id	sid	tid	token	lemma	pos
framr-2989	1	1	12	12	NUM
framr-2989	1	2	©	©	PROPN
framr-2989	1	3	2022	2022	NUM
framr-2989	1	4	conscientia	conscientia	PROPN
framr-2989	1	5	beam	beam	PROPN
framr-2989	1	6	.	.	PUNCT
framr-2989	2	1	all	all	DET
framr-2989	2	2	rights	right	NOUN
framr-2989	2	3	reserved	reserve	VERB
framr-2989	2	4	.	.	PUNCT
framr-2989	3	1	performance	performance	NOUN
framr-2989	3	2	and	and	CCONJ
framr-2989	3	3	dividend	dividend	NOUN
framr-2989	3	4	policy	policy	NOUN
framr-2989	3	5	of	of	ADP
framr-2989	3	6	state	state	NOUN
framr-2989	3	7	-	-	PUNCT
framr-2989	3	8	owned	own	VERB
framr-2989	3	9	banks	bank	NOUN
framr-2989	3	10	before	before	ADP
framr-2989	3	11	and	and	CCONJ
framr-2989	3	12	after	after	ADP
framr-2989	3	13	covid-19	covid-19	PROPN
framr-2989	3	14	i	i	PROPN
framr-2989	3	15	wayan	wayan	PROPN
framr-2989	3	16	budi	budi	PROPN
framr-2989	3	17	artha1	artha1	PROPN
framr-2989	3	18	+	+	CCONJ
framr-2989	3	19	tri	tri	PROPN
framr-2989	3	20	widyastuti2	widyastuti2	X
framr-2989	3	21	irvandi	irvandi	VERB
framr-2989	3	22	gustari3	gustari3	PROPN
framr-2989	4	1	1,3pancasila	1,3pancasila	NUM
framr-2989	4	2	university	university	NOUN
framr-2989	4	3	,	,	PUNCT
framr-2989	4	4	jakarta	jakarta	PROPN
framr-2989	4	5	,	,	PUNCT
framr-2989	4	6	indonesia	indonesia	PROPN
framr-2989	4	7	.	.	PUNCT
framr-2989	5	1	2bhayangkara	2bhayangkara	NUM
framr-2989	5	2	jakarta	jakarta	PROPN
framr-2989	5	3	raya	raya	PROPN
framr-2989	5	4	university	university	PROPN
framr-2989	5	5	,	,	PUNCT
framr-2989	5	6	jakarta	jakarta	PROPN
framr-2989	5	7	,	,	PUNCT
framr-2989	5	8	indonesia	indonesia	PROPN
framr-2989	5	9	.	.	PUNCT
framr-2989	6	1	¹email	¹email	PROPN
framr-2989	6	2	:	:	PUNCT
framr-2989	7	1	budiartha121@gmail.com	budiartha121@gmail.com	X
framr-2989	7	2	tel	tel	PROPN
framr-2989	7	3	.	.	PUNCT
framr-2989	8	1	+62	+62	PROPN
framr-2989	8	2	8126781192	8126781192	NUM
framr-2989	8	3	²email	²email	PROPN
framr-2989	8	4	:	:	PUNCT
framr-2989	8	5	triewidhiastuti@yahoo.com	triewidhiastuti@yahoo.com	X
framr-2989	9	1	tel	tel	PROPN
framr-2989	9	2	.	.	PUNCT
framr-2989	10	1	+62	+62	PROPN
framr-2989	10	2	81311271470	81311271470	NUM
framr-2989	10	3	³email	³email	NOUN
framr-2989	10	4	:	:	PUNCT
framr-2989	11	1	irvandigustari@yahoo.com	irvandigustari@yahoo.com	X
framr-2989	12	1	tel	tel	ADP
framr-2989	12	2	+62	+62	PROPN
framr-2989	12	3	8117043112	8117043112	NUM
framr-2989	12	4	(	(	PUNCT
framr-2989	12	5	+	+	NUM
framr-2989	12	6	corresponding	correspond	VERB
framr-2989	12	7	author	author	NOUN
framr-2989	12	8	)	)	PUNCT
framr-2989	12	9	abstract	abstract	ADJ
framr-2989	12	10	article	article	NOUN
framr-2989	12	11	history	history	NOUN
framr-2989	12	12	received	receive	VERB
framr-2989	12	13	:	:	PUNCT
framr-2989	12	14	1	1	NUM
framr-2989	12	15	march	march	NOUN
framr-2989	12	16	2022	2022	NUM
framr-2989	12	17	revised	revise	VERB
framr-2989	12	18	:	:	PUNCT
framr-2989	12	19	6	6	NUM
framr-2989	12	20	april	april	PROPN
framr-2989	12	21	2022	2022	NUM
framr-2989	12	22	accepted	accept	VERB
framr-2989	12	23	:	:	PUNCT
framr-2989	12	24	20	20	NUM
framr-2989	12	25	april	april	PROPN
framr-2989	12	26	2022	2022	NUM
framr-2989	12	27	published	publish	VERB
framr-2989	12	28	:	:	PUNCT
framr-2989	12	29	9	9	NUM
framr-2989	12	30	may	may	AUX
framr-2989	12	31	2022	2022	NUM
framr-2989	12	32	keywords	keyword	NOUN
framr-2989	12	33	market	market	NOUN
framr-2989	12	34	capitalization	capitalization	NOUN
framr-2989	12	35	profitability	profitability	NOUN
framr-2989	12	36	credit	credit	NOUN
framr-2989	12	37	quality	quality	NOUN
framr-2989	12	38	liquidity	liquidity	NOUN
framr-2989	12	39	dividend	dividend	NOUN
framr-2989	12	40	policy	policy	NOUN
framr-2989	12	41	covid-19	covid-19	PROPN
framr-2989	12	42	pandemic	pandemic	NOUN
framr-2989	12	43	.	.	PUNCT
framr-2989	13	1	the	the	DET
framr-2989	13	2	purpose	purpose	NOUN
framr-2989	13	3	of	of	ADP
framr-2989	13	4	this	this	DET
framr-2989	13	5	study	study	NOUN
framr-2989	13	6	was	be	AUX
framr-2989	13	7	to	to	PART
framr-2989	13	8	analyze	analyze	VERB
framr-2989	13	9	the	the	DET
framr-2989	13	10	performance	performance	NOUN
framr-2989	13	11	and	and	CCONJ
framr-2989	13	12	dividend	dividend	NOUN
framr-2989	13	13	policy	policy	NOUN
framr-2989	13	14	of	of	ADP
framr-2989	13	15	stateowned	stateowne	VERB
framr-2989	13	16	banks	bank	NOUN
framr-2989	13	17	before	before	ADV
framr-2989	13	18	and	and	CCONJ
framr-2989	13	19	after	after	ADP
framr-2989	13	20	the	the	DET
framr-2989	13	21	covid-19	covid-19	PROPN
framr-2989	13	22	.	.	PUNCT
framr-2989	14	1	the	the	DET
framr-2989	14	2	research	research	NOUN
framr-2989	14	3	period	period	NOUN
framr-2989	14	4	is	be	AUX
framr-2989	14	5	2018	2018	NUM
framr-2989	14	6	-	-	SYM
framr-2989	14	7	2021	2021	NUM
framr-2989	14	8	,	,	PUNCT
framr-2989	14	9	with	with	SCONJ
framr-2989	14	10	the	the	DET
framr-2989	14	11	sampling	sample	VERB
framr-2989	14	12	technique	technique	NOUN
framr-2989	14	13	is	be	AUX
framr-2989	14	14	saturated	saturate	VERB
framr-2989	14	15	sampling	sampling	NOUN
framr-2989	14	16	,	,	PUNCT
framr-2989	14	17	where	where	SCONJ
framr-2989	14	18	all	all	DET
framr-2989	14	19	members	member	NOUN
framr-2989	14	20	of	of	ADP
framr-2989	14	21	the	the	DET
framr-2989	14	22	population	population	NOUN
framr-2989	14	23	are	be	AUX
framr-2989	14	24	used	use	VERB
framr-2989	14	25	as	as	ADP
framr-2989	14	26	samples	sample	NOUN
framr-2989	14	27	.	.	PUNCT
framr-2989	15	1	the	the	DET
framr-2989	15	2	analytical	analytical	ADJ
framr-2989	15	3	tool	tool	NOUN
framr-2989	15	4	used	use	VERB
framr-2989	15	5	is	be	AUX
framr-2989	15	6	the	the	DET
framr-2989	15	7	different	different	ADJ
framr-2989	15	8	test	test	NOUN
framr-2989	15	9	(	(	PUNCT
framr-2989	15	10	t	t	NOUN
framr-2989	15	11	-	-	PUNCT
framr-2989	15	12	test	test	NOUN
framr-2989	15	13	)	)	PUNCT
framr-2989	15	14	supported	support	VERB
framr-2989	15	15	by	by	ADP
framr-2989	15	16	the	the	DET
framr-2989	15	17	spss	spss	PROPN
framr-2989	15	18	program	program	NOUN
framr-2989	15	19	.	.	PUNCT
framr-2989	16	1	the	the	DET
framr-2989	16	2	results	result	NOUN
framr-2989	16	3	show	show	VERB
framr-2989	16	4	that	that	SCONJ
framr-2989	16	5	the	the	DET
framr-2989	16	6	performance	performance	NOUN
framr-2989	16	7	of	of	ADP
framr-2989	16	8	state	state	NOUN
framr-2989	16	9	-	-	PUNCT
framr-2989	16	10	owned	own	VERB
framr-2989	16	11	banks	bank	NOUN
framr-2989	16	12	,	,	PUNCT
framr-2989	16	13	namely	namely	ADV
framr-2989	16	14	market	market	NOUN
framr-2989	16	15	capitalization	capitalization	NOUN
framr-2989	16	16	,	,	PUNCT
framr-2989	16	17	profitability	profitability	NOUN
framr-2989	16	18	,	,	PUNCT
framr-2989	16	19	credit	credit	NOUN
framr-2989	16	20	quality	quality	NOUN
framr-2989	16	21	and	and	CCONJ
framr-2989	16	22	liquidity	liquidity	NOUN
framr-2989	16	23	is	be	AUX
framr-2989	16	24	different	different	ADJ
framr-2989	16	25	before	before	ADV
framr-2989	16	26	and	and	CCONJ
framr-2989	16	27	after	after	ADP
framr-2989	16	28	the	the	DET
framr-2989	16	29	covid-19	covid-19	PROPN
framr-2989	16	30	,	,	PUNCT
framr-2989	16	31	while	while	SCONJ
framr-2989	16	32	the	the	DET
framr-2989	16	33	dividend	dividend	NOUN
framr-2989	16	34	policy	policy	NOUN
framr-2989	16	35	is	be	AUX
framr-2989	16	36	not	not	PART
framr-2989	16	37	different	different	ADJ
framr-2989	16	38	.	.	PUNCT
framr-2989	17	1	the	the	DET
framr-2989	17	2	market	market	NOUN
framr-2989	17	3	capitalization	capitalization	NOUN
framr-2989	17	4	and	and	CCONJ
framr-2989	17	5	profitability	profitability	NOUN
framr-2989	17	6	of	of	ADP
framr-2989	17	7	state	state	NOUN
framr-2989	17	8	-	-	PUNCT
framr-2989	17	9	owned	own	VERB
framr-2989	17	10	banks	bank	NOUN
framr-2989	17	11	have	have	AUX
framr-2989	17	12	decreased	decrease	VERB
framr-2989	17	13	and	and	CCONJ
framr-2989	17	14	liquidity	liquidity	NOUN
framr-2989	17	15	has	have	AUX
framr-2989	17	16	improved	improve	VERB
framr-2989	17	17	after	after	ADP
framr-2989	17	18	the	the	DET
framr-2989	17	19	covid-19	covid-19	PROPN
framr-2989	17	20	,	,	PUNCT
framr-2989	17	21	as	as	ADP
framr-2989	17	22	a	a	DET
framr-2989	17	23	result	result	NOUN
framr-2989	17	24	of	of	ADP
framr-2989	17	25	deteriorating	deteriorate	VERB
framr-2989	17	26	credit	credit	NOUN
framr-2989	17	27	quality	quality	NOUN
framr-2989	17	28	.	.	PUNCT
framr-2989	18	1	deteriorating	deteriorate	VERB
framr-2989	18	2	credit	credit	NOUN
framr-2989	18	3	quality	quality	NOUN
framr-2989	18	4	after	after	SCONJ
framr-2989	18	5	the	the	DET
framr-2989	18	6	covid-19	covid-19	PROPN
framr-2989	18	7	resulted	result	VERB
framr-2989	18	8	in	in	ADP
framr-2989	18	9	decreased	decrease	VERB
framr-2989	18	10	loan	loan	NOUN
framr-2989	18	11	productivity	productivity	NOUN
framr-2989	18	12	and	and	CCONJ
framr-2989	18	13	increased	increase	VERB
framr-2989	18	14	loss	loss	NOUN
framr-2989	18	15	reserves	reserve	NOUN
framr-2989	18	16	and	and	CCONJ
framr-2989	18	17	banks	bank	NOUN
framr-2989	18	18	were	be	AUX
framr-2989	18	19	more	more	ADV
framr-2989	18	20	careful	careful	ADJ
framr-2989	18	21	in	in	ADP
framr-2989	18	22	distributing	distribute	VERB
framr-2989	18	23	credit	credit	NOUN
framr-2989	18	24	so	so	SCONJ
framr-2989	18	25	that	that	SCONJ
framr-2989	18	26	the	the	DET
framr-2989	18	27	liquidity	liquidity	NOUN
framr-2989	18	28	was	be	AUX
framr-2989	18	29	getting	get	VERB
framr-2989	18	30	looser	loose	ADJ
framr-2989	18	31	which	which	PRON
framr-2989	18	32	resulted	result	VERB
framr-2989	18	33	in	in	ADP
framr-2989	18	34	decreased	decrease	VERB
framr-2989	18	35	profitability	profitability	NOUN
framr-2989	18	36	.	.	PUNCT
framr-2989	19	1	contribution	contribution	NOUN
framr-2989	19	2	/	/	SYM
framr-2989	19	3	originality	originality	NOUN
framr-2989	19	4	:	:	PUNCT
framr-2989	19	5	this	this	DET
framr-2989	19	6	study	study	NOUN
framr-2989	19	7	contributes	contribute	VERB
framr-2989	19	8	to	to	ADP
framr-2989	19	9	the	the	DET
framr-2989	19	10	existing	exist	VERB
framr-2989	19	11	literature	literature	NOUN
framr-2989	19	12	,	,	PUNCT
framr-2989	19	13	is	be	AUX
framr-2989	19	14	useful	useful	ADJ
framr-2989	19	15	in	in	ADP
framr-2989	19	16	science	science	NOUN
framr-2989	19	17	in	in	ADP
framr-2989	19	18	the	the	DET
framr-2989	19	19	banking	banking	NOUN
framr-2989	19	20	sector	sector	NOUN
framr-2989	19	21	about	about	ADP
framr-2989	19	22	banking	banking	NOUN
framr-2989	19	23	performance	performance	NOUN
framr-2989	19	24	and	and	CCONJ
framr-2989	19	25	dividend	dividend	NOUN
framr-2989	19	26	policy	policy	NOUN
framr-2989	19	27	,	,	PUNCT
framr-2989	19	28	especially	especially	ADV
framr-2989	19	29	state	state	NOUN
framr-2989	19	30	owned	own	VERB
framr-2989	19	31	banks	bank	NOUN
framr-2989	19	32	,	,	PUNCT
framr-2989	19	33	after	after	ADP
framr-2989	19	34	2	2	NUM
framr-2989	19	35	years	year	NOUN
framr-2989	19	36	of	of	ADP
framr-2989	19	37	the	the	DET
framr-2989	19	38	covid-19	covid-19	PROPN
framr-2989	19	39	pandemic	pandemic	NOUN
framr-2989	19	40	,	,	PUNCT
framr-2989	19	41	are	be	AUX
framr-2989	19	42	there	there	PRON
framr-2989	19	43	any	any	DET
framr-2989	19	44	differences	difference	NOUN
framr-2989	19	45	in	in	ADP
framr-2989	19	46	performance	performance	NOUN
framr-2989	19	47	and	and	CCONJ
framr-2989	19	48	dividend	dividend	NOUN
framr-2989	19	49	policy	policy	NOUN
framr-2989	19	50	before	before	ADP
framr-2989	19	51	and	and	CCONJ
framr-2989	19	52	after	after	ADP
framr-2989	19	53	the	the	DET
framr-2989	19	54	covid-19	covid-19	PROPN
framr-2989	19	55	pandemic	pandemic	NOUN
framr-2989	19	56	.	.	PUNCT
framr-2989	20	1	although	although	SCONJ
framr-2989	20	2	the	the	DET
framr-2989	20	3	average	average	ADJ
framr-2989	20	4	performance	performance	NOUN
framr-2989	20	5	is	be	AUX
framr-2989	20	6	different	different	ADJ
framr-2989	20	7	,	,	PUNCT
framr-2989	20	8	which	which	PRON
framr-2989	20	9	is	be	AUX
framr-2989	20	10	slightly	slightly	ADV
framr-2989	20	11	decreased	decrease	VERB
framr-2989	20	12	,	,	PUNCT
framr-2989	20	13	the	the	DET
framr-2989	20	14	average	average	ADJ
framr-2989	20	15	dividend	dividend	NOUN
framr-2989	20	16	policy	policy	NOUN
framr-2989	20	17	is	be	AUX
framr-2989	20	18	not	not	PART
framr-2989	20	19	different	different	ADJ
framr-2989	20	20	.	.	PUNCT
framr-2989	21	1	1	1	X
framr-2989	21	2	.	.	X
framr-2989	21	3	introduction	introduction	NOUN
framr-2989	21	4	during	during	ADP
framr-2989	21	5	the	the	DET
framr-2989	21	6	covid-19	covid-19	PROPN
framr-2989	21	7	pandemic	pandemic	NOUN
framr-2989	21	8	,	,	PUNCT
framr-2989	21	9	which	which	PRON
framr-2989	21	10	began	begin	VERB
framr-2989	21	11	to	to	PART
framr-2989	21	12	spread	spread	VERB
framr-2989	21	13	in	in	ADP
framr-2989	21	14	early	early	ADJ
framr-2989	21	15	2020	2020	NUM
framr-2989	21	16	in	in	ADP
framr-2989	21	17	indonesia	indonesia	PROPN
framr-2989	21	18	and	and	CCONJ
framr-2989	21	19	the	the	DET
framr-2989	21	20	policy	policy	NOUN
framr-2989	21	21	of	of	ADP
framr-2989	21	22	restricting	restrict	VERB
framr-2989	21	23	social	social	ADJ
framr-2989	21	24	mobility	mobility	NOUN
framr-2989	21	25	of	of	ADP
framr-2989	21	26	the	the	DET
framr-2989	21	27	people	people	NOUN
framr-2989	21	28	implemented	implement	VERB
framr-2989	21	29	in	in	ADP
framr-2989	21	30	various	various	ADJ
framr-2989	21	31	regions	region	NOUN
framr-2989	21	32	,	,	PUNCT
framr-2989	21	33	the	the	DET
framr-2989	21	34	performance	performance	NOUN
framr-2989	21	35	of	of	ADP
framr-2989	21	36	the	the	DET
framr-2989	21	37	national	national	ADJ
framr-2989	21	38	banking	banking	NOUN
framr-2989	21	39	system	system	NOUN
framr-2989	21	40	was	be	AUX
framr-2989	21	41	depressed	depress	VERB
framr-2989	21	42	,	,	PUNCT
framr-2989	21	43	including	include	VERB
framr-2989	21	44	state	state	NOUN
framr-2989	21	45	owned	own	VERB
framr-2989	21	46	banks	bank	NOUN
framr-2989	21	47	.	.	PUNCT
framr-2989	22	1	the	the	DET
framr-2989	22	2	performance	performance	NOUN
framr-2989	22	3	of	of	ADP
framr-2989	22	4	the	the	DET
framr-2989	22	5	banking	banking	NOUN
framr-2989	22	6	industry	industry	NOUN
framr-2989	22	7	during	during	ADP
framr-2989	22	8	the	the	DET
framr-2989	22	9	covid-19	covid-19	PROPN
framr-2989	22	10	pandemic	pandemic	NOUN
framr-2989	22	11	decreased	decrease	VERB
framr-2989	22	12	slightly	slightly	ADV
framr-2989	22	13	,	,	PUNCT
framr-2989	22	14	but	but	CCONJ
framr-2989	22	15	the	the	DET
framr-2989	22	16	decline	decline	NOUN
framr-2989	22	17	was	be	AUX
framr-2989	22	18	not	not	PART
framr-2989	22	19	as	as	ADV
framr-2989	22	20	severe	severe	ADJ
framr-2989	22	21	as	as	ADP
framr-2989	22	22	compared	compare	VERB
framr-2989	22	23	to	to	ADP
framr-2989	22	24	other	other	ADJ
framr-2989	22	25	industries	industry	NOUN
framr-2989	22	26	such	such	ADJ
framr-2989	22	27	as	as	ADP
framr-2989	22	28	hotels	hotel	NOUN
framr-2989	22	29	,	,	PUNCT
framr-2989	22	30	transportation	transportation	NOUN
framr-2989	22	31	and	and	CCONJ
framr-2989	22	32	others	other	NOUN
framr-2989	22	33	,	,	PUNCT
framr-2989	22	34	considering	consider	VERB
framr-2989	22	35	that	that	SCONJ
framr-2989	22	36	there	there	PRON
framr-2989	22	37	was	be	VERB
framr-2989	22	38	a	a	DET
framr-2989	22	39	restructuring	restructure	VERB
framr-2989	22	40	stimulus	stimulus	NOUN
framr-2989	22	41	for	for	ADP
framr-2989	22	42	msmes	msme	NOUN
framr-2989	22	43	debtors	debtor	NOUN
framr-2989	22	44	affected	affect	VERB
framr-2989	22	45	by	by	ADP
framr-2989	22	46	covid	covid	PROPN
framr-2989	22	47	19	19	NUM
framr-2989	22	48	given	give	VERB
framr-2989	22	49	by	by	ADP
framr-2989	22	50	the	the	DET
framr-2989	22	51	financial	financial	PROPN
framr-2989	22	52	services	services	PROPN
framr-2989	22	53	authority	authority	PROPN
framr-2989	22	54	vide	vide	PROPN
framr-2989	22	55	pojk	pojk	PROPN
framr-2989	23	1	no	no	PRON
framr-2989	23	2	:	:	PUNCT
framr-2989	23	3	11	11	NUM
framr-2989	23	4	/pojk.03/2020	/pojk.03/2020	PUNCT
framr-2989	23	5	dated	date	VERB
framr-2989	23	6	march	march	NOUN
framr-2989	23	7	13	13	NUM
framr-2989	23	8	,	,	PUNCT
framr-2989	23	9	2020	2020	NUM
framr-2989	23	10	regarding	regard	VERB
framr-2989	23	11	national	national	ADJ
framr-2989	23	12	economic	economic	ADJ
framr-2989	23	13	stimulus	stimulus	NOUN
framr-2989	23	14	as	as	ADP
framr-2989	23	15	a	a	DET
framr-2989	23	16	countercyclical	countercyclical	ADJ
framr-2989	23	17	policy	policy	NOUN
framr-2989	23	18	for	for	ADP
framr-2989	23	19	the	the	DET
framr-2989	23	20	impact	impact	NOUN
framr-2989	23	21	of	of	ADP
framr-2989	23	22	the	the	DET
framr-2989	23	23	spread	spread	NOUN
framr-2989	23	24	of	of	ADP
framr-2989	23	25	the	the	DET
framr-2989	23	26	2019	2019	NUM
framr-2989	23	27	coronavirus	coronavirus	NOUN
framr-2989	23	28	disease	disease	NOUN
framr-2989	23	29	and	and	CCONJ
framr-2989	23	30	has	have	AUX
framr-2989	23	31	been	be	AUX
framr-2989	23	32	updated	update	VERB
framr-2989	23	33	with	with	ADP
framr-2989	24	1	pojk	pojk	PROPN
framr-2989	24	2	no	no	DET
framr-2989	24	3	:	:	PUNCT
framr-2989	24	4	48	48	NUM
framr-2989	24	5	/pojk.03/2020	/pojk.03/2020	PUNCT
framr-2989	24	6	dated	date	VERB
framr-2989	24	7	december	december	PROPN
framr-2989	24	8	1	1	NUM
framr-2989	24	9	,	,	PUNCT
framr-2989	24	10	2020	2020	NUM
framr-2989	24	11	and	and	CCONJ
framr-2989	24	12	pojk	pojk	PROPN
framr-2989	24	13	no	no	DET
framr-2989	24	14	:	:	PUNCT
framr-2989	24	15	17	17	NUM
framr-2989	24	16	/	/	SYM
framr-2989	24	17	pojk.03/	pojk.03/	NOUN
framr-2989	24	18	2021	2021	NUM
framr-2989	24	19	on	on	ADP
framr-2989	24	20	september	september	PROPN
framr-2989	24	21	10	10	NUM
framr-2989	24	22	,	,	PUNCT
framr-2989	24	23	2021	2021	NUM
framr-2989	24	24	.	.	PUNCT
framr-2989	25	1	state	state	NOUN
framr-2989	25	2	owned	own	VERB
framr-2989	25	3	banks	bank	NOUN
framr-2989	25	4	,	,	PUNCT
framr-2989	25	5	which	which	PRON
framr-2989	25	6	are	be	AUX
framr-2989	25	7	often	often	ADV
framr-2989	25	8	referred	refer	VERB
framr-2989	25	9	to	to	ADP
framr-2989	25	10	as	as	SCONJ
framr-2989	25	11	government	government	NOUN
framr-2989	25	12	banks	bank	NOUN
framr-2989	25	13	/	/	SYM
framr-2989	25	14	persero	persero	NOUN
framr-2989	25	15	banks	bank	NOUN
framr-2989	25	16	,	,	PUNCT
framr-2989	25	17	consisting	consist	VERB
framr-2989	25	18	of	of	ADP
framr-2989	25	19	bri	bri	NOUN
framr-2989	25	20	,	,	PUNCT
framr-2989	25	21	mandiri	mandiri	PROPN
framr-2989	25	22	,	,	PUNCT
framr-2989	25	23	bni	bni	PROPN
framr-2989	25	24	and	and	CCONJ
framr-2989	25	25	btn	btn	NOUN
framr-2989	25	26	banks	bank	NOUN
framr-2989	25	27	have	have	VERB
framr-2989	25	28	a	a	DET
framr-2989	25	29	very	very	ADV
framr-2989	25	30	important	important	ADJ
framr-2989	25	31	role	role	NOUN
framr-2989	25	32	as	as	ADP
framr-2989	25	33	development	development	NOUN
framr-2989	25	34	agents	agent	NOUN
framr-2989	25	35	in	in	ADP
framr-2989	25	36	order	order	NOUN
framr-2989	25	37	to	to	PART
framr-2989	25	38	improve	improve	VERB
framr-2989	25	39	the	the	DET
framr-2989	25	40	national	national	ADJ
framr-2989	25	41	economy	economy	NOUN
framr-2989	25	42	and	and	CCONJ
framr-2989	25	43	participate	participate	VERB
framr-2989	25	44	in	in	ADP
framr-2989	25	45	maintaining	maintain	VERB
framr-2989	25	46	national	national	ADJ
framr-2989	25	47	stability	stability	NOUN
framr-2989	25	48	(	(	PUNCT
framr-2989	25	49	latumaerissa	latumaerissa	NOUN
framr-2989	25	50	,	,	PUNCT
framr-2989	25	51	2017	2017	NUM
framr-2989	25	52	)	)	PUNCT
framr-2989	25	53	.	.	PUNCT
framr-2989	26	1	the	the	DET
framr-2989	26	2	role	role	NOUN
framr-2989	26	3	of	of	ADP
framr-2989	26	4	state	state	NOUN
framr-2989	26	5	owned	own	VERB
framr-2989	26	6	banks	bank	NOUN
framr-2989	26	7	is	be	AUX
framr-2989	26	8	financial	financial	ADJ
framr-2989	26	9	risk	risk	NOUN
framr-2989	26	10	and	and	CCONJ
framr-2989	26	11	management	management	NOUN
framr-2989	26	12	reviews	review	NOUN
framr-2989	26	13	2022	2022	NUM
framr-2989	26	14	vol	vol	NOUN
framr-2989	26	15	.	.	PROPN
framr-2989	26	16	8	8	NUM
framr-2989	26	17	,	,	PUNCT
framr-2989	26	18	no	no	INTJ
framr-2989	26	19	.	.	NOUN
framr-2989	26	20	1	1	NUM
framr-2989	26	21	,	,	PUNCT
framr-2989	26	22	pp	pp	ADJ
framr-2989	26	23	.	.	PUNCT
framr-2989	27	1	12	12	NUM
framr-2989	27	2	-	-	SYM
framr-2989	27	3	19	19	NUM
framr-2989	27	4	.	.	PUNCT
framr-2989	28	1	issn(e	issn(e	PROPN
framr-2989	28	2	):	):	PUNCT
framr-2989	28	3	2411	2411	NUM
framr-2989	28	4	-	-	SYM
framr-2989	28	5	6408	6408	NUM
framr-2989	28	6	issn(p	issn(p	NUM
framr-2989	28	7	):	):	PUNCT
framr-2989	28	8	2412	2412	NUM
framr-2989	28	9	-	-	SYM
framr-2989	28	10	3404	3404	NUM
framr-2989	28	11	doi	doi	NOUN
framr-2989	28	12	:	:	PUNCT
framr-2989	28	13	10.18488/89.v8i1.2989	10.18488/89.v8i1.2989	PROPN
framr-2989	29	1	©	©	PROPN
framr-2989	29	2	2022	2022	NUM
framr-2989	29	3	conscientia	conscientia	PROPN
framr-2989	29	4	beam	beam	PROPN
framr-2989	29	5	.	.	PUNCT
framr-2989	30	1	all	all	DET
framr-2989	30	2	rights	right	NOUN
framr-2989	30	3	reserved	reserve	VERB
framr-2989	30	4	.	.	PUNCT
framr-2989	31	1	mailto:budiartha121@gmail.com	mailto:budiartha121@gmail.com	X
framr-2989	31	2	mailto:triewidhiastuti@yahoo.com	mailto:triewidhiastuti@yahoo.com	X
framr-2989	32	1	mailto:irvandigustari@yahoo.com	mailto:irvandigustari@yahoo.com	PROPN
framr-2989	32	2	https://www.doi.org/10.18488/89.v8i1.2989	https://www.doi.org/10.18488/89.v8i1.2989	VERB
framr-2989	32	3	financial	financial	ADJ
framr-2989	32	4	risk	risk	NOUN
framr-2989	32	5	and	and	CCONJ
framr-2989	32	6	management	management	NOUN
framr-2989	32	7	reviews	review	NOUN
framr-2989	32	8	,	,	PUNCT
framr-2989	32	9	2022	2022	NUM
framr-2989	32	10	,	,	PUNCT
framr-2989	32	11	8(1	8(1	NOUN
framr-2989	32	12	):	):	PUNCT
framr-2989	32	13	12	12	NUM
framr-2989	32	14	-	-	SYM
framr-2989	32	15	19	19	NUM
framr-2989	32	16	13	13	NUM
framr-2989	32	17	©	©	PROPN
framr-2989	32	18	2022	2022	NUM
framr-2989	32	19	conscientia	conscientia	PROPN
framr-2989	32	20	beam	beam	PROPN
framr-2989	32	21	.	.	PUNCT
framr-2989	33	1	all	all	DET
framr-2989	33	2	rights	right	NOUN
framr-2989	33	3	reserved	reserve	VERB
framr-2989	33	4	.	.	PUNCT
framr-2989	34	1	increasingly	increasingly	ADV
framr-2989	34	2	important	important	ADJ
framr-2989	34	3	and	and	CCONJ
framr-2989	34	4	strategic	strategic	ADJ
framr-2989	34	5	after	after	ADP
framr-2989	34	6	the	the	DET
framr-2989	34	7	covid-19	covid-19	PROPN
framr-2989	34	8	outbreak	outbreak	NOUN
framr-2989	34	9	,	,	PUNCT
framr-2989	34	10	namely	namely	ADV
framr-2989	34	11	as	as	ADP
framr-2989	34	12	a	a	DET
framr-2989	34	13	distributor	distributor	NOUN
framr-2989	34	14	of	of	ADP
framr-2989	34	15	government	government	NOUN
framr-2989	34	16	programs	program	NOUN
framr-2989	34	17	including	include	VERB
framr-2989	34	18	the	the	DET
framr-2989	34	19	distribution	distribution	NOUN
framr-2989	34	20	of	of	ADP
framr-2989	34	21	social	social	ADJ
framr-2989	34	22	assistance	assistance	NOUN
framr-2989	34	23	and	and	CCONJ
framr-2989	34	24	distribution	distribution	NOUN
framr-2989	34	25	of	of	ADP
framr-2989	34	26	people	people	NOUN
framr-2989	34	27	's	's	PART
framr-2989	34	28	business	business	NOUN
framr-2989	34	29	credit	credit	NOUN
framr-2989	34	30	(	(	PUNCT
framr-2989	34	31	kur	kur	NOUN
framr-2989	34	32	)	)	PUNCT
framr-2989	34	33	in	in	ADP
framr-2989	34	34	the	the	DET
framr-2989	34	35	context	context	NOUN
framr-2989	34	36	of	of	ADP
framr-2989	34	37	national	national	ADJ
framr-2989	34	38	economic	economic	ADJ
framr-2989	34	39	recovery	recovery	NOUN
