8	the	the	DET
framr-1733	122	9	bank	bank	NOUN
framr-1733	122	10	to	to	PART
framr-1733	122	11	fulfill	fulfill	VERB
framr-1733	122	12	its	its	PRON
framr-1733	122	13	obligations	obligation	NOUN
framr-1733	122	14	especially	especially	ADV
framr-1733	122	15	customers	customer	NOUN
framr-1733	122	16	deposits	deposit	NOUN
framr-1733	122	17	.	.	PUNCT
framr-1733	123	1	table	table	NOUN
framr-1733	123	2	5	5	NUM
framr-1733	123	3	shows	show	VERB
framr-1733	123	4	the	the	DET
framr-1733	123	5	ratios	ratio	NOUN
framr-1733	123	6	used	use	VERB
framr-1733	123	7	in	in	ADP
framr-1733	123	8	this	this	DET
framr-1733	123	9	category	category	NOUN
framr-1733	123	10	.	.	PUNCT
framr-1733	124	1	government	government	NOUN
framr-1733	124	2	securities	security	NOUN
framr-1733	124	3	are	be	AUX
framr-1733	124	4	not	not	PART
framr-1733	124	5	only	only	ADV
framr-1733	124	6	the	the	DET
framr-1733	124	7	most	most	ADV
framr-1733	124	8	secured	secure	VERB
framr-1733	124	9	investments	investment	NOUN
framr-1733	124	10	a	a	DET
framr-1733	124	11	bank	bank	NOUN
framr-1733	124	12	can	can	AUX
framr-1733	124	13	invest	invest	VERB
framr-1733	124	14	in	in	ADP
framr-1733	124	15	,	,	PUNCT
framr-1733	124	16	but	but	CCONJ
framr-1733	124	17	they	they	PRON
framr-1733	124	18	are	be	AUX
framr-1733	124	19	also	also	ADV
framr-1733	124	20	the	the	DET
framr-1733	124	21	most	most	ADV
framr-1733	124	22	liquid	liquid	ADJ
framr-1733	124	23	investments	investment	NOUN
framr-1733	124	24	a	a	DET
framr-1733	124	25	bank	bank	NOUN
framr-1733	124	26	can	can	AUX
framr-1733	124	27	hold	hold	VERB
framr-1733	124	28	.	.	PUNCT
framr-1733	125	1	having	have	VERB
framr-1733	125	2	a	a	DET
framr-1733	125	3	higher	high	ADJ
framr-1733	125	4	government	government	NOUN
framr-1733	125	5	securities	security	NOUN
framr-1733	125	6	to	to	ADP
framr-1733	125	7	total	total	ADJ
framr-1733	125	8	assets	asset	NOUN
framr-1733	125	9	ratio	ratio	NOUN
framr-1733	125	10	would	would	AUX
framr-1733	125	11	indicate	indicate	VERB
framr-1733	125	12	a	a	DET
framr-1733	125	13	healthier	healthy	ADJ
framr-1733	125	14	liquidity	liquidity	NOUN
framr-1733	125	15	position	position	NOUN
framr-1733	125	16	for	for	ADP
framr-1733	125	17	the	the	DET
framr-1733	125	18	bank	bank	NOUN
framr-1733	125	19	.	.	PUNCT
framr-1733	126	1	liquid	liquid	ADJ
framr-1733	126	2	assets	asset	NOUN
framr-1733	126	3	are	be	AUX
framr-1733	126	4	the	the	DET
framr-1733	126	5	assets	asset	NOUN
framr-1733	126	6	that	that	PRON
framr-1733	126	7	mature	mature	VERB
framr-1733	126	8	within	within	ADP
framr-1733	126	9	one	one	NUM
framr-1733	126	10	year	year	NOUN
framr-1733	126	11	and	and	CCONJ
framr-1733	126	12	so	so	ADV
framr-1733	126	13	is	be	AUX
framr-1733	126	14	the	the	DET
framr-1733	126	15	liquid	liquid	ADJ
framr-1733	126	16	liabilities	liability	NOUN
framr-1733	126	17	,	,	PUNCT
framr-1733	126	18	having	have	VERB
framr-1733	126	19	a	a	DET
framr-1733	126	20	higher	high	ADJ
framr-1733	126	21	liquid	liquid	ADJ
framr-1733	126	22	assets	asset	NOUN
framr-1733	126	23	to	to	ADP
framr-1733	126	24	liquid	liquid	ADJ
framr-1733	126	25	liability	liability	NOUN
framr-1733	126	26	ratio	ratio	NOUN
framr-1733	126	27	would	would	AUX
framr-1733	126	28	indicate	indicate	VERB
framr-1733	126	29	a	a	DET
framr-1733	126	30	better	well	ADJ
framr-1733	126	31	liquidity	liquidity	NOUN
framr-1733	126	32	position	position	NOUN
framr-1733	126	33	for	for	ADP
framr-1733	126	34	the	the	DET
framr-1733	126	35	bank	bank	NOUN
framr-1733	126	36	when	when	SCONJ
framr-1733	126	37	it	it	PRON
framr-1733	126	38	comes	come	VERB
framr-1733	126	39	to	to	ADP
framr-1733	126	40	sudden	sudden	ADJ
framr-1733	126	41	liquidity	liquidity	NOUN
framr-1733	126	42	shortage	shortage	NOUN
framr-1733	126	43	.	.	PUNCT
framr-1733	127	1	banks	bank	NOUN
framr-1733	127	2	should	should	AUX
framr-1733	127	3	be	be	AUX
framr-1733	127	4	aware	aware	ADJ
framr-1733	127	5	of	of	ADP
framr-1733	127	6	sudden	sudden	ADJ
framr-1733	127	7	and	and	CCONJ
framr-1733	127	8	unexpected	unexpected	ADJ
framr-1733	127	9	customer	customer	NOUN
framr-1733	127	10	’s	’s	PART
framr-1733	127	11	withdrawals	withdrawal	NOUN
framr-1733	127	12	,	,	PUNCT
framr-1733	127	13	as	as	ADP
framr-1733	127	14	a	a	DET
framr-1733	127	15	result	result	NOUN
framr-1733	127	16	having	have	VERB
framr-1733	127	17	a	a	DET
framr-1733	127	18	higher	high	ADJ
framr-1733	127	19	liquid	liquid	ADJ
framr-1733	127	20	assets	asset	NOUN
framr-1733	127	21	to	to	ADP
framr-1733	127	22	customer	customer	NOUN
framr-1733	127	23	’s	’s	PART
framr-1733	127	24	deposits	deposit	NOUN
framr-1733	127	25	is	be	AUX
framr-1733	127	26	very	very	ADV
framr-1733	127	27	important	important	ADJ
framr-1733	127	28	.	.	PUNCT
framr-1733	128	1	among	among	ADP
framr-1733	128	2	the	the	DET
framr-1733	128	3	more	more	ADV
framr-1733	128	4	concentrated	concentrated	ADJ
framr-1733	128	5	liquidity	liquidity	NOUN
framr-1733	128	6	ratios	ratio	NOUN
framr-1733	128	7	is	be	AUX
framr-1733	128	8	the	the	DET
framr-1733	128	9	3	3	NUM
framr-1733	128	10	m	m	NOUN
framr-1733	128	11	liquidity	liquidity	NOUN
framr-1733	128	12	gap	gap	NOUN
framr-1733	128	13	which	which	PRON
framr-1733	128	14	measures	measure	VERB
framr-1733	128	15	the	the	DET
framr-1733	128	16	difference	difference	NOUN
framr-1733	128	17	between	between	ADP
framr-1733	128	18	the	the	DET
framr-1733	128	19	assets	asset	NOUN
framr-1733	128	20	maturing	mature	VERB
framr-1733	128	21	within	within	ADP
framr-1733	128	22	the	the	DET
framr-1733	128	23	next	next	ADJ
framr-1733	128	24	three	three	NUM
framr-1733	128	25	months	month	NOUN
framr-1733	128	26	and	and	CCONJ
framr-1733	128	27	the	the	DET
framr-1733	128	28	liabilities	liability	NOUN
framr-1733	128	29	maturing	mature	VERB
framr-1733	128	30	within	within	ADP
framr-1733	128	31	the	the	DET
framr-1733	128	32	same	same	ADJ
framr-1733	128	33	period	period	NOUN
framr-1733	128	34	to	to	ADP
framr-1733	128	35	the	the	DET
framr-1733	128	36	assets	asset	NOUN
framr-1733	128	37	maturing	mature	VERB
framr-1733	128	38	within	within	ADP
framr-1733	128	39	the	the	DET
framr-1733	128	40	next	next	ADJ
framr-1733	128	41	three	three	NUM
framr-1733	128	42	months	month	NOUN
framr-1733	128	43	.	.	PUNCT
framr-1733	129	1	banks	bank	NOUN
framr-1733	129	2	make	make	VERB
framr-1733	129	3	money	money	NOUN
framr-1733	129	4	by	by	ADP
framr-1733	129	5	exploiting	exploit	VERB
framr-1733	129	6	the	the	DET
framr-1733	129	7	yield	yield	NOUN
framr-1733	129	8	curve	curve	NOUN
framr-1733	129	9	,	,	PUNCT
framr-1733	129	10	meaning	mean	VERB
framr-1733	129	11	that	that	SCONJ
framr-1733	129	12	they	they	PRON
framr-1733	129	13	lend	lend	VERB
framr-1733	129	14	for	for	ADP
framr-1733	129	15	long	long	ADJ
framr-1733	129	16	periods	period	NOUN
framr-1733	129	17	and	and	CCONJ
framr-1733	129	18	cover	cover	VERB
framr-1733	129	19	them	they	PRON
framr-1733	129	20	with	with	ADP
framr-1733	129	21	short	short	ADJ
framr-1733	129	22	term	term	NOUN
framr-1733	129	23	borrowing	borrowing	NOUN
framr-1733	129	24	.	.	PUNCT
framr-1733	130	1	taking	take	VERB
framr-1733	130	2	advantage	advantage	NOUN
framr-1733	130	3	of	of	ADP
framr-1733	130	4	the	the	DET
framr-1733	130	5	upward	upward	ADJ
framr-1733	130	6	slope	slope	NOUN
framr-1733	130	7	yield	yield	NOUN
framr-1733	130	8	curve	curve	NOUN
framr-1733	130	9	would	would	AUX
framr-1733	130	10	cause	cause	VERB
framr-1733	130	11	a	a	DET
framr-1733	130	12	liquidity	liquidity	NOUN
framr-1733	130	13	risk	risk	NOUN
framr-1733	130	14	for	for	ADP
framr-1733	130	15	the	the	DET
framr-1733	130	16	bank	bank	NOUN
framr-1733	130	17	when	when	SCONJ
framr-1733	130	18	the	the	DET
framr-1733	130	19	bank	bank	NOUN
framr-1733	130	20	have	have	VERB
framr-1733	130	21	a	a	DET
framr-1733	130	22	high	high	ADJ
framr-1733	130	23	negative	negative	ADJ
framr-1733	130	24	ratio	ratio	NOUN
framr-1733	130	25	,	,	PUNCT
framr-1733	130	26	that	that	PRON
framr-1733	130	27	is	be	AUX
framr-1733	130	28	why	why	SCONJ
framr-1733	130	29	banks	bank	NOUN
framr-1733	130	30	try	try	VERB
framr-1733	130	31	to	to	PART
framr-1733	130	32	balance	balance	VERB
framr-1733	130	33	their	their	PRON
framr-1733	130	34	maturities	maturity	NOUN
framr-1733	130	35	to	to	PART
framr-1733	130	36	reduce	reduce	VERB
framr-1733	130	37	that	that	DET
framr-1733	130	38	risk	risk	NOUN
framr-1733	130	39	and	and	CCONJ
framr-1733	130	40	that	that	SCONJ
framr-1733	130	41	ratio	ratio	NOUN
framr-1733	130	42	for	for	ADP
framr-1733	130	43	that	that	DET
framr-1733	130	44	matter	matter	NOUN
framr-1733	130	45	.	.	PUNCT
framr-1733	131	1	table-5	table-5	PROPN
framr-1733	131	2	.	.	PUNCT
framr-1733	131	3	liquidity	liquidity	NOUN
framr-1733	131	4	ratios	ratio	NOUN
framr-1733	131	5	.	.	PUNCT
framr-1733	132	1	liquidity	liquidity	NOUN
framr-1733	132	2	ratios	ratio	NOUN
framr-1733	132	3	government	government	NOUN
framr-1733	132	4	sec	sec	PROPN
framr-1733	132	5	to	to	ADP
framr-1733	132	6	total	total	ADJ
framr-1733	132	7	assets	asset	NOUN
framr-1733	132	8	liquid	liquid	ADJ
framr-1733	132	9	assets	asset	NOUN
framr-1733	132	10	to	to	ADP
framr-1733	132	11	liquid	liquid	ADJ
framr-1733	132	12	liabilities	liability	NOUN
framr-1733	132	13	liquid	liquid	ADJ
framr-1733	132	14	assets	asset	NOUN
framr-1733	132	15	to	to	PART
framr-1733	132	16	total	total	VERB
framr-1733	132	17	customers	customer	NOUN
framr-1733	132	18	deposits	deposit	VERB
framr-1733	132	19	3	3	NUM
framr-1733	132	20	m	m	NOUN
framr-1733	132	21	liquidity	liquidity	NOUN
framr-1733	132	22	gap	gap	NOUN
framr-1733	132	23	to	to	ADP
framr-1733	132	24	assets	asset	NOUN
framr-1733	132	25	maturing	mature	VERB
framr-1733	132	26	in	in	ADP
framr-1733	132	27	3	3	NUM
framr-1733	132	28	m	m	NOUN
framr-1733	132	29	history	history	NOUN
framr-1733	132	30	shows	show	VERB
framr-1733	132	31	that	that	SCONJ
framr-1733	132	32	markets	market	NOUN
framr-1733	132	33	are	be	AUX
framr-1733	132	34	unpredictable	unpredictable	ADJ
framr-1733	132	35	and	and	CCONJ
framr-1733	132	36	sudden	sudden	ADJ
framr-1733	132	37	moves	move	NOUN
framr-1733	132	38	might	might	AUX
framr-1733	132	39	have	have	VERB
framr-1733	132	40	a	a	DET
framr-1733	132	41	catastrophical	catastrophical	ADJ
framr-1733	132	42	consequences	consequence	NOUN
framr-1733	132	43	on	on	ADP
framr-1733	132	44	the	the	DET
framr-1733	132	45	banks	bank	NOUN
framr-1733	132	46	and	and	CCONJ
framr-1733	132	47	their	their	PRON
framr-1733	132	48	profits	profit	NOUN
framr-1733	132	49	.	.	PUNCT
framr-1733	133	1	table	table	NOUN
framr-1733	133	2	6	6	NUM
framr-1733	133	3	shows	show	VERB
framr-1733	133	4	the	the	DET
framr-1733	133	5	ratios	ratio	NOUN
framr-1733	133	6	used	use	VERB
framr-1733	133	7	in	in	ADP
framr-1733	133	8	assessing	assess	VERB
framr-1733	133	9	these	these	DET
framr-1733	133	10	market	market	NOUN
framr-1733	133	11	risks	risk	NOUN
framr-1733	133	12	.	.	PUNCT
framr-1733	134	1	banks	bank	NOUN
framr-1733	134	2	try	try	VERB
framr-1733	134	3	to	to	PART
framr-1733	134	4	diversify	diversify	VERB
framr-1733	134	5	their	their	PRON
framr-1733	134	6	income	income	NOUN
framr-1733	134	7	sources	source	NOUN
framr-1733	134	8	and	and	CCONJ
framr-1733	134	9	for	for	ADP
framr-1733	134	10	that	that	DET
framr-1733	134	11	matter	matter	NOUN
framr-1733	134	12	banks	bank	NOUN
framr-1733	134	13	tend	tend	VERB
framr-1733	134	14	to	to	PART
framr-1733	134	15	invest	invest	VERB
framr-1733	134	16	in	in	ADP
framr-1733	134	17	securities	security	NOUN
framr-1733	134	18	as	as	ADP
framr-1733	134	19	an	an	DET
framr-1733	134	20	alternative	alternative	ADJ
framr-1733	134	21	source	source	NOUN
framr-1733	134	22	in	in	ADP
framr-1733	134	23	income	income	NOUN
framr-1733	134	24	,	,	PUNCT
framr-1733	134	25	having	have	VERB
framr-1733	134	26	a	a	DET
framr-1733	134	27	high	high	ADJ
framr-1733	134	28	portion	portion	NOUN
framr-1733	134	29	of	of	ADP
framr-1733	134	30	the	the	DET
framr-1733	134	31	bank	bank	NOUN
framr-1733	134	32	’s	’s	PART
framr-1733	134	33	assets	asset	NOUN
framr-1733	134	34	invested	invest	VERB
framr-1733	134	35	in	in	ADP
framr-1733	134	36	securities	security	NOUN
framr-1733	134	37	would	would	AUX
framr-1733	134	38	make	make	VERB
framr-1733	134	39	the	the	DET
framr-1733	134	40	bank	bank	NOUN
framr-1733	134	41	at	at	ADP
framr-1733	134	42	risk	risk	NOUN
framr-1733	134	43	from	from	ADP
framr-1733	134	44	any	any	DET
framr-1733	134	45	undesirable	undesirable	ADJ
framr-1733	134	46	movements	movement	NOUN
framr-1733	134	47	in	in	ADP
framr-1733	134	48	that	that	DET
framr-1733	134	49	market	market	NOUN
framr-1733	134	50	.	.	PUNCT
framr-1733	135	1	banks	bank	NOUN
framr-1733	135	2	tend	tend	VERB
framr-1733	135	3	to	to	PART
framr-1733	135	4	have	have	VERB
framr-1733	135	5	high	high	ADJ
framr-1733	135	6	total	total	ADJ
framr-1733	135	7	securities	security	NOUN
framr-1733	135	8	to	to	ADP
framr-1733	135	9	total	total	ADJ
framr-1733	135	10	assets	asset	NOUN
framr-1733	135	11	ratio	ratio	NOUN
framr-1733	135	12	when	when	SCONJ
framr-1733	135	13	the	the	DET
framr-1733	135	14	markets	market	NOUN
framr-1733	135	15	are	be	AUX
framr-1733	135	16	doing	do	VERB
framr-1733	135	17	well	well	ADV
framr-1733	135	18	and	and	CCONJ
framr-1733	135	19	vice	vice	NOUN
framr-1733	135	20	-	-	NOUN
framr-1733	135	21	a	a	DET
framr-1733	135	22	-	-	PUNCT
framr-1733	135	23	versa	versa	NOUN
framr-1733	135	24	,	,	PUNCT
framr-1733	135	25	but	but	CCONJ
framr-1733	135	26	that	that	PRON
framr-1733	135	27	does	do	AUX
framr-1733	135	28	not	not	PART
framr-1733	135	29	mean	mean	VERB
framr-1733	135	30	that	that	SCONJ
framr-1733	135	31	banks	bank	NOUN
framr-1733	135	32	are	be	AUX
framr-1733	135	33	immune	immune	ADJ
framr-1733	135	34	from	from	ADP
framr-1733	135	35	getting	getting	AUX
framr-1733	135	36	caught	catch	VERB
framr-1733	135	37	in	in	ADP
framr-1733	135	38	market	market	NOUN
framr-1733	135	39	crashes	crash	NOUN
framr-1733	135	40	.	.	PUNCT
framr-1733	136	1	banks	bank	NOUN
framr-1733	136	2	financial	financial	ADJ
framr-1733	136	3	risk	risk	NOUN
framr-1733	136	4	and	and	CCONJ
framr-1733	136	5	management	management	NOUN
framr-1733	136	6	reviews	review	NOUN
framr-1733	136	7	,	,	PUNCT
framr-1733	136	8	2019	2019	NUM
framr-1733	136	9	,	,	PUNCT
framr-1733	136	10	5(1	5(1	NUM
framr-1733	136	11	):	):	PUNCT
framr-1733	136	12	55	55	NUM
framr-1733	136	13	-	-	SYM
framr-1733	136	14	69	69	NUM
framr-1733	136	15	60	60	NUM
framr-1733	136	16	©	©	PROPN
framr-1733	136	17	2019	2019	NUM
framr-1733	136	18	conscientia	conscientia	PROPN
framr-1733	136	19	beam	beam	PROPN
framr-1733	136	20	.	.	PUNCT
framr-1733	137	1	all	all	DET
framr-1733	137	2	rights	right	NOUN
framr-1733	137	3	reserved	reserve	VERB
framr-1733	137	4	.	.	PUNCT
framr-1733	138	1	with	with	ADP
framr-1733	138	2	higher	high	ADJ
framr-1733	138	3	total	total	ADJ
framr-1733	138	4	securities	security	NOUN
framr-1733	138	5	to	to	ADP
framr-1733	138	6	total	total	ADJ
framr-1733	138	7	assets	asset	NOUN
framr-1733	138	8	ratio	ratio	NOUN
framr-1733	138	9	means	mean	VERB
framr-1733	138	10	that	that	SCONJ
framr-1733	138	11	they	they	PRON
framr-1733	138	12	are	be	AUX
framr-1733	138	13	faced	face	VERB
framr-1733	138	14	with	with	ADP
framr-1733	138	15	market	market	NOUN
framr-1733	138	16	volatility	volatility	NOUN
framr-1733	138	17	risk	risk	NOUN
framr-1733	138	18	.	.	PUNCT
framr-1733	139	1	christopoulos	christopoulos	PROPN
framr-1733	139	2	et	et	PROPN
framr-1733	139	3	al	al	PROPN
framr-1733	139	4	.	.	PROPN
framr-1733	140	1	(	(	PUNCT
framr-1733	140	2	2011	2011	NUM
framr-1733	140	3	)	)	PUNCT
framr-1733	140	4	argued	argue	VERB
framr-1733	140	5	that	that	SCONJ
framr-1733	140	6	a	a	DET
framr-1733	140	7	bank	bank	NOUN
framr-1733	140	8	should	should	AUX
framr-1733	140	9	have	have	VERB
framr-1733	140	10	a	a	DET
framr-1733	140	11	low	low	ADJ
framr-1733	140	12	ratio	ratio	NOUN
framr-1733	140	13	in	in	ADP
framr-1733	140	14	order	order	NOUN
framr-1733	140	15	for	for	SCONJ
framr-1733	140	16	it	it	PRON
framr-1733	140	17	to	to	PART
framr-1733	140	18	be	be	AUX
framr-1733	140	19	safe	safe	ADJ
framr-1733	140	20	from	from	ADP
framr-1733	140	21	market	market	NOUN
framr-1733	140	22	risk	risk	NOUN
framr-1733	140	23	.	.	PUNCT
framr-1733	141	1	another	another	DET
framr-1733	141	2	market	market	NOUN
framr-1733	141	3	risk	risk	NOUN
framr-1733	141	4	a	a	DET
framr-1733	141	5	bank	bank	NOUN
framr-1733	141	6	might	might	AUX
framr-1733	141	7	face	face	VERB
framr-1733	141	8	is	be	AUX
framr-1733	141	9	the	the	DET
framr-1733	141	10	interest	interest	NOUN
framr-1733	141	11	rate	rate	NOUN
framr-1733	141	12	risk	risk	NOUN
framr-1733	141	13	,	,	PUNCT
framr-1733	141	14	aspal	aspal	NOUN
framr-1733	141	15	and	and	CCONJ
framr-1733	141	16	dhawan	dhawan	PROPN
framr-1733	141	17	(	(	PUNCT
framr-1733	141	18	2014	2014	NUM
framr-1733	141	19	)	)	PUNCT
framr-1733	141	20	used	use	VERB
framr-1733	141	21	sensitivity	sensitivity	NOUN
framr-1733	141	22	gap	gap	NOUN
framr-1733	141	23	ratio	ratio	NOUN
framr-1733	141	24	to	to	PART
framr-1733	141	25	measure	measure	VERB
framr-1733	141	26	the	the	DET
framr-1733	141	27	interest	interest	NOUN
framr-1733	141	28	rate	rate	NOUN
framr-1733	141	29	risk	risk	NOUN
framr-1733	141	30	.	.	PUNCT
framr-1733	142	1	the	the	DET
framr-1733	142	2	sensitivity	sensitivity	NOUN
framr-1733	142	3	gap	gap	NOUN
framr-1733	142	4	ratio	ratio	NOUN
framr-1733	142	5	is	be	AUX
framr-1733	142	6	the	the	DET
framr-1733	142	7	ratio	ratio	NOUN
framr-1733	142	8	between	between	ADP
framr-1733	142	9	the	the	DET
framr-1733	142	10	risk	risk	NOUN
framr-1733	142	11	sensitive	sensitive	ADJ
framr-1733	142	12	assets	asset	NOUN
framr-1733	142	13	to	to	ADP
framr-1733	142	14	the	the	DET
framr-1733	142	15	risk	risk	NOUN
framr-1733	142	16	sensitive	sensitive	ADJ
framr-1733	142	17	liabilities	liability	NOUN
framr-1733	142	18	.	.	PUNCT
framr-1733	143	1	in	in	ADP
framr-1733	143	2	order	order	NOUN
framr-1733	143	3	for	for	SCONJ
framr-1733	143	4	the	the	DET
framr-1733	143	5	bank	bank	NOUN
framr-1733	143	6	to	to	PART
framr-1733	143	7	be	be	AUX
framr-1733	143	8	immune	immune	ADJ
framr-1733	143	9	from	from	ADP
framr-1733	143	10	interest	interest	NOUN
framr-1733	143	11	rate	rate	NOUN
framr-1733	143	12	risk	risk	NOUN
framr-1733	143	13	this	this	DET
framr-1733	143	14	ratio	ratio	NOUN
framr-1733	143	15	should	should	AUX
framr-1733	143	16	be	be	AUX
framr-1733	143	17	1	1	NUM
framr-1733	143	18	,	,	PUNCT
framr-1733	143	19	so	so	SCONJ
framr-1733	143	20	that	that	SCONJ
framr-1733	143	21	the	the	DET
framr-1733	143	22	effect	effect	NOUN
framr-1733	143	23	of	of	ADP
framr-1733	143	24	interest	interest	NOUN
framr-1733	143	25	rate	rate	NOUN
framr-1733	143	26	movements	movement	NOUN
framr-1733	143	27	on	on	ADP
framr-1733	143	28	assets	asset	NOUN
framr-1733	143	29	would	would	AUX
framr-1733	143	30	be	be	AUX
framr-1733	143	31	offset	offset	VERB
framr-1733	143	32	by	by	ADP
framr-1733	143	33	the	the	DET
framr-1733	143	34	effect	effect	NOUN
framr-1733	143	35	on	on	ADP
framr-1733	143	36	liabilities	liability	NOUN
framr-1733	143	37	and	and	CCONJ
framr-1733	143	38	vice	vice	NOUN
framr-1733	143	39	-	-	PUNCT
framr-1733	143	40	a	a	DET
framr-1733	143	41	-	-	PUNCT
framr-1733	143	42	versa	versa	NOUN
framr-1733	143	43	.	.	PUNCT
framr-1733	144	1	when	when	SCONJ
framr-1733	144	2	a	a	DET
framr-1733	144	3	bank	bank	NOUN
framr-1733	144	4	have	have	VERB
framr-1733	144	5	a	a	DET
framr-1733	144	6	sensitivity	sensitivity	NOUN
framr-1733	144	7	gap	gap	NOUN
framr-1733	144	8	ratio	ratio	NOUN
framr-1733	144	9	that	that	PRON
framr-1733	144	10	is	be	AUX
framr-1733	144	11	above	above	ADP
framr-1733	144	12	1	1	NUM
framr-1733	144	13	then	then	ADV
framr-1733	144	14	the	the	DET
framr-1733	144	15	bank	bank	NOUN
framr-1733	144	16	is	be	AUX
framr-1733	144	17	asset	asset	NOUN
framr-1733	144	18	sensitive	sensitive	ADJ
framr-1733	144	19	(	(	PUNCT
framr-1733	144	20	assets	asset	NOUN
framr-1733	144	21	reprice	reprice	NOUN
framr-1733	144	22	faster	fast	ADV
framr-1733	144	23	than	than	ADP
framr-1733	144	24	liabilities	liability	NOUN
framr-1733	144	25	)	)	PUNCT
framr-1733	144	26	and	and	CCONJ
framr-1733	144	27	if	if	SCONJ
framr-1733	144	28	less	less	ADJ
framr-1733	144	29	than	than	ADP
framr-1733	144	30	1	1	NUM
framr-1733	144	31	then	then	ADV
framr-1733	144	32	the	the	DET
framr-1733	144	33	bank	bank	NOUN
framr-1733	144	34	is	be	AUX
framr-1733	144	35	liability	liability	NOUN
framr-1733	144	36	sensitive	sensitive	ADJ
framr-1733	144	37	.	.	PUNCT
framr-1733	145	1	in	in	ADP
framr-1733	145	2	both	both	DET
framr-1733	145	3	cases	case	NOUN
framr-1733	145	4	the	the	DET
framr-1733	145	5	bank	bank	NOUN
framr-1733	145	6	is	be	AUX
framr-1733	145	7	more	more	ADV
framr-1733	145	8	exposed	expose	VERB
framr-1733	145	9	to	to	ADP
framr-1733	145	10	interest	interest	NOUN
framr-1733	145	11	rate	rate	NOUN
framr-1733	145	12	risk	risk	NOUN
framr-1733	145	13	if	if	SCONJ
framr-1733	145	14	the	the	DET
framr-1733	145	15	ratio	ratio	NOUN
framr-1733	145	16	is	be	AUX
framr-1733	145	17	farther	farth	ADJ
framr-1733	145	18	than	than	ADP
framr-1733	145	19	1	1	NUM
framr-1733	145	20	(	(	PUNCT
framr-1733	145	21	aspal	aspal	NOUN
framr-1733	145	22	and	and	CCONJ
framr-1733	145	23	dhawan	dhawan	PROPN
framr-1733	145	24	,	,	PUNCT
framr-1733	145	25	2016	2016	NUM
framr-1733	145	26	)	)	PUNCT
framr-1733	145	27	.	.	PUNCT
framr-1733	146	1	banks	bank	NOUN
framr-1733	146	2	activities	activity	NOUN
framr-1733	146	3	are	be	AUX
framr-1733	146	4	expanding	expand	VERB
framr-1733	146	5	to	to	ADP
framr-1733	146	6	other	other	ADJ
framr-1733	146	7	countries	country	NOUN
framr-1733	146	8	and	and	CCONJ
framr-1733	146	9	for	for	ADP
framr-1733	146	10	that	that	DET
framr-1733	146	11	matter	matter	NOUN
framr-1733	146	12	other	other	ADJ
framr-1733	146	13	currencies	currency	NOUN
framr-1733	146	14	in	in	ADP
framr-1733	146	15	order	order	NOUN
framr-1733	146	16	to	to	PART
framr-1733	146	17	accommodate	accommodate	VERB
framr-1733	146	18	their	their	PRON
framr-1733	146	19	customers	customer	NOUN
framr-1733	146	20	’	'	PUNCT
framr-1733	146	21	needs	need	NOUN
framr-1733	146	22	,	,	PUNCT
framr-1733	146	23	investing	invest	VERB
framr-1733	146	24	in	in	ADP
framr-1733	146	25	international	international	ADJ
framr-1733	146	26	markets	market	NOUN
framr-1733	146	27	,	,	PUNCT
framr-1733	146	28	and	and	CCONJ
framr-1733	146	29	also	also	ADV
framr-1733	146	30	for	for	ADP
framr-1733	146	31	the	the	DET
framr-1733	146	32	bank	bank	NOUN
framr-1733	146	33	’s	’s	PART
framr-1733	146	34	expansion	expansion	NOUN
framr-1733	146	35	to	to	ADP
framr-1733	146	36	other	other	ADJ
framr-1733	146	37	countries	country	NOUN
framr-1733	146	38	and	and	CCONJ
framr-1733	146	39	so	so	ADV
framr-1733	146	40	on	on	ADV
framr-1733	146	41	.	.	PUNCT
framr-1733	147	1	this	this	DET
framr-1733	147	2	exposure	exposure	NOUN
framr-1733	147	3	to	to	ADP
framr-1733	147	4	foreign	foreign	ADJ
framr-1733	147	5	markets	market	NOUN
framr-1733	147	6	carry	carry	VERB
framr-1733	147	7	with	with	ADP
framr-1733	147	8	it	it	PRON
framr-1733	147	9	the	the	DET
framr-1733	147	10	risk	risk	NOUN
framr-1733	147	11	of	of	ADP
framr-1733	147	12	exchange	exchange	NOUN
framr-1733	147	13	rate	rate	NOUN
framr-1733	147	14	risk	risk	NOUN
framr-1733	147	15	,	,	PUNCT
framr-1733	147	16	for	for	ADP
framr-1733	147	17	example	example	NOUN
framr-1733	147	18	national	national	PROPN
framr-1733	147	19	bank	bank	PROPN
framr-1733	147	20	of	of	ADP
framr-1733	147	21	kuwait	kuwait	PROPN
framr-1733	147	22	(	(	PUNCT
framr-1733	147	23	nbk	nbk	PROPN
framr-1733	147	24	)	)	PUNCT
framr-1733	147	25	bought	buy	VERB
framr-1733	147	26	a	a	DET
framr-1733	147	27	bank	bank	NOUN
framr-1733	147	28	in	in	ADP
framr-1733	147	29	egypt	egypt	PROPN
framr-1733	147	30	in	in	ADP
framr-1733	147	31	2007	2007	NUM
framr-1733	147	32	in	in	ADP
framr-1733	147	33	order	order	NOUN
framr-1733	147	34	to	to	PART
framr-1733	147	35	expand	expand	VERB
framr-1733	147	36	their	their	PRON
framr-1733	147	37	activities	activity	NOUN
framr-1733	147	38	there	there	ADV
framr-1733	147	39	.	.	PUNCT
framr-1733	148	1	from	from	ADP
framr-1733	148	2	the	the	DET
framr-1733	148	3	period	period	NOUN
framr-1733	148	4	from	from	ADP
framr-1733	148	5	january	january	PROPN
framr-1733	148	6	2011	2011	NUM
framr-1733	148	7	to	to	ADP
framr-1733	148	8	december	december	PROPN
framr-1733	148	9	2016	2016	NUM
framr-1733	148	10	,	,	PUNCT
framr-1733	148	11	the	the	DET
framr-1733	148	12	egyptian	egyptian	ADJ
framr-1733	148	13	pound	pound	NOUN
framr-1733	148	14	went	go	VERB
framr-1733	148	15	down	down	ADP
framr-1733	148	16	against	against	ADP
framr-1733	148	17	the	the	DET
framr-1733	148	18	u.s	u.s	PROPN
framr-1733	148	19	.	.	PROPN
framr-1733	148	20	dollar	dollar	NOUN
framr-1733	148	21	from	from	ADP
framr-1733	148	22	5.96	5.96	NUM
framr-1733	148	23	to	to	ADP
framr-1733	148	24	18.13	18.13	NUM
framr-1733	148	25	pounds	pound	NOUN
framr-1733	148	26	per	per	ADP
framr-1733	148	27	dollar	dollar	NOUN
framr-1733	148	28	.	.	PUNCT
framr-1733	149	1	the	the	DET
framr-1733	149	2	same	same	ADJ
framr-1733	149	3	thing	thing	NOUN
framr-1733	149	4	goes	go	VERB
framr-1733	149	5	to	to	ADP
framr-1733	149	6	kuwait	kuwait	PROPN
framr-1733	149	7	finance	finance	PROPN
framr-1733	149	8	house	house	PROPN
framr-1733	149	9	that	that	PRON
framr-1733	149	10	has	have	VERB
framr-1733	149	11	a	a	DET
framr-1733	149	12	subsidiary	subsidiary	NOUN
framr-1733	149	13	in	in	ADP
framr-1733	149	14	turkey	turkey	PROPN
framr-1733	149	15	,	,	PUNCT
framr-1733	149	16	for	for	ADP
framr-1733	149	17	the	the	DET
framr-1733	149	18	same	same	ADJ
framr-1733	149	19	period	period	NOUN
framr-1733	149	20	the	the	DET
framr-1733	149	21	turkish	turkish	ADJ
framr-1733	149	22	lira	lira	NOUN
framr-1733	149	23	went	go	VERB
framr-1733	149	24	down	down	ADP
framr-1733	149	25	from	from	ADP
framr-1733	149	26	1.6015	1.6015	NUM
framr-1733	149	27	to	to	ADP
framr-1733	149	28	3.5377	3.5377	NUM
framr-1733	149	29	lira	lira	NOUN
framr-1733	149	30	against	against	ADP
framr-1733	149	31	the	the	DET
framr-1733	149	32	u.s	u.s	PROPN
framr-1733	149	33	.	.	PROPN
framr-1733	149	34	dollar	dollar	NOUN
framr-1733	149	35	.	.	PUNCT
framr-1733	150	1	this	this	DET
framr-1733	150	2	weakness	weakness	NOUN
framr-1733	150	3	in	in	ADP
framr-1733	150	4	the	the	DET
framr-1733	150	5	foreign	foreign	ADJ
framr-1733	150	6	currencies	currency	NOUN
framr-1733	150	7	would	would	AUX
framr-1733	150	8	have	have	VERB
framr-1733	150	9	an	an	DET
framr-1733	150	10	effect	effect	NOUN
framr-1733	150	11	on	on	ADP
framr-1733	150	12	the	the	DET
framr-1733	150	13	bank	bank	NOUN
framr-1733	150	14	’s	’s	PART
framr-1733	150	15	profitability	profitability	NOUN
framr-1733	150	16	,	,	PUNCT
framr-1733	150	17	this	this	DET
framr-1733	150	18	effect	effect	NOUN
framr-1733	150	19	is	be	AUX
framr-1733	150	20	measured	measure	VERB
framr-1733	150	21	by	by	ADP
framr-1733	150	22	the	the	DET
framr-1733	150	23	effect	effect	NOUN
framr-1733	150	24	of	of	ADP
framr-1733	150	25	exchange	exchange	NOUN
framr-1733	150	26	rates	rate	NOUN
framr-1733	150	27	movements	movement	NOUN
framr-1733	150	28	to	to	ADP
framr-1733	150	29	net	net	ADJ
framr-1733	150	30	profit	profit	NOUN
framr-1733	150	31	.	.	PUNCT
framr-1733	151	1	while	while	SCONJ
framr-1733	151	2	total	total	ADJ
framr-1733	151	3	securities	security	NOUN
framr-1733	151	4	to	to	ADP
framr-1733	151	5	total	total	ADJ
framr-1733	151	6	assets	asset	NOUN
framr-1733	151	7	gives	give	VERB
framr-1733	151	8	an	an	DET
framr-1733	151	9	indication	indication	NOUN
framr-1733	151	10	the	the	DET
framr-1733	151	11	exposure	exposure	NOUN
framr-1733	151	12	of	of	ADP
framr-1733	151	13	the	the	DET
framr-1733	151	14	bank	bank	NOUN
framr-1733	151	15	to	to	ADP
framr-1733	151	16	the	the	DET
framr-1733	151	17	securities	security	NOUN
framr-1733	151	18	markets	market	NOUN
framr-1733	151	19	that	that	PRON
framr-1733	151	20	includes	include	VERB
framr-1733	151	21	bonds	bond	NOUN
framr-1733	151	22	,	,	PUNCT
framr-1733	151	23	equities	equity	NOUN
framr-1733	151	24	and	and	CCONJ
framr-1733	151	25	others	other	NOUN
framr-1733	151	26	,	,	PUNCT
framr-1733	151	27	the	the	DET
framr-1733	151	28	effect	effect	NOUN
framr-1733	151	29	of	of	ADP
framr-1733	151	30	stock	stock	NOUN
framr-1733	151	31	market	market	NOUN
framr-1733	151	32	movements	movement	NOUN
framr-1733	151	33	only	only	ADV
framr-1733	151	34	looks	look	VERB
framr-1733	151	35	at	at	ADP
framr-1733	151	36	the	the	DET
framr-1733	151	37	equity	equity	NOUN
framr-1733	151	38	side	side	NOUN
framr-1733	151	39	of	of	ADP
framr-1733	151	40	it	it	PRON
framr-1733	151	41	and	and	CCONJ
framr-1733	151	42	its	its	PRON
framr-1733	151	43	effect	effect	NOUN
framr-1733	151	44	on	on	ADP
framr-1733	151	45	the	the	DET
framr-1733	151	46	bank	bank	NOUN
framr-1733	151	47	’s	’s	PART
framr-1733	151	48	net	net	ADJ
framr-1733	151	49	profit	profit	NOUN
framr-1733	151	50	.	.	PUNCT
framr-1733	152	1	table-6	table-6	PRON
framr-1733	152	2	.	.	PUNCT
framr-1733	152	3	market	market	NOUN
framr-1733	152	4	sensitivity	sensitivity	NOUN
framr-1733	152	5	ratios	ratio	NOUN
framr-1733	152	6	.	.	PUNCT
framr-1733	153	1	market	market	NOUN
framr-1733	153	2	sensitivity	sensitivity	NOUN
framr-1733	153	3	ratios	ratio	VERB
framr-1733	153	4	total	total	ADJ
framr-1733	153	5	securities	security	NOUN
framr-1733	153	6	to	to	ADP
framr-1733	153	7	total	total	ADJ
framr-1733	153	8	assets	asset	NOUN
framr-1733	153	9	sensitivity	sensitivity	NOUN
framr-1733	153	10	gap	gap	NOUN
framr-1733	153	11	ratio	ratio	NOUN
framr-1733	153	12	effect	effect	NOUN
framr-1733	153	13	of	of	ADP
framr-1733	153	14	5	5	NUM
framr-1733	153	15	%	%	NOUN
framr-1733	153	16	exchange	exchange	NOUN
framr-1733	153	17	rate	rate	NOUN
framr-1733	153	18	movement	movement	NOUN
framr-1733	153	19	to	to	ADP
framr-1733	153	20	net	net	ADJ
framr-1733	153	21	profit	profit	NOUN
framr-1733	153	22	effect	effect	NOUN
framr-1733	153	23	of	of	ADP
framr-1733	153	24	5	5	NUM
framr-1733	153	25	%	%	NOUN
framr-1733	153	26	stock	stock	NOUN
framr-1733	153	27	market	market	NOUN
framr-1733	153	28	movement	movement	NOUN
framr-1733	153	29	to	to	ADP
framr-1733	153	30	net	net	ADJ
framr-1733	153	31	profit	profit	NOUN
framr-1733	153	32	*	*	PUNCT
framr-1733	153	33	risk	risk	NOUN
framr-1733	153	34	sensitive	sensitive	ADJ
framr-1733	153	35	assets	asset	NOUN
framr-1733	153	36	=	=	SYM
framr-1733	153	37	net	net	ADJ
framr-1733	153	38	loans	loan	NOUN
framr-1733	153	39	+	+	CCONJ
framr-1733	153	40	net	net	ADJ
framr-1733	153	41	investments	investment	NOUN
framr-1733	153	42	+	+	CCONJ
framr-1733	153	43	money	money	NOUN
framr-1733	153	44	-	-	PUNCT
framr-1733	153	45	on	on	ADP
framr-1733	153	46	-	-	PUNCT
framr-1733	153	47	call	call	NOUN
framr-1733	153	48	.	.	PUNCT
framr-1733	154	1	*	*	PUNCT
framr-1733	154	2	*	*	PUNCT
framr-1733	154	3	risk	risk	NOUN
framr-1733	154	4	sensitive	sensitive	ADJ
framr-1733	154	5	liabilities	liability	NOUN
framr-1733	154	6	=	=	SYM
framr-1733	154	7	customer	customer	NOUN
framr-1733	154	8	deposits	deposit	VERB
framr-1733	154	9	+	+	CCONJ
framr-1733	154	10	other	other	ADJ
framr-1733	154	11	borrowings	borrowing	NOUN
framr-1733	155	1	+	+	CCONJ
framr-1733	155	2	due	due	ADJ
framr-1733	155	3	’s	’s	ADV
framr-1733	155	4	to	to	ADP
framr-1733	155	5	banks	bank	NOUN
framr-1733	155	6	and	and	CCONJ
framr-1733	155	7	other	other	ADJ
framr-1733	155	8	financial	financial	ADJ
framr-1733	155	9	institutions	institution	NOUN