framr-2989	34	40	.	.	PUNCT
framr-2989	35	1	so	so	ADV
framr-2989	35	2	far	far	ADV
framr-2989	35	3	,	,	PUNCT
framr-2989	35	4	the	the	DET
framr-2989	35	5	profits	profit	NOUN
framr-2989	35	6	of	of	ADP
framr-2989	35	7	state	state	NOUN
framr-2989	35	8	owned	own	VERB
framr-2989	35	9	banks	bank	NOUN
framr-2989	35	10	are	be	AUX
framr-2989	35	11	still	still	ADV
framr-2989	35	12	largely	largely	ADV
framr-2989	35	13	supported	support	VERB
framr-2989	35	14	by	by	ADP
framr-2989	35	15	interest	interest	NOUN
framr-2989	35	16	income	income	NOUN
framr-2989	35	17	from	from	ADP
framr-2989	35	18	lending	lend	VERB
framr-2989	35	19	.	.	PUNCT
framr-2989	36	1	for	for	ADP
framr-2989	36	2	this	this	DET
framr-2989	36	3	reason	reason	NOUN
framr-2989	36	4	,	,	PUNCT
framr-2989	36	5	the	the	DET
framr-2989	36	6	provision	provision	NOUN
framr-2989	36	7	of	of	ADP
framr-2989	36	8	sound	sound	ADJ
framr-2989	36	9	credit	credit	NOUN
framr-2989	36	10	based	base	VERB
framr-2989	36	11	on	on	ADP
framr-2989	36	12	prudential	prudential	ADJ
framr-2989	36	13	principles	principle	NOUN
framr-2989	36	14	should	should	AUX
framr-2989	36	15	be	be	AUX
framr-2989	36	16	carried	carry	VERB
framr-2989	36	17	out	out	ADP
framr-2989	36	18	properly	properly	ADV
framr-2989	36	19	(	(	PUNCT
framr-2989	36	20	indonesian	indonesian	ADJ
framr-2989	36	21	bankers	bankers	PROPN
framr-2989	36	22	association	association	PROPN
framr-2989	36	23	,	,	PUNCT
framr-2989	36	24	2018	2018	NUM
framr-2989	36	25	)	)	PUNCT
framr-2989	36	26	.	.	PUNCT
framr-2989	37	1	poor	poor	ADJ
framr-2989	37	2	credit	credit	NOUN
framr-2989	37	3	quality	quality	NOUN
framr-2989	37	4	has	have	VERB
framr-2989	37	5	an	an	DET
framr-2989	37	6	impact	impact	NOUN
framr-2989	37	7	on	on	ADP
framr-2989	37	8	lower	low	ADJ
framr-2989	37	9	loan	loan	NOUN
framr-2989	37	10	productivity	productivity	NOUN
framr-2989	37	11	and	and	CCONJ
framr-2989	37	12	the	the	DET
framr-2989	37	13	amount	amount	NOUN
framr-2989	37	14	of	of	ADP
framr-2989	37	15	loss	loss	NOUN
framr-2989	37	16	reserves	reserve	NOUN
framr-2989	37	17	that	that	PRON
framr-2989	37	18	must	must	AUX
framr-2989	37	19	be	be	AUX
framr-2989	37	20	established	establish	VERB
framr-2989	37	21	.	.	PUNCT
framr-2989	38	1	this	this	PRON
framr-2989	38	2	will	will	AUX
framr-2989	38	3	have	have	VERB
framr-2989	38	4	an	an	DET
framr-2989	38	5	impact	impact	NOUN
framr-2989	38	6	on	on	ADP
framr-2989	38	7	the	the	DET
framr-2989	38	8	decline	decline	NOUN
framr-2989	38	9	in	in	ADP
framr-2989	38	10	profitability	profitability	NOUN
framr-2989	38	11	and	and	CCONJ
framr-2989	38	12	bank	bank	NOUN
framr-2989	38	13	capital	capital	NOUN
framr-2989	38	14	.	.	PUNCT
framr-2989	39	1	in	in	ADP
framr-2989	39	2	2020	2020	NUM
framr-2989	39	3	(	(	PUNCT
framr-2989	39	4	one	one	NUM
framr-2989	39	5	year	year	NOUN
framr-2989	39	6	of	of	ADP
framr-2989	39	7	the	the	DET
framr-2989	39	8	covid-19	covid-19	PROPN
framr-2989	39	9	pandemic	pandemic	NOUN
framr-2989	39	10	)	)	PUNCT
framr-2989	39	11	the	the	DET
framr-2989	39	12	performance	performance	NOUN
framr-2989	39	13	of	of	ADP
framr-2989	39	14	state	state	NOUN
framr-2989	39	15	owned	own	VERB
framr-2989	39	16	banks	bank	NOUN
framr-2989	39	17	experienced	experience	VERB
framr-2989	39	18	a	a	DET
framr-2989	39	19	decline	decline	NOUN
framr-2989	39	20	,	,	PUNCT
framr-2989	39	21	but	but	CCONJ
framr-2989	39	22	as	as	SCONJ
framr-2989	39	23	the	the	DET
framr-2989	39	24	indonesian	indonesian	ADJ
framr-2989	39	25	economy	economy	NOUN
framr-2989	39	26	improved	improve	VERB
framr-2989	39	27	in	in	ADP
framr-2989	39	28	early	early	ADJ
framr-2989	39	29	2021	2021	NUM
framr-2989	39	30	(	(	PUNCT
framr-2989	39	31	although	although	SCONJ
framr-2989	39	32	it	it	PRON
framr-2989	39	33	was	be	AUX
framr-2989	39	34	still	still	ADV
framr-2989	39	35	a	a	DET
framr-2989	39	36	covid-19	covid-19	PROPN
framr-2989	39	37	pandemic	pandemic	NOUN
framr-2989	39	38	)	)	PUNCT
framr-2989	39	39	,	,	PUNCT
framr-2989	39	40	the	the	DET
framr-2989	39	41	performance	performance	NOUN
framr-2989	39	42	of	of	ADP
framr-2989	39	43	state	state	NOUN
framr-2989	39	44	owned	own	VERB
framr-2989	39	45	banks	bank	NOUN
framr-2989	39	46	in	in	ADP
framr-2989	39	47	2021	2021	NUM
framr-2989	39	48	had	have	AUX
framr-2989	39	49	shown	show	VERB
framr-2989	39	50	a	a	DET
framr-2989	39	51	positive	positive	ADJ
framr-2989	39	52	performance	performance	NOUN
framr-2989	39	53	that	that	PRON
framr-2989	39	54	grew	grow	VERB
framr-2989	39	55	well	well	ADV
framr-2989	39	56	especially	especially	ADV
framr-2989	39	57	profitability	profitability	NOUN
framr-2989	39	58	.	.	PUNCT
framr-2989	40	1	the	the	DET
framr-2989	40	2	fluctuations	fluctuation	NOUN
framr-2989	40	3	in	in	ADP
framr-2989	40	4	the	the	DET
framr-2989	40	5	profitability	profitability	NOUN
framr-2989	40	6	of	of	ADP
framr-2989	40	7	state	state	NOUN
framr-2989	40	8	owned	own	VERB
framr-2989	40	9	banks	bank	NOUN
framr-2989	40	10	will	will	AUX
framr-2989	40	11	have	have	VERB
framr-2989	40	12	an	an	DET
framr-2989	40	13	influence	influence	NOUN
framr-2989	40	14	on	on	ADP
framr-2989	40	15	the	the	DET
framr-2989	40	16	company	company	NOUN
framr-2989	40	17	's	's	PART
framr-2989	40	18	dividend	dividend	NOUN
framr-2989	40	19	policy	policy	NOUN
framr-2989	40	20	which	which	PRON
framr-2989	40	21	in	in	ADP
framr-2989	40	22	turn	turn	NOUN
framr-2989	40	23	will	will	AUX
framr-2989	40	24	also	also	ADV
framr-2989	40	25	affect	affect	VERB
framr-2989	40	26	the	the	DET
framr-2989	40	27	development	development	NOUN
framr-2989	40	28	of	of	ADP
framr-2989	40	29	stock	stock	NOUN
framr-2989	40	30	prices	price	NOUN
framr-2989	40	31	/	/	SYM
framr-2989	40	32	market	market	NOUN
framr-2989	40	33	capitalization	capitalization	NOUN
framr-2989	40	34	values	value	NOUN
framr-2989	40	35	of	of	ADP
framr-2989	40	36	the	the	DET
framr-2989	40	37	company	company	NOUN
framr-2989	40	38	.	.	PUNCT
framr-2989	41	1	then	then	ADV
framr-2989	41	2	after	after	ADP
framr-2989	41	3	2	2	NUM
framr-2989	41	4	(	(	PUNCT
framr-2989	41	5	two	two	NUM
framr-2989	41	6	)	)	PUNCT
framr-2989	41	7	years	year	NOUN
framr-2989	41	8	of	of	ADP
framr-2989	41	9	the	the	DET
framr-2989	41	10	covid-19	covid-19	PROPN
framr-2989	41	11	pandemic	pandemic	NOUN
framr-2989	41	12	,	,	PUNCT
framr-2989	41	13	how	how	SCONJ
framr-2989	41	14	is	be	AUX
framr-2989	41	15	the	the	DET
framr-2989	41	16	performance	performance	NOUN
framr-2989	41	17	and	and	CCONJ
framr-2989	41	18	dividend	dividend	NOUN
framr-2989	41	19	policy	policy	NOUN
framr-2989	41	20	,	,	PUNCT
framr-2989	41	21	is	be	AUX
framr-2989	41	22	there	there	PRON
framr-2989	41	23	a	a	DET
framr-2989	41	24	difference	difference	NOUN
framr-2989	41	25	or	or	CCONJ
framr-2989	41	26	not	not	PART
framr-2989	41	27	from	from	ADP
framr-2989	41	28	before	before	ADP
framr-2989	41	29	covid-19	covid-19	PROPN
framr-2989	41	30	.	.	PROPN
framr-2989	42	1	based	base	VERB
framr-2989	42	2	on	on	ADP
framr-2989	42	3	the	the	DET
framr-2989	42	4	description	description	NOUN
framr-2989	42	5	above	above	ADV
framr-2989	42	6	,	,	PUNCT
framr-2989	42	7	the	the	DET
framr-2989	42	8	objectives	objective	NOUN
framr-2989	42	9	of	of	ADP
framr-2989	42	10	this	this	DET
framr-2989	42	11	research	research	NOUN
framr-2989	42	12	are	be	AUX
framr-2989	42	13	:	:	PUNCT
framr-2989	42	14	1	1	X
framr-2989	42	15	.	.	X
framr-2989	42	16	analyzing	analyze	VERB
framr-2989	42	17	whether	whether	SCONJ
framr-2989	42	18	there	there	PRON
framr-2989	42	19	are	be	VERB
framr-2989	42	20	differences	difference	NOUN
framr-2989	42	21	in	in	ADP
framr-2989	42	22	the	the	DET
framr-2989	42	23	performance	performance	NOUN
framr-2989	42	24	of	of	ADP
framr-2989	42	25	state	state	NOUN
framr-2989	42	26	owned	own	VERB
framr-2989	42	27	banks	bank	NOUN
framr-2989	42	28	before	before	ADP
framr-2989	42	29	and	and	CCONJ
framr-2989	42	30	after	after	ADP
framr-2989	42	31	covid-19	covid-19	PROPN
framr-2989	42	32	.	.	PROPN
framr-2989	42	33	2	2	NUM
framr-2989	42	34	.	.	X
framr-2989	42	35	analyzing	analyze	VERB
framr-2989	42	36	whether	whether	SCONJ
framr-2989	42	37	there	there	PRON
framr-2989	42	38	are	be	VERB
framr-2989	42	39	differences	difference	NOUN
framr-2989	42	40	in	in	ADP
framr-2989	42	41	the	the	DET
framr-2989	42	42	dividend	dividend	NOUN
framr-2989	42	43	policy	policy	NOUN
framr-2989	42	44	of	of	ADP
framr-2989	42	45	state	state	NOUN
framr-2989	42	46	owned	own	VERB
framr-2989	42	47	banks	bank	NOUN
framr-2989	42	48	before	before	ADP
framr-2989	42	49	and	and	CCONJ
framr-2989	42	50	after	after	ADP
framr-2989	42	51	the	the	DET
framr-2989	42	52	covid-19	covid-19	PROPN
framr-2989	42	53	.	.	PROPN
framr-2989	42	54	2	2	NUM
framr-2989	42	55	.	.	X
framr-2989	42	56	literature	literature	NOUN
framr-2989	42	57	review	review	VERB
framr-2989	42	58	2.1	2.1	NUM
framr-2989	42	59	.	.	PUNCT
framr-2989	43	1	company	company	NOUN
framr-2989	43	2	performance	performance	NOUN
framr-2989	43	3	2.1.1	2.1.1	NUM
framr-2989	43	4	.	.	PUNCT
framr-2989	44	1	market	market	NOUN
framr-2989	44	2	capitalization	capitalization	NOUN
framr-2989	44	3	according	accord	VERB
framr-2989	44	4	to	to	ADP
framr-2989	44	5	wijaya	wijaya	PROPN
framr-2989	44	6	(	(	PUNCT
framr-2989	44	7	2017	2017	NUM
framr-2989	44	8	)	)	PUNCT
framr-2989	44	9	the	the	DET
framr-2989	44	10	company	company	NOUN
framr-2989	44	11	's	's	PART
framr-2989	44	12	goal	goal	NOUN
framr-2989	44	13	is	be	AUX
framr-2989	44	14	to	to	PART
framr-2989	44	15	maximize	maximize	VERB
framr-2989	44	16	the	the	DET
framr-2989	44	17	company	company	NOUN
framr-2989	44	18	's	's	PART
framr-2989	44	19	wealth	wealth	NOUN
framr-2989	44	20	or	or	CCONJ
framr-2989	44	21	value	value	NOUN
framr-2989	44	22	for	for	ADP
framr-2989	44	23	shareholders	shareholder	NOUN
framr-2989	44	24	.	.	PUNCT
framr-2989	45	1	the	the	DET
framr-2989	45	2	value	value	NOUN
framr-2989	45	3	of	of	ADP
framr-2989	45	4	companies	company	NOUN
framr-2989	45	5	that	that	PRON
framr-2989	45	6	go	go	VERB
framr-2989	45	7	public	public	ADJ
framr-2989	45	8	(	(	PUNCT
framr-2989	45	9	public	public	ADJ
framr-2989	45	10	companies	company	NOUN
framr-2989	45	11	)	)	PUNCT
framr-2989	45	12	is	be	AUX
framr-2989	45	13	reflected	reflect	VERB
framr-2989	45	14	in	in	ADP
framr-2989	45	15	the	the	DET
framr-2989	45	16	market	market	NOUN
framr-2989	45	17	price	price	NOUN
framr-2989	45	18	of	of	ADP
framr-2989	45	19	the	the	DET
framr-2989	45	20	company	company	NOUN
framr-2989	45	21	's	's	PART
framr-2989	45	22	shares	share	NOUN
framr-2989	45	23	(	(	PUNCT
framr-2989	45	24	market	market	NOUN
framr-2989	45	25	capitalization	capitalization	NOUN
framr-2989	45	26	)	)	PUNCT
framr-2989	45	27	.	.	PUNCT
framr-2989	46	1	market	market	NOUN
framr-2989	46	2	capitalization	capitalization	NOUN
framr-2989	46	3	is	be	AUX
framr-2989	46	4	basically	basically	ADV
framr-2989	46	5	the	the	DET
framr-2989	46	6	value	value	NOUN
framr-2989	46	7	of	of	ADP
framr-2989	46	8	shares	share	NOUN
framr-2989	46	9	outstanding	outstanding	ADJ
framr-2989	46	10	in	in	ADP
framr-2989	46	11	the	the	DET
framr-2989	46	12	market	market	NOUN
framr-2989	46	13	,	,	PUNCT
framr-2989	46	14	but	but	CCONJ
framr-2989	46	15	this	this	DET
framr-2989	46	16	market	market	NOUN
framr-2989	46	17	capitalization	capitalization	NOUN
framr-2989	46	18	value	value	NOUN
framr-2989	46	19	can	can	AUX
framr-2989	46	20	not	not	PART
framr-2989	46	21	be	be	AUX
framr-2989	46	22	used	use	VERB
framr-2989	46	23	to	to	PART
framr-2989	46	24	assess	assess	VERB
framr-2989	46	25	how	how	SCONJ
framr-2989	46	26	big	big	ADJ
framr-2989	46	27	the	the	DET
framr-2989	46	28	assets	asset	NOUN
framr-2989	46	29	are	be	AUX
framr-2989	46	30	owned	own	VERB
framr-2989	46	31	by	by	ADP
framr-2989	46	32	the	the	DET
framr-2989	46	33	company	company	NOUN
framr-2989	46	34	.	.	PUNCT
framr-2989	47	1	to	to	PART
framr-2989	47	2	assess	assess	VERB
framr-2989	47	3	market	market	NOUN
framr-2989	47	4	capitalization	capitalization	NOUN
framr-2989	47	5	,	,	PUNCT
framr-2989	47	6	it	it	PRON
framr-2989	47	7	can	can	AUX
framr-2989	47	8	be	be	AUX
framr-2989	47	9	calculated	calculate	VERB
framr-2989	47	10	by	by	ADP
framr-2989	47	11	multiplying	multiply	VERB
framr-2989	47	12	the	the	DET
framr-2989	47	13	share	share	NOUN
framr-2989	47	14	price	price	NOUN
framr-2989	47	15	by	by	ADP
framr-2989	47	16	the	the	DET
framr-2989	47	17	number	number	NOUN
framr-2989	47	18	of	of	ADP
framr-2989	47	19	shares	share	NOUN
framr-2989	47	20	outstanding	outstanding	ADJ
framr-2989	47	21	(	(	PUNCT
framr-2989	47	22	hartono	hartono	NOUN
framr-2989	47	23	,	,	PUNCT
framr-2989	47	24	2016	2016	NUM
framr-2989	47	25	)	)	PUNCT
framr-2989	47	26	.	.	PUNCT
framr-2989	48	1	the	the	DET
framr-2989	48	2	value	value	NOUN
framr-2989	48	3	of	of	ADP
framr-2989	48	4	market	market	NOUN
framr-2989	48	5	capitalization	capitalization	NOUN
framr-2989	48	6	for	for	ADP
framr-2989	48	7	a	a	DET
framr-2989	48	8	company	company	NOUN
framr-2989	48	9	can	can	AUX
framr-2989	48	10	be	be	AUX
framr-2989	48	11	used	use	VERB
framr-2989	48	12	to	to	PART
framr-2989	48	13	show	show	VERB
framr-2989	48	14	how	how	SCONJ
framr-2989	48	15	much	much	ADJ
framr-2989	48	16	the	the	DET
framr-2989	48	17	total	total	ADJ
framr-2989	48	18	value	value	NOUN
framr-2989	48	19	of	of	ADP
framr-2989	48	20	the	the	DET
framr-2989	48	21	company	company	NOUN
framr-2989	48	22	.	.	PUNCT
framr-2989	49	1	as	as	ADP
framr-2989	49	2	a	a	DET
framr-2989	49	3	consideration	consideration	NOUN
framr-2989	49	4	for	for	ADP
framr-2989	49	5	investment	investment	NOUN
framr-2989	49	6	decisions	decision	NOUN
framr-2989	49	7	,	,	PUNCT
framr-2989	49	8	the	the	DET
framr-2989	49	9	value	value	NOUN
framr-2989	49	10	of	of	ADP
framr-2989	49	11	market	market	NOUN
framr-2989	49	12	capitalization	capitalization	NOUN
framr-2989	49	13	provides	provide	VERB
framr-2989	49	14	an	an	DET
framr-2989	49	15	overview	overview	NOUN
framr-2989	49	16	for	for	ADP
framr-2989	49	17	investors	investor	NOUN
framr-2989	49	18	about	about	ADP
framr-2989	49	19	the	the	DET
framr-2989	49	20	strength	strength	NOUN
framr-2989	49	21	of	of	ADP
framr-2989	49	22	the	the	DET
framr-2989	49	23	company	company	NOUN
framr-2989	49	24	as	as	ADV
framr-2989	49	25	well	well	ADV
framr-2989	49	26	as	as	ADP
framr-2989	49	27	encourages	encourage	VERB
framr-2989	49	28	investors	investor	NOUN
framr-2989	49	29	'	'	PART
framr-2989	49	30	interest	interest	NOUN
framr-2989	49	31	to	to	PART
framr-2989	49	32	include	include	VERB
framr-2989	49	33	the	the	DET
framr-2989	49	34	company	company	NOUN
framr-2989	49	35	's	's	PART
framr-2989	49	36	shares	share	NOUN
framr-2989	49	37	in	in	ADP
framr-2989	49	38	their	their	PRON
framr-2989	49	39	portfolio	portfolio	NOUN
framr-2989	49	40	.	.	PUNCT
framr-2989	50	1	2.1.2	2.1.2	X
framr-2989	50	2	.	.	PUNCT
framr-2989	50	3	profitability	profitability	NOUN
framr-2989	50	4	return	return	NOUN
framr-2989	50	5	on	on	ADP
framr-2989	50	6	asset	asset	NOUN
framr-2989	50	7	(	(	PUNCT
framr-2989	50	8	roa	roa	PROPN
framr-2989	50	9	)	)	PUNCT
framr-2989	50	10	.	.	PUNCT
framr-2989	51	1	profitability	profitability	NOUN
framr-2989	51	2	is	be	AUX
framr-2989	51	3	the	the	DET
framr-2989	51	4	company	company	NOUN
framr-2989	51	5	's	's	PART
framr-2989	51	6	ability	ability	NOUN
framr-2989	51	7	to	to	PART
framr-2989	51	8	generate	generate	VERB
framr-2989	51	9	profits	profit	NOUN
framr-2989	51	10	.	.	PUNCT
framr-2989	52	1	profitability	profitability	NOUN
framr-2989	52	2	analysis	analysis	NOUN
framr-2989	52	3	is	be	AUX
framr-2989	52	4	indispensable	indispensable	ADJ
framr-2989	52	5	for	for	ADP
framr-2989	52	6	long	long	ADJ
framr-2989	52	7	term	term	NOUN
framr-2989	52	8	investors	investor	NOUN
framr-2989	52	9	(	(	PUNCT
framr-2989	52	10	hery	hery	NOUN
framr-2989	52	11	,	,	PUNCT
framr-2989	52	12	2019	2019	NUM
framr-2989	52	13	)	)	PUNCT
framr-2989	52	14	.	.	PUNCT
framr-2989	53	1	roa	roa	PROPN
framr-2989	53	2	is	be	AUX
framr-2989	53	3	a	a	DET
framr-2989	53	4	ratio	ratio	NOUN
framr-2989	53	5	used	use	VERB
framr-2989	53	6	to	to	PART
framr-2989	53	7	measure	measure	VERB
framr-2989	53	8	the	the	DET
framr-2989	53	9	performance	performance	NOUN
framr-2989	53	10	of	of	ADP
framr-2989	53	11	banks	bank	NOUN
framr-2989	53	12	in	in	ADP
framr-2989	53	13	managing	manage	VERB
framr-2989	53	14	their	their	PRON
framr-2989	53	15	assets	asset	NOUN
framr-2989	53	16	to	to	PART
framr-2989	53	17	generate	generate	VERB
framr-2989	53	18	profits	profit	NOUN
framr-2989	53	19	(	(	PUNCT
framr-2989	53	20	indonesian	indonesian	ADJ
framr-2989	53	21	bankers	bankers	PROPN
framr-2989	53	22	association	association	PROPN
framr-2989	53	23	,	,	PUNCT
framr-2989	53	24	2016	2016	NUM
framr-2989	53	25	)	)	PUNCT
framr-2989	53	26	.	.	PUNCT
framr-2989	54	1	roa	roa	PROPN
framr-2989	54	2	is	be	AUX
framr-2989	54	3	a	a	DET
framr-2989	54	4	ratio	ratio	NOUN
framr-2989	54	5	that	that	PRON
framr-2989	54	6	shows	show	VERB
framr-2989	54	7	the	the	DET
framr-2989	54	8	effectiveness	effectiveness	NOUN
framr-2989	54	9	of	of	ADP
framr-2989	54	10	a	a	DET
framr-2989	54	11	company	company	NOUN
framr-2989	54	12	or	or	CCONJ
framr-2989	54	13	bank	bank	NOUN
framr-2989	54	14	in	in	ADP
framr-2989	54	15	managing	manage	VERB
framr-2989	54	16	its	its	PRON
framr-2989	54	17	assets	asset	NOUN
framr-2989	54	18	to	to	PART
framr-2989	54	19	earn	earn	VERB
framr-2989	54	20	income	income	NOUN
framr-2989	54	21	for	for	ADP
framr-2989	54	22	the	the	DET
framr-2989	54	23	bank	bank	NOUN
framr-2989	54	24	.	.	PUNCT
framr-2989	55	1	the	the	PRON
framr-2989	55	2	greater	great	ADJ
framr-2989	55	3	this	this	DET
framr-2989	55	4	ratio	ratio	NOUN
framr-2989	55	5	indicates	indicate	VERB
framr-2989	55	6	the	the	DET
framr-2989	55	7	greater	great	ADJ
framr-2989	55	8	the	the	DET
framr-2989	55	9	level	level	NOUN
framr-2989	55	10	of	of	ADP
framr-2989	55	11	effectiveness	effectiveness	NOUN
framr-2989	55	12	of	of	ADP
framr-2989	55	13	the	the	DET
framr-2989	55	14	bank	bank	NOUN
framr-2989	55	15	in	in	ADP
framr-2989	55	16	managing	manage	VERB
framr-2989	55	17	its	its	PRON
framr-2989	55	18	assets	asset	NOUN
framr-2989	55	19	.	.	PUNCT
framr-2989	56	1	net	net	ADJ
framr-2989	56	2	interest	interest	NOUN
framr-2989	56	3	margin	margin	NOUN
framr-2989	56	4	(	(	PUNCT
framr-2989	56	5	nim	nim	NOUN
framr-2989	56	6	)	)	PUNCT
framr-2989	56	7	.	.	PUNCT
framr-2989	57	1	nim	nim	PROPN
framr-2989	57	2	is	be	AUX
framr-2989	57	3	the	the	DET
framr-2989	57	4	ratio	ratio	NOUN
framr-2989	57	5	between	between	ADP
framr-2989	57	6	net	net	ADJ
framr-2989	57	7	interest	interest	NOUN
framr-2989	57	8	income	income	NOUN
framr-2989	57	9	and	and	CCONJ
framr-2989	57	10	average	average	ADJ
framr-2989	57	11	earning	earn	VERB
framr-2989	57	12	assets	asset	NOUN
framr-2989	57	13	.	.	PUNCT
framr-2989	58	1	net	net	ADJ
framr-2989	58	2	interest	interest	NOUN
framr-2989	58	3	income	income	NOUN
framr-2989	58	4	is	be	AUX
framr-2989	58	5	interest	interest	NOUN
framr-2989	58	6	income	income	NOUN
framr-2989	58	7	minus	minus	ADP
framr-2989	58	8	interest	interest	NOUN
framr-2989	58	9	expense	expense	NOUN
framr-2989	58	10	,	,	PUNCT
framr-2989	58	11	while	while	SCONJ
framr-2989	58	12	productive	productive	ADJ
framr-2989	58	13	assets	asset	NOUN
framr-2989	58	14	that	that	PRON
framr-2989	58	15	are	be	AUX
framr-2989	58	16	taken	take	VERB
framr-2989	58	17	into	into	ADP
framr-2989	58	18	account	account	NOUN
framr-2989	58	19	are	be	AUX
framr-2989	58	20	productive	productive	ADJ
framr-2989	58	21	assets	asset	NOUN
framr-2989	58	22	that	that	PRON
framr-2989	58	23	generate	generate	VERB
framr-2989	58	24	interest	interest	NOUN
framr-2989	58	25	(	(	PUNCT
framr-2989	58	26	budisantoso	budisantoso	NOUN
framr-2989	58	27	&	&	CCONJ
framr-2989	58	28	nuritomo	nuritomo	NOUN
framr-2989	58	29	,	,	PUNCT
framr-2989	58	30	2017	2017	NUM
framr-2989	58	31	)	)	PUNCT
framr-2989	58	32	.	.	PUNCT
framr-2989	59	1	operational	operational	ADJ
framr-2989	59	2	costs	cost	NOUN
framr-2989	59	3	to	to	ADP
framr-2989	59	4	operational	operational	ADJ
framr-2989	59	5	income	income	NOUN
framr-2989	59	6	(	(	PUNCT
framr-2989	59	7	ocoi	ocoi	NOUN
framr-2989	59	8	)	)	PUNCT
framr-2989	59	9	.	.	PUNCT
framr-2989	60	1	ocoi	ocoi	NOUN
framr-2989	60	2	is	be	AUX
framr-2989	60	3	the	the	DET
framr-2989	60	4	ratio	ratio	NOUN
framr-2989	60	5	of	of	ADP
framr-2989	60	6	total	total	ADJ
framr-2989	60	7	operating	operating	NOUN
framr-2989	60	8	expenses	expense	NOUN
framr-2989	60	9	to	to	ADP
framr-2989	60	10	operating	operate	VERB
framr-2989	60	11	income	income	NOUN
framr-2989	60	12	.	.	PUNCT
framr-2989	61	1	the	the	DET
framr-2989	61	2	lower	low	ADJ
framr-2989	61	3	one	one	NOUN
framr-2989	61	4	illustrates	illustrate	VERB
framr-2989	61	5	that	that	SCONJ
framr-2989	61	6	the	the	DET
framr-2989	61	7	bank	bank	NOUN
framr-2989	61	8	maximizes	maximize	VERB
framr-2989	61	9	its	its	PRON
framr-2989	61	10	operating	operate	VERB
framr-2989	61	11	income	income	NOUN
framr-2989	61	12	compared	compare	VERB
framr-2989	61	13	to	to	ADP
framr-2989	61	14	its	its	PRON
framr-2989	61	15	relatively	relatively	ADV
framr-2989	61	16	small	small	ADJ
framr-2989	61	17	operational	operational	ADJ
framr-2989	61	18	costs	cost	NOUN
framr-2989	61	19	or	or	CCONJ
framr-2989	61	20	that	that	SCONJ
framr-2989	61	21	the	the	DET
framr-2989	61	22	bank	bank	NOUN
framr-2989	61	23	's	's	PART
framr-2989	61	24	operations	operation	NOUN
framr-2989	61	25	are	be	AUX
framr-2989	61	26	more	more	ADV
framr-2989	61	27	efficient	efficient	ADJ
framr-2989	61	28	(	(	PUNCT
framr-2989	61	29	indonesian	indonesian	ADJ
framr-2989	61	30	bankers	bankers	PROPN
framr-2989	61	31	association	association	PROPN
framr-2989	61	32	,	,	PUNCT
framr-2989	61	33	2016	2016	NUM
framr-2989	61	34	)	)	PUNCT
framr-2989	61	35	to	to	PART
framr-2989	61	36	reduce	reduce	VERB
framr-2989	61	37	financial	financial	ADJ
framr-2989	61	38	risk	risk	NOUN
framr-2989	61	39	and	and	CCONJ
framr-2989	61	40	management	management	NOUN
framr-2989	61	41	reviews	review	NOUN
framr-2989	61	42	,	,	PUNCT
framr-2989	61	43	2022	2022	NUM
framr-2989	61	44	,	,	PUNCT
framr-2989	61	45	8(1	8(1	NOUN
framr-2989	61	46	):	):	PUNCT
framr-2989	61	47	12	12	NUM
framr-2989	61	48	-	-	SYM
framr-2989	61	49	19	19	NUM
framr-2989	61	50	14	14	NUM
framr-2989	61	51	©	©	PROPN
framr-2989	61	52	2022	2022	NUM
framr-2989	61	53	conscientia	conscientia	PROPN
framr-2989	61	54	beam	beam	PROPN
framr-2989	61	55	.	.	PUNCT
framr-2989	62	1	all	all	DET
framr-2989	62	2	rights	right	NOUN
framr-2989	62	3	reserved	reserve	VERB
framr-2989	62	4	.	.	PUNCT
framr-2989	63	1	the	the	DET
framr-2989	63	2	ocoi	ocoi	NOUN
framr-2989	63	3	,	,	PUNCT
framr-2989	63	4	especially	especially	ADV
framr-2989	63	5	during	during	ADP
framr-2989	63	6	the	the	DET
framr-2989	63	7	covid	covid	PROPN
framr-2989	63	8	19	19	NUM
framr-2989	63	9	pandemic	pandemic	ADJ
framr-2989	63	10	,	,	PUNCT
framr-2989	63	11	banks	bank	NOUN
framr-2989	63	12	need	need	VERB
framr-2989	63	13	to	to	PART
framr-2989	63	14	diversify	diversify	VERB
framr-2989	63	15	their	their	PRON
framr-2989	63	16	income	income	NOUN
framr-2989	63	17	,	,	PUNCT
framr-2989	63	18	especially	especially	ADV
framr-2989	63	19	those	those	PRON
framr-2989	63	20	from	from	ADP
framr-2989	63	21	non	non	ADJ
framr-2989	63	22	interest	interest	NOUN
framr-2989	63	23	income	income	NOUN
framr-2989	63	24	(	(	PUNCT
framr-2989	63	25	li	li	PROPN
framr-2989	63	26	,	,	PUNCT
framr-2989	63	27	feng	feng	PROPN
framr-2989	63	28	,	,	PUNCT
framr-2989	63	29	zhao	zhao	PROPN
framr-2989	63	30	,	,	PUNCT
framr-2989	63	31	&	&	CCONJ
framr-2989	63	32	carter	carter	PROPN
framr-2989	63	33	,	,	PUNCT
framr-2989	63	34	2021	2021	NUM
framr-2989	63	35	)	)	PUNCT
framr-2989	63	36	.	.	PUNCT
framr-2989	64	1	banks	bank	NOUN
framr-2989	64	2	should	should	AUX
framr-2989	64	3	also	also	ADV
framr-2989	64	4	maintain	maintain	VERB
framr-2989	64	5	the	the	DET
framr-2989	64	6	quality	quality	NOUN
framr-2989	64	7	of	of	ADP
framr-2989	64	8	the	the	DET
framr-2989	64	9	loans	loan	NOUN
framr-2989	64	10	disbursed	disburse	VERB
framr-2989	64	11	,	,	PUNCT
framr-2989	64	12	so	so	SCONJ
framr-2989	64	13	that	that	SCONJ
framr-2989	64	14	the	the	DET
framr-2989	64	15	provision	provision	NOUN
framr-2989	64	16	for	for	ADP
framr-2989	64	17	losses	loss	NOUN
framr-2989	64	18	can	can	AUX
framr-2989	64	19	be	be	AUX
framr-2989	64	20	controlled	control	VERB
framr-2989	64	21	,	,	PUNCT
framr-2989	64	22	considering	consider	VERB
framr-2989	64	23	that	that	SCONJ
framr-2989	64	24	the	the	DET
framr-2989	64	25	formation	formation	NOUN
framr-2989	64	26	of	of	ADP
framr-2989	64	27	large	large	ADJ
framr-2989	64	28	loss	loss	NOUN
framr-2989	64	29	reserves	reserve	NOUN
framr-2989	64	30	has	have	VERB
framr-2989	64	31	an	an	DET
framr-2989	64	32	effect	effect	NOUN
framr-2989	64	33	on	on	ADP
framr-2989	64	34	increasing	increase	VERB
framr-2989	64	35	operational	operational	ADJ
framr-2989	64	36	costs	cost	NOUN
framr-2989	64	37	(	(	PUNCT
framr-2989	64	38	ocoi	ocoi	NOUN
framr-2989	64	39	)	)	PUNCT
framr-2989	64	40	which	which	PRON
framr-2989	64	41	results	result	VERB
framr-2989	64	42	in	in	ADP
framr-2989	64	43	a	a	DET
framr-2989	64	44	decrease	decrease	NOUN
framr-2989	64	45	in	in	ADP
framr-2989	64	46	bank	bank	NOUN
framr-2989	64	47	profitability	profitability	NOUN
framr-2989	64	48	.	.	PUNCT
framr-2989	65	1	the	the	DET
framr-2989	65	2	increase	increase	NOUN
framr-2989	65	3	in	in	ADP
framr-2989	65	4	ocoi	ocoi	NOUN
framr-2989	65	5	will	will	AUX
framr-2989	65	6	reduce	reduce	VERB
framr-2989	65	7	the	the	DET
framr-2989	65	8	profitability	profitability	NOUN
framr-2989	65	9	of	of	ADP
framr-2989	65	10	topak	topak	NOUN
framr-2989	65	11	and	and	CCONJ
framr-2989	65	12	nimet	nimet	ADJ
framr-2989	65	13	(	(	PUNCT
framr-2989	65	14	2016	2016	NUM
framr-2989	65	15	)	)	PUNCT
framr-2989	65	16	;	;	PUNCT
framr-2989	65	17	hasan	hasan	PROPN
framr-2989	65	18	,	,	PUNCT
framr-2989	65	19	manurung	manurung	PROPN
framr-2989	65	20	,	,	PUNCT
framr-2989	65	21	and	and	CCONJ
framr-2989	65	22	usman	usman	PROPN
framr-2989	65	23	(	(	PUNCT
framr-2989	65	24	2020	2020	NUM
framr-2989	65	25	)	)	PUNCT
framr-2989	65	26	and	and	CCONJ
framr-2989	65	27	karamoy	karamoy	NOUN
framr-2989	65	28	and	and	CCONJ
framr-2989	65	29	joy	joy	NOUN
framr-2989	65	30	(	(	PUNCT
framr-2989	65	31	2020	2020	NUM
framr-2989	65	32	)	)	PUNCT
framr-2989	65	33	.	.	PUNCT
framr-2989	66	1	2.1.3	2.1.3	NUM
framr-2989	66	2	.	.	PUNCT
framr-2989	66	3	credit	credit	NOUN
framr-2989	66	4	quality	quality	NOUN
framr-2989	66	5	non	non	ADJ
framr-2989	66	6	performing	perform	VERB
framr-2989	66	7	loan	loan	NOUN
framr-2989	66	8	(	(	PUNCT
framr-2989	66	9	npl	npl	PROPN
framr-2989	66	10	)	)	PUNCT
framr-2989	66	11	.	.	PUNCT
framr-2989	67	1	non	non	ADJ
framr-2989	67	2	performing	perform	VERB
framr-2989	67	3	loans	loan	NOUN
framr-2989	67	4	in	in	ADP
framr-2989	67	5	the	the	DET
framr-2989	67	6	bank	bank	NOUN
framr-2989	67	7	's	's	PART
framr-2989	67	8	business	business	NOUN
framr-2989	67	9	are	be	AUX
framr-2989	67	10	commonplace	commonplace	ADJ
framr-2989	67	11	,	,	PUNCT
framr-2989	67	12	but	but	CCONJ
framr-2989	67	13	banks	bank	NOUN
framr-2989	67	14	must	must	AUX
framr-2989	67	15	take	take	VERB
framr-2989	67	16	action	action	NOUN
framr-2989	67	17	to	to	PART
framr-2989	67	18	prevent	prevent	VERB
framr-2989	67	19	/	/	SYM
framr-2989	67	20	minimize	minimize	VERB
framr-2989	67	21	the	the	DET
framr-2989	67	22	emergence	emergence	NOUN
framr-2989	67	23	of	of	ADP
framr-2989	67	24	non	non	ADJ
framr-2989	67	25	performing	perform	VERB
framr-2989	67	26	loans	loan	NOUN
framr-2989	67	27	in	in	ADP
framr-2989	67	28	banks	bank	NOUN
framr-2989	67	29	.	.	PUNCT
framr-2989	68	1	so	so	ADV
framr-2989	68	2	far	far	ADV
framr-2989	68	3	,	,	PUNCT
framr-2989	68	4	the	the	DET
framr-2989	68	5	quality	quality	NOUN
framr-2989	68	6	of	of	ADP
framr-2989	68	7	credit	credit	NOUN
framr-2989	68	8	(	(	PUNCT
framr-2989	68	9	non	non	ADJ
framr-2989	68	10	performing	perform	VERB
framr-2989	68	11	loans	loan	NOUN
framr-2989	68	12	)	)	PUNCT
framr-2989	68	13	in	in	ADP
framr-2989	68	14	banks	bank	NOUN
framr-2989	68	15	is	be	AUX
framr-2989	68	16	calculated	calculate	VERB
framr-2989	68	17	based	base	VERB
framr-2989	68	18	on	on	ADP
framr-2989	68	19	the	the	DET
framr-2989	68	20	amount	amount	NOUN
framr-2989	68	21	of	of	ADP
framr-2989	68	22	non	non	ADJ
framr-2989	68	23	performing	perform	VERB
framr-2989	68	24	loan	loan	NOUN
framr-2989	68	25	(	(	PUNCT
framr-2989	68	26	npl	npl	PROPN
framr-2989	68	27	)	)	PUNCT
framr-2989	68	28	,	,	PUNCT
framr-2989	68	29	which	which	PRON
framr-2989	68	30	consists	consist	VERB
framr-2989	68	31	of	of	ADP
framr-2989	68	32	collectibility	collectibility	NOUN
framr-2989	68	33	credit	credit	NOUN
framr-2989	68	34	3	3	NUM
framr-2989	68	35	(	(	PUNCT
framr-2989	68	36	substandard	substandard	NOUN
framr-2989	68	37	)	)	PUNCT
framr-2989	68	38	,	,	PUNCT
framr-2989	68	39	collectibility	collectibility	NOUN
framr-2989	68	40	4	4	NUM
framr-2989	68	41	(	(	PUNCT
framr-2989	68	42	doubtful	doubtful	ADJ
framr-2989	68	43	)	)	PUNCT
framr-2989	68	44	and	and	CCONJ
framr-2989	68	45	collectibility	collectibility	NOUN
framr-2989	68	46	5	5	NUM
framr-2989	68	47	(	(	PUNCT
framr-2989	68	48	bad	bad	ADJ
framr-2989	68	49	)	)	PUNCT
framr-2989	68	50	,	,	PUNCT
framr-2989	68	51	both	both	PRON
framr-2989	68	52	gross	gross	ADJ
framr-2989	68	53	npl	npl	NOUN
framr-2989	68	54	and	and	CCONJ
framr-2989	68	55	net	net	ADJ
framr-2989	68	56	npl	npl	PROPN
framr-2989	68	57	.	.	PUNCT
framr-2989	69	1	after	after	ADP
framr-2989	69	2	deducting	deduct	VERB
framr-2989	69	3	loss	loss	NOUN
framr-2989	69	4	reserves	reserve	NOUN
framr-2989	69	5	(	(	PUNCT
framr-2989	69	6	indonesian	indonesian	ADJ
framr-2989	69	7	bankers	bankers	PROPN
framr-2989	69	8	association	association	PROPN
framr-2989	69	9	,	,	PUNCT
framr-2989	69	10	2016	2016	NUM
framr-2989	69	11	)	)	PUNCT
framr-2989	69	12	and	and	CCONJ
framr-2989	69	13	syafril	syafril	NOUN
framr-2989	69	14	(	(	PUNCT
framr-2989	69	15	2020	2020	NUM
framr-2989	69	16	)	)	PUNCT
framr-2989	69	17	.	.	PUNCT
framr-2989	70	1	loan	loan	NOUN
framr-2989	70	2	at	at	ADP
framr-2989	70	3	risk	risk	NOUN
framr-2989	70	4	(	(	PUNCT
framr-2989	70	5	lar	lar	ADJ
framr-2989	70	6	)	)	PUNCT
framr-2989	70	7	.	.	PUNCT
framr-2989	71	1	lar	lar	PROPN
framr-2989	71	2	is	be	AUX
framr-2989	71	3	the	the	DET
framr-2989	71	4	ratio	ratio	NOUN
framr-2989	71	5	of	of	ADP
framr-2989	71	6	collectibility	collectibility	NOUN
framr-2989	71	7	credits	credit	NOUN
framr-2989	71	8	3	3	NUM
framr-2989	71	9	,	,	PUNCT
framr-2989	71	10	collectibility	collectibility	NOUN
framr-2989	71	11	4	4	NUM
framr-2989	71	12	and	and	CCONJ
framr-2989	71	13	collectibility	collectibility	NOUN
framr-2989	71	14	5	5	NUM
framr-2989	71	15	(	(	PUNCT
framr-2989	71	16	npl	npl	NOUN
framr-2989	71	17	)	)	PUNCT
framr-2989	71	18	plus	plus	CCONJ
framr-2989	71	19	loans	loan	NOUN
framr-2989	71	20	in	in	ADP
framr-2989	71	21	special	special	ADJ
framr-2989	71	22	mention	mention	NOUN
framr-2989	71	23	(	(	PUNCT
framr-2989	71	24	collectibility	collectibility	NOUN
framr-2989	71	25	2	2	NUM
framr-2989	71	26	)	)	PUNCT
framr-2989	71	27	and	and	CCONJ
framr-2989	71	28	current	current	ADJ
framr-2989	71	29	loans	loan	NOUN
framr-2989	71	30	(	(	PUNCT
framr-2989	71	31	collectibility	collectibility	NOUN
framr-2989	71	32	1	1	NUM
framr-2989	71	33	,	,	PUNCT
framr-2989	71	34	but	but	CCONJ
framr-2989	71	35	from	from	ADP
framr-2989	71	36	restructuring	restructure	VERB
framr-2989	71	37	proceeds	proceed	NOUN
framr-2989	71	38	)	)	PUNCT
framr-2989	71	39	to	to	ADP
framr-2989	71	40	total	total	ADJ
framr-2989	71	41	loans	loan	NOUN
framr-2989	71	42	.	.	PUNCT
framr-2989	72	1	restructuring	restructuring	NOUN
framr-2989	72	2	is	be	AUX
framr-2989	72	3	the	the	DET
framr-2989	72	4	loosening	loosening	NOUN
framr-2989	72	5	of	of	ADP
framr-2989	72	6	credit	credit	NOUN
framr-2989	72	7	terms	term	NOUN
framr-2989	72	8	,	,	PUNCT
framr-2989	72	9	such	such	ADJ
framr-2989	72	10	as	as	ADP
framr-2989	72	11	interest	interest	NOUN
framr-2989	72	12	,	,	PUNCT
framr-2989	72	13	term	term	NOUN
framr-2989	72	14	and	and	CCONJ
framr-2989	72	15	others	other	NOUN
framr-2989	72	16	.	.	PUNCT
framr-2989	73	1	in	in	ADP
framr-2989	73	2	accordance	accordance	NOUN
framr-2989	73	3	with	with	ADP
framr-2989	73	4	pojk	pojk	NOUN
framr-2989	73	5	no	no	DET
framr-2989	73	6	:	:	PUNCT
framr-2989	73	7	14	14	NUM
framr-2989	73	8	/	/	SYM
framr-2989	73	9	seojk.03/2017	seojk.03/2017	PROPN
framr-2989	73	10	dated	date	VERB
framr-2989	73	11	march	march	PROPN
framr-2989	73	12	17	17	NUM
framr-2989	73	13	,	,	PUNCT
framr-2989	73	14	2017	2017	NUM
framr-2989	73	15	concerning	concern	VERB
framr-2989	73	16	assessment	assessment	NOUN
framr-2989	73	17	of	of	ADP
framr-2989	73	18	the	the	DET
framr-2989	73	19	soundness	soundness	NOUN
framr-2989	73	20	of	of	ADP
framr-2989	73	21	commercial	commercial	ADJ
framr-2989	73	22	banks	bank	NOUN
framr-2989	73	23	,	,	PUNCT
framr-2989	73	24	the	the	DET
framr-2989	73	25	lar	lar	ADJ
framr-2989	73	26	component	component	NOUN
framr-2989	73	27	is	be	AUX
framr-2989	73	28	often	often	ADV
framr-2989	73	29	referred	refer	VERB
framr-2989	73	30	to	to	ADP
framr-2989	73	31	as	as	ADV
framr-2989	73	32	low	low	ADJ
framr-2989	73	33	quality	quality	NOUN
framr-2989	73	34	credit	credit	NOUN
framr-2989	73	35	.	.	PUNCT
framr-2989	74	1	this	this	DET
framr-2989	74	2	provision	provision	NOUN
framr-2989	74	3	implies	imply	VERB
framr-2989	74	4	that	that	SCONJ
framr-2989	74	5	the	the	DET
framr-2989	74	6	banking	banking	NOUN
framr-2989	74	7	business	business	NOUN
framr-2989	74	8	can	can	AUX
framr-2989	74	9	continue	continue	VERB
framr-2989	74	10	to	to	PART
framr-2989	74	11	run	run	VERB
framr-2989	74	12	and	and	CCONJ
framr-2989	74	13	even	even	ADV
framr-2989	74	14	increase	increase	VERB
framr-2989	74	15	,	,	PUNCT
framr-2989	74	16	then	then	ADV
framr-2989	74	17	the	the	DET
framr-2989	74	18	bank	bank	NOUN
framr-2989	74	19	as	as	ADP
framr-2989	74	20	an	an	DET
framr-2989	74	21	intermediary	intermediary	ADJ
framr-2989	74	22	institution	institution	NOUN
framr-2989	74	23	should	should	AUX
framr-2989	74	24	manage	manage	VERB
framr-2989	74	25	its	its	PRON
framr-2989	74	26	credit	credit	NOUN
framr-2989	74	27	by	by	ADP
framr-2989	74	28	adhering	adhere	VERB
framr-2989	74	29	to	to	ADP
framr-2989	74	30	the	the	DET
framr-2989	74	31	principle	principle	NOUN
framr-2989	74	32	of	of	ADP
framr-2989	74	33	prudence	prudence	NOUN
framr-2989	74	34	.	.	PUNCT
framr-2989	75	1	credit	credit	NOUN
framr-2989	75	2	distribution	distribution	NOUN
framr-2989	75	3	activities	activity	NOUN
framr-2989	75	4	contain	contain	VERB
framr-2989	75	5	risks	risk	NOUN
framr-2989	75	6	that	that	PRON
framr-2989	75	7	can	can	AUX
framr-2989	75	8	affect	affect	VERB
framr-2989	75	9	the	the	DET
framr-2989	75	10	profitability	profitability	NOUN
framr-2989	75	11	,	,	PUNCT
framr-2989	75	12	health	health	NOUN
framr-2989	75	13	and	and	CCONJ
framr-2989	75	14	business	business	NOUN
framr-2989	75	15	continuity	continuity	NOUN
framr-2989	75	16	of	of	ADP
framr-2989	75	17	banks	bank	NOUN
framr-2989	75	18	(	(	PUNCT
framr-2989	75	19	subagio	subagio	NOUN
framr-2989	75	20	,	,	PUNCT
framr-2989	75	21	2015	2015	NUM
framr-2989	75	22	)	)	PUNCT
framr-2989	75	23	.	.	PUNCT
framr-2989	76	1	for	for	ADP
framr-2989	76	2	this	this	DET
framr-2989	76	3	reason	reason	NOUN
framr-2989	76	4	,	,	PUNCT
framr-2989	76	5	banks	bank	NOUN
framr-2989	76	6	must	must	AUX
framr-2989	76	7	manage	manage	VERB
framr-2989	76	8	the	the	DET
framr-2989	76	9	loans	loan	NOUN
framr-2989	76	10	they	they	PRON
framr-2989	76	11	provide	provide	VERB
framr-2989	76	12	in	in	ADP
framr-2989	76	13	a	a	DET
framr-2989	76	14	healthy	healthy	ADJ
framr-2989	76	15	manner	manner	NOUN
framr-2989	76	16	based	base	VERB
framr-2989	76	17	on	on	ADP
framr-2989	76	18	the	the	DET
framr-2989	76	19	principle	principle	NOUN
framr-2989	76	20	of	of	ADP
framr-2989	76	21	prudence	prudence	NOUN
framr-2989	76	22	,	,	PUNCT
framr-2989	76	23	starting	start	VERB
framr-2989	76	24	from	from	ADP
framr-2989	76	25	the	the	DET
framr-2989	76	26	formation	formation	NOUN
framr-2989	76	27	of	of	ADP
framr-2989	76	28	credit	credit	NOUN
framr-2989	76	29	organizations	organization	NOUN
framr-2989	76	30	,	,	PUNCT
framr-2989	76	31	credit	credit	NOUN
framr-2989	76	32	culture	culture	NOUN
framr-2989	76	33	,	,	PUNCT
framr-2989	76	34	credit	credit	NOUN
framr-2989	76	35	products	product	NOUN
framr-2989	76	36	,	,	PUNCT
framr-2989	76	37	credit	credit	NOUN
framr-2989	76	38	processes	process	NOUN
framr-2989	76	39	including	include	VERB
framr-2989	76	40	supervision	supervision	NOUN
framr-2989	76	41	and	and	CCONJ
framr-2989	76	42	monitoring	monitoring	NOUN
framr-2989	76	43	(	(	PUNCT
framr-2989	76	44	indonesian	indonesian	ADJ
framr-2989	76	45	bankers	bankers	PROPN
framr-2989	76	46	association	association	PROPN
framr-2989	76	47	,	,	PUNCT
framr-2989	76	48	2018	2018	NUM
framr-2989	76	49	)	)	PUNCT
framr-2989	76	50	.	.	PUNCT
framr-2989	77	1	2.1.4	2.1.4	NUM
framr-2989	77	2	.	.	PUNCT
framr-2989	77	3	liquidity	liquidity	NOUN
framr-2989	77	4	liquidity	liquidity	NOUN
framr-2989	77	5	is	be	AUX
framr-2989	77	6	a	a	DET
framr-2989	77	7	bank	bank	NOUN
framr-2989	77	8	's	's	PART
framr-2989	77	9	ability	ability	NOUN
framr-2989	77	10	to	to	PART
framr-2989	77	11	meet	meet	VERB
framr-2989	77	12	its	its	PRON
framr-2989	77	13	obligations	obligation	NOUN
framr-2989	77	14	,	,	PUNCT
framr-2989	77	15	especially	especially	ADV
framr-2989	77	16	its	its	PRON
framr-2989	77	17	short	short	ADJ
framr-2989	77	18	term	term	NOUN
framr-2989	77	19	obligations	obligation	NOUN
framr-2989	77	20	.	.	PUNCT
framr-2989	78	1	viewed	view	VERB
framr-2989	78	2	from	from	ADP
framr-2989	78	3	the	the	DET
framr-2989	78	4	asset	asset	NOUN
framr-2989	78	5	side	side	NOUN
framr-2989	78	6	,	,	PUNCT
framr-2989	78	7	liquidity	liquidity	NOUN
framr-2989	78	8	is	be	AUX
framr-2989	78	9	the	the	DET
framr-2989	78	10	ability	ability	NOUN
framr-2989	78	11	to	to	PART
framr-2989	78	12	convert	convert	VERB
framr-2989	78	13	all	all	DET
framr-2989	78	14	assets	asset	NOUN
framr-2989	78	15	into	into	ADP
framr-2989	78	16	cash	cash	NOUN
framr-2989	78	17	,	,	PUNCT
framr-2989	78	18	while	while	SCONJ
framr-2989	78	19	from	from	ADP
framr-2989	78	20	the	the	DET
framr-2989	78	21	liability	liability	NOUN
framr-2989	78	22	side	side	NOUN
framr-2989	78	23	,	,	PUNCT
framr-2989	78	24	liquidity	liquidity	NOUN
framr-2989	78	25	describes	describe	VERB
framr-2989	78	26	the	the	DET
framr-2989	78	27	bank	bank	NOUN
framr-2989	78	28	's	's	PART
framr-2989	78	29	ability	ability	NOUN
framr-2989	78	30	to	to	PART
framr-2989	78	31	meet	meet	VERB
framr-2989	78	32	funding	funding	NOUN
framr-2989	78	33	needs	need	NOUN
framr-2989	78	34	through	through	ADP
framr-2989	78	35	an	an	DET
framr-2989	78	36	increase	increase	NOUN
framr-2989	78	37	in	in	ADP
framr-2989	78	38	the	the	DET
framr-2989	78	39	liability	liability	NOUN
framr-2989	78	40	portfolio	portfolio	NOUN
framr-2989	78	41	.	.	PUNCT
framr-2989	79	1	one	one	NUM
framr-2989	79	2	of	of	ADP
framr-2989	79	3	the	the	DET
framr-2989	79	4	important	important	ADJ
framr-2989	79	5	ratios	ratio	NOUN
framr-2989	79	6	related	relate	VERB
framr-2989	79	7	to	to	ADP
framr-2989	79	8	liquidity	liquidity	NOUN
framr-2989	79	9	is	be	AUX
framr-2989	79	10	the	the	DET
framr-2989	79	11	loan	loan	NOUN
framr-2989	79	12	to	to	PART
framr-2989	79	13	deposit	deposit	VERB
framr-2989	79	14	ratio	ratio	NOUN
framr-2989	79	15	(	(	PUNCT
framr-2989	79	16	ldr	ldr	PROPN
framr-2989	79	17	)	)	PUNCT
framr-2989	79	18	,	,	PUNCT
framr-2989	79	19	which	which	PRON
framr-2989	79	20	is	be	AUX
framr-2989	79	21	the	the	DET
framr-2989	79	22	ratio	ratio	NOUN
framr-2989	79	23	of	of	ADP
framr-2989	79	24	loans	loan	NOUN
framr-2989	79	25	extended	extend	VERB
framr-2989	79	26	to	to	ADP
framr-2989	79	27	third	third	ADJ
framr-2989	79	28	parties	party	NOUN
framr-2989	79	29	in	in	ADP
framr-2989	79	30	rupiah	rupiah	NOUN
framr-2989	79	31	and	and	CCONJ
framr-2989	79	32	foreign	foreign	ADJ
framr-2989	79	33	currencies	currency	NOUN
framr-2989	79	34	,	,	PUNCT
framr-2989	79	35	excluding	exclude	VERB
framr-2989	79	36	loans	loan	NOUN
framr-2989	79	37	to	to	ADP
framr-2989	79	38	other	other	ADJ
framr-2989	79	39	banks	bank	NOUN
framr-2989	79	40	,	,	PUNCT
framr-2989	79	41	to	to	ADP
framr-2989	79	42	third	third	ADJ
framr-2989	79	43	party	party	NOUN
framr-2989	79	44	funds	fund	NOUN
framr-2989	79	45	(	(	PUNCT
framr-2989	79	46	current	current	ADJ
framr-2989	79	47	accounts	account	NOUN
framr-2989	79	48	,	,	PUNCT
framr-2989	79	49	deposits	deposit	NOUN
framr-2989	79	50	and	and	CCONJ
framr-2989	79	51	savings	saving	NOUN
framr-2989	79	52	)	)	PUNCT
framr-2989	79	53	in	in	ADP
framr-2989	79	54	rupiah	rupiah	PROPN
framr-2989	79	55	.	.	PUNCT
framr-2989	80	1	and	and	CCONJ
framr-2989	80	2	foreign	foreign	ADJ
framr-2989	80	3	exchange	exchange	NOUN
framr-2989	80	4	,	,	PUNCT
framr-2989	80	5	excluding	exclude	VERB
framr-2989	80	6	interbank	interbank	NOUN
framr-2989	80	7	funds	fund	NOUN
framr-2989	80	8	(	(	PUNCT
framr-2989	80	9	indonesian	indonesian	PROPN
framr-2989	80	10	bankers	bankers	PROPN
framr-2989	80	11	association	association	PROPN
framr-2989	80	12	,	,	PUNCT
framr-2989	80	13	2016	2016	NUM
framr-2989	80	14	)	)	PUNCT
framr-2989	80	15	.	.	PUNCT
framr-2989	81	1	2.2	2.2	NUM
framr-2989	81	2	.	.	PUNCT
framr-2989	81	3	dividend	dividend	NOUN
framr-2989	81	4	policy	policy	NOUN
framr-2989	81	5	one	one	NUM
framr-2989	81	6	good	good	ADJ
framr-2989	81	7	way	way	NOUN
framr-2989	81	8	to	to	PART
framr-2989	81	9	communicate	communicate	VERB
framr-2989	81	10	a	a	DET
framr-2989	81	11	bank	bank	NOUN
framr-2989	81	12	's	's	PART
framr-2989	81	13	financial	financial	ADJ
framr-2989	81	14	performance	performance	NOUN
framr-2989	81	15	to	to	ADP
framr-2989	81	16	its	its	PRON
framr-2989	81	17	shareholders	shareholder	NOUN
framr-2989	81	18	is	be	AUX
framr-2989	81	19	by	by	ADP
framr-2989	81	20	paying	pay	VERB
framr-2989	81	21	dividends	dividend	NOUN
framr-2989	81	22	.	.	PUNCT
framr-2989	82	1	dividend	dividend	NOUN
framr-2989	82	2	policy	policy	NOUN
framr-2989	82	3	is	be	AUX
framr-2989	82	4	a	a	DET
framr-2989	82	5	decision	decision	NOUN
framr-2989	82	6	whether	whether	SCONJ
framr-2989	82	7	the	the	DET
framr-2989	82	8	profits	profit	NOUN
framr-2989	82	9	earned	earn	VERB
framr-2989	82	10	by	by	ADP
framr-2989	82	11	the	the	DET
framr-2989	82	12	company	company	NOUN
framr-2989	82	13	will	will	AUX
framr-2989	82	14	be	be	AUX
framr-2989	82	15	distributed	distribute	VERB
framr-2989	82	16	to	to	ADP
framr-2989	82	17	shareholders	shareholder	NOUN
framr-2989	82	18	as	as	ADP
framr-2989	82	19	dividends	dividend	NOUN
framr-2989	82	20	or	or	CCONJ
framr-2989	82	21	will	will	AUX
framr-2989	82	22	be	be	AUX
framr-2989	82	23	retained	retain	VERB
framr-2989	82	24	in	in	ADP
framr-2989	82	25	the	the	DET
framr-2989	82	26	form	form	NOUN
framr-2989	82	27	of	of	ADP
framr-2989	82	28	retained	retain	VERB
framr-2989	82	29	earnings	earning	NOUN
framr-2989	82	30	for	for	ADP
framr-2989	82	31	investment	investment	NOUN
framr-2989	82	32	financing	financing	NOUN
framr-2989	82	33	in	in	ADP
framr-2989	82	34	the	the	DET
framr-2989	82	35	future	future	NOUN
framr-2989	82	36	.	.	PUNCT
framr-2989	83	1	if	if	SCONJ
framr-2989	83	2	the	the	DET
framr-2989	83	3	company	company	NOUN
framr-2989	83	4	chooses	choose	VERB
framr-2989	83	5	to	to	PART
framr-2989	83	6	distribute	distribute	VERB
framr-2989	83	7	profits	profit	NOUN
framr-2989	83	8	as	as	ADP
framr-2989	83	9	dividends	dividend	NOUN
framr-2989	83	10	,	,	PUNCT
framr-2989	83	11	it	it	PRON
framr-2989	83	12	will	will	AUX
framr-2989	83	13	reduce	reduce	VERB
framr-2989	83	14	retained	retain	VERB
framr-2989	83	15	earnings	earning	NOUN
framr-2989	83	16	and	and	CCONJ
framr-2989	83	17	further	far	ADV
framr-2989	83	18	reduce	reduce	VERB
framr-2989	83	19	the	the	DET
framr-2989	83	20	total	total	ADJ
framr-2989	83	21	sources	source	NOUN
framr-2989	83	22	of	of	ADP
framr-2989	83	23	internal	internal	ADJ
framr-2989	83	24	funds	fund	NOUN
framr-2989	83	25	or	or	CCONJ
framr-2989	83	26	internal	internal	ADJ
framr-2989	83	27	financing	financing	NOUN
framr-2989	83	28	.	.	PUNCT
framr-2989	84	1	on	on	ADP
framr-2989	84	2	the	the	DET
framr-2989	84	3	other	other	ADJ
framr-2989	84	4	hand	hand	NOUN
framr-2989	84	5	,	,	PUNCT
framr-2989	84	6	if	if	SCONJ
framr-2989	84	7	the	the	DET
framr-2989	84	8	company	company	NOUN
framr-2989	84	9	chooses	choose	VERB
framr-2989	84	10	to	to	PART
framr-2989	84	11	retain	retain	VERB
framr-2989	84	12	the	the	DET
framr-2989	84	13	profits	profit	NOUN
framr-2989	84	14	earned	earn	VERB
framr-2989	84	15	,	,	PUNCT
framr-2989	84	16	the	the	PRON
framr-2989	84	17	greater	great	ADJ
framr-2989	84	18	the	the	DET
framr-2989	84	19	ability	ability	NOUN
framr-2989	84	20	to	to	PART
framr-2989	84	21	form	form	VERB
framr-2989	84	22	internal	internal	ADJ
framr-2989	84	23	funds	fund	NOUN
framr-2989	84	24	.	.	PUNCT
framr-2989	85	1	dividend	dividend	NOUN
framr-2989	85	2	policy	policy	NOUN
framr-2989	85	3	must	must	AUX
framr-2989	85	4	be	be	AUX
framr-2989	85	5	analyzed	analyze	VERB
framr-2989	85	6	in	in	ADP
framr-2989	85	7	relation	relation	NOUN
framr-2989	85	8	to	to	ADP
framr-2989	85	9	spending	spending	NOUN
framr-2989	85	10	decisions	decision	NOUN
framr-2989	85	11	or	or	CCONJ
framr-2989	85	12	determining	determine	VERB
framr-2989	85	13	the	the	DET
framr-2989	85	14	overall	overall	ADJ
framr-2989	85	15	capital	capital	NOUN
framr-2989	85	16	structure	structure	NOUN
framr-2989	85	17	(	(	PUNCT
framr-2989	85	18	sartono	sartono	NOUN
framr-2989	85	19	,	,	PUNCT
framr-2989	85	20	2016	2016	NUM
framr-2989	85	21	)	)	PUNCT
framr-2989	85	22	.	.	PUNCT
framr-2989	86	1	according	accord	VERB
framr-2989	86	2	to	to	ADP
framr-2989	86	3	gumanti	gumanti	PROPN
framr-2989	86	4	(	(	PUNCT
framr-2989	86	5	2013	2013	NUM
framr-2989	86	6	)	)	PUNCT
framr-2989	86	7	stated	state	VERB
framr-2989	86	8	that	that	SCONJ
framr-2989	86	9	dividends	dividend	NOUN
framr-2989	86	10	can	can	AUX
framr-2989	86	11	be	be	AUX
framr-2989	86	12	paid	pay	VERB
framr-2989	86	13	in	in	ADP
framr-2989	86	14	cash	cash	NOUN
framr-2989	86	15	(	(	PUNCT
framr-2989	86	16	cash	cash	NOUN
framr-2989	86	17	dividend	dividend	NOUN
framr-2989	86	18	)	)	PUNCT
framr-2989	86	19	or	or	CCONJ
framr-2989	86	20	in	in	ADP
framr-2989	86	21	the	the	DET
framr-2989	86	22	form	form	NOUN
framr-2989	86	23	of	of	ADP
framr-2989	86	24	additional	additional	ADJ
framr-2989	86	25	shares	share	NOUN
framr-2989	86	26	(	(	PUNCT
framr-2989	86	27	stock	stock	NOUN
framr-2989	86	28	dividend	dividend	NOUN
framr-2989	86	29	)	)	PUNCT