framr-1733	155	10	.	.	PUNCT
framr-1733	156	1	3	3	X
framr-1733	156	2	.	.	X
framr-1733	156	3	data	datum	NOUN
framr-1733	156	4	and	and	CCONJ
framr-1733	156	5	empirical	empirical	ADJ
framr-1733	156	6	results	result	NOUN
framr-1733	156	7	the	the	DET
framr-1733	156	8	results	result	NOUN
framr-1733	156	9	presented	present	VERB
framr-1733	156	10	in	in	ADP
framr-1733	156	11	this	this	DET
framr-1733	156	12	paper	paper	NOUN
framr-1733	156	13	are	be	AUX
framr-1733	156	14	based	base	VERB
framr-1733	156	15	on	on	ADP
framr-1733	156	16	the	the	DET
framr-1733	156	17	financial	financial	ADJ
framr-1733	156	18	statements	statement	NOUN
framr-1733	156	19	from	from	ADP
framr-1733	156	20	nine	nine	NUM
framr-1733	156	21	kuwaiti	kuwaiti	PROPN
framr-1733	156	22	banks	bank	NOUN
framr-1733	156	23	,	,	PUNCT
framr-1733	156	24	warba	warba	NOUN
framr-1733	156	25	bank	bank	NOUN
framr-1733	156	26	which	which	PRON
framr-1733	156	27	is	be	AUX
framr-1733	156	28	the	the	DET
framr-1733	156	29	tenth	tenth	ADJ
framr-1733	156	30	kuwaiti	kuwaiti	PROPN
framr-1733	156	31	bank	bank	PROPN
framr-1733	156	32	was	be	AUX
framr-1733	156	33	excluded	exclude	VERB
framr-1733	156	34	from	from	ADP
framr-1733	156	35	the	the	DET
framr-1733	156	36	study	study	NOUN
framr-1733	156	37	since	since	SCONJ
framr-1733	156	38	it	it	PRON
framr-1733	156	39	is	be	AUX
framr-1733	156	40	a	a	DET
framr-1733	156	41	relatively	relatively	ADV
framr-1733	156	42	new	new	ADJ
framr-1733	156	43	bank	bank	NOUN
framr-1733	156	44	that	that	PRON
framr-1733	156	45	was	be	AUX
framr-1733	156	46	established	establish	VERB
framr-1733	156	47	in	in	ADP
framr-1733	156	48	2010	2010	NUM
framr-1733	156	49	but	but	CCONJ
framr-1733	156	50	did	do	AUX
framr-1733	156	51	not	not	PART
framr-1733	156	52	start	start	VERB
framr-1733	156	53	operating	operate	VERB
framr-1733	156	54	till	till	SCONJ
framr-1733	156	55	2014	2014	NUM
framr-1733	156	56	.	.	PUNCT
framr-1733	157	1	the	the	DET
framr-1733	157	2	nine	nine	NUM
framr-1733	157	3	banks	bank	NOUN
framr-1733	157	4	that	that	PRON
framr-1733	157	5	were	be	AUX
framr-1733	157	6	studied	study	VERB
framr-1733	157	7	were	be	AUX
framr-1733	157	8	commercial	commercial	ADJ
framr-1733	157	9	bank	bank	PROPN
framr-1733	157	10	of	of	ADP
framr-1733	157	11	kuwait	kuwait	PROPN
framr-1733	157	12	(	(	PUNCT
framr-1733	157	13	cbk	cbk	PROPN
framr-1733	157	14	)	)	PUNCT
framr-1733	157	15	,	,	PUNCT
framr-1733	157	16	national	national	PROPN
framr-1733	157	17	bank	bank	PROPN
framr-1733	157	18	of	of	ADP
framr-1733	157	19	kuwait	kuwait	PROPN
framr-1733	157	20	(	(	PUNCT
framr-1733	157	21	nbk	nbk	PROPN
framr-1733	157	22	)	)	PUNCT
framr-1733	157	23	,	,	PUNCT
framr-1733	157	24	gulf	gulf	PROPN
framr-1733	157	25	bank	bank	PROPN
framr-1733	157	26	(	(	PUNCT
framr-1733	157	27	gbk	gbk	PROPN
framr-1733	157	28	)	)	PUNCT
framr-1733	157	29	,	,	PUNCT
framr-1733	157	30	alahli	alahli	VERB
framr-1733	157	31	bank	bank	PROPN
framr-1733	157	32	(	(	PUNCT
framr-1733	157	33	abk	abk	PROPN
framr-1733	157	34	)	)	PUNCT
framr-1733	157	35	,	,	PUNCT
framr-1733	157	36	burgan	burgan	NOUN
framr-1733	157	37	bank	bank	PROPN
framr-1733	157	38	(	(	PUNCT
framr-1733	157	39	bbk	bbk	INTJ
framr-1733	157	40	)	)	PUNCT
framr-1733	157	41	,	,	PUNCT
framr-1733	157	42	kuwait	kuwait	PROPN
framr-1733	157	43	finance	finance	PROPN
framr-1733	157	44	house	house	PROPN
framr-1733	157	45	(	(	PUNCT
framr-1733	157	46	kfh	kfh	PROPN
framr-1733	157	47	)	)	PUNCT
framr-1733	157	48	,	,	PUNCT
framr-1733	157	49	boubyan	boubyan	PROPN
framr-1733	157	50	bank	bank	PROPN
framr-1733	157	51	(	(	PUNCT
framr-1733	157	52	buk	buk	PROPN
framr-1733	157	53	)	)	PUNCT
framr-1733	157	54	,	,	PUNCT
framr-1733	157	55	kuwait	kuwait	PROPN
framr-1733	157	56	international	international	PROPN
framr-1733	157	57	bank	bank	PROPN
framr-1733	157	58	(	(	PUNCT
framr-1733	157	59	kib	kib	PROPN
framr-1733	157	60	)	)	PUNCT
framr-1733	157	61	,	,	PUNCT
framr-1733	157	62	and	and	CCONJ
framr-1733	157	63	ahli	ahli	PROPN
framr-1733	157	64	united	united	PROPN
framr-1733	157	65	bank	bank	PROPN
framr-1733	157	66	(	(	PUNCT
framr-1733	157	67	aub	aub	NOUN
framr-1733	157	68	)	)	PUNCT
framr-1733	157	69	.	.	PUNCT
framr-1733	158	1	the	the	DET
framr-1733	158	2	results	result	NOUN
framr-1733	158	3	are	be	AUX
framr-1733	158	4	based	base	VERB
framr-1733	158	5	on	on	ADP
framr-1733	158	6	the	the	DET
framr-1733	158	7	bank	bank	NOUN
framr-1733	158	8	’s	’s	PART
framr-1733	158	9	annual	annual	ADJ
framr-1733	158	10	data	datum	NOUN
framr-1733	158	11	covering	cover	VERB
framr-1733	158	12	the	the	DET
framr-1733	158	13	period	period	NOUN
framr-1733	158	14	2011	2011	NUM
framr-1733	158	15	-	-	SYM
framr-1733	158	16	2016	2016	NUM
framr-1733	158	17	.	.	PUNCT
framr-1733	159	1	the	the	DET
framr-1733	159	2	data	datum	NOUN
framr-1733	159	3	for	for	ADP
framr-1733	159	4	this	this	DET
framr-1733	159	5	research	research	NOUN
framr-1733	159	6	were	be	AUX
framr-1733	159	7	obtained	obtain	VERB
framr-1733	159	8	from	from	ADP
framr-1733	159	9	the	the	DET
framr-1733	159	10	bank	bank	NOUN
framr-1733	159	11	’s	’s	PART
framr-1733	159	12	annual	annual	ADJ
framr-1733	159	13	reports	report	NOUN
framr-1733	159	14	and	and	CCONJ
framr-1733	159	15	the	the	DET
framr-1733	159	16	database	database	NOUN
framr-1733	159	17	of	of	ADP
framr-1733	159	18	the	the	DET
framr-1733	159	19	kuwait	kuwait	PROPN
framr-1733	159	20	institute	institute	PROPN
framr-1733	159	21	of	of	ADP
framr-1733	159	22	banking	banking	NOUN
framr-1733	159	23	studies	study	NOUN
framr-1733	159	24	.	.	PUNCT
framr-1733	160	1	the	the	DET
framr-1733	160	2	results	result	NOUN
framr-1733	160	3	shown	show	VERB
framr-1733	160	4	in	in	ADP
framr-1733	160	5	this	this	DET
framr-1733	160	6	research	research	NOUN
framr-1733	160	7	represents	represent	VERB
framr-1733	160	8	the	the	DET
framr-1733	160	9	average	average	NOUN
framr-1733	160	10	of	of	ADP
framr-1733	160	11	the	the	DET
framr-1733	160	12	ratios	ratio	NOUN
framr-1733	160	13	over	over	ADP
framr-1733	160	14	the	the	DET
framr-1733	160	15	study	study	NOUN
framr-1733	160	16	period	period	NOUN
framr-1733	160	17	.	.	PUNCT
framr-1733	161	1	with	with	ADP
framr-1733	161	2	the	the	DET
framr-1733	161	3	central	central	ADJ
framr-1733	161	4	bank	bank	PROPN
framr-1733	161	5	of	of	ADP
framr-1733	161	6	kuwait	kuwait	PROPN
framr-1733	161	7	setting	set	VERB
framr-1733	161	8	a	a	DET
framr-1733	161	9	minimum	minimum	ADJ
framr-1733	161	10	capital	capital	NOUN
framr-1733	161	11	adequacy	adequacy	NOUN
framr-1733	161	12	ratio	ratio	NOUN
framr-1733	161	13	(	(	PUNCT
framr-1733	161	14	car	car	NOUN
framr-1733	161	15	)	)	PUNCT
framr-1733	161	16	of	of	ADP
framr-1733	161	17	13.5	13.5	NUM
framr-1733	161	18	%	%	NOUN
framr-1733	161	19	,	,	PUNCT
framr-1733	161	20	it	it	PRON
framr-1733	161	21	can	can	AUX
framr-1733	161	22	be	be	AUX
framr-1733	161	23	seen	see	VERB
framr-1733	161	24	from	from	ADP
framr-1733	161	25	table	table	NOUN
framr-1733	161	26	7	7	NUM
framr-1733	161	27	that	that	PRON
framr-1733	161	28	all	all	PRON
framr-1733	161	29	of	of	ADP
framr-1733	161	30	the	the	DET
framr-1733	161	31	kuwaiti	kuwaiti	PROPN
framr-1733	161	32	banks	bank	NOUN
framr-1733	161	33	managed	manage	VERB
framr-1733	161	34	to	to	PART
framr-1733	161	35	meet	meet	VERB
framr-1733	161	36	that	that	DET
framr-1733	161	37	ratio	ratio	NOUN
framr-1733	161	38	.	.	PUNCT
framr-1733	162	1	with	with	ADP
framr-1733	162	2	kib	kib	PROPN
framr-1733	162	3	having	have	VERB
framr-1733	162	4	the	the	DET
framr-1733	162	5	highest	high	ADJ
framr-1733	162	6	car	car	NOUN
framr-1733	162	7	ratio	ratio	NOUN
framr-1733	162	8	among	among	ADP
framr-1733	162	9	all	all	DET
framr-1733	162	10	banks	bank	NOUN
framr-1733	162	11	with	with	ADP
framr-1733	162	12	23.23	23.23	NUM
framr-1733	162	13	%	%	NOUN
framr-1733	162	14	.	.	PUNCT
framr-1733	163	1	on	on	ADP
framr-1733	163	2	the	the	DET
framr-1733	163	3	other	other	ADJ
framr-1733	163	4	hand	hand	NOUN
framr-1733	163	5	,	,	PUNCT
framr-1733	163	6	kfh	kfh	PROPN
framr-1733	163	7	showed	show	VERB
framr-1733	163	8	the	the	DET
framr-1733	163	9	lowest	low	ADJ
framr-1733	163	10	car	car	NOUN
framr-1733	163	11	ratio	ratio	NOUN
framr-1733	163	12	of	of	ADP
framr-1733	163	13	15.98	15.98	NUM
framr-1733	163	14	%	%	NOUN
framr-1733	163	15	.	.	PUNCT
framr-1733	164	1	the	the	DET
framr-1733	164	2	average	average	ADJ
framr-1733	164	3	car	car	NOUN
framr-1733	164	4	for	for	ADP
framr-1733	164	5	the	the	DET
framr-1733	164	6	nine	nine	NUM
framr-1733	164	7	banks	bank	NOUN
framr-1733	164	8	under	under	ADP
framr-1733	164	9	study	study	NOUN
framr-1733	164	10	was	be	AUX
framr-1733	164	11	18.81	18.81	NUM
framr-1733	164	12	%	%	NOUN
framr-1733	164	13	.	.	PUNCT
framr-1733	165	1	only	only	ADV
framr-1733	165	2	three	three	NUM
framr-1733	165	3	banks	bank	NOUN
framr-1733	165	4	(	(	PUNCT
framr-1733	165	5	abk	abk	PROPN
framr-1733	165	6	,	,	PUNCT
framr-1733	165	7	buk	buk	PROPN
framr-1733	165	8	,	,	PUNCT
framr-1733	165	9	and	and	CCONJ
framr-1733	165	10	kib	kib	PROPN
framr-1733	165	11	)	)	PUNCT
framr-1733	165	12	had	have	VERB
framr-1733	165	13	a	a	DET
framr-1733	165	14	car	car	NOUN
framr-1733	165	15	ratio	ratio	NOUN
framr-1733	165	16	that	that	PRON
framr-1733	165	17	was	be	AUX
framr-1733	165	18	above	above	ADP
framr-1733	165	19	the	the	DET
framr-1733	165	20	financial	financial	ADJ
framr-1733	165	21	risk	risk	NOUN
framr-1733	165	22	and	and	CCONJ
framr-1733	165	23	management	management	NOUN
framr-1733	165	24	reviews	review	NOUN
framr-1733	165	25	,	,	PUNCT
framr-1733	165	26	2019	2019	NUM
framr-1733	165	27	,	,	PUNCT
framr-1733	165	28	5(1	5(1	NUM
framr-1733	165	29	):	):	PUNCT
framr-1733	165	30	55	55	NUM
framr-1733	165	31	-	-	SYM
framr-1733	165	32	69	69	NUM
framr-1733	165	33	61	61	NUM
framr-1733	165	34	©	©	PROPN
framr-1733	165	35	2019	2019	NUM
framr-1733	165	36	conscientia	conscientia	PROPN
framr-1733	165	37	beam	beam	PROPN
framr-1733	165	38	.	.	PUNCT
framr-1733	166	1	all	all	DET
framr-1733	166	2	rights	right	NOUN
framr-1733	166	3	reserved	reserve	VERB
framr-1733	166	4	.	.	PUNCT
framr-1733	167	1	average	average	ADJ
framr-1733	167	2	,	,	PUNCT
framr-1733	167	3	while	while	SCONJ
framr-1733	167	4	all	all	DET
framr-1733	167	5	remaining	remain	VERB
framr-1733	167	6	banks	bank	NOUN
framr-1733	167	7	were	be	AUX
framr-1733	167	8	below	below	ADP
framr-1733	167	9	average	average	ADJ
framr-1733	167	10	.	.	PUNCT
framr-1733	168	1	debt	debt	NOUN
framr-1733	168	2	-	-	PUNCT
framr-1733	168	3	equity	equity	NOUN
framr-1733	168	4	ratio	ratio	NOUN
framr-1733	168	5	shows	show	VERB
framr-1733	168	6	the	the	DET
framr-1733	168	7	degree	degree	NOUN
framr-1733	168	8	of	of	ADP
framr-1733	168	9	leverage	leverage	NOUN
framr-1733	168	10	of	of	ADP
framr-1733	168	11	the	the	DET
framr-1733	168	12	bank	bank	NOUN
framr-1733	168	13	,	,	PUNCT
framr-1733	168	14	a	a	DET
framr-1733	168	15	higher	high	ADJ
framr-1733	168	16	ratio	ratio	NOUN
framr-1733	168	17	would	would	AUX
framr-1733	168	18	indicate	indicate	VERB
framr-1733	168	19	that	that	SCONJ
framr-1733	168	20	the	the	DET
framr-1733	168	21	bank	bank	NOUN
framr-1733	168	22	is	be	AUX
framr-1733	168	23	aggressive	aggressive	ADJ
framr-1733	168	24	and	and	CCONJ
framr-1733	168	25	is	be	AUX
framr-1733	168	26	paying	pay	VERB
framr-1733	168	27	more	more	ADJ
framr-1733	168	28	attention	attention	NOUN
framr-1733	168	29	to	to	ADP
framr-1733	168	30	the	the	DET
framr-1733	168	31	profitability	profitability	NOUN
framr-1733	168	32	side	side	NOUN
framr-1733	168	33	and	and	CCONJ
framr-1733	168	34	less	less	ADJ
framr-1733	168	35	to	to	ADP
framr-1733	168	36	the	the	DET
framr-1733	168	37	protection	protection	NOUN
framr-1733	168	38	of	of	ADP
framr-1733	168	39	the	the	DET
framr-1733	168	40	depositors	depositor	NOUN
framr-1733	168	41	and	and	CCONJ
framr-1733	168	42	creditors	creditor	NOUN
framr-1733	168	43	and	and	CCONJ
framr-1733	168	44	vice	vice	NOUN
framr-1733	168	45	-	-	NOUN
framr-1733	168	46	versa	versa	NOUN
framr-1733	168	47	.	.	PUNCT
framr-1733	169	1	taub	taub	PROPN
framr-1733	169	2	(	(	PUNCT
framr-1733	169	3	1975	1975	NUM
framr-1733	169	4	)	)	PUNCT
framr-1733	169	5	analyzed	analyze	VERB
framr-1733	169	6	four	four	NUM
framr-1733	169	7	profitability	profitability	NOUN
framr-1733	169	8	metrics	metric	NOUN
framr-1733	169	9	against	against	ADP
framr-1733	169	10	debt	debt	NOUN
framr-1733	169	11	-	-	PUNCT
framr-1733	169	12	equity	equity	NOUN
framr-1733	169	13	ratio	ratio	NOUN
framr-1733	169	14	and	and	CCONJ
framr-1733	169	15	found	find	VERB
framr-1733	169	16	a	a	DET
framr-1733	169	17	statistically	statistically	ADV
framr-1733	169	18	positive	positive	ADJ
framr-1733	169	19	relation	relation	NOUN
framr-1733	169	20	between	between	ADP
framr-1733	169	21	debt	debt	NOUN
framr-1733	169	22	and	and	CCONJ
framr-1733	169	23	profitability	profitability	NOUN
framr-1733	169	24	.	.	PUNCT
framr-1733	170	1	abor	abor	NOUN
framr-1733	170	2	(	(	PUNCT
framr-1733	170	3	2005	2005	NUM
framr-1733	170	4	)	)	PUNCT
framr-1733	170	5	also	also	ADV
framr-1733	170	6	found	find	VERB
framr-1733	170	7	a	a	DET
framr-1733	170	8	statistically	statistically	ADV
framr-1733	170	9	positive	positive	ADJ
framr-1733	170	10	association	association	NOUN
framr-1733	170	11	between	between	ADP
framr-1733	170	12	total	total	ADJ
framr-1733	170	13	debt	debt	NOUN
framr-1733	170	14	and	and	CCONJ
framr-1733	170	15	bank	bank	NOUN
framr-1733	170	16	profitability	profitability	NOUN
framr-1733	170	17	.	.	PUNCT
framr-1733	171	1	by	by	ADP
framr-1733	171	2	looking	look	VERB
framr-1733	171	3	at	at	ADP
framr-1733	171	4	table	table	NOUN
framr-1733	171	5	7	7	NUM
framr-1733	171	6	it	it	PRON
framr-1733	171	7	can	can	AUX
framr-1733	171	8	be	be	AUX
framr-1733	171	9	seen	see	VERB
framr-1733	171	10	that	that	SCONJ
framr-1733	171	11	kib	kib	PROPN
framr-1733	171	12	is	be	AUX
framr-1733	171	13	the	the	DET
framr-1733	171	14	most	most	ADV
framr-1733	171	15	conservative	conservative	ADJ
framr-1733	171	16	bank	bank	NOUN
framr-1733	171	17	when	when	SCONJ
framr-1733	171	18	it	it	PRON
framr-1733	171	19	comes	come	VERB
framr-1733	171	20	to	to	ADP
framr-1733	171	21	leveraging	leverage	VERB
framr-1733	171	22	and	and	CCONJ
framr-1733	171	23	gbk	gbk	PROPN
framr-1733	171	24	is	be	AUX
framr-1733	171	25	the	the	DET
framr-1733	171	26	most	most	ADV
framr-1733	171	27	aggressive	aggressive	ADJ
framr-1733	171	28	bank	bank	NOUN
framr-1733	171	29	.	.	PUNCT
framr-1733	172	1	the	the	DET
framr-1733	172	2	average	average	ADJ
framr-1733	172	3	leverage	leverage	NOUN
framr-1733	172	4	for	for	ADP
framr-1733	172	5	the	the	DET
framr-1733	172	6	banks	bank	NOUN
framr-1733	172	7	was	be	AUX
framr-1733	172	8	7.07	7.07	NUM
framr-1733	172	9	times	time	NOUN
framr-1733	172	10	,	,	PUNCT
framr-1733	172	11	with	with	ADP
framr-1733	172	12	only	only	ADV
framr-1733	172	13	four	four	NUM
framr-1733	172	14	banks	bank	NOUN
framr-1733	172	15	(	(	PUNCT
framr-1733	172	16	kib	kib	PROPN
framr-1733	172	17	,	,	PUNCT
framr-1733	172	18	abk	abk	PROPN
framr-1733	172	19	,	,	PUNCT
framr-1733	172	20	nbk	nbk	PROPN
framr-1733	172	21	,	,	PUNCT
framr-1733	172	22	and	and	CCONJ
framr-1733	172	23	cbk	cbk	PROPN
framr-1733	172	24	)	)	PUNCT
framr-1733	172	25	being	be	AUX
framr-1733	172	26	leveraged	leverage	VERB
framr-1733	172	27	less	less	ADJ
framr-1733	172	28	than	than	ADP
framr-1733	172	29	the	the	DET
framr-1733	172	30	average	average	NOUN
framr-1733	172	31	.	.	PUNCT
framr-1733	173	1	equity	equity	NOUN
framr-1733	173	2	to	to	ADP
framr-1733	173	3	total	total	ADJ
framr-1733	173	4	assets	asset	NOUN
framr-1733	173	5	ratio	ratio	NOUN
framr-1733	173	6	is	be	AUX
framr-1733	173	7	a	a	DET
framr-1733	173	8	good	good	ADJ
framr-1733	173	9	indication	indication	NOUN
framr-1733	173	10	for	for	ADP
framr-1733	173	11	banks	bank	NOUN
framr-1733	173	12	capital	capital	NOUN
framr-1733	173	13	adequacy	adequacy	NOUN
framr-1733	173	14	.	.	PUNCT
framr-1733	174	1	roman	roman	NOUN
framr-1733	174	2	and	and	CCONJ
framr-1733	174	3	sargu	sargu	ADJ
framr-1733	174	4	(	(	PUNCT
framr-1733	174	5	2013	2013	NUM
framr-1733	174	6	)	)	PUNCT
framr-1733	174	7	argued	argue	VERB
framr-1733	174	8	that	that	SCONJ
framr-1733	174	9	holding	hold	VERB
framr-1733	174	10	a	a	DET
framr-1733	174	11	higher	high	ADJ
framr-1733	174	12	ratio	ratio	NOUN
framr-1733	174	13	would	would	AUX
framr-1733	174	14	indicate	indicate	VERB
framr-1733	174	15	a	a	DET
framr-1733	174	16	better	well	ADJ
framr-1733	174	17	position	position	NOUN
framr-1733	174	18	for	for	SCONJ
framr-1733	174	19	the	the	DET
framr-1733	174	20	bank	bank	NOUN
framr-1733	174	21	to	to	PART
framr-1733	174	22	handle	handle	VERB
framr-1733	174	23	any	any	DET
framr-1733	174	24	unexpected	unexpected	ADJ
framr-1733	174	25	losses	loss	NOUN
framr-1733	174	26	in	in	ADP
framr-1733	174	27	the	the	DET
framr-1733	174	28	future	future	NOUN
framr-1733	174	29	.	.	PUNCT
framr-1733	175	1	in	in	ADP
framr-1733	175	2	that	that	DET
framr-1733	175	3	category	category	NOUN
framr-1733	175	4	,	,	PUNCT
framr-1733	175	5	it	it	PRON
framr-1733	175	6	can	can	AUX
framr-1733	175	7	be	be	AUX
framr-1733	175	8	seen	see	VERB
framr-1733	175	9	that	that	SCONJ
framr-1733	175	10	kib	kib	PROPN
framr-1733	175	11	holds	hold	VERB
framr-1733	175	12	the	the	DET
framr-1733	175	13	highest	high	ADJ
framr-1733	175	14	equity	equity	NOUN
framr-1733	175	15	to	to	ADP
framr-1733	175	16	total	total	ADJ
framr-1733	175	17	assets	asset	NOUN
framr-1733	175	18	ratio	ratio	NOUN
framr-1733	175	19	followed	follow	VERB
framr-1733	175	20	by	by	ADP
framr-1733	175	21	abk	abk	PROPN
framr-1733	175	22	,	,	PUNCT
framr-1733	175	23	while	while	SCONJ
framr-1733	175	24	gbk	gbk	PROPN
framr-1733	175	25	had	have	VERB
framr-1733	175	26	the	the	DET
framr-1733	175	27	lowest	low	ADJ
framr-1733	175	28	ratio	ratio	NOUN
framr-1733	175	29	.	.	PUNCT
framr-1733	176	1	for	for	ADP
framr-1733	176	2	the	the	DET
framr-1733	176	3	nine	nine	NUM
framr-1733	176	4	banks	bank	NOUN
framr-1733	176	5	that	that	PRON
framr-1733	176	6	average	average	ADJ
framr-1733	176	7	ratio	ratio	NOUN
framr-1733	176	8	was	be	AUX
framr-1733	176	9	12.85	12.85	NUM
framr-1733	176	10	%	%	NOUN
framr-1733	176	11	,	,	PUNCT
framr-1733	176	12	only	only	ADV
framr-1733	176	13	four	four	NUM
framr-1733	176	14	banks	bank	NOUN
framr-1733	176	15	had	have	VERB
framr-1733	176	16	a	a	DET
framr-1733	176	17	ratio	ratio	NOUN
framr-1733	176	18	above	above	ADP
framr-1733	176	19	the	the	DET
framr-1733	176	20	average	average	NOUN
framr-1733	176	21	while	while	SCONJ
framr-1733	176	22	the	the	DET
framr-1733	176	23	remaining	remain	VERB
framr-1733	176	24	were	be	AUX
framr-1733	176	25	below	below	ADP
framr-1733	176	26	it	it	PRON
framr-1733	176	27	.	.	PUNCT
framr-1733	177	1	table-7	table-7	X
framr-1733	177	2	.	.	PUNCT
framr-1733	177	3	capital	capital	NOUN
framr-1733	177	4	adequacy	adequacy	NOUN
framr-1733	177	5	ratios	ratio	NOUN
framr-1733	177	6	.	.	PUNCT
framr-1733	178	1	capital	capital	NOUN
framr-1733	178	2	adequacy	adequacy	PROPN
framr-1733	178	3	bank	bank	NOUN
framr-1733	178	4	car	car	NOUN
framr-1733	178	5	ratio	ratio	NOUN
framr-1733	178	6	debt	debt	NOUN
framr-1733	178	7	/	/	SYM
framr-1733	178	8	equity	equity	NOUN
framr-1733	178	9	ratio	ratio	NOUN
framr-1733	178	10	equity	equity	NOUN
framr-1733	178	11	to	to	ADP
framr-1733	178	12	total	total	ADJ
framr-1733	178	13	assets	asset	NOUN
framr-1733	178	14	ratio	ratio	NOUN
framr-1733	178	15	government	government	NOUN
framr-1733	178	16	securities	security	NOUN
framr-1733	178	17	to	to	PART
framr-1733	178	18	total	total	VERB
framr-1733	178	19	investments	investment	NOUN
framr-1733	178	20	ratio	ratio	NOUN
framr-1733	178	21	group	group	PROPN
framr-1733	178	22	rank	rank	PROPN
framr-1733	178	23	%	%	PROPN
framr-1733	178	24	rank	rank	PROPN
framr-1733	178	25	times	times	PROPN
framr-1733	178	26	rank	rank	PROPN
framr-1733	178	27	%	%	NOUN
framr-1733	178	28	rank	rank	NOUN
framr-1733	178	29	%	%	NOUN
framr-1733	178	30	rank	rank	NOUN
framr-1733	178	31	mean	mean	PROPN
framr-1733	179	1	rank	rank	PROPN
framr-1733	179	2	cbk	cbk	PROPN
framr-1733	179	3	18.56	18.56	NUM
framr-1733	179	4	4	4	NUM
framr-1733	179	5	6.01	6.01	NUM
framr-1733	179	6	4	4	NUM
framr-1733	179	7	14.30	14.30	NUM
framr-1733	179	8	4	4	NUM
framr-1733	179	9	54.08	54.08	NUM
framr-1733	179	10	6	6	NUM
framr-1733	179	11	4.50	4.50	NUM
framr-1733	179	12	3	3	NUM
framr-1733	179	13	nbk	nbk	PROPN
framr-1733	179	14	16.94	16.94	NUM
framr-1733	179	15	6	6	NUM
framr-1733	179	16	5.87	5.87	NUM
framr-1733	179	17	3	3	NUM
framr-1733	179	18	14.67	14.67	NUM
framr-1733	179	19	3	3	NUM
framr-1733	179	20	30.02	30.02	NUM
framr-1733	179	21	8	8	NUM
framr-1733	179	22	5	5	NUM
framr-1733	179	23	4	4	NUM
framr-1733	179	24	gbk	gbk	PROPN
framr-1733	179	25	16.77	16.77	NUM
framr-1733	179	26	7	7	NUM
framr-1733	179	27	9.41	9.41	NUM
framr-1733	179	28	9	9	NUM
framr-1733	179	29	9.63	9.63	NUM
framr-1733	179	30	9	9	NUM
framr-1733	179	31	89.08	89.08	NUM
framr-1733	179	32	1	1	NUM
framr-1733	179	33	6.50	6.50	NUM
framr-1733	179	34	7	7	NUM
framr-1733	179	35	abk	abk	PROPN
framr-1733	179	36	23.04	23.04	NUM
framr-1733	179	37	2	2	NUM
framr-1733	179	38	5.62	5.62	NUM
framr-1733	179	39	2	2	NUM
framr-1733	179	40	15.33	15.33	NUM
framr-1733	179	41	2	2	NUM
framr-1733	179	42	66.97	66.97	NUM
framr-1733	179	43	4	4	NUM
framr-1733	179	44	2.50	2.50	NUM
framr-1733	179	45	2	2	NUM
framr-1733	179	46	bbk	bbk	PROPN
framr-1733	179	47	16.55	16.55	NUM
framr-1733	179	48	8	8	NUM
framr-1733	179	49	8.02	8.02	NUM
framr-1733	179	50	7	7	NUM
framr-1733	179	51	11.28	11.28	NUM
framr-1733	179	52	7	7	NUM
framr-1733	179	53	58.03	58.03	NUM
framr-1733	179	54	5	5	NUM
framr-1733	179	55	6.75	6.75	NUM
framr-1733	179	56	8	8	NUM
framr-1733	179	57	kfh	kfh	VERB
framr-1733	179	58	15.98	15.98	NUM
framr-1733	179	59	9	9	NUM
framr-1733	179	60	7.44	7.44	NUM
framr-1733	179	61	6	6	NUM
framr-1733	179	62	11.91	11.91	NUM
framr-1733	179	63	6	6	NUM
framr-1733	179	64	35.93	35.93	NUM
framr-1733	179	65	7	7	NUM
framr-1733	179	66	7.00	7.00	NUM
framr-1733	179	67	9	9	NUM
framr-1733	179	68	buk	buk	NOUN
framr-1733	179	69	20.56	20.56	NUM
framr-1733	179	70	3	3	NUM
framr-1733	179	71	7.09	7.09	NUM
framr-1733	179	72	5	5	NUM
framr-1733	179	73	12.60	12.60	NUM
framr-1733	179	74	5	5	NUM
framr-1733	179	75	9.12	9.12	NUM
framr-1733	179	76	9	9	NUM
framr-1733	179	77	5.50	5.50	NUM
framr-1733	179	78	5	5	NUM
framr-1733	179	79	kib	kib	NOUN
framr-1733	179	80	23.23	23.23	NUM
framr-1733	179	81	1	1	NUM
framr-1733	179	82	5.52	5.52	NUM
framr-1733	179	83	1	1	NUM
framr-1733	179	84	15.53	15.53	NUM
framr-1733	179	85	1	1	NUM
framr-1733	179	86	79.12	79.12	NUM
framr-1733	179	87	2	2	NUM
framr-1733	179	88	1.25	1.25	NUM
framr-1733	179	89	1	1	NUM
framr-1733	179	90	aub	aub	NOUN
framr-1733	179	91	17.70	17.70	NUM
framr-1733	179	92	5	5	NUM
framr-1733	179	93	8.66	8.66	NUM
framr-1733	179	94	8	8	NUM
framr-1733	179	95	10.44	10.44	NUM
framr-1733	179	96	8	8	NUM
framr-1733	179	97	75.15	75.15	NUM
framr-1733	179	98	3	3	NUM
framr-1733	179	99	6	6	NUM
framr-1733	179	100	6	6	NUM
framr-1733	179	101	mean	mean	NOUN
framr-1733	179	102	18.81	18.81	NUM
framr-1733	179	103	7.07	7.07	NUM
framr-1733	179	104	12.85	12.85	NUM
framr-1733	179	105	55.28	55.28	NUM
framr-1733	179	106	with	with	ADP
framr-1733	179	107	government	government	NOUN
framr-1733	179	108	securities	security	NOUN
framr-1733	179	109	being	be	AUX
framr-1733	179	110	the	the	DET
framr-1733	179	111	safest	safe	ADJ
framr-1733	179	112	investment	investment	NOUN
framr-1733	179	113	instruments	instrument	NOUN
framr-1733	179	114	a	a	DET
framr-1733	179	115	bank	bank	NOUN
framr-1733	179	116	can	can	AUX
framr-1733	179	117	invest	invest	VERB
framr-1733	179	118	in	in	ADP
framr-1733	179	119	,	,	PUNCT
framr-1733	179	120	the	the	DET
framr-1733	179	121	government	government	NOUN
framr-1733	179	122	securities	security	NOUN
framr-1733	179	123	to	to	PART
framr-1733	179	124	total	total	ADJ
framr-1733	179	125	investment	investment	NOUN
framr-1733	179	126	ratio	ratio	NOUN
framr-1733	179	127	indicates	indicate	VERB
framr-1733	179	128	the	the	DET
framr-1733	179	129	quantum	quantum	NOUN
framr-1733	179	130	of	of	ADP
framr-1733	179	131	safe	safe	ADJ
framr-1733	179	132	investments	investment	NOUN
framr-1733	179	133	a	a	DET
framr-1733	179	134	bank	bank	NOUN
framr-1733	179	135	holds	hold	VERB
framr-1733	179	136	.	.	PUNCT
framr-1733	180	1	this	this	DET
framr-1733	180	2	ratio	ratio	NOUN
framr-1733	180	3	shows	show	VERB
framr-1733	180	4	how	how	SCONJ
framr-1733	180	5	risk	risk	NOUN
framr-1733	180	6	averse	averse	ADJ
framr-1733	180	7	the	the	DET
framr-1733	180	8	bank	bank	NOUN
framr-1733	180	9	is	be	AUX
framr-1733	180	10	,	,	PUNCT
framr-1733	180	11	but	but	CCONJ
framr-1733	180	12	despite	despite	SCONJ
framr-1733	180	13	government	government	NOUN
framr-1733	180	14	securities	security	NOUN
framr-1733	180	15	being	be	AUX
framr-1733	180	16	almost	almost	ADV
framr-1733	180	17	risk	risk	NOUN
framr-1733	180	18	-	-	PUNCT
framr-1733	180	19	free	free	ADJ
framr-1733	180	20	that	that	PRON
framr-1733	180	21	comes	come	VERB
framr-1733	180	22	with	with	ADP
framr-1733	180	23	a	a	DET
framr-1733	180	24	cost	cost	NOUN
framr-1733	180	25	of	of	ADP
framr-1733	180	26	yielding	yield	VERB
framr-1733	180	27	the	the	DET
framr-1733	180	28	lowest	low	ADJ
framr-1733	180	29	returns	return	NOUN
framr-1733	180	30	.	.	PUNCT
framr-1733	181	1	having	have	VERB
framr-1733	181	2	a	a	DET
framr-1733	181	3	high	high	ADJ
framr-1733	181	4	ratio	ratio	NOUN
framr-1733	181	5	would	would	AUX
framr-1733	181	6	indicate	indicate	VERB
framr-1733	181	7	that	that	SCONJ
framr-1733	181	8	the	the	DET
framr-1733	181	9	bank	bank	NOUN
framr-1733	181	10	is	be	AUX
framr-1733	181	11	conservative	conservative	ADJ
framr-1733	181	12	when	when	SCONJ
framr-1733	181	13	it	it	PRON
framr-1733	181	14	comes	come	VERB
framr-1733	181	15	to	to	ADP
framr-1733	181	16	investing	investing	NOUN
framr-1733	181	17	but	but	CCONJ
framr-1733	181	18	this	this	PRON
framr-1733	181	19	would	would	AUX
framr-1733	181	20	affect	affect	VERB
framr-1733	181	21	its	its	PRON
framr-1733	181	22	profitability	profitability	NOUN
framr-1733	181	23	.	.	PUNCT
framr-1733	182	1	in	in	ADP
framr-1733	182	2	that	that	DET
framr-1733	182	3	category	category	NOUN
framr-1733	182	4	it	it	PRON
framr-1733	182	5	can	can	AUX
framr-1733	182	6	be	be	AUX
framr-1733	182	7	seen	see	VERB
framr-1733	182	8	that	that	SCONJ
framr-1733	182	9	gbk	gbk	PROPN
framr-1733	182	10	is	be	AUX
framr-1733	182	11	the	the	DET
framr-1733	182	12	most	most	ADV
framr-1733	182	13	conservative	conservative	ADJ
framr-1733	182	14	bank	bank	NOUN
framr-1733	182	15	in	in	ADP
framr-1733	182	16	kuwait	kuwait	PROPN
framr-1733	182	17	followed	follow	VERB
framr-1733	182	18	by	by	ADP
framr-1733	182	19	kib	kib	NOUN
framr-1733	182	20	with	with	ADP
framr-1733	182	21	ratios	ratio	NOUN
framr-1733	182	22	of	of	ADP
framr-1733	182	23	89.08	89.08	NUM
framr-1733	182	24	%	%	NOUN
framr-1733	182	25	and	and	CCONJ
framr-1733	182	26	79.12	79.12	NUM
framr-1733	182	27	%	%	NOUN
framr-1733	182	28	respectively	respectively	ADV
framr-1733	182	29	.	.	PUNCT
framr-1733	183	1	on	on	ADP
framr-1733	183	2	the	the	DET
framr-1733	183	3	other	other	ADJ
framr-1733	183	4	hand	hand	NOUN
framr-1733	183	5	aub	aub	INTJ
framr-1733	183	6	had	have	VERB
framr-1733	183	7	by	by	ADP
framr-1733	183	8	far	far	ADV
framr-1733	183	9	the	the	DET
framr-1733	183	10	lowest	low	ADJ
framr-1733	183	11	ratio	ratio	NOUN
framr-1733	183	12	of	of	ADP
framr-1733	183	13	only	only	ADV
framr-1733	183	14	9.12	9.12	NUM
framr-1733	183	15	%	%	NOUN
framr-1733	183	16	flowed	flow	VERB
framr-1733	183	17	by	by	ADP
framr-1733	183	18	nbk	nbk	PROPN
framr-1733	183	19	with	with	ADP
framr-1733	183	20	30.02	30.02	NUM
framr-1733	183	21	%	%	NOUN
framr-1733	183	22	.	.	PUNCT
framr-1733	184	1	taking	take	VERB
framr-1733	184	2	the	the	DET
framr-1733	184	3	average	average	ADJ
framr-1733	184	4	score	score	NOUN
framr-1733	184	5	of	of	ADP
framr-1733	184	6	the	the	DET
framr-1733	184	7	four	four	NUM
framr-1733	184	8	capital	capital	NOUN
framr-1733	184	9	adequacy	adequacy	NOUN
framr-1733	184	10	ratios	ratio	NOUN
framr-1733	184	11	,	,	PUNCT
framr-1733	184	12	it	it	PRON
framr-1733	184	13	can	can	AUX
framr-1733	184	14	be	be	AUX
framr-1733	184	15	seen	see	VERB
framr-1733	184	16	that	that	SCONJ
framr-1733	184	17	kib	kib	PROPN
framr-1733	184	18	had	have	VERB
framr-1733	184	19	the	the	DET
framr-1733	184	20	best	good	ADJ
framr-1733	184	21	score	score	NOUN
framr-1733	184	22	of	of	ADP
framr-1733	184	23	2.25	2.25	NUM
framr-1733	184	24	followed	follow	VERB
framr-1733	184	25	by	by	ADP
framr-1733	184	26	abk	abk	PROPN
framr-1733	184	27	with	with	ADP
framr-1733	184	28	2.75	2.75	NUM
framr-1733	184	29	.	.	PUNCT
framr-1733	185	1	on	on	ADP
framr-1733	185	2	the	the	DET
framr-1733	185	3	opposite	opposite	ADJ
framr-1733	185	4	side	side	NOUN
framr-1733	185	5	kfh	kfh	PROPN
framr-1733	185	6	had	have	VERB
framr-1733	185	7	the	the	DET
framr-1733	185	8	worst	bad	ADJ
framr-1733	185	9	score	score	NOUN
framr-1733	185	10	with	with	ADP
framr-1733	185	11	7.75	7.75	NUM
framr-1733	185	12	followed	follow	VERB
framr-1733	185	13	by	by	ADP
framr-1733	185	14	bbk	bbk	PROPN
framr-1733	185	15	with	with	ADP
framr-1733	185	16	a	a	DET
framr-1733	185	17	score	score	NOUN
framr-1733	185	18	of	of	ADP
framr-1733	185	19	7	7	NUM
framr-1733	185	20	.	.	PUNCT
framr-1733	186	1	when	when	SCONJ
framr-1733	186	2	it	it	PRON
framr-1733	186	3	comes	come	VERB
framr-1733	186	4	to	to	ADP
framr-1733	186	5	the	the	DET
framr-1733	186	6	overall	overall	ADJ
framr-1733	186	7	ranking	ranking	NOUN
framr-1733	186	8	for	for	ADP
framr-1733	186	9	banks	bank	NOUN
framr-1733	186	10	in	in	ADP
framr-1733	186	11	term	term	NOUN
framr-1733	186	12	of	of	ADP
framr-1733	186	13	capital	capital	NOUN
framr-1733	186	14	adequacy	adequacy	NOUN
framr-1733	186	15	,	,	PUNCT
framr-1733	186	16	it	it	PRON
framr-1733	186	17	can	can	AUX
framr-1733	186	18	be	be	AUX
framr-1733	186	19	seen	see	VERB
framr-1733	186	20	that	that	SCONJ
framr-1733	186	21	kib	kib	PROPN
framr-1733	186	22	was	be	AUX
framr-1733	186	23	the	the	DET
framr-1733	186	24	best	good	ADJ
framr-1733	186	25	performer	performer	NOUN
framr-1733	186	26	in	in	ADP
framr-1733	186	27	that	that	DET
framr-1733	186	28	category	category	NOUN
framr-1733	186	29	followed	follow	VERB
framr-1733	186	30	by	by	ADP
framr-1733	186	31	abk	abk	PROPN
framr-1733	186	32	.	.	PUNCT
framr-1733	187	1	while	while	SCONJ
framr-1733	187	2	the	the	DET
framr-1733	187	3	worst	bad	ADJ
framr-1733	187	4	performer	performer	NOUN
framr-1733	187	5	was	be	AUX
framr-1733	187	6	kfh	kfh	VERB
framr-1733	187	7	followed	follow	VERB
framr-1733	187	8	by	by	ADP
framr-1733	187	9	bbk	bbk	PROPN
framr-1733	187	10	.	.	PROPN
framr-1733	188	1	for	for	ADP
framr-1733	188	2	the	the	DET
framr-1733	188	3	group	group	NOUN
framr-1733	188	4	ranking	ranking	NOUN
framr-1733	188	5	,	,	PUNCT
framr-1733	188	6	kib	kib	PROPN
framr-1733	188	7	came	come	VERB
framr-1733	188	8	at	at	ADP
framr-1733	188	9	the	the	DET
framr-1733	188	10	top	top	NOUN
framr-1733	188	11	of	of	ADP
framr-1733	188	12	all	all	PRON
framr-1733	188	13	kuwaiti	kuwaiti	PROPN
framr-1733	188	14	banks	bank	NOUN
framr-1733	188	15	followed	follow	VERB
framr-1733	188	16	by	by	ADP
framr-1733	188	17	abk	abk	PROPN
framr-1733	188	18	,	,	PUNCT
framr-1733	188	19	while	while	SCONJ
framr-1733	188	20	kfh	kfh	PROPN
framr-1733	188	21	came	come	VERB
framr-1733	188	22	at	at	ADP