framr-2989	86	30	.	.	PUNCT
framr-2989	87	1	cash	cash	NOUN
framr-2989	87	2	dividends	dividend	NOUN
framr-2989	87	3	are	be	AUX
framr-2989	87	4	often	often	ADV
framr-2989	87	5	referred	refer	VERB
framr-2989	87	6	to	to	ADP
framr-2989	87	7	as	as	ADP
framr-2989	87	8	regular	regular	ADJ
framr-2989	87	9	dividends	dividend	NOUN
framr-2989	87	10	,	,	PUNCT
framr-2989	87	11	which	which	PRON
framr-2989	87	12	are	be	AUX
framr-2989	87	13	usually	usually	ADV
framr-2989	87	14	paid	pay	VERB
framr-2989	87	15	four	four	NUM
framr-2989	87	16	times	time	NOUN
framr-2989	87	17	a	a	DET
framr-2989	87	18	year	year	NOUN
framr-2989	87	19	(	(	PUNCT
framr-2989	87	20	quarterly	quarterly	ADJ
framr-2989	87	21	)	)	PUNCT
framr-2989	87	22	,	,	PUNCT
framr-2989	87	23	twice	twice	DET
framr-2989	87	24	a	a	DET
framr-2989	87	25	year	year	NOUN
framr-2989	87	26	(	(	PUNCT
framr-2989	87	27	mid	mid	NOUN
framr-2989	87	28	-	-	ADJ
framr-2989	87	29	annually	annually	ADV
framr-2989	87	30	)	)	PUNCT
framr-2989	87	31	and	and	CCONJ
framr-2989	87	32	once	once	ADV
framr-2989	87	33	a	a	DET
framr-2989	87	34	year	year	NOUN
framr-2989	87	35	.	.	PUNCT
framr-2989	88	1	there	there	PRON
framr-2989	88	2	are	be	VERB
framr-2989	88	3	times	time	NOUN
framr-2989	88	4	when	when	SCONJ
framr-2989	88	5	companies	company	NOUN
framr-2989	88	6	distribute	distribute	VERB
framr-2989	88	7	special	special	ADJ
framr-2989	88	8	dividends	dividend	NOUN
framr-2989	88	9	,	,	PUNCT
framr-2989	88	10	namely	namely	ADV
framr-2989	88	11	dividends	dividend	NOUN
framr-2989	88	12	paid	pay	VERB
framr-2989	88	13	in	in	ADP
framr-2989	88	14	addition	addition	NOUN
framr-2989	88	15	to	to	ADP
framr-2989	88	16	regular	regular	ADJ
framr-2989	88	17	dividends	dividend	NOUN
framr-2989	88	18	.	.	PUNCT
framr-2989	89	1	one	one	NUM
framr-2989	89	2	measure	measure	NOUN
framr-2989	89	3	of	of	ADP
framr-2989	89	4	dividend	dividend	NOUN
framr-2989	89	5	policy	policy	NOUN
framr-2989	89	6	financial	financial	ADJ
framr-2989	89	7	risk	risk	NOUN
framr-2989	89	8	and	and	CCONJ
framr-2989	89	9	management	management	NOUN
framr-2989	89	10	reviews	review	NOUN
framr-2989	89	11	,	,	PUNCT
framr-2989	89	12	2022	2022	NUM
framr-2989	89	13	,	,	PUNCT
framr-2989	89	14	8(1	8(1	NOUN
framr-2989	89	15	):	):	PUNCT
framr-2989	89	16	12	12	NUM
framr-2989	89	17	-	-	SYM
framr-2989	89	18	19	19	NUM
framr-2989	89	19	15	15	NUM
framr-2989	89	20	©	©	PROPN
framr-2989	89	21	2022	2022	NUM
framr-2989	89	22	conscientia	conscientia	PROPN
framr-2989	89	23	beam	beam	PROPN
framr-2989	89	24	.	.	PUNCT
framr-2989	90	1	all	all	DET
framr-2989	90	2	rights	right	NOUN
framr-2989	90	3	reserved	reserve	VERB
framr-2989	90	4	.	.	PUNCT
framr-2989	90	5	is	be	AUX
framr-2989	90	6	the	the	DET
framr-2989	90	7	dividend	dividend	NOUN
framr-2989	90	8	payout	payout	NOUN
framr-2989	90	9	ratio	ratio	NOUN
framr-2989	90	10	(	(	PUNCT
framr-2989	90	11	dpr	dpr	PROPN
framr-2989	90	12	)	)	PUNCT
framr-2989	90	13	,	,	PUNCT
framr-2989	90	14	which	which	PRON
framr-2989	90	15	is	be	AUX
framr-2989	90	16	the	the	DET
framr-2989	90	17	amount	amount	NOUN
framr-2989	90	18	of	of	ADP
framr-2989	90	19	net	net	ADJ
framr-2989	90	20	income	income	NOUN
framr-2989	90	21	distributed	distribute	VERB
framr-2989	90	22	to	to	ADP
framr-2989	90	23	shareholders	shareholder	NOUN
framr-2989	90	24	.	.	PUNCT
framr-2989	91	1	according	accord	VERB
framr-2989	91	2	to	to	ADP
framr-2989	91	3	the	the	DET
framr-2989	91	4	bird	bird	NOUN
framr-2989	91	5	in	in	ADP
framr-2989	91	6	the	the	DET
framr-2989	91	7	hand	hand	NOUN
framr-2989	91	8	theory	theory	NOUN
framr-2989	91	9	,	,	PUNCT
framr-2989	91	10	investors	investor	NOUN
framr-2989	91	11	prefer	prefer	VERB
framr-2989	91	12	cash	cash	NOUN
framr-2989	91	13	dividends	dividend	NOUN
framr-2989	91	14	rather	rather	ADV
framr-2989	91	15	than	than	ADP
framr-2989	91	16	being	be	AUX
framr-2989	91	17	promised	promise	VERB
framr-2989	91	18	a	a	DET
framr-2989	91	19	return	return	NOUN
framr-2989	91	20	on	on	ADP
framr-2989	91	21	investment	investment	NOUN
framr-2989	91	22	(	(	PUNCT
framr-2989	91	23	capital	capital	NOUN
framr-2989	91	24	gain	gain	NOUN
framr-2989	91	25	)	)	PUNCT
framr-2989	91	26	in	in	ADP
framr-2989	91	27	the	the	DET
framr-2989	91	28	future	future	NOUN
framr-2989	91	29	because	because	SCONJ
framr-2989	91	30	receiving	receive	VERB
framr-2989	91	31	cash	cash	NOUN
framr-2989	91	32	dividends	dividend	NOUN
framr-2989	91	33	is	be	AUX
framr-2989	91	34	a	a	DET
framr-2989	91	35	form	form	NOUN
framr-2989	91	36	of	of	ADP
framr-2989	91	37	certainty	certainty	NOUN
framr-2989	91	38	which	which	PRON
framr-2989	91	39	means	mean	VERB
framr-2989	91	40	reducing	reduce	VERB
framr-2989	91	41	risk	risk	NOUN
framr-2989	91	42	.	.	PUNCT
framr-2989	92	1	this	this	PRON
framr-2989	92	2	is	be	AUX
framr-2989	92	3	in	in	ADP
framr-2989	92	4	accordance	accordance	NOUN
framr-2989	92	5	with	with	ADP
framr-2989	92	6	the	the	DET
framr-2989	92	7	type	type	NOUN
framr-2989	92	8	of	of	ADP
framr-2989	92	9	investor	investor	NOUN
framr-2989	92	10	who	who	PRON
framr-2989	92	11	is	be	AUX
framr-2989	92	12	risk	risk	NOUN
framr-2989	92	13	averse	averse	ADJ
framr-2989	92	14	.	.	PUNCT
framr-2989	93	1	according	accord	VERB
framr-2989	93	2	to	to	ADP
framr-2989	93	3	sartono	sartono	PROPN
framr-2989	93	4	(	(	PUNCT
framr-2989	93	5	2016	2016	NUM
framr-2989	93	6	)	)	PUNCT
framr-2989	93	7	managerial	managerial	ADJ
framr-2989	93	8	considerations	consideration	NOUN
framr-2989	93	9	in	in	ADP
framr-2989	93	10	determining	determine	VERB
framr-2989	93	11	the	the	DET
framr-2989	93	12	dividend	dividend	NOUN
framr-2989	93	13	payout	payout	NOUN
framr-2989	93	14	ratio	ratio	NOUN
framr-2989	93	15	(	(	PUNCT
framr-2989	93	16	dpr	dpr	PROPN
framr-2989	93	17	)	)	PUNCT
framr-2989	93	18	are	be	AUX
framr-2989	93	19	the	the	DET
framr-2989	93	20	company	company	NOUN
framr-2989	93	21	's	's	PART
framr-2989	93	22	fund	fund	NOUN
framr-2989	93	23	needs	need	NOUN
framr-2989	93	24	,	,	PUNCT
framr-2989	93	25	liquidity	liquidity	NOUN
framr-2989	93	26	,	,	PUNCT
framr-2989	93	27	borrowing	borrowing	NOUN
framr-2989	93	28	ability	ability	NOUN
framr-2989	93	29	,	,	PUNCT
framr-2989	93	30	shareholder	shareholder	NOUN
framr-2989	93	31	status	status	NOUN
framr-2989	93	32	and	and	CCONJ
framr-2989	93	33	dividend	dividend	NOUN
framr-2989	93	34	stability	stability	NOUN
framr-2989	93	35	.	.	PUNCT
framr-2989	94	1	according	accord	VERB
framr-2989	94	2	to	to	ADP
framr-2989	94	3	kabbani	kabbani	NOUN
framr-2989	94	4	,	,	PUNCT
framr-2989	94	5	richter	richter	NOUN
framr-2989	94	6	,	,	PUNCT
framr-2989	94	7	and	and	CCONJ
framr-2989	94	8	elbannan	elbannan	X
framr-2989	94	9	(	(	PUNCT
framr-2989	94	10	2020	2020	NUM
framr-2989	94	11	)	)	PUNCT
framr-2989	94	12	that	that	SCONJ
framr-2989	94	13	dividends	dividend	NOUN
framr-2989	94	14	act	act	VERB
framr-2989	94	15	as	as	ADP
framr-2989	94	16	a	a	DET
framr-2989	94	17	signaling	signal	VERB
framr-2989	94	18	tool	tool	NOUN
framr-2989	94	19	to	to	PART
framr-2989	94	20	convey	convey	VERB
framr-2989	94	21	the	the	DET
framr-2989	94	22	bank	bank	NOUN
framr-2989	94	23	's	's	PART
framr-2989	94	24	overall	overall	ADJ
framr-2989	94	25	stability	stability	NOUN
framr-2989	94	26	and	and	CCONJ
framr-2989	94	27	positive	positive	ADJ
framr-2989	94	28	growth	growth	NOUN
framr-2989	94	29	prospects	prospect	NOUN
framr-2989	94	30	.	.	PUNCT
framr-2989	95	1	dividends	dividend	NOUN
framr-2989	95	2	also	also	ADV
framr-2989	95	3	act	act	VERB
framr-2989	95	4	as	as	ADP
framr-2989	95	5	a	a	DET
framr-2989	95	6	control	control	NOUN
framr-2989	95	7	mechanism	mechanism	NOUN
framr-2989	95	8	to	to	PART
framr-2989	95	9	reduce	reduce	VERB
framr-2989	95	10	agency	agency	NOUN
framr-2989	95	11	costs	cost	NOUN
framr-2989	95	12	between	between	ADP
framr-2989	95	13	shareholders	shareholder	NOUN
framr-2989	95	14	and	and	CCONJ
framr-2989	95	15	managers	manager	NOUN
framr-2989	95	16	.	.	PUNCT
framr-2989	96	1	sharma	sharma	PROPN
framr-2989	96	2	(	(	PUNCT
framr-2989	96	3	2018	2018	NUM
framr-2989	96	4	)	)	PUNCT
framr-2989	96	5	states	state	VERB
framr-2989	96	6	that	that	SCONJ
framr-2989	96	7	a	a	DET
framr-2989	96	8	company	company	NOUN
framr-2989	96	9	's	's	PART
framr-2989	96	10	dividend	dividend	NOUN
framr-2989	96	11	decision	decision	NOUN
framr-2989	96	12	can	can	AUX
framr-2989	96	13	be	be	AUX
framr-2989	96	14	seen	see	VERB
framr-2989	96	15	as	as	ADP
framr-2989	96	16	a	a	DET
framr-2989	96	17	source	source	NOUN
framr-2989	96	18	of	of	ADP
framr-2989	96	19	signals	signal	NOUN
framr-2989	96	20	indicating	indicate	VERB
framr-2989	96	21	that	that	SCONJ
framr-2989	96	22	the	the	DET
framr-2989	96	23	company	company	NOUN
framr-2989	96	24	is	be	AUX
framr-2989	96	25	profitable	profitable	ADJ
framr-2989	96	26	with	with	ADP
framr-2989	96	27	good	good	ADJ
framr-2989	96	28	project	project	NOUN
framr-2989	96	29	investments	investment	NOUN
framr-2989	96	30	opportunities	opportunity	NOUN
framr-2989	96	31	will	will	AUX
framr-2989	96	32	pay	pay	VERB
framr-2989	96	33	higher	high	ADJ
framr-2989	96	34	dividends	dividend	NOUN
framr-2989	96	35	to	to	PART
framr-2989	96	36	present	present	VERB
framr-2989	96	37	themselves	themselves	PRON
framr-2989	96	38	differently	differently	ADV
framr-2989	96	39	from	from	ADP
framr-2989	96	40	other	other	ADJ
framr-2989	96	41	companies	company	NOUN
framr-2989	96	42	that	that	PRON
framr-2989	96	43	have	have	VERB
framr-2989	96	44	lower	low	ADJ
framr-2989	96	45	profit	profit	NOUN
framr-2989	96	46	projects	project	NOUN
framr-2989	96	47	.	.	PUNCT
framr-2989	97	1	omar	omar	PROPN
framr-2989	97	2	and	and	CCONJ
framr-2989	97	3	echchabi	echchabi	PROPN
framr-2989	97	4	(	(	PUNCT
framr-2989	97	5	2019	2019	NUM
framr-2989	97	6	)	)	PUNCT
framr-2989	97	7	states	state	VERB
framr-2989	97	8	that	that	SCONJ
framr-2989	97	9	dividend	dividend	NOUN
framr-2989	97	10	payments	payment	NOUN
framr-2989	97	11	are	be	AUX
framr-2989	97	12	used	use	VERB
framr-2989	97	13	as	as	ADP
framr-2989	97	14	the	the	DET
framr-2989	97	15	basis	basis	NOUN
framr-2989	97	16	for	for	ADP
framr-2989	97	17	company	company	NOUN
framr-2989	97	18	valuation	valuation	NOUN
framr-2989	97	19	and	and	CCONJ
framr-2989	97	20	stock	stock	NOUN
framr-2989	97	21	recommendations	recommendation	NOUN
framr-2989	97	22	.	.	PUNCT
framr-2989	98	1	3	3	X
framr-2989	98	2	.	.	X
framr-2989	98	3	research	research	NOUN
framr-2989	98	4	methods	method	NOUN
framr-2989	98	5	the	the	DET
framr-2989	98	6	population	population	NOUN
framr-2989	98	7	in	in	ADP
framr-2989	98	8	this	this	DET
framr-2989	98	9	study	study	NOUN
framr-2989	98	10	is	be	AUX
framr-2989	98	11	state	state	NOUN
framr-2989	98	12	owned	own	VERB
framr-2989	98	13	banks	bank	NOUN
framr-2989	98	14	,	,	PUNCT
framr-2989	98	15	as	as	ADV
framr-2989	98	16	many	many	ADJ
framr-2989	98	17	as	as	ADP
framr-2989	98	18	four	four	NUM
framr-2989	98	19	banks	bank	NOUN
framr-2989	98	20	,	,	PUNCT
framr-2989	98	21	namely	namely	ADV
framr-2989	98	22	bank	bank	NOUN
framr-2989	98	23	bri	bri	NOUN
framr-2989	98	24	,	,	PUNCT
framr-2989	98	25	mandiri	mandiri	PROPN
framr-2989	98	26	,	,	PUNCT
framr-2989	98	27	bni	bni	PROPN
framr-2989	98	28	and	and	CCONJ
framr-2989	98	29	btn	btn	NOUN
framr-2989	98	30	.	.	PUNCT
framr-2989	99	1	the	the	DET
framr-2989	99	2	sample	sample	NOUN
framr-2989	99	3	in	in	ADP
framr-2989	99	4	this	this	DET
framr-2989	99	5	study	study	NOUN
framr-2989	99	6	was	be	AUX
framr-2989	99	7	saturated	saturate	VERB
framr-2989	99	8	sampling	sampling	NOUN
framr-2989	99	9	,	,	PUNCT
framr-2989	99	10	that	that	ADV
framr-2989	99	11	is	is	ADV
framr-2989	99	12	,	,	PUNCT
framr-2989	99	13	all	all	DET
framr-2989	99	14	members	member	NOUN
framr-2989	99	15	of	of	ADP
framr-2989	99	16	the	the	DET
framr-2989	99	17	population	population	NOUN
framr-2989	99	18	were	be	AUX
framr-2989	99	19	used	use	VERB
framr-2989	99	20	as	as	ADP
framr-2989	99	21	samples	sample	NOUN
framr-2989	99	22	.	.	PUNCT
framr-2989	100	1	the	the	DET
framr-2989	100	2	research	research	NOUN
framr-2989	100	3	period	period	NOUN
framr-2989	100	4	is	be	AUX
framr-2989	100	5	for	for	ADP
framr-2989	100	6	4	4	NUM
framr-2989	100	7	(	(	PUNCT
framr-2989	100	8	four	four	NUM
framr-2989	100	9	)	)	PUNCT
framr-2989	100	10	years	year	NOUN
framr-2989	100	11	,	,	PUNCT
framr-2989	100	12	namely	namely	ADV
framr-2989	100	13	2018	2018	NUM
framr-2989	100	14	to	to	ADP
framr-2989	100	15	2021	2021	NUM
framr-2989	100	16	,	,	PUNCT
framr-2989	100	17	namely	namely	ADV
framr-2989	100	18	2	2	NUM
framr-2989	100	19	(	(	PUNCT
framr-2989	100	20	two	two	NUM
framr-2989	100	21	)	)	PUNCT
framr-2989	100	22	years	year	NOUN
framr-2989	100	23	(	(	PUNCT
framr-2989	100	24	2018	2018	NUM
framr-2989	100	25	2019	2019	NUM
framr-2989	100	26	)	)	PUNCT
framr-2989	100	27	before	before	ADP
framr-2989	100	28	covid-19	covid-19	PROPN
framr-2989	100	29	and	and	CCONJ
framr-2989	100	30	2	2	NUM
framr-2989	100	31	(	(	PUNCT
framr-2989	100	32	two	two	NUM
framr-2989	100	33	)	)	PUNCT
framr-2989	100	34	years	year	NOUN
framr-2989	100	35	(	(	PUNCT
framr-2989	100	36	2020	2020	NUM
framr-2989	100	37	2021	2021	NUM
framr-2989	100	38	)	)	PUNCT
framr-2989	100	39	after	after	ADP
framr-2989	100	40	covid-19	covid-19	PROPN
framr-2989	100	41	.	.	PUNCT
framr-2989	101	1	this	this	DET
framr-2989	101	2	study	study	NOUN
framr-2989	101	3	uses	use	VERB
framr-2989	101	4	quantitative	quantitative	ADJ
framr-2989	101	5	analysis	analysis	NOUN
framr-2989	101	6	(	(	PUNCT
framr-2989	101	7	creswell	creswell	PROPN
framr-2989	101	8	&	&	CCONJ
framr-2989	101	9	david	david	PROPN
framr-2989	101	10	,	,	PUNCT
framr-2989	101	11	2018	2018	NUM
framr-2989	101	12	)	)	PUNCT
framr-2989	101	13	.	.	PUNCT
framr-2989	102	1	the	the	DET
framr-2989	102	2	data	datum	NOUN
framr-2989	102	3	used	use	VERB
framr-2989	102	4	is	be	AUX
framr-2989	102	5	secondary	secondary	ADJ
framr-2989	102	6	data	datum	NOUN
framr-2989	102	7	in	in	ADP
framr-2989	102	8	the	the	DET
framr-2989	102	9	form	form	NOUN
framr-2989	102	10	of	of	ADP
framr-2989	102	11	panel	panel	NOUN
framr-2989	102	12	data	datum	NOUN
framr-2989	102	13	which	which	PRON
framr-2989	102	14	has	have	AUX
framr-2989	102	15	been	be	AUX
framr-2989	102	16	documented	document	VERB
framr-2989	102	17	for	for	ADP
framr-2989	102	18	4	4	NUM
framr-2989	102	19	(	(	PUNCT
framr-2989	102	20	four	four	NUM
framr-2989	102	21	)	)	PUNCT
framr-2989	102	22	years	year	NOUN
framr-2989	102	23	on	on	ADP
framr-2989	102	24	a	a	DET
framr-2989	102	25	quarterly	quarterly	ADJ
framr-2989	102	26	basis	basis	NOUN
framr-2989	102	27	.	.	PUNCT
framr-2989	103	1	this	this	DET
framr-2989	103	2	quantitative	quantitative	ADJ
framr-2989	103	3	research	research	NOUN
framr-2989	103	4	is	be	AUX
framr-2989	103	5	used	use	VERB
framr-2989	103	6	to	to	PART
framr-2989	103	7	find	find	VERB
framr-2989	103	8	out	out	ADP
framr-2989	103	9	whether	whether	SCONJ
framr-2989	103	10	there	there	PRON
framr-2989	103	11	are	be	VERB
framr-2989	103	12	differences	difference	NOUN
framr-2989	103	13	in	in	ADP
framr-2989	103	14	the	the	DET
framr-2989	103	15	performance	performance	NOUN
framr-2989	103	16	and	and	CCONJ
framr-2989	103	17	dividend	dividend	NOUN
framr-2989	103	18	policy	policy	NOUN
framr-2989	103	19	of	of	ADP
framr-2989	103	20	state	state	NOUN
framr-2989	103	21	owned	own	VERB
framr-2989	103	22	banks	bank	NOUN
framr-2989	103	23	before	before	ADP
framr-2989	103	24	and	and	CCONJ
framr-2989	103	25	after	after	ADP
framr-2989	103	26	the	the	DET
framr-2989	103	27	covid-19	covid-19	PROPN
framr-2989	103	28	,	,	PUNCT
framr-2989	103	29	using	use	VERB
framr-2989	103	30	the	the	DET
framr-2989	103	31	different	different	ADJ
framr-2989	103	32	test	test	NOUN
framr-2989	103	33	(	(	PUNCT
framr-2989	103	34	t	t	NOUN
framr-2989	103	35	-	-	PUNCT
framr-2989	103	36	test	test	NOUN
framr-2989	103	37	)	)	PUNCT
framr-2989	103	38	with	with	ADP
framr-2989	103	39	spss	spss	PROPN
framr-2989	103	40	(	(	PUNCT
framr-2989	103	41	ghozali	ghozali	PROPN
framr-2989	103	42	,	,	PUNCT
framr-2989	103	43	2018	2018	NUM
framr-2989	103	44	)	)	PUNCT
framr-2989	103	45	.	.	PUNCT
framr-2989	104	1	4	4	X
framr-2989	104	2	.	.	NOUN
framr-2989	104	3	results	result	NOUN
framr-2989	104	4	and	and	CCONJ
framr-2989	104	5	discussion	discussion	NOUN
framr-2989	104	6	4.1	4.1	NUM
framr-2989	104	7	.	.	PUNCT
framr-2989	105	1	description	description	NOUN
framr-2989	105	2	analysis	analysis	NOUN
framr-2989	105	3	descriptive	descriptive	ADJ
framr-2989	105	4	statistics	statistic	NOUN
framr-2989	105	5	are	be	AUX
framr-2989	105	6	used	use	VERB
framr-2989	105	7	to	to	PART
framr-2989	105	8	see	see	VERB
framr-2989	105	9	an	an	DET
framr-2989	105	10	overview	overview	NOUN
framr-2989	105	11	of	of	ADP
framr-2989	105	12	the	the	DET
framr-2989	105	13	data	datum	NOUN
framr-2989	105	14	used	use	VERB
framr-2989	105	15	.	.	PUNCT
framr-2989	106	1	to	to	PART
framr-2989	106	2	obtain	obtain	VERB
framr-2989	106	3	a	a	DET
framr-2989	106	4	comprehensive	comprehensive	ADJ
framr-2989	106	5	picture	picture	NOUN
framr-2989	106	6	of	of	ADP
framr-2989	106	7	the	the	DET
framr-2989	106	8	variables	variable	NOUN
framr-2989	106	9	used	use	VERB
framr-2989	106	10	in	in	ADP
framr-2989	106	11	this	this	DET
framr-2989	106	12	study	study	NOUN
framr-2989	106	13	which	which	PRON
framr-2989	106	14	includes	include	VERB
framr-2989	106	15	the	the	DET
framr-2989	106	16	mean	mean	ADJ
framr-2989	106	17	,	,	PUNCT
framr-2989	106	18	extreme	extreme	ADJ
framr-2989	106	19	values	value	NOUN
framr-2989	106	20	(	(	PUNCT
framr-2989	106	21	maximum	maximum	ADJ
framr-2989	106	22	and	and	CCONJ
framr-2989	106	23	minimum	minimum	ADJ
framr-2989	106	24	values	value	NOUN
framr-2989	106	25	)	)	PUNCT
framr-2989	106	26	and	and	CCONJ
framr-2989	106	27	their	their	PRON
framr-2989	106	28	standard	standard	ADJ
framr-2989	106	29	deviations	deviation	NOUN
framr-2989	106	30	.	.	PUNCT
framr-2989	107	1	the	the	DET
framr-2989	107	2	results	result	NOUN
framr-2989	107	3	of	of	ADP
framr-2989	107	4	descriptive	descriptive	ADJ
framr-2989	107	5	statistical	statistical	ADJ
framr-2989	107	6	tests	test	NOUN
framr-2989	107	7	on	on	ADP
framr-2989	107	8	the	the	DET
framr-2989	107	9	variables	variable	NOUN
framr-2989	107	10	used	use	VERB
framr-2989	107	11	are	be	AUX
framr-2989	107	12	presented	present	VERB
framr-2989	107	13	in	in	ADP
framr-2989	107	14	table	table	NOUN
framr-2989	107	15	1	1	NUM
framr-2989	107	16	.	.	PUNCT
framr-2989	107	17	table	table	NOUN
framr-2989	107	18	1	1	NUM
framr-2989	107	19	.	.	PUNCT
framr-2989	107	20	descriptive	descriptive	ADJ
framr-2989	107	21	statistics	statistic	NOUN
framr-2989	107	22	.	.	PUNCT
framr-2989	108	1	variable	variable	ADJ
framr-2989	108	2	n	n	CCONJ
framr-2989	108	3	minimum	minimum	ADJ
framr-2989	108	4	maximum	maximum	ADJ
framr-2989	108	5	mean	mean	ADJ
framr-2989	108	6	std	std	NOUN
framr-2989	108	7	.	.	PUNCT
framr-2989	108	8	deviation	deviation	NOUN
framr-2989	108	9	market	market	NOUN
framr-2989	108	10	capitalization	capitalization	NOUN
framr-2989	108	11	64	64	NUM
framr-2989	108	12	8.90	8.90	NUM
framr-2989	108	13	616.68	616.68	NUM
framr-2989	108	14	229.80	229.80	NUM
framr-2989	108	15	180.29	180.29	NUM
framr-2989	108	16	roa	roa	NOUN
framr-2989	108	17	64	64	NUM
framr-2989	108	18	0.13	0.13	NUM
framr-2989	108	19	3.68	3.68	NUM
framr-2989	108	20	2.11	2.11	NUM
framr-2989	108	21	1.01	1.01	NUM
framr-2989	108	22	nim	nim	NOUN
framr-2989	108	23	64	64	NUM
framr-2989	108	24	3.06	3.06	NUM
framr-2989	108	25	7.64	7.64	NUM
framr-2989	108	26	5.13	5.13	NUM
framr-2989	108	27	1.26	1.26	NUM
framr-2989	108	28	npl	npl	NOUN
framr-2989	108	29	64	64	NUM
framr-2989	108	30	1.75	1.75	NUM
framr-2989	108	31	4.91	4.91	NUM
framr-2989	108	32	3.08	3.08	NUM
framr-2989	108	33	0.77	0.77	NUM
framr-2989	108	34	lar	lar	NOUN
framr-2989	108	35	64	64	NUM
framr-2989	108	36	7.88	7.88	NUM
framr-2989	108	37	34.11	34.11	NUM
framr-2989	108	38	18.35	18.35	NUM
framr-2989	108	39	8.37	8.37	NUM
framr-2989	108	40	ocoi	ocoi	NOUN
framr-2989	108	41	64	64	NUM
framr-2989	108	42	63.01	63.01	NUM
framr-2989	108	43	98.12	98.12	NUM
framr-2989	108	44	77.57	77.57	NUM
framr-2989	108	45	9.39	9.39	NUM
framr-2989	108	46	ldr	ldr	NOUN
framr-2989	108	47	64	64	NUM
framr-2989	108	48	79.71	79.71	NUM
framr-2989	108	49	114.24	114.24	NUM
framr-2989	108	50	92.52	92.52	NUM
framr-2989	108	51	8.93	8.93	NUM
framr-2989	108	52	dpr	dpr	NOUN
framr-2989	108	53	64	64	NUM
framr-2989	108	54	0.00	0.00	NUM
framr-2989	108	55	85.00	85.00	NUM
framr-2989	108	56	39.06	39.06	NUM
framr-2989	108	57	23.99	23.99	NUM
framr-2989	108	58	valid	valid	ADJ
framr-2989	108	59	n	n	CCONJ
framr-2989	108	60	(	(	PUNCT
framr-2989	108	61	listwise	listwise	PROPN
framr-2989	108	62	)	)	PUNCT
framr-2989	108	63	64	64	NUM
framr-2989	108	64	4.1.1	4.1.1	NUM
framr-2989	108	65	.	.	PUNCT
framr-2989	109	1	market	market	NOUN
framr-2989	109	2	capitalization	capitalization	NOUN
framr-2989	109	3	the	the	DET
framr-2989	109	4	average	average	ADJ
framr-2989	109	5	market	market	NOUN
framr-2989	109	6	capitalization	capitalization	NOUN
framr-2989	109	7	of	of	ADP
framr-2989	109	8	state	state	NOUN
framr-2989	109	9	-	-	PUNCT
framr-2989	109	10	owned	own	VERB
framr-2989	109	11	banks	bank	NOUN
framr-2989	109	12	is	be	AUX
framr-2989	109	13	idr	idr	VERB
framr-2989	109	14	229.80	229.80	NUM
framr-2989	109	15	trillion	trillion	NUM
framr-2989	109	16	.	.	PUNCT
framr-2989	110	1	the	the	DET
framr-2989	110	2	market	market	NOUN
framr-2989	110	3	capitalization	capitalization	NOUN
framr-2989	110	4	of	of	ADP
framr-2989	110	5	state	state	NOUN
framr-2989	110	6	owned	own	VERB
framr-2989	110	7	banks	bank	NOUN
framr-2989	110	8	is	be	AUX
framr-2989	110	9	a	a	DET
framr-2989	110	10	market	market	NOUN
framr-2989	110	11	driven	drive	VERB
framr-2989	110	12	capital	capital	NOUN
framr-2989	110	13	market	market	NOUN
framr-2989	110	14	on	on	ADP
framr-2989	110	15	the	the	DET
framr-2989	110	16	indonesia	indonesia	PROPN
framr-2989	110	17	stock	stock	PROPN
framr-2989	110	18	exchange	exchange	PROPN
framr-2989	110	19	,	,	PUNCT
framr-2989	110	20	where	where	SCONJ
framr-2989	110	21	state	state	NOUN
framr-2989	110	22	owned	own	VERB
framr-2989	110	23	banks	bank	NOUN
framr-2989	110	24	'	'	PART
framr-2989	110	25	shares	share	NOUN
framr-2989	110	26	are	be	AUX
framr-2989	110	27	blue	blue	ADJ
framr-2989	110	28	chip	chip	NOUN
framr-2989	110	29	stocks	stock	NOUN
framr-2989	110	30	that	that	PRON
framr-2989	110	31	are	be	AUX
framr-2989	110	32	actively	actively	ADV
framr-2989	110	33	traded	trade	VERB
framr-2989	110	34	.	.	PUNCT
framr-2989	111	1	the	the	DET
framr-2989	111	2	maximum	maximum	ADJ
framr-2989	111	3	value	value	NOUN
framr-2989	111	4	of	of	ADP
framr-2989	111	5	the	the	DET
framr-2989	111	6	market	market	NOUN
framr-2989	111	7	capitalization	capitalization	NOUN
framr-2989	111	8	variable	variable	NOUN
framr-2989	111	9	is	be	AUX
framr-2989	111	10	idr	idr	PROPN
framr-2989	111	11	616.68	616.68	NUM
framr-2989	111	12	trillion	trillion	NUM
framr-2989	111	13	,	,	PUNCT
framr-2989	111	14	owned	own	VERB
framr-2989	111	15	by	by	ADP
framr-2989	111	16	bank	bank	PROPN
framr-2989	111	17	bri	bri	NOUN
framr-2989	111	18	in	in	ADP
framr-2989	111	19	q4	q4	PROPN
framr-2989	111	20	/	/	SYM
framr-2989	111	21	2021	2021	NUM
framr-2989	111	22	,	,	PUNCT
framr-2989	111	23	while	while	SCONJ
framr-2989	111	24	the	the	DET
framr-2989	111	25	minimum	minimum	ADJ
framr-2989	111	26	value	value	NOUN