framr-1733	188	23	the	the	DET
framr-1733	188	24	bottom	bottom	NOUN
framr-1733	188	25	of	of	ADP
framr-1733	188	26	the	the	DET
framr-1733	188	27	list	list	NOUN
framr-1733	188	28	.	.	PUNCT
framr-1733	189	1	baral	baral	PROPN
framr-1733	189	2	(	(	PUNCT
framr-1733	189	3	2005	2005	NUM
framr-1733	189	4	)	)	PUNCT
framr-1733	189	5	argued	argue	VERB
framr-1733	189	6	that	that	SCONJ
framr-1733	189	7	credit	credit	NOUN
framr-1733	189	8	risk	risk	NOUN
framr-1733	189	9	in	in	ADP
framr-1733	189	10	the	the	DET
framr-1733	189	11	form	form	NOUN
framr-1733	189	12	of	of	ADP
framr-1733	189	13	non	non	ADJ
framr-1733	189	14	-	-	ADJ
framr-1733	189	15	performing	perform	VERB
framr-1733	189	16	assets	asset	NOUN
framr-1733	189	17	(	(	PUNCT
framr-1733	189	18	npas	npas	PROPN
framr-1733	189	19	)	)	PUNCT
framr-1733	189	20	is	be	AUX
framr-1733	189	21	one	one	NUM
framr-1733	189	22	of	of	ADP
framr-1733	189	23	the	the	DET
framr-1733	189	24	most	most	ADV
framr-1733	189	25	crucial	crucial	ADJ
framr-1733	189	26	factors	factor	NOUN
framr-1733	189	27	that	that	PRON
framr-1733	189	28	have	have	VERB
framr-1733	189	29	an	an	DET
framr-1733	189	30	impact	impact	NOUN
framr-1733	189	31	on	on	ADP
framr-1733	189	32	the	the	DET
framr-1733	189	33	financial	financial	ADJ
framr-1733	189	34	health	health	NOUN
framr-1733	189	35	of	of	ADP
framr-1733	189	36	a	a	DET
framr-1733	189	37	bank	bank	NOUN
framr-1733	189	38	.	.	PUNCT
framr-1733	190	1	net	net	ADJ
framr-1733	190	2	npas	npas	PROPN
framr-1733	190	3	to	to	ADP
framr-1733	190	4	net	net	ADJ
framr-1733	190	5	loan	loan	NOUN
framr-1733	190	6	is	be	AUX
framr-1733	190	7	used	use	VERB
framr-1733	190	8	to	to	PART
framr-1733	190	9	determine	determine	VERB
framr-1733	190	10	the	the	DET
framr-1733	190	11	size	size	NOUN
framr-1733	190	12	of	of	ADP
framr-1733	190	13	npas	npas	NUM
framr-1733	190	14	compared	compare	VERB
framr-1733	190	15	to	to	ADP
framr-1733	190	16	the	the	DET
framr-1733	190	17	loans	loan	NOUN
framr-1733	190	18	portfolio	portfolio	NOUN
framr-1733	190	19	of	of	ADP
framr-1733	190	20	the	the	DET
framr-1733	190	21	bank	bank	NOUN
framr-1733	190	22	.	.	PUNCT
framr-1733	191	1	rajender	rajender	PROPN
framr-1733	191	2	(	(	PUNCT
framr-1733	191	3	2009	2009	NUM
framr-1733	191	4	)	)	PUNCT
framr-1733	191	5	suggests	suggest	VERB
framr-1733	191	6	that	that	SCONJ
framr-1733	191	7	the	the	DET
framr-1733	191	8	growth	growth	NOUN
framr-1733	191	9	of	of	ADP
framr-1733	191	10	npas	npas	NOUN
framr-1733	191	11	in	in	ADP
framr-1733	191	12	a	a	DET
framr-1733	191	13	bank	bank	NOUN
framr-1733	191	14	presents	present	VERB
framr-1733	191	15	a	a	DET
framr-1733	191	16	challenge	challenge	NOUN
framr-1733	191	17	for	for	ADP
framr-1733	191	18	the	the	DET
framr-1733	191	19	bank	bank	NOUN
framr-1733	191	20	since	since	SCONJ
framr-1733	191	21	it	it	PRON
framr-1733	191	22	affects	affect	VERB
framr-1733	191	23	the	the	DET
framr-1733	191	24	performance	performance	NOUN
framr-1733	191	25	of	of	ADP
framr-1733	191	26	the	the	DET
framr-1733	191	27	bank	bank	NOUN
framr-1733	191	28	.	.	PUNCT
framr-1733	192	1	looking	look	VERB
framr-1733	192	2	at	at	ADP
framr-1733	192	3	table	table	NOUN
framr-1733	192	4	8	8	NUM
framr-1733	192	5	it	it	PRON
framr-1733	192	6	can	can	AUX
framr-1733	192	7	be	be	AUX
framr-1733	192	8	seen	see	VERB
framr-1733	192	9	that	that	SCONJ
framr-1733	192	10	buk	buk	PROPN
framr-1733	192	11	has	have	VERB
framr-1733	192	12	the	the	DET
framr-1733	192	13	lowest	low	ADJ
framr-1733	192	14	net	net	ADJ
framr-1733	192	15	npa	npa	PROPN
framr-1733	192	16	’s	’s	X
framr-1733	192	17	to	to	ADP
framr-1733	192	18	net	net	ADJ
framr-1733	192	19	loans	loan	NOUN
framr-1733	192	20	ratio	ratio	NOUN
framr-1733	192	21	of	of	ADP
framr-1733	192	22	0.90	0.90	NUM
framr-1733	192	23	%	%	NOUN
framr-1733	192	24	.	.	PUNCT
framr-1733	193	1	this	this	PRON
framr-1733	193	2	means	mean	VERB
framr-1733	193	3	that	that	SCONJ
framr-1733	193	4	npas	npa	NOUN
framr-1733	193	5	represents	represent	VERB
framr-1733	193	6	only	only	ADV
framr-1733	193	7	0.90	0.90	NUM
framr-1733	193	8	%	%	NOUN
framr-1733	193	9	of	of	ADP
framr-1733	193	10	buk	buk	PROPN
framr-1733	193	11	loans	loan	NOUN
framr-1733	193	12	,	,	PUNCT
framr-1733	193	13	while	while	SCONJ
framr-1733	193	14	gbk	gbk	PROPN
framr-1733	193	15	on	on	ADP
framr-1733	193	16	the	the	DET
framr-1733	193	17	other	other	ADJ
framr-1733	193	18	hand	hand	NOUN
framr-1733	193	19	has	have	VERB
framr-1733	193	20	the	the	DET
framr-1733	193	21	highest	high	ADJ
framr-1733	193	22	ratio	ratio	NOUN
framr-1733	193	23	of	of	ADP
framr-1733	193	24	6.58	6.58	NUM
framr-1733	193	25	%	%	NOUN
framr-1733	193	26	.	.	PUNCT
framr-1733	194	1	it	it	PRON
framr-1733	194	2	can	can	AUX
framr-1733	194	3	also	also	ADV
framr-1733	194	4	be	be	AUX
framr-1733	194	5	noted	note	VERB
framr-1733	194	6	that	that	SCONJ
framr-1733	194	7	net	net	ADJ
framr-1733	194	8	npas	npas	NOUN
framr-1733	194	9	to	to	ADP
framr-1733	194	10	net	net	ADJ
framr-1733	194	11	loans	loan	NOUN
framr-1733	194	12	financial	financial	ADJ
framr-1733	194	13	risk	risk	NOUN
framr-1733	194	14	and	and	CCONJ
framr-1733	194	15	management	management	NOUN
framr-1733	194	16	reviews	review	NOUN
framr-1733	194	17	,	,	PUNCT
framr-1733	194	18	2019	2019	NUM
framr-1733	194	19	,	,	PUNCT
framr-1733	194	20	5(1	5(1	NUM
framr-1733	194	21	):	):	PUNCT
framr-1733	194	22	55	55	NUM
framr-1733	194	23	-	-	SYM
framr-1733	194	24	69	69	NUM
framr-1733	194	25	62	62	NUM
framr-1733	194	26	©	©	PROPN
framr-1733	194	27	2019	2019	NUM
framr-1733	194	28	conscientia	conscientia	PROPN
framr-1733	194	29	beam	beam	PROPN
framr-1733	194	30	.	.	PUNCT
framr-1733	195	1	all	all	DET
framr-1733	195	2	rights	right	NOUN
framr-1733	195	3	reserved	reserve	VERB
framr-1733	195	4	.	.	PUNCT
framr-1733	196	1	and	and	CCONJ
framr-1733	196	2	advances	advance	NOUN
framr-1733	196	3	ratio	ratio	NOUN
framr-1733	196	4	is	be	AUX
framr-1733	196	5	in	in	ADP
framr-1733	196	6	a	a	DET
framr-1733	196	7	declining	decline	VERB
framr-1733	196	8	trend	trend	NOUN
framr-1733	196	9	from	from	ADP
framr-1733	196	10	2011	2011	NUM
framr-1733	196	11	to	to	ADP
framr-1733	196	12	2016	2016	NUM
framr-1733	196	13	.	.	PUNCT
framr-1733	197	1	the	the	DET
framr-1733	197	2	reason	reason	NOUN
framr-1733	197	3	for	for	ADP
framr-1733	197	4	the	the	DET
framr-1733	197	5	downtrend	downtrend	NOUN
framr-1733	197	6	is	be	AUX
framr-1733	197	7	that	that	SCONJ
framr-1733	197	8	kuwaiti	kuwaiti	PROPN
framr-1733	197	9	banks	bank	NOUN
framr-1733	197	10	,	,	PUNCT
framr-1733	197	11	as	as	ADP
framr-1733	197	12	for	for	ADP
framr-1733	197	13	all	all	DET
framr-1733	197	14	bank	bank	NOUN
framr-1733	197	15	in	in	ADP
framr-1733	197	16	the	the	DET
framr-1733	197	17	world	world	NOUN
framr-1733	197	18	,	,	PUNCT
framr-1733	197	19	faced	face	VERB
framr-1733	197	20	a	a	DET
framr-1733	197	21	growing	grow	VERB
framr-1733	197	22	numbers	number	NOUN
framr-1733	197	23	of	of	ADP
framr-1733	197	24	loan	loan	NOUN
framr-1733	197	25	defaults	default	NOUN
framr-1733	197	26	after	after	ADP
framr-1733	197	27	the	the	DET
framr-1733	197	28	global	global	ADJ
framr-1733	197	29	financial	financial	ADJ
framr-1733	197	30	crisis	crisis	NOUN
framr-1733	197	31	in	in	ADP
framr-1733	197	32	2008	2008	NUM
framr-1733	197	33	.	.	PUNCT
framr-1733	198	1	provisions	provision	NOUN
framr-1733	198	2	held	hold	VERB
framr-1733	198	3	for	for	ADP
framr-1733	198	4	credit	credit	NOUN
framr-1733	198	5	losses	loss	NOUN
framr-1733	198	6	gives	give	VERB
framr-1733	198	7	an	an	DET
framr-1733	198	8	indication	indication	NOUN
framr-1733	198	9	of	of	ADP
framr-1733	198	10	the	the	DET
framr-1733	198	11	severity	severity	NOUN
framr-1733	198	12	of	of	ADP
framr-1733	198	13	npas	npas	PROPN
framr-1733	198	14	,	,	PUNCT
framr-1733	198	15	the	the	PRON
framr-1733	198	16	higher	high	ADJ
framr-1733	198	17	the	the	DET
framr-1733	198	18	ratio	ratio	NOUN
framr-1733	198	19	means	mean	VERB
framr-1733	198	20	that	that	SCONJ
framr-1733	198	21	the	the	DET
framr-1733	198	22	bank	bank	NOUN
framr-1733	198	23	is	be	AUX
framr-1733	198	24	facing	face	VERB
framr-1733	198	25	problems	problem	NOUN
framr-1733	198	26	with	with	ADP
framr-1733	198	27	npas	npas	NOUN
framr-1733	198	28	and	and	CCONJ
framr-1733	198	29	is	be	AUX
framr-1733	198	30	taking	take	VERB
framr-1733	198	31	precautionary	precautionary	ADJ
framr-1733	198	32	measures	measure	NOUN
framr-1733	198	33	against	against	ADP
framr-1733	198	34	it	it	PRON
framr-1733	198	35	.	.	PUNCT
framr-1733	199	1	again	again	ADV
framr-1733	199	2	buk	buk	PROPN
framr-1733	199	3	held	hold	VERB
framr-1733	199	4	the	the	DET
framr-1733	199	5	lowest	low	ADJ
framr-1733	199	6	provisions	provision	NOUN
framr-1733	199	7	in	in	ADP
framr-1733	199	8	term	term	NOUN
framr-1733	199	9	of	of	ADP
framr-1733	199	10	total	total	ADJ
framr-1733	199	11	assets	asset	NOUN
framr-1733	199	12	of	of	ADP
framr-1733	199	13	2.43	2.43	NUM
framr-1733	199	14	%	%	NOUN
framr-1733	199	15	followed	follow	VERB
framr-1733	199	16	by	by	ADP
framr-1733	199	17	kib	kib	NOUN
framr-1733	199	18	of	of	ADP
framr-1733	199	19	3.72	3.72	NUM
framr-1733	199	20	%	%	NOUN
framr-1733	199	21	.	.	PUNCT
framr-1733	200	1	gbk	gbk	PROPN
framr-1733	200	2	had	have	VERB
framr-1733	200	3	the	the	DET
framr-1733	200	4	highest	high	ADJ
framr-1733	200	5	concern	concern	NOUN
framr-1733	200	6	when	when	SCONJ
framr-1733	200	7	it	it	PRON
framr-1733	200	8	comes	come	VERB
framr-1733	200	9	to	to	ADP
framr-1733	200	10	npas	npas	NOUN
framr-1733	200	11	with	with	ADP
framr-1733	200	12	provisions	provision	NOUN
framr-1733	200	13	reaching	reach	VERB
framr-1733	200	14	6.47	6.47	NUM
framr-1733	200	15	%	%	NOUN
framr-1733	200	16	followed	follow	VERB
framr-1733	200	17	by	by	ADP
framr-1733	200	18	abk	abk	PROPN
framr-1733	200	19	with	with	ADP
framr-1733	200	20	6.36	6.36	NUM
framr-1733	200	21	%	%	NOUN
framr-1733	200	22	.	.	PUNCT
framr-1733	201	1	table-8	table-8	NOUN
framr-1733	201	2	.	.	PUNCT
framr-1733	202	1	assets	asset	NOUN
framr-1733	202	2	quality	quality	NOUN
framr-1733	202	3	ratios	ratio	NOUN
framr-1733	202	4	.	.	PUNCT
framr-1733	203	1	assets	asset	NOUN
framr-1733	203	2	quality	quality	PROPN
framr-1733	203	3	bank	bank	PROPN
framr-1733	203	4	net	net	PROPN
framr-1733	203	5	npa	npa	PROPN
framr-1733	203	6	’s	’s	X
framr-1733	203	7	to	to	ADP
framr-1733	203	8	net	net	ADJ
framr-1733	203	9	loans	loan	NOUN
framr-1733	203	10	ratio	ratio	NOUN
framr-1733	203	11	provision	provision	NOUN
framr-1733	203	12	for	for	ADP
framr-1733	203	13	npa	npa	PROPN
framr-1733	203	14	to	to	PART
framr-1733	203	15	total	total	ADJ
framr-1733	203	16	assets	asset	NOUN
framr-1733	203	17	provisions	provision	NOUN
framr-1733	203	18	on	on	ADP
framr-1733	203	19	npa	npa	PROPN
framr-1733	203	20	to	to	ADP
framr-1733	203	21	npa	npa	NOUN
framr-1733	203	22	change	change	NOUN
framr-1733	203	23	in	in	ADP
framr-1733	203	24	npa	npa	PROPN
framr-1733	203	25	group	group	NOUN
framr-1733	203	26	rank	rank	NOUN
framr-1733	203	27	%	%	PROPN
framr-1733	203	28	rank	rank	PROPN
framr-1733	203	29	%	%	NOUN
framr-1733	203	30	rank	rank	NOUN
framr-1733	203	31	%	%	NOUN
framr-1733	203	32	rank	rank	NOUN
framr-1733	203	33	%	%	NOUN
framr-1733	204	1	rank	rank	NOUN
framr-1733	204	2	mean	mean	PROPN
framr-1733	204	3	rank	rank	NOUN
framr-1733	204	4	cbk	cbk	PROPN
framr-1733	204	5	1.01	1.01	NUM
framr-1733	204	6	2	2	NUM
framr-1733	204	7	5.45	5.45	NUM
framr-1733	204	8	6	6	NUM
framr-1733	204	9	810.81	810.81	NUM
framr-1733	204	10	9	9	NUM
framr-1733	204	11	-22.34	-22.34	SYM
framr-1733	204	12	2	2	NUM
framr-1733	204	13	4.75	4.75	NUM
framr-1733	204	14	3	3	NUM
framr-1733	204	15	nbk	nbk	PROPN
framr-1733	204	16	1.73	1.73	NUM
framr-1733	204	17	3	3	NUM
framr-1733	204	18	4.17	4.17	NUM
framr-1733	204	19	5	5	NUM
framr-1733	204	20	259.79	259.79	NUM
framr-1733	204	21	7	7	NUM
framr-1733	204	22	12.41	12.41	NUM
framr-1733	204	23	8	8	NUM
framr-1733	204	24	5.75	5.75	NUM
framr-1733	204	25	7	7	NUM
framr-1733	204	26	gbk	gbk	PROPN
framr-1733	204	27	6.58	6.58	NUM
framr-1733	204	28	9	9	NUM
framr-1733	204	29	6.47	6.47	NUM
framr-1733	204	30	9	9	NUM
framr-1733	204	31	164.94	164.94	NUM
framr-1733	204	32	5	5	NUM
framr-1733	204	33	-26.35	-26.35	SYM
framr-1733	204	34	1	1	NUM
framr-1733	204	35	6.00	6.00	NUM
framr-1733	204	36	8	8	NUM
framr-1733	204	37	abk	abk	NOUN
framr-1733	204	38	3.22	3.22	NUM
framr-1733	204	39	5	5	NUM
framr-1733	204	40	6.36	6.36	NUM
framr-1733	204	41	8	8	NUM
framr-1733	204	42	217.95	217.95	NUM
framr-1733	204	43	6	6	NUM
framr-1733	204	44	1.77	1.77	NUM
framr-1733	204	45	5	5	NUM
framr-1733	204	46	6.00	6.00	NUM
framr-1733	204	47	8	8	NUM
framr-1733	204	48	bbk	bbk	NOUN
framr-1733	204	49	5.73	5.73	NUM
framr-1733	204	50	8	8	NUM
framr-1733	204	51	4.03	4.03	NUM
framr-1733	204	52	4	4	NUM
framr-1733	204	53	85.42	85.42	NUM
framr-1733	204	54	1	1	NUM
framr-1733	204	55	11.46	11.46	NUM
framr-1733	204	56	7	7	NUM
framr-1733	204	57	5.00	5.00	NUM
framr-1733	204	58	5	5	NUM
framr-1733	204	59	kfh	kfh	VERB
framr-1733	204	60	5.40	5.40	NUM
framr-1733	204	61	6	6	NUM
framr-1733	204	62	5.97	5.97	NUM
framr-1733	204	63	7	7	NUM
framr-1733	204	64	129.14	129.14	NUM
framr-1733	204	65	3	3	NUM
framr-1733	204	66	-18.52	-18.52	NUM
framr-1733	204	67	4	4	NUM
framr-1733	204	68	5.00	5.00	NUM
framr-1733	204	69	5	5	NUM
framr-1733	204	70	buk	buk	NOUN
framr-1733	204	71	0.90	0.90	NUM
framr-1733	204	72	1	1	NUM
framr-1733	204	73	2.43	2.43	NUM
framr-1733	204	74	1	1	NUM
framr-1733	204	75	380.37	380.37	NUM
framr-1733	204	76	8	8	NUM
framr-1733	204	77	34.34	34.34	NUM
framr-1733	204	78	9	9	NUM
framr-1733	204	79	4.75	4.75	NUM
framr-1733	204	80	3	3	NUM
framr-1733	204	81	kib	kib	NOUN
framr-1733	204	82	5.60	5.60	NUM
framr-1733	204	83	7	7	NUM
framr-1733	204	84	3.72	3.72	NUM
framr-1733	204	85	2	2	NUM
framr-1733	204	86	120.61	120.61	NUM
framr-1733	204	87	2	2	NUM
framr-1733	204	88	-21.94	-21.94	PROPN
framr-1733	204	89	3	3	NUM
framr-1733	204	90	3.50	3.50	NUM
framr-1733	204	91	1	1	NUM
framr-1733	204	92	aub	aub	NOUN
framr-1733	204	93	2.72	2.72	NUM
framr-1733	204	94	4	4	NUM
framr-1733	204	95	3.94	3.94	NUM
framr-1733	204	96	3	3	NUM
framr-1733	204	97	145.65	145.65	NUM
framr-1733	204	98	4	4	NUM
framr-1733	204	99	7.39	7.39	NUM
framr-1733	204	100	6	6	NUM
framr-1733	204	101	4.25	4.25	NUM
framr-1733	204	102	2	2	NUM
framr-1733	204	103	mean	mean	NOUN
framr-1733	204	104	3.65	3.65	NUM
framr-1733	204	105	4.73	4.73	NUM
framr-1733	204	106	257.19	257.19	NUM
framr-1733	204	107	-2.42	-2.42	NUM
framr-1733	204	108	provisions	provision	NOUN
framr-1733	204	109	on	on	ADP
framr-1733	204	110	npas	npas	NOUN
framr-1733	204	111	to	to	ADP
framr-1733	204	112	npas	npas	NOUN
framr-1733	204	113	can	can	AUX
framr-1733	204	114	give	give	VERB
framr-1733	204	115	a	a	DET
framr-1733	204	116	slight	slight	ADJ
framr-1733	204	117	idea	idea	NOUN
framr-1733	204	118	of	of	ADP
framr-1733	204	119	the	the	DET
framr-1733	204	120	banks	bank	NOUN
framr-1733	204	121	quality	quality	NOUN
framr-1733	204	122	of	of	ADP
framr-1733	204	123	assets	asset	NOUN
framr-1733	204	124	.	.	PUNCT
framr-1733	205	1	while	while	SCONJ
framr-1733	205	2	holding	hold	VERB
framr-1733	205	3	a	a	DET
framr-1733	205	4	high	high	ADJ
framr-1733	205	5	provision	provision	NOUN
framr-1733	205	6	which	which	PRON
framr-1733	205	7	is	be	AUX
framr-1733	205	8	higher	high	ADJ
framr-1733	205	9	than	than	ADP
framr-1733	205	10	100	100	NUM
framr-1733	205	11	%	%	NOUN
framr-1733	205	12	of	of	ADP
framr-1733	205	13	the	the	DET
framr-1733	205	14	npas	npas	NOUN
framr-1733	205	15	is	be	AUX
framr-1733	205	16	seen	see	VERB
framr-1733	205	17	as	as	ADP
framr-1733	205	18	a	a	DET
framr-1733	205	19	sign	sign	NOUN
framr-1733	205	20	against	against	ADP
framr-1733	205	21	any	any	DET
framr-1733	205	22	defaults	default	NOUN
framr-1733	205	23	in	in	ADP
framr-1733	205	24	the	the	DET
framr-1733	205	25	future	future	NOUN
framr-1733	205	26	,	,	PUNCT
framr-1733	205	27	it	it	PRON
framr-1733	205	28	can	can	AUX
framr-1733	205	29	also	also	ADV
framr-1733	205	30	be	be	AUX
framr-1733	205	31	seen	see	VERB
framr-1733	205	32	as	as	ADP
framr-1733	205	33	a	a	DET
framr-1733	205	34	sign	sign	NOUN
framr-1733	205	35	of	of	ADP
framr-1733	205	36	the	the	DET
framr-1733	205	37	level	level	NOUN
framr-1733	205	38	of	of	ADP
framr-1733	205	39	the	the	DET
framr-1733	205	40	assets	asset	NOUN
framr-1733	205	41	quality	quality	NOUN
framr-1733	205	42	the	the	DET
framr-1733	205	43	bank	bank	NOUN
framr-1733	205	44	holds	hold	VERB
framr-1733	205	45	.	.	PUNCT
framr-1733	206	1	holding	hold	VERB
framr-1733	206	2	high	high	ADJ
framr-1733	206	3	provision	provision	NOUN
framr-1733	206	4	can	can	AUX
framr-1733	206	5	be	be	AUX
framr-1733	206	6	seen	see	VERB
framr-1733	206	7	as	as	SCONJ
framr-1733	206	8	if	if	SCONJ
framr-1733	206	9	the	the	DET
framr-1733	206	10	bank	bank	NOUN
framr-1733	206	11	is	be	AUX
framr-1733	206	12	holding	hold	VERB
framr-1733	206	13	bad	bad	ADJ
framr-1733	206	14	or	or	CCONJ
framr-1733	206	15	low	low	ADJ
framr-1733	206	16	quality	quality	NOUN
framr-1733	206	17	assets	asset	NOUN
framr-1733	206	18	and	and	CCONJ
framr-1733	206	19	for	for	ADP
framr-1733	206	20	that	that	PRON
framr-1733	206	21	he	he	PRON
framr-1733	206	22	is	be	AUX
framr-1733	206	23	building	build	VERB
framr-1733	206	24	provisions	provision	NOUN
framr-1733	206	25	for	for	ADP
framr-1733	206	26	it	it	PRON
framr-1733	206	27	.	.	PUNCT
framr-1733	207	1	for	for	ADP
framr-1733	207	2	that	that	PRON
framr-1733	207	3	it	it	PRON
framr-1733	207	4	can	can	AUX
framr-1733	207	5	be	be	AUX
framr-1733	207	6	seen	see	VERB
framr-1733	207	7	from	from	ADP
framr-1733	207	8	table	table	NOUN
framr-1733	207	9	8	8	NUM
framr-1733	207	10	that	that	PRON
framr-1733	207	11	bbk	bbk	INTJ
framr-1733	207	12	is	be	AUX
framr-1733	207	13	at	at	ADP
framr-1733	207	14	the	the	DET
framr-1733	207	15	top	top	NOUN
framr-1733	207	16	of	of	ADP
framr-1733	207	17	the	the	DET
framr-1733	207	18	list	list	NOUN
framr-1733	207	19	with	with	ADP
framr-1733	207	20	provisions	provision	NOUN
framr-1733	207	21	of	of	ADP
framr-1733	207	22	85.42	85.42	NUM
framr-1733	207	23	%	%	NOUN
framr-1733	207	24	followed	follow	VERB
framr-1733	207	25	be	be	VERB
framr-1733	207	26	kib	kib	PROPN
framr-1733	207	27	.	.	PUNCT
framr-1733	208	1	on	on	ADP
framr-1733	208	2	the	the	DET
framr-1733	208	3	other	other	ADJ
framr-1733	208	4	hand	hand	NOUN
framr-1733	208	5	cbk	cbk	PROPN
framr-1733	208	6	held	hold	VERB
framr-1733	208	7	the	the	DET
framr-1733	208	8	highest	high	ADJ
framr-1733	208	9	provision	provision	NOUN
framr-1733	208	10	among	among	ADP
framr-1733	208	11	the	the	DET
framr-1733	208	12	kuwaiti	kuwaiti	PROPN
framr-1733	208	13	banks	bank	NOUN
framr-1733	208	14	of	of	ADP
framr-1733	208	15	810.81	810.81	NUM
framr-1733	208	16	%	%	NOUN
framr-1733	208	17	.	.	PUNCT
framr-1733	209	1	on	on	ADP
framr-1733	209	2	an	an	DET
framr-1733	209	3	average	average	NOUN
framr-1733	209	4	the	the	DET
framr-1733	209	5	kuwaiti	kuwaiti	PROPN
framr-1733	209	6	banks	bank	NOUN
framr-1733	209	7	hold	hold	VERB
framr-1733	209	8	provision	provision	NOUN
framr-1733	209	9	of	of	ADP
framr-1733	209	10	257.19	257.19	NUM
framr-1733	209	11	%	%	NOUN
framr-1733	209	12	against	against	ADP
framr-1733	209	13	their	their	PRON
framr-1733	209	14	npas	npa	NOUN
framr-1733	209	15	,	,	PUNCT
framr-1733	209	16	where	where	SCONJ
framr-1733	209	17	six	six	NUM
framr-1733	209	18	banks	bank	NOUN
framr-1733	209	19	(	(	PUNCT
framr-1733	209	20	gbk	gbk	PROPN
framr-1733	209	21	,	,	PUNCT
framr-1733	209	22	abk	abk	PROPN
framr-1733	209	23	,	,	PUNCT
framr-1733	209	24	bbk	bbk	INTJ
framr-1733	209	25	,	,	PUNCT
framr-1733	209	26	kfh	kfh	PROPN
framr-1733	209	27	,	,	PUNCT
framr-1733	209	28	kib	kib	PROPN
framr-1733	209	29	,	,	PUNCT
framr-1733	209	30	and	and	CCONJ
framr-1733	209	31	aub	aub	X
framr-1733	209	32	)	)	PUNCT
framr-1733	209	33	held	hold	VERB
framr-1733	209	34	provisions	provision	NOUN
framr-1733	209	35	less	less	ADJ
framr-1733	209	36	than	than	ADP
framr-1733	209	37	the	the	DET
framr-1733	209	38	average	average	ADJ
framr-1733	209	39	and	and	CCONJ
framr-1733	209	40	three	three	NUM
framr-1733	209	41	banks	bank	NOUN
framr-1733	209	42	hold	hold	VERB
framr-1733	209	43	higher	high	ADJ
framr-1733	209	44	percentage	percentage	NOUN
framr-1733	209	45	.	.	PUNCT
framr-1733	210	1	the	the	DET
framr-1733	210	2	change	change	NOUN
framr-1733	210	3	in	in	ADP
framr-1733	210	4	npas	npas	PROPN
framr-1733	210	5	is	be	AUX
framr-1733	210	6	a	a	DET
framr-1733	210	7	good	good	ADJ
framr-1733	210	8	indicator	indicator	NOUN
framr-1733	210	9	on	on	ADP
framr-1733	210	10	the	the	DET
framr-1733	210	11	quality	quality	NOUN
framr-1733	210	12	of	of	ADP
framr-1733	210	13	assets	asset	NOUN
framr-1733	210	14	the	the	DET
framr-1733	210	15	bank	bank	NOUN
framr-1733	210	16	holds	hold	VERB
framr-1733	210	17	.	.	PUNCT
framr-1733	211	1	a	a	DET
framr-1733	211	2	decrease	decrease	NOUN
framr-1733	211	3	in	in	ADP
framr-1733	211	4	npas	npas	PROPN
framr-1733	211	5	would	would	AUX
framr-1733	211	6	indicate	indicate	VERB
framr-1733	211	7	that	that	SCONJ
framr-1733	211	8	the	the	DET
framr-1733	211	9	bank	bank	NOUN
framr-1733	211	10	is	be	AUX
framr-1733	211	11	improving	improve	VERB
framr-1733	211	12	the	the	DET
framr-1733	211	13	quality	quality	NOUN
framr-1733	211	14	of	of	ADP
framr-1733	211	15	assets	asset	NOUN
framr-1733	211	16	it	it	PRON
framr-1733	211	17	holds	hold	VERB
framr-1733	211	18	.	.	PUNCT
framr-1733	212	1	for	for	ADP
framr-1733	212	2	that	that	DET
framr-1733	212	3	matter	matter	NOUN
framr-1733	212	4	,	,	PUNCT
framr-1733	212	5	it	it	PRON
framr-1733	212	6	can	can	AUX
framr-1733	212	7	be	be	AUX
framr-1733	212	8	seen	see	VERB
framr-1733	212	9	that	that	SCONJ
framr-1733	212	10	gbk	gbk	PROPN
framr-1733	212	11	is	be	AUX
framr-1733	212	12	the	the	DET
framr-1733	212	13	best	good	ADJ
framr-1733	212	14	bank	bank	NOUN
framr-1733	212	15	in	in	ADP
framr-1733	212	16	that	that	DET
framr-1733	212	17	category	category	NOUN
framr-1733	212	18	with	with	ADP
framr-1733	212	19	an	an	DET
framr-1733	212	20	average	average	ADJ
framr-1733	212	21	decrease	decrease	NOUN
framr-1733	212	22	of	of	ADP
framr-1733	212	23	26.35	26.35	NUM
framr-1733	212	24	%	%	NOUN
framr-1733	212	25	on	on	ADP
framr-1733	212	26	their	their	PRON
framr-1733	212	27	npas	npas	NOUN
framr-1733	212	28	over	over	ADP
framr-1733	212	29	the	the	DET
framr-1733	212	30	past	past	ADJ
framr-1733	212	31	six	six	NUM
framr-1733	212	32	years	year	NOUN
framr-1733	212	33	.	.	PUNCT
framr-1733	213	1	on	on	ADP
framr-1733	213	2	the	the	DET
framr-1733	213	3	other	other	ADJ
framr-1733	213	4	hand	hand	NOUN
framr-1733	213	5	,	,	PUNCT
framr-1733	213	6	buk	buk	PROPN
framr-1733	213	7	was	be	AUX
framr-1733	213	8	the	the	DET
framr-1733	213	9	worse	bad	ADJ
framr-1733	213	10	with	with	ADP
framr-1733	213	11	an	an	DET
framr-1733	213	12	average	average	ADJ
framr-1733	213	13	increase	increase	NOUN
framr-1733	213	14	in	in	ADP
framr-1733	213	15	their	their	PRON
framr-1733	213	16	npas	npas	NOUN
framr-1733	213	17	of	of	ADP
framr-1733	213	18	34.34	34.34	NUM
framr-1733	213	19	%	%	NOUN
framr-1733	213	20	.	.	PUNCT
framr-1733	214	1	on	on	ADP
framr-1733	214	2	an	an	DET
framr-1733	214	3	average	average	NOUN
framr-1733	214	4	the	the	DET
framr-1733	214	5	kuwaiti	kuwaiti	PROPN
framr-1733	214	6	banks	bank	NOUN
framr-1733	214	7	are	be	AUX
framr-1733	214	8	improving	improve	VERB
framr-1733	214	9	their	their	PRON
framr-1733	214	10	assets	asset	NOUN
framr-1733	214	11	quality	quality	NOUN
framr-1733	214	12	by	by	ADP
framr-1733	214	13	decreasing	decrease	VERB
framr-1733	214	14	their	their	PRON
framr-1733	214	15	npas	npas	NOUN
framr-1733	214	16	by	by	ADP
framr-1733	214	17	2.42	2.42	NUM
framr-1733	214	18	%	%	NOUN
framr-1733	214	19	annually	annually	ADV
framr-1733	214	20	during	during	ADP
framr-1733	214	21	the	the	DET
framr-1733	214	22	past	past	ADJ
framr-1733	214	23	six	six	NUM
framr-1733	214	24	years	year	NOUN
framr-1733	214	25	.	.	PUNCT
framr-1733	215	1	in	in	ADP
framr-1733	215	2	that	that	DET
framr-1733	215	3	category	category	NOUN
framr-1733	215	4	,	,	PUNCT
framr-1733	215	5	assets	asset	NOUN
framr-1733	215	6	quality	quality	NOUN
framr-1733	215	7	,	,	PUNCT
framr-1733	215	8	it	it	PRON
framr-1733	215	9	can	can	AUX
framr-1733	215	10	be	be	AUX
framr-1733	215	11	seen	see	VERB
framr-1733	215	12	that	that	SCONJ
framr-1733	215	13	kib	kib	PROPN
framr-1733	215	14	was	be	AUX
framr-1733	215	15	the	the	DET
framr-1733	215	16	best	well	ADV
framr-1733	215	17	performing	perform	VERB
framr-1733	215	18	bank	bank	NOUN
framr-1733	215	19	in	in	ADP
framr-1733	215	20	kuwait	kuwait	PROPN
framr-1733	215	21	followed	follow	VERB
framr-1733	215	22	by	by	ADP
framr-1733	215	23	aub	aub	PROPN
framr-1733	215	24	.	.	PUNCT
framr-1733	216	1	on	on	ADP
framr-1733	216	2	the	the	DET
framr-1733	216	3	opposite	opposite	ADJ
framr-1733	216	4	side	side	NOUN
framr-1733	216	5	both	both	DET
framr-1733	216	6	gbk	gbk	PROPN
framr-1733	216	7	and	and	CCONJ
framr-1733	216	8	abk	abk	PROPN
framr-1733	216	9	came	come	VERB
framr-1733	216	10	tie	tie	VERB
framr-1733	216	11	on	on	ADP
framr-1733	216	12	being	be	AUX
framr-1733	216	13	the	the	DET
framr-1733	216	14	worse	bad	ADJ
framr-1733	216	15	in	in	ADP
framr-1733	216	16	the	the	DET
framr-1733	216	17	industry	industry	NOUN
framr-1733	216	18	.	.	PUNCT
framr-1733	217	1	one	one	NUM
framr-1733	217	2	of	of	ADP
framr-1733	217	3	the	the	DET
framr-1733	217	4	key	key	ADJ
framr-1733	217	5	indicators	indicator	NOUN
framr-1733	217	6	of	of	ADP
framr-1733	217	7	management	management	NOUN
framr-1733	217	8	efficiency	efficiency	NOUN
framr-1733	217	9	in	in	ADP
framr-1733	217	10	a	a	DET
framr-1733	217	11	bank	bank	NOUN
framr-1733	217	12	is	be	AUX
framr-1733	217	13	the	the	DET
framr-1733	217	14	expenditure	expenditure	NOUN
framr-1733	217	15	to	to	ADP
framr-1733	217	16	income	income	NOUN
framr-1733	217	17	ratio	ratio	NOUN
framr-1733	217	18	.	.	PUNCT
framr-1733	218	1	an	an	DET
framr-1733	218	2	efficient	efficient	ADJ
framr-1733	218	3	management	management	NOUN
framr-1733	218	4	would	would	AUX
framr-1733	218	5	work	work	VERB
framr-1733	218	6	hard	hard	ADV
framr-1733	218	7	to	to	PART
framr-1733	218	8	reduce	reduce	VERB
framr-1733	218	9	expenditure	expenditure	NOUN
framr-1733	218	10	and	and	CCONJ
framr-1733	218	11	increase	increase	VERB
framr-1733	218	12	income	income	NOUN
framr-1733	218	13	.	.	PUNCT
framr-1733	219	1	having	have	VERB
framr-1733	219	2	a	a	DET
framr-1733	219	3	lower	low	ADJ
framr-1733	219	4	ratio	ratio	NOUN
framr-1733	219	5	would	would	AUX
framr-1733	219	6	give	give	VERB
framr-1733	219	7	a	a	DET
framr-1733	219	8	hint	hint	NOUN
framr-1733	219	9	over	over	ADP
framr-1733	219	10	the	the	DET
framr-1733	219	11	efficiency	efficiency	NOUN
framr-1733	219	12	of	of	ADP
framr-1733	219	13	the	the	DET
framr-1733	219	14	bank	bank	NOUN
framr-1733	219	15	.	.	PUNCT
framr-1733	220	1	from	from	ADP
framr-1733	220	2	table	table	NOUN
framr-1733	220	3	9	9	NUM
framr-1733	220	4	it	it	PRON
framr-1733	220	5	can	can	AUX
framr-1733	220	6	be	be	AUX
framr-1733	220	7	seen	see	VERB
framr-1733	220	8	than	than	ADP
framr-1733	220	9	cbk	cbk	PROPN
framr-1733	220	10	has	have	VERB
framr-1733	220	11	the	the	DET
framr-1733	220	12	best	good	ADJ
framr-1733	220	13	expenditure	expenditure	NOUN
framr-1733	220	14	to	to	ADP
framr-1733	220	15	income	income	NOUN
framr-1733	220	16	ratio	ratio	NOUN
framr-1733	220	17	of	of	ADP
framr-1733	220	18	32.77	32.77	NUM
framr-1733	220	19	%	%	NOUN
framr-1733	220	20	.	.	PUNCT
framr-1733	221	1	this	this	PRON
framr-1733	221	2	means	mean	VERB
framr-1733	221	3	that	that	SCONJ
framr-1733	221	4	the	the	DET
framr-1733	221	5	bank	bank	NOUN
framr-1733	221	6	would	would	AUX
framr-1733	221	7	spend	spend	VERB
framr-1733	221	8	327.7	327.7	NUM
framr-1733	221	9	fils	fil	NOUN
framr-1733	221	10	to	to	PART
framr-1733	221	11	generate	generate	VERB
framr-1733	221	12	1	1	NUM
framr-1733	221	13	kwd	kwd	NOUN
framr-1733	221	14	of	of	ADP
framr-1733	221	15	income	income	NOUN
framr-1733	221	16	(	(	PUNCT
framr-1733	221	17	1	1	NUM
framr-1733	221	18	kwd	kwd	NOUN
framr-1733	221	19	=	=	SYM
framr-1733	221	20	1000	1000	NUM
framr-1733	221	21	fils	fil	NOUN
framr-1733	221	22	)	)	PUNCT
framr-1733	221	23	,	,	PUNCT
framr-1733	221	24	while	while	SCONJ
framr-1733	221	25	kfh	kfh	PROPN
framr-1733	221	26	had	have	VERB
framr-1733	221	27	the	the	DET
framr-1733	221	28	worse	bad	ADJ
framr-1733	221	29	ratio	ratio	NOUN
framr-1733	221	30	of	of	ADP
framr-1733	221	31	61.63	61.63	NUM
framr-1733	221	32	%	%	NOUN
framr-1733	221	33	.	.	PUNCT
framr-1733	222	1	paying	pay	VERB
framr-1733	222	2	more	more	ADJ
framr-1733	222	3	attention	attention	NOUN
framr-1733	222	4	to	to	ADP
framr-1733	222	5	the	the	DET
framr-1733	222	6	core	core	NOUN
framr-1733	222	7	business	business	NOUN
framr-1733	222	8	of	of	ADP
framr-1733	222	9	the	the	DET
framr-1733	222	10	bank	bank	NOUN
framr-1733	222	11	is	be	AUX
framr-1733	222	12	a	a	DET
framr-1733	222	13	good	good	ADJ
framr-1733	222	14	indicator	indicator	NOUN
framr-1733	222	15	of	of	ADP
framr-1733	222	16	management	management	NOUN
framr-1733	222	17	efficiency	efficiency	NOUN
framr-1733	222	18	.	.	PUNCT
framr-1733	223	1	with	with	ADP
framr-1733	223	2	providing	provide	VERB
framr-1733	223	3	loans	loan	NOUN
framr-1733	223	4	being	be	AUX
framr-1733	223	5	one	one	NUM
framr-1733	223	6	of	of	ADP
framr-1733	223	7	the	the	DET
framr-1733	223	8	core	core	NOUN
framr-1733	223	9	activities	activity	NOUN
framr-1733	223	10	of	of	ADP
framr-1733	223	11	any	any	DET
framr-1733	223	12	commercial	commercial	ADJ
framr-1733	223	13	bank	bank	NOUN
framr-1733	223	14	,	,	PUNCT
framr-1733	223	15	a	a	DET
framr-1733	223	16	higher	high	ADJ
framr-1733	223	17	loans	loan	NOUN
framr-1733	223	18	to	to	PART
framr-1733	223	19	deposit	deposit	VERB
framr-1733	223	20	ratio	ratio	NOUN
framr-1733	223	21	is	be	AUX
framr-1733	223	22	a	a	DET
framr-1733	223	23	good	good	ADJ
framr-1733	223	24	measure	measure	NOUN
framr-1733	223	25	of	of	ADP
framr-1733	223	26	management	management	NOUN
framr-1733	223	27	efficiency	efficiency	NOUN
framr-1733	223	28	.	.	PUNCT
framr-1733	224	1	as	as	SCONJ
framr-1733	224	2	seen	see	VERB
framr-1733	224	3	from	from	ADP
framr-1733	224	4	table	table	NOUN
framr-1733	224	5	9	9	NUM
framr-1733	224	6	abk	abk	NOUN
framr-1733	224	7	has	have	VERB
framr-1733	224	8	the	the	DET
framr-1733	224	9	highest	high	ADJ
framr-1733	224	10	average	average	ADJ
framr-1733	224	11	loans	loan	NOUN
framr-1733	224	12	to	to	ADP
framr-1733	224	13	deposits	deposit	NOUN
framr-1733	224	14	ratio	ratio	NOUN
framr-1733	224	15	of	of	ADP
framr-1733	224	16	88.97	88.97	NUM
framr-1733	224	17	%	%	NOUN
framr-1733	224	18	for	for	ADP
framr-1733	224	19	the	the	DET
framr-1733	224	20	years	year	NOUN
framr-1733	224	21	2011	2011	NUM
framr-1733	224	22	-	-	SYM
framr-1733	224	23	2016	2016	NUM
framr-1733	224	24	followed	follow	VERB
framr-1733	224	25	by	by	ADP
framr-1733	224	26	gbk	gbk	PROPN
framr-1733	224	27	with	with	ADP
framr-1733	224	28	84.28	84.28	NUM
framr-1733	224	29	%	%	NOUN
framr-1733	224	30	.	.	PUNCT
framr-1733	225	1	kfh	kfh	PROPN
framr-1733	225	2	came	come	VERB
framr-1733	225	3	at	at	ADP
framr-1733	225	4	the	the	DET
framr-1733	225	5	bottom	bottom	NOUN
framr-1733	225	6	of	of	ADP
framr-1733	225	7	the	the	DET
framr-1733	225	8	list	list	NOUN
framr-1733	225	9	with	with	ADP
framr-1733	225	10	only	only	ADV
framr-1733	225	11	66.60	66.60	NUM
framr-1733	225	12	%	%	NOUN