framr-2989	111	27	of	of	ADP
framr-2989	111	28	the	the	DET
framr-2989	111	29	market	market	NOUN
framr-2989	111	30	capitalization	capitalization	NOUN
framr-2989	111	31	variable	variable	NOUN
framr-2989	111	32	is	be	AUX
framr-2989	111	33	owned	own	VERB
framr-2989	111	34	by	by	ADP
framr-2989	111	35	bank	bank	PROPN
framr-2989	111	36	btn	btn	NOUN
framr-2989	111	37	of	of	ADP
framr-2989	111	38	idr	idr	PROPN
framr-2989	111	39	8.90	8.90	NUM
framr-2989	111	40	trillion	trillion	NUM
framr-2989	111	41	in	in	ADP
framr-2989	111	42	q1/2020	q1/2020	NUM
framr-2989	111	43	.	.	PUNCT
framr-2989	112	1	bank	bank	NOUN
framr-2989	112	2	btn	btn	NOUN
framr-2989	112	3	's	's	PART
framr-2989	112	4	market	market	NOUN
framr-2989	112	5	capitalization	capitalization	NOUN
framr-2989	112	6	fell	fall	VERB
framr-2989	112	7	drastically	drastically	ADV
framr-2989	112	8	in	in	ADP
framr-2989	112	9	q1/2020	q1/2020	ADP
framr-2989	112	10	financial	financial	ADJ
framr-2989	112	11	risk	risk	NOUN
framr-2989	112	12	and	and	CCONJ
framr-2989	112	13	management	management	NOUN
framr-2989	112	14	reviews	review	NOUN
framr-2989	112	15	,	,	PUNCT
framr-2989	112	16	2022	2022	NUM
framr-2989	112	17	,	,	PUNCT
framr-2989	112	18	8(1	8(1	NOUN
framr-2989	112	19	):	):	PUNCT
framr-2989	112	20	12	12	NUM
framr-2989	112	21	-	-	SYM
framr-2989	112	22	19	19	NUM
framr-2989	112	23	16	16	NUM
framr-2989	112	24	©	©	PROPN
framr-2989	112	25	2022	2022	NUM
framr-2989	112	26	conscientia	conscientia	PROPN
framr-2989	112	27	beam	beam	PROPN
framr-2989	112	28	.	.	PUNCT
framr-2989	113	1	all	all	DET
framr-2989	113	2	rights	right	NOUN
framr-2989	113	3	reserved	reserve	VERB
framr-2989	113	4	.	.	PUNCT
framr-2989	114	1	when	when	SCONJ
framr-2989	114	2	compared	compare	VERB
framr-2989	114	3	to	to	ADP
framr-2989	114	4	its	its	PRON
framr-2989	114	5	market	market	NOUN
framr-2989	114	6	capitalization	capitalization	NOUN
framr-2989	114	7	at	at	ADP
framr-2989	114	8	the	the	DET
framr-2989	114	9	end	end	NOUN
framr-2989	114	10	of	of	ADP
framr-2989	114	11	2019	2019	NUM
framr-2989	114	12	of	of	ADP
framr-2989	114	13	idr	idr	PROPN
framr-2989	114	14	22.45	22.45	NUM
framr-2989	114	15	trillion	trillion	NUM
framr-2989	114	16	.	.	PUNCT
framr-2989	115	1	this	this	PRON
framr-2989	115	2	is	be	AUX
framr-2989	115	3	due	due	ADJ
framr-2989	115	4	to	to	ADP
framr-2989	115	5	the	the	DET
framr-2989	115	6	very	very	ADV
framr-2989	115	7	small	small	ADJ
framr-2989	115	8	profit	profit	NOUN
framr-2989	115	9	in	in	ADP
framr-2989	115	10	2019	2019	NUM
framr-2989	115	11	which	which	PRON
framr-2989	115	12	was	be	AUX
framr-2989	115	13	only	only	ADV
framr-2989	115	14	idr	idr	VERB
framr-2989	115	15	209	209	NUM
framr-2989	115	16	billion	billion	NUM
framr-2989	115	17	,	,	PUNCT
framr-2989	115	18	due	due	ADP
framr-2989	115	19	to	to	ADP
framr-2989	115	20	high	high	ADJ
framr-2989	115	21	npl	npl	NOUN
framr-2989	115	22	and	and	CCONJ
framr-2989	115	23	lar	lar	ADJ
framr-2989	115	24	pressures	pressure	NOUN
framr-2989	115	25	and	and	CCONJ
framr-2989	115	26	the	the	DET
framr-2989	115	27	influence	influence	NOUN
framr-2989	115	28	of	of	ADP
framr-2989	115	29	the	the	DET
framr-2989	115	30	covid19	covid19	NOUN
framr-2989	115	31	pandemic	pandemic	ADJ
framr-2989	115	32	.	.	PUNCT
framr-2989	116	1	bank	bank	PROPN
framr-2989	116	2	btn	btn	PROPN
framr-2989	116	3	's	's	PART
framr-2989	116	4	npl	npl	NOUN
framr-2989	116	5	in	in	ADP
framr-2989	116	6	december	december	PROPN
framr-2989	116	7	2019	2019	NUM
framr-2989	116	8	was	be	AUX
framr-2989	116	9	4,73	4,73	NUM
framr-2989	116	10	%	%	NOUN
framr-2989	116	11	and	and	CCONJ
framr-2989	116	12	the	the	DET
framr-2989	116	13	lar	lar	NOUN
framr-2989	116	14	of	of	ADP
framr-2989	116	15	18.91	18.91	NUM
framr-2989	116	16	%	%	NOUN
framr-2989	116	17	and	and	CCONJ
framr-2989	116	18	in	in	ADP
framr-2989	116	19	q1/2020	q1/2020	NUM
framr-2989	116	20	the	the	DET
framr-2989	116	21	npl	npl	NOUN
framr-2989	116	22	still	still	ADV
framr-2989	116	23	rose	rise	VERB
framr-2989	116	24	close	close	ADV
framr-2989	116	25	to	to	ADP
framr-2989	116	26	5	5	NUM
framr-2989	116	27	%	%	NOUN
framr-2989	116	28	,	,	PUNCT
framr-2989	116	29	namely	namely	ADV
framr-2989	116	30	4.91	4.91	NUM
framr-2989	116	31	%	%	NOUN
framr-2989	116	32	and	and	CCONJ
framr-2989	116	33	the	the	DET
framr-2989	116	34	lar	lar	NOUN
framr-2989	116	35	also	also	ADV
framr-2989	116	36	increased	increase	VERB
framr-2989	116	37	to	to	ADP
framr-2989	116	38	22.44	22.44	NUM
framr-2989	116	39	%	%	NOUN
framr-2989	116	40	.	.	PUNCT
framr-2989	117	1	the	the	DET
framr-2989	117	2	increase	increase	NOUN
framr-2989	117	3	in	in	ADP
framr-2989	117	4	npl	npl	PROPN
framr-2989	117	5	and	and	CCONJ
framr-2989	117	6	lar	lar	PROPN
framr-2989	117	7	will	will	AUX
framr-2989	117	8	increase	increase	VERB
framr-2989	117	9	the	the	DET
framr-2989	117	10	loss	loss	NOUN
framr-2989	117	11	reserve	reserve	NOUN
framr-2989	117	12	that	that	PRON
framr-2989	117	13	must	must	AUX
framr-2989	117	14	be	be	AUX
framr-2989	117	15	formed	form	VERB
framr-2989	117	16	.	.	PUNCT
framr-2989	118	1	the	the	DET
framr-2989	118	2	high	high	ADJ
framr-2989	118	3	npl	npl	NOUN
framr-2989	118	4	and	and	CCONJ
framr-2989	118	5	lar	lar	PROPN
framr-2989	118	6	became	become	VERB
framr-2989	118	7	a	a	DET
framr-2989	118	8	signal	signal	NOUN
framr-2989	118	9	for	for	SCONJ
framr-2989	118	10	investors	investor	NOUN
framr-2989	118	11	to	to	PART
framr-2989	118	12	release	release	VERB
framr-2989	118	13	bank	bank	NOUN
framr-2989	118	14	btn	btn	NOUN
framr-2989	118	15	shares	share	NOUN
framr-2989	118	16	so	so	SCONJ
framr-2989	118	17	that	that	SCONJ
framr-2989	118	18	the	the	DET
framr-2989	118	19	share	share	NOUN
framr-2989	118	20	price	price	NOUN
framr-2989	118	21	fell	fall	VERB
framr-2989	118	22	quite	quite	ADV
framr-2989	118	23	drastically	drastically	ADV
framr-2989	118	24	from	from	ADP
framr-2989	118	25	idr	idr	PROPN
framr-2989	118	26	2,120	2,120	NUM
framr-2989	118	27	per	per	ADP
framr-2989	118	28	share	share	NOUN
framr-2989	118	29	to	to	PART
framr-2989	118	30	idr	idr	VERB
framr-2989	118	31	840	840	NUM
framr-2989	118	32	per	per	ADP
framr-2989	118	33	share	share	NOUN
framr-2989	118	34	.	.	PUNCT
framr-2989	119	1	4.1.2	4.1.2	X
framr-2989	119	2	.	.	PUNCT
framr-2989	119	3	profitability	profitability	NOUN
framr-2989	119	4	return	return	NOUN
framr-2989	119	5	on	on	ADP
framr-2989	119	6	asset	asset	NOUN
framr-2989	119	7	(	(	PUNCT
framr-2989	119	8	roa	roa	PROPN
framr-2989	119	9	)	)	PUNCT
framr-2989	119	10	.	.	PUNCT
framr-2989	120	1	the	the	DET
framr-2989	120	2	average	average	ADJ
framr-2989	120	3	roa	roa	NOUN
framr-2989	120	4	of	of	ADP
framr-2989	120	5	state	state	NOUN
framr-2989	120	6	owned	own	VERB
framr-2989	120	7	banks	bank	NOUN
framr-2989	120	8	is	be	AUX
framr-2989	120	9	2.11	2.11	NUM
framr-2989	120	10	%	%	NOUN
framr-2989	120	11	,	,	PUNCT
framr-2989	120	12	very	very	ADV
framr-2989	120	13	good	good	ADJ
framr-2989	120	14	.	.	PUNCT
framr-2989	121	1	this	this	PRON
framr-2989	121	2	shows	show	VERB
framr-2989	121	3	that	that	SCONJ
framr-2989	121	4	state	state	NOUN
framr-2989	121	5	owned	own	VERB
framr-2989	121	6	banks	bank	NOUN
framr-2989	121	7	are	be	AUX
framr-2989	121	8	able	able	ADJ
framr-2989	121	9	to	to	PART
framr-2989	121	10	manage	manage	VERB
framr-2989	121	11	their	their	PRON
framr-2989	121	12	assets	asset	NOUN
framr-2989	121	13	to	to	PART
framr-2989	121	14	generate	generate	VERB
framr-2989	121	15	profits	profit	NOUN
framr-2989	121	16	properly	properly	ADV
framr-2989	121	17	.	.	PUNCT
framr-2989	122	1	the	the	DET
framr-2989	122	2	maximum	maximum	PROPN
framr-2989	122	3	roa	roa	PROPN
framr-2989	122	4	variable	variable	NOUN
framr-2989	122	5	of	of	ADP
framr-2989	122	6	3.68	3.68	NUM
framr-2989	122	7	%	%	NOUN
framr-2989	122	8	is	be	AUX
framr-2989	122	9	owned	own	VERB
framr-2989	122	10	by	by	ADP
framr-2989	122	11	bank	bank	PROPN
framr-2989	122	12	bri	bri	NOUN
framr-2989	122	13	in	in	ADP
framr-2989	122	14	q4/2018	q4/2018	NOUN
framr-2989	122	15	,	,	PUNCT
framr-2989	122	16	while	while	SCONJ
framr-2989	122	17	the	the	DET
framr-2989	122	18	minimum	minimum	ADJ
framr-2989	122	19	value	value	NOUN
framr-2989	122	20	of	of	ADP
framr-2989	122	21	the	the	DET
framr-2989	122	22	roa	roa	NOUN
framr-2989	122	23	variable	variable	NOUN
framr-2989	122	24	is	be	AUX
framr-2989	122	25	0.13	0.13	NUM
framr-2989	122	26	%	%	NOUN
framr-2989	122	27	owned	own	VERB
framr-2989	122	28	by	by	ADP
framr-2989	122	29	bank	bank	NOUN
framr-2989	122	30	btn	btn	NOUN
framr-2989	122	31	in	in	ADP
framr-2989	122	32	q4/2019	q4/2019	PROPN
framr-2989	122	33	.	.	PUNCT
framr-2989	123	1	net	net	ADJ
framr-2989	123	2	interest	interest	NOUN
framr-2989	123	3	marigin	marigin	NOUN
framr-2989	123	4	(	(	PUNCT
framr-2989	123	5	nim	nim	PROPN
framr-2989	123	6	)	)	PUNCT
framr-2989	123	7	.	.	PUNCT
framr-2989	124	1	the	the	DET
framr-2989	124	2	average	average	ADJ
framr-2989	124	3	nim	nim	PROPN
framr-2989	124	4	of	of	ADP
framr-2989	124	5	state	state	PROPN
framr-2989	124	6	owned	own	VERB
framr-2989	124	7	banks	bank	NOUN
framr-2989	124	8	is	be	AUX
framr-2989	124	9	5.13	5.13	NUM
framr-2989	124	10	%	%	NOUN
framr-2989	124	11	,	,	PUNCT
framr-2989	124	12	quite	quite	ADV
framr-2989	124	13	good	good	ADJ
framr-2989	124	14	and	and	CCONJ
framr-2989	124	15	still	still	ADV
framr-2989	124	16	high	high	ADJ
framr-2989	124	17	when	when	SCONJ
framr-2989	124	18	compared	compare	VERB
framr-2989	124	19	to	to	ADP
framr-2989	124	20	the	the	DET
framr-2989	124	21	nim	nim	PROPN
framr-2989	124	22	of	of	ADP
framr-2989	124	23	asean	asean	PROPN
framr-2989	124	24	countries	country	NOUN
framr-2989	124	25	ranging	range	VERB
framr-2989	124	26	from	from	ADP
framr-2989	124	27	1.7	1.7	NUM
framr-2989	124	28	%	%	NOUN
framr-2989	124	29	3.7	3.7	NUM
framr-2989	124	30	%	%	NOUN
framr-2989	124	31	.	.	PUNCT
framr-2989	125	1	the	the	DET
framr-2989	125	2	maximum	maximum	ADJ
framr-2989	125	3	value	value	NOUN
framr-2989	125	4	of	of	ADP
framr-2989	125	5	the	the	DET
framr-2989	125	6	nim	nim	PROPN
framr-2989	125	7	variable	variable	NOUN
framr-2989	125	8	is	be	AUX
framr-2989	125	9	7.64	7.64	NUM
framr-2989	125	10	%	%	NOUN
framr-2989	125	11	,	,	PUNCT
framr-2989	125	12	obtained	obtain	VERB
framr-2989	125	13	by	by	ADP
framr-2989	125	14	bank	bank	PROPN
framr-2989	125	15	bri	bri	NOUN
framr-2989	125	16	in	in	ADP
framr-2989	125	17	q2/2018	q2/2018	NOUN
framr-2989	125	18	.	.	PUNCT
framr-2989	126	1	the	the	DET
framr-2989	126	2	nim	nim	PROPN
framr-2989	126	3	of	of	ADP
framr-2989	126	4	bank	bank	PROPN
framr-2989	126	5	bri	bri	PROPN
framr-2989	126	6	is	be	AUX
framr-2989	126	7	indeed	indeed	ADV
framr-2989	126	8	quite	quite	ADV
framr-2989	126	9	high	high	ADJ
framr-2989	126	10	because	because	SCONJ
framr-2989	126	11	bank	bank	NOUN
framr-2989	126	12	bri	bri	NOUN
framr-2989	126	13	focuses	focus	VERB
framr-2989	126	14	on	on	ADP
framr-2989	126	15	serving	serve	VERB
framr-2989	126	16	msmes	msme	NOUN
framr-2989	126	17	that	that	PRON
framr-2989	126	18	have	have	VERB
framr-2989	126	19	large	large	ADJ
framr-2989	126	20	margins	margin	NOUN
framr-2989	126	21	.	.	PUNCT
framr-2989	127	1	minimum	minimum	ADJ
framr-2989	127	2	nim	nim	PROPN
framr-2989	127	3	value	value	NOUN
framr-2989	127	4	of	of	ADP
framr-2989	127	5	3.06	3.06	NUM
framr-2989	127	6	%	%	NOUN
framr-2989	127	7	,	,	PUNCT
framr-2989	127	8	owned	own	VERB
framr-2989	127	9	by	by	ADP
framr-2989	127	10	bank	bank	NOUN
framr-2989	127	11	btn	btn	NOUN
framr-2989	127	12	in	in	ADP
framr-2989	127	13	q4/2020	q4/2020	NOUN
framr-2989	127	14	.	.	PUNCT
framr-2989	128	1	the	the	DET
framr-2989	128	2	low	low	PROPN
framr-2989	128	3	nim	nim	PROPN
framr-2989	128	4	of	of	ADP
framr-2989	128	5	bank	bank	PROPN
framr-2989	128	6	btn	btn	NOUN
framr-2989	128	7	in	in	ADP
framr-2989	128	8	2020	2020	NUM
framr-2989	128	9	was	be	AUX
framr-2989	128	10	due	due	ADJ
framr-2989	128	11	to	to	ADP
framr-2989	128	12	a	a	DET
framr-2989	128	13	high	high	ADJ
framr-2989	128	14	npl	npl	NOUN
framr-2989	128	15	of	of	ADP
framr-2989	128	16	4,91	4,91	NUM
framr-2989	128	17	%	%	NOUN
framr-2989	128	18	and	and	CCONJ
framr-2989	128	19	hight	hight	NOUN
framr-2989	128	20	lar	lar	NOUN
framr-2989	128	21	of	of	ADP
framr-2989	128	22	34.11	34.11	NUM
framr-2989	128	23	%	%	NOUN
framr-2989	128	24	which	which	PRON
framr-2989	128	25	resulted	result	VERB
framr-2989	128	26	in	in	ADP
framr-2989	128	27	a	a	DET
framr-2989	128	28	decrease	decrease	NOUN
framr-2989	128	29	in	in	ADP
framr-2989	128	30	loan	loan	NOUN
framr-2989	128	31	productivity	productivity	NOUN
framr-2989	128	32	,	,	PUNCT
framr-2989	128	33	where	where	SCONJ
framr-2989	128	34	loan	loan	NOUN
framr-2989	128	35	interest	interest	NOUN
framr-2989	128	36	income	income	NOUN
framr-2989	128	37	decreased	decrease	VERB
framr-2989	128	38	,	,	PUNCT
framr-2989	128	39	in	in	ADP
framr-2989	128	40	addition	addition	NOUN
framr-2989	128	41	to	to	ADP
framr-2989	128	42	cof	cof	PROPN
framr-2989	128	43	which	which	PRON
framr-2989	128	44	was	be	AUX
framr-2989	128	45	still	still	ADV
framr-2989	128	46	high	high	ADJ
framr-2989	128	47	because	because	SCONJ
framr-2989	128	48	bank	bank	NOUN
framr-2989	128	49	btn	btn	NOUN
framr-2989	128	50	still	still	ADV
framr-2989	128	51	relied	rely	VERB
framr-2989	128	52	on	on	ADP
framr-2989	128	53	expensive	expensive	ADJ
framr-2989	128	54	funds	fund	NOUN
framr-2989	128	55	,	,	PUNCT
framr-2989	128	56	which	which	PRON
framr-2989	128	57	was	be	AUX
framr-2989	128	58	reflected	reflect	VERB
framr-2989	128	59	in	in	ADP
framr-2989	128	60	the	the	DET
framr-2989	128	61	composition	composition	NOUN
framr-2989	128	62	of	of	ADP
framr-2989	128	63	cheap	cheap	ADJ
framr-2989	128	64	funds	fund	NOUN
framr-2989	128	65	.	.	PUNCT
framr-2989	129	1	(	(	PUNCT
framr-2989	129	2	casa	casa	PROPN
framr-2989	129	3	–	–	PUNCT
framr-2989	129	4	current	current	ADJ
framr-2989	129	5	account	account	NOUN
framr-2989	129	6	saving	saving	NOUN
framr-2989	129	7	account	account	NOUN
framr-2989	129	8	)	)	PUNCT
framr-2989	129	9	of	of	ADP
framr-2989	129	10	the	the	DET
framr-2989	129	11	total	total	ADJ
framr-2989	129	12	funds	fund	NOUN
framr-2989	129	13	raised	raise	VERB
framr-2989	129	14	is	be	AUX
framr-2989	129	15	still	still	ADV
framr-2989	129	16	small	small	ADJ
framr-2989	129	17	,	,	PUNCT
framr-2989	129	18	namely	namely	ADV
framr-2989	129	19	an	an	DET
framr-2989	129	20	average	average	NOUN
framr-2989	129	21	of	of	ADP
framr-2989	129	22	45.12	45.12	NUM
framr-2989	129	23	%	%	NOUN
framr-2989	129	24	.	.	PUNCT
framr-2989	130	1	operational	operational	ADJ
framr-2989	130	2	costs	cost	NOUN
framr-2989	130	3	to	to	ADP
framr-2989	130	4	operational	operational	ADJ
framr-2989	130	5	income	income	NOUN
framr-2989	130	6	(	(	PUNCT
framr-2989	130	7	ocoi	ocoi	NOUN
framr-2989	130	8	)	)	PUNCT
framr-2989	130	9	.	.	PUNCT
framr-2989	131	1	the	the	DET
framr-2989	131	2	average	average	ADJ
framr-2989	131	3	ocoi	ocoi	NOUN
framr-2989	131	4	of	of	ADP
framr-2989	131	5	state	state	NOUN
framr-2989	131	6	owned	own	VERB
framr-2989	131	7	banks	bank	NOUN
framr-2989	131	8	is	be	AUX
framr-2989	131	9	77.57	77.57	NUM
framr-2989	131	10	%	%	NOUN
framr-2989	131	11	,	,	PUNCT
framr-2989	131	12	which	which	PRON
framr-2989	131	13	is	be	AUX
framr-2989	131	14	still	still	ADV
framr-2989	131	15	high	high	ADJ
framr-2989	131	16	.	.	PUNCT
framr-2989	132	1	this	this	PRON
framr-2989	132	2	shows	show	VERB
framr-2989	132	3	that	that	SCONJ
framr-2989	132	4	in	in	ADP
framr-2989	132	5	terms	term	NOUN
framr-2989	132	6	of	of	ADP
framr-2989	132	7	efficiency	efficiency	NOUN
framr-2989	132	8	,	,	PUNCT
framr-2989	132	9	state	state	NOUN
framr-2989	132	10	owned	own	VERB
framr-2989	132	11	banks	bank	NOUN
framr-2989	132	12	need	need	VERB
framr-2989	132	13	to	to	PART
framr-2989	132	14	further	far	ADV
framr-2989	132	15	improve	improve	VERB
framr-2989	132	16	their	their	PRON
framr-2989	132	17	efficiency	efficiency	NOUN
framr-2989	132	18	so	so	SCONJ
framr-2989	132	19	that	that	SCONJ
framr-2989	132	20	their	their	PRON
framr-2989	132	21	ocoi	ocoi	NOUN
framr-2989	132	22	decreases	decrease	VERB
framr-2989	132	23	,	,	PUNCT
framr-2989	132	24	namely	namely	ADV
framr-2989	132	25	by	by	ADP
framr-2989	132	26	accelerating	accelerate	VERB
framr-2989	132	27	digital	digital	ADJ
framr-2989	132	28	transformation	transformation	NOUN
framr-2989	132	29	and	and	CCONJ
framr-2989	132	30	increasing	increase	VERB
framr-2989	132	31	collaboration	collaboration	NOUN
framr-2989	132	32	with	with	ADP
framr-2989	132	33	other	other	ADJ
framr-2989	132	34	business	business	NOUN
framr-2989	132	35	entities	entity	NOUN
framr-2989	132	36	such	such	ADJ
framr-2989	132	37	as	as	ADP
framr-2989	132	38	increasing	increase	VERB
framr-2989	132	39	“	"	PUNCT
framr-2989	132	40	laku	laku	NOUN
framr-2989	132	41	pandai	pandai	NOUN
framr-2989	132	42	”	"	PUNCT
framr-2989	132	43	(	(	PUNCT
framr-2989	132	44	officeless	officeless	ADJ
framr-2989	132	45	financial	financial	ADJ
framr-2989	132	46	services	service	NOUN
framr-2989	132	47	for	for	ADP
framr-2989	132	48	inclusive	inclusive	ADJ
framr-2989	132	49	finance	finance	NOUN
framr-2989	132	50	)	)	PUNCT
framr-2989	132	51	and	and	CCONJ
framr-2989	132	52	closing	close	VERB
framr-2989	132	53	office	office	NOUN
framr-2989	132	54	networks	network	NOUN
framr-2989	132	55	that	that	PRON
framr-2989	132	56	are	be	AUX
framr-2989	132	57	no	no	ADV
framr-2989	132	58	longer	long	ADV
framr-2989	132	59	available	available	ADJ
framr-2989	132	60	.	.	PUNCT
framr-2989	133	1	productive	productive	ADJ
framr-2989	133	2	again	again	ADV
framr-2989	133	3	.	.	PUNCT
framr-2989	134	1	the	the	DET
framr-2989	134	2	minimum	minimum	ADJ
framr-2989	134	3	ocoi	ocoi	NOUN
framr-2989	134	4	value	value	NOUN
framr-2989	134	5	of	of	ADP
framr-2989	134	6	63.01	63.01	NUM
framr-2989	134	7	%	%	NOUN
framr-2989	134	8	was	be	AUX
framr-2989	134	9	owned	own	VERB
framr-2989	134	10	by	by	ADP
framr-2989	134	11	bank	bank	NOUN
framr-2989	134	12	mandiri	mandiri	NOUN
framr-2989	134	13	in	in	ADP
framr-2989	134	14	q1	q1	PROPN
framr-2989	134	15	/	/	SYM
framr-2989	134	16	2019	2019	NUM
framr-2989	134	17	,	,	PUNCT
framr-2989	134	18	while	while	SCONJ
framr-2989	134	19	the	the	DET
framr-2989	134	20	maximum	maximum	ADJ
framr-2989	134	21	ocoi	ocoi	ADJ
framr-2989	134	22	value	value	NOUN
framr-2989	134	23	of	of	ADP
framr-2989	134	24	98.12	98.12	NUM
framr-2989	134	25	%	%	NOUN
framr-2989	134	26	was	be	AUX
framr-2989	134	27	owned	own	VERB
framr-2989	134	28	by	by	ADP
framr-2989	134	29	bank	bank	NOUN
framr-2989	134	30	btn	btn	NOUN
framr-2989	134	31	in	in	ADP
framr-2989	134	32	q4	q4	PROPN
framr-2989	134	33	/	/	SYM
framr-2989	134	34	2019	2019	NUM
framr-2989	134	35	.	.	PUNCT
framr-2989	135	1	bank	bank	PROPN
framr-2989	135	2	btn	btn	NOUN
framr-2989	135	3	's	's	PART
framr-2989	135	4	ocoi	ocoi	NOUN
framr-2989	135	5	was	be	AUX
framr-2989	135	6	high	high	ADJ
framr-2989	135	7	due	due	ADP
framr-2989	135	8	to	to	ADP
framr-2989	135	9	an	an	DET
framr-2989	135	10	increase	increase	NOUN
framr-2989	135	11	in	in	ADP
framr-2989	135	12	npl	npl	NOUN
framr-2989	135	13	and	and	CCONJ
framr-2989	135	14	lar	lar	ADJ
framr-2989	135	15	respectively	respectively	ADV
framr-2989	135	16	from	from	ADP
framr-2989	135	17	2.82	2.82	NUM
framr-2989	135	18	%	%	NOUN
framr-2989	135	19	and	and	CCONJ
framr-2989	135	20	15.40	15.40	NUM
framr-2989	135	21	%	%	NOUN
framr-2989	135	22	in	in	ADP
framr-2989	135	23	2018	2018	NUM
framr-2989	135	24	,	,	PUNCT
framr-2989	135	25	to	to	ADP
framr-2989	135	26	respectively	respectively	ADV
framr-2989	135	27	4.73	4.73	NUM
framr-2989	135	28	%	%	NOUN
framr-2989	135	29	and	and	CCONJ
framr-2989	135	30	18.91	18.91	NUM
framr-2989	135	31	%	%	NOUN
framr-2989	135	32	in	in	ADP
framr-2989	135	33	2019	2019	NUM
framr-2989	135	34	,	,	PUNCT
framr-2989	135	35	which	which	PRON
framr-2989	135	36	resulted	result	VERB
framr-2989	135	37	in	in	ADP
framr-2989	135	38	an	an	DET
framr-2989	135	39	increase	increase	NOUN
framr-2989	135	40	in	in	ADP
framr-2989	135	41	the	the	DET
framr-2989	135	42	cost	cost	NOUN
framr-2989	135	43	of	of	ADP
framr-2989	135	44	loss	loss	NOUN
framr-2989	135	45	reserves	reserve	NOUN
framr-2989	135	46	that	that	PRON
framr-2989	135	47	must	must	AUX
framr-2989	135	48	be	be	AUX
framr-2989	135	49	formed	form	VERB
framr-2989	135	50	so	so	SCONJ
framr-2989	135	51	that	that	SCONJ
framr-2989	135	52	operational	operational	ADJ
framr-2989	135	53	costs	cost	NOUN
framr-2989	135	54	increased	increase	VERB
framr-2989	135	55	,	,	PUNCT
framr-2989	135	56	while	while	SCONJ
framr-2989	135	57	on	on	ADP
framr-2989	135	58	the	the	DET
framr-2989	135	59	other	other	ADJ
framr-2989	135	60	hand	hand	NOUN
framr-2989	135	61	income	income	NOUN
framr-2989	135	62	from	from	ADP
framr-2989	135	63	loan	loan	NOUN
framr-2989	135	64	interest	interest	NOUN
framr-2989	135	65	decreased	decrease	VERB
framr-2989	135	66	due	due	ADJ
framr-2989	135	67	to	to	ADP
framr-2989	135	68	lower	low	ADJ
framr-2989	135	69	loan	loan	NOUN
framr-2989	135	70	productivity	productivity	NOUN
framr-2989	135	71	due	due	ADP
framr-2989	135	72	to	to	ADP
framr-2989	135	73	the	the	DET
framr-2989	135	74	increase	increase	NOUN
framr-2989	135	75	in	in	ADP
framr-2989	135	76	the	the	DET
framr-2989	135	77	npl	npl	NOUN
framr-2989	135	78	and	and	CCONJ
framr-2989	135	79	lar	lar	ADJ
framr-2989	135	80	.	.	PROPN
framr-2989	135	81	4.1.3	4.1.3	NUM
framr-2989	135	82	.	.	PUNCT
framr-2989	135	83	credit	credit	NOUN
framr-2989	135	84	quality	quality	NOUN
framr-2989	135	85	non	non	ADJ
framr-2989	135	86	-	-	ADJ
framr-2989	135	87	performing	performing	ADJ
framr-2989	135	88	loan	loan	NOUN
framr-2989	135	89	(	(	PUNCT
framr-2989	135	90	npl	npl	PROPN
framr-2989	135	91	)	)	PUNCT
framr-2989	135	92	.	.	PUNCT
framr-2989	136	1	the	the	DET
framr-2989	136	2	average	average	ADJ
framr-2989	136	3	npl	npl	NOUN
framr-2989	136	4	of	of	ADP
framr-2989	136	5	state	state	NOUN
framr-2989	136	6	-	-	PUNCT
framr-2989	136	7	owned	own	VERB
framr-2989	136	8	banks	bank	NOUN
framr-2989	136	9	is	be	AUX
framr-2989	136	10	3.08	3.08	NUM
framr-2989	136	11	%	%	NOUN
framr-2989	136	12	,	,	PUNCT
framr-2989	136	13	which	which	PRON
framr-2989	136	14	is	be	AUX
framr-2989	136	15	high	high	ADJ
framr-2989	136	16	because	because	SCONJ
framr-2989	136	17	during	during	ADP
framr-2989	136	18	the	the	DET
framr-2989	136	19	covid-19	covid-19	PROPN
framr-2989	136	20	period	period	NOUN
framr-2989	136	21	,	,	PUNCT
framr-2989	136	22	the	the	DET
framr-2989	136	23	npl	npl	NOUN
framr-2989	136	24	crawled	crawl	VERB
framr-2989	136	25	up	up	ADP
framr-2989	136	26	even	even	ADV
framr-2989	136	27	though	though	SCONJ
framr-2989	136	28	a	a	DET
framr-2989	136	29	lot	lot	NOUN
framr-2989	136	30	of	of	ADP
framr-2989	136	31	bad	bad	ADJ
framr-2989	136	32	loans	loan	NOUN
framr-2989	136	33	had	have	AUX
framr-2989	136	34	been	be	AUX
framr-2989	136	35	written	write	VERB
framr-2989	136	36	off	off	ADP
framr-2989	136	37	.	.	PUNCT
framr-2989	137	1	the	the	DET
framr-2989	137	2	minimum	minimum	ADJ
framr-2989	137	3	npl	npl	NOUN
framr-2989	137	4	value	value	NOUN
framr-2989	137	5	of	of	ADP
framr-2989	137	6	1.75	1.75	NUM
framr-2989	137	7	%	%	NOUN
framr-2989	137	8	is	be	AUX
framr-2989	137	9	owned	own	VERB
framr-2989	137	10	by	by	ADP
framr-2989	137	11	bank	bank	PROPN
framr-2989	137	12	bni	bni	PROPN
framr-2989	137	13	in	in	ADP
framr-2989	137	14	q2	q2	PROPN