framr-1733	225	13	followed	follow	VERB
framr-1733	225	14	by	by	ADP
framr-1733	225	15	nbk	nbk	PROPN
framr-1733	225	16	with	with	ADP
framr-1733	225	17	71.75	71.75	NUM
framr-1733	225	18	%	%	NOUN
framr-1733	225	19	.	.	PUNCT
framr-1733	226	1	this	this	PRON
framr-1733	226	2	indicates	indicate	VERB
framr-1733	226	3	that	that	SCONJ
framr-1733	226	4	kfh	kfh	PROPN
framr-1733	226	5	and	and	CCONJ
framr-1733	226	6	nbk	nbk	PROPN
framr-1733	226	7	are	be	AUX
framr-1733	226	8	using	use	VERB
framr-1733	226	9	the	the	DET
framr-1733	226	10	funds	fund	NOUN
framr-1733	226	11	from	from	ADP
framr-1733	226	12	deposits	deposit	NOUN
framr-1733	226	13	in	in	ADP
framr-1733	226	14	activities	activity	NOUN
framr-1733	226	15	that	that	PRON
framr-1733	226	16	are	be	AUX
framr-1733	226	17	not	not	PART
framr-1733	226	18	core	core	ADJ
framr-1733	226	19	activity	activity	NOUN
framr-1733	226	20	of	of	ADP
framr-1733	226	21	a	a	DET
framr-1733	226	22	commercial	commercial	ADJ
framr-1733	226	23	bank	bank	NOUN
framr-1733	226	24	.	.	PUNCT
framr-1733	227	1	while	while	SCONJ
framr-1733	227	2	nbk	nbk	PROPN
framr-1733	227	3	is	be	AUX
framr-1733	227	4	next	next	ADJ
framr-1733	227	5	to	to	ADP
framr-1733	227	6	the	the	DET
framr-1733	227	7	bottom	bottom	NOUN
framr-1733	227	8	when	when	SCONJ
framr-1733	227	9	it	it	PRON
framr-1733	227	10	financial	financial	ADJ
framr-1733	227	11	risk	risk	NOUN
framr-1733	227	12	and	and	CCONJ
framr-1733	227	13	management	management	NOUN
framr-1733	227	14	reviews	review	NOUN
framr-1733	227	15	,	,	PUNCT
framr-1733	227	16	2019	2019	NUM
framr-1733	227	17	,	,	PUNCT
framr-1733	227	18	5(1	5(1	NUM
framr-1733	227	19	):	):	PUNCT
framr-1733	227	20	55	55	NUM
framr-1733	227	21	-	-	SYM
framr-1733	227	22	69	69	NUM
framr-1733	227	23	63	63	NUM
framr-1733	227	24	©	©	PROPN
framr-1733	227	25	2019	2019	NUM
framr-1733	227	26	conscientia	conscientia	PROPN
framr-1733	227	27	beam	beam	PROPN
framr-1733	227	28	.	.	PUNCT
framr-1733	228	1	all	all	DET
framr-1733	228	2	rights	right	NOUN
framr-1733	228	3	reserved	reserve	VERB
framr-1733	228	4	.	.	PUNCT
framr-1733	228	5	comes	come	VERB
framr-1733	228	6	to	to	ADP
framr-1733	228	7	loans	loan	NOUN
framr-1733	228	8	to	to	ADP
framr-1733	228	9	deposits	deposit	NOUN
framr-1733	228	10	ratio	ratio	NOUN
framr-1733	228	11	,	,	PUNCT
framr-1733	228	12	the	the	DET
framr-1733	228	13	bank	bank	NOUN
framr-1733	228	14	comes	come	VERB
framr-1733	228	15	at	at	ADP
framr-1733	228	16	the	the	DET
framr-1733	228	17	top	top	NOUN
framr-1733	228	18	of	of	ADP
framr-1733	228	19	the	the	DET
framr-1733	228	20	list	list	NOUN
framr-1733	228	21	when	when	SCONJ
framr-1733	228	22	it	it	PRON
framr-1733	228	23	comes	come	VERB
framr-1733	228	24	to	to	PART
framr-1733	228	25	return	return	VERB
framr-1733	228	26	on	on	ADP
framr-1733	228	27	loans	loan	NOUN
framr-1733	228	28	.	.	PUNCT
framr-1733	229	1	nbk	nbk	PROPN
framr-1733	229	2	produced	produce	VERB
framr-1733	229	3	a	a	DET
framr-1733	229	4	mean	mean	ADJ
framr-1733	229	5	return	return	NOUN
framr-1733	229	6	for	for	ADP
framr-1733	229	7	the	the	DET
framr-1733	229	8	years	year	NOUN
framr-1733	229	9	2011	2011	NUM
framr-1733	229	10	-	-	SYM
framr-1733	229	11	2016	2016	NUM
framr-1733	229	12	of	of	ADP
framr-1733	229	13	2.55	2.55	NUM
framr-1733	229	14	%	%	NOUN
framr-1733	229	15	followed	follow	VERB
framr-1733	229	16	by	by	ADP
framr-1733	229	17	aub	aub	NOUN
framr-1733	229	18	and	and	CCONJ
framr-1733	229	19	bbk	bbk	INTJ
framr-1733	229	20	both	both	PRON
framr-1733	229	21	with	with	ADP
framr-1733	229	22	1.66	1.66	NUM
framr-1733	229	23	%	%	NOUN
framr-1733	229	24	.	.	PUNCT
framr-1733	230	1	table-9	table-9	NOUN
framr-1733	230	2	.	.	PUNCT
framr-1733	231	1	assets	asset	NOUN
framr-1733	231	2	quality	quality	NOUN
framr-1733	231	3	ratios	ratio	NOUN
framr-1733	231	4	.	.	PUNCT
framr-1733	232	1	management	management	NOUN
framr-1733	232	2	efficiency	efficiency	NOUN
framr-1733	232	3	bank	bank	NOUN
framr-1733	232	4	expenditure	expenditure	NOUN
framr-1733	232	5	to	to	ADP
framr-1733	232	6	income	income	NOUN
framr-1733	232	7	ratio	ratio	NOUN
framr-1733	232	8	loans	loan	NOUN
framr-1733	232	9	to	to	AUX
framr-1733	232	10	total	total	VERB
framr-1733	232	11	deposits	deposit	NOUN
framr-1733	232	12	return	return	VERB
framr-1733	232	13	on	on	ADP
framr-1733	232	14	loans	loan	NOUN
framr-1733	232	15	profit	profit	NOUN
framr-1733	232	16	margin	margin	NOUN
framr-1733	232	17	on	on	ADP
framr-1733	232	18	business	business	NOUN
framr-1733	232	19	per	per	ADP
framr-1733	232	20	employee	employee	NOUN
framr-1733	232	21	group	group	NOUN
framr-1733	232	22	rank	rank	NOUN
framr-1733	232	23	%	%	PROPN
framr-1733	232	24	rank	rank	PROPN
framr-1733	232	25	%	%	NOUN
framr-1733	232	26	rank	rank	NOUN
framr-1733	232	27	%	%	NOUN
framr-1733	232	28	rank	rank	NOUN
framr-1733	232	29	%	%	NOUN
framr-1733	233	1	rank	rank	NOUN
framr-1733	233	2	mean	mean	PROPN
framr-1733	233	3	rank	rank	NOUN
framr-1733	233	4	cbk	cbk	PROPN
framr-1733	233	5	32.77	32.77	NUM
framr-1733	233	6	1	1	NUM
framr-1733	233	7	72.40	72.40	NUM
framr-1733	233	8	7	7	NUM
framr-1733	233	9	1.17	1.17	NUM
framr-1733	233	10	8	8	NUM
framr-1733	233	11	21.42	21.42	NUM
framr-1733	233	12	9	9	NUM
framr-1733	233	13	6.25	6.25	NUM
framr-1733	233	14	8	8	NUM
framr-1733	234	1	nbk	nbk	PROPN
framr-1733	235	1	33.98	33.98	NUM
framr-1733	235	2	2	2	NUM
framr-1733	235	3	71.75	71.75	NUM
framr-1733	235	4	8	8	NUM
framr-1733	235	5	2.55	2.55	NUM
framr-1733	235	6	1	1	NUM
framr-1733	235	7	48.20	48.20	NUM
framr-1733	235	8	1	1	NUM
framr-1733	235	9	3.00	3.00	NUM
framr-1733	235	10	1	1	NUM
framr-1733	235	11	gbk	gbk	PROPN
framr-1733	235	12	39.03	39.03	NUM
framr-1733	235	13	5	5	NUM
framr-1733	235	14	84.28	84.28	NUM
framr-1733	235	15	2	2	NUM
framr-1733	235	16	0.93	0.93	NUM
framr-1733	235	17	9	9	NUM
framr-1733	235	18	22.07	22.07	NUM
framr-1733	235	19	7	7	NUM
framr-1733	235	20	5.75	5.75	NUM
framr-1733	235	21	6	6	NUM
framr-1733	235	22	abk	abk	PROPN
framr-1733	235	23	34.62	34.62	NUM
framr-1733	235	24	3	3	NUM
framr-1733	235	25	88.97	88.97	NUM
framr-1733	235	26	1	1	NUM
framr-1733	235	27	1.44	1.44	NUM
framr-1733	235	28	6	6	NUM
framr-1733	235	29	31.23	31.23	NUM
framr-1733	235	30	4	4	NUM
framr-1733	235	31	3.50	3.50	NUM
framr-1733	235	32	3	3	NUM
framr-1733	235	33	bbk	bbk	PROPN
framr-1733	235	34	44.65	44.65	NUM
framr-1733	235	35	6	6	NUM
framr-1733	235	36	72.86	72.86	NUM
framr-1733	235	37	6	6	NUM
framr-1733	235	38	1.66	1.66	NUM
framr-1733	235	39	2	2	NUM
framr-1733	235	40	32.40	32.40	NUM
framr-1733	235	41	3	3	NUM
framr-1733	235	42	4.25	4.25	NUM
framr-1733	235	43	4	4	NUM
framr-1733	235	44	kfh	kfh	VERB
framr-1733	235	45	61.63	61.63	NUM
framr-1733	235	46	9	9	NUM
framr-1733	235	47	66.60	66.60	NUM
framr-1733	235	48	9	9	NUM
framr-1733	235	49	1.61	1.61	NUM
framr-1733	235	50	4	4	NUM
framr-1733	235	51	21.78	21.78	NUM
framr-1733	235	52	8	8	NUM
framr-1733	235	53	7.50	7.50	NUM
framr-1733	235	54	9	9	NUM
framr-1733	235	55	buk	buk	NOUN
framr-1733	235	56	55.09	55.09	NUM
framr-1733	235	57	8	8	NUM
framr-1733	235	58	81.51	81.51	NUM
framr-1733	235	59	4	4	NUM
framr-1733	235	60	1.18	1.18	NUM
framr-1733	235	61	7	7	NUM
framr-1733	235	62	28.84	28.84	NUM
framr-1733	235	63	5	5	NUM
framr-1733	235	64	6.00	6.00	NUM
framr-1733	235	65	7	7	NUM
framr-1733	235	66	kib	kib	NOUN
framr-1733	235	67	46.22	46.22	NUM
framr-1733	235	68	7	7	NUM
framr-1733	235	69	81.71	81.71	NUM
framr-1733	235	70	3	3	NUM
framr-1733	235	71	1.39	1.39	NUM
framr-1733	235	72	5	5	NUM
framr-1733	235	73	27.42	27.42	NUM
framr-1733	235	74	6	6	NUM
framr-1733	235	75	5.25	5.25	NUM
framr-1733	235	76	5	5	NUM
framr-1733	235	77	aub	aub	NOUN
framr-1733	235	78	37.30	37.30	NUM
framr-1733	235	79	4	4	NUM
framr-1733	235	80	79.92	79.92	NUM
framr-1733	235	81	5	5	NUM
framr-1733	235	82	1.66	1.66	NUM
framr-1733	235	83	2	2	NUM
framr-1733	235	84	43.03	43.03	NUM
framr-1733	235	85	2	2	NUM
framr-1733	235	86	3.25	3.25	NUM
framr-1733	235	87	2	2	NUM
framr-1733	235	88	mean	mean	NOUN
framr-1733	235	89	42.81	42.81	NUM
framr-1733	235	90	77.78	77.78	NUM
framr-1733	235	91	1.51	1.51	NUM
framr-1733	235	92	30.71	30.71	NUM
framr-1733	235	93	business	business	NOUN
framr-1733	235	94	per	per	ADP
framr-1733	235	95	employee	employee	NOUN
framr-1733	235	96	(	(	PUNCT
framr-1733	235	97	bpe	bpe	PROPN
framr-1733	235	98	)	)	PUNCT
framr-1733	235	99	measures	measure	VERB
framr-1733	235	100	the	the	DET
framr-1733	235	101	volume	volume	NOUN
framr-1733	235	102	of	of	ADP
framr-1733	235	103	business	business	NOUN
framr-1733	235	104	(	(	PUNCT
framr-1733	235	105	measured	measure	VERB
framr-1733	235	106	in	in	ADP
framr-1733	235	107	1000	1000	NUM
framr-1733	235	108	kwd	kwd	NOUN
framr-1733	235	109	)	)	PUNCT
framr-1733	235	110	an	an	DET
framr-1733	235	111	employee	employee	NOUN
framr-1733	235	112	conduct	conduct	NOUN
framr-1733	235	113	per	per	ADP
framr-1733	235	114	year	year	NOUN
framr-1733	235	115	.	.	PUNCT
framr-1733	236	1	bbk	bbk	PROPN
framr-1733	236	2	came	come	VERB
framr-1733	236	3	a	a	DET
framr-1733	236	4	head	head	NOUN
framr-1733	236	5	of	of	ADP
framr-1733	236	6	all	all	DET
framr-1733	236	7	kuwaiti	kuwaiti	PROPN
framr-1733	236	8	banks	bank	NOUN
framr-1733	236	9	when	when	SCONJ
framr-1733	236	10	it	it	PRON
framr-1733	236	11	comes	come	VERB
framr-1733	236	12	to	to	ADP
framr-1733	236	13	the	the	DET
framr-1733	236	14	amount	amount	NOUN
framr-1733	236	15	of	of	ADP
framr-1733	236	16	business	business	NOUN
framr-1733	236	17	an	an	DET
framr-1733	236	18	employee	employee	NOUN
framr-1733	236	19	handles	handle	NOUN
framr-1733	236	20	per	per	ADP
framr-1733	236	21	year	year	NOUN
framr-1733	236	22	with	with	ADP
framr-1733	236	23	an	an	DET
framr-1733	236	24	average	average	NOUN
framr-1733	236	25	of	of	ADP
framr-1733	236	26	306.13	306.13	NUM
framr-1733	236	27	kwd	kwd	NOUN
framr-1733	236	28	followed	follow	VERB
framr-1733	236	29	by	by	ADP
framr-1733	236	30	nbk	nbk	PROPN
framr-1733	236	31	with	with	ADP
framr-1733	236	32	an	an	DET
framr-1733	236	33	average	average	NOUN
framr-1733	236	34	of	of	ADP
framr-1733	236	35	297.70	297.70	NUM
framr-1733	236	36	kwd	kwd	NOUN
framr-1733	236	37	.	.	PUNCT
framr-1733	237	1	when	when	SCONJ
framr-1733	237	2	it	it	PRON
framr-1733	237	3	comes	come	VERB
framr-1733	237	4	to	to	ADP
framr-1733	237	5	profit	profit	NOUN
framr-1733	237	6	per	per	ADP
framr-1733	237	7	employee	employee	NOUN
framr-1733	237	8	(	(	PUNCT
framr-1733	237	9	ppe	ppe	PROPN
framr-1733	237	10	)	)	PUNCT
framr-1733	237	11	,	,	PUNCT
framr-1733	237	12	nbk	nbk	PROPN
framr-1733	237	13	came	come	VERB
framr-1733	237	14	at	at	ADP
framr-1733	237	15	the	the	DET
framr-1733	237	16	top	top	NOUN
framr-1733	237	17	with	with	ADP
framr-1733	237	18	48.20	48.20	NUM
framr-1733	237	19	kwd	kwd	PROPN
framr-1733	237	20	profit	profit	NOUN
framr-1733	237	21	generated	generate	VERB
framr-1733	237	22	per	per	ADP
framr-1733	237	23	employee	employee	NOUN
framr-1733	237	24	followed	follow	VERB
framr-1733	237	25	by	by	ADP
framr-1733	237	26	bbk	bbk	INTJ
framr-1733	237	27	and	and	CCONJ
framr-1733	237	28	at	at	ADP
framr-1733	237	29	the	the	DET
framr-1733	237	30	flipside	flipside	NOUN
framr-1733	237	31	buk	buk	PROPN
framr-1733	237	32	came	come	VERB
framr-1733	237	33	at	at	ADP
framr-1733	237	34	the	the	DET
framr-1733	237	35	bottom	bottom	NOUN
framr-1733	237	36	with	with	ADP
framr-1733	237	37	only	only	ADV
framr-1733	237	38	23.79	23.79	NUM
framr-1733	237	39	kwd	kwd	NOUN
framr-1733	237	40	per	per	ADP
framr-1733	237	41	employee	employee	NOUN
framr-1733	237	42	,	,	PUNCT
framr-1733	237	43	as	as	SCONJ
framr-1733	237	44	seen	see	VERB
framr-1733	237	45	in	in	ADP
framr-1733	237	46	table	table	NOUN
framr-1733	237	47	10	10	NUM
framr-1733	237	48	.	.	PUNCT
framr-1733	238	1	although	although	SCONJ
framr-1733	238	2	both	both	DET
framr-1733	238	3	ratios	ratio	NOUN
framr-1733	238	4	bpe	bpe	PROPN
framr-1733	238	5	and	and	CCONJ
framr-1733	238	6	ppe	ppe	PROPN
framr-1733	238	7	are	be	AUX
framr-1733	238	8	essential	essential	ADJ
framr-1733	238	9	in	in	ADP
framr-1733	238	10	generating	generate	VERB
framr-1733	238	11	profit	profit	NOUN
framr-1733	238	12	for	for	ADP
framr-1733	238	13	the	the	DET
framr-1733	238	14	bank	bank	NOUN
framr-1733	238	15	,	,	PUNCT
framr-1733	238	16	they	they	PRON
framr-1733	238	17	are	be	AUX
framr-1733	238	18	not	not	PART
framr-1733	238	19	sufficient	sufficient	ADJ
framr-1733	238	20	enough	enough	ADV
framr-1733	238	21	to	to	PART
framr-1733	238	22	determine	determine	VERB
framr-1733	238	23	the	the	DET
framr-1733	238	24	management	management	NOUN
framr-1733	238	25	efficiency	efficiency	NOUN
framr-1733	238	26	.	.	PUNCT
framr-1733	239	1	profit	profit	NOUN
framr-1733	239	2	margin	margin	NOUN
framr-1733	239	3	per	per	ADP
framr-1733	239	4	employee	employee	NOUN
framr-1733	239	5	would	would	AUX
framr-1733	239	6	give	give	VERB
framr-1733	239	7	a	a	DET
framr-1733	239	8	better	well	ADJ
framr-1733	239	9	picture	picture	NOUN
framr-1733	239	10	of	of	ADP
framr-1733	239	11	management	management	NOUN
framr-1733	239	12	efficiency	efficiency	NOUN
framr-1733	239	13	.	.	PUNCT
framr-1733	240	1	by	by	ADP
framr-1733	240	2	looking	look	VERB
framr-1733	240	3	at	at	ADP
framr-1733	240	4	cbk	cbk	NOUN
framr-1733	240	5	for	for	ADP
framr-1733	240	6	example	example	NOUN
framr-1733	240	7	,	,	PUNCT
framr-1733	240	8	it	it	PRON
framr-1733	240	9	can	can	AUX
framr-1733	240	10	be	be	AUX
framr-1733	240	11	seen	see	VERB
framr-1733	240	12	that	that	SCONJ
framr-1733	240	13	it	it	PRON
framr-1733	240	14	is	be	AUX
framr-1733	240	15	ranked	rank	VERB
framr-1733	240	16	5th	5th	ADV
framr-1733	240	17	in	in	ADP
framr-1733	240	18	terms	term	NOUN
framr-1733	240	19	of	of	ADP
framr-1733	240	20	bpe	bpe	PROPN
framr-1733	240	21	and	and	CCONJ
framr-1733	240	22	6th	6th	NOUN
framr-1733	240	23	in	in	ADP
framr-1733	240	24	terms	term	NOUN
framr-1733	240	25	ppe	ppe	NOUN
framr-1733	240	26	which	which	PRON
framr-1733	240	27	can	can	AUX
framr-1733	240	28	be	be	AUX
framr-1733	240	29	deceiving	deceive	VERB
framr-1733	240	30	since	since	SCONJ
framr-1733	240	31	their	their	PRON
framr-1733	240	32	management	management	NOUN
framr-1733	240	33	and	and	CCONJ
framr-1733	240	34	employees	employee	NOUN
framr-1733	240	35	are	be	AUX
framr-1733	240	36	efficient	efficient	ADJ
framr-1733	240	37	enough	enough	ADV
framr-1733	240	38	to	to	PART
framr-1733	240	39	utilize	utilize	VERB
framr-1733	240	40	the	the	DET
framr-1733	240	41	business	business	NOUN
framr-1733	240	42	they	they	PRON
framr-1733	240	43	are	be	AUX
framr-1733	240	44	getting	get	VERB
framr-1733	240	45	efficiently	efficiently	ADV
framr-1733	240	46	like	like	ADP
framr-1733	240	47	nbk	nbk	PROPN
framr-1733	240	48	for	for	ADP
framr-1733	240	49	instance	instance	NOUN
framr-1733	240	50	.	.	PUNCT
framr-1733	241	1	cbk	cbk	PROPN
framr-1733	241	2	employee	employee	NOUN
framr-1733	241	3	produces	produce	VERB
framr-1733	241	4	a	a	DET
framr-1733	241	5	profit	profit	NOUN
framr-1733	241	6	only	only	ADV
framr-1733	241	7	214.2	214.2	NUM
framr-1733	241	8	kwd	kwd	NOUN
framr-1733	241	9	for	for	ADP
framr-1733	241	10	every	every	DET
framr-1733	241	11	1000	1000	NUM
framr-1733	241	12	kwd	kwd	NOUN
framr-1733	241	13	of	of	ADP
framr-1733	241	14	business	business	NOUN
framr-1733	241	15	he	he	PRON
framr-1733	241	16	or	or	CCONJ
framr-1733	241	17	she	she	PRON
framr-1733	241	18	conducts	conduct	VERB
framr-1733	241	19	,	,	PUNCT
framr-1733	241	20	while	while	SCONJ
framr-1733	241	21	nbk	nbk	PROPN
framr-1733	241	22	employee	employee	NOUN
framr-1733	241	23	produces	produce	VERB
framr-1733	241	24	a	a	DET
framr-1733	241	25	profit	profit	NOUN
framr-1733	241	26	of	of	ADP
framr-1733	241	27	482	482	NUM
framr-1733	241	28	kwd	kwd	NOUN
framr-1733	241	29	for	for	ADP
framr-1733	241	30	every	every	DET
framr-1733	241	31	1000	1000	NUM
framr-1733	241	32	kwd	kwd	NOUN
framr-1733	241	33	of	of	ADP
framr-1733	241	34	business	business	NOUN
framr-1733	241	35	he	he	PRON
framr-1733	241	36	or	or	CCONJ
framr-1733	241	37	she	she	PRON
framr-1733	241	38	conducts	conduct	VERB
framr-1733	241	39	.	.	PUNCT
framr-1733	242	1	so	so	ADV
framr-1733	242	2	,	,	PUNCT
framr-1733	242	3	when	when	SCONJ
framr-1733	242	4	it	it	PRON
framr-1733	242	5	comes	come	VERB
framr-1733	242	6	to	to	ADP
framr-1733	242	7	profit	profit	NOUN
framr-1733	242	8	margin	margin	NOUN
framr-1733	242	9	on	on	ADP
framr-1733	242	10	business	business	NOUN
framr-1733	242	11	per	per	ADP
framr-1733	242	12	employee	employee	NOUN
framr-1733	242	13	it	it	PRON
framr-1733	242	14	can	can	AUX
framr-1733	242	15	be	be	AUX
framr-1733	242	16	seen	see	VERB
framr-1733	242	17	that	that	SCONJ
framr-1733	242	18	nbk	nbk	PROPN
framr-1733	242	19	is	be	AUX
framr-1733	242	20	the	the	DET
framr-1733	242	21	most	most	ADV
framr-1733	242	22	efficient	efficient	ADJ
framr-1733	242	23	bank	bank	NOUN
framr-1733	242	24	in	in	ADP
framr-1733	242	25	kuwait	kuwait	PROPN
framr-1733	242	26	in	in	ADP
framr-1733	242	27	that	that	DET
framr-1733	242	28	category	category	NOUN
framr-1733	242	29	while	while	SCONJ
framr-1733	242	30	cbk	cbk	PROPN
framr-1733	242	31	was	be	AUX
framr-1733	242	32	the	the	DET
framr-1733	242	33	worst	bad	ADJ
framr-1733	242	34	.	.	PUNCT
framr-1733	243	1	as	as	ADP
framr-1733	243	2	for	for	ADP
framr-1733	243	3	management	management	NOUN
framr-1733	243	4	efficiency	efficiency	NOUN
framr-1733	243	5	,	,	PUNCT
framr-1733	243	6	nbk	nbk	PROPN
framr-1733	243	7	came	come	VERB
framr-1733	243	8	at	at	ADP
framr-1733	243	9	the	the	DET
framr-1733	243	10	top	top	NOUN
framr-1733	243	11	among	among	ADP
framr-1733	243	12	the	the	DET
framr-1733	243	13	kuwaiti	kuwaiti	PROPN
framr-1733	243	14	banks	bank	NOUN
framr-1733	243	15	followed	follow	VERB
framr-1733	243	16	by	by	ADP
framr-1733	243	17	aub	aub	NOUN
framr-1733	243	18	and	and	CCONJ
framr-1733	243	19	on	on	ADP
framr-1733	243	20	the	the	DET
framr-1733	243	21	other	other	ADJ
framr-1733	243	22	hand	hand	NOUN
framr-1733	243	23	,	,	PUNCT
framr-1733	243	24	kfh	kfh	PROPN
framr-1733	243	25	came	come	VERB
framr-1733	243	26	at	at	ADP
framr-1733	243	27	the	the	DET
framr-1733	243	28	bottom	bottom	NOUN
framr-1733	243	29	followed	follow	VERB
framr-1733	243	30	by	by	ADP
framr-1733	243	31	cbk	cbk	PROPN
framr-1733	243	32	.	.	PUNCT
framr-1733	244	1	table-10	table-10	PROPN
framr-1733	244	2	.	.	PUNCT
framr-1733	245	1	employees	employee	NOUN
framr-1733	245	2	performance	performance	NOUN
framr-1733	245	3	ratios	ratio	NOUN
framr-1733	245	4	.	.	PUNCT
framr-1733	246	1	bank	bank	NOUN
framr-1733	246	2	business	business	NOUN
framr-1733	246	3	per	per	ADP
framr-1733	246	4	employee	employee	NOUN
framr-1733	246	5	(	(	PUNCT
framr-1733	246	6	1000	1000	NUM
framr-1733	246	7	kwd	kwd	NOUN
framr-1733	246	8	)	)	PUNCT
framr-1733	246	9	profit	profit	NOUN
framr-1733	246	10	per	per	ADP
framr-1733	246	11	employee	employee	NOUN
framr-1733	246	12	(	(	PUNCT
framr-1733	246	13	1000	1000	NUM
framr-1733	246	14	kwd	kwd	ADJ
framr-1733	246	15	)	)	PUNCT
framr-1733	246	16	profit	profit	NOUN
framr-1733	246	17	margin	margin	NOUN
framr-1733	246	18	on	on	ADP
framr-1733	246	19	business	business	NOUN
framr-1733	246	20	per	per	ADP
framr-1733	246	21	employee	employee	NOUN
framr-1733	246	22	(	(	PUNCT
framr-1733	246	23	%	%	INTJ
framr-1733	246	24	)	)	PUNCT
framr-1733	246	25	cbk	cbk	PROPN
framr-1733	246	26	144.87	144.87	NUM
framr-1733	246	27	32.42	32.42	NUM
framr-1733	246	28	21.42	21.42	NUM
framr-1733	246	29	nbk	nbk	PROPN
framr-1733	246	30	297.70	297.70	NUM
framr-1733	246	31	142.63	142.63	NUM
framr-1733	246	32	48.20	48.20	NUM
framr-1733	246	33	gbk	gbk	PROPN
framr-1733	246	34	116.69	116.69	NUM
framr-1733	246	35	25.54	25.54	NUM
framr-1733	246	36	22.07	22.07	NUM
framr-1733	246	37	abk	abk	PROPN
framr-1733	246	38	152.18	152.18	NUM
framr-1733	246	39	47.51	47.51	NUM
framr-1733	246	40	31.23	31.23	NUM
framr-1733	246	41	bbk	bbk	PROPN
framr-1733	246	42	306.13	306.13	NUM
framr-1733	246	43	96.79	96.79	NUM
framr-1733	246	44	32.40	32.40	NUM
framr-1733	246	45	kfh	kfh	NOUN
framr-1733	246	46	280.88	280.88	NUM
framr-1733	246	47	60.61	60.61	NUM
framr-1733	246	48	21.78	21.78	NUM
framr-1733	246	49	buk	buk	PROPN
framr-1733	246	50	81.85	81.85	NUM
framr-1733	246	51	23.79	23.79	NUM
framr-1733	246	52	28.84	28.84	NUM
framr-1733	246	53	kib	kib	NOUN
framr-1733	246	54	91.28	91.28	NUM
framr-1733	246	55	24.61	24.61	NUM
framr-1733	246	56	27.42	27.42	NUM
framr-1733	246	57	aub	aub	NOUN
framr-1733	246	58	127.73	127.73	NUM
framr-1733	246	59	55.09	55.09	NUM
framr-1733	246	60	43.03	43.03	NUM
framr-1733	246	61	mean	mean	NOUN
framr-1733	247	1	177.70	177.70	NUM
framr-1733	247	2	56.55	56.55	NUM
framr-1733	247	3	30.71	30.71	NUM
framr-1733	247	4	the	the	DET
framr-1733	247	5	interest	interest	NOUN
framr-1733	247	6	margin	margin	NOUN
framr-1733	247	7	is	be	AUX
framr-1733	247	8	basically	basically	ADV
framr-1733	247	9	the	the	DET
framr-1733	247	10	average	average	ADJ
framr-1733	247	11	interest	interest	NOUN
framr-1733	247	12	the	the	DET
framr-1733	247	13	bank	bank	NOUN
framr-1733	247	14	charges	charge	VERB
framr-1733	247	15	on	on	ADP
framr-1733	247	16	loans	loan	NOUN
framr-1733	247	17	minus	minus	ADP
framr-1733	247	18	the	the	DET
framr-1733	247	19	average	average	ADJ
framr-1733	247	20	interest	interest	NOUN
framr-1733	247	21	the	the	DET
framr-1733	247	22	bank	bank	NOUN
framr-1733	247	23	borrow	borrow	VERB
framr-1733	247	24	the	the	DET
framr-1733	247	25	funds	fund	NOUN
framr-1733	247	26	at	at	ADP
framr-1733	247	27	.	.	PUNCT
framr-1733	248	1	a	a	DET
framr-1733	248	2	higher	high	ADJ
framr-1733	248	3	interest	interest	NOUN
framr-1733	248	4	margin	margin	NOUN
framr-1733	248	5	means	mean	VERB
framr-1733	248	6	that	that	SCONJ
framr-1733	248	7	the	the	DET
framr-1733	248	8	bank	bank	NOUN
framr-1733	248	9	is	be	AUX
framr-1733	248	10	generating	generate	VERB
framr-1733	248	11	a	a	DET
framr-1733	248	12	higher	high	ADJ
framr-1733	248	13	profit	profit	NOUN
framr-1733	248	14	from	from	ADP
framr-1733	248	15	the	the	DET
framr-1733	248	16	financial	financial	ADJ
framr-1733	248	17	risk	risk	NOUN
framr-1733	248	18	and	and	CCONJ
framr-1733	248	19	management	management	NOUN
framr-1733	248	20	reviews	review	NOUN
framr-1733	248	21	,	,	PUNCT
framr-1733	248	22	2019	2019	NUM
framr-1733	248	23	,	,	PUNCT
framr-1733	248	24	5(1	5(1	NUM
framr-1733	248	25	):	):	PUNCT
framr-1733	248	26	55	55	NUM
framr-1733	248	27	-	-	SYM
framr-1733	248	28	69	69	NUM
framr-1733	248	29	64	64	NUM
framr-1733	248	30	©	©	PROPN
framr-1733	248	31	2019	2019	NUM
framr-1733	248	32	conscientia	conscientia	PROPN
framr-1733	248	33	beam	beam	PROPN
framr-1733	248	34	.	.	PUNCT
framr-1733	249	1	all	all	DET
framr-1733	249	2	rights	right	NOUN
framr-1733	249	3	reserved	reserve	VERB
framr-1733	249	4	.	.	PUNCT
framr-1733	250	1	funds	fund	NOUN
framr-1733	250	2	he	he	PRON
framr-1733	250	3	borrows	borrow	VERB
framr-1733	250	4	.	.	PUNCT
framr-1733	251	1	while	while	SCONJ
framr-1733	251	2	this	this	PRON
framr-1733	251	3	may	may	AUX
framr-1733	251	4	be	be	AUX
framr-1733	251	5	a	a	DET
framr-1733	251	6	straight	straight	ADJ
framr-1733	251	7	forward	forward	ADJ
framr-1733	251	8	calculation	calculation	NOUN
framr-1733	251	9	,	,	PUNCT
framr-1733	251	10	it	it	PRON
framr-1733	251	11	may	may	AUX
framr-1733	251	12	also	also	ADV
framr-1733	251	13	indicates	indicate	VERB
framr-1733	251	14	that	that	SCONJ
framr-1733	251	15	the	the	DET
framr-1733	251	16	bank	bank	NOUN
framr-1733	251	17	is	be	AUX
framr-1733	251	18	lending	lend	VERB
framr-1733	251	19	riskier	risky	ADJ
framr-1733	251	20	borrows	borrow	NOUN
framr-1733	251	21	since	since	SCONJ
framr-1733	251	22	they	they	PRON
framr-1733	251	23	pay	pay	VERB
framr-1733	251	24	higher	high	ADJ
framr-1733	251	25	interest	interest	NOUN
framr-1733	251	26	than	than	ADP
framr-1733	251	27	the	the	DET
framr-1733	251	28	others	other	NOUN
framr-1733	251	29	due	due	ADP
framr-1733	251	30	to	to	ADP
framr-1733	251	31	their	their	PRON
framr-1733	251	32	bad	bad	ADJ
framr-1733	251	33	credit	credit	NOUN
framr-1733	251	34	.	.	PUNCT
framr-1733	252	1	by	by	ADP
framr-1733	252	2	running	run	VERB
framr-1733	252	3	a	a	DET
framr-1733	252	4	regression	regression	NOUN
framr-1733	252	5	using	use	VERB
framr-1733	252	6	the	the	DET
framr-1733	252	7	interest	interest	NOUN
framr-1733	252	8	rate	rate	NOUN
framr-1733	252	9	margin	margin	NOUN
framr-1733	252	10	(	(	PUNCT
framr-1733	252	11	irm	irm	PROPN
framr-1733	252	12	)	)	PUNCT
framr-1733	252	13	as	as	ADP
framr-1733	252	14	an	an	DET
framr-1733	252	15	independent	independent	ADJ
framr-1733	252	16	variable	variable	NOUN
framr-1733	252	17	and	and	CCONJ
framr-1733	252	18	the	the	DET
framr-1733	252	19	ratio	ratio	NOUN
framr-1733	252	20	of	of	ADP
framr-1733	252	21	non	non	ADJ
framr-1733	252	22	-	-	ADJ
framr-1733	252	23	performing	perform	VERB
framr-1733	252	24	assets	asset	NOUN
framr-1733	252	25	to	to	ADP
framr-1733	252	26	total	total	ADJ
framr-1733	252	27	assets	asset	NOUN
framr-1733	252	28	(	(	PUNCT
framr-1733	252	29	npa	npa	NOUN
framr-1733	252	30	)	)	PUNCT
framr-1733	252	31	as	as	ADP
framr-1733	252	32	a	a	DET
framr-1733	252	33	dependent	dependent	ADJ
framr-1733	252	34	variable	variable	NOUN
framr-1733	252	35	,	,	PUNCT
framr-1733	252	36	the	the	DET
framr-1733	252	37	results	result	NOUN
framr-1733	252	38	showed	show	VERB
framr-1733	252	39	no	no	DET
framr-1733	252	40	statistically	statistically	ADV
framr-1733	252	41	significant	significant	ADJ
framr-1733	252	42	relation	relation	NOUN
framr-1733	252	43	between	between	ADP
framr-1733	252	44	them	they	PRON
framr-1733	252	45	.	.	PUNCT
framr-1733	253	1	a	a	DET
framr-1733	253	2	granger	granger	PROPN
framr-1733	253	3	causality	causality	NOUN
framr-1733	253	4	test	test	NOUN
framr-1733	253	5	was	be	AUX
framr-1733	253	6	also	also	ADV
framr-1733	253	7	conduced	conduce	VERB
framr-1733	253	8	and	and	CCONJ
framr-1733	253	9	the	the	DET
framr-1733	253	10	results	result	NOUN
framr-1733	253	11	,	,	PUNCT
framr-1733	253	12	as	as	SCONJ
framr-1733	253	13	seen	see	VERB
framr-1733	253	14	in	in	ADP
framr-1733	253	15	table	table	NOUN
framr-1733	253	16	11	11	NUM
framr-1733	253	17	show	show	NOUN
framr-1733	253	18	that	that	SCONJ
framr-1733	253	19	there	there	PRON
framr-1733	253	20	is	be	VERB
framr-1733	253	21	no	no	DET
framr-1733	253	22	relation	relation	NOUN
framr-1733	253	23	between	between	ADP
framr-1733	253	24	interest	interest	NOUN
framr-1733	253	25	rate	rate	NOUN
framr-1733	253	26	margin	margin	NOUN
framr-1733	253	27	and	and	CCONJ
framr-1733	253	28	the	the	DET
framr-1733	253	29	non	non	ADJ
framr-1733	253	30	-	-	ADJ
framr-1733	253	31	performing	perform	VERB
framr-1733	253	32	assets	asset	NOUN
framr-1733	253	33	to	to	AUX
framr-1733	253	34	total	total	VERB
framr-1733	253	35	assets	asset	NOUN
framr-1733	253	36	ratio	ratio	NOUN
framr-1733	253	37	.	.	PUNCT
framr-1733	254	1	table-11	table-11	PROPN
framr-1733	254	2	.	.	PUNCT
framr-1733	254	3	granger	granger	PROPN
framr-1733	254	4	causality	causality	PROPN
framr-1733	254	5	test	test	NOUN
framr-1733	254	6	results	result	NOUN
framr-1733	254	7	(	(	PUNCT
framr-1733	254	8	e	e	NOUN
framr-1733	254	9	-	-	NOUN
framr-1733	254	10	views	view	NOUN
framr-1733	254	11	)	)	PUNCT
framr-1733	254	12	.	.	PUNCT
framr-1733	255	1	pairwise	pairwise	PROPN
framr-1733	255	2	granger	granger	PROPN
framr-1733	255	3	causality	causality	PROPN
framr-1733	255	4	tests	test	VERB
framr-1733	255	5	date	date	NOUN
framr-1733	255	6	:	:	PUNCT
framr-1733	255	7	10/01/17	10/01/17	NUM
framr-1733	255	8	time	time	NOUN
framr-1733	255	9	:	:	PUNCT
framr-1733	255	10	04:41	04:41	NUM
framr-1733	255	11	sample	sample	NOUN
framr-1733	255	12	:	:	PUNCT
framr-1733	255	13	154	154	NUM
framr-1733	255	14	lags:2	lags:2	X
framr-1733	255	15	null	null	ADJ
framr-1733	255	16	hypothesis	hypothesis	NOUN
framr-1733	255	17	obs	obs	PROPN
framr-1733	255	18	f	f	PROPN
framr-1733	255	19	-	-	PUNCT
framr-1733	255	20	statistic	statistic	ADJ
framr-1733	255	21	prob	prob	NOUN
framr-1733	255	22	.	.	PUNCT
framr-1733	256	1	npa	npa	PROPN
framr-1733	256	2	does	do	AUX
framr-1733	256	3	not	not	PART
framr-1733	256	4	granger	granger	AUX
framr-1733	256	5	cause	cause	VERB
framr-1733	256	6	irm	irm	PROPN
framr-1733	256	7	52	52	NUM
framr-1733	256	8	0.42537	0.42537	NUM
framr-1733	256	9	0.6560	0.6560	NUM
framr-1733	256	10	irm	irm	NOUN
framr-1733	256	11	does	do	AUX
framr-1733	256	12	not	not	PART
framr-1733	256	13	granger	granger	AUX
framr-1733	256	14	cause	cause	VERB
framr-1733	256	15	npa	npa	PROPN
framr-1733	256	16	0.70154	0.70154	NUM
framr-1733	256	17	0.5009	0.5009	NUM
framr-1733	256	18	when	when	SCONJ
framr-1733	256	19	looking	look	VERB
framr-1733	256	20	at	at	ADP
framr-1733	256	21	the	the	DET
framr-1733	256	22	interest	interest	NOUN
framr-1733	256	23	rate	rate	NOUN
framr-1733	256	24	margin	margin	NOUN
framr-1733	256	25	,	,	PUNCT
framr-1733	256	26	from	from	ADP
framr-1733	256	27	table	table	NOUN
framr-1733	256	28	12	12	NUM
framr-1733	256	29	it	it	PRON
framr-1733	256	30	can	can	AUX
framr-1733	256	31	be	be	AUX
framr-1733	256	32	seen	see	VERB
framr-1733	256	33	that	that	SCONJ
framr-1733	256	34	kfh	kfh	PROPN
framr-1733	256	35	has	have	VERB
framr-1733	256	36	the	the	DET
framr-1733	256	37	highest	high	ADJ
framr-1733	256	38	interest	interest	NOUN
framr-1733	256	39	rate	rate	NOUN
framr-1733	256	40	margin	margin	NOUN
framr-1733	256	41	of	of	ADP
framr-1733	256	42	3.65	3.65	NUM
framr-1733	256	43	%	%	NOUN
framr-1733	256	44	followed	follow	VERB
framr-1733	256	45	by	by	ADP
framr-1733	256	46	nbk	nbk	NOUN
framr-1733	256	47	having	have	VERB
framr-1733	256	48	3.31	3.31	NUM
framr-1733	256	49	%	%	NOUN
framr-1733	256	50	interest	interest	NOUN
framr-1733	256	51	margin	margin	NOUN
framr-1733	256	52	.	.	PUNCT
framr-1733	257	1	gbk	gbk	PROPN
framr-1733	257	2	came	come	VERB
framr-1733	257	3	at	at	ADP
framr-1733	257	4	the	the	DET
framr-1733	257	5	bottom	bottom	NOUN
framr-1733	257	6	of	of	ADP
framr-1733	257	7	the	the	DET
framr-1733	257	8	list	list	NOUN
framr-1733	257	9	with	with	ADP
framr-1733	257	10	2.47	2.47	NUM
framr-1733	257	11	%	%	NOUN
framr-1733	257	12	.	.	PUNCT
framr-1733	258	1	when	when	SCONJ
framr-1733	258	2	it	it	PRON
framr-1733	258	3	comes	come	VERB
framr-1733	258	4	to	to	ADP
framr-1733	258	5	net	net	ADJ
framr-1733	258	6	profit	profit	NOUN
framr-1733	258	7	margin	margin	NOUN
framr-1733	258	8	,	,	PUNCT
framr-1733	258	9	it	it	PRON
framr-1733	258	10	can	can	AUX
framr-1733	258	11	be	be	AUX
framr-1733	258	12	seen	see	VERB
framr-1733	258	13	that	that	SCONJ
framr-1733	258	14	nbk	nbk	PROPN
framr-1733	258	15	came	come	VERB
framr-1733	258	16	at	at	ADP
framr-1733	258	17	the	the	DET
framr-1733	258	18	top	top	NOUN
framr-1733	258	19	with	with	ADP
framr-1733	258	20	44.64	44.64	NUM
framr-1733	258	21	%	%	NOUN
framr-1733	258	22	meaning	meaning	NOUN
framr-1733	258	23	that	that	SCONJ
framr-1733	258	24	out	out	ADP
framr-1733	258	25	of	of	ADP
framr-1733	258	26	every	every	DET
framr-1733	258	27	kwd	kwd	NOUN
framr-1733	258	28	1000	1000	NUM
framr-1733	258	29	of	of	ADP
framr-1733	258	30	income	income	NOUN
framr-1733	258	31	the	the	DET
framr-1733	258	32	bank	bank	NOUN
framr-1733	258	33	makes	make	VERB
framr-1733	258	34	a	a	DET
framr-1733	258	35	net	net	ADJ
framr-1733	258	36	profit	profit	NOUN
framr-1733	258	37	of	of	ADP
framr-1733	258	38	446.4	446.4	NUM
framr-1733	258	39	kwd	kwd	PROPN
framr-1733	258	40	.	.	PUNCT
framr-1733	259	1	aub	aub	PROPN
framr-1733	259	2	came	come	VERB
framr-1733	259	3	in	in	ADP
framr-1733	259	4	second	second	ADJ