framr-2989	137	15	/	/	SYM
framr-2989	137	16	2019	2019	NUM
framr-2989	137	17	,	,	PUNCT
framr-2989	137	18	while	while	SCONJ
framr-2989	137	19	the	the	DET
framr-2989	137	20	maximum	maximum	ADJ
framr-2989	137	21	npl	npl	NOUN
framr-2989	137	22	value	value	NOUN
framr-2989	137	23	of	of	ADP
framr-2989	137	24	4.91	4.91	NUM
framr-2989	137	25	%	%	NOUN
framr-2989	137	26	is	be	AUX
framr-2989	137	27	owned	own	VERB
framr-2989	137	28	by	by	ADP
framr-2989	137	29	bank	bank	NOUN
framr-2989	137	30	btn	btn	NOUN
framr-2989	137	31	in	in	ADP
framr-2989	137	32	q4	q4	PROPN
framr-2989	137	33	/	/	SYM
framr-2989	137	34	2020	2020	NUM
framr-2989	137	35	.	.	PUNCT
framr-2989	138	1	loan	loan	NOUN
framr-2989	138	2	at	at	ADP
framr-2989	138	3	risk	risk	NOUN
framr-2989	138	4	(	(	PUNCT
framr-2989	138	5	lar	lar	ADJ
framr-2989	138	6	)	)	PUNCT
framr-2989	138	7	.	.	PUNCT
framr-2989	139	1	the	the	DET
framr-2989	139	2	average	average	ADJ
framr-2989	139	3	lar	lar	NOUN
framr-2989	139	4	of	of	ADP
framr-2989	139	5	state	state	NOUN
framr-2989	139	6	owned	own	VERB
framr-2989	139	7	banks	bank	NOUN
framr-2989	139	8	is	be	AUX
framr-2989	139	9	18.35	18.35	NUM
framr-2989	139	10	%	%	NOUN
framr-2989	139	11	,	,	PUNCT
framr-2989	139	12	which	which	PRON
framr-2989	139	13	is	be	AUX
framr-2989	139	14	very	very	ADV
framr-2989	139	15	high	high	ADJ
framr-2989	139	16	because	because	SCONJ
framr-2989	139	17	during	during	ADP
framr-2989	139	18	the	the	DET
framr-2989	139	19	covid-19	covid-19	PROPN
framr-2989	139	20	period	period	NOUN
framr-2989	139	21	,	,	PUNCT
framr-2989	139	22	state	state	NOUN
framr-2989	139	23	owned	own	VERB
framr-2989	139	24	banks	bank	NOUN
framr-2989	139	25	carried	carry	VERB
framr-2989	139	26	out	out	ADP
framr-2989	139	27	a	a	DET
framr-2989	139	28	lot	lot	NOUN
framr-2989	139	29	of	of	ADP
framr-2989	139	30	credit	credit	NOUN
framr-2989	139	31	restructuring	restructuring	NOUN
framr-2989	139	32	,	,	PUNCT
framr-2989	139	33	which	which	DET
framr-2989	139	34	bri	bri	NOUN
framr-2989	139	35	amounted	amount	VERB
framr-2989	139	36	to	to	ADP
framr-2989	139	37	idr	idr	PROPN
framr-2989	139	38	198,78	198,78	PROPN
framr-2989	139	39	trilion	trilion	PROPN
framr-2989	139	40	,	,	PUNCT
framr-2989	139	41	mandiri	mandiri	NOUN
framr-2989	139	42	amounted	amount	VERB
framr-2989	139	43	to	to	PART
framr-2989	139	44	idr	idr	VERB
framr-2989	139	45	108.83	108.83	NUM
framr-2989	139	46	trillion	trillion	NUM
framr-2989	139	47	,	,	PUNCT
framr-2989	139	48	bank	bank	PROPN
framr-2989	139	49	bni	bni	PROPN
framr-2989	139	50	amounted	amount	VERB
framr-2989	139	51	to	to	PART
framr-2989	139	52	idr	idr	VERB
framr-2989	139	53	106.99	106.99	NUM
framr-2989	139	54	trillion	trillion	NUM
framr-2989	139	55	and	and	CCONJ
framr-2989	139	56	bank	bank	NOUN
framr-2989	139	57	btn	btn	NOUN
framr-2989	139	58	amounted	amount	VERB
framr-2989	139	59	to	to	PART
framr-2989	139	60	idr	idr	VERB
framr-2989	139	61	59.07	59.07	NUM
framr-2989	139	62	trillion	trillion	NUM
framr-2989	139	63	.	.	PUNCT
framr-2989	140	1	the	the	DET
framr-2989	140	2	minimum	minimum	ADJ
framr-2989	140	3	lar	lar	ADJ
framr-2989	140	4	value	value	NOUN
framr-2989	140	5	of	of	ADP
framr-2989	140	6	7.88	7.88	NUM
framr-2989	140	7	%	%	NOUN
framr-2989	140	8	is	be	AUX
framr-2989	140	9	owned	own	VERB
framr-2989	140	10	by	by	ADP
framr-2989	140	11	bank	bank	PROPN
framr-2989	140	12	bni	bni	PROPN
framr-2989	140	13	in	in	ADP
framr-2989	140	14	q4	q4	PROPN
framr-2989	140	15	/	/	PUNCT
framr-2989	140	16	2018	2018	NUM
framr-2989	140	17	,	,	PUNCT
framr-2989	140	18	while	while	SCONJ
framr-2989	140	19	the	the	DET
framr-2989	140	20	maximum	maximum	ADJ
framr-2989	140	21	lar	lar	ADJ
framr-2989	140	22	value	value	NOUN
framr-2989	140	23	of	of	ADP
framr-2989	140	24	34.11	34.11	NUM
framr-2989	140	25	%	%	NOUN
framr-2989	140	26	is	be	AUX
framr-2989	140	27	owned	own	VERB
framr-2989	140	28	by	by	ADP
framr-2989	140	29	bank	bank	NOUN
framr-2989	140	30	btn	btn	NOUN
framr-2989	140	31	in	in	ADP
framr-2989	140	32	q4	q4	PROPN
framr-2989	140	33	/	/	SYM
framr-2989	140	34	2020	2020	NUM
framr-2989	140	35	.	.	PUNCT
framr-2989	141	1	4.1.4	4.1.4	NUM
framr-2989	141	2	.	.	PUNCT
framr-2989	142	1	liquidity	liquidity	NOUN
framr-2989	142	2	loan	loan	NOUN
framr-2989	142	3	deposit	deposit	NOUN
framr-2989	142	4	ratio	ratio	NOUN
framr-2989	142	5	(	(	PUNCT
framr-2989	142	6	ldr	ldr	PROPN
framr-2989	142	7	)	)	PUNCT
framr-2989	142	8	.	.	PUNCT
framr-2989	143	1	the	the	DET
framr-2989	143	2	average	average	ADJ
framr-2989	143	3	ldr	ldr	NOUN
framr-2989	143	4	of	of	ADP
framr-2989	143	5	state	state	NOUN
framr-2989	143	6	owned	own	VERB
framr-2989	143	7	banks	bank	NOUN
framr-2989	143	8	is	be	AUX
framr-2989	143	9	92.51	92.51	NUM
framr-2989	143	10	%	%	NOUN
framr-2989	143	11	,	,	PUNCT
framr-2989	143	12	very	very	ADV
framr-2989	143	13	good	good	ADJ
framr-2989	143	14	.	.	PUNCT
framr-2989	144	1	this	this	PRON
framr-2989	144	2	shows	show	VERB
framr-2989	144	3	that	that	SCONJ
framr-2989	144	4	state	state	NOUN
framr-2989	144	5	owned	own	VERB
framr-2989	144	6	banks	bank	NOUN
framr-2989	144	7	are	be	AUX
framr-2989	144	8	able	able	ADJ
framr-2989	144	9	to	to	PART
framr-2989	144	10	maintain	maintain	VERB
framr-2989	144	11	liquidity	liquidity	NOUN
framr-2989	144	12	and	and	CCONJ
framr-2989	144	13	their	their	PRON
framr-2989	144	14	intermediary	intermediary	ADJ
framr-2989	144	15	functions	function	NOUN
framr-2989	144	16	well	well	ADV
framr-2989	144	17	.	.	PUNCT
framr-2989	145	1	the	the	DET
framr-2989	145	2	minimum	minimum	ADJ
framr-2989	145	3	ldr	ldr	PROPN
framr-2989	145	4	value	value	NOUN
framr-2989	145	5	of	of	ADP
framr-2989	145	6	financial	financial	ADJ
framr-2989	145	7	risk	risk	NOUN
framr-2989	145	8	and	and	CCONJ
framr-2989	145	9	management	management	NOUN
framr-2989	145	10	reviews	review	NOUN
framr-2989	145	11	,	,	PUNCT
framr-2989	145	12	2022	2022	NUM
framr-2989	145	13	,	,	PUNCT
framr-2989	145	14	8(1	8(1	NOUN
framr-2989	145	15	):	):	PUNCT
framr-2989	145	16	12	12	NUM
framr-2989	145	17	-	-	SYM
framr-2989	145	18	19	19	NUM
framr-2989	145	19	17	17	NUM
framr-2989	145	20	©	©	PROPN
framr-2989	145	21	2022	2022	NUM
framr-2989	145	22	conscientia	conscientia	PROPN
framr-2989	145	23	beam	beam	PROPN
framr-2989	145	24	.	.	PUNCT
framr-2989	146	1	all	all	DET
framr-2989	146	2	rights	right	NOUN
framr-2989	146	3	reserved	reserve	VERB
framr-2989	146	4	.	.	PUNCT
framr-2989	147	1	79.71	79.71	NUM
framr-2989	147	2	%	%	NOUN
framr-2989	147	3	is	be	AUX
framr-2989	147	4	owned	own	VERB
framr-2989	147	5	by	by	ADP
framr-2989	147	6	bank	bank	PROPN
framr-2989	147	7	bni	bni	PROPN
framr-2989	147	8	in	in	ADP
framr-2989	147	9	q4	q4	PROPN
framr-2989	147	10	/	/	SYM
framr-2989	147	11	2021	2021	NUM
framr-2989	147	12	,	,	PUNCT
framr-2989	147	13	while	while	SCONJ
framr-2989	147	14	the	the	DET
framr-2989	147	15	maximum	maximum	ADJ
framr-2989	147	16	ldr	ldr	NOUN
framr-2989	147	17	value	value	NOUN
framr-2989	147	18	of	of	ADP
framr-2989	147	19	114.24	114.24	NUM
framr-2989	147	20	%	%	NOUN
framr-2989	147	21	is	be	AUX
framr-2989	147	22	owned	own	VERB
framr-2989	147	23	by	by	ADP
framr-2989	147	24	bank	bank	NOUN
framr-2989	147	25	btn	btn	NOUN
framr-2989	147	26	in	in	ADP
framr-2989	147	27	q2	q2	PROPN
framr-2989	147	28	/	/	SYM
framr-2989	147	29	2019	2019	NUM
framr-2989	147	30	.	.	PUNCT
framr-2989	148	1	4.1.5	4.1.5	X
framr-2989	148	2	.	.	PUNCT
framr-2989	148	3	dividend	dividend	NOUN
framr-2989	148	4	policy	policy	NOUN
framr-2989	148	5	dividend	dividend	NOUN
framr-2989	148	6	payout	payout	NOUN
framr-2989	148	7	ratio	ratio	NOUN
framr-2989	148	8	(	(	PUNCT
framr-2989	148	9	dpr	dpr	PROPN
framr-2989	148	10	)	)	PUNCT
framr-2989	148	11	.	.	PUNCT
framr-2989	149	1	the	the	DET
framr-2989	149	2	average	average	ADJ
framr-2989	149	3	dpr	dpr	PROPN
framr-2989	149	4	of	of	ADP
framr-2989	149	5	state	state	PROPN
framr-2989	149	6	owned	own	VERB
framr-2989	149	7	bank	bank	NOUN
framr-2989	149	8	is	be	AUX
framr-2989	149	9	39.06	39.06	NUM
framr-2989	149	10	%	%	NOUN
framr-2989	149	11	,	,	PUNCT
framr-2989	149	12	which	which	PRON
framr-2989	149	13	is	be	AUX
framr-2989	149	14	quite	quite	ADV
framr-2989	149	15	good	good	ADJ
framr-2989	149	16	.	.	PUNCT
framr-2989	150	1	state	state	NOUN
framr-2989	150	2	owned	own	VERB
framr-2989	150	3	banks	bank	NOUN
framr-2989	150	4	are	be	AUX
framr-2989	150	5	able	able	ADJ
framr-2989	150	6	to	to	PART
framr-2989	150	7	provide	provide	VERB
framr-2989	150	8	prosperity	prosperity	NOUN
framr-2989	150	9	to	to	PART
framr-2989	150	10	share	share	VERB
framr-2989	150	11	holders	holder	NOUN
framr-2989	150	12	through	through	ADP
framr-2989	150	13	the	the	DET
framr-2989	150	14	distribution	distribution	NOUN
framr-2989	150	15	of	of	ADP
framr-2989	150	16	dividends	dividend	NOUN
framr-2989	150	17	,	,	PUNCT
framr-2989	150	18	including	include	VERB
framr-2989	150	19	their	their	PRON
framr-2989	150	20	contribution	contribution	NOUN
framr-2989	150	21	to	to	ADP
framr-2989	150	22	the	the	DET
framr-2989	150	23	state	state	NOUN
framr-2989	150	24	budget	budget	NOUN
framr-2989	150	25	,	,	PUNCT
framr-2989	150	26	in	in	ADP
framr-2989	150	27	addition	addition	NOUN
framr-2989	150	28	to	to	ADP
framr-2989	150	29	the	the	DET
framr-2989	150	30	noble	noble	ADJ
framr-2989	150	31	task	task	NOUN
framr-2989	150	32	carried	carry	VERB
framr-2989	150	33	out	out	ADP
framr-2989	150	34	by	by	ADP
framr-2989	150	35	state	state	NOUN
framr-2989	150	36	owned	own	VERB
framr-2989	150	37	banks	bank	NOUN
framr-2989	150	38	as	as	ADP
framr-2989	150	39	development	development	NOUN
framr-2989	150	40	agents	agent	NOUN
framr-2989	150	41	,	,	PUNCT
framr-2989	150	42	namely	namely	ADV
framr-2989	150	43	carrying	carry	VERB
framr-2989	150	44	out	out	ADP
framr-2989	150	45	government	government	NOUN
framr-2989	150	46	programs	program	NOUN
framr-2989	150	47	and	and	CCONJ
framr-2989	150	48	maintaining	maintain	VERB
framr-2989	150	49	national	national	ADJ
framr-2989	150	50	economic	economic	ADJ
framr-2989	150	51	stability	stability	NOUN
framr-2989	150	52	.	.	PUNCT
framr-2989	151	1	the	the	DET
framr-2989	151	2	maximum	maximum	PROPN
framr-2989	151	3	dpr	dpr	PROPN
framr-2989	151	4	variable	variable	NOUN
framr-2989	151	5	of	of	ADP
framr-2989	151	6	85.00	85.00	NUM
framr-2989	151	7	%	%	NOUN
framr-2989	151	8	is	be	AUX
framr-2989	151	9	owned	own	VERB
framr-2989	151	10	by	by	ADP
framr-2989	151	11	bank	bank	PROPN
framr-2989	151	12	bri	bri	NOUN
framr-2989	151	13	for	for	ADP
framr-2989	151	14	2021	2021	NUM
framr-2989	151	15	performance	performance	NOUN
framr-2989	151	16	,	,	PUNCT
framr-2989	151	17	while	while	SCONJ
framr-2989	151	18	a	a	DET
framr-2989	151	19	minimum	minimum	NOUN
framr-2989	151	20	of	of	ADP
framr-2989	151	21	0.00	0.00	NUM
framr-2989	151	22	%	%	NOUN
framr-2989	151	23	(	(	PUNCT
framr-2989	151	24	not	not	PART
framr-2989	151	25	paying	pay	VERB
framr-2989	151	26	dividends	dividend	NOUN
framr-2989	151	27	)	)	PUNCT
framr-2989	151	28	is	be	AUX
framr-2989	151	29	carried	carry	VERB
framr-2989	151	30	out	out	ADP
framr-2989	151	31	by	by	ADP
framr-2989	151	32	bank	bank	NOUN
framr-2989	151	33	btn	btn	NOUN
framr-2989	151	34	for	for	ADP
framr-2989	151	35	2020	2020	NUM
framr-2989	151	36	performance	performance	NOUN
framr-2989	151	37	.	.	PUNCT
framr-2989	152	1	4.2	4.2	NUM
framr-2989	152	2	.	.	PUNCT
framr-2989	153	1	performance	performance	NOUN
framr-2989	153	2	and	and	CCONJ
framr-2989	153	3	dividend	dividend	NOUN
framr-2989	153	4	policy	policy	NOUN
framr-2989	153	5	of	of	ADP
framr-2989	153	6	state	state	NOUN
framr-2989	153	7	owned	own	VERB
framr-2989	153	8	banks	bank	NOUN
framr-2989	153	9	before	before	ADP
framr-2989	153	10	and	and	CCONJ
framr-2989	153	11	after	after	ADP
framr-2989	153	12	covid-19	covid-19	PROPN
framr-2989	153	13	with	with	ADP
framr-2989	153	14	the	the	DET
framr-2989	153	15	covid-19	covid-19	PROPN
framr-2989	153	16	pandemic	pandemic	NOUN
framr-2989	153	17	causing	cause	VERB
framr-2989	153	18	the	the	DET
framr-2989	153	19	economy	economy	NOUN
framr-2989	153	20	to	to	PART
framr-2989	153	21	slow	slow	VERB
framr-2989	153	22	down	down	ADP
framr-2989	153	23	and	and	CCONJ
framr-2989	153	24	even	even	ADV
framr-2989	153	25	become	become	VERB
framr-2989	153	26	minus	minus	ADV
framr-2989	153	27	since	since	SCONJ
framr-2989	153	28	q2/	q2/	PROPN
framr-2989	153	29	2020	2020	NUM
framr-2989	153	30	,	,	PUNCT
framr-2989	153	31	many	many	ADJ
framr-2989	153	32	debtors	debtor	NOUN
framr-2989	153	33	can	can	AUX
framr-2989	153	34	not	not	PART
framr-2989	153	35	do	do	VERB
framr-2989	153	36	business	business	NOUN
framr-2989	153	37	due	due	ADP
framr-2989	153	38	to	to	ADP
framr-2989	153	39	restrictions	restriction	NOUN
framr-2989	153	40	on	on	ADP
framr-2989	153	41	activities	activity	NOUN
framr-2989	153	42	/	/	SYM
framr-2989	153	43	social	social	ADJ
framr-2989	153	44	mobility	mobility	NOUN
framr-2989	153	45	which	which	PRON
framr-2989	153	46	have	have	VERB
framr-2989	153	47	an	an	DET
framr-2989	153	48	impact	impact	NOUN
framr-2989	153	49	on	on	ADP
framr-2989	153	50	deteriorating	deteriorate	VERB
framr-2989	153	51	credit	credit	NOUN
framr-2989	153	52	quality	quality	NOUN
framr-2989	153	53	/	/	SYM
framr-2989	153	54	increasing	increase	VERB
framr-2989	153	55	banking	banking	NOUN
framr-2989	153	56	npl	npl	NOUN
framr-2989	153	57	and	and	CCONJ
framr-2989	153	58	lar	lar	ADJ
framr-2989	153	59	,	,	PUNCT
framr-2989	153	60	even	even	ADV
framr-2989	153	61	though	though	SCONJ
framr-2989	153	62	state	state	NOUN
framr-2989	153	63	owned	own	VERB
framr-2989	153	64	banks	bank	NOUN
framr-2989	153	65	have	have	AUX
framr-2989	153	66	done	do	VERB
framr-2989	153	67	many	many	ADJ
framr-2989	153	68	things	thing	NOUN
framr-2989	153	69	credit	credit	NOUN
framr-2989	153	70	restructuring	restructuring	NOUN
framr-2989	153	71	by	by	ADP
framr-2989	153	72	utilizing	utilize	VERB
framr-2989	153	73	the	the	DET
framr-2989	153	74	policies	policy	NOUN
framr-2989	153	75	provided	provide	VERB
framr-2989	153	76	by	by	ADP
framr-2989	153	77	the	the	DET
framr-2989	153	78	financial	financial	ADJ
framr-2989	153	79	services	service	NOUN
framr-2989	153	80	authority	authority	NOUN
framr-2989	153	81	.	.	PUNCT
framr-2989	154	1	it	it	PRON
framr-2989	154	2	was	be	AUX
framr-2989	154	3	recorded	record	VERB
framr-2989	154	4	that	that	SCONJ
framr-2989	154	5	until	until	ADP
framr-2989	154	6	the	the	DET
framr-2989	154	7	end	end	NOUN
framr-2989	154	8	of	of	ADP
framr-2989	154	9	december	december	PROPN
framr-2989	154	10	2020	2020	NUM
framr-2989	154	11	,	,	PUNCT
framr-2989	154	12	state	state	NOUN
framr-2989	154	13	owned	own	VERB
framr-2989	154	14	banks	bank	NOUN
framr-2989	154	15	had	have	AUX
framr-2989	154	16	restructured	restructure	VERB
framr-2989	154	17	msmes	msme	NOUN
framr-2989	154	18	debtors	debtor	NOUN
framr-2989	154	19	affected	affect	VERB
framr-2989	154	20	by	by	ADP
framr-2989	154	21	covid-19	covid-19	PROPN
framr-2989	154	22	amounting	amount	VERB
framr-2989	154	23	to	to	PART
framr-2989	154	24	idr	idr	VERB
framr-2989	154	25	473.67	473.67	NUM
framr-2989	154	26	trillion	trillion	NUM
framr-2989	154	27	,	,	PUNCT
framr-2989	154	28	which	which	PRON
framr-2989	154	29	resulted	result	VERB
framr-2989	154	30	in	in	ADP
framr-2989	154	31	a	a	DET
framr-2989	154	32	large	large	ADJ
framr-2989	154	33	increase	increase	NOUN
framr-2989	154	34	in	in	ADP
framr-2989	154	35	the	the	DET
framr-2989	154	36	lar	lar	NOUN
framr-2989	154	37	of	of	ADP
framr-2989	154	38	state	state	NOUN
framr-2989	154	39	owned	own	VERB
framr-2989	154	40	banks	bank	NOUN
framr-2989	154	41	,	,	PUNCT
framr-2989	154	42	namely	namely	ADV
framr-2989	154	43	bank	bank	NOUN
framr-2989	154	44	bri	bri	NOUN
framr-2989	154	45	by	by	ADP
framr-2989	154	46	28.28	28.28	NUM
framr-2989	154	47	%	%	NOUN
framr-2989	154	48	,	,	PUNCT
framr-2989	154	49	bank	bank	NOUN
framr-2989	154	50	mandiri	mandiri	NOUN
framr-2989	154	51	by	by	ADP
framr-2989	154	52	22.33	22.33	NUM
framr-2989	154	53	%	%	NOUN
framr-2989	154	54	,	,	PUNCT
framr-2989	154	55	bank	bank	PROPN
framr-2989	154	56	bni	bni	PROPN
framr-2989	154	57	by	by	ADP
framr-2989	154	58	28.74	28.74	NUM
framr-2989	154	59	%	%	NOUN
framr-2989	154	60	and	and	CCONJ
framr-2989	154	61	bank	bank	NOUN
framr-2989	154	62	btn	btn	NOUN
framr-2989	154	63	by	by	ADP
framr-2989	154	64	34.11	34.11	NUM
framr-2989	154	65	%	%	NOUN
framr-2989	154	66	.	.	PUNCT
framr-2989	155	1	in	in	ADP
framr-2989	155	2	2021	2021	NUM
framr-2989	155	3	economic	economic	ADJ
framr-2989	155	4	growth	growth	NOUN
framr-2989	155	5	has	have	AUX
framr-2989	155	6	been	be	AUX
framr-2989	155	7	positive	positive	ADJ
framr-2989	155	8	so	so	SCONJ
framr-2989	155	9	that	that	SCONJ
framr-2989	155	10	npl	npl	PROPN
framr-2989	155	11	and	and	CCONJ
framr-2989	155	12	lar	lar	PROPN
framr-2989	155	13	have	have	AUX
framr-2989	155	14	started	start	VERB
framr-2989	155	15	to	to	PART
framr-2989	155	16	decline	decline	VERB
framr-2989	155	17	and	and	CCONJ
framr-2989	155	18	the	the	DET
framr-2989	155	19	banking	banking	NOUN
framr-2989	155	20	performance	performance	NOUN
framr-2989	155	21	of	of	ADP
framr-2989	155	22	state	state	NOUN
framr-2989	155	23	owned	own	VERB
framr-2989	155	24	banks	bank	NOUN
framr-2989	155	25	has	have	AUX
framr-2989	155	26	started	start	VERB
framr-2989	155	27	to	to	PART
framr-2989	155	28	improve	improve	VERB
framr-2989	155	29	.	.	PUNCT
framr-2989	156	1	the	the	DET
framr-2989	156	2	increase	increase	NOUN
framr-2989	156	3	in	in	ADP
framr-2989	156	4	the	the	DET
framr-2989	156	5	npl	npl	NOUN
framr-2989	156	6	and	and	CCONJ
framr-2989	156	7	lar	lar	NOUN
framr-2989	156	8	of	of	ADP
framr-2989	156	9	state	state	NOUN
framr-2989	156	10	owned	own	VERB
framr-2989	156	11	banks	bank	NOUN
framr-2989	156	12	resulted	result	VERB
framr-2989	156	13	in	in	ADP
framr-2989	156	14	a	a	DET
framr-2989	156	15	decrease	decrease	NOUN
framr-2989	156	16	in	in	ADP
framr-2989	156	17	loan	loan	NOUN
framr-2989	156	18	productivity	productivity	NOUN
framr-2989	156	19	so	so	SCONJ
framr-2989	156	20	that	that	SCONJ
framr-2989	156	21	the	the	DET
framr-2989	156	22	nim	nim	PROPN
framr-2989	156	23	decreased	decrease	VERB
framr-2989	156	24	.	.	PUNCT
framr-2989	157	1	the	the	DET
framr-2989	157	2	increase	increase	NOUN
framr-2989	157	3	in	in	ADP
framr-2989	157	4	npl	npl	PROPN
framr-2989	157	5	and	and	CCONJ
framr-2989	157	6	lar	lar	PROPN
framr-2989	157	7	will	will	AUX
framr-2989	157	8	also	also	ADV
framr-2989	157	9	increase	increase	VERB
framr-2989	157	10	the	the	DET
framr-2989	157	11	burden	burden	NOUN
framr-2989	157	12	of	of	ADP
framr-2989	157	13	provision	provision	NOUN
framr-2989	157	14	for	for	ADP
framr-2989	157	15	losses	loss	NOUN
framr-2989	157	16	.	.	PUNCT
framr-2989	158	1	the	the	DET
framr-2989	158	2	increase	increase	NOUN
framr-2989	158	3	in	in	ADP
framr-2989	158	4	loss	loss	NOUN
framr-2989	158	5	reserves	reserve	NOUN
framr-2989	158	6	will	will	AUX
framr-2989	158	7	have	have	VERB
framr-2989	158	8	an	an	DET
framr-2989	158	9	impact	impact	NOUN
framr-2989	158	10	on	on	ADP
framr-2989	158	11	increasing	increase	VERB
framr-2989	158	12	on	on	ADP
framr-2989	158	13	banking	banking	NOUN
framr-2989	158	14	of	of	ADP
framr-2989	158	15	operational	operational	ADJ
framr-2989	158	16	costs	cost	NOUN
framr-2989	158	17	to	to	ADP
framr-2989	158	18	operating	operate	VERB
framr-2989	158	19	income	income	NOUN
framr-2989	158	20	(	(	PUNCT
framr-2989	158	21	ocoi	ocoi	NOUN
framr-2989	158	22	)	)	PUNCT
framr-2989	158	23	.	.	PUNCT
framr-2989	159	1	from	from	ADP
framr-2989	159	2	the	the	DET
framr-2989	159	3	results	result	NOUN
framr-2989	159	4	of	of	ADP
framr-2989	159	5	the	the	DET
framr-2989	159	6	different	different	ADJ
framr-2989	159	7	test	test	NOUN
framr-2989	159	8	(	(	PUNCT
framr-2989	159	9	t	t	NOUN
framr-2989	159	10	-	-	PUNCT
framr-2989	159	11	test	test	NOUN
framr-2989	159	12	)	)	PUNCT
framr-2989	159	13	,	,	PUNCT
framr-2989	159	14	the	the	DET
framr-2989	159	15	average	average	ADJ
framr-2989	159	16	npl	npl	NOUN
framr-2989	159	17	and	and	CCONJ
framr-2989	159	18	lar	lar	NOUN
framr-2989	159	19	of	of	ADP
framr-2989	159	20	state	state	NOUN
framr-2989	159	21	owned	own	VERB
framr-2989	159	22	banks	bank	NOUN
framr-2989	159	23	before	before	ADP
framr-2989	159	24	copid19	copid19	NOUN
framr-2989	159	25	were	be	AUX
framr-2989	159	26	2.63	2.63	NUM
framr-2989	159	27	%	%	NOUN
framr-2989	159	28	and	and	CCONJ
framr-2989	159	29	11.58	11.58	NUM
framr-2989	159	30	%	%	NOUN
framr-2989	159	31	respectively	respectively	ADV
framr-2989	159	32	,	,	PUNCT
framr-2989	159	33	after	after	SCONJ
framr-2989	159	34	the	the	DET
framr-2989	159	35	covid-19	covid-19	PROPN
framr-2989	159	36	the	the	DET
framr-2989	159	37	average	average	ADJ
framr-2989	159	38	npl	npl	NOUN
framr-2989	159	39	and	and	CCONJ
framr-2989	159	40	lar	lar	PROPN
framr-2989	159	41	increased	increase	VERB
framr-2989	159	42	respectively	respectively	ADV
framr-2989	159	43	to	to	ADP
framr-2989	159	44	3.52	3.52	NUM
framr-2989	159	45	%	%	NOUN
framr-2989	159	46	and	and	CCONJ
framr-2989	159	47	25.13	25.13	NUM
framr-2989	159	48	%	%	NOUN
framr-2989	159	49	.	.	PUNCT
framr-2989	160	1	the	the	DET
framr-2989	160	2	difference	difference	NOUN
framr-2989	160	3	between	between	ADP
framr-2989	160	4	npl	npl	PROPN
framr-2989	160	5	and	and	CCONJ
framr-2989	160	6	lar	lar	ADJ
framr-2989	160	7	before	before	ADV
framr-2989	160	8	and	and	CCONJ
framr-2989	160	9	after	after	ADP
framr-2989	160	10	covid-19	covid-19	PROPN
framr-2989	160	11	is	be	AUX
framr-2989	160	12	very	very	ADV
framr-2989	160	13	significant	significant	ADJ
framr-2989	160	14	.	.	PUNCT
framr-2989	161	1	deteriorating	deteriorate	VERB
framr-2989	161	2	credit	credit	NOUN
framr-2989	161	3	quality	quality	NOUN
framr-2989	161	4	/	/	SYM
framr-2989	161	5	increasing	increase	VERB
framr-2989	161	6	npl	npl	NOUN
framr-2989	161	7	and	and	CCONJ
framr-2989	161	8	lar	lar	PROPN
framr-2989	161	9	will	will	AUX
framr-2989	161	10	affect	affect	VERB
framr-2989	161	11	the	the	DET
framr-2989	161	12	profitability	profitability	NOUN
framr-2989	161	13	,	,	PUNCT
framr-2989	161	14	market	market	NOUN
framr-2989	161	15	capitalization	capitalization	NOUN
framr-2989	161	16	and	and	CCONJ
framr-2989	161	17	dividend	dividend	NOUN
framr-2989	161	18	policy	policy	NOUN
framr-2989	161	19	of	of	ADP
framr-2989	161	20	state	state	NOUN
framr-2989	161	21	owned	own	VERB
framr-2989	161	22	banks	bank	NOUN
framr-2989	161	23	.	.	PUNCT
framr-2989	162	1	the	the	DET
framr-2989	162	2	different	different	ADJ
framr-2989	162	3	tests	test	NOUN
framr-2989	162	4	(	(	PUNCT
framr-2989	162	5	t	t	NOUN
framr-2989	162	6	-	-	PUNCT
framr-2989	162	7	test	test	NOUN
framr-2989	162	8	)	)	PUNCT
framr-2989	162	9	of	of	ADP
framr-2989	162	10	market	market	NOUN
framr-2989	162	11	capitalization	capitalization	NOUN
framr-2989	162	12	,	,	PUNCT
framr-2989	162	13	profitability	profitability	NOUN
framr-2989	162	14	(	(	PUNCT
framr-2989	162	15	roa	roa	PROPN
framr-2989	162	16	,	,	PUNCT
framr-2989	162	17	nim	nim	PROPN
framr-2989	162	18	and	and	CCONJ
framr-2989	162	19	ocoi	ocoi	NOUN
framr-2989	162	20	)	)	PUNCT
framr-2989	162	21	,	,	PUNCT
framr-2989	162	22	credit	credit	NOUN
framr-2989	162	23	quality	quality	NOUN
framr-2989	162	24	(	(	PUNCT
framr-2989	162	25	npl	npl	NOUN
framr-2989	162	26	and	and	CCONJ
framr-2989	162	27	lar	lar	ADJ
framr-2989	162	28	)	)	PUNCT
framr-2989	162	29	,	,	PUNCT