framr-1733	259	5	place	place	NOUN
framr-1733	259	6	with	with	ADP
framr-1733	259	7	38.59	38.59	NUM
framr-1733	259	8	%	%	NOUN
framr-1733	259	9	.	.	PUNCT
framr-1733	260	1	on	on	ADP
framr-1733	260	2	the	the	DET
framr-1733	260	3	other	other	ADJ
framr-1733	260	4	hand	hand	NOUN
framr-1733	260	5	,	,	PUNCT
framr-1733	260	6	while	while	SCONJ
framr-1733	260	7	kfh	kfh	PROPN
framr-1733	260	8	had	have	VERB
framr-1733	260	9	the	the	DET
framr-1733	260	10	highest	high	ADJ
framr-1733	260	11	interest	interest	NOUN
framr-1733	260	12	margin	margin	NOUN
framr-1733	260	13	,	,	PUNCT
framr-1733	260	14	kfh	kfh	PROPN
framr-1733	260	15	was	be	AUX
framr-1733	260	16	unable	unable	ADJ
framr-1733	260	17	to	to	PART
framr-1733	260	18	capitalize	capitalize	VERB
framr-1733	260	19	on	on	ADP
framr-1733	260	20	it	it	PRON
framr-1733	260	21	and	and	CCONJ
framr-1733	260	22	came	come	VERB
framr-1733	260	23	as	as	ADP
framr-1733	260	24	the	the	DET
framr-1733	260	25	worst	bad	ADJ
framr-1733	260	26	bank	bank	NOUN
framr-1733	260	27	by	by	ADP
framr-1733	260	28	generating	generate	VERB
framr-1733	260	29	only	only	ADV
framr-1733	260	30	19.29	19.29	NUM
framr-1733	260	31	%	%	NOUN
framr-1733	260	32	net	net	ADJ
framr-1733	260	33	profit	profit	NOUN
framr-1733	260	34	from	from	ADP
framr-1733	260	35	the	the	DET
framr-1733	260	36	income	income	NOUN
framr-1733	260	37	they	they	PRON
framr-1733	260	38	make	make	VERB
framr-1733	260	39	.	.	PUNCT
framr-1733	261	1	return	return	VERB
framr-1733	261	2	on	on	ADP
framr-1733	261	3	assets	asset	NOUN
framr-1733	261	4	(	(	PUNCT
framr-1733	261	5	roa	roa	NOUN
framr-1733	261	6	)	)	PUNCT
framr-1733	261	7	is	be	AUX
framr-1733	261	8	another	another	DET
framr-1733	261	9	important	important	ADJ
framr-1733	261	10	ratio	ratio	NOUN
framr-1733	261	11	to	to	PART
framr-1733	261	12	consider	consider	VERB
framr-1733	261	13	when	when	SCONJ
framr-1733	261	14	evaluating	evaluate	VERB
framr-1733	261	15	the	the	DET
framr-1733	261	16	earning	earn	VERB
framr-1733	261	17	quality	quality	NOUN
framr-1733	261	18	of	of	ADP
framr-1733	261	19	any	any	DET
framr-1733	261	20	bank	bank	NOUN
framr-1733	261	21	.	.	PUNCT
framr-1733	262	1	again	again	ADV
framr-1733	262	2	nbk	nbk	PROPN
framr-1733	262	3	had	have	VERB
framr-1733	262	4	the	the	DET
framr-1733	262	5	highest	high	ADJ
framr-1733	262	6	roa	roa	NOUN
framr-1733	262	7	ratio	ratio	NOUN
framr-1733	262	8	among	among	ADP
framr-1733	262	9	the	the	DET
framr-1733	262	10	kuwaiti	kuwaiti	PROPN
framr-1733	262	11	banks	bank	NOUN
framr-1733	262	12	,	,	PUNCT
framr-1733	262	13	the	the	DET
framr-1733	262	14	bank	bank	NOUN
framr-1733	262	15	produced	produce	VERB
framr-1733	262	16	a	a	DET
framr-1733	262	17	return	return	NOUN
framr-1733	262	18	of	of	ADP
framr-1733	262	19	1.62	1.62	NUM
framr-1733	262	20	%	%	NOUN
framr-1733	262	21	followed	follow	VERB
framr-1733	262	22	by	by	ADP
framr-1733	262	23	aub	aub	PROPN
framr-1733	262	24	with	with	ADP
framr-1733	262	25	1.20	1.20	NUM
framr-1733	262	26	%	%	NOUN
framr-1733	262	27	.	.	PUNCT
framr-1733	263	1	gbk	gbk	PROPN
framr-1733	263	2	showed	show	VERB
framr-1733	263	3	the	the	DET
framr-1733	263	4	lowest	low	ADJ
framr-1733	263	5	roa	roa	NOUN
framr-1733	263	6	ratio	ratio	NOUN
framr-1733	263	7	of	of	ADP
framr-1733	263	8	only	only	ADV
framr-1733	263	9	1.62	1.62	NUM
framr-1733	263	10	%	%	NOUN
framr-1733	263	11	followed	follow	VERB
framr-1733	263	12	by	by	ADP
framr-1733	263	13	cbk	cbk	NOUN
framr-1733	263	14	of	of	ADP
framr-1733	263	15	0.71	0.71	NUM
framr-1733	263	16	%	%	NOUN
framr-1733	263	17	.	.	PUNCT
framr-1733	264	1	table-12	table-12	NOUN
framr-1733	264	2	.	.	PROPN
framr-1733	264	3	earning	earn	VERB
framr-1733	264	4	quality	quality	NOUN
framr-1733	264	5	ratios	ratio	NOUN
framr-1733	264	6	.	.	PUNCT
framr-1733	265	1	earning	earn	VERB
framr-1733	265	2	quality	quality	NOUN
framr-1733	265	3	bank	bank	NOUN
framr-1733	265	4	interest	interest	NOUN
framr-1733	265	5	margin	margin	NOUN
framr-1733	265	6	profit	profit	NOUN
framr-1733	265	7	margin	margin	NOUN
framr-1733	265	8	return	return	NOUN
framr-1733	265	9	on	on	ADP
framr-1733	265	10	assets	asset	NOUN
framr-1733	265	11	(	(	PUNCT
framr-1733	265	12	roa	roa	NOUN
framr-1733	265	13	)	)	PUNCT
framr-1733	265	14	return	return	NOUN
framr-1733	265	15	on	on	ADP
framr-1733	265	16	equity	equity	NOUN
framr-1733	265	17	(	(	PUNCT
framr-1733	265	18	roe	roe	PROPN
framr-1733	265	19	)	)	PUNCT
framr-1733	265	20	group	group	NOUN
framr-1733	265	21	rank	rank	NOUN
framr-1733	265	22	%	%	PROPN
framr-1733	265	23	rank	rank	PROPN
framr-1733	265	24	%	%	NOUN
framr-1733	265	25	rank	rank	NOUN
framr-1733	265	26	%	%	NOUN
framr-1733	265	27	rank	rank	NOUN
framr-1733	265	28	%	%	NOUN
framr-1733	266	1	rank	rank	NOUN
framr-1733	266	2	mean	mean	PROPN
framr-1733	266	3	rank	rank	NOUN
framr-1733	266	4	cbk	cbk	PROPN
framr-1733	266	5	2.55	2.55	NUM
framr-1733	266	6	8	8	NUM
framr-1733	266	7	20.53	20.53	NUM
framr-1733	266	8	8	8	NUM
framr-1733	266	9	0.71	0.71	NUM
framr-1733	266	10	8	8	NUM
framr-1733	266	11	5.02	5.02	NUM
framr-1733	266	12	9	9	NUM
framr-1733	266	13	8.25	8.25	NUM
framr-1733	266	14	9	9	NUM
framr-1733	266	15	nbk	nbk	PROPN
framr-1733	266	16	3.31	3.31	NUM
framr-1733	266	17	2	2	NUM
framr-1733	266	18	44.64	44.64	NUM
framr-1733	266	19	1	1	NUM
framr-1733	266	20	1.62	1.62	NUM
framr-1733	266	21	1	1	NUM
framr-1733	266	22	10.41	10.41	NUM
framr-1733	266	23	2	2	NUM
framr-1733	266	24	1.50	1.50	NUM
framr-1733	266	25	1	1	NUM
framr-1733	266	26	gbk	gbk	PROPN
framr-1733	266	27	2.47	2.47	NUM
framr-1733	266	28	9	9	NUM
framr-1733	266	29	21.01	21.01	NUM
framr-1733	266	30	7	7	NUM
framr-1733	266	31	0.69	0.69	NUM
framr-1733	266	32	9	9	NUM
framr-1733	266	33	7.25	7.25	NUM
framr-1733	266	34	5	5	NUM
framr-1733	266	35	7.50	7.50	NUM
framr-1733	266	36	8	8	NUM
framr-1733	266	37	abk	abk	NOUN
framr-1733	266	38	2.96	2.96	NUM
framr-1733	266	39	5	5	NUM
framr-1733	266	40	29.60	29.60	NUM
framr-1733	266	41	3	3	NUM
framr-1733	266	42	1.08	1.08	NUM
framr-1733	266	43	3	3	NUM
framr-1733	266	44	6.88	6.88	NUM
framr-1733	266	45	6	6	NUM
framr-1733	266	46	4.25	4.25	NUM
framr-1733	266	47	3	3	NUM
framr-1733	266	48	bbk	bbk	NOUN
framr-1733	266	49	2.79	2.79	NUM
framr-1733	266	50	7	7	NUM
framr-1733	266	51	29.59	29.59	NUM
framr-1733	266	52	4	4	NUM
framr-1733	266	53	1.02	1.02	NUM
framr-1733	266	54	4	4	NUM
framr-1733	266	55	7.70	7.70	NUM
framr-1733	266	56	3	3	NUM
framr-1733	266	57	4.50	4.50	NUM
framr-1733	266	58	4	4	NUM
framr-1733	266	59	kfh	kfh	VERB
framr-1733	266	60	3.65	3.65	NUM
framr-1733	266	61	1	1	NUM
framr-1733	266	62	19.29	19.29	NUM
framr-1733	266	63	9	9	NUM
framr-1733	266	64	0.88	0.88	NUM
framr-1733	266	65	7	7	NUM
framr-1733	266	66	6.49	6.49	NUM
framr-1733	266	67	7	7	NUM
framr-1733	266	68	6.00	6.00	NUM
framr-1733	266	69	7	7	NUM
framr-1733	266	70	buk	buk	NOUN
framr-1733	266	71	3.20	3.20	NUM
framr-1733	266	72	4	4	NUM
framr-1733	266	73	27.38	27.38	NUM
framr-1733	266	74	5	5	NUM
framr-1733	266	75	0.90	0.90	NUM
framr-1733	266	76	6	6	NUM
framr-1733	266	77	7.44	7.44	NUM
framr-1733	266	78	4	4	NUM
framr-1733	266	79	4.75	4.75	NUM
framr-1733	266	80	5	5	NUM
framr-1733	266	81	kib	kib	NOUN
framr-1733	266	82	3.21	3.21	NUM
framr-1733	266	83	3	3	NUM
framr-1733	266	84	25.42	25.42	NUM
framr-1733	266	85	6	6	NUM
framr-1733	266	86	0.97	0.97	NUM
framr-1733	266	87	5	5	NUM
framr-1733	266	88	6.19	6.19	NUM
framr-1733	266	89	8	8	NUM
framr-1733	266	90	5.50	5.50	NUM
framr-1733	266	91	6	6	NUM
framr-1733	266	92	aub	aub	NOUN
framr-1733	266	93	2.86	2.86	NUM
framr-1733	266	94	6	6	NUM
framr-1733	266	95	38.59	38.59	NUM
framr-1733	266	96	2	2	NUM
framr-1733	266	97	1.20	1.20	NUM
framr-1733	266	98	2	2	NUM
framr-1733	266	99	12.56	12.56	NUM
framr-1733	266	100	1	1	NUM
framr-1733	266	101	2.75	2.75	NUM
framr-1733	266	102	2	2	NUM
framr-1733	266	103	mean	mean	NOUN
framr-1733	266	104	3.00	3.00	NUM
framr-1733	266	105	28.45	28.45	NUM
framr-1733	266	106	1.01	1.01	NUM
framr-1733	266	107	7.77	7.77	NUM
framr-1733	266	108	return	return	NOUN
framr-1733	266	109	on	on	ADP
framr-1733	266	110	equity	equity	NOUN
framr-1733	266	111	(	(	PUNCT
framr-1733	266	112	roe	roe	PROPN
framr-1733	266	113	)	)	PUNCT
framr-1733	266	114	is	be	AUX
framr-1733	266	115	a	a	DET
framr-1733	266	116	ratio	ratio	NOUN
framr-1733	266	117	that	that	PRON
framr-1733	266	118	has	have	VERB
framr-1733	266	119	a	a	DET
framr-1733	266	120	special	special	ADJ
framr-1733	266	121	interest	interest	NOUN
framr-1733	266	122	by	by	ADP
framr-1733	266	123	the	the	DET
framr-1733	266	124	shareholders	shareholder	NOUN
framr-1733	266	125	.	.	PUNCT
framr-1733	267	1	they	they	PRON
framr-1733	267	2	look	look	VERB
framr-1733	267	3	at	at	ADP
framr-1733	267	4	it	it	PRON
framr-1733	267	5	as	as	ADP
framr-1733	267	6	a	a	DET
framr-1733	267	7	measure	measure	NOUN
framr-1733	267	8	of	of	ADP
framr-1733	267	9	how	how	SCONJ
framr-1733	267	10	well	well	ADV
framr-1733	267	11	their	their	PRON
framr-1733	267	12	investments	investment	NOUN
framr-1733	267	13	in	in	ADP
framr-1733	267	14	the	the	DET
framr-1733	267	15	bank	bank	NOUN
framr-1733	267	16	are	be	AUX
framr-1733	267	17	doing	do	VERB
framr-1733	267	18	.	.	PUNCT
framr-1733	268	1	aub	aub	PROPN
framr-1733	268	2	provided	provide	VERB
framr-1733	268	3	the	the	DET
framr-1733	268	4	best	good	ADJ
framr-1733	268	5	return	return	NOUN
framr-1733	268	6	for	for	ADP
framr-1733	268	7	his	his	PRON
framr-1733	268	8	stock	stock	NOUN
framr-1733	268	9	holders	holder	NOUN
framr-1733	268	10	by	by	ADP
framr-1733	268	11	generating	generate	VERB
framr-1733	268	12	a	a	DET
framr-1733	268	13	mean	mean	ADJ
framr-1733	268	14	return	return	NOUN
framr-1733	268	15	over	over	ADP
framr-1733	268	16	the	the	DET
framr-1733	268	17	years	year	NOUN
framr-1733	268	18	from	from	ADP
framr-1733	268	19	2011	2011	NUM
framr-1733	268	20	-	-	SYM
framr-1733	268	21	2016	2016	NUM
framr-1733	268	22	of	of	ADP
framr-1733	268	23	12.56	12.56	NUM
framr-1733	268	24	%	%	NOUN
framr-1733	268	25	followed	follow	VERB
framr-1733	268	26	by	by	ADP
framr-1733	268	27	nbk	nbk	PROPN
framr-1733	268	28	with	with	ADP
framr-1733	268	29	10.41	10.41	NUM
framr-1733	268	30	%	%	NOUN
framr-1733	268	31	.	.	PUNCT
framr-1733	269	1	cbk	cbk	PROPN
framr-1733	269	2	was	be	AUX
framr-1733	269	3	the	the	DET
framr-1733	269	4	lowest	low	ADJ
framr-1733	269	5	bank	bank	NOUN
framr-1733	269	6	in	in	ADP
framr-1733	269	7	terms	term	NOUN
framr-1733	269	8	of	of	ADP
framr-1733	269	9	roe	roe	NOUN
framr-1733	269	10	with	with	ADP
framr-1733	269	11	only	only	ADV
framr-1733	269	12	5.02	5.02	NUM
framr-1733	269	13	%	%	NOUN
framr-1733	269	14	followed	follow	VERB
framr-1733	269	15	by	by	ADP
framr-1733	269	16	kib	kib	NOUN
framr-1733	269	17	with	with	ADP
framr-1733	269	18	6.19	6.19	NUM
framr-1733	269	19	%	%	NOUN
framr-1733	269	20	.	.	PUNCT
framr-1733	270	1	as	as	ADP
framr-1733	270	2	a	a	DET
framr-1733	270	3	group	group	NOUN
framr-1733	270	4	when	when	SCONJ
framr-1733	270	5	taking	take	VERB
framr-1733	270	6	the	the	DET
framr-1733	270	7	average	average	ADJ
framr-1733	270	8	score	score	NOUN
framr-1733	270	9	for	for	ADP
framr-1733	270	10	the	the	DET
framr-1733	270	11	5	5	NUM
framr-1733	270	12	ratio	ratio	NOUN
framr-1733	270	13	’s	’s	NOUN
framr-1733	270	14	that	that	PRON
framr-1733	270	15	were	be	AUX
framr-1733	270	16	used	use	VERB
framr-1733	270	17	in	in	ADP
framr-1733	270	18	evaluating	evaluate	VERB
framr-1733	270	19	the	the	DET
framr-1733	270	20	earning	earn	VERB
framr-1733	270	21	quality	quality	NOUN
framr-1733	270	22	,	,	PUNCT
framr-1733	270	23	it	it	PRON
framr-1733	270	24	can	can	AUX
framr-1733	270	25	be	be	AUX
framr-1733	270	26	concluded	conclude	VERB
framr-1733	270	27	that	that	SCONJ
framr-1733	270	28	nbk	nbk	PROPN
framr-1733	270	29	was	be	AUX
framr-1733	270	30	for	for	ADP
framr-1733	270	31	the	the	DET
framr-1733	270	32	period	period	NOUN
framr-1733	270	33	2011	2011	NUM
framr-1733	270	34	-	-	SYM
framr-1733	270	35	2016	2016	NUM
framr-1733	270	36	the	the	DET
framr-1733	270	37	best	good	ADJ
framr-1733	270	38	performer	performer	NOUN
framr-1733	270	39	in	in	ADP
framr-1733	270	40	that	that	DET
framr-1733	270	41	area	area	NOUN
framr-1733	270	42	followed	follow	VERB
framr-1733	270	43	by	by	ADP
framr-1733	270	44	aub	aub	PROPN
framr-1733	270	45	.	.	PUNCT
framr-1733	271	1	gbk	gbk	PROPN
framr-1733	271	2	was	be	AUX
framr-1733	271	3	the	the	DET
framr-1733	271	4	last	last	ADJ
framr-1733	271	5	in	in	ADP
framr-1733	271	6	that	that	DET
framr-1733	271	7	category	category	NOUN
framr-1733	271	8	followed	follow	VERB
framr-1733	271	9	by	by	ADP
framr-1733	271	10	cbk	cbk	PROPN
framr-1733	271	11	despite	despite	SCONJ
framr-1733	271	12	having	have	VERB
framr-1733	271	13	the	the	DET
framr-1733	271	14	highest	high	ADJ
framr-1733	271	15	change	change	NOUN
framr-1733	271	16	in	in	ADP
framr-1733	271	17	net	net	ADJ
framr-1733	271	18	profit	profit	NOUN
framr-1733	271	19	.	.	PUNCT
framr-1733	272	1	financial	financial	ADJ
framr-1733	272	2	risk	risk	NOUN
framr-1733	272	3	and	and	CCONJ
framr-1733	272	4	management	management	NOUN
framr-1733	272	5	reviews	review	NOUN
framr-1733	272	6	,	,	PUNCT
framr-1733	272	7	2019	2019	NUM
framr-1733	272	8	,	,	PUNCT
framr-1733	272	9	5(1	5(1	NUM
framr-1733	272	10	):	):	PUNCT
framr-1733	272	11	55	55	NUM
framr-1733	272	12	-	-	SYM
framr-1733	272	13	69	69	NUM
framr-1733	272	14	65	65	NUM
framr-1733	272	15	©	©	PROPN
framr-1733	272	16	2019	2019	NUM
framr-1733	272	17	conscientia	conscientia	PROPN
framr-1733	272	18	beam	beam	PROPN
framr-1733	272	19	.	.	PUNCT
framr-1733	273	1	all	all	DET
framr-1733	273	2	rights	right	NOUN
framr-1733	273	3	reserved	reserve	VERB
framr-1733	273	4	.	.	PUNCT
framr-1733	274	1	based	base	VERB
framr-1733	274	2	on	on	ADP
framr-1733	274	3	dang	dang	PROPN
framr-1733	274	4	(	(	PUNCT
framr-1733	274	5	2011	2011	NUM
framr-1733	274	6	)	)	PUNCT
framr-1733	274	7	stated	state	VERB
framr-1733	274	8	that	that	SCONJ
framr-1733	274	9	adequate	adequate	ADJ
framr-1733	274	10	level	level	NOUN
framr-1733	274	11	of	of	ADP
framr-1733	274	12	liquidity	liquidity	NOUN
framr-1733	274	13	is	be	AUX
framr-1733	274	14	positively	positively	ADV
framr-1733	274	15	correlated	correlate	VERB
framr-1733	274	16	with	with	ADP
framr-1733	274	17	bank	bank	NOUN
framr-1733	274	18	profitability	profitability	NOUN
framr-1733	274	19	.	.	PUNCT
framr-1733	275	1	this	this	DET
framr-1733	275	2	conclusion	conclusion	NOUN
framr-1733	275	3	shows	show	VERB
framr-1733	275	4	the	the	DET
framr-1733	275	5	importance	importance	NOUN
framr-1733	275	6	of	of	ADP
framr-1733	275	7	maintaining	maintain	VERB
framr-1733	275	8	a	a	DET
framr-1733	275	9	healthy	healthy	ADJ
framr-1733	275	10	liquidity	liquidity	NOUN
framr-1733	275	11	in	in	ADP
framr-1733	275	12	the	the	DET
framr-1733	275	13	banks	bank	NOUN
framr-1733	275	14	.	.	PUNCT
framr-1733	276	1	liquidity	liquidity	NOUN
framr-1733	276	2	indicates	indicate	VERB
framr-1733	276	3	the	the	DET
framr-1733	276	4	ability	ability	NOUN
framr-1733	276	5	of	of	ADP
framr-1733	276	6	the	the	DET
framr-1733	276	7	bank	bank	NOUN
framr-1733	276	8	to	to	PART
framr-1733	276	9	honor	honor	VERB
framr-1733	276	10	and	and	CCONJ
framr-1733	276	11	fulfill	fulfill	VERB
framr-1733	276	12	its	its	PRON
framr-1733	276	13	obligations	obligation	NOUN
framr-1733	276	14	,	,	PUNCT
framr-1733	276	15	especially	especially	ADV
framr-1733	276	16	to	to	ADP
framr-1733	276	17	their	their	PRON
framr-1733	276	18	depositors	depositor	NOUN
framr-1733	276	19	.	.	PUNCT
framr-1733	277	1	government	government	NOUN
framr-1733	277	2	securities	security	NOUN
framr-1733	277	3	are	be	AUX
framr-1733	277	4	considered	consider	VERB
framr-1733	277	5	to	to	PART
framr-1733	277	6	be	be	AUX
framr-1733	277	7	the	the	DET
framr-1733	277	8	safest	safe	ADJ
framr-1733	277	9	and	and	CCONJ
framr-1733	277	10	most	most	ADV
framr-1733	277	11	liquid	liquid	ADJ
framr-1733	277	12	investment	investment	NOUN
framr-1733	277	13	a	a	DET
framr-1733	277	14	bank	bank	NOUN
framr-1733	277	15	can	can	AUX
framr-1733	277	16	hold	hold	VERB
framr-1733	277	17	.	.	PUNCT
framr-1733	278	1	having	have	VERB
framr-1733	278	2	a	a	DET
framr-1733	278	3	high	high	ADJ
framr-1733	278	4	government	government	NOUN
framr-1733	278	5	securities	security	NOUN
framr-1733	278	6	to	to	ADP
framr-1733	278	7	total	total	ADJ
framr-1733	278	8	assets	asset	NOUN
framr-1733	278	9	ratio	ratio	NOUN
framr-1733	278	10	would	would	AUX
framr-1733	278	11	imply	imply	VERB
framr-1733	278	12	that	that	SCONJ
framr-1733	278	13	that	that	SCONJ
framr-1733	278	14	the	the	DET
framr-1733	278	15	bank	bank	NOUN
framr-1733	278	16	have	have	VERB
framr-1733	278	17	sufficient	sufficient	ADJ
framr-1733	278	18	liquid	liquid	ADJ
framr-1733	278	19	investments	investment	NOUN
framr-1733	278	20	to	to	PART
framr-1733	278	21	cover	cover	VERB
framr-1733	278	22	any	any	DET
framr-1733	278	23	unexpected	unexpected	ADJ
framr-1733	278	24	events	event	NOUN
framr-1733	278	25	.	.	PUNCT
framr-1733	279	1	while	while	SCONJ
framr-1733	279	2	holding	hold	VERB
framr-1733	279	3	a	a	DET
framr-1733	279	4	large	large	ADJ
framr-1733	279	5	portion	portion	NOUN
framr-1733	279	6	of	of	ADP
framr-1733	279	7	the	the	DET
framr-1733	279	8	banks	bank	NOUN
framr-1733	279	9	’	’	PART
framr-1733	279	10	assets	asset	NOUN
framr-1733	279	11	in	in	ADP
framr-1733	279	12	government	government	NOUN
framr-1733	279	13	securities	security	NOUN
framr-1733	279	14	would	would	AUX
framr-1733	279	15	ensure	ensure	VERB
framr-1733	279	16	that	that	SCONJ
framr-1733	279	17	the	the	DET
framr-1733	279	18	bank	bank	NOUN
framr-1733	279	19	has	have	VERB
framr-1733	279	20	an	an	DET
framr-1733	279	21	adequate	adequate	ADJ
framr-1733	279	22	level	level	NOUN
framr-1733	279	23	of	of	ADP
framr-1733	279	24	liquidity	liquidity	NOUN
framr-1733	279	25	,	,	PUNCT
framr-1733	279	26	it	it	PRON
framr-1733	279	27	would	would	AUX
framr-1733	279	28	also	also	ADV
framr-1733	279	29	have	have	VERB
framr-1733	279	30	an	an	DET
framr-1733	279	31	effect	effect	NOUN
framr-1733	279	32	on	on	ADP
framr-1733	279	33	the	the	DET
framr-1733	279	34	bank	bank	NOUN
framr-1733	279	35	’s	’s	PART
framr-1733	279	36	earnings	earning	NOUN
framr-1733	279	37	since	since	SCONJ
framr-1733	279	38	government	government	NOUN
framr-1733	279	39	securities	security	NOUN
framr-1733	279	40	offer	offer	VERB
framr-1733	279	41	the	the	DET
framr-1733	279	42	lowest	low	ADJ
framr-1733	279	43	return	return	NOUN
framr-1733	279	44	compared	compare	VERB
framr-1733	279	45	to	to	ADP
framr-1733	279	46	other	other	ADJ
framr-1733	279	47	market	market	NOUN
framr-1733	279	48	investment	investment	NOUN
framr-1733	279	49	instruments	instrument	NOUN
framr-1733	279	50	.	.	PUNCT
framr-1733	280	1	in	in	ADP
framr-1733	280	2	that	that	DET
framr-1733	280	3	ratio	ratio	NOUN
framr-1733	280	4	it	it	PRON
framr-1733	280	5	can	can	AUX
framr-1733	280	6	be	be	AUX
framr-1733	280	7	seen	see	VERB
framr-1733	280	8	that	that	SCONJ
framr-1733	280	9	gbk	gbk	PROPN
framr-1733	280	10	has	have	VERB
framr-1733	280	11	the	the	DET
framr-1733	280	12	highest	high	ADJ
framr-1733	280	13	ratio	ratio	NOUN
framr-1733	280	14	of	of	ADP
framr-1733	280	15	18.44	18.44	NUM
framr-1733	280	16	%	%	NOUN
framr-1733	280	17	followed	follow	VERB
framr-1733	280	18	by	by	ADP
framr-1733	280	19	kib	kib	NOUN
framr-1733	280	20	of	of	ADP
framr-1733	280	21	18.12	18.12	NUM
framr-1733	280	22	%	%	NOUN
framr-1733	280	23	.	.	PUNCT
framr-1733	281	1	on	on	ADP
framr-1733	281	2	the	the	DET
framr-1733	281	3	other	other	ADJ
framr-1733	281	4	hand	hand	NOUN
framr-1733	281	5	,	,	PUNCT
framr-1733	281	6	buk	buk	PROPN
framr-1733	281	7	holds	hold	VERB
framr-1733	281	8	the	the	DET
framr-1733	281	9	lowest	low	ADJ
framr-1733	281	10	ratio	ratio	NOUN
framr-1733	281	11	among	among	ADP
framr-1733	281	12	kuwaiti	kuwaiti	PROPN
framr-1733	281	13	banks	bank	NOUN
framr-1733	281	14	of	of	ADP
framr-1733	281	15	only	only	ADV
framr-1733	281	16	1.40	1.40	NUM
framr-1733	281	17	%	%	NOUN
framr-1733	281	18	.	.	PUNCT
framr-1733	282	1	table-13	table-13	PROPN
framr-1733	282	2	.	.	PUNCT
framr-1733	282	3	liquidity	liquidity	NOUN
framr-1733	282	4	ratios	ratio	NOUN
framr-1733	282	5	.	.	PUNCT
framr-1733	283	1	liquidity	liquidity	NOUN
framr-1733	283	2	ratios	ratio	NOUN
framr-1733	283	3	bank	bank	PROPN
framr-1733	283	4	g	g	PROPN
framr-1733	283	5	-	-	PUNCT
framr-1733	283	6	sec	sec	PROPN
framr-1733	283	7	to	to	ADP
framr-1733	283	8	total	total	ADJ
framr-1733	283	9	assets	asset	NOUN
framr-1733	283	10	liquid	liquid	ADJ
framr-1733	283	11	assets	asset	NOUN
framr-1733	283	12	to	to	ADP
framr-1733	283	13	liquid	liquid	ADJ
framr-1733	283	14	liabilities	liability	NOUN
framr-1733	283	15	liquid	liquid	ADJ
framr-1733	283	16	assets	asset	NOUN
framr-1733	283	17	to	to	PART
framr-1733	283	18	total	total	VERB
framr-1733	283	19	customers	customer	NOUN
framr-1733	283	20	deposits	deposit	VERB
framr-1733	283	21	3	3	NUM
framr-1733	283	22	m	m	NOUN
framr-1733	283	23	liquidity	liquidity	NOUN
framr-1733	283	24	gap	gap	NOUN
framr-1733	283	25	to	to	ADP
framr-1733	283	26	3	3	NUM
framr-1733	283	27	m	m	PROPN
framr-1733	283	28	assets	asset	NOUN
framr-1733	283	29	group	group	NOUN
framr-1733	284	1	rank	rank	NOUN
framr-1733	284	2	%	%	PROPN
framr-1733	284	3	rank	rank	PROPN
framr-1733	284	4	%	%	NOUN
framr-1733	284	5	rank	rank	NOUN
framr-1733	284	6	%	%	NOUN
framr-1733	284	7	rank	rank	NOUN
framr-1733	284	8	%	%	NOUN
framr-1733	284	9	rank	rank	NOUN
framr-1733	284	10	mean	mean	PROPN
framr-1733	284	11	rank	rank	PROPN
framr-1733	284	12	cbk	cbk	PROPN
framr-1733	284	13	10.48	10.48	NUM
framr-1733	284	14	5	5	NUM
framr-1733	284	15	20.82	20.82	NUM
framr-1733	284	16	5	5	NUM
framr-1733	284	17	34.23	34.23	NUM
framr-1733	284	18	5	5	NUM
framr-1733	284	19	0.43	0.43	NUM
framr-1733	284	20	1	1	NUM
framr-1733	284	21	4.00	4.00	NUM
framr-1733	284	22	3	3	NUM
framr-1733	284	23	nbk	nbk	PROPN
framr-1733	284	24	5.59	5.59	NUM
framr-1733	284	25	8	8	NUM
framr-1733	284	26	17.21	17.21	NUM
framr-1733	284	27	8	8	NUM
framr-1733	284	28	31.55	31.55	NUM
framr-1733	284	29	7	7	NUM
framr-1733	284	30	-59.96	-59.96	SYM
framr-1733	284	31	8	8	NUM
framr-1733	284	32	7.75	7.75	NUM
framr-1733	284	33	9	9	NUM
framr-1733	284	34	gbk	gbk	PROPN
framr-1733	284	35	18.44	18.44	NUM
framr-1733	284	36	1	1	NUM
framr-1733	284	37	25.54	25.54	NUM
framr-1733	284	38	1	1	NUM
framr-1733	284	39	38.02	38.02	NUM
framr-1733	284	40	2	2	NUM
framr-1733	284	41	-67.50	-67.50	SYM
framr-1733	284	42	9	9	NUM
framr-1733	284	43	3.25	3.25	NUM
framr-1733	284	44	2	2	NUM
framr-1733	284	45	abk	abk	PROPN
framr-1733	284	46	15.54	15.54	NUM
framr-1733	284	47	3	3	NUM
framr-1733	284	48	20.16	20.16	NUM
framr-1733	284	49	6	6	NUM
framr-1733	284	50	32.60	32.60	NUM
framr-1733	284	51	6	6	NUM
framr-1733	284	52	-55.40	-55.40	PROPN
framr-1733	284	53	7	7	NUM
framr-1733	284	54	5.50	5.50	NUM
framr-1733	284	55	7	7	NUM
framr-1733	284	56	bbk	bbk	NOUN
framr-1733	284	57	8.21	8.21	NUM
framr-1733	284	58	7	7	NUM
framr-1733	284	59	20.96	20.96	NUM
framr-1733	284	60	4	4	NUM
framr-1733	284	61	34.99	34.99	NUM
framr-1733	284	62	3	3	NUM
framr-1733	284	63	-36.49	-36.49	SYM
framr-1733	284	64	4	4	NUM
framr-1733	284	65	4.50	4.50	NUM
framr-1733	284	66	4	4	NUM
framr-1733	284	67	kfh	kfh	VERB
framr-1733	284	68	8.27	8.27	NUM
framr-1733	284	69	6	6	NUM
framr-1733	284	70	22.29	22.29	NUM
framr-1733	284	71	3	3	NUM
framr-1733	284	72	34.43	34.43	NUM
framr-1733	284	73	4	4	NUM
framr-1733	284	74	-46.71	-46.71	PROPN
framr-1733	284	75	5	5	NUM
framr-1733	284	76	4.50	4.50	NUM
framr-1733	284	77	4	4	NUM
framr-1733	284	78	buk	buk	NOUN
framr-1733	284	79	1.40	1.40	NUM
framr-1733	284	80	9	9	NUM
framr-1733	284	81	11.16	11.16	NUM
framr-1733	284	82	9	9	NUM
framr-1733	284	83	14.37	14.37	NUM
framr-1733	284	84	9	9	NUM
framr-1733	284	85	-18.31	-18.31	SYM
framr-1733	284	86	3	3	NUM
framr-1733	284	87	7.50	7.50	NUM
framr-1733	284	88	8	8	NUM
framr-1733	284	89	kib	kib	NOUN
framr-1733	284	90	18.12	18.12	NUM
framr-1733	284	91	2	2	NUM
framr-1733	284	92	25.19	25.19	NUM
framr-1733	284	93	2	2	NUM
framr-1733	284	94	41.55	41.55	NUM
framr-1733	284	95	1	1	NUM
framr-1733	284	96	-48.69	-48.69	ADP
framr-1733	284	97	6	6	NUM
framr-1733	284	98	2.75	2.75	NUM
framr-1733	284	99	1	1	NUM
framr-1733	284	100	aub	aub	NOUN
framr-1733	284	101	10.64	10.64	NUM
framr-1733	284	102	4	4	NUM
framr-1733	284	103	19.11	19.11	NUM
framr-1733	284	104	7	7	NUM
framr-1733	284	105	28.71	28.71	NUM
framr-1733	284	106	8	8	NUM
framr-1733	284	107	-12.49	-12.49	ADP
framr-1733	284	108	2	2	NUM
framr-1733	284	109	5.25	5.25	NUM
framr-1733	284	110	6	6	NUM
framr-1733	284	111	mean	mean	NOUN
framr-1733	284	112	10.74	10.74	NUM
framr-1733	284	113	20.27	20.27	NUM
framr-1733	284	114	32.27	32.27	NUM
framr-1733	284	115	-38.35	-38.35	PUNCT
framr-1733	284	116	many	many	ADJ
framr-1733	284	117	such	such	ADJ
framr-1733	284	118	as	as	ADP
framr-1733	284	119	demirgüç	demirgüç	NOUN
framr-1733	284	120	-	-	PUNCT
framr-1733	284	121	kunt	kunt	PROPN
framr-1733	284	122	(	(	PUNCT
framr-1733	284	123	1989	1989	NUM
framr-1733	284	124	)	)	PUNCT
framr-1733	284	125	and	and	CCONJ
framr-1733	284	126	gonzález	gonzález	PROPN
framr-1733	284	127	-	-	PUNCT
framr-1733	284	128	hermosillo	hermosillo	PROPN
framr-1733	284	129	(	(	PUNCT
framr-1733	284	130	1999	1999	NUM
framr-1733	284	131	)	)	PUNCT
framr-1733	284	132	used	use	VERB
framr-1733	284	133	liquid	liquid	ADJ
framr-1733	284	134	assets	asset	NOUN
framr-1733	284	135	to	to	ADP
framr-1733	284	136	liquid	liquid	ADJ
framr-1733	284	137	liabilities	liability	NOUN
framr-1733	284	138	as	as	ADP
framr-1733	284	139	a	a	DET
framr-1733	284	140	measure	measure	NOUN
framr-1733	284	141	of	of	ADP
framr-1733	284	142	a	a	DET
framr-1733	284	143	banks	bank	NOUN
framr-1733	284	144	liquidity	liquidity	NOUN
framr-1733	284	145	under	under	ADP
framr-1733	284	146	camels	camel	NOUN
framr-1733	284	147	approach	approach	NOUN
framr-1733	284	148	.	.	PUNCT
framr-1733	285	1	having	have	VERB
framr-1733	285	2	a	a	DET
framr-1733	285	3	higher	high	ADJ
framr-1733	285	4	ratio	ratio	NOUN
framr-1733	285	5	would	would	AUX
framr-1733	285	6	mean	mean	VERB
framr-1733	285	7	that	that	SCONJ
framr-1733	285	8	the	the	DET
framr-1733	285	9	bank	bank	NOUN
framr-1733	285	10	is	be	AUX
framr-1733	285	11	capable	capable	ADJ
framr-1733	285	12	of	of	ADP
framr-1733	285	13	meeting	meet	VERB
framr-1733	285	14	any	any	DET
framr-1733	285	15	unexpected	unexpected	ADJ
framr-1733	285	16	cash	cash	NOUN
framr-1733	285	17	outflows	outflow	NOUN
framr-1733	285	18	,	,	PUNCT
framr-1733	285	19	and	and	CCONJ
framr-1733	285	20	for	for	ADP
framr-1733	285	21	that	that	PRON
framr-1733	285	22	it	it	PRON
framr-1733	285	23	can	can	AUX
framr-1733	285	24	be	be	AUX
framr-1733	285	25	seen	see	VERB
framr-1733	285	26	from	from	ADP
framr-1733	285	27	table	table	NOUN
framr-1733	285	28	13	13	NUM
framr-1733	285	29	that	that	PRON
framr-1733	285	30	gbk	gbk	PROPN
framr-1733	285	31	came	come	VERB
framr-1733	285	32	at	at	ADP
framr-1733	285	33	the	the	DET
framr-1733	285	34	top	top	NOUN
framr-1733	285	35	of	of	ADP
framr-1733	285	36	the	the	DET
framr-1733	285	37	kuwaiti	kuwaiti	PROPN
framr-1733	285	38	banks	bank	NOUN
framr-1733	285	39	with	with	ADP
framr-1733	285	40	a	a	DET
framr-1733	285	41	ratio	ratio	NOUN
framr-1733	285	42	of	of	ADP
framr-1733	285	43	25.54	25.54	NUM
framr-1733	285	44	%	%	NOUN
framr-1733	285	45	followed	follow	VERB
framr-1733	285	46	by	by	ADP
framr-1733	285	47	kib	kib	NOUN
framr-1733	285	48	with	with	ADP
framr-1733	285	49	25.19	25.19	NUM
framr-1733	285	50	%	%	NOUN
framr-1733	285	51	.	.	PUNCT
framr-1733	286	1	buk	buk	PROPN
framr-1733	286	2	and	and	CCONJ
framr-1733	286	3	nbk	nbk	PROPN
framr-1733	286	4	were	be	AUX
framr-1733	286	5	the	the	DET
framr-1733	286	6	worst	bad	ADJ
framr-1733	286	7	performers	performer	NOUN
framr-1733	286	8	in	in	ADP
framr-1733	286	9	that	that	DET
framr-1733	286	10	ratio	ratio	NOUN
framr-1733	286	11	by	by	ADP
framr-1733	286	12	holding	hold	VERB
framr-1733	286	13	11.16	11.16	NUM
framr-1733	286	14	%	%	NOUN
framr-1733	286	15	and	and	CCONJ
framr-1733	286	16	17.21	17.21	NUM
framr-1733	286	17	%	%	NOUN
framr-1733	286	18	respectively	respectively	ADV
framr-1733	286	19	.	.	PUNCT
framr-1733	287	1	while	while	SCONJ
framr-1733	287	2	all	all	DET
framr-1733	287	3	banks	bank	NOUN
framr-1733	287	4	compete	compete	VERB
framr-1733	287	5	to	to	PART
framr-1733	287	6	get	get	VERB
framr-1733	287	7	more	more	ADJ
framr-1733	287	8	customers	customer	NOUN
framr-1733	287	9	deposits	deposit	NOUN
framr-1733	287	10	,	,	PUNCT
framr-1733	287	11	these	these	DET
framr-1733	287	12	deposits	deposit	NOUN
framr-1733	287	13	are	be	AUX
framr-1733	287	14	also	also	ADV
framr-1733	287	15	the	the	DET
framr-1733	287	16	most	most	ADV
framr-1733	287	17	unsettled	unsettled	ADJ
framr-1733	287	18	deposits	deposit	NOUN
framr-1733	287	19	.	.	PUNCT
framr-1733	288	1	for	for	ADP
framr-1733	288	2	that	that	DET
framr-1733	288	3	matter	matter	NOUN
framr-1733	288	4	banks	bank	NOUN
framr-1733	288	5	tend	tend	VERB
framr-1733	288	6	to	to	PART
framr-1733	288	7	be	be	AUX
framr-1733	288	8	cautious	cautious	ADJ
framr-1733	288	9	when	when	SCONJ
framr-1733	288	10	it	it	PRON
framr-1733	288	11	comes	come	VERB
framr-1733	288	12	to	to	ADP
framr-1733	288	13	customers	customer	NOUN
framr-1733	288	14	deposits	deposit	NOUN
framr-1733	288	15	and	and	CCONJ
framr-1733	288	16	as	as	ADP
framr-1733	288	17	a	a	DET
framr-1733	288	18	result	result	NOUN
framr-1733	288	19	of	of	ADP
framr-1733	288	20	that	that	PRON
framr-1733	288	21	should	should	AUX
framr-1733	288	22	be	be	AUX
framr-1733	288	23	alert	alert	ADJ
framr-1733	288	24	for	for	ADP
framr-1733	288	25	it	it	PRON
framr-1733	288	26	.	.	PUNCT
framr-1733	289	1	having	have	VERB
framr-1733	289	2	a	a	DET
framr-1733	289	3	high	high	ADJ
framr-1733	289	4	liquid	liquid	ADJ
framr-1733	289	5	assets	asset	NOUN
framr-1733	289	6	to	to	ADP
framr-1733	289	7	customer	customer	NOUN
framr-1733	289	8	’s	’s	PART
framr-1733	289	9	deposits	deposit	NOUN
framr-1733	289	10	ratio	ratio	NOUN
framr-1733	289	11	would	would	AUX
framr-1733	289	12	indicate	indicate	VERB
framr-1733	289	13	that	that	SCONJ
framr-1733	289	14	the	the	DET
framr-1733	289	15	bank	bank	NOUN
framr-1733	289	16	is	be	AUX
framr-1733	289	17	prepared	prepare	VERB
framr-1733	289	18	for	for	ADP
framr-1733	289	19	and	and	CCONJ
framr-1733	289	20	sudden	sudden	ADJ
framr-1733	289	21	or	or	CCONJ
framr-1733	289	22	unexpected	unexpected	ADJ
framr-1733	289	23	demand	demand	NOUN
framr-1733	289	24	for	for	ADP
framr-1733	289	25	these	these	DET
framr-1733	289	26	customers	customer	NOUN
framr-1733	289	27	deposits	deposit	NOUN
framr-1733	289	28	.	.	PUNCT
framr-1733	290	1	in	in	ADP
framr-1733	290	2	that	that	DET
framr-1733	290	3	ratio	ratio	NOUN
framr-1733	290	4	,	,	PUNCT
framr-1733	290	5	it	it	PRON
framr-1733	290	6	can	can	AUX
framr-1733	290	7	be	be	AUX
framr-1733	290	8	seen	see	VERB
framr-1733	290	9	that	that	SCONJ
framr-1733	290	10	kib	kib	PROPN
framr-1733	290	11	is	be	AUX
framr-1733	290	12	the	the	DET
framr-1733	290	13	most	most	ADV
framr-1733	290	14	prepared	prepared	ADJ
framr-1733	290	15	bank	bank	NOUN
framr-1733	290	16	in	in	ADP
framr-1733	290	17	kuwait	kuwait	PROPN
framr-1733	290	18	for	for	ADP
framr-1733	290	19	that	that	DET
framr-1733	290	20	scenario	scenario	NOUN
framr-1733	290	21	by	by	ADP
framr-1733	290	22	holding	hold	VERB
framr-1733	290	23	41.55	41.55	NUM
framr-1733	290	24	%	%	NOUN
framr-1733	290	25	of	of	ADP
framr-1733	290	26	their	their	PRON