framr-2989	162	30	liquidity	liquidity	NOUN
framr-2989	162	31	(	(	PUNCT
framr-2989	162	32	ldr	ldr	PROPN
framr-2989	162	33	)	)	PUNCT
framr-2989	162	34	and	and	CCONJ
framr-2989	162	35	dividend	dividend	NOUN
framr-2989	162	36	policy	policy	NOUN
framr-2989	162	37	(	(	PUNCT
framr-2989	162	38	dpr	dpr	PROPN
framr-2989	162	39	)	)	PUNCT
framr-2989	162	40	before	before	SCONJ
framr-2989	162	41	and	and	CCONJ
framr-2989	162	42	after	after	SCONJ
framr-2989	162	43	covid-19	covid-19	PROPN
framr-2989	162	44	are	be	AUX
framr-2989	162	45	presented	present	VERB
framr-2989	162	46	in	in	ADP
framr-2989	162	47	table	table	NOUN
framr-2989	162	48	2	2	NUM
framr-2989	162	49	.	.	PUNCT
framr-2989	162	50	table	table	NOUN
framr-2989	162	51	2	2	NUM
framr-2989	162	52	.	.	PUNCT
framr-2989	162	53	results	result	NOUN
framr-2989	162	54	of	of	ADP
framr-2989	162	55	different	different	ADJ
framr-2989	162	56	tests	test	NOUN
framr-2989	162	57	(	(	PUNCT
framr-2989	162	58	t	t	NOUN
framr-2989	162	59	-	-	PUNCT
framr-2989	162	60	test	test	NOUN
framr-2989	162	61	)	)	PUNCT
framr-2989	162	62	market	market	NOUN
framr-2989	162	63	capitalization	capitalization	NOUN
framr-2989	162	64	,	,	PUNCT
framr-2989	162	65	profitability	profitability	NOUN
framr-2989	162	66	,	,	PUNCT
framr-2989	162	67	credit	credit	NOUN
framr-2989	162	68	quality	quality	NOUN
framr-2989	162	69	,	,	PUNCT
framr-2989	162	70	liquidity	liquidity	NOUN
framr-2989	162	71	and	and	CCONJ
framr-2989	162	72	dividend	dividend	NOUN
framr-2989	162	73	policy	policy	NOUN
framr-2989	162	74	of	of	ADP
framr-2989	162	75	state	state	NOUN
framr-2989	162	76	owned	own	VERB
framr-2989	162	77	banks	bank	NOUN
framr-2989	162	78	before	before	ADP
framr-2989	162	79	and	and	CCONJ
framr-2989	162	80	after	after	ADP
framr-2989	162	81	covid-19	covid-19	PROPN
framr-2989	162	82	.	.	PUNCT
framr-2989	163	1	variable	variable	PROPN
framr-2989	163	2	average	average	NOUN
framr-2989	163	3	before	before	ADP
framr-2989	163	4	covid-19	covid-19	PROPN
framr-2989	163	5	average	average	NOUN
framr-2989	163	6	after	after	ADP
framr-2989	163	7	covid-19	covid-19	PROPN
framr-2989	163	8	sig.(2tailed	sig.(2tailed	NUM
framr-2989	163	9	)	)	PUNCT
framr-2989	163	10	remark	remark	NOUN
framr-2989	163	11	market	market	NOUN
framr-2989	163	12	capitalization	capitalization	NOUN
framr-2989	163	13	idr	idr	VERB
framr-2989	163	14	244.96	244.96	NUM
framr-2989	163	15	trillion	trillion	NUM
framr-2989	163	16	idr	idr	PROPN
framr-2989	163	17	214.63	214.63	NUM
framr-2989	163	18	trillion	trillion	NUM
framr-2989	163	19	0.000	0.000	NUM
framr-2989	163	20	different	different	ADJ
framr-2989	163	21	roa	roa	NOUN
framr-2989	163	22	2.54	2.54	NUM
framr-2989	163	23	%	%	NOUN
framr-2989	163	24	1.67	1.67	NUM
framr-2989	163	25	%	%	NOUN
framr-2989	163	26	0.000	0.000	NUM
framr-2989	163	27	different	different	ADJ
framr-2989	163	28	nim	nim	PROPN
framr-2989	163	29	5.44	5.44	NUM
framr-2989	163	30	%	%	NOUN
framr-2989	163	31	4.81	4.81	NUM
framr-2989	163	32	%	%	NOUN
framr-2989	163	33	0.000	0.000	NUM
framr-2989	163	34	different	different	ADJ
framr-2989	163	35	npl	npl	PROPN
framr-2989	163	36	2.63	2.63	NUM
framr-2989	163	37	%	%	NOUN
framr-2989	163	38	3.52	3.52	NUM
framr-2989	163	39	%	%	NOUN
framr-2989	163	40	0.000	0.000	NUM
framr-2989	163	41	different	different	ADJ
framr-2989	163	42	lar	lar	ADJ
framr-2989	163	43	11.58	11.58	NUM
framr-2989	163	44	%	%	NOUN
framr-2989	163	45	25.13	25.13	NUM
framr-2989	163	46	%	%	NOUN
framr-2989	163	47	0.000	0.000	NUM
framr-2989	163	48	different	different	ADJ
framr-2989	163	49	ocoi	ocoi	NOUN
framr-2989	163	50	74.21	74.21	NUM
framr-2989	163	51	%	%	NOUN
framr-2989	163	52	80.92	80.92	NUM
framr-2989	163	53	%	%	NOUN
framr-2989	163	54	0.000	0.000	NUM
framr-2989	163	55	different	different	ADJ
framr-2989	163	56	ldr	ldr	NOUN
framr-2989	163	57	96.71	96.71	NUM
framr-2989	163	58	%	%	NOUN
framr-2989	163	59	81.71	81.71	NUM
framr-2989	163	60	%	%	NOUN
framr-2989	163	61	0.000	0.000	NUM
framr-2989	163	62	different	different	ADJ
framr-2989	163	63	dpr	dpr	PROPN
framr-2989	163	64	36.88	36.88	NUM
framr-2989	163	65	%	%	NOUN
framr-2989	163	66	41.25	41.25	NUM
framr-2989	163	67	%	%	NOUN
framr-2989	163	68	0.067	0.067	NUM
framr-2989	163	69	not	not	PART
framr-2989	163	70	different	different	ADJ
framr-2989	163	71	due	due	ADP
framr-2989	163	72	to	to	ADP
framr-2989	163	73	the	the	DET
framr-2989	163	74	covid-19	covid-19	PROPN
framr-2989	163	75	pandemic	pandemic	NOUN
framr-2989	163	76	,	,	PUNCT
framr-2989	163	77	the	the	DET
framr-2989	163	78	profitability	profitability	NOUN
framr-2989	163	79	of	of	ADP
framr-2989	163	80	state	state	NOUN
framr-2989	163	81	owned	own	VERB
framr-2989	163	82	banks	bank	NOUN
framr-2989	163	83	has	have	AUX
framr-2989	163	84	decreased	decrease	VERB
framr-2989	163	85	.	.	PUNCT
framr-2989	164	1	the	the	DET
framr-2989	164	2	average	average	ADJ
framr-2989	164	3	profitability	profitability	NOUN
framr-2989	164	4	(	(	PUNCT
framr-2989	164	5	roa	roa	NOUN
framr-2989	164	6	)	)	PUNCT
framr-2989	164	7	of	of	ADP
framr-2989	164	8	state	state	NOUN
framr-2989	164	9	owned	own	VERB
framr-2989	164	10	banks	bank	NOUN
framr-2989	164	11	is	be	AUX
framr-2989	164	12	different	different	ADJ
framr-2989	164	13	,	,	PUNCT
framr-2989	164	14	before	before	ADP
framr-2989	164	15	covid-19	covid-19	PROPN
framr-2989	164	16	it	it	PRON
framr-2989	164	17	was	be	AUX
framr-2989	164	18	2.54	2.54	NUM
framr-2989	164	19	%	%	NOUN
framr-2989	164	20	and	and	CCONJ
framr-2989	164	21	after	after	ADP
framr-2989	164	22	covid-19	covid-19	PROPN
framr-2989	164	23	it	it	PRON
framr-2989	164	24	decreased	decrease	VERB
framr-2989	164	25	to	to	ADP
framr-2989	164	26	1.67	1.67	NUM
framr-2989	164	27	%	%	NOUN
framr-2989	164	28	.	.	PUNCT
framr-2989	165	1	the	the	DET
framr-2989	165	2	decline	decline	NOUN
framr-2989	165	3	in	in	ADP
framr-2989	165	4	profitability	profitability	NOUN
framr-2989	165	5	was	be	AUX
framr-2989	165	6	due	due	ADJ
framr-2989	165	7	to	to	ADP
framr-2989	165	8	worsening	worsen	VERB
framr-2989	165	9	credit	credit	NOUN
framr-2989	165	10	quality	quality	NOUN
framr-2989	165	11	,	,	PUNCT
framr-2989	165	12	namely	namely	ADV
framr-2989	165	13	the	the	DET
framr-2989	165	14	increase	increase	NOUN
framr-2989	165	15	in	in	ADP
framr-2989	165	16	the	the	DET
framr-2989	165	17	average	average	ADJ
framr-2989	165	18	npl	npl	NOUN
framr-2989	165	19	and	and	CCONJ
framr-2989	165	20	high	high	ADJ
framr-2989	165	21	financial	financial	ADJ
framr-2989	165	22	risk	risk	NOUN
framr-2989	165	23	and	and	CCONJ
framr-2989	165	24	management	management	NOUN
framr-2989	165	25	reviews	review	NOUN
framr-2989	165	26	,	,	PUNCT
framr-2989	165	27	2022	2022	NUM
framr-2989	165	28	,	,	PUNCT
framr-2989	165	29	8(1	8(1	NOUN
framr-2989	165	30	):	):	PUNCT
framr-2989	165	31	12	12	NUM
framr-2989	165	32	-	-	SYM
framr-2989	165	33	19	19	NUM
framr-2989	165	34	18	18	NUM
framr-2989	165	35	©	©	PROPN
framr-2989	165	36	2022	2022	NUM
framr-2989	165	37	conscientia	conscientia	PROPN
framr-2989	165	38	beam	beam	PROPN
framr-2989	165	39	.	.	PUNCT
framr-2989	166	1	all	all	DET
framr-2989	166	2	rights	right	NOUN
framr-2989	166	3	reserved	reserve	VERB
framr-2989	166	4	.	.	PUNCT
framr-2989	167	1	lar	lar	INTJ
framr-2989	167	2	which	which	PRON
framr-2989	167	3	resulted	result	VERB
framr-2989	167	4	in	in	ADP
framr-2989	167	5	the	the	DET
framr-2989	167	6	average	average	ADJ
framr-2989	167	7	nim	nim	NOUN
framr-2989	167	8	decreasing	decrease	VERB
framr-2989	167	9	from	from	ADP
framr-2989	167	10	5.44	5.44	NUM
framr-2989	167	11	%	%	NOUN
framr-2989	167	12	to	to	PART
framr-2989	167	13	4.81	4.81	NUM
framr-2989	167	14	%	%	NOUN
framr-2989	167	15	and	and	CCONJ
framr-2989	167	16	the	the	DET
framr-2989	167	17	average	average	ADJ
framr-2989	167	18	ocoi	ocoi	NOUN
framr-2989	167	19	increasing	increase	VERB
framr-2989	167	20	from	from	ADP
framr-2989	167	21	74.21	74.21	NUM
framr-2989	167	22	%	%	NOUN
framr-2989	167	23	to	to	ADP
framr-2989	167	24	80.92	80.92	NUM
framr-2989	167	25	%	%	NOUN
framr-2989	167	26	.	.	PUNCT
framr-2989	168	1	the	the	DET
framr-2989	168	2	restrictions	restriction	NOUN
framr-2989	168	3	on	on	ADP
framr-2989	168	4	social	social	ADJ
framr-2989	168	5	mobilization	mobilization	NOUN
framr-2989	168	6	of	of	ADP
framr-2989	168	7	the	the	DET
framr-2989	168	8	community	community	NOUN
framr-2989	168	9	and	and	CCONJ
framr-2989	168	10	the	the	DET
framr-2989	168	11	deteriorating	deteriorate	VERB
framr-2989	168	12	credit	credit	NOUN
framr-2989	168	13	quality	quality	NOUN
framr-2989	168	14	and	and	CCONJ
framr-2989	168	15	negative	negative	ADJ
framr-2989	168	16	economic	economic	ADJ
framr-2989	168	17	growth	growth	NOUN
framr-2989	168	18	in	in	ADP
framr-2989	168	19	2020	2020	NUM
framr-2989	168	20	resulted	result	VERB
framr-2989	168	21	in	in	ADP
framr-2989	168	22	state	state	NOUN
framr-2989	168	23	owned	own	VERB
framr-2989	168	24	banks	bank	NOUN
framr-2989	168	25	slightly	slightly	ADV
framr-2989	168	26	putting	put	VERB
framr-2989	168	27	the	the	DET
framr-2989	168	28	brakes	brake	NOUN
framr-2989	168	29	on	on	ADP
framr-2989	168	30	their	their	PRON
framr-2989	168	31	credit	credit	NOUN
framr-2989	168	32	distribution	distribution	NOUN
framr-2989	168	33	so	so	SCONJ
framr-2989	168	34	that	that	SCONJ
framr-2989	168	35	their	their	PRON
framr-2989	168	36	bank	bank	NOUN
framr-2989	168	37	liquidity	liquidity	NOUN
framr-2989	168	38	was	be	AUX
framr-2989	168	39	getting	get	VERB
framr-2989	168	40	better	well	ADJ
framr-2989	168	41	/	/	SYM
framr-2989	168	42	looser	looser	ADV
framr-2989	168	43	.	.	PUNCT
framr-2989	169	1	this	this	PRON
framr-2989	169	2	is	be	AUX
framr-2989	169	3	indicated	indicate	VERB
framr-2989	169	4	by	by	ADP
framr-2989	169	5	the	the	DET
framr-2989	169	6	average	average	ADJ
framr-2989	169	7	ldr	ldr	PROPN
framr-2989	169	8	before	before	ADP
framr-2989	169	9	covid-19	covid-19	PROPN
framr-2989	169	10	which	which	PRON
framr-2989	169	11	was	be	AUX
framr-2989	169	12	96.71	96.71	NUM
framr-2989	169	13	%	%	NOUN
framr-2989	169	14	,	,	PUNCT
framr-2989	169	15	which	which	PRON
framr-2989	169	16	decreased	decrease	VERB
framr-2989	169	17	to	to	ADP
framr-2989	169	18	81.71	81.71	NUM
framr-2989	169	19	%	%	NOUN
framr-2989	169	20	after	after	ADP
framr-2989	169	21	covid-19	covid-19	PROPN
framr-2989	169	22	.	.	PROPN
framr-2989	170	1	from	from	ADP
framr-2989	170	2	the	the	DET
framr-2989	170	3	different	different	ADJ
framr-2989	170	4	test	test	NOUN
framr-2989	170	5	(	(	PUNCT
framr-2989	170	6	t	t	NOUN
framr-2989	170	7	-	-	PUNCT
framr-2989	170	8	test	test	NOUN
framr-2989	170	9	)	)	PUNCT
framr-2989	170	10	roa	roa	PROPN
framr-2989	170	11	,	,	PUNCT
framr-2989	170	12	nim	nim	NOUN
framr-2989	170	13	,	,	PUNCT
framr-2989	170	14	ocoi	ocoi	NOUN
framr-2989	170	15	and	and	CCONJ
framr-2989	170	16	ldr	ldr	PROPN
framr-2989	170	17	are	be	AUX
framr-2989	170	18	all	all	ADV
framr-2989	170	19	significant	significant	ADJ
framr-2989	170	20	with	with	ADP
framr-2989	170	21	sig	sig	NOUN
framr-2989	170	22	.	.	PUNCT
framr-2989	171	1	(	(	PUNCT
framr-2989	171	2	2	2	NUM
framr-2989	171	3	tailed	tail	VERB
framr-2989	171	4	)	)	PUNCT
framr-2989	171	5	<	<	X
framr-2989	171	6	0.05	0.05	NUM
framr-2989	171	7	)	)	PUNCT
framr-2989	171	8	,	,	PUNCT
framr-2989	171	9	meaning	mean	VERB
framr-2989	171	10	that	that	SCONJ
framr-2989	171	11	there	there	PRON
framr-2989	171	12	is	be	VERB
framr-2989	171	13	a	a	DET
framr-2989	171	14	difference	difference	NOUN
framr-2989	171	15	in	in	ADP
framr-2989	171	16	average	average	ADJ
framr-2989	171	17	profitability	profitability	NOUN
framr-2989	171	18	and	and	CCONJ
framr-2989	171	19	liquidity	liquidity	NOUN
framr-2989	171	20	before	before	ADV
framr-2989	171	21	and	and	CCONJ
framr-2989	171	22	after	after	ADP
framr-2989	171	23	the	the	DET
framr-2989	171	24	covid-19	covid-19	PROPN
framr-2989	171	25	.	.	PUNCT
framr-2989	172	1	the	the	DET
framr-2989	172	2	decline	decline	NOUN
framr-2989	172	3	in	in	ADP
framr-2989	172	4	the	the	DET
framr-2989	172	5	profitability	profitability	NOUN
framr-2989	172	6	of	of	ADP
framr-2989	172	7	state	state	NOUN
framr-2989	172	8	owned	own	VERB
framr-2989	172	9	bank	bank	NOUN
framr-2989	172	10	will	will	AUX
framr-2989	172	11	certainly	certainly	ADV
framr-2989	172	12	affect	affect	VERB
framr-2989	172	13	the	the	DET
framr-2989	172	14	value	value	NOUN
framr-2989	172	15	of	of	ADP
framr-2989	172	16	its	its	PRON
framr-2989	172	17	market	market	NOUN
framr-2989	172	18	capitalization	capitalization	NOUN
framr-2989	172	19	.	.	PUNCT
framr-2989	173	1	the	the	DET
framr-2989	173	2	market	market	NOUN
framr-2989	173	3	capitalization	capitalization	NOUN
framr-2989	173	4	value	value	NOUN
framr-2989	173	5	of	of	ADP
framr-2989	173	6	state	state	NOUN
framr-2989	173	7	owned	own	VERB
framr-2989	173	8	banks	bank	NOUN
framr-2989	173	9	is	be	AUX
framr-2989	173	10	significantly	significantly	ADV
framr-2989	173	11	different	different	ADJ
framr-2989	173	12	.	.	PUNCT
framr-2989	174	1	the	the	DET
framr-2989	174	2	average	average	ADJ
framr-2989	174	3	market	market	NOUN
framr-2989	174	4	capitalization	capitalization	NOUN
framr-2989	174	5	of	of	ADP
framr-2989	174	6	state	state	NOUN
framr-2989	174	7	owned	own	VERB
framr-2989	174	8	banks	bank	NOUN
framr-2989	174	9	before	before	ADP
framr-2989	174	10	covid-19	covid-19	PROPN
framr-2989	174	11	was	be	AUX
framr-2989	174	12	idr	idr	PROPN
framr-2989	174	13	244.96	244.96	NUM
framr-2989	174	14	trillion	trillion	NUM
framr-2989	174	15	,	,	PUNCT
framr-2989	174	16	down	down	ADP
framr-2989	174	17	to	to	PART
framr-2989	174	18	idr	idr	VERB
framr-2989	174	19	214.63	214.63	NUM
framr-2989	174	20	trillion	trillion	NUM
framr-2989	174	21	after	after	ADP
framr-2989	174	22	the	the	DET
framr-2989	174	23	covid-19	covid-19	PROPN
framr-2989	174	24	.	.	PUNCT
framr-2989	175	1	a	a	DET
framr-2989	175	2	fairly	fairly	ADV
framr-2989	175	3	large	large	ADJ
framr-2989	175	4	decline	decline	NOUN
framr-2989	175	5	in	in	ADP
framr-2989	175	6	profitability	profitability	NOUN
framr-2989	175	7	is	be	AUX
framr-2989	175	8	not	not	PART
framr-2989	175	9	necessarily	necessarily	ADV
framr-2989	175	10	followed	follow	VERB
framr-2989	175	11	by	by	ADP
framr-2989	175	12	a	a	DET
framr-2989	175	13	large	large	ADJ
framr-2989	175	14	decrease	decrease	NOUN
framr-2989	175	15	in	in	ADP
framr-2989	175	16	dividend	dividend	NOUN
framr-2989	175	17	policy	policy	NOUN
framr-2989	175	18	.	.	PUNCT
framr-2989	176	1	the	the	DET
framr-2989	176	2	dividend	dividend	NOUN
framr-2989	176	3	policy	policy	NOUN
framr-2989	176	4	(	(	PUNCT
framr-2989	176	5	dpr	dpr	PROPN
framr-2989	176	6	)	)	PUNCT
framr-2989	176	7	both	both	CCONJ
framr-2989	176	8	before	before	ADP
framr-2989	176	9	and	and	CCONJ
framr-2989	176	10	after	after	ADP
framr-2989	176	11	covid-19	covid-19	PROPN
framr-2989	176	12	was	be	AUX
framr-2989	176	13	not	not	PART
framr-2989	176	14	significantly	significantly	ADV
framr-2989	176	15	different	different	ADJ
framr-2989	176	16	,	,	PUNCT
framr-2989	176	17	although	although	SCONJ
framr-2989	176	18	there	there	PRON
framr-2989	176	19	was	be	VERB
framr-2989	176	20	a	a	DET
framr-2989	176	21	slight	slight	ADJ
framr-2989	176	22	increase	increase	NOUN
framr-2989	176	23	,	,	PUNCT
framr-2989	176	24	namely	namely	ADV
framr-2989	176	25	the	the	DET
framr-2989	176	26	average	average	ADJ
framr-2989	176	27	dpr	dpr	PROPN
framr-2989	176	28	before	before	ADP
framr-2989	176	29	covid-19	covid-19	PROPN
framr-2989	176	30	was	be	AUX
framr-2989	176	31	36.88	36.88	NUM
framr-2989	176	32	%	%	NOUN
framr-2989	176	33	to	to	PART
framr-2989	176	34	41.25	41.25	NUM
framr-2989	176	35	%	%	NOUN
framr-2989	176	36	after	after	ADP
framr-2989	176	37	covid-19	covid-19	PROPN
framr-2989	176	38	.	.	PUNCT
framr-2989	177	1	the	the	DET
framr-2989	177	2	dividend	dividend	NOUN
framr-2989	177	3	policy	policy	NOUN
framr-2989	177	4	of	of	ADP
framr-2989	177	5	state	state	NOUN
framr-2989	177	6	owned	own	VERB
framr-2989	177	7	bank	bank	NOUN
framr-2989	177	8	is	be	AUX
framr-2989	177	9	not	not	PART
framr-2989	177	10	different	different	ADJ
framr-2989	177	11	because	because	SCONJ
framr-2989	177	12	the	the	DET
framr-2989	177	13	state	state	NOUN
framr-2989	177	14	owned	own	VERB
framr-2989	177	15	bank	bank	NOUN
framr-2989	177	16	's	's	PART
framr-2989	177	17	dividend	dividend	NOUN
framr-2989	177	18	policy	policy	NOUN
framr-2989	177	19	is	be	AUX
framr-2989	177	20	a	a	DET
framr-2989	177	21	little	little	ADJ
framr-2989	177	22	"	"	PUNCT
framr-2989	177	23	interference	interference	NOUN
framr-2989	177	24	"	"	PUNCT
framr-2989	177	25	from	from	ADP
framr-2989	177	26	the	the	DET
framr-2989	177	27	ministry	ministry	PROPN
framr-2989	177	28	of	of	ADP
framr-2989	177	29	soes	soe	NOUN
framr-2989	177	30	as	as	ADP
framr-2989	177	31	the	the	DET
framr-2989	177	32	majority	majority	NOUN
framr-2989	177	33	shareholder	shareholder	NOUN
framr-2989	177	34	.	.	PUNCT
framr-2989	178	1	however	however	ADV
framr-2989	178	2	,	,	PUNCT
framr-2989	178	3	the	the	DET
framr-2989	178	4	dividend	dividend	NOUN
framr-2989	178	5	payment	payment	NOUN
framr-2989	178	6	policy	policy	NOUN
framr-2989	178	7	of	of	ADP
framr-2989	178	8	state	state	NOUN
framr-2989	178	9	owned	own	VERB
framr-2989	178	10	banks	bank	NOUN
framr-2989	178	11	still	still	ADV
framr-2989	178	12	pays	pay	VERB
framr-2989	178	13	attention	attention	NOUN
framr-2989	178	14	to	to	ADP
framr-2989	178	15	performance	performance	NOUN
framr-2989	178	16	.	.	PUNCT
framr-2989	179	1	state	state	NOUN
framr-2989	179	2	owned	own	VERB
framr-2989	179	3	banks	bank	NOUN
framr-2989	179	4	with	with	ADP
framr-2989	179	5	good	good	ADJ
framr-2989	179	6	performance	performance	NOUN
framr-2989	179	7	(	(	PUNCT
framr-2989	179	8	still	still	ADV
framr-2989	179	9	good	good	ADJ
framr-2989	179	10	after	after	ADP
framr-2989	179	11	covid-19	covid-19	PROPN
framr-2989	179	12	)	)	PUNCT
framr-2989	179	13	,	,	PUNCT
framr-2989	179	14	such	such	ADJ
framr-2989	179	15	as	as	ADP
framr-2989	179	16	bri	bri	PROPN
framr-2989	179	17	the	the	DET
framr-2989	179	18	dividend	dividend	NOUN
framr-2989	179	19	policy	policy	NOUN
framr-2989	179	20	has	have	AUX
framr-2989	179	21	increased	increase	VERB
framr-2989	179	22	to	to	ADP
framr-2989	179	23	85	85	NUM
framr-2989	179	24	percent	percent	NOUN
framr-2989	179	25	and	and	CCONJ
framr-2989	179	26	mandiri	mandiri	VERB
framr-2989	179	27	the	the	DET
framr-2989	179	28	dividend	dividend	NOUN
framr-2989	179	29	payment	payment	NOUN
framr-2989	179	30	is	be	AUX
framr-2989	179	31	quite	quite	ADV
framr-2989	179	32	high	high	ADJ
framr-2989	179	33	at	at	ADP
framr-2989	179	34	60	60	NUM
framr-2989	179	35	percent	percent	NOUN
framr-2989	179	36	.	.	PUNCT
framr-2989	180	1	even	even	ADV
framr-2989	180	2	though	though	SCONJ
framr-2989	180	3	the	the	DET
framr-2989	180	4	profitability	profitability	NOUN
framr-2989	180	5	of	of	ADP
framr-2989	180	6	state	state	NOUN
framr-2989	180	7	owned	own	VERB
framr-2989	180	8	banks	bank	NOUN
framr-2989	180	9	has	have	AUX
framr-2989	180	10	decreased	decrease	VERB
framr-2989	180	11	,	,	PUNCT
framr-2989	180	12	the	the	DET
framr-2989	180	13	dividend	dividend	NOUN
framr-2989	180	14	policy	policy	NOUN
framr-2989	180	15	remains	remain	VERB
framr-2989	180	16	unchanged	unchanged	ADJ
framr-2989	180	17	and	and	CCONJ
framr-2989	180	18	this	this	PRON
framr-2989	180	19	has	have	VERB
framr-2989	180	20	a	a	DET
framr-2989	180	21	positive	positive	ADJ
framr-2989	180	22	effect	effect	NOUN
framr-2989	180	23	on	on	ADP
framr-2989	180	24	market	market	NOUN
framr-2989	180	25	capitalization	capitalization	NOUN
framr-2989	180	26	.	.	PUNCT
framr-2989	181	1	this	this	DET
framr-2989	181	2	finding	finding	NOUN
framr-2989	181	3	supports	support	VERB
framr-2989	181	4	the	the	DET
framr-2989	181	5	bird	bird	NOUN
framr-2989	181	6	in	in	ADP
framr-2989	181	7	the	the	DET
framr-2989	181	8	hand	hand	NOUN
framr-2989	181	9	theory	theory	NOUN
framr-2989	181	10	where	where	SCONJ
framr-2989	181	11	dividend	dividend	NOUN
framr-2989	181	12	policy	policy	NOUN
framr-2989	181	13	gives	give	VERB
framr-2989	181	14	a	a	DET
framr-2989	181	15	positive	positive	ADJ
framr-2989	181	16	signal	signal	NOUN
framr-2989	181	17	to	to	ADP
framr-2989	181	18	investors	investor	NOUN
framr-2989	181	19	.	.	PUNCT
framr-2989	182	1	this	this	PRON
framr-2989	182	2	illustrates	illustrate	VERB
framr-2989	182	3	that	that	SCONJ
framr-2989	182	4	most	most	ADJ
framr-2989	182	5	state	state	NOUN
framr-2989	182	6	owned	own	VERB
framr-2989	182	7	bank	bank	NOUN
framr-2989	182	8	investors	investor	NOUN
framr-2989	182	9	are	be	AUX
framr-2989	182	10	more	more	ADJ
framr-2989	182	11	risk	risk	NOUN
framr-2989	182	12	averse	averse	ADJ
framr-2989	182	13	.	.	PUNCT
framr-2989	183	1	5	5	X
framr-2989	183	2	.	.	X
framr-2989	183	3	conclusions	conclusion	NOUN
framr-2989	183	4	and	and	CCONJ
framr-2989	183	5	recommendation	recommendation	NOUN
framr-2989	183	6	5.1	5.1	NUM
framr-2989	183	7	.	.	PUNCT
framr-2989	184	1	conclusion	conclusion	NOUN
framr-2989	184	2	1	1	NUM
framr-2989	184	3	.	.	PUNCT
framr-2989	185	1	there	there	PRON
framr-2989	185	2	are	be	VERB
framr-2989	185	3	differences	difference	NOUN
framr-2989	185	4	in	in	ADP
framr-2989	185	5	the	the	DET
framr-2989	185	6	performance	performance	NOUN
framr-2989	185	7	of	of	ADP
framr-2989	185	8	state	state	NOUN
framr-2989	185	9	owned	own	VERB
framr-2989	185	10	banks	bank	NOUN
framr-2989	185	11	before	before	ADP
framr-2989	185	12	and	and	CCONJ
framr-2989	185	13	after	after	ADP
framr-2989	185	14	the	the	DET
framr-2989	185	15	covid-19	covid-19	PROPN
framr-2989	185	16	.	.	PROPN
framr-2989	185	17	profitability	profitability	NOUN
framr-2989	185	18	and	and	CCONJ
framr-2989	185	19	market	market	NOUN
framr-2989	185	20	capitalization	capitalization	NOUN
framr-2989	185	21	have	have	AUX
framr-2989	185	22	decreased	decrease	VERB
framr-2989	185	23	,	,	PUNCT
framr-2989	185	24	credit	credit	NOUN
framr-2989	185	25	quality	quality	NOUN
framr-2989	185	26	has	have	AUX
framr-2989	185	27	deteriorated	deteriorate	VERB
framr-2989	185	28	and	and	CCONJ
framr-2989	185	29	only	only	ADV
framr-2989	185	30	liquidity	liquidity	NOUN
framr-2989	185	31	has	have	AUX
framr-2989	185	32	improved	improve	VERB
framr-2989	185	33	.	.	PUNCT
framr-2989	186	1	2	2	X
framr-2989	186	2	.	.	X
framr-2989	186	3	there	there	PRON
framr-2989	186	4	is	be	VERB
framr-2989	186	5	not	not	PART
framr-2989	186	6	difference	difference	NOUN
framr-2989	186	7	in	in	ADP
framr-2989	186	8	the	the	DET
framr-2989	186	9	dividend	dividend	NOUN
framr-2989	186	10	policy	policy	NOUN
framr-2989	186	11	of	of	ADP
framr-2989	186	12	state	state	NOUN
framr-2989	186	13	owned	own	VERB
framr-2989	186	14	banks	bank	NOUN
framr-2989	186	15	before	before	ADP
framr-2989	186	16	and	and	CCONJ
framr-2989	186	17	after	after	ADP
framr-2989	186	18	the	the	DET
framr-2989	186	19	covid-19	covid-19	PROPN
framr-2989	186	20	.	.	PROPN
framr-2989	187	1	5.2	5.2	NUM
framr-2989	187	2	.	.	PUNCT
framr-2989	188	1	recommendation	recommendation	NOUN
framr-2989	188	2	1	1	NUM
framr-2989	188	3	.	.	PUNCT
framr-2989	189	1	the	the	DET
framr-2989	189	2	deteriorating	deteriorate	VERB
framr-2989	189	3	credit	credit	NOUN
framr-2989	189	4	quality	quality	NOUN
framr-2989	189	5	of	of	ADP
framr-2989	189	6	state	state	NOUN
framr-2989	189	7	owned	own	VERB
framr-2989	189	8	banks	bank	NOUN
framr-2989	189	9	must	must	AUX
framr-2989	189	10	be	be	AUX