framr-1733	290	27	customer	customer	NOUN
framr-1733	290	28	’s	’s	PART
framr-1733	290	29	deposits	deposit	NOUN
framr-1733	290	30	in	in	ADP
framr-1733	290	31	liquid	liquid	ADJ
framr-1733	290	32	assets	asset	NOUN
framr-1733	290	33	.	.	PUNCT
framr-1733	291	1	while	while	SCONJ
framr-1733	291	2	on	on	ADP
framr-1733	291	3	the	the	DET
framr-1733	291	4	other	other	ADJ
framr-1733	291	5	side	side	NOUN
framr-1733	291	6	,	,	PUNCT
framr-1733	291	7	buk	buk	PROPN
framr-1733	291	8	was	be	AUX
framr-1733	291	9	the	the	DET
framr-1733	291	10	worst	bad	ADJ
framr-1733	291	11	bank	bank	NOUN
framr-1733	291	12	in	in	ADP
framr-1733	291	13	kuwait	kuwait	PROPN
framr-1733	291	14	by	by	ADP
framr-1733	291	15	holding	hold	VERB
framr-1733	291	16	only	only	ADV
framr-1733	291	17	14.37	14.37	NUM
framr-1733	291	18	%	%	NOUN
framr-1733	291	19	.	.	PUNCT
framr-1733	292	1	on	on	ADP
framr-1733	292	2	an	an	DET
framr-1733	292	3	average	average	NOUN
framr-1733	292	4	the	the	DET
framr-1733	292	5	kuwaiti	kuwaiti	PROPN
framr-1733	292	6	banks	bank	NOUN
framr-1733	292	7	hold	hold	VERB
framr-1733	292	8	32.27	32.27	NUM
framr-1733	292	9	%	%	NOUN
framr-1733	292	10	of	of	ADP
framr-1733	292	11	their	their	PRON
framr-1733	292	12	customer	customer	NOUN
framr-1733	292	13	’s	’s	PART
framr-1733	292	14	deposits	deposit	NOUN
framr-1733	292	15	in	in	ADP
framr-1733	292	16	liquid	liquid	ADJ
framr-1733	292	17	assets	asset	NOUN
framr-1733	292	18	and	and	CCONJ
framr-1733	292	19	only	only	ADV
framr-1733	292	20	three	three	NUM
framr-1733	292	21	banks	bank	NOUN
framr-1733	292	22	(	(	PUNCT
framr-1733	292	23	nbk	nbk	PROPN
framr-1733	292	24	,	,	PUNCT
framr-1733	292	25	buk	buk	PROPN
framr-1733	292	26	,	,	PUNCT
framr-1733	292	27	and	and	CCONJ
framr-1733	292	28	aub	aub	X
framr-1733	292	29	)	)	PUNCT
framr-1733	292	30	were	be	AUX
framr-1733	292	31	below	below	ADP
framr-1733	292	32	the	the	DET
framr-1733	292	33	average	average	NOUN
framr-1733	292	34	.	.	PUNCT
framr-1733	293	1	the	the	DET
framr-1733	293	2	3	3	NUM
framr-1733	293	3	m	m	PROPN
framr-1733	293	4	liquidity	liquidity	NOUN
framr-1733	293	5	gap	gap	NOUN
framr-1733	293	6	is	be	AUX
framr-1733	293	7	basically	basically	ADV
framr-1733	293	8	the	the	DET
framr-1733	293	9	total	total	ADJ
framr-1733	293	10	assets	asset	NOUN
framr-1733	293	11	maturing	mature	VERB
framr-1733	293	12	within	within	ADP
framr-1733	293	13	the	the	DET
framr-1733	293	14	next	next	ADJ
framr-1733	293	15	3	3	NUM
framr-1733	293	16	months	month	NOUN
framr-1733	293	17	minus	minus	CCONJ
framr-1733	293	18	the	the	DET
framr-1733	293	19	total	total	ADJ
framr-1733	293	20	liabilities	liability	NOUN
framr-1733	293	21	maturing	mature	VERB
framr-1733	293	22	within	within	ADP
framr-1733	293	23	the	the	DET
framr-1733	293	24	next	next	ADJ
framr-1733	293	25	3	3	NUM
framr-1733	293	26	months	month	NOUN
framr-1733	293	27	.	.	PUNCT
framr-1733	294	1	having	have	VERB
framr-1733	294	2	a	a	DET
framr-1733	294	3	negative	negative	ADJ
framr-1733	294	4	gap	gap	NOUN
framr-1733	294	5	would	would	AUX
framr-1733	294	6	mean	mean	VERB
framr-1733	294	7	that	that	SCONJ
framr-1733	294	8	the	the	DET
framr-1733	294	9	bank	bank	NOUN
framr-1733	294	10	is	be	AUX
framr-1733	294	11	holding	hold	VERB
framr-1733	294	12	more	more	ADJ
framr-1733	294	13	liabilities	liability	NOUN
framr-1733	294	14	that	that	SCONJ
framr-1733	294	15	assets	asset	NOUN
framr-1733	294	16	which	which	PRON
framr-1733	294	17	is	be	AUX
framr-1733	294	18	not	not	PART
framr-1733	294	19	a	a	DET
framr-1733	294	20	good	good	ADJ
framr-1733	294	21	sign	sign	NOUN
framr-1733	294	22	.	.	PUNCT
framr-1733	295	1	for	for	ADP
framr-1733	295	2	that	that	DET
framr-1733	295	3	matter	matter	NOUN
framr-1733	295	4	the	the	DET
framr-1733	295	5	ratio	ratio	NOUN
framr-1733	295	6	of	of	ADP
framr-1733	295	7	3	3	NUM
framr-1733	295	8	m	m	NOUN
framr-1733	295	9	liquidity	liquidity	NOUN
framr-1733	295	10	gap	gap	NOUN
framr-1733	295	11	to	to	ADP
framr-1733	295	12	3	3	NUM
framr-1733	295	13	m	m	NOUN
framr-1733	295	14	assets	asset	NOUN
framr-1733	295	15	is	be	AUX
framr-1733	295	16	used	use	VERB
framr-1733	295	17	to	to	PART
framr-1733	295	18	determine	determine	VERB
framr-1733	295	19	how	how	SCONJ
framr-1733	295	20	much	much	ADJ
framr-1733	295	21	the	the	DET
framr-1733	295	22	gap	gap	NOUN
framr-1733	295	23	represent	represent	VERB
framr-1733	295	24	out	out	ADP
framr-1733	295	25	of	of	ADP
framr-1733	295	26	the	the	DET
framr-1733	295	27	assets	asset	NOUN
framr-1733	295	28	.	.	PUNCT
framr-1733	296	1	the	the	DET
framr-1733	296	2	higher	high	ADJ
framr-1733	296	3	that	that	SCONJ
framr-1733	296	4	ratio	ratio	NOUN
framr-1733	296	5	means	mean	VERB
framr-1733	296	6	that	that	SCONJ
framr-1733	296	7	the	the	DET
framr-1733	296	8	bank	bank	NOUN
framr-1733	296	9	would	would	AUX
framr-1733	296	10	be	be	AUX
framr-1733	296	11	in	in	ADP
framr-1733	296	12	a	a	DET
framr-1733	296	13	better	well	ADJ
framr-1733	296	14	position	position	NOUN
framr-1733	296	15	in	in	ADP
framr-1733	296	16	terms	term	NOUN
framr-1733	296	17	of	of	ADP
framr-1733	296	18	liquidity	liquidity	NOUN
framr-1733	296	19	.	.	PUNCT
framr-1733	297	1	from	from	ADP
framr-1733	297	2	table	table	NOUN
framr-1733	297	3	13	13	NUM
framr-1733	297	4	it	it	PRON
framr-1733	297	5	can	can	AUX
framr-1733	297	6	be	be	AUX
framr-1733	297	7	seen	see	VERB
framr-1733	297	8	that	that	SCONJ
framr-1733	297	9	cbk	cbk	PROPN
framr-1733	297	10	was	be	AUX
framr-1733	297	11	the	the	DET
framr-1733	297	12	only	only	ADJ
framr-1733	297	13	bank	bank	NOUN
framr-1733	297	14	in	in	ADP
framr-1733	297	15	kuwait	kuwait	PROPN
framr-1733	297	16	that	that	PRON
framr-1733	297	17	have	have	VERB
framr-1733	297	18	more	more	ADJ
framr-1733	297	19	assets	asset	NOUN
framr-1733	297	20	maturing	mature	VERB
framr-1733	297	21	in	in	ADP
framr-1733	297	22	the	the	DET
framr-1733	297	23	next	next	ADJ
framr-1733	297	24	3	3	NUM
framr-1733	297	25	months	month	NOUN
framr-1733	297	26	than	than	ADP
framr-1733	297	27	liabilities	liability	NOUN
framr-1733	297	28	and	and	CCONJ
framr-1733	297	29	for	for	ADP
framr-1733	297	30	that	that	DET
framr-1733	297	31	cbk	cbk	PROPN
framr-1733	297	32	was	be	AUX
framr-1733	297	33	at	at	ADP
framr-1733	297	34	the	the	DET
framr-1733	297	35	top	top	NOUN
framr-1733	297	36	of	of	ADP
framr-1733	297	37	the	the	DET
framr-1733	297	38	list	list	NOUN
framr-1733	297	39	.	.	PUNCT
framr-1733	298	1	while	while	SCONJ
framr-1733	298	2	on	on	ADP
framr-1733	298	3	the	the	DET
framr-1733	298	4	opposite	opposite	ADJ
framr-1733	298	5	side	side	NOUN
framr-1733	298	6	gbk	gbk	PROPN
framr-1733	298	7	was	be	AUX
framr-1733	298	8	the	the	DET
framr-1733	298	9	worst	bad	ADJ
framr-1733	298	10	performer	performer	NOUN
framr-1733	298	11	by	by	ADP
framr-1733	298	12	having	have	VERB
framr-1733	298	13	a	a	DET
framr-1733	298	14	gap	gap	NOUN
framr-1733	298	15	that	that	PRON
framr-1733	298	16	represents	represent	VERB
framr-1733	298	17	-67.50	-67.50	PROPN
framr-1733	298	18	%	%	NOUN
framr-1733	298	19	of	of	ADP
framr-1733	298	20	the	the	DET
framr-1733	298	21	assets	asset	NOUN
framr-1733	298	22	maturing	mature	VERB
framr-1733	298	23	in	in	ADP
framr-1733	298	24	the	the	DET
framr-1733	298	25	next	next	ADJ
framr-1733	298	26	3	3	NUM
framr-1733	298	27	months	month	NOUN
framr-1733	298	28	.	.	PUNCT
framr-1733	299	1	as	as	ADP
framr-1733	299	2	for	for	ADP
framr-1733	299	3	the	the	DET
framr-1733	299	4	liquidity	liquidity	NOUN
framr-1733	299	5	ratios	ratio	NOUN
framr-1733	299	6	,	,	PUNCT
framr-1733	299	7	kib	kib	NOUN
framr-1733	299	8	came	come	VERB
framr-1733	299	9	as	as	ADP
framr-1733	299	10	the	the	DET
framr-1733	299	11	best	good	ADJ
framr-1733	299	12	bank	bank	NOUN
framr-1733	299	13	in	in	ADP
framr-1733	299	14	kuwait	kuwait	PROPN
framr-1733	299	15	when	when	SCONJ
framr-1733	299	16	it	it	PRON
framr-1733	299	17	comes	come	VERB
framr-1733	299	18	to	to	ADP
framr-1733	299	19	liquidity	liquidity	NOUN
framr-1733	299	20	and	and	CCONJ
framr-1733	299	21	nbk	nbk	PROPN
framr-1733	299	22	came	come	VERB
framr-1733	299	23	at	at	ADP
framr-1733	299	24	the	the	DET
framr-1733	299	25	bottom	bottom	NOUN
framr-1733	299	26	of	of	ADP
framr-1733	299	27	the	the	DET
framr-1733	299	28	list	list	NOUN
framr-1733	299	29	.	.	PUNCT
framr-1733	300	1	financial	financial	ADJ
framr-1733	300	2	risk	risk	NOUN
framr-1733	300	3	and	and	CCONJ
framr-1733	300	4	management	management	NOUN
framr-1733	300	5	reviews	review	NOUN
framr-1733	300	6	,	,	PUNCT
framr-1733	300	7	2019	2019	NUM
framr-1733	300	8	,	,	PUNCT
framr-1733	300	9	5(1	5(1	NUM
framr-1733	300	10	):	):	PUNCT
framr-1733	300	11	55	55	NUM
framr-1733	300	12	-	-	SYM
framr-1733	300	13	69	69	NUM
framr-1733	300	14	66	66	NUM
framr-1733	300	15	©	©	PROPN
framr-1733	300	16	2019	2019	NUM
framr-1733	300	17	conscientia	conscientia	PROPN
framr-1733	300	18	beam	beam	PROPN
framr-1733	300	19	.	.	PUNCT
framr-1733	301	1	all	all	DET
framr-1733	301	2	rights	right	NOUN
framr-1733	301	3	reserved	reserve	VERB
framr-1733	301	4	.	.	PUNCT
framr-1733	302	1	market	market	NOUN
framr-1733	302	2	sensitivity	sensitivity	NOUN
framr-1733	302	3	is	be	AUX
framr-1733	302	4	another	another	DET
framr-1733	302	5	set	set	NOUN
framr-1733	302	6	of	of	ADP
framr-1733	302	7	ratios	ratio	NOUN
framr-1733	302	8	that	that	PRON
framr-1733	302	9	is	be	AUX
framr-1733	302	10	used	use	VERB
framr-1733	302	11	in	in	ADP
framr-1733	302	12	camels	camel	NOUN
framr-1733	302	13	analysis	analysis	NOUN
framr-1733	302	14	,	,	PUNCT
framr-1733	302	15	it	it	PRON
framr-1733	302	16	was	be	AUX
framr-1733	302	17	added	add	VERB
framr-1733	302	18	to	to	ADP
framr-1733	302	19	the	the	DET
framr-1733	302	20	framework	framework	NOUN
framr-1733	302	21	back	back	ADV
framr-1733	302	22	in	in	ADP
framr-1733	302	23	1996	1996	NUM
framr-1733	302	24	to	to	PART
framr-1733	302	25	measure	measure	VERB
framr-1733	302	26	the	the	DET
framr-1733	302	27	effect	effect	NOUN
framr-1733	302	28	of	of	ADP
framr-1733	302	29	changing	change	VERB
framr-1733	302	30	market	market	NOUN
framr-1733	302	31	conditions	condition	NOUN
framr-1733	302	32	on	on	ADP
framr-1733	302	33	the	the	DET
framr-1733	302	34	bank	bank	NOUN
framr-1733	302	35	’s	’s	PART
framr-1733	302	36	performance	performance	NOUN
framr-1733	302	37	.	.	PUNCT
framr-1733	303	1	banks	bank	NOUN
framr-1733	303	2	tend	tend	VERB
framr-1733	303	3	to	to	PART
framr-1733	303	4	be	be	AUX
framr-1733	303	5	active	active	ADJ
framr-1733	303	6	in	in	ADP
framr-1733	303	7	the	the	DET
framr-1733	303	8	financial	financial	ADJ
framr-1733	303	9	markets	market	NOUN
framr-1733	303	10	most	most	ADJ
framr-1733	303	11	of	of	ADP
framr-1733	303	12	the	the	DET
framr-1733	303	13	time	time	NOUN
framr-1733	303	14	which	which	PRON
framr-1733	303	15	makes	make	VERB
framr-1733	303	16	them	they	PRON
framr-1733	303	17	exposed	expose	VERB
framr-1733	303	18	to	to	ADP
framr-1733	303	19	changes	change	NOUN
framr-1733	303	20	in	in	ADP
framr-1733	303	21	the	the	DET
framr-1733	303	22	securities	security	NOUN
framr-1733	303	23	markets	market	NOUN
framr-1733	303	24	.	.	PUNCT
framr-1733	304	1	such	such	ADJ
framr-1733	304	2	exposure	exposure	NOUN
framr-1733	304	3	would	would	AUX
framr-1733	304	4	affect	affect	VERB
framr-1733	304	5	the	the	DET
framr-1733	304	6	profitability	profitability	NOUN
framr-1733	304	7	of	of	ADP
framr-1733	304	8	the	the	DET
framr-1733	304	9	bank	bank	NOUN
framr-1733	304	10	.	.	PUNCT
framr-1733	305	1	one	one	NUM
framr-1733	305	2	of	of	ADP
framr-1733	305	3	the	the	DET
framr-1733	305	4	ratios	ratio	NOUN
framr-1733	305	5	that	that	PRON
framr-1733	305	6	is	be	AUX
framr-1733	305	7	used	use	VERB
framr-1733	305	8	is	be	AUX
framr-1733	305	9	the	the	DET
framr-1733	305	10	total	total	ADJ
framr-1733	305	11	securities	security	NOUN
framr-1733	305	12	the	the	DET
framr-1733	305	13	bank	bank	NOUN
framr-1733	305	14	holds	hold	VERB
framr-1733	305	15	to	to	ADP
framr-1733	305	16	the	the	DET
framr-1733	305	17	bank	bank	NOUN
framr-1733	305	18	’s	’s	PART
framr-1733	305	19	total	total	ADJ
framr-1733	305	20	assets	asset	NOUN
framr-1733	305	21	,	,	PUNCT
framr-1733	305	22	the	the	PRON
framr-1733	305	23	higher	high	ADJ
framr-1733	305	24	the	the	DET
framr-1733	305	25	ratio	ratio	NOUN
framr-1733	305	26	would	would	AUX
framr-1733	305	27	indicate	indicate	VERB
framr-1733	305	28	that	that	SCONJ
framr-1733	305	29	the	the	DET
framr-1733	305	30	bank	bank	NOUN
framr-1733	305	31	is	be	AUX
framr-1733	305	32	active	active	ADJ
framr-1733	305	33	in	in	ADP
framr-1733	305	34	the	the	DET
framr-1733	305	35	securities	security	NOUN
framr-1733	305	36	market	market	NOUN
framr-1733	305	37	which	which	PRON
framr-1733	305	38	makes	make	VERB
framr-1733	305	39	the	the	DET
framr-1733	305	40	bank	bank	NOUN
framr-1733	305	41	more	more	ADV
framr-1733	305	42	vulnerable	vulnerable	ADJ
framr-1733	305	43	to	to	ADP
framr-1733	305	44	securities	security	NOUN
framr-1733	305	45	price	price	NOUN
framr-1733	305	46	movements	movement	NOUN
framr-1733	305	47	.	.	PUNCT
framr-1733	306	1	having	have	VERB
framr-1733	306	2	a	a	DET
framr-1733	306	3	low	low	ADJ
framr-1733	306	4	ratio	ratio	NOUN
framr-1733	306	5	would	would	AUX
framr-1733	306	6	mean	mean	VERB
framr-1733	306	7	that	that	SCONJ
framr-1733	306	8	the	the	DET
framr-1733	306	9	bank	bank	NOUN
framr-1733	306	10	would	would	AUX
framr-1733	306	11	be	be	AUX
framr-1733	306	12	less	less	ADV
framr-1733	306	13	affected	affect	VERB
framr-1733	306	14	by	by	ADP
framr-1733	306	15	changes	change	NOUN
framr-1733	306	16	in	in	ADP
framr-1733	306	17	the	the	DET
framr-1733	306	18	securities	security	NOUN
framr-1733	306	19	prices	price	NOUN
framr-1733	306	20	.	.	PUNCT
framr-1733	307	1	for	for	ADP
framr-1733	307	2	that	that	DET
framr-1733	307	3	matter	matter	NOUN
framr-1733	307	4	it	it	PRON
framr-1733	307	5	can	can	AUX
framr-1733	307	6	be	be	AUX
framr-1733	307	7	seen	see	VERB
framr-1733	307	8	from	from	ADP
framr-1733	307	9	table	table	NOUN
framr-1733	307	10	14	14	NUM
framr-1733	307	11	that	that	PRON
framr-1733	307	12	buk	buk	PROPN
framr-1733	307	13	has	have	VERB
framr-1733	307	14	the	the	DET
framr-1733	307	15	lowest	low	ADJ
framr-1733	307	16	exposure	exposure	NOUN
framr-1733	307	17	to	to	ADP
framr-1733	307	18	the	the	DET
framr-1733	307	19	securities	security	NOUN
framr-1733	307	20	markets	market	NOUN
framr-1733	307	21	compared	compare	VERB
framr-1733	307	22	to	to	ADP
framr-1733	307	23	the	the	DET
framr-1733	307	24	other	other	ADJ
framr-1733	307	25	kuwaiti	kuwaiti	PROPN
framr-1733	307	26	banks	bank	NOUN
framr-1733	307	27	.	.	PUNCT
framr-1733	308	1	while	while	SCONJ
framr-1733	308	2	abk	abk	NOUN
framr-1733	308	3	has	have	VERB
framr-1733	308	4	the	the	DET
framr-1733	308	5	highest	high	ADJ
framr-1733	308	6	exposure	exposure	NOUN
framr-1733	308	7	where	where	SCONJ
framr-1733	308	8	their	their	PRON
framr-1733	308	9	investments	investment	NOUN
framr-1733	308	10	in	in	ADP
framr-1733	308	11	securities	security	NOUN
framr-1733	308	12	amounts	amount	NOUN
framr-1733	308	13	to	to	ADP
framr-1733	308	14	23.17	23.17	NUM
framr-1733	308	15	%	%	NOUN
framr-1733	308	16	of	of	ADP
framr-1733	308	17	their	their	PRON
framr-1733	308	18	total	total	ADJ
framr-1733	308	19	assets	asset	NOUN
framr-1733	308	20	.	.	PUNCT
framr-1733	309	1	on	on	ADP
framr-1733	309	2	an	an	DET
framr-1733	309	3	average	average	NOUN
framr-1733	309	4	the	the	DET
framr-1733	309	5	kuwaiti	kuwaiti	PROPN
framr-1733	309	6	banks	bank	NOUN
framr-1733	309	7	hold	hold	VERB
framr-1733	309	8	18.08	18.08	NUM
framr-1733	309	9	%	%	NOUN
framr-1733	309	10	of	of	ADP
framr-1733	309	11	their	their	PRON
framr-1733	309	12	total	total	ADJ
framr-1733	309	13	assets	asset	NOUN
framr-1733	309	14	in	in	ADP
framr-1733	309	15	securities	security	NOUN
framr-1733	309	16	.	.	PUNCT
framr-1733	310	1	table-14	table-14	PROPN
framr-1733	310	2	.	.	PROPN
framr-1733	310	3	market	market	NOUN
framr-1733	310	4	sensitivity	sensitivity	NOUN
framr-1733	310	5	ratios	ratio	NOUN
framr-1733	310	6	.	.	PUNCT
framr-1733	311	1	market	market	NOUN
framr-1733	311	2	sensitivity	sensitivity	NOUN
framr-1733	311	3	ratios	ratio	NOUN
framr-1733	311	4	bank	bank	PROPN
framr-1733	311	5	total	total	ADJ
framr-1733	311	6	securities	security	NOUN
framr-1733	311	7	to	to	ADP
framr-1733	311	8	total	total	ADJ
framr-1733	311	9	assets	asset	NOUN
framr-1733	311	10	sensitivity	sensitivity	NOUN
framr-1733	311	11	gap	gap	NOUN
framr-1733	311	12	fx	fx	PROPN
framr-1733	311	13	effect	effect	NOUN
framr-1733	311	14	stock	stock	NOUN
framr-1733	311	15	market	market	NOUN
framr-1733	311	16	effect	effect	NOUN
framr-1733	311	17	group	group	NOUN
framr-1733	311	18	rank	rank	NOUN
framr-1733	311	19	%	%	PROPN
framr-1733	311	20	rank	rank	PROPN
framr-1733	311	21	ratio	ratio	PROPN
framr-1733	311	22	rank	rank	PROPN
framr-1733	311	23	%	%	PROPN
framr-1733	311	24	rank	rank	PROPN
framr-1733	311	25	%	%	NOUN
framr-1733	312	1	rank	rank	NOUN
framr-1733	312	2	mean	mean	PROPN
framr-1733	312	3	rank	rank	PROPN
framr-1733	312	4	cbk	cbk	PROPN
framr-1733	312	5	19.43	19.43	NUM
framr-1733	312	6	5	5	NUM
framr-1733	312	7	0.91	0.91	NUM
framr-1733	312	8	5	5	NUM
framr-1733	312	9	270.43	270.43	NUM
framr-1733	312	10	9	9	NUM
framr-1733	312	11	281.05	281.05	NUM
framr-1733	312	12	9	9	NUM
framr-1733	312	13	7.00	7.00	NUM
framr-1733	312	14	9	9	NUM
framr-1733	312	15	nbk	nbk	PROPN
framr-1733	312	16	18.61	18.61	NUM
framr-1733	312	17	4	4	NUM
framr-1733	312	18	0.91	0.91	NUM
framr-1733	312	19	5	5	NUM
framr-1733	312	20	5.54	5.54	NUM
framr-1733	312	21	5	5	NUM
framr-1733	312	22	0.57	0.57	NUM
framr-1733	312	23	1	1	NUM
framr-1733	312	24	3.75	3.75	NUM
framr-1733	312	25	3	3	NUM
framr-1733	312	26	gbk	gbk	PROPN
framr-1733	312	27	20.69	20.69	NUM
framr-1733	312	28	7	7	NUM
framr-1733	312	29	1.01	1.01	NUM
framr-1733	312	30	1	1	NUM
framr-1733	312	31	2.99	2.99	NUM
framr-1733	312	32	4	4	NUM
framr-1733	312	33	3.33	3.33	NUM
framr-1733	312	34	5	5	NUM
framr-1733	312	35	4.25	4.25	NUM
framr-1733	312	36	4	4	NUM
framr-1733	312	37	abk	abk	NOUN
framr-1733	312	38	23.17	23.17	NUM
framr-1733	312	39	9	9	NUM
framr-1733	312	40	1.12	1.12	NUM
framr-1733	312	41	8	8	NUM
framr-1733	312	42	0.24	0.24	NUM
framr-1733	312	43	1	1	NUM
framr-1733	312	44	3.07	3.07	NUM
framr-1733	312	45	4	4	NUM
framr-1733	312	46	5.50	5.50	NUM
framr-1733	312	47	5	5	NUM
framr-1733	312	48	bbk	bbk	PROPN
framr-1733	312	49	14.31	14.31	NUM
framr-1733	312	50	3	3	NUM
framr-1733	312	51	0.84	0.84	NUM
framr-1733	312	52	9	9	NUM
framr-1733	312	53	36.62	36.62	NUM
framr-1733	312	54	8	8	NUM
framr-1733	312	55	3.78	3.78	NUM
framr-1733	312	56	6	6	NUM
framr-1733	312	57	6.50	6.50	NUM
framr-1733	312	58	7	7	NUM
framr-1733	312	59	kfh	kfh	ADP
framr-1733	312	60	20.16	20.16	NUM
framr-1733	312	61	6	6	NUM
framr-1733	312	62	0.93	0.93	NUM
framr-1733	312	63	3	3	NUM
framr-1733	312	64	32.02	32.02	NUM
framr-1733	312	65	7	7	NUM
framr-1733	312	66	9.30	9.30	NUM
framr-1733	312	67	7	7	NUM
framr-1733	312	68	5.75	5.75	NUM
framr-1733	312	69	6	6	NUM
framr-1733	312	70	buk	buk	NOUN
framr-1733	312	71	9.36	9.36	NUM
framr-1733	312	72	1	1	NUM
framr-1733	312	73	0.92	0.92	NUM
framr-1733	312	74	4	4	NUM
framr-1733	312	75	11.44	11.44	NUM
framr-1733	312	76	6	6	NUM
framr-1733	312	77	2.93	2.93	NUM
framr-1733	312	78	3	3	NUM
framr-1733	312	79	3.50	3.50	NUM
framr-1733	312	80	2	2	NUM
framr-1733	312	81	kib	kib	NOUN
framr-1733	312	82	22.91	22.91	NUM
framr-1733	312	83	8	8	NUM
framr-1733	312	84	1.10	1.10	NUM
framr-1733	312	85	7	7	NUM
framr-1733	312	86	1.22	1.22	NUM
framr-1733	312	87	3	3	NUM
framr-1733	312	88	11.54	11.54	NUM
framr-1733	312	89	8	8	NUM
framr-1733	312	90	6.50	6.50	NUM
framr-1733	312	91	7	7	NUM
framr-1733	312	92	aub	aub	NOUN
framr-1733	312	93	14.08	14.08	NUM
framr-1733	312	94	2	2	NUM
framr-1733	312	95	0.94	0.94	NUM
framr-1733	312	96	2	2	NUM
framr-1733	312	97	1.02	1.02	NUM
framr-1733	312	98	2	2	NUM
framr-1733	312	99	1.63	1.63	NUM
framr-1733	312	100	2	2	NUM
framr-1733	312	101	2.00	2.00	NUM
framr-1733	312	102	1	1	NUM
framr-1733	312	103	mean	mean	NOUN
framr-1733	312	104	18.08	18.08	NUM
framr-1733	312	105	0.96	0.96	NUM
framr-1733	312	106	40.17	40.17	NUM
framr-1733	312	107	35.24	35.24	NUM
framr-1733	312	108	sensitivity	sensitivity	NOUN
framr-1733	312	109	gap	gap	NOUN
framr-1733	312	110	ratio	ratio	NOUN
framr-1733	312	111	is	be	AUX
framr-1733	312	112	another	another	DET
framr-1733	312	113	ratio	ratio	NOUN
framr-1733	312	114	that	that	PRON
framr-1733	312	115	is	be	AUX
framr-1733	312	116	used	use	VERB
framr-1733	312	117	,	,	PUNCT
framr-1733	312	118	it	it	PRON
framr-1733	312	119	measures	measure	VERB
framr-1733	312	120	the	the	DET
framr-1733	312	121	effect	effect	NOUN
framr-1733	312	122	of	of	ADP
framr-1733	312	123	changes	change	NOUN
framr-1733	312	124	in	in	ADP
framr-1733	312	125	interest	interest	NOUN
framr-1733	312	126	rate	rate	NOUN
framr-1733	312	127	on	on	ADP
framr-1733	312	128	the	the	DET
framr-1733	312	129	bank	bank	NOUN
framr-1733	312	130	,	,	PUNCT
framr-1733	312	131	the	the	DET
framr-1733	312	132	ratio	ratio	NOUN
framr-1733	312	133	is	be	AUX
framr-1733	312	134	measured	measure	VERB
framr-1733	312	135	as	as	ADP
framr-1733	312	136	risk	risk	NOUN
framr-1733	312	137	sensitive	sensitive	ADJ
framr-1733	312	138	assets	asset	NOUN
framr-1733	312	139	divided	divide	VERB
framr-1733	312	140	by	by	ADP
framr-1733	312	141	the	the	DET
framr-1733	312	142	risk	risk	NOUN
framr-1733	312	143	sensitive	sensitive	ADJ
framr-1733	312	144	liabilities	liability	NOUN
framr-1733	312	145	.	.	PUNCT
framr-1733	313	1	in	in	ADP
framr-1733	313	2	this	this	DET
framr-1733	313	3	ratio	ratio	NOUN
framr-1733	313	4	the	the	DET
framr-1733	313	5	banks	bank	NOUN
framr-1733	313	6	should	should	AUX
framr-1733	313	7	try	try	VERB
framr-1733	313	8	to	to	PART
framr-1733	313	9	obtain	obtain	VERB
framr-1733	313	10	a	a	DET
framr-1733	313	11	ratio	ratio	NOUN
framr-1733	313	12	of	of	ADP
framr-1733	313	13	1	1	NUM
framr-1733	313	14	in	in	ADP
framr-1733	313	15	order	order	NOUN
framr-1733	313	16	to	to	PART
framr-1733	313	17	neutralize	neutralize	VERB
framr-1733	313	18	the	the	DET
framr-1733	313	19	interest	interest	NOUN
framr-1733	313	20	rate	rate	NOUN
framr-1733	313	21	effect	effect	NOUN
framr-1733	313	22	.	.	PUNCT
framr-1733	314	1	when	when	SCONJ
framr-1733	314	2	a	a	DET
framr-1733	314	3	bank	bank	NOUN
framr-1733	314	4	have	have	VERB
framr-1733	314	5	a	a	DET
framr-1733	314	6	ratio	ratio	NOUN
framr-1733	314	7	of	of	ADP
framr-1733	314	8	above	above	ADP
framr-1733	314	9	1	1	NUM
framr-1733	314	10	this	this	PRON
framr-1733	314	11	would	would	AUX
framr-1733	314	12	mean	mean	VERB
framr-1733	314	13	that	that	SCONJ
framr-1733	314	14	the	the	DET
framr-1733	314	15	bank	bank	NOUN
framr-1733	314	16	is	be	AUX
framr-1733	314	17	more	more	ADV
framr-1733	314	18	exposed	expose	VERB
framr-1733	314	19	to	to	ADP
framr-1733	314	20	higher	high	ADJ
framr-1733	314	21	interest	interest	NOUN
framr-1733	314	22	rates	rate	NOUN
framr-1733	314	23	risk	risk	VERB
framr-1733	314	24	.	.	PUNCT
framr-1733	315	1	the	the	DET
framr-1733	315	2	ranks	rank	NOUN
framr-1733	315	3	here	here	ADV
framr-1733	315	4	were	be	AUX
framr-1733	315	5	assigned	assign	VERB
framr-1733	315	6	based	base	VERB
framr-1733	315	7	on	on	ADP
framr-1733	315	8	the	the	DET
framr-1733	315	9	nearest	near	ADJ
framr-1733	315	10	to	to	ADP
framr-1733	315	11	1	1	NUM
framr-1733	315	12	.	.	PUNCT
framr-1733	316	1	for	for	ADP
framr-1733	316	2	that	that	DET
framr-1733	316	3	gbk	gbk	PROPN
framr-1733	316	4	was	be	AUX
framr-1733	316	5	the	the	DET
framr-1733	316	6	closest	close	ADJ
framr-1733	316	7	followed	follow	VERB
framr-1733	316	8	by	by	ADP
framr-1733	316	9	aub	aub	NOUN
framr-1733	316	10	,	,	PUNCT
framr-1733	316	11	while	while	SCONJ
framr-1733	316	12	bbk	bbk	PROPN
framr-1733	316	13	was	be	AUX
framr-1733	316	14	the	the	DET
framr-1733	316	15	furthest	furth	ADJ
framr-1733	316	16	with	with	ADP
framr-1733	316	17	a	a	DET
framr-1733	316	18	ratio	ratio	NOUN
framr-1733	316	19	of	of	ADP
framr-1733	316	20	0.84	0.84	NUM
framr-1733	316	21	this	this	PRON
framr-1733	316	22	would	would	AUX
framr-1733	316	23	indicate	indicate	VERB
framr-1733	316	24	that	that	SCONJ
framr-1733	316	25	bbk	bbk	PROPN
framr-1733	316	26	is	be	AUX
framr-1733	316	27	more	more	ADV
framr-1733	316	28	vulnerable	vulnerable	ADJ
framr-1733	316	29	to	to	ADP
framr-1733	316	30	interest	interest	NOUN
framr-1733	316	31	rate	rate	NOUN
framr-1733	316	32	movements	movement	NOUN
framr-1733	316	33	.	.	PUNCT
framr-1733	317	1	on	on	ADP
framr-1733	317	2	an	an	DET
framr-1733	317	3	average	average	NOUN
framr-1733	317	4	,	,	PUNCT
framr-1733	317	5	kuwaiti	kuwaiti	PROPN
framr-1733	317	6	banks	bank	NOUN
framr-1733	317	7	tend	tend	VERB
framr-1733	317	8	to	to	PART
framr-1733	317	9	hold	hold	VERB
framr-1733	317	10	more	more	ADJ
framr-1733	317	11	interest	interest	NOUN
framr-1733	317	12	rate	rate	NOUN
framr-1733	317	13	sensitive	sensitive	ADJ
framr-1733	317	14	liabilities	liability	NOUN
framr-1733	317	15	than	than	ADP
framr-1733	317	16	interest	interest	NOUN
framr-1733	317	17	rate	rate	NOUN
framr-1733	317	18	sensitive	sensitive	ADJ
framr-1733	317	19	asset	asset	NOUN
framr-1733	317	20	where	where	SCONJ
framr-1733	317	21	the	the	DET
framr-1733	317	22	sensitive	sensitive	ADJ
framr-1733	317	23	assets	asset	NOUN
framr-1733	317	24	represents	represent	VERB
framr-1733	317	25	0.96	0.96	NUM
framr-1733	317	26	of	of	ADP
framr-1733	317	27	the	the	DET
framr-1733	317	28	sensitive	sensitive	ADJ
framr-1733	317	29	liabilities	liability	NOUN
framr-1733	317	30	.	.	PUNCT
framr-1733	318	1	with	with	ADP
framr-1733	318	2	globalization	globalization	NOUN
framr-1733	318	3	,	,	PUNCT
framr-1733	318	4	banks	bank	NOUN
framr-1733	318	5	and	and	CCONJ
framr-1733	318	6	bank	bank	NOUN
framr-1733	318	7	’s	’s	PART
framr-1733	318	8	customers	customer	NOUN
framr-1733	318	9	tends	tend	VERB
framr-1733	318	10	to	to	PART
framr-1733	318	11	do	do	VERB
framr-1733	318	12	business	business	NOUN
framr-1733	318	13	in	in	ADP
framr-1733	318	14	other	other	ADJ
framr-1733	318	15	countries	country	NOUN
framr-1733	318	16	and	and	CCONJ
framr-1733	318	17	other	other	ADJ
framr-1733	318	18	currencies	currency	NOUN
framr-1733	318	19	.	.	PUNCT
framr-1733	319	1	many	many	ADJ
framr-1733	319	2	banks	bank	NOUN
framr-1733	319	3	tend	tend	VERB
framr-1733	319	4	to	to	PART
framr-1733	319	5	hold	hold	VERB
framr-1733	319	6	assets	asset	NOUN
framr-1733	319	7	that	that	PRON
framr-1733	319	8	are	be	AUX
framr-1733	319	9	denominated	denominate	VERB
framr-1733	319	10	in	in	ADP
framr-1733	319	11	foreign	foreign	ADJ
framr-1733	319	12	currencies	currency	NOUN
framr-1733	319	13	and	and	CCONJ
framr-1733	319	14	as	as	ADP
framr-1733	319	15	a	a	DET
framr-1733	319	16	result	result	NOUN
framr-1733	319	17	the	the	DET
framr-1733	319	18	bank	bank	NOUN
framr-1733	319	19	is	be	AUX
framr-1733	319	20	exposed	expose	VERB
framr-1733	319	21	to	to	ADP
framr-1733	319	22	foreign	foreign	ADJ
framr-1733	319	23	exchange	exchange	NOUN
framr-1733	319	24	risk	risk	NOUN
framr-1733	319	25	.	.	PUNCT
framr-1733	320	1	the	the	DET
framr-1733	320	2	foreign	foreign	ADJ
framr-1733	320	3	exchange	exchange	NOUN
framr-1733	320	4	effect	effect	NOUN
framr-1733	320	5	measures	measure	VERB
framr-1733	320	6	the	the	DET
framr-1733	320	7	effect	effect	NOUN
framr-1733	320	8	of	of	ADP
framr-1733	320	9	5	5	NUM
framr-1733	320	10	%	%	NOUN
framr-1733	320	11	change	change	NOUN
framr-1733	320	12	in	in	ADP
framr-1733	320	13	the	the	DET
framr-1733	320	14	exchange	exchange	NOUN
framr-1733	320	15	rate	rate	NOUN
framr-1733	320	16	of	of	ADP
framr-1733	320	17	the	the	DET
framr-1733	320	18	currencies	currency	NOUN
framr-1733	320	19	that	that	PRON
framr-1733	320	20	the	the	DET
framr-1733	320	21	bank	bank	NOUN
framr-1733	320	22	hold	hold	VERB
framr-1733	320	23	assets	asset	NOUN
framr-1733	320	24	in	in	ADP
framr-1733	320	25	to	to	ADP
framr-1733	320	26	the	the	DET
framr-1733	320	27	net	net	ADJ
framr-1733	320	28	profit	profit	NOUN
framr-1733	320	29	of	of	ADP
framr-1733	320	30	the	the	DET
framr-1733	320	31	bank	bank	NOUN
framr-1733	320	32	.	.	PUNCT
framr-1733	321	1	cbk	cbk	PROPN
framr-1733	321	2	was	be	AUX
framr-1733	321	3	the	the	DET
framr-1733	321	4	most	most	ADV
framr-1733	321	5	exposed	expose	VERB
framr-1733	321	6	bank	bank	NOUN
framr-1733	321	7	in	in	ADP
framr-1733	321	8	kuwait	kuwait	PROPN
framr-1733	321	9	,	,	PUNCT
framr-1733	321	10	where	where	SCONJ
framr-1733	321	11	a	a	DET
framr-1733	321	12	5	5	NUM
framr-1733	321	13	%	%	NOUN
framr-1733	321	14	change	change	NOUN
framr-1733	321	15	in	in	ADP
framr-1733	321	16	the	the	DET
framr-1733	321	17	exchange	exchange	NOUN
framr-1733	321	18	rate	rate	NOUN
framr-1733	321	19	would	would	AUX
framr-1733	321	20	result	result	VERB
framr-1733	321	21	in	in	ADP
framr-1733	321	22	a	a	DET
framr-1733	321	23	loss	loss	NOUN
framr-1733	321	24	that	that	PRON
framr-1733	321	25	is	be	AUX
framr-1733	321	26	270.43	270.43	NUM
framr-1733	321	27	%	%	NOUN
framr-1733	321	28	of	of	ADP
framr-1733	321	29	the	the	DET
framr-1733	321	30	bank	bank	NOUN
framr-1733	321	31	’s	’s	PART
framr-1733	321	32	profit	profit	NOUN
framr-1733	321	33	.	.	PUNCT
framr-1733	322	1	this	this	PRON
framr-1733	322	2	would	would	AUX
framr-1733	322	3	indicate	indicate	VERB
framr-1733	322	4	that	that	SCONJ
framr-1733	322	5	cbk	cbk	PROPN
framr-1733	322	6	holds	hold	VERB
framr-1733	322	7	a	a	DET
framr-1733	322	8	huge	huge	ADJ
framr-1733	322	9	foreign	foreign	ADJ
framr-1733	322	10	currencies	currency	NOUN
framr-1733	322	11	denominated	denominate	VERB
framr-1733	322	12	assets	asset	NOUN
framr-1733	322	13	.	.	PUNCT
framr-1733	323	1	on	on	ADP
framr-1733	323	2	the	the	DET
framr-1733	323	3	other	other	ADJ
framr-1733	323	4	hand	hand	NOUN
framr-1733	323	5	abk	abk	PROPN
framr-1733	323	6	was	be	AUX
framr-1733	323	7	the	the	DET
framr-1733	323	8	least	least	ADJ
framr-1733	323	9	bank	bank	NOUN
framr-1733	323	10	in	in	ADP
framr-1733	323	11	kuwait	kuwait	PROPN
framr-1733	323	12	that	that	PRON
framr-1733	323	13	would	would	AUX
framr-1733	323	14	be	be	AUX
framr-1733	323	15	effected	effect	VERB
framr-1733	323	16	by	by	ADP
framr-1733	323	17	foreign	foreign	ADJ
framr-1733	323	18	exchange	exchange	NOUN
framr-1733	323	19	movements	movement	NOUN
framr-1733	323	20	.	.	PUNCT
framr-1733	324	1	by	by	ADP
framr-1733	324	2	looking	look	VERB
framr-1733	324	3	at	at	ADP
framr-1733	324	4	the	the	DET
framr-1733	324	5	average	average	NOUN
framr-1733	324	6	for	for	ADP
framr-1733	324	7	the	the	DET
framr-1733	324	8	kuwaiti	kuwaiti	PROPN
framr-1733	324	9	banks	banks	PROPN
framr-1733	324	10	,	,	PUNCT
framr-1733	324	11	an	an	DET
framr-1733	324	12	unfavorable	unfavorable	ADJ
framr-1733	324	13	5	5	NUM
framr-1733	324	14	%	%	NOUN
framr-1733	324	15	move	move	NOUN
framr-1733	324	16	in	in	ADP
framr-1733	324	17	exchange	exchange	NOUN
framr-1733	324	18	rates	rate	NOUN
framr-1733	324	19	would	would	AUX
framr-1733	324	20	result	result	VERB
framr-1733	324	21	in	in	ADP
framr-1733	324	22	40.17	40.17	NUM
framr-1733	324	23	%	%	NOUN
framr-1733	324	24	reduction	reduction	NOUN
framr-1733	324	25	on	on	ADP
framr-1733	324	26	their	their	PRON
framr-1733	324	27	net	net	ADJ
framr-1733	324	28	profits	profit	NOUN
framr-1733	324	29	.	.	PUNCT
framr-1733	325	1	the	the	DET
framr-1733	325	2	market	market	NOUN
framr-1733	325	3	risk	risk	NOUN
framr-1733	325	4	is	be	AUX
framr-1733	325	5	basically	basically	ADV
framr-1733	325	6	when	when	SCONJ
framr-1733	325	7	a	a	DET
framr-1733	325	8	bank	bank	NOUN
framr-1733	325	9	holds	hold	VERB
framr-1733	325	10	listed	list	VERB
framr-1733	325	11	securities	security	NOUN
framr-1733	325	12	in	in	ADP
framr-1733	325	13	the	the	DET
framr-1733	325	14	stock	stock	NOUN
framr-1733	325	15	market	market	NOUN
framr-1733	325	16	,	,	PUNCT
framr-1733	325	17	then	then	ADV
framr-1733	325	18	any	any	DET
framr-1733	325	19	move	move	NOUN
framr-1733	325	20	in	in	ADP
framr-1733	325	21	the	the	DET
framr-1733	325	22	stock	stock	NOUN
framr-1733	325	23	market	market	NOUN
framr-1733	325	24	would	would	AUX
framr-1733	325	25	have	have	VERB
framr-1733	325	26	an	an	DET
framr-1733	325	27	effect	effect	NOUN
framr-1733	325	28	on	on	ADP
framr-1733	325	29	the	the	DET
framr-1733	325	30	bank	bank	NOUN
framr-1733	325	31	’s	’s	PART
framr-1733	325	32	profits	profit	NOUN
framr-1733	325	33	.	.	PUNCT
framr-1733	326	1	measuring	measure	VERB
framr-1733	326	2	that	that	DET
framr-1733	326	3	effect	effect	NOUN
framr-1733	326	4	is	be	AUX
framr-1733	326	5	shown	show	VERB
framr-1733	326	6	in	in	ADP
framr-1733	326	7	the	the	DET
framr-1733	326	8	stock	stock	NOUN
framr-1733	326	9	market	market	NOUN
framr-1733	326	10	effect	effect	NOUN
framr-1733	326	11	ratio	ratio	NOUN
framr-1733	326	12	where	where	SCONJ
framr-1733	326	13	it	it	PRON
framr-1733	326	14	measures	measure	VERB
framr-1733	326	15	the	the	DET
framr-1733	326	16	effect	effect	NOUN
framr-1733	326	17	of	of	ADP
framr-1733	326	18	5	5	NUM
framr-1733	326	19	%	%	NOUN
framr-1733	326	20	movements	movement	NOUN
framr-1733	326	21	in	in	ADP
framr-1733	326	22	stock	stock	NOUN
framr-1733	326	23	market	market	NOUN
framr-1733	326	24	on	on	ADP
framr-1733	326	25	the	the	DET
framr-1733	326	26	bank	bank	NOUN
framr-1733	326	27	’s	’s	PART
framr-1733	326	28	net	net	ADJ
framr-1733	326	29	profit	profit	NOUN
framr-1733	326	30	.	.	PUNCT
framr-1733	327	1	again	again	ADV
framr-1733	327	2	cbk	cbk	PROPN
framr-1733	327	3	was	be	AUX
framr-1733	327	4	the	the	DET
framr-1733	327	5	most	most	ADV
framr-1733	327	6	exposed	expose	VERB
framr-1733	327	7	bank	bank	NOUN
framr-1733	327	8	in	in	ADP
framr-1733	327	9	kuwait	kuwait	PROPN
framr-1733	327	10	when	when	SCONJ
framr-1733	327	11	it	it	PRON
framr-1733	327	12	comes	come	VERB
framr-1733	327	13	to	to	ADP
framr-1733	327	14	stock	stock	NOUN
framr-1733	327	15	market	market	NOUN
framr-1733	327	16	risk	risk	NOUN
framr-1733	327	17	followed	follow	VERB
framr-1733	327	18	by	by	ADP
framr-1733	327	19	kib	kib	PROPN
framr-1733	327	20	.	.	PUNCT
framr-1733	328	1	nbk	nbk	PROPN
framr-1733	328	2	is	be	AUX
framr-1733	328	3	the	the	DET
framr-1733	328	4	least	least	ADJ
framr-1733	328	5	bank	bank	NOUN
framr-1733	328	6	in	in	ADP
framr-1733	328	7	kuwait	kuwait	PROPN
framr-1733	328	8	that	that	PRON
framr-1733	328	9	would	would	AUX
framr-1733	328	10	be	be	AUX
framr-1733	328	11	effected	effect	VERB
framr-1733	328	12	by	by	ADP
framr-1733	328	13	movements	movement	NOUN
framr-1733	328	14	in	in	ADP
framr-1733	328	15	the	the	DET
framr-1733	328	16	stock	stock	NOUN
framr-1733	328	17	markets	market	NOUN
framr-1733	328	18	followed	follow	VERB
framr-1733	328	19	by	by	ADP
framr-1733	328	20	aub	aub	PROPN
framr-1733	328	21	.	.	PUNCT
framr-1733	329	1	for	for	ADP
framr-1733	329	2	the	the	DET
framr-1733	329	3	whole	whole	NOUN
framr-1733	329	4	of	of	ADP
framr-1733	329	5	kuwaiti	kuwaiti	PROPN
framr-1733	329	6	banks	bank	NOUN
framr-1733	329	7	,	,	PUNCT
framr-1733	329	8	they	they	PRON
framr-1733	329	9	would	would	AUX
framr-1733	329	10	lose	lose	VERB
framr-1733	329	11	35.24	35.24	NUM
framr-1733	329	12	%	%	NOUN
framr-1733	329	13	of	of	ADP
framr-1733	329	14	their	their	PRON
framr-1733	329	15	net	net	ADJ
framr-1733	329	16	profit	profit	NOUN
framr-1733	329	17	if	if	SCONJ
framr-1733	329	18	the	the	DET
framr-1733	329	19	stock	stock	NOUN
framr-1733	329	20	market	market	NOUN
framr-1733	329	21	moves	move	VERB
framr-1733	329	22	5	5	NUM
framr-1733	329	23	%	%	NOUN
framr-1733	329	24	down	down	ADV
framr-1733	329	25	.	.	PUNCT
framr-1733	330	1	as	as	ADP
framr-1733	330	2	for	for	ADP
framr-1733	330	3	the	the	DET
framr-1733	330	4	aggregate	aggregate	ADJ
framr-1733	330	5	score	score	NOUN
framr-1733	330	6	for	for	ADP
framr-1733	330	7	the	the	DET
framr-1733	330	8	market	market	NOUN
framr-1733	330	9	sensitivity	sensitivity	NOUN
framr-1733	330	10	ratios	ratio	NOUN
framr-1733	330	11	,	,	PUNCT
framr-1733	330	12	aub	aub	NOUN
framr-1733	330	13	financial	financial	ADJ
framr-1733	330	14	risk	risk	NOUN
framr-1733	330	15	and	and	CCONJ
framr-1733	330	16	management	management	NOUN
framr-1733	330	17	reviews	review	NOUN
framr-1733	330	18	,	,	PUNCT
framr-1733	330	19	2019	2019	NUM
framr-1733	330	20	,	,	PUNCT
framr-1733	330	21	5(1	5(1	NUM
framr-1733	330	22	):	):	PUNCT
framr-1733	330	23	55	55	NUM
framr-1733	330	24	-	-	SYM
framr-1733	330	25	69	69	NUM
framr-1733	330	26	67	67	NUM
framr-1733	330	27	©	©	PROPN
framr-1733	330	28	2019	2019	NUM
framr-1733	330	29	conscientia	conscientia	PROPN
framr-1733	330	30	beam	beam	PROPN
framr-1733	330	31	.	.	PUNCT
framr-1733	331	1	all	all	DET
framr-1733	331	2	rights	right	NOUN
framr-1733	331	3	reserved	reserve	VERB
framr-1733	331	4	.	.	PUNCT
framr-1733	331	5	came	come	VERB
framr-1733	331	6	at	at	ADP
framr-1733	331	7	the	the	DET
framr-1733	331	8	top	top	NOUN
framr-1733	331	9	followed	follow	VERB
framr-1733	331	10	by	by	ADP
framr-1733	331	11	buk	buk	PROPN
framr-1733	331	12	,	,	PUNCT
framr-1733	331	13	while	while	SCONJ
framr-1733	331	14	on	on	ADP
framr-1733	331	15	the	the	DET
framr-1733	331	16	other	other	ADJ
framr-1733	331	17	side	side	NOUN
framr-1733	331	18	cbk	cbk	PROPN
framr-1733	331	19	was	be	AUX
framr-1733	331	20	at	at	ADP
framr-1733	331	21	the	the	DET
framr-1733	331	22	bottom	bottom	NOUN
framr-1733	331	23	of	of	ADP
framr-1733	331	24	the	the	DET
framr-1733	331	25	list	list	NOUN
framr-1733	331	26	followed	follow	VERB
framr-1733	331	27	by	by	ADP
framr-1733	331	28	both	both	DET
framr-1733	331	29	kib	kib	NOUN
framr-1733	331	30	and	and	CCONJ
framr-1733	331	31	bbk	bbk	INTJ
framr-1733	331	32	.	.	PUNCT
framr-1733	332	1	table-15	table-15	PROPN
framr-1733	332	2	.	.	PROPN
framr-1733	332	3	aggregate	aggregate	ADJ
framr-1733	332	4	score	score	NOUN
framr-1733	332	5	based	base	VERB
framr-1733	332	6	on	on	ADP
framr-1733	332	7	rank	rank	NOUN
framr-1733	332	8	scores	score	NOUN
framr-1733	332	9	.	.	PUNCT
framr-1733	333	1	bank	bank	PROPN
framr-1733	333	2	c	c	PROPN
framr-1733	333	3	a	a	DET
framr-1733	333	4	m	m	NOUN
framr-1733	333	5	e	e	NOUN
framr-1733	333	6	l	l	NOUN
framr-1733	333	7	s	s	PART
framr-1733	333	8	mean	mean	NOUN
framr-1733	333	9	rank	rank	NOUN
framr-1733	333	10	cbk	cbk	PROPN
framr-1733	333	11	3	3	NUM
framr-1733	333	12	3	3	NUM
framr-1733	333	13	8	8	NUM
framr-1733	333	14	9	9	NUM
framr-1733	333	15	3	3	NUM
framr-1733	333	16	9	9	NUM
framr-1733	333	17	5.83	5.83	NUM
framr-1733	333	18	7	7	NUM
framr-1733	333	19	nbk	nbk	PROPN
framr-1733	333	20	4	4	NUM
framr-1733	333	21	7	7	NUM
framr-1733	333	22	1	1	NUM
framr-1733	333	23	1	1	NUM
framr-1733	333	24	9	9	NUM
framr-1733	333	25	3	3	NUM
framr-1733	333	26	4.17	4.17	NUM
framr-1733	333	27	3	3	NUM
framr-1733	333	28	gbk	gbk	PROPN
framr-1733	333	29	7	7	NUM
framr-1733	333	30	8	8	NUM
framr-1733	333	31	6	6	NUM
framr-1733	333	32	8	8	NUM
framr-1733	333	33	2	2	NUM
framr-1733	333	34	4	4	NUM
framr-1733	333	35	5.83	5.83	NUM
framr-1733	333	36	7	7	NUM
framr-1733	333	37	abk	abk	NOUN
framr-1733	333	38	2	2	NUM
framr-1733	333	39	8	8	NUM
framr-1733	333	40	3	3	NUM
framr-1733	333	41	3	3	NUM
framr-1733	333	42	7	7	NUM
framr-1733	333	43	5	5	NUM
framr-1733	333	44	4.67	4.67	NUM
framr-1733	333	45	4	4	NUM
framr-1733	333	46	bbk	bbk	NOUN
framr-1733	333	47	8	8	NUM
framr-1733	333	48	5	5	NUM
framr-1733	333	49	4	4	NUM
framr-1733	333	50	4	4	NUM
framr-1733	333	51	4	4	NUM
framr-1733	333	52	7	7	NUM
framr-1733	333	53	5.33	5.33	NUM
framr-1733	333	54	6	6	NUM
framr-1733	333	55	kfh	kfh	VERB
framr-1733	333	56	9	9	NUM
framr-1733	333	57	5	5	NUM
framr-1733	333	58	9	9	NUM
framr-1733	333	59	7	7	NUM
framr-1733	333	60	4	4	NUM
framr-1733	333	61	6	6	NUM
framr-1733	333	62	6.67	6.67	NUM
framr-1733	333	63	9	9	NUM
framr-1733	333	64	buk	buk	NOUN
framr-1733	333	65	5	5	NUM
framr-1733	333	66	3	3	NUM
framr-1733	333	67	7	7	NUM
framr-1733	333	68	5	5	NUM
framr-1733	333	69	8	8	NUM
framr-1733	333	70	2	2	NUM
framr-1733	333	71	5.00	5.00	NUM
framr-1733	333	72	5	5	NUM
framr-1733	333	73	kib	kib	NOUN
framr-1733	333	74	1	1	NUM
framr-1733	333	75	1	1	NUM
framr-1733	333	76	5	5	NUM
framr-1733	333	77	6	6	NUM
framr-1733	333	78	1	1	NUM
framr-1733	333	79	7	7	NUM
framr-1733	333	80	3.50	3.50	NUM
framr-1733	333	81	2	2	NUM
framr-1733	333	82	aub	aub	NOUN
framr-1733	333	83	6	6	NUM
framr-1733	333	84	2	2	NUM
framr-1733	333	85	2	2	NUM
framr-1733	333	86	2	2	NUM
framr-1733	333	87	6	6	NUM
framr-1733	333	88	1	1	NUM
framr-1733	333	89	3.17	3.17	NUM
framr-1733	333	90	1	1	NUM
framr-1733	333	91	when	when	SCONJ
framr-1733	333	92	looking	look	VERB
framr-1733	333	93	at	at	ADP
framr-1733	333	94	the	the	DET
framr-1733	333	95	overall	overall	ADJ
framr-1733	333	96	score	score	NOUN
framr-1733	333	97	for	for	ADP
framr-1733	333	98	the	the	DET
framr-1733	333	99	banks	bank	NOUN
framr-1733	333	100	,	,	PUNCT
framr-1733	333	101	two	two	NUM
framr-1733	333	102	methods	method	NOUN
framr-1733	333	103	were	be	AUX
framr-1733	333	104	used	use	VERB
framr-1733	333	105	,	,	PUNCT
framr-1733	333	106	the	the	DET
framr-1733	333	107	first	first	ADJ
framr-1733	333	108	method	method	NOUN
framr-1733	333	109	calculated	calculate	VERB
framr-1733	333	110	the	the	DET
framr-1733	333	111	overall	overall	ADJ
framr-1733	333	112	score	score	NOUN
framr-1733	333	113	based	base	VERB
framr-1733	333	114	on	on	ADP
framr-1733	333	115	the	the	DET
framr-1733	333	116	bank	bank	NOUN
framr-1733	333	117	’s	’s	PART
framr-1733	333	118	rank	rank	NOUN
framr-1733	333	119	in	in	ADP
framr-1733	333	120	every	every	DET
framr-1733	333	121	group	group	NOUN
framr-1733	333	122	as	as	SCONJ
framr-1733	333	123	seen	see	VERB
framr-1733	333	124	in	in	ADP
framr-1733	333	125	table	table	NOUN
framr-1733	333	126	15	15	NUM
framr-1733	333	127	.	.	PUNCT
framr-1733	334	1	in	in	ADP
framr-1733	334	2	this	this	DET
framr-1733	334	3	method	method	NOUN
framr-1733	334	4	,	,	PUNCT
framr-1733	334	5	aub	aub	PROPN
framr-1733	334	6	came	come	VERB
framr-1733	334	7	as	as	ADP
framr-1733	334	8	the	the	DET
framr-1733	334	9	best	good	ADJ
framr-1733	334	10	bank	bank	NOUN
framr-1733	334	11	in	in	ADP
framr-1733	334	12	kuwait	kuwait	PROPN
framr-1733	334	13	during	during	ADP
framr-1733	334	14	the	the	DET
framr-1733	334	15	period	period	NOUN
framr-1733	334	16	spanning	span	VERB
framr-1733	334	17	from	from	ADP
framr-1733	334	18	2011	2011	NUM
framr-1733	334	19	to	to	ADP
framr-1733	334	20	2016	2016	NUM
framr-1733	334	21	scoring	score	VERB
framr-1733	334	22	an	an	DET
framr-1733	334	23	average	average	NOUN
framr-1733	334	24	of	of	ADP
framr-1733	334	25	3.17	3.17	NUM
framr-1733	334	26	despite	despite	SCONJ
framr-1733	334	27	coming	come	VERB
framr-1733	334	28	in	in	ADP
framr-1733	334	29	the	the	DET
framr-1733	334	30	top	top	NOUN
framr-1733	334	31	in	in	ADP
framr-1733	334	32	only	only	ADV
framr-1733	334	33	one	one	NUM
framr-1733	334	34	category	category	NOUN
framr-1733	334	35	and	and	CCONJ
framr-1733	334	36	that	that	PRON
framr-1733	334	37	is	be	AUX
framr-1733	334	38	market	market	NOUN
framr-1733	334	39	sensitivity	sensitivity	NOUN
framr-1733	334	40	followed	follow	VERB
framr-1733	334	41	by	by	ADP
framr-1733	334	42	kib	kib	PROPN
framr-1733	334	43	while	while	SCONJ
framr-1733	334	44	nbk	nbk	PROPN
framr-1733	334	45	came	come	VERB
framr-1733	334	46	in	in	ADP
framr-1733	334	47	third	third	ADJ
framr-1733	334	48	place	place	NOUN
framr-1733	334	49	.	.	PUNCT
framr-1733	335	1	aub	aub	PROPN
framr-1733	335	2	scored	score	VERB
framr-1733	335	3	well	well	ADV
framr-1733	335	4	in	in	ADP
framr-1733	335	5	all	all	DET
framr-1733	335	6	groups	group	NOUN
framr-1733	335	7	except	except	SCONJ
framr-1733	335	8	for	for	ADP
framr-1733	335	9	capital	capital	NOUN
framr-1733	335	10	adequacy	adequacy	NOUN
framr-1733	335	11	and	and	CCONJ
framr-1733	335	12	liquidity	liquidity	NOUN
framr-1733	335	13	while	while	SCONJ
framr-1733	335	14	kib	kib	PROPN
framr-1733	335	15	,	,	PUNCT
framr-1733	335	16	despite	despite	SCONJ
framr-1733	335	17	coming	come	VERB
framr-1733	335	18	second	second	ADV
framr-1733	335	19	in	in	ADP
framr-1733	335	20	overall	overall	ADJ
framr-1733	335	21	ranking	ranking	NOUN
framr-1733	335	22	,	,	PUNCT
framr-1733	335	23	was	be	AUX
framr-1733	335	24	the	the	DET
framr-1733	335	25	best	well	ADV
framr-1733	335	26	performing	perform	VERB
framr-1733	335	27	bank	bank	NOUN
framr-1733	335	28	in	in	ADP
framr-1733	335	29	kuwait	kuwait	PROPN
framr-1733	335	30	in	in	ADP
framr-1733	335	31	three	three	NUM
framr-1733	335	32	categories	category	NOUN
framr-1733	335	33	which	which	PRON
framr-1733	335	34	are	be	AUX
framr-1733	335	35	capital	capital	NOUN
framr-1733	335	36	adequacy	adequacy	NOUN
framr-1733	335	37	,	,	PUNCT
framr-1733	335	38	assets	asset	NOUN
framr-1733	335	39	quality	quality	NOUN
framr-1733	335	40	,	,	PUNCT
framr-1733	335	41	and	and	CCONJ
framr-1733	335	42	liquidity	liquidity	NOUN
framr-1733	335	43	but	but	CCONJ
framr-1733	335	44	the	the	DET
framr-1733	335	45	bank	bank	NOUN
framr-1733	335	46	performed	perform	VERB
framr-1733	335	47	mediocrely	mediocrely	ADV
framr-1733	335	48	in	in	ADP
framr-1733	335	49	management	management	NOUN
framr-1733	335	50	efficiency	efficiency	NOUN
framr-1733	335	51	,	,	PUNCT
framr-1733	335	52	earnings	earning	NOUN
framr-1733	335	53	quality	quality	NOUN
framr-1733	335	54	and	and	CCONJ
framr-1733	335	55	market	market	NOUN
framr-1733	335	56	risk	risk	NOUN
framr-1733	335	57	sensitivity	sensitivity	NOUN
framr-1733	335	58	.	.	PUNCT
framr-1733	336	1	at	at	ADP
framr-1733	336	2	the	the	DET
framr-1733	336	3	bottom	bottom	NOUN
framr-1733	336	4	was	be	AUX
framr-1733	336	5	kfh	kfh	VERB
framr-1733	336	6	scoring	score	VERB
framr-1733	336	7	an	an	DET
framr-1733	336	8	average	average	NOUN
framr-1733	336	9	of	of	ADP
framr-1733	336	10	6.67	6.67	NUM
framr-1733	336	11	followed	follow	VERB
framr-1733	336	12	by	by	ADP
framr-1733	336	13	both	both	DET
framr-1733	336	14	cbk	cbk	PROPN
framr-1733	336	15	and	and	CCONJ
framr-1733	336	16	gbk	gbk	PROPN
framr-1733	336	17	with	with	ADP
framr-1733	336	18	a	a	DET
framr-1733	336	19	tie	tie	NOUN
framr-1733	336	20	score	score	NOUN
framr-1733	336	21	of	of	ADP
framr-1733	336	22	5.83	5.83	NUM
framr-1733	336	23	.	.	PUNCT
framr-1733	337	1	kfh	kfh	PROPN
framr-1733	337	2	came	come	VERB
framr-1733	337	3	in	in	ADP
framr-1733	337	4	last	last	ADJ
framr-1733	337	5	place	place	NOUN
framr-1733	337	6	in	in	ADP
framr-1733	337	7	terms	term	NOUN
framr-1733	337	8	of	of	ADP
framr-1733	337	9	both	both	PRON
framr-1733	337	10	capital	capital	NOUN
framr-1733	337	11	adequacy	adequacy	NOUN
framr-1733	337	12	and	and	CCONJ
framr-1733	337	13	management	management	NOUN
framr-1733	337	14	efficiency	efficiency	NOUN
framr-1733	337	15	.	.	PUNCT
framr-1733	338	1	by	by	ADP
framr-1733	338	2	using	use	VERB
framr-1733	338	3	the	the	DET
framr-1733	338	4	mean	mean	ADJ
framr-1733	338	5	score	score	NOUN
framr-1733	338	6	for	for	SCONJ
framr-1733	338	7	every	every	DET
framr-1733	338	8	bank	bank	NOUN
framr-1733	338	9	to	to	PART
framr-1733	338	10	evaluate	evaluate	VERB
framr-1733	338	11	then	then	ADV
framr-1733	338	12	bank	bank	NOUN
framr-1733	338	13	’s	’s	PART
framr-1733	338	14	performance	performance	NOUN
framr-1733	338	15	,	,	PUNCT
framr-1733	338	16	as	as	SCONJ
framr-1733	338	17	seen	see	VERB
framr-1733	338	18	in	in	ADP
framr-1733	338	19	table	table	NOUN
framr-1733	338	20	16	16	NUM
framr-1733	338	21	the	the	DET
framr-1733	338	22	overall	overall	ADJ
framr-1733	338	23	ranking	ranking	NOUN
framr-1733	338	24	did	do	AUX
framr-1733	338	25	not	not	PART
framr-1733	338	26	change	change	VERB
framr-1733	338	27	much	much	ADV
framr-1733	338	28	.	.	PUNCT
framr-1733	339	1	aub	aub	PROPN
framr-1733	339	2	still	still	ADV
framr-1733	339	3	came	come	VERB
framr-1733	339	4	as	as	ADP
framr-1733	339	5	the	the	DET
framr-1733	339	6	best	good	ADJ
framr-1733	339	7	performer	performer	NOUN
framr-1733	339	8	followed	follow	VERB
framr-1733	339	9	by	by	ADP
framr-1733	339	10	kib	kib	PROPN
framr-1733	339	11	and	and	CCONJ
framr-1733	339	12	then	then	ADV
framr-1733	339	13	nbk	nbk	PROPN
framr-1733	339	14	.	.	PUNCT
framr-1733	340	1	the	the	DET
framr-1733	340	2	overall	overall	ADJ
framr-1733	340	3	ranking	ranking	NOUN
framr-1733	340	4	did	do	AUX
framr-1733	340	5	not	not	PART
framr-1733	340	6	change	change	VERB
framr-1733	340	7	much	much	ADV
framr-1733	340	8	at	at	ADP
framr-1733	340	9	the	the	DET
framr-1733	340	10	bottom	bottom	NOUN
framr-1733	340	11	also	also	ADV
framr-1733	340	12	,	,	PUNCT
framr-1733	340	13	kfh	kfh	PROPN
framr-1733	340	14	came	come	VERB
framr-1733	340	15	as	as	ADP
framr-1733	340	16	the	the	DET
framr-1733	340	17	worst	bad	ADJ
framr-1733	340	18	performer	performer	NOUN
framr-1733	340	19	followed	follow	VERB
framr-1733	340	20	by	by	ADP
framr-1733	340	21	cbk	cbk	PROPN
framr-1733	340	22	and	and	CCONJ
framr-1733	340	23	then	then	ADV
framr-1733	340	24	gbk	gbk	PROPN
framr-1733	340	25	.	.	PUNCT
framr-1733	341	1	table-16	table-16	PROPN
framr-1733	341	2	.	.	PROPN
framr-1733	341	3	aggregate	aggregate	ADJ
framr-1733	341	4	score	score	NOUN
framr-1733	341	5	based	base	VERB
framr-1733	341	6	on	on	ADP
framr-1733	341	7	mean	mean	PROPN
framr-1733	341	8	scores	score	NOUN
framr-1733	341	9	.	.	PUNCT
framr-1733	342	1	bank	bank	PROPN
framr-1733	342	2	c	c	PROPN
framr-1733	342	3	a	a	DET
framr-1733	342	4	m	m	NOUN
framr-1733	342	5	e	e	NOUN
framr-1733	342	6	l	l	NOUN
framr-1733	342	7	s	s	PART
framr-1733	342	8	mean	mean	NOUN
framr-1733	342	9	rank	rank	NOUN
framr-1733	342	10	cbk	cbk	PROPN
framr-1733	342	11	4.5	4.5	NUM
framr-1733	342	12	4.75	4.75	NUM
framr-1733	342	13	6.25	6.25	NUM
framr-1733	342	14	8.25	8.25	NUM
framr-1733	342	15	4	4	NUM
framr-1733	342	16	7	7	NUM
framr-1733	342	17	5.79	5.79	NUM
framr-1733	342	18	8	8	NUM
framr-1733	342	19	nbk	nbk	PROPN
framr-1733	342	20	5	5	NUM
framr-1733	342	21	5.75	5.75	NUM
framr-1733	342	22	3	3	NUM
framr-1733	342	23	1.5	1.5	NUM
framr-1733	342	24	7.75	7.75	NUM
framr-1733	342	25	3.75	3.75	NUM
framr-1733	342	26	4.46	4.46	NUM
framr-1733	342	27	3	3	NUM
framr-1733	342	28	gbk	gbk	PROPN
framr-1733	342	29	6.5	6.5	NUM
framr-1733	342	30	6	6	NUM
framr-1733	342	31	5.75	5.75	NUM
framr-1733	342	32	7.5	7.5	NUM
framr-1733	342	33	3.25	3.25	NUM
framr-1733	342	34	4.25	4.25	NUM
framr-1733	342	35	5.54	5.54	NUM
framr-1733	342	36	7	7	NUM
framr-1733	342	37	abk	abk	PROPN
framr-1733	342	38	2.5	2.5	NUM
framr-1733	342	39	6	6	NUM
framr-1733	342	40	3.5	3.5	NUM
framr-1733	342	41	4.25	4.25	NUM
framr-1733	342	42	5.5	5.5	NUM
framr-1733	342	43	5.5	5.5	NUM
framr-1733	342	44	4.54	4.54	NUM
framr-1733	342	45	4	4	NUM
framr-1733	342	46	bbk	bbk	NOUN
framr-1733	342	47	6.75	6.75	NUM
framr-1733	342	48	5	5	NUM
framr-1733	342	49	4.25	4.25	NUM
framr-1733	342	50	4.5	4.5	NUM
framr-1733	342	51	4.5	4.5	NUM
framr-1733	342	52	6.5	6.5	NUM
framr-1733	342	53	5.25	5.25	NUM
framr-1733	342	54	5	5	NUM
framr-1733	342	55	kfh	kfh	VERB
framr-1733	342	56	7	7	NUM
framr-1733	342	57	5	5	NUM
framr-1733	342	58	7.5	7.5	NUM
framr-1733	342	59	6	6	NUM
framr-1733	342	60	4.5	4.5	NUM
framr-1733	342	61	5.75	5.75	NUM
framr-1733	342	62	5.96	5.96	NUM
framr-1733	342	63	9	9	NUM
framr-1733	342	64	buk	buk	NOUN
framr-1733	342	65	5.5	5.5	NUM
framr-1733	342	66	4.75	4.75	NUM
framr-1733	342	67	6	6	NUM
framr-1733	342	68	4.75	4.75	NUM
framr-1733	342	69	7.5	7.5	NUM
framr-1733	342	70	3.5	3.5	NUM
framr-1733	342	71	5.33	5.33	NUM
framr-1733	342	72	6	6	NUM
framr-1733	342	73	kib	kib	NOUN
framr-1733	342	74	1.25	1.25	NUM
framr-1733	342	75	3.5	3.5	NUM
framr-1733	342	76	5.25	5.25	NUM
framr-1733	342	77	5.5	5.5	NUM
framr-1733	342	78	2.75	2.75	NUM
framr-1733	342	79	6.5	6.5	NUM
framr-1733	342	80	4.13	4.13	NUM
framr-1733	342	81	2	2	NUM
framr-1733	342	82	aub	aub	NOUN
framr-1733	342	83	6	6	NUM
framr-1733	342	84	4.25	4.25	NUM
framr-1733	342	85	3.25	3.25	NUM
framr-1733	342	86	2.75	2.75	NUM
framr-1733	342	87	5.25	5.25	NUM
framr-1733	342	88	2	2	NUM
framr-1733	342	89	3.92	3.92	NUM
framr-1733	342	90	1	1	NUM
framr-1733	342	91	4	4	NUM
framr-1733	342	92	.	.	PUNCT
framr-1733	342	93	conclusion	conclusion	VERB
framr-1733	342	94	the	the	DET
framr-1733	342	95	banking	banking	NOUN
framr-1733	342	96	sector	sector	NOUN
framr-1733	342	97	is	be	AUX
framr-1733	342	98	the	the	DET
framr-1733	342	99	corner	corner	NOUN
framr-1733	342	100	stone	stone	NOUN
framr-1733	342	101	for	for	ADP
framr-1733	342	102	every	every	DET
framr-1733	342	103	economy	economy	NOUN
framr-1733	342	104	,	,	PUNCT
framr-1733	342	105	having	have	VERB
framr-1733	342	106	a	a	DET
framr-1733	342	107	healthy	healthy	ADJ
framr-1733	342	108	banking	banking	NOUN
framr-1733	342	109	sector	sector	NOUN
framr-1733	342	110	would	would	AUX
framr-1733	342	111	yield	yield	VERB
framr-1733	342	112	to	to	ADP
framr-1733	342	113	a	a	DET
framr-1733	342	114	stronger	strong	ADJ
framr-1733	342	115	economy	economy	NOUN
framr-1733	342	116	.	.	PUNCT
framr-1733	343	1	monitoring	monitor	VERB
framr-1733	343	2	the	the	DET
framr-1733	343	3	banks	bank	NOUN
framr-1733	343	4	is	be	AUX
framr-1733	343	5	an	an	DET
framr-1733	343	6	essential	essential	ADJ
framr-1733	343	7	task	task	NOUN
framr-1733	343	8	to	to	PART
framr-1733	343	9	diagnose	diagnose	VERB
framr-1733	343	10	any	any	DET
framr-1733	343	11	problem	problem	NOUN
framr-1733	343	12	in	in	ADP
framr-1733	343	13	its	its	PRON
framr-1733	343	14	early	early	ADJ
framr-1733	343	15	stages	stage	NOUN
framr-1733	343	16	and	and	CCONJ
framr-1733	343	17	work	work	NOUN
framr-1733	343	18	to	to	PART
framr-1733	343	19	resolve	resolve	VERB
framr-1733	343	20	it	it	PRON
framr-1733	343	21	.	.	PUNCT
framr-1733	344	1	the	the	DET
framr-1733	344	2	aim	aim	NOUN
framr-1733	344	3	of	of	ADP
framr-1733	344	4	this	this	DET
framr-1733	344	5	study	study	NOUN
framr-1733	344	6	was	be	AUX
framr-1733	344	7	to	to	PART
framr-1733	344	8	shed	shed	VERB
framr-1733	344	9	some	some	DET
framr-1733	344	10	light	light	NOUN
framr-1733	344	11	on	on	ADP
framr-1733	344	12	the	the	DET
framr-1733	344	13	kuwaiti	kuwaiti	PROPN
framr-1733	344	14	banking	banking	NOUN
framr-1733	344	15	sector	sector	NOUN
framr-1733	344	16	and	and	CCONJ
framr-1733	344	17	showing	show	VERB
framr-1733	344	18	the	the	DET
framr-1733	344	19	area	area	NOUN
framr-1733	344	20	’s	’	VERB
framr-1733	344	21	that	that	PRON
framr-1733	344	22	needs	need	VERB
framr-1733	344	23	to	to	PART
framr-1733	344	24	be	be	AUX
framr-1733	344	25	addressed	address	VERB
framr-1733	344	26	in	in	ADP
framr-1733	344	27	each	each	DET
framr-1733	344	28	bank	bank	NOUN
framr-1733	344	29	over	over	ADP
framr-1733	344	30	the	the	DET
framr-1733	344	31	period	period	NOUN
framr-1733	344	32	from	from	ADP
framr-1733	344	33	2011	2011	NUM
framr-1733	344	34	to	to	ADP
framr-1733	344	35	2016	2016	NUM
framr-1733	344	36	.	.	PUNCT
framr-1733	345	1	results	result	NOUN
framr-1733	345	2	showed	show	VERB
framr-1733	345	3	that	that	SCONJ
framr-1733	345	4	while	while	SCONJ
framr-1733	345	5	ahli	ahli	PROPN
framr-1733	345	6	united	united	PROPN
framr-1733	345	7	bank	bank	PROPN
framr-1733	345	8	was	be	AUX
framr-1733	345	9	the	the	DET
framr-1733	345	10	overall	overall	ADJ
framr-1733	345	11	top	top	ADJ
framr-1733	345	12	performing	perform	VERB
framr-1733	345	13	bank	bank	NOUN
framr-1733	345	14	in	in	ADP
framr-1733	345	15	kuwait	kuwait	PROPN
framr-1733	345	16	the	the	DET
framr-1733	345	17	bank	bank	NOUN
framr-1733	345	18	showed	show	VERB
framr-1733	345	19	weakness	weakness	NOUN
framr-1733	345	20	in	in	ADP
framr-1733	345	21	terms	term	NOUN
framr-1733	345	22	of	of	ADP
framr-1733	345	23	capital	capital	NOUN
framr-1733	345	24	adequacy	adequacy	NOUN
framr-1733	345	25	and	and	CCONJ
framr-1733	345	26	liquidity	liquidity	NOUN
framr-1733	345	27	while	while	SCONJ
framr-1733	345	28	the	the	DET
framr-1733	345	29	worst	worst	ADV
framr-1733	345	30	performing	perform	VERB
framr-1733	345	31	bank	bank	NOUN
framr-1733	345	32	was	be	AUX
framr-1733	345	33	kuwait	kuwait	PROPN
framr-1733	345	34	finance	finance	PROPN
framr-1733	345	35	house	house	PROPN
framr-1733	345	36	showing	show	VERB
framr-1733	345	37	a	a	DET
framr-1733	345	38	very	very	ADV
framr-1733	345	39	poor	poor	ADJ
framr-1733	345	40	performance	performance	NOUN
framr-1733	345	41	in	in	ADP
framr-1733	345	42	capital	capital	NOUN
framr-1733	345	43	adequacy	adequacy	NOUN
framr-1733	345	44	and	and	CCONJ
framr-1733	345	45	management	management	NOUN
framr-1733	345	46	efficiency	efficiency	NOUN
framr-1733	345	47	.	.	PUNCT
framr-1733	346	1	financial	financial	ADJ
framr-1733	346	2	risk	risk	NOUN
framr-1733	346	3	and	and	CCONJ
framr-1733	346	4	management	management	NOUN
framr-1733	346	5	reviews	review	NOUN
framr-1733	346	6	,	,	PUNCT
framr-1733	346	7	2019	2019	NUM
framr-1733	346	8	,	,	PUNCT
framr-1733	346	9	5(1	5(1	NUM
framr-1733	346	10	):	):	PUNCT
framr-1733	346	11	55	55	NUM
framr-1733	346	12	-	-	SYM
framr-1733	346	13	69	69	NUM
framr-1733	346	14	68	68	NUM
framr-1733	346	15	©	©	PROPN
framr-1733	346	16	2019	2019	NUM
framr-1733	346	17	conscientia	conscientia	PROPN
framr-1733	346	18	beam	beam	PROPN
framr-1733	346	19	.	.	PUNCT
framr-1733	347	1	all	all	DET
framr-1733	347	2	rights	right	NOUN
framr-1733	347	3	reserved	reserve	VERB
framr-1733	347	4	.	.	PUNCT
framr-1733	348	1	funding	funding	NOUN
framr-1733	348	2	:	:	PUNCT
framr-1733	348	3	this	this	DET
framr-1733	348	4	study	study	NOUN
framr-1733	348	5	received	receive	VERB
framr-1733	348	6	no	no	DET
framr-1733	348	7	specific	specific	ADJ
framr-1733	348	8	financial	financial	ADJ
framr-1733	348	9	support	support	NOUN
framr-1733	348	10	.	.	PUNCT
framr-1733	349	1	competing	compete	VERB
framr-1733	349	2	interests	interest	NOUN
framr-1733	349	3	:	:	PUNCT
framr-1733	349	4	the	the	DET
framr-1733	349	5	authors	author	NOUN
framr-1733	349	6	declare	declare	VERB
framr-1733	349	7	that	that	SCONJ
framr-1733	349	8	they	they	PRON
framr-1733	349	9	have	have	VERB
framr-1733	349	10	no	no	DET
framr-1733	349	11	competing	compete	VERB
framr-1733	349	12	interests	interest	NOUN
framr-1733	349	13	.	.	PUNCT
framr-1733	350	1	acknowledgement	acknowledgement	NOUN
framr-1733	350	2	:	:	PUNCT
framr-1733	350	3	both	both	DET
framr-1733	350	4	authors	author	NOUN
framr-1733	350	5	contributed	contribute	VERB
framr-1733	350	6	equally	equally	ADV
framr-1733	350	7	to	to	ADP
framr-1733	350	8	the	the	DET
framr-1733	350	9	conception	conception	NOUN
framr-1733	350	10	and	and	CCONJ
framr-1733	350	11	design	design	NOUN
framr-1733	350	12	of	of	ADP
framr-1733	350	13	the	the	DET
framr-1733	350	14	study	study	NOUN
framr-1733	350	15	.	.	PUNCT
framr-1733	351	1	references	reference	NOUN
framr-1733	351	2	abor	abor	PROPN
framr-1733	351	3	,	,	PUNCT
framr-1733	351	4	j.	j.	PROPN
framr-1733	351	5	,	,	PUNCT
framr-1733	351	6	2005	2005	NUM
framr-1733	351	7	.	.	PUNCT
framr-1733	352	1	the	the	DET
framr-1733	352	2	effect	effect	NOUN
framr-1733	352	3	of	of	ADP
framr-1733	352	4	capital	capital	NOUN
framr-1733	352	5	structure	structure	NOUN
framr-1733	352	6	on	on	ADP
framr-1733	352	7	profitability	profitability	NOUN
framr-1733	352	8	:	:	PUNCT
framr-1733	352	9	an	an	DET
framr-1733	352	10	empirical	empirical	ADJ
framr-1733	352	11	analysis	analysis	NOUN
framr-1733	352	12	of	of	ADP
framr-1733	352	13	listed	list	VERB
framr-1733	352	14	firms	firm	NOUN
framr-1733	352	15	in	in	ADP
framr-1733	352	16	ghana	ghana	PROPN
framr-1733	352	17	.	.	PUNCT
framr-1733	353	1	the	the	DET
framr-1733	353	2	journal	journal	NOUN
framr-1733	353	3	of	of	ADP
framr-1733	353	4	risk	risk	NOUN
framr-1733	353	5	finance	finance	NOUN
framr-1733	353	6	,	,	PUNCT
framr-1733	353	7	6(5	6(5	NUM
framr-1733	353	8	):	):	PUNCT
framr-1733	353	9	438-445.available	438-445.available	NUM
framr-1733	353	10	at	at	ADP
framr-1733	353	11	:	:	PUNCT
framr-1733	353	12	https://doi.org/10.1108/15265940510633505	https://doi.org/10.1108/15265940510633505	PROPN
framr-1733	353	13	.	.	PUNCT
framr-1733	353	14	aspal	aspal	PROPN
framr-1733	353	15	,	,	PUNCT
framr-1733	353	16	p.k	p.k	PROPN
framr-1733	353	17	.	.	PROPN
framr-1733	353	18	and	and	CCONJ
framr-1733	353	19	s.	s.	PROPN
framr-1733	353	20	dhawan	dhawan	PROPN
framr-1733	353	21	,	,	PUNCT
framr-1733	353	22	2014	2014	NUM
framr-1733	353	23	.	.	PUNCT
framr-1733	354	1	financial	financial	ADJ
framr-1733	354	2	performance	performance	NOUN
framr-1733	354	3	assessment	assessment	NOUN
framr-1733	354	4	of	of	ADP
framr-1733	354	5	banking	banking	NOUN
framr-1733	354	6	sector	sector	NOUN
framr-1733	354	7	in	in	ADP
framr-1733	354	8	india	india	PROPN
framr-1733	354	9	:	:	PUNCT
framr-1733	354	10	a	a	DET
framr-1733	354	11	case	case	NOUN
framr-1733	354	12	study	study	NOUN
framr-1733	354	13	of	of	ADP
framr-1733	354	14	old	old	ADJ
framr-1733	354	15	private	private	ADJ
framr-1733	354	16	sector	sector	NOUN
framr-1733	354	17	banks	bank	NOUN
framr-1733	354	18	.	.	PUNCT
framr-1733	355	1	the	the	DET
framr-1733	355	2	business	business	PROPN
framr-1733	355	3	&	&	CCONJ
framr-1733	355	4	management	management	PROPN
framr-1733	355	5	review	review	PROPN
framr-1733	355	6	,	,	PUNCT
framr-1733	355	7	5(3	5(3	NUM
framr-1733	355	8	):	):	PUNCT
framr-1733	355	9	196	196	NUM
framr-1733	355	10	-	-	SYM
framr-1733	355	11	211	211	NUM
framr-1733	355	12	.	.	PUNCT
framr-1733	356	1	aspal	aspal	ADJ
framr-1733	356	2	,	,	PUNCT
framr-1733	356	3	p.k	p.k	PROPN
framr-1733	356	4	.	.	PROPN
framr-1733	356	5	and	and	CCONJ
framr-1733	356	6	s.	s.	PROPN
framr-1733	356	7	dhawan	dhawan	PROPN
framr-1733	356	8	,	,	PUNCT
framr-1733	356	9	2016	2016	NUM
framr-1733	356	10	.	.	PUNCT
framr-1733	357	1	camels	camel	NOUN
framr-1733	357	2	rating	rating	NOUN
framr-1733	357	3	model	model	NOUN
framr-1733	357	4	for	for	ADP
framr-1733	357	5	evaluating	evaluate	VERB
framr-1733	357	6	financial	financial	ADJ
framr-1733	357	7	performance	performance	NOUN
framr-1733	357	8	of	of	ADP
framr-1733	357	9	banking	banking	NOUN
framr-1733	357	10	sector	sector	NOUN
framr-1733	357	11	:	:	PUNCT
framr-1733	357	12	a	a	DET
framr-1733	357	13	theoretical	theoretical	ADJ
framr-1733	357	14	perspective	perspective	NOUN
framr-1733	357	15	.	.	PUNCT
framr-1733	358	1	international	international	ADJ
framr-1733	358	2	journal	journal	NOUN
framr-1733	358	3	of	of	ADP
framr-1733	358	4	system	system	NOUN
framr-1733	358	5	modeling	modeling	NOUN
framr-1733	358	6	and	and	CCONJ
framr-1733	358	7	simulation	simulation	NOUN
framr-1733	358	8	,	,	PUNCT
framr-1733	358	9	1(3	1(3	NUM
framr-1733	358	10	):	):	PUNCT
framr-1733	358	11	10	10	NUM
framr-1733	358	12	-	-	SYM
framr-1733	358	13	15	15	NUM
framr-1733	358	14	.	.	PUNCT
framr-1733	359	1	atikogullari	atikogullari	PROPN
framr-1733	359	2	,	,	PUNCT
framr-1733	359	3	m.	m.	NOUN
framr-1733	359	4	,	,	PUNCT
framr-1733	359	5	2009	2009	NUM
framr-1733	359	6	.	.	PUNCT
framr-1733	360	1	an	an	DET
framr-1733	360	2	analysis	analysis	NOUN
framr-1733	360	3	of	of	ADP
framr-1733	360	4	the	the	DET
framr-1733	360	5	northern	northern	PROPN
framr-1733	360	6	cyprus	cyprus	PROPN
framr-1733	360	7	banking	banking	NOUN
framr-1733	360	8	sector	sector	NOUN
framr-1733	360	9	in	in	ADP
framr-1733	360	10	the	the	DET
framr-1733	360	11	post-2001	post-2001	ADJ
framr-1733	360	12	period	period	NOUN
framr-1733	360	13	through	through	ADP
framr-1733	360	14	the	the	DET
framr-1733	360	15	camels	camel	NOUN
framr-1733	360	16	approach	approach	NOUN
framr-1733	360	17	.	.	PUNCT
framr-1733	361	1	international	international	ADJ
framr-1733	361	2	research	research	PROPN
framr-1733	361	3	journal	journal	NOUN
framr-1733	361	4	of	of	ADP
framr-1733	361	5	finance	finance	NOUN
framr-1733	361	6	and	and	CCONJ
framr-1733	361	7	economics	economic	NOUN
framr-1733	361	8	,	,	PUNCT
framr-1733	361	9	32(32	32(32	NUM
framr-1733	361	10	):	):	PUNCT
framr-1733	361	11	212	212	NUM
framr-1733	361	12	-	-	SYM
framr-1733	361	13	229	229	NUM
framr-1733	361	14	.	.	PUNCT
framr-1733	362	1	babu	babu	PROPN
framr-1733	362	2	,	,	PUNCT
framr-1733	362	3	m.r	m.r	PROPN
framr-1733	362	4	.	.	PROPN
framr-1733	362	5	and	and	CCONJ
framr-1733	362	6	a.m.	a.m.	PROPN
framr-1733	362	7	kumar	kumar	PROPN
framr-1733	362	8	,	,	PUNCT
framr-1733	362	9	2017	2017	NUM
framr-1733	362	10	.	.	PUNCT
framr-1733	362	11	adequacy	adequacy	NOUN
framr-1733	362	12	of	of	ADP
framr-1733	362	13	camels	camel	NOUN
framr-1733	362	14	rating	rating	NOUN
framr-1733	362	15	system	system	NOUN
framr-1733	362	16	in	in	ADP
framr-1733	362	17	measuring	measure	VERB
framr-1733	362	18	the	the	DET
framr-1733	362	19	efficiency	efficiency	NOUN
framr-1733	362	20	of	of	ADP
framr-1733	362	21	banking	banking	NOUN
framr-1733	362	22	industry	industry	NOUN
framr-1733	362	23	:	:	PUNCT
framr-1733	362	24	a	a	DET
framr-1733	362	25	retrospect	retrospect	NOUN
framr-1733	362	26	.	.	PUNCT
framr-1733	363	1	international	international	ADJ
framr-1733	363	2	journal	journal	PROPN
framr-1733	363	3	of	of	ADP
framr-1733	363	4	research	research	NOUN
framr-1733	363	5	in	in	ADP
framr-1733	363	6	arts	art	NOUN
framr-1733	363	7	and	and	CCONJ
framr-1733	363	8	sciences	science	NOUN
framr-1733	363	9	,	,	PUNCT
framr-1733	363	10	3(3	3(3	NUM
framr-1733	363	11	-	-	SYM
framr-1733	363	12	8)	8)	NUM
framr-1733	363	13	:	:	PUNCT
framr-1733	363	14	3	3	NUM
framr-1733	363	15	-	-	SYM
framr-1733	363	16	6	6	NUM
framr-1733	363	17	.	.	PUNCT
framr-1733	364	1	back	back	ADV
framr-1733	364	2	,	,	PUNCT
framr-1733	364	3	o.	o.	PROPN
framr-1733	364	4	,	,	PUNCT
framr-1733	364	5	g.	g.	PROPN
framr-1733	364	6	oosterom	oosterom	ADP
framr-1733	364	7	,	,	PUNCT
framr-1733	364	8	k.	k.	PROPN
framr-1733	364	9	sere	sere	PROPN
framr-1733	364	10	and	and	CCONJ
framr-1733	364	11	w.	w.	PROPN
framr-1733	364	12	van	van	PROPN
framr-1733	364	13	,	,	PUNCT
framr-1733	364	14	m.	m.	NOUN
framr-1733	364	15	,	,	PUNCT
framr-1733	364	16	1994	1994	NUM
framr-1733	364	17	.	.	PUNCT
framr-1733	365	1	a	a	DET
framr-1733	365	2	comparative	comparative	ADJ
framr-1733	365	3	study	study	NOUN
framr-1733	365	4	of	of	ADP
framr-1733	365	5	neural	neural	ADJ
framr-1733	365	6	networks	network	NOUN
framr-1733	365	7	in	in	ADP
framr-1733	365	8	bankruptcy	bankruptcy	NOUN
framr-1733	365	9	prediction	prediction	NOUN
framr-1733	365	10	,	,	PUNCT
framr-1733	365	11	proceedings	proceeding	NOUN
framr-1733	365	12	of	of	ADP
framr-1733	365	13	the	the	DET
framr-1733	365	14	10th	10th	ADJ
framr-1733	365	15	conference	conference	NOUN
framr-1733	365	16	on	on	ADP
framr-1733	365	17	artificial	artificial	ADJ
framr-1733	365	18	intelligence	intelligence	NOUN
framr-1733	365	19	research	research	NOUN
framr-1733	365	20	in	in	ADP
framr-1733	365	21	finland	finland	PROPN
framr-1733	365	22	,	,	PUNCT
framr-1733	365	23	finnish	finnish	ADJ
framr-1733	365	24	artificial	artificial	ADJ
framr-1733	365	25	intelligence	intelligence	NOUN
framr-1733	365	26	society	society	NOUN
framr-1733	365	27	,	,	PUNCT
framr-1733	365	28	pp	pp	ADP
framr-1733	365	29	:	:	PUNCT
framr-1733	365	30	140	140	NUM
framr-1733	365	31	-	-	SYM
framr-1733	365	32	148	148	NUM
framr-1733	365	33	.	.	PUNCT
framr-1733	366	1	baral	baral	PROPN
framr-1733	366	2	,	,	PUNCT
framr-1733	366	3	k.j	k.j	PROPN
framr-1733	366	4	.	.	PROPN
framr-1733	366	5	,	,	PUNCT
framr-1733	366	6	2005	2005	NUM
framr-1733	366	7	.	.	PUNCT
framr-1733	367	1	health	health	NOUN
framr-1733	367	2	check	check	PROPN
framr-1733	367	3	-	-	PUNCT
framr-1733	367	4	up	up	NOUN
framr-1733	367	5	of	of	ADP
framr-1733	367	6	commercial	commercial	ADJ
framr-1733	367	7	banks	bank	NOUN
framr-1733	367	8	in	in	ADP
framr-1733	367	9	the	the	DET
framr-1733	367	10	framework	framework	NOUN
framr-1733	367	11	of	of	ADP
framr-1733	367	12	camel	camel	NOUN
framr-1733	367	13	:	:	PUNCT
framr-1733	367	14	a	a	DET
framr-1733	367	15	case	case	NOUN
framr-1733	367	16	study	study	NOUN
framr-1733	367	17	of	of	ADP
framr-1733	367	18	joint	joint	ADJ
framr-1733	367	19	venture	venture	NOUN
framr-1733	367	20	banks	bank	NOUN
framr-1733	367	21	in	in	ADP
framr-1733	367	22	nepal	nepal	PROPN
framr-1733	367	23	.	.	PUNCT
framr-1733	368	1	journal	journal	PROPN
framr-1733	368	2	of	of	ADP
framr-1733	368	3	nepalese	nepalese	ADJ
framr-1733	368	4	business	business	NOUN
framr-1733	368	5	studies	study	NOUN
framr-1733	368	6	,	,	PUNCT
framr-1733	368	7	2(1	2(1	NUM
framr-1733	368	8	):	):	PUNCT
framr-1733	368	9	41-55.available	41-55.available	ADJ
framr-1733	368	10	at	at	ADP
framr-1733	368	11	:	:	PUNCT
framr-1733	368	12	https://doi.org/10.3126/jnbs.v2i1.55	https://doi.org/10.3126/jnbs.v2i1.55	NOUN
framr-1733	368	13	.	.	PUNCT
framr-1733	369	1	christopoulos	christopoulos	PROPN
framr-1733	369	2	,	,	PUNCT
framr-1733	369	3	a.g	a.g	PROPN
framr-1733	369	4	.	.	PROPN
framr-1733	369	5	,	,	PUNCT
framr-1733	369	6	j.	j.	PROPN
framr-1733	369	7	mylonakis	mylonakis	PROPN
framr-1733	369	8	and	and	CCONJ
framr-1733	369	9	p.	p.	PROPN
framr-1733	369	10	diktapanidis	diktapanidis	PROPN
framr-1733	369	11	,	,	PUNCT
framr-1733	369	12	2011	2011	NUM
framr-1733	369	13	.	.	PUNCT
framr-1733	370	1	could	could	AUX
framr-1733	370	2	lehman	lehman	PROPN
framr-1733	370	3	brothers	brother	NOUN
framr-1733	370	4	'	'	PART
framr-1733	370	5	collapse	collapse	NOUN
framr-1733	370	6	be	be	AUX
framr-1733	370	7	anticipated	anticipate	VERB
framr-1733	370	8	?	?	PUNCT
framr-1733	371	1	an	an	DET
framr-1733	371	2	examination	examination	NOUN
framr-1733	371	3	using	use	VERB
framr-1733	371	4	camels	camel	NOUN
framr-1733	371	5	rating	rating	NOUN
framr-1733	371	6	system	system	NOUN
framr-1733	371	7	.	.	PUNCT
framr-1733	372	1	international	international	ADJ
framr-1733	372	2	business	business	NOUN
framr-1733	372	3	research	research	NOUN
framr-1733	372	4	,	,	PUNCT
framr-1733	372	5	4(2	4(2	NUM
framr-1733	372	6	):	):	PUNCT
framr-1733	372	7	11-19.available	11-19.available	NUM
framr-1733	372	8	at	at	ADP
framr-1733	372	9	:	:	PUNCT
framr-1733	372	10	https://doi.org/10.5539/ibr.v4n2p11	https://doi.org/10.5539/ibr.v4n2p11	NUM
framr-1733	372	11	.	.	PUNCT
framr-1733	373	1	dang	dang	PROPN
framr-1733	373	2	,	,	PUNCT
framr-1733	373	3	u.	u.	PROPN
framr-1733	373	4	,	,	PUNCT
framr-1733	373	5	2011	2011	NUM
framr-1733	373	6	.	.	PUNCT
framr-1733	374	1	the	the	DET
framr-1733	374	2	camel	camel	NOUN
framr-1733	374	3	rating	rating	NOUN
framr-1733	374	4	system	system	NOUN
framr-1733	374	5	in	in	ADP
framr-1733	374	6	banking	banking	NOUN
framr-1733	374	7	supervision	supervision	NOUN
framr-1733	374	8	a	a	DET
framr-1733	374	9	case	case	NOUN
framr-1733	374	10	study	study	NOUN
framr-1733	374	11	.	.	PUNCT
framr-1733	375	1	arcada	arcada	PROPN
framr-1733	375	2	university	university	PROPN
framr-1733	375	3	of	of	ADP
framr-1733	375	4	applied	apply	VERB
framr-1733	375	5	sciences	science	NOUN
framr-1733	375	6	,	,	PUNCT
framr-1733	375	7	2011	2011	NUM
framr-1733	375	8	.	.	PUNCT
framr-1733	376	1	dechow	dechow	ADJ
framr-1733	376	2	,	,	PUNCT
framr-1733	376	3	p.	p.	NOUN
framr-1733	376	4	and	and	CCONJ
framr-1733	376	5	c.	c.	PROPN
framr-1733	376	6	schrand	schrand	PROPN
framr-1733	376	7	,	,	PUNCT
framr-1733	376	8	2004	2004	NUM
framr-1733	376	9	.	.	PUNCT
framr-1733	377	1	earnings	earning	NOUN
framr-1733	377	2	quality	quality	NOUN
framr-1733	377	3	.	.	PUNCT
framr-1733	378	1	united	united	PROPN
framr-1733	378	2	states	states	PROPN
framr-1733	378	3	of	of	ADP
framr-1733	378	4	america	america	PROPN
framr-1733	378	5	:	:	PUNCT
framr-1733	378	6	the	the	DET
framr-1733	378	7	research	research	NOUN
framr-1733	378	8	foundation	foundation	PROPN
framr-1733	378	9	of	of	ADP
framr-1733	378	10	cfa	cfa	PROPN
framr-1733	378	11	institute	institute	PROPN
framr-1733	378	12	.	.	PUNCT
framr-1733	379	1	demirgüç	demirgüç	PROPN
framr-1733	379	2	-	-	PUNCT
framr-1733	379	3	kunt	kunt	PROPN
framr-1733	379	4	,	,	PUNCT
framr-1733	379	5	a.	a.	NOUN
framr-1733	379	6	,	,	PUNCT
framr-1733	379	7	1989	1989	NUM
framr-1733	379	8	.	.	PUNCT
framr-1733	380	1	deposit	deposit	NOUN
framr-1733	380	2	-	-	PUNCT
framr-1733	380	3	institution	institution	NOUN
framr-1733	380	4	failures	failure	NOUN
framr-1733	380	5	:	:	PUNCT
framr-1733	380	6	a	a	DET
framr-1733	380	7	review	review	NOUN
framr-1733	380	8	of	of	ADP
framr-1733	380	9	empirical	empirical	ADJ
framr-1733	380	10	literature	literature	NOUN
framr-1733	380	11	.	.	PUNCT
framr-1733	381	1	economic	economic	ADJ
framr-1733	381	2	review	review	PROPN
framr-1733	381	3	,	,	PUNCT
framr-1733	381	4	25(4	25(4	NOUN
framr-1733	381	5	):	):	PUNCT
framr-1733	381	6	2	2	NUM
framr-1733	381	7	-	-	SYM
framr-1733	381	8	19	19	NUM
framr-1733	381	9	.	.	PUNCT
framr-1733	382	1	derviz	derviz	PROPN
framr-1733	382	2	,	,	PUNCT
framr-1733	382	3	a.	a.	NOUN
framr-1733	382	4	and	and	CCONJ
framr-1733	382	5	j.	j.	PROPN
framr-1733	382	6	podpiera	podpiera	PROPN
framr-1733	382	7	,	,	PUNCT
framr-1733	382	8	2008	2008	NUM
framr-1733	382	9	.	.	PUNCT
framr-1733	383	1	predicting	predict	VERB
framr-1733	383	2	bank	bank	NOUN
framr-1733	383	3	camels	camel	NOUN
framr-1733	383	4	and	and	CCONJ
framr-1733	383	5	s&p	s&p	PROPN
framr-1733	383	6	ratings	rating	NOUN
framr-1733	383	7	:	:	PUNCT
framr-1733	383	8	the	the	DET
framr-1733	383	9	case	case	NOUN
framr-1733	383	10	of	of	ADP
framr-1733	383	11	the	the	DET
framr-1733	383	12	czech	czech	PROPN
framr-1733	383	13	republic	republic	NOUN
framr-1733	383	14	.	.	PUNCT
framr-1733	384	1	emerging	emerge	VERB
framr-1733	384	2	markets	market	NOUN
framr-1733	384	3	finance	finance	NOUN
framr-1733	384	4	and	and	CCONJ
framr-1733	384	5	trade	trade	NOUN
framr-1733	384	6	,	,	PUNCT
framr-1733	384	7	44(1	44(1	PROPN
framr-1733	384	8	):	):	PUNCT
framr-1733	384	9	117-130.available	117-130.available	NUM
framr-1733	384	10	at	at	ADP
framr-1733	384	11	:	:	PUNCT
framr-1733	384	12	https://doi.org/10.2753/ree1540-496x440107	https://doi.org/10.2753/ree1540-496x440107	NUM
framr-1733	384	13	.	.	PUNCT
framr-1733	385	1	dincer	dincer	PROPN
framr-1733	385	2	,	,	PUNCT
framr-1733	385	3	h.	h.	PROPN
framr-1733	385	4	,	,	PUNCT
framr-1733	385	5	g.	g.	PROPN
framr-1733	385	6	gencer	gencer	NOUN
framr-1733	385	7	,	,	PUNCT
framr-1733	385	8	n.	n.	PROPN
framr-1733	385	9	orhan	orhan	PROPN
framr-1733	385	10	and	and	CCONJ
framr-1733	385	11	k.	k.	PROPN
framr-1733	385	12	sahinbas	sahinbas	PROPN
framr-1733	385	13	,	,	PUNCT
framr-1733	385	14	2011	2011	NUM
framr-1733	385	15	.	.	PUNCT
framr-1733	386	1	a	a	DET
framr-1733	386	2	performance	performance	NOUN
framr-1733	386	3	evaluation	evaluation	NOUN
framr-1733	386	4	of	of	ADP
framr-1733	386	5	the	the	DET
framr-1733	386	6	turkish	turkish	ADJ
framr-1733	386	7	banking	banking	NOUN
framr-1733	386	8	sector	sector	NOUN
framr-1733	386	9	after	after	ADP
framr-1733	386	10	the	the	DET
framr-1733	386	11	global	global	ADJ
framr-1733	386	12	crisis	crisis	NOUN
framr-1733	386	13	via	via	ADP
framr-1733	386	14	camels	camel	NOUN
framr-1733	386	15	ratios	ratio	NOUN
framr-1733	386	16	.	.	PUNCT
framr-1733	387	1	procedia	procedia	NOUN
framr-1733	387	2	-	-	PUNCT
framr-1733	387	3	social	social	ADJ
framr-1733	387	4	and	and	CCONJ
framr-1733	387	5	behavioral	behavioral	ADJ
framr-1733	387	6	sciences	science	NOUN
framr-1733	387	7	,	,	PUNCT
framr-1733	387	8	24	24	NUM
framr-1733	387	9	:	:	SYM
framr-1733	387	10	1530-1545.available	1530-1545.available	NUM
framr-1733	387	11	at	at	ADP
framr-1733	387	12	:	:	PUNCT
framr-1733	387	13	https://doi.org/10.1016/j.sbspro.2011.09.051	https://doi.org/10.1016/j.sbspro.2011.09.051	PROPN
framr-1733	387	14	.	.	PUNCT
framr-1733	388	1	evans	evans	PROPN
framr-1733	388	2	,	,	PUNCT
framr-1733	388	3	o.	o.	PROPN
framr-1733	388	4	,	,	PUNCT
framr-1733	388	5	a.m.	a.m.	PROPN
framr-1733	388	6	leone	leone	PROPN
framr-1733	388	7	,	,	PUNCT
framr-1733	388	8	m.	m.	NOUN
framr-1733	388	9	gill	gill	PROPN
framr-1733	388	10	,	,	PUNCT
framr-1733	388	11	p.	p.	NOUN
framr-1733	388	12	hilbers	hilber	NOUN
framr-1733	388	13	,	,	PUNCT
framr-1733	388	14	w.	w.	PROPN
framr-1733	388	15	blaschke	blaschke	PROPN
framr-1733	388	16	,	,	PUNCT
framr-1733	388	17	r.	r.	PROPN
framr-1733	388	18	krueger	krueger	PROPN
framr-1733	388	19	and	and	CCONJ
framr-1733	388	20	j.t	j.t	PROPN
framr-1733	388	21	.	.	PROPN
framr-1733	388	22	berge	berge	PROPN
framr-1733	388	23	,	,	PUNCT
framr-1733	388	24	2000	2000	NUM
framr-1733	388	25	.	.	PUNCT
framr-1733	389	1	macro	macro	ADJ
framr-1733	389	2	prudential	prudential	ADJ
framr-1733	389	3	indicators	indicator	NOUN
framr-1733	389	4	of	of	ADP
framr-1733	389	5	financial	financial	ADJ
framr-1733	389	6	system	system	NOUN
framr-1733	389	7	soundness	soundness	NOUN
framr-1733	389	8	.	.	PUNCT
framr-1733	390	1	imf	imf	PROPN
framr-1733	390	2	occasional	occasional	ADJ
framr-1733	390	3	paper	paper	NOUN
framr-1733	390	4	,	,	PUNCT
framr-1733	390	5	no	no	INTJ
framr-1733	390	6	.	.	NOUN
framr-1733	390	7	192	192	NUM
framr-1733	390	8	.	.	PUNCT
framr-1733	391	1	gilbert	gilbert	PROPN
framr-1733	391	2	,	,	PUNCT
framr-1733	391	3	r.a	r.a	PROPN
framr-1733	391	4	.	.	PROPN
framr-1733	391	5	,	,	PUNCT
framr-1733	391	6	a.p	a.p	PROPN
framr-1733	391	7	.	.	PROPN
framr-1733	391	8	meyer	meyer	PROPN
framr-1733	391	9	and	and	CCONJ
framr-1733	391	10	m.d	m.d	PROPN
framr-1733	391	11	.	.	PROPN
framr-1733	391	12	vaughan	vaughan	PROPN
framr-1733	391	13	,	,	PUNCT
framr-1733	391	14	2000	2000	NUM
framr-1733	391	15	.	.	PUNCT
framr-1733	392	1	the	the	DET
framr-1733	392	2	role	role	NOUN
framr-1733	392	3	of	of	ADP
framr-1733	392	4	a	a	DET
framr-1733	392	5	camel	camel	NOUN
framr-1733	392	6	downgrade	downgrade	NOUN
framr-1733	392	7	model	model	NOUN
framr-1733	392	8	in	in	ADP
framr-1733	392	9	bank	bank	NOUN
framr-1733	392	10	surveillance	surveillance	NOUN
framr-1733	392	11	.	.	PUNCT
framr-1733	393	1	federal	federal	PROPN
framr-1733	393	2	reserve	reserve	PROPN
framr-1733	393	3	bank	bank	PROPN
framr-1733	393	4	of	of	ADP
framr-1733	393	5	st	st	PROPN
framr-1733	393	6	.	.	PROPN
framr-1733	393	7	louis	louis	PROPN
framr-1733	393	8	working	working	PROPN
framr-1733	393	9	paper	paper	NOUN
framr-1733	393	10	series	series	NOUN
framr-1733	393	11	,	,	PUNCT
framr-1733	393	12	wp	wp	PROPN
framr-1733	393	13	2000	2000	NUM
framr-1733	393	14	-	-	PUNCT
framr-1733	393	15	021a	021a	NOUN
framr-1733	393	16	.	.	PUNCT
framr-1733	394	1	gonzález	gonzález	PROPN
framr-1733	394	2	-	-	PUNCT
framr-1733	394	3	hermosillo	hermosillo	PROPN
framr-1733	394	4	,	,	PUNCT
framr-1733	394	5	m.b	m.b	PROPN
framr-1733	394	6	.	.	PROPN
framr-1733	394	7	,	,	PUNCT
framr-1733	394	8	1999	1999	NUM
framr-1733	394	9	.	.	PUNCT
framr-1733	395	1	determinants	determinant	NOUN
framr-1733	395	2	of	of	ADP
framr-1733	395	3	ex	ex	PROPN
framr-1733	395	4	-	-	ADJ
framr-1733	395	5	ante	ante	ADJ
framr-1733	395	6	banking	banking	NOUN
framr-1733	395	7	system	system	NOUN
framr-1733	395	8	distress	distress	NOUN
framr-1733	395	9	:	:	PUNCT
framr-1733	395	10	a	a	DET
framr-1733	395	11	macro	macro	ADJ
framr-1733	395	12	-	-	ADJ
framr-1733	395	13	micro	micro	ADJ
framr-1733	395	14	empirical	empirical	ADJ
framr-1733	395	15	exploration	exploration	NOUN
framr-1733	395	16	of	of	ADP
framr-1733	395	17	some	some	DET
framr-1733	395	18	recent	recent	ADJ
framr-1733	395	19	episodes	episode	NOUN
framr-1733	395	20	.	.	PUNCT
framr-1733	396	1	international	international	ADJ
framr-1733	396	2	monetary	monetary	ADJ
framr-1733	396	3	fund	fund	NOUN
framr-1733	396	4	.	.	PUNCT
framr-1733	397	1	hays	hay	NOUN
framr-1733	397	2	,	,	PUNCT
framr-1733	397	3	f.h	f.h	PROPN
framr-1733	397	4	.	.	PROPN
framr-1733	397	5	,	,	PUNCT
framr-1733	397	6	s.a	s.a	PROPN
framr-1733	397	7	.	.	PROPN
framr-1733	397	8	de	de	PROPN
framr-1733	397	9	lurgio	lurgio	PROPN
framr-1733	397	10	and	and	CCONJ
framr-1733	397	11	a.h	a.h	PROPN
framr-1733	397	12	.	.	PROPN
framr-1733	397	13	gilbert	gilbert	PROPN
framr-1733	397	14	,	,	PUNCT
framr-1733	397	15	2009	2009	NUM
framr-1733	397	16	.	.	PUNCT
framr-1733	398	1	efficiency	efficiency	NOUN
framr-1733	398	2	ratios	ratio	NOUN
framr-1733	398	3	and	and	CCONJ
framr-1733	398	4	community	community	NOUN
framr-1733	398	5	bank	bank	NOUN
framr-1733	398	6	performance	performance	NOUN
framr-1733	398	7	.	.	PUNCT
framr-1733	399	1	journal	journal	NOUN
framr-1733	399	2	of	of	ADP
framr-1733	399	3	finance	finance	NOUN
framr-1733	399	4	and	and	CCONJ
framr-1733	399	5	accountancy	accountancy	NOUN
framr-1733	399	6	,	,	PUNCT
framr-1733	399	7	1(1	1(1	NUM
framr-1733	399	8	):	):	PUNCT
framr-1733	399	9	1	1	NUM
framr-1733	399	10	-	-	SYM
framr-1733	399	11	15	15	NUM
framr-1733	399	12	.	.	PUNCT
framr-1733	400	1	jha	jha	PROPN
framr-1733	400	2	,	,	PUNCT
framr-1733	400	3	s.	s.	PROPN
framr-1733	400	4	and	and	CCONJ
framr-1733	400	5	x.	x.	PROPN
framr-1733	400	6	hui	hui	PROPN
framr-1733	400	7	,	,	PUNCT
framr-1733	400	8	2012	2012	NUM
framr-1733	400	9	.	.	PUNCT
framr-1733	401	1	a	a	DET
framr-1733	401	2	comparison	comparison	NOUN
framr-1733	401	3	of	of	ADP
framr-1733	401	4	financial	financial	ADJ
framr-1733	401	5	performance	performance	NOUN
framr-1733	401	6	of	of	ADP
framr-1733	401	7	commercial	commercial	ADJ
framr-1733	401	8	banks	bank	NOUN
framr-1733	401	9	:	:	PUNCT
framr-1733	401	10	a	a	DET
framr-1733	401	11	case	case	NOUN
framr-1733	401	12	study	study	NOUN
framr-1733	401	13	of	of	ADP
framr-1733	401	14	nepal	nepal	ADJ
framr-1733	401	15	.	.	PUNCT
framr-1733	402	1	african	african	ADJ
framr-1733	402	2	journal	journal	PROPN
framr-1733	402	3	of	of	ADP
framr-1733	402	4	business	business	NOUN
framr-1733	402	5	management	management	NOUN
framr-1733	402	6	,	,	PUNCT
framr-1733	402	7	6(25	6(25	NUM
framr-1733	402	8	):	):	PUNCT
framr-1733	402	9	7601-7611.available	7601-7611.available	ADJ
framr-1733	402	10	at	at	ADP
framr-1733	402	11	:	:	PUNCT
framr-1733	402	12	https://doi.org/10.5897/ajbm11.3073	https://doi.org/10.5897/ajbm11.3073	PROPN
framr-1733	402	13	.	.	PUNCT
framr-1733	402	14	kosmidou	kosmidou	PROPN
framr-1733	402	15	,	,	PUNCT
framr-1733	402	16	k.	k.	PROPN
framr-1733	402	17	,	,	PUNCT
framr-1733	402	18	2008	2008	NUM
framr-1733	402	19	.	.	PUNCT
framr-1733	403	1	the	the	DET
framr-1733	403	2	determinants	determinant	NOUN
framr-1733	403	3	of	of	ADP
framr-1733	403	4	banks	bank	NOUN
framr-1733	403	5	’	'	PUNCT
framr-1733	403	6	profits	profit	NOUN
framr-1733	403	7	in	in	ADP
framr-1733	403	8	greece	greece	PROPN
framr-1733	403	9	during	during	ADP
framr-1733	403	10	the	the	DET
framr-1733	403	11	period	period	NOUN
framr-1733	403	12	of	of	ADP
framr-1733	403	13	eu	eu	PROPN
framr-1733	403	14	financial	financial	ADJ
framr-1733	403	15	integration	integration	NOUN
framr-1733	403	16	.	.	PUNCT
framr-1733	404	1	journal	journal	NOUN
framr-1733	404	2	of	of	ADP
framr-1733	404	3	managerial	managerial	ADJ
framr-1733	404	4	finance	finance	NOUN
framr-1733	404	5	,	,	PUNCT
framr-1733	404	6	34(3	34(3	NUM
framr-1733	404	7	):	):	PUNCT
framr-1733	404	8	146	146	NUM
framr-1733	404	9	-	-	SYM
framr-1733	404	10	159	159	NUM
framr-1733	404	11	.	.	PUNCT
framr-1733	405	1	lopez	lopez	NOUN
framr-1733	405	2	,	,	PUNCT
framr-1733	405	3	j.a	j.a	PROPN
framr-1733	405	4	.	.	PROPN
framr-1733	405	5	,	,	PUNCT
framr-1733	405	6	1999	1999	NUM
framr-1733	405	7	.	.	PUNCT
framr-1733	406	1	using	use	VERB
framr-1733	406	2	camels	camel	NOUN
framr-1733	406	3	rating	rate	VERB
framr-1733	406	4	to	to	PART
framr-1733	406	5	monitor	monitor	VERB
framr-1733	406	6	bank	bank	NOUN
framr-1733	406	7	conditions	condition	NOUN
framr-1733	406	8	.	.	PUNCT
framr-1733	407	1	federal	federal	PROPN
framr-1733	407	2	reserve	reserve	PROPN
framr-1733	407	3	bank	bank	PROPN
framr-1733	407	4	of	of	ADP
framr-1733	407	5	san	san	PROPN
framr-1733	407	6	francisco	francisco	PROPN
framr-1733	407	7	economic	economic	ADJ
framr-1733	407	8	letters	letter	NOUN
framr-1733	407	9	.	.	PUNCT
framr-1733	408	1	mishra	mishra	PROPN
framr-1733	408	2	,	,	PUNCT
framr-1733	408	3	a.k	a.k	PROPN
framr-1733	408	4	.	.	PROPN
framr-1733	408	5	,	,	PUNCT
framr-1733	408	6	g.	g.	PROPN
framr-1733	408	7	,	,	PUNCT
framr-1733	408	8	s.a	s.a	PROPN
framr-1733	408	9	.	.	PROPN
framr-1733	408	10	harsha	harsha	PROPN
framr-1733	408	11	and	and	CCONJ
framr-1733	408	12	n.r	n.r	PROPN
framr-1733	408	13	.	.	PROPN
framr-1733	408	14	d.	d.	PROPN
framr-1733	408	15	,	,	PUNCT
framr-1733	408	16	2012	2012	NUM
framr-1733	408	17	.	.	PUNCT
framr-1733	409	1	analyzing	analyze	VERB
framr-1733	409	2	soundness	soundness	NOUN
framr-1733	409	3	in	in	ADP
framr-1733	409	4	indian	indian	ADJ
framr-1733	409	5	banking	banking	NOUN
framr-1733	409	6	:	:	PUNCT
framr-1733	409	7	a	a	DET
framr-1733	409	8	camel	camel	NOUN
framr-1733	409	9	approach	approach	NOUN
framr-1733	409	10	.	.	PUNCT
framr-1733	410	1	research	research	NOUN
framr-1733	410	2	journal	journal	PROPN
framr-1733	410	3	of	of	ADP
framr-1733	410	4	management	management	NOUN
framr-1733	410	5	sciences	science	NOUN
framr-1733	410	6	,	,	PUNCT
framr-1733	410	7	1(3	1(3	NUM
framr-1733	410	8	):	):	PUNCT
framr-1733	410	9	11	11	NUM
framr-1733	410	10	–	–	SYM
framr-1733	410	11	14	14	NUM
framr-1733	410	12	.	.	PUNCT
framr-1733	410	13	financial	financial	ADJ
framr-1733	410	14	risk	risk	NOUN
framr-1733	410	15	and	and	CCONJ
framr-1733	410	16	management	management	NOUN
framr-1733	410	17	reviews	review	NOUN
framr-1733	410	18	,	,	PUNCT
framr-1733	410	19	2019	2019	NUM
framr-1733	410	20	,	,	PUNCT
framr-1733	410	21	5(1	5(1	NUM
framr-1733	410	22	):	):	PUNCT
framr-1733	410	23	55	55	NUM
framr-1733	410	24	-	-	SYM
framr-1733	410	25	69	69	NUM
framr-1733	410	26	69	69	NUM
framr-1733	410	27	©	©	PROPN
framr-1733	410	28	2019	2019	NUM
framr-1733	410	29	conscientia	conscientia	PROPN
framr-1733	410	30	beam	beam	PROPN
framr-1733	410	31	.	.	PUNCT
framr-1733	411	1	all	all	DET
framr-1733	411	2	rights	right	NOUN
framr-1733	411	3	reserved	reserve	VERB
framr-1733	411	4	.	.	PUNCT
framr-1733	412	1	rajender	rajender	PROPN
framr-1733	412	2	,	,	PUNCT
framr-1733	412	3	k.	k.	PROPN
framr-1733	412	4	,	,	PUNCT
framr-1733	412	5	2009	2009	NUM
framr-1733	412	6	.	.	PUNCT
framr-1733	413	1	management	management	NOUN
framr-1733	413	2	of	of	ADP
framr-1733	413	3	non	non	ADJ
framr-1733	413	4	-	-	ADJ
framr-1733	413	5	performing	perform	VERB
framr-1733	413	6	assets	asset	NOUN
framr-1733	413	7	in	in	ADP
framr-1733	413	8	public	public	ADJ
framr-1733	413	9	sector	sector	NOUN
framr-1733	413	10	banks	bank	NOUN
framr-1733	413	11	.	.	PUNCT
framr-1733	414	1	the	the	DET
framr-1733	414	2	indian	indian	PROPN
framr-1733	414	3	journal	journal	PROPN
framr-1733	414	4	of	of	ADP
framr-1733	414	5	commerce	commerce	PROPN
framr-1733	414	6	,	,	PUNCT
framr-1733	414	7	62(1	62(1	NOUN
framr-1733	414	8	):	):	PUNCT
framr-1733	414	9	45	45	NUM
framr-1733	414	10	-	-	SYM
framr-1733	414	11	54	54	NUM
framr-1733	414	12	.	.	PUNCT
framr-1733	415	1	roman	roman	PROPN
framr-1733	415	2	,	,	PUNCT
framr-1733	415	3	a.	a.	NOUN
framr-1733	415	4	and	and	CCONJ
framr-1733	415	5	a.c	a.c	PROPN
framr-1733	415	6	.	.	PROPN
framr-1733	415	7	sargu	sargu	PROPN
framr-1733	415	8	,	,	PUNCT
framr-1733	415	9	2013	2013	NUM
framr-1733	415	10	.	.	PUNCT
framr-1733	416	1	analysing	analyse	VERB
framr-1733	416	2	the	the	DET
framr-1733	416	3	financial	financial	ADJ
framr-1733	416	4	soundness	soundness	NOUN
framr-1733	416	5	of	of	ADP
framr-1733	416	6	the	the	DET
framr-1733	416	7	commercial	commercial	ADJ
framr-1733	416	8	banks	bank	NOUN
framr-1733	416	9	in	in	ADP
framr-1733	416	10	romania	romania	PROPN
framr-1733	416	11	:	:	PUNCT
framr-1733	416	12	an	an	DET
framr-1733	416	13	approach	approach	NOUN
framr-1733	416	14	based	base	VERB
framr-1733	416	15	on	on	ADP
framr-1733	416	16	the	the	DET
framr-1733	416	17	camels	camel	NOUN
framr-1733	416	18	framework	framework	NOUN
framr-1733	416	19	.	.	PUNCT
framr-1733	417	1	procedia	procedia	NOUN
framr-1733	417	2	economics	economic	NOUN
framr-1733	417	3	and	and	CCONJ
framr-1733	417	4	finance	finance	NOUN
framr-1733	417	5	,	,	PUNCT
framr-1733	417	6	6	6	NUM
framr-1733	417	7	:	:	SYM
framr-1733	417	8	703-712.available	703-712.available	NUM
framr-1733	417	9	at	at	ADP
framr-1733	417	10	:	:	PUNCT
framr-1733	417	11	https://doi.org/10.1016/s22125671(13)00192-5	https://doi.org/10.1016/s22125671(13)00192-5	ADJ
framr-1733	417	12	.	.	PUNCT
framr-1733	418	1	sahajwala	sahajwala	PROPN
framr-1733	418	2	,	,	PUNCT
framr-1733	418	3	r.	r.	PROPN
framr-1733	418	4	and	and	CCONJ
framr-1733	418	5	p.	p.	PROPN
framr-1733	418	6	van	van	PROPN
framr-1733	418	7	den	den	PROPN
framr-1733	418	8	bergh	bergh	PROPN
framr-1733	418	9	,	,	PUNCT
framr-1733	418	10	2000	2000	NUM
framr-1733	418	11	.	.	PUNCT
framr-1733	419	1	supervisory	supervisory	ADJ
framr-1733	419	2	risk	risk	NOUN
framr-1733	419	3	assessment	assessment	NOUN
framr-1733	419	4	and	and	CCONJ
framr-1733	419	5	early	early	ADJ
framr-1733	419	6	warning	warning	NOUN
framr-1733	419	7	systems	system	NOUN
framr-1733	419	8	.	.	PUNCT
framr-1733	420	1	bis	bis	PROPN
framr-1733	420	2	working	working	NOUN
framr-1733	420	3	papers	paper	NOUN
framr-1733	420	4	.	.	PUNCT
framr-1733	421	1	no	no	INTJ
framr-1733	421	2	.	.	NOUN
framr-1733	422	1	4	4	X
framr-1733	422	2	.	.	X
framr-1733	422	3	sangmi	sangmi	PROPN
framr-1733	422	4	,	,	PUNCT
framr-1733	422	5	m.-u.-d	m.-u.-d	NOUN
framr-1733	422	6	.	.	PROPN
framr-1733	423	1	and	and	CCONJ
framr-1733	423	2	t.	t.	PROPN
framr-1733	423	3	nazir	nazir	PROPN
framr-1733	423	4	,	,	PUNCT
framr-1733	423	5	2010	2010	NUM
framr-1733	423	6	.	.	PUNCT
framr-1733	424	1	analyzing	analyze	VERB
framr-1733	424	2	financial	financial	ADJ
framr-1733	424	3	performance	performance	NOUN
framr-1733	424	4	of	of	ADP
framr-1733	424	5	commercial	commercial	ADJ
framr-1733	424	6	banks	bank	NOUN
framr-1733	424	7	in	in	ADP
framr-1733	424	8	india	india	PROPN
framr-1733	424	9	:	:	PUNCT
framr-1733	424	10	application	application	NOUN
framr-1733	424	11	of	of	ADP
framr-1733	424	12	camel	camel	NOUN
framr-1733	424	13	model	model	PROPN
framr-1733	424	14	.	.	PUNCT
framr-1733	425	1	pakistan	pakistan	PROPN
framr-1733	425	2	journal	journal	PROPN
framr-1733	425	3	of	of	ADP
framr-1733	425	4	commerce	commerce	PROPN
framr-1733	425	5	and	and	CCONJ
framr-1733	425	6	social	social	ADJ
framr-1733	425	7	sciences	science	NOUN
framr-1733	425	8	,	,	PUNCT
framr-1733	425	9	4(1	4(1	NOUN
framr-1733	425	10	):	):	PUNCT
framr-1733	425	11	40	40	NUM
framr-1733	425	12	-	-	SYM
framr-1733	425	13	55	55	NUM
framr-1733	425	14	.	.	PUNCT
framr-1733	426	1	shollapur	shollapur	NOUN
framr-1733	426	2	,	,	PUNCT
framr-1733	426	3	m.	m.	NOUN
framr-1733	426	4	and	and	CCONJ
framr-1733	426	5	y.	y.	PROPN
framr-1733	426	6	baligatti	baligatti	PROPN
framr-1733	426	7	,	,	PUNCT
framr-1733	426	8	2010	2010	NUM
framr-1733	426	9	.	.	PUNCT
framr-1733	427	1	funds	fund	NOUN
framr-1733	427	2	management	management	NOUN
framr-1733	427	3	in	in	ADP
framr-1733	427	4	banks	bank	NOUN
framr-1733	427	5	:	:	PUNCT
framr-1733	427	6	a	a	DET
framr-1733	427	7	cost	cost	NOUN
framr-1733	427	8	-	-	PUNCT
framr-1733	427	9	benefit	benefit	NOUN
framr-1733	427	10	perspective	perspective	NOUN
framr-1733	427	11	.	.	PUNCT
framr-1733	428	1	international	international	ADJ
framr-1733	428	2	business	business	PROPN
framr-1733	428	3	&	&	CCONJ
framr-1733	428	4	economics	economics	PROPN
framr-1733	428	5	research	research	PROPN
framr-1733	428	6	journal	journal	PROPN
framr-1733	428	7	,	,	PUNCT
framr-1733	428	8	9(11	9(11	NUM
framr-1733	428	9	):	):	PUNCT
framr-1733	428	10	21-30.available	21-30.available	ADJ
framr-1733	428	11	at	at	ADP
framr-1733	428	12	:	:	PUNCT
framr-1733	428	13	https://doi.org/10.19030/iber.v9i11.27	https://doi.org/10.19030/iber.v9i11.27	PROPN
framr-1733	428	14	.	.	PUNCT
framr-1733	429	1	taub	taub	PROPN
framr-1733	429	2	,	,	PUNCT
framr-1733	429	3	a.j	a.j	PROPN
framr-1733	429	4	.	.	PROPN
framr-1733	429	5	,	,	PUNCT
framr-1733	429	6	1975	1975	NUM
framr-1733	429	7	.	.	PUNCT
framr-1733	430	1	determinants	determinant	NOUN
framr-1733	430	2	of	of	ADP
framr-1733	430	3	the	the	DET
framr-1733	430	4	firm	firm	NOUN
framr-1733	430	5	's	's	PART
framr-1733	430	6	capital	capital	NOUN
framr-1733	430	7	structure	structure	NOUN
framr-1733	430	8	.	.	PUNCT
framr-1733	431	1	the	the	DET
framr-1733	431	2	review	review	NOUN
framr-1733	431	3	of	of	ADP
framr-1733	431	4	economics	economic	NOUN
framr-1733	431	5	and	and	CCONJ
framr-1733	431	6	statistics	statistic	NOUN
framr-1733	431	7	,	,	PUNCT
framr-1733	431	8	57	57	NUM
framr-1733	431	9	:	:	SYM
framr-1733	431	10	410	410	NUM
framr-1733	431	11	-	-	SYM
framr-1733	431	12	416	416	NUM
framr-1733	431	13	.	.	PUNCT
framr-1733	432	1	türker	türker	PROPN
framr-1733	432	2	kaya	kaya	PROPN
framr-1733	432	3	,	,	PUNCT
framr-1733	432	4	y.	y.	PROPN
framr-1733	432	5	,	,	PUNCT
framr-1733	432	6	2001	2001	NUM
framr-1733	432	7	.	.	PUNCT
framr-1733	433	1	camels	camel	NOUN
framr-1733	433	2	analysis	analysis	NOUN
framr-1733	433	3	in	in	ADP
framr-1733	433	4	turkish	turkish	ADJ
framr-1733	433	5	banking	banking	NOUN
framr-1733	433	6	sector	sector	NOUN
framr-1733	433	7	.	.	PUNCT
framr-1733	434	1	mspd	mspd	PROPN
framr-1733	434	2	study	study	PROPN
framr-1733	434	3	reports	report	VERB
framr-1733	434	4	:	:	PUNCT
framr-1733	434	5	1	1	NUM
framr-1733	434	6	-	-	SYM
framr-1733	434	7	20	20	NUM
framr-1733	434	8	.	.	PUNCT
framr-1733	435	1	views	view	NOUN
framr-1733	435	2	and	and	CCONJ
framr-1733	435	3	opinions	opinion	NOUN
framr-1733	435	4	expressed	express	VERB
framr-1733	435	5	in	in	ADP
framr-1733	435	6	this	this	DET
framr-1733	435	7	article	article	NOUN
framr-1733	435	8	are	be	AUX
framr-1733	435	9	the	the	DET
framr-1733	435	10	views	view	NOUN
framr-1733	435	11	and	and	CCONJ
framr-1733	435	12	opinions	opinion	NOUN
framr-1733	435	13	of	of	ADP
framr-1733	435	14	the	the	DET
framr-1733	435	15	author(s	author(s	NOUN
framr-1733	435	16	)	)	PUNCT
framr-1733	435	17	,	,	PUNCT
framr-1733	435	18	financial	financial	ADJ
framr-1733	435	19	risk	risk	NOUN
framr-1733	435	20	and	and	CCONJ
framr-1733	435	21	management	management	NOUN
framr-1733	435	22	reviews	review	NOUN
framr-1733	435	23	shall	shall	AUX
framr-1733	435	24	not	not	PART
framr-1733	435	25	be	be	AUX
framr-1733	435	26	responsible	responsible	ADJ
framr-1733	435	27	or	or	CCONJ
framr-1733	435	28	answerable	answerable	ADJ
framr-1733	435	29	for	for	ADP
framr-1733	435	30	any	any	DET
framr-1733	435	31	loss	loss	NOUN
framr-1733	435	32	,	,	PUNCT
framr-1733	435	33	damage	damage	NOUN
framr-1733	435	34	or	or	CCONJ
framr-1733	435	35	liability	liability	NOUN
framr-1733	435	36	etc	etc	X
framr-1733	435	37	.	.	X
framr-1733	436	1	caused	cause	VERB
framr-1733	436	2	in	in	ADP
framr-1733	436	3	relation	relation	NOUN
framr-1733	436	4	to	to	PART
framr-1733	436	5	/	/	PUNCT
framr-1733	436	6	arising	arise	VERB
framr-1733	436	7	out	out	ADP
framr-1733	436	8	of	of	ADP
framr-1733	436	9	the	the	DET
framr-1733	436	10	use	use	NOUN
framr-1733	436	11	of	of	ADP
framr-1733	436	12	the	the	DET
framr-1733	436	13	content	content	NOUN
framr-1733	436	14	.	.	PUNCT