framr-2989	189	11	taken	take	VERB
framr-2989	189	12	seriously	seriously	ADV
framr-2989	189	13	by	by	ADP
framr-2989	189	14	management	management	NOUN
framr-2989	189	15	,	,	PUNCT
framr-2989	189	16	given	give	VERB
framr-2989	189	17	that	that	SCONJ
framr-2989	189	18	the	the	DET
framr-2989	189	19	deteriorating	deteriorate	VERB
framr-2989	189	20	credit	credit	NOUN
framr-2989	189	21	quality	quality	NOUN
framr-2989	189	22	reduces	reduce	VERB
framr-2989	189	23	loan	loan	NOUN
framr-2989	189	24	productivity	productivity	NOUN
framr-2989	189	25	and	and	CCONJ
framr-2989	189	26	increases	increase	VERB
framr-2989	189	27	reserves	reserve	NOUN
framr-2989	189	28	for	for	ADP
framr-2989	189	29	losses	loss	NOUN
framr-2989	189	30	which	which	PRON
framr-2989	189	31	have	have	VERB
framr-2989	189	32	a	a	DET
framr-2989	189	33	direct	direct	ADJ
framr-2989	189	34	impact	impact	NOUN
framr-2989	189	35	on	on	ADP
framr-2989	189	36	profitability	profitability	NOUN
framr-2989	189	37	.	.	PUNCT
framr-2989	190	1	2	2	X
framr-2989	190	2	.	.	X
framr-2989	190	3	state	state	NOUN
framr-2989	190	4	owned	own	VERB
framr-2989	190	5	banks	bank	NOUN
framr-2989	190	6	should	should	AUX
framr-2989	190	7	maintain	maintain	VERB
framr-2989	190	8	their	their	PRON
framr-2989	190	9	dividend	dividend	NOUN
framr-2989	190	10	policy	policy	NOUN
framr-2989	190	11	and	and	CCONJ
framr-2989	190	12	benchmark	benchmark	ADJ
framr-2989	190	13	other	other	ADJ
framr-2989	190	14	banks	bank	NOUN
framr-2989	190	15	so	so	SCONJ
framr-2989	190	16	that	that	SCONJ
framr-2989	190	17	their	their	PRON
framr-2989	190	18	dividend	dividend	NOUN
framr-2989	190	19	policy	policy	NOUN
framr-2989	190	20	is	be	AUX
framr-2989	190	21	reasonable	reasonable	ADJ
framr-2989	190	22	and	and	CCONJ
framr-2989	190	23	not	not	PART
framr-2989	190	24	high	high	ADJ
framr-2989	190	25	.	.	PUNCT
framr-2989	191	1	funding	funding	NOUN
framr-2989	191	2	:	:	PUNCT
framr-2989	191	3	this	this	DET
framr-2989	191	4	study	study	NOUN
framr-2989	191	5	received	receive	VERB
framr-2989	191	6	no	no	DET
framr-2989	191	7	specific	specific	ADJ
framr-2989	191	8	financial	financial	ADJ
framr-2989	191	9	support	support	NOUN
framr-2989	191	10	.	.	PUNCT
framr-2989	192	1	competing	compete	VERB
framr-2989	192	2	interests	interest	NOUN
framr-2989	192	3	:	:	PUNCT
framr-2989	192	4	the	the	DET
framr-2989	192	5	authors	author	NOUN
framr-2989	192	6	declare	declare	VERB
framr-2989	192	7	that	that	SCONJ
framr-2989	192	8	they	they	PRON
framr-2989	192	9	have	have	VERB
framr-2989	192	10	no	no	DET
framr-2989	192	11	competing	compete	VERB
framr-2989	192	12	interests	interest	NOUN
framr-2989	192	13	.	.	PUNCT
framr-2989	193	1	authors	author	NOUN
framr-2989	193	2	’	'	PUNCT
framr-2989	193	3	contributions	contribution	NOUN
framr-2989	193	4	:	:	PUNCT
framr-2989	193	5	all	all	DET
framr-2989	193	6	authors	author	NOUN
framr-2989	193	7	contributed	contribute	VERB
framr-2989	193	8	equally	equally	ADV
framr-2989	193	9	to	to	ADP
framr-2989	193	10	the	the	DET
framr-2989	193	11	conception	conception	NOUN
framr-2989	193	12	and	and	CCONJ
framr-2989	193	13	design	design	NOUN
framr-2989	193	14	of	of	ADP
framr-2989	193	15	the	the	DET
framr-2989	193	16	study	study	NOUN
framr-2989	193	17	.	.	PUNCT
framr-2989	194	1	references	reference	NOUN
framr-2989	194	2	budisantoso	budisantoso	ADV
framr-2989	194	3	,	,	PUNCT
framr-2989	194	4	t.	t.	PROPN
framr-2989	194	5	,	,	PUNCT
framr-2989	194	6	&	&	CCONJ
framr-2989	194	7	nuritomo	nuritomo	NOUN
framr-2989	194	8	.	.	PUNCT
framr-2989	195	1	(	(	PUNCT
framr-2989	195	2	2017	2017	NUM
framr-2989	195	3	)	)	PUNCT
framr-2989	195	4	.	.	PUNCT
framr-2989	196	1	banks	bank	NOUN
framr-2989	196	2	and	and	CCONJ
framr-2989	196	3	other	other	ADJ
framr-2989	196	4	financial	financial	ADJ
framr-2989	196	5	institutions	institution	NOUN
framr-2989	196	6	.	.	PUNCT
framr-2989	197	1	jakarta	jakarta	PROPN
framr-2989	197	2	:	:	PUNCT
framr-2989	197	3	salemba	salemba	PROPN
framr-2989	197	4	empat	empat	PROPN
framr-2989	197	5	.	.	PUNCT
framr-2989	198	1	creswell	creswell	PROPN
framr-2989	198	2	,	,	PUNCT
framr-2989	198	3	j.	j.	PROPN
framr-2989	198	4	w.	w.	PROPN
framr-2989	198	5	,	,	PUNCT
framr-2989	198	6	&	&	CCONJ
framr-2989	198	7	david	david	PROPN
framr-2989	198	8	,	,	PUNCT
framr-2989	198	9	c.	c.	PROPN
framr-2989	198	10	j.	j.	PROPN
framr-2989	198	11	(	(	PUNCT
framr-2989	198	12	2018	2018	NUM
framr-2989	198	13	)	)	PUNCT
framr-2989	198	14	.	.	PUNCT
framr-2989	199	1	research	research	NOUN
framr-2989	199	2	design	design	NOUN
framr-2989	199	3	qualitative	qualitative	NOUN
framr-2989	199	4	,	,	PUNCT
framr-2989	199	5	quantitative	quantitative	ADJ
framr-2989	199	6	,	,	PUNCT
framr-2989	199	7	and	and	CCONJ
framr-2989	199	8	mixed	mixed	ADJ
framr-2989	199	9	methods	method	NOUN
framr-2989	199	10	approaches	approach	NOUN
framr-2989	199	11	(	(	PUNCT
framr-2989	199	12	5th	5th	ADJ
framr-2989	199	13	ed	ed	NOUN
framr-2989	199	14	.	.	PUNCT
framr-2989	199	15	)	)	PUNCT
framr-2989	199	16	.	.	PUNCT
framr-2989	200	1	usa	usa	NOUN
framr-2989	200	2	:	:	PUNCT
framr-2989	200	3	sage	sage	NOUN
framr-2989	200	4	publications	publication	NOUN
framr-2989	200	5	,	,	PUNCT
framr-2989	200	6	inc	inc	PROPN
framr-2989	200	7	.	.	PROPN
framr-2989	200	8	ghozali	ghozali	PROPN
framr-2989	200	9	,	,	PUNCT
framr-2989	200	10	i.	i.	PROPN
framr-2989	200	11	(	(	PUNCT
framr-2989	200	12	2018	2018	NUM
framr-2989	200	13	)	)	PUNCT
framr-2989	200	14	.	.	PUNCT
framr-2989	201	1	multivariate	multivariate	VERB
framr-2989	201	2	analysis	analysis	NOUN
framr-2989	201	3	application	application	NOUN
framr-2989	201	4	with	with	ADP
framr-2989	201	5	ibm	ibm	PROPN
framr-2989	201	6	spss	spss	PROPN
framr-2989	201	7	25	25	NUM
framr-2989	201	8	program	program	NOUN
framr-2989	201	9	.	.	PUNCT
framr-2989	202	1	semarang	semarang	PROPN
framr-2989	202	2	:	:	PUNCT
framr-2989	202	3	publishing	publish	VERB
framr-2989	202	4	agency	agency	NOUN
framr-2989	202	5	diponegoro	diponegoro	PROPN
framr-2989	202	6	university	university	PROPN
framr-2989	202	7	.	.	PUNCT
framr-2989	203	1	gumanti	gumanti	PROPN
framr-2989	203	2	,	,	PUNCT
framr-2989	203	3	t.	t.	NOUN
framr-2989	203	4	a.	a.	NOUN
framr-2989	203	5	(	(	PUNCT
framr-2989	203	6	2013	2013	NUM
framr-2989	203	7	)	)	PUNCT
framr-2989	203	8	.	.	PUNCT
framr-2989	204	1	dividend	dividend	NOUN
framr-2989	204	2	policy	policy	NOUN
framr-2989	204	3	theory	theory	NOUN
framr-2989	204	4	,	,	PUNCT
framr-2989	204	5	empirical	empirical	ADJ
framr-2989	204	6	and	and	CCONJ
framr-2989	204	7	implications	implication	NOUN
framr-2989	204	8	.	.	PUNCT
framr-2989	205	1	yogyakarta	yogyakarta	PROPN
framr-2989	205	2	:	:	PUNCT
framr-2989	206	1	upp	upp	PROPN
framr-2989	206	2	stim	stim	VERB
framr-2989	206	3	ykpn	ykpn	ADJ
framr-2989	206	4	publisher	publisher	NOUN
framr-2989	206	5	.	.	PUNCT
framr-2989	207	1	financial	financial	ADJ
framr-2989	207	2	risk	risk	NOUN
framr-2989	207	3	and	and	CCONJ
framr-2989	207	4	management	management	NOUN
framr-2989	207	5	reviews	review	NOUN
framr-2989	207	6	,	,	PUNCT
framr-2989	207	7	2022	2022	NUM
framr-2989	207	8	,	,	PUNCT
framr-2989	207	9	8(1	8(1	NOUN
framr-2989	207	10	):	):	PUNCT
framr-2989	207	11	12	12	NUM
framr-2989	207	12	-	-	SYM
framr-2989	207	13	19	19	NUM
framr-2989	207	14	19	19	NUM
framr-2989	207	15	©	©	PROPN
framr-2989	207	16	2022	2022	NUM
framr-2989	207	17	conscientia	conscientia	PROPN
framr-2989	207	18	beam	beam	PROPN
framr-2989	207	19	.	.	PUNCT
framr-2989	208	1	all	all	DET
framr-2989	208	2	rights	right	NOUN
framr-2989	208	3	reserved	reserve	VERB
framr-2989	208	4	.	.	PUNCT
framr-2989	209	1	hartono	hartono	PROPN
framr-2989	209	2	,	,	PUNCT
framr-2989	209	3	j.	j.	PROPN
framr-2989	209	4	(	(	PUNCT
framr-2989	209	5	2016	2016	NUM
framr-2989	209	6	)	)	PUNCT
framr-2989	209	7	.	.	PUNCT
framr-2989	210	1	portfolio	portfolio	NOUN
framr-2989	210	2	theory	theory	NOUN
framr-2989	210	3	and	and	CCONJ
framr-2989	210	4	investment	investment	NOUN
framr-2989	210	5	analysis	analysis	NOUN
framr-2989	210	6	(	(	PUNCT
framr-2989	210	7	11th	11th	ADJ
framr-2989	210	8	ed	ed	NOUN
framr-2989	210	9	.	.	PUNCT
framr-2989	210	10	)	)	PUNCT
framr-2989	210	11	.	.	PUNCT
framr-2989	211	1	yogyakarta	yogyakarta	PROPN
framr-2989	211	2	:	:	PUNCT
framr-2989	212	1	bpfe	bpfe	PROPN
framr-2989	212	2	.	.	PUNCT
framr-2989	213	1	hasan	hasan	PROPN
framr-2989	213	2	,	,	PUNCT
framr-2989	213	3	m.	m.	PROPN
framr-2989	213	4	s.	s.	PROPN
framr-2989	213	5	a.	a.	PROPN
framr-2989	213	6	,	,	PUNCT
framr-2989	213	7	manurung	manurung	PROPN
framr-2989	213	8	,	,	PUNCT
framr-2989	213	9	a.	a.	PROPN
framr-2989	213	10	h.	h.	PROPN
framr-2989	213	11	,	,	PUNCT
framr-2989	213	12	&	&	CCONJ
framr-2989	213	13	usman	usman	PROPN
framr-2989	213	14	,	,	PUNCT
framr-2989	213	15	b.	b.	PROPN
framr-2989	213	16	(	(	PUNCT
framr-2989	213	17	2020	2020	NUM
framr-2989	213	18	)	)	PUNCT
framr-2989	213	19	.	.	PUNCT
framr-2989	214	1	determinants	determinant	NOUN
framr-2989	214	2	of	of	ADP
framr-2989	214	3	bank	bank	NOUN
framr-2989	214	4	profitability	profitability	NOUN
framr-2989	214	5	with	with	ADP
framr-2989	214	6	size	size	NOUN
framr-2989	214	7	as	as	ADP
framr-2989	214	8	moderating	moderate	VERB
framr-2989	214	9	variable	variable	NOUN
framr-2989	214	10	.	.	PUNCT
framr-2989	215	1	journal	journal	PROPN
framr-2989	215	2	of	of	ADP
framr-2989	215	3	applied	apply	VERB
framr-2989	215	4	finance	finance	NOUN
framr-2989	215	5	and	and	CCONJ
framr-2989	215	6	banking	banking	NOUN
framr-2989	215	7	,	,	PUNCT
framr-2989	215	8	10(3	10(3	NUM
framr-2989	215	9	)	)	PUNCT
framr-2989	215	10	,	,	PUNCT
framr-2989	215	11	153	153	NUM
framr-2989	215	12	-	-	SYM
framr-2989	215	13	166	166	NUM
framr-2989	215	14	.	.	PUNCT
framr-2989	216	1	hery	hery	NOUN
framr-2989	216	2	.	.	PUNCT
framr-2989	217	1	(	(	PUNCT
framr-2989	217	2	2019	2019	NUM
framr-2989	217	3	)	)	PUNCT
framr-2989	217	4	.	.	PUNCT
framr-2989	218	1	banking	banking	NOUN
framr-2989	218	2	management	management	NOUN
framr-2989	218	3	.	.	PUNCT
framr-2989	219	1	jakarta	jakarta	PROPN
framr-2989	219	2	:	:	PUNCT
framr-2989	219	3	publisher	publisher	PROPN
framr-2989	219	4	pt	pt	PROPN
framr-2989	219	5	.	.	PROPN
framr-2989	219	6	grasindo	grasindo	PROPN
framr-2989	219	7	.	.	PUNCT
framr-2989	220	1	indonesian	indonesian	PROPN
framr-2989	220	2	bankers	bankers	PROPN
framr-2989	220	3	association	association	PROPN
framr-2989	220	4	.	.	PUNCT
framr-2989	221	1	(	(	PUNCT
framr-2989	221	2	2016	2016	NUM
framr-2989	221	3	)	)	PUNCT
framr-2989	221	4	.	.	PUNCT
framr-2989	222	1	understanding	understand	VERB
framr-2989	222	2	bank	bank	NOUN
framr-2989	222	3	business	business	NOUN
framr-2989	222	4	(	(	PUNCT
framr-2989	222	5	2nd	2nd	ADJ
framr-2989	222	6	ed	ed	NOUN
framr-2989	222	7	.	.	PUNCT
framr-2989	222	8	)	)	PUNCT
framr-2989	222	9	.	.	PUNCT
framr-2989	223	1	jakarta	jakarta	PROPN
framr-2989	223	2	:	:	PUNCT
framr-2989	223	3	pt	pt	PROPN
framr-2989	223	4	.	.	PROPN
framr-2989	223	5	gramedia	gramedia	PROPN
framr-2989	223	6	pustaka	pustaka	ADJ
framr-2989	223	7	utama	utama	PROPN
framr-2989	223	8	.	.	PUNCT
framr-2989	224	1	indonesian	indonesian	ADJ
framr-2989	224	2	bankers	bankers	PROPN
framr-2989	224	3	association	association	PROPN
framr-2989	224	4	.	.	PUNCT
framr-2989	225	1	(	(	PUNCT
framr-2989	225	2	2018	2018	NUM
framr-2989	225	3	)	)	PUNCT
framr-2989	225	4	.	.	PUNCT
framr-2989	226	1	healthy	healthy	ADJ
framr-2989	226	2	credit	credit	NOUN
framr-2989	226	3	management	management	NOUN
framr-2989	226	4	(	(	PUNCT
framr-2989	226	5	4th	4th	ADJ
framr-2989	226	6	ed	ed	NOUN
framr-2989	226	7	.	.	PUNCT
framr-2989	226	8	)	)	PUNCT
framr-2989	226	9	.	.	PUNCT
framr-2989	227	1	jakarta	jakarta	PROPN
framr-2989	227	2	:	:	PUNCT
framr-2989	227	3	pt	pt	PROPN
framr-2989	227	4	.	.	PROPN
framr-2989	227	5	gramedia	gramedia	PROPN
framr-2989	227	6	pustaka	pustaka	ADJ
framr-2989	227	7	utama	utama	PROPN
framr-2989	227	8	.	.	PUNCT
framr-2989	228	1	kabbani	kabbani	PROPN
framr-2989	228	2	,	,	PUNCT
framr-2989	228	3	r.	r.	PROPN
framr-2989	228	4	,	,	PUNCT
framr-2989	228	5	richter	richter	PROPN
framr-2989	228	6	,	,	PUNCT
framr-2989	228	7	c.	c.	PROPN
framr-2989	228	8	,	,	PUNCT
framr-2989	228	9	&	&	CCONJ
framr-2989	228	10	elbannan	elbannan	PROPN
framr-2989	228	11	,	,	PUNCT
framr-2989	228	12	m.	m.	NOUN
framr-2989	228	13	(	(	PUNCT
framr-2989	228	14	2020	2020	NUM
framr-2989	228	15	)	)	PUNCT
framr-2989	228	16	.	.	PUNCT
framr-2989	229	1	determining	determine	VERB
framr-2989	229	2	dividend	dividend	NOUN
framr-2989	229	3	payouts	payout	NOUN
framr-2989	229	4	of	of	ADP
framr-2989	229	5	the	the	DET
framr-2989	229	6	mena	mena	PROPN
framr-2989	229	7	banking	banking	PROPN
framr-2989	229	8	industry	industry	NOUN
framr-2989	229	9	:	:	PUNCT
framr-2989	229	10	a	a	DET
framr-2989	229	11	probit	probit	NOUN
framr-2989	229	12	approach	approach	NOUN
framr-2989	229	13	.	.	PUNCT
framr-2989	230	1	economics	economic	NOUN
framr-2989	230	2	and	and	CCONJ
framr-2989	230	3	business	business	NOUN
framr-2989	230	4	letters	letter	NOUN
framr-2989	230	5	,	,	PUNCT
framr-2989	230	6	9(3	9(3	NUM
framr-2989	230	7	)	)	PUNCT
framr-2989	230	8	,	,	PUNCT
framr-2989	230	9	221-229.available	221-229.available	NUM
framr-2989	230	10	at	at	ADP
framr-2989	230	11	:	:	PUNCT
framr-2989	230	12	https://doi.org/10.17811/ebl.9.3.2020.221-229	https://doi.org/10.17811/ebl.9.3.2020.221-229	PROPN
framr-2989	230	13	.	.	PUNCT
framr-2989	231	1	karamoy	karamoy	PROPN
framr-2989	231	2	,	,	PUNCT
framr-2989	231	3	h.	h.	PROPN
framr-2989	231	4	k.	k.	PROPN
framr-2989	231	5	,	,	PUNCT
framr-2989	231	6	&	&	CCONJ
framr-2989	231	7	joy	joy	PROPN
framr-2989	231	8	,	,	PUNCT
framr-2989	231	9	t.	t.	PROPN
framr-2989	231	10	e.	e.	PROPN
framr-2989	231	11	(	(	PUNCT
framr-2989	231	12	2020	2020	NUM
framr-2989	231	13	)	)	PUNCT
framr-2989	231	14	.	.	PUNCT
framr-2989	232	1	the	the	DET
framr-2989	232	2	impact	impact	NOUN
framr-2989	232	3	of	of	ADP
framr-2989	232	4	banking	banking	NOUN
framr-2989	232	5	risk	risk	NOUN
framr-2989	232	6	on	on	ADP
framr-2989	232	7	regional	regional	ADJ
framr-2989	232	8	development	development	NOUN
framr-2989	232	9	banks	bank	NOUN
framr-2989	232	10	in	in	ADP
framr-2989	232	11	indonesia	indonesia	PROPN
framr-2989	232	12	.	.	PUNCT
framr-2989	233	1	banks	bank	NOUN
framr-2989	233	2	and	and	CCONJ
framr-2989	233	3	bank	bank	NOUN
framr-2989	233	4	systems	system	NOUN
framr-2989	233	5	,	,	PUNCT
framr-2989	233	6	15(2	15(2	NUM
framr-2989	233	7	)	)	PUNCT
framr-2989	233	8	,	,	PUNCT
framr-2989	233	9	130-137.available	130-137.available	NUM
framr-2989	233	10	at	at	ADP
framr-2989	233	11	:	:	PUNCT
framr-2989	233	12	https://doi.org/10.21511/bbs.15(2).2020.12	https://doi.org/10.21511/bbs.15(2).2020.12	NOUN
framr-2989	233	13	.	.	X
framr-2989	233	14	latumaerissa	latumaerissa	NOUN
framr-2989	233	15	,	,	PUNCT
framr-2989	233	16	j.	j.	PROPN
framr-2989	233	17	r.	r.	PROPN
framr-2989	233	18	(	(	PUNCT
framr-2989	233	19	2017	2017	NUM
framr-2989	233	20	)	)	PUNCT
framr-2989	233	21	.	.	PUNCT
framr-2989	234	1	banks	bank	NOUN
framr-2989	234	2	and	and	CCONJ
framr-2989	234	3	other	other	ADJ
framr-2989	234	4	financial	financial	ADJ
framr-2989	234	5	institutions	institution	NOUN
framr-2989	234	6	,	,	PUNCT
framr-2989	234	7	theory	theory	NOUN
framr-2989	234	8	and	and	CCONJ
framr-2989	234	9	policy	policy	NOUN
framr-2989	234	10	.	.	PUNCT
framr-2989	235	1	jakarta	jakarta	PROPN
framr-2989	235	2	:	:	PUNCT
framr-2989	235	3	media	medium	NOUN
framr-2989	235	4	discourse	discourse	NOUN
framr-2989	235	5	partners	partner	NOUN
framr-2989	235	6	.	.	PUNCT
framr-2989	236	1	li	li	PROPN
framr-2989	236	2	,	,	PUNCT
framr-2989	236	3	x.	x.	PROPN
framr-2989	236	4	,	,	PUNCT
framr-2989	236	5	feng	feng	PROPN
framr-2989	236	6	,	,	PUNCT
framr-2989	236	7	h.	h.	PROPN
framr-2989	236	8	,	,	PUNCT
framr-2989	236	9	zhao	zhao	PROPN
framr-2989	236	10	,	,	PUNCT
framr-2989	236	11	s.	s.	PROPN
framr-2989	236	12	,	,	PUNCT
framr-2989	236	13	&	&	CCONJ
framr-2989	236	14	carter	carter	PROPN
framr-2989	236	15	,	,	PUNCT
framr-2989	236	16	d.	d.	PROPN
framr-2989	236	17	a.	a.	PROPN
framr-2989	236	18	(	(	PUNCT
framr-2989	236	19	2021	2021	NUM
framr-2989	236	20	)	)	PUNCT
framr-2989	236	21	.	.	PUNCT
framr-2989	237	1	the	the	DET
framr-2989	237	2	effect	effect	NOUN
framr-2989	237	3	of	of	ADP
framr-2989	237	4	revenue	revenue	NOUN
framr-2989	237	5	diversification	diversification	NOUN
framr-2989	237	6	on	on	ADP
framr-2989	237	7	bank	bank	NOUN
framr-2989	237	8	profitability	profitability	NOUN
framr-2989	237	9	and	and	CCONJ
framr-2989	237	10	risk	risk	NOUN
framr-2989	237	11	during	during	ADP
framr-2989	237	12	the	the	DET
framr-2989	237	13	covid-19	covid-19	PROPN
framr-2989	237	14	pandemic	pandemic	NOUN
framr-2989	237	15	.	.	PUNCT
framr-2989	238	1	finance	finance	NOUN
framr-2989	238	2	research	research	NOUN
framr-2989	238	3	letters	letter	NOUN
framr-2989	238	4	,	,	PUNCT
framr-2989	238	5	43	43	NUM
framr-2989	238	6	,	,	PUNCT
framr-2989	238	7	101957	101957	NUM
framr-2989	238	8	.	.	PUNCT
framr-2989	239	1	omar	omar	PROPN
framr-2989	239	2	,	,	PUNCT
framr-2989	239	3	m.	m.	NOUN
framr-2989	239	4	m.	m.	PROPN
framr-2989	239	5	s.	s.	PROPN
framr-2989	239	6	,	,	PUNCT
framr-2989	239	7	&	&	CCONJ
framr-2989	239	8	echchabi	echchabi	NOUN
framr-2989	239	9	,	,	PUNCT
framr-2989	239	10	a.	a.	NOUN
framr-2989	239	11	(	(	PUNCT
framr-2989	239	12	2019	2019	NUM
framr-2989	239	13	)	)	PUNCT
framr-2989	239	14	.	.	PUNCT
framr-2989	240	1	dividend	dividend	NOUN
framr-2989	240	2	ppolicy	ppolicy	NOUN
framr-2989	240	3	and	and	CCONJ
framr-2989	240	4	payout	payout	NOUN
framr-2989	240	5	practices	practice	NOUN
framr-2989	240	6	in	in	ADP
framr-2989	240	7	malaysia	malaysia	PROPN
framr-2989	240	8	:	:	PUNCT
framr-2989	240	9	a	a	DET
framr-2989	240	10	qualitative	qualitative	ADJ
framr-2989	240	11	analysis	analysis	NOUN
framr-2989	240	12	.	.	PUNCT
framr-2989	241	1	journal	journal	NOUN
framr-2989	241	2	of	of	ADP
framr-2989	241	3	accounting	accounting	NOUN
framr-2989	241	4	,	,	PUNCT
framr-2989	241	5	finance	finance	NOUN
framr-2989	241	6	and	and	CCONJ
framr-2989	241	7	auditing	auditing	NOUN
framr-2989	241	8	studies	study	NOUN
framr-2989	241	9	,	,	PUNCT
framr-2989	241	10	5(1	5(1	NUM
framr-2989	241	11	)	)	PUNCT
framr-2989	241	12	,	,	PUNCT
framr-2989	241	13	226-240.available	226-240.available	NUM
framr-2989	241	14	at	at	ADP
framr-2989	241	15	:	:	PUNCT
framr-2989	241	16	https://doi.org/10.32602/jafas.2019.11	https://doi.org/10.32602/jafas.2019.11	PROPN
framr-2989	241	17	.	.	PROPN
framr-2989	241	18	sartono	sartono	PROPN
framr-2989	241	19	,	,	PUNCT
framr-2989	241	20	r.	r.	PROPN
framr-2989	241	21	a.	a.	PROPN
framr-2989	241	22	(	(	PUNCT
framr-2989	241	23	2016	2016	NUM
framr-2989	241	24	)	)	PUNCT
framr-2989	241	25	.	.	PUNCT
framr-2989	242	1	financial	financial	ADJ
framr-2989	242	2	management	management	NOUN
framr-2989	242	3	theory	theory	NOUN
framr-2989	242	4	and	and	CCONJ
framr-2989	242	5	applications	application	NOUN
framr-2989	242	6	.	.	PUNCT
framr-2989	243	1	yogyakarta	yogyakarta	PROPN
framr-2989	243	2	:	:	PUNCT
framr-2989	244	1	bppe	bppe	PROPN
framr-2989	244	2	.	.	PUNCT
framr-2989	245	1	sharma	sharma	PROPN
framr-2989	245	2	,	,	PUNCT
framr-2989	245	3	k.	k.	PROPN
framr-2989	245	4	(	(	PUNCT
framr-2989	245	5	2018	2018	NUM
framr-2989	245	6	)	)	PUNCT
framr-2989	245	7	.	.	PUNCT
framr-2989	246	1	impact	impact	NOUN
framr-2989	246	2	of	of	ADP
framr-2989	246	3	dividend	dividend	NOUN
framr-2989	246	4	policy	policy	NOUN
framr-2989	246	5	on	on	ADP
framr-2989	246	6	the	the	DET
framr-2989	246	7	value	value	NOUN
framr-2989	246	8	of	of	ADP
framr-2989	246	9	indian	indian	ADJ
framr-2989	246	10	banks	bank	NOUN
framr-2989	246	11	.	.	PUNCT
framr-2989	247	1	scms	scms	PROPN
framr-2989	247	2	journal	journal	PROPN
framr-2989	247	3	of	of	ADP
framr-2989	247	4	indian	indian	PROPN
framr-2989	247	5	management	management	NOUN
framr-2989	247	6	,	,	PUNCT
framr-2989	247	7	15(3	15(3	NUM
framr-2989	247	8	)	)	PUNCT
framr-2989	247	9	,	,	PUNCT
framr-2989	247	10	1419.available	1419.available	ADJ
framr-2989	247	11	at	at	ADP
framr-2989	247	12	:	:	PUNCT
framr-2989	247	13	https://doi.org/10.32602/jafas.2019.11	https://doi.org/10.32602/jafas.2019.11	PROPN
framr-2989	247	14	.	.	PUNCT
framr-2989	248	1	subagio	subagio	PROPN
framr-2989	248	2	,	,	PUNCT
framr-2989	248	3	a.	a.	NOUN
framr-2989	248	4	(	(	PUNCT
framr-2989	248	5	2015	2015	NUM
framr-2989	248	6	)	)	PUNCT
framr-2989	248	7	.	.	PUNCT
framr-2989	249	1	non	non	ADJ
framr-2989	249	2	-	-	ADJ
framr-2989	249	3	performing	perform	VERB
framr-2989	249	4	loans	loan	NOUN
framr-2989	249	5	rresolution	rresolution	NOUN
framr-2989	249	6	techniques	technique	NOUN
framr-2989	249	7	.	.	PUNCT
framr-2989	250	1	jakarta	jakarta	PROPN
framr-2989	250	2	:	:	PUNCT
framr-2989	250	3	media	medium	NOUN
framr-2989	250	4	discourse	discourse	NOUN
framr-2989	250	5	partners	partner	NOUN
framr-2989	250	6	.	.	PUNCT
framr-2989	251	1	syafril	syafril	NOUN
framr-2989	251	2	.	.	PUNCT
framr-2989	252	1	(	(	PUNCT
framr-2989	252	2	2020	2020	NUM
framr-2989	252	3	)	)	PUNCT
framr-2989	252	4	.	.	PUNCT
framr-2989	253	1	banks	bank	NOUN
framr-2989	253	2	and	and	CCONJ
framr-2989	253	3	other	other	ADJ
framr-2989	253	4	modern	modern	ADJ
framr-2989	253	5	financial	financial	ADJ
framr-2989	253	6	institutions	institution	NOUN
framr-2989	253	7	.	.	PUNCT
framr-2989	254	1	jakarta	jakarta	PROPN
framr-2989	254	2	:	:	PUNCT
framr-2989	255	1	kencana	kencana	PROPN
framr-2989	255	2	.	.	PUNCT
framr-2989	255	3	topak	topak	PROPN
framr-2989	255	4	,	,	PUNCT
framr-2989	255	5	m.	m.	NOUN
framr-2989	255	6	s.	s.	PROPN
framr-2989	255	7	,	,	PUNCT
framr-2989	255	8	&	&	CCONJ
framr-2989	255	9	nimet	nimet	PROPN
framr-2989	255	10	,	,	PUNCT
framr-2989	255	11	h.	h.	PROPN
framr-2989	255	12	t.	t.	PROPN
framr-2989	255	13	(	(	PUNCT
framr-2989	255	14	2016	2016	NUM
framr-2989	255	15	)	)	PUNCT
framr-2989	255	16	.	.	PUNCT
framr-2989	256	1	internal	internal	ADJ
framr-2989	256	2	determinants	determinant	NOUN
framr-2989	256	3	of	of	ADP
framr-2989	256	4	bank	bank	NOUN
framr-2989	256	5	profitability	profitability	NOUN
framr-2989	256	6	:	:	PUNCT
framr-2989	256	7	evidence	evidence	NOUN
framr-2989	256	8	from	from	ADP
framr-2989	256	9	turkish	turkish	ADJ
framr-2989	256	10	banking	banking	NOUN
framr-2989	256	11	sector	sector	NOUN
framr-2989	256	12	.	.	PUNCT
framr-2989	257	1	international	international	ADJ
framr-2989	257	2	journal	journal	PROPN
framr-2989	257	3	of	of	ADP
framr-2989	257	4	economic	economic	ADJ
framr-2989	257	5	perspectives	perspective	NOUN
framr-2989	257	6	,	,	PUNCT
framr-2989	257	7	10(1	10(1	NUM
framr-2989	257	8	)	)	PUNCT
framr-2989	257	9	,	,	PUNCT
framr-2989	257	10	37	37	NUM
framr-2989	257	11	-	-	SYM
framr-2989	257	12	49	49	NUM
framr-2989	257	13	.	.	PUNCT
framr-2989	258	1	wijaya	wijaya	PROPN
framr-2989	258	2	,	,	PUNCT
framr-2989	258	3	d.	d.	PROPN
framr-2989	258	4	(	(	PUNCT
framr-2989	258	5	2017	2017	NUM
framr-2989	258	6	)	)	PUNCT
framr-2989	258	7	.	.	PUNCT
framr-2989	259	1	financial	financial	ADJ
framr-2989	259	2	management	management	NOUN
framr-2989	259	3	concepts	concept	NOUN
framr-2989	259	4	and	and	CCONJ
framr-2989	259	5	applications	application	NOUN
framr-2989	259	6	.	.	PUNCT
framr-2989	260	1	jakarta	jakarta	PROPN
framr-2989	260	2	:	:	PUNCT
framr-2989	260	3	pt	pt	PROPN
framr-2989	260	4	.	.	PROPN
framr-2989	260	5	grasindo	grasindo	PROPN
framr-2989	260	6	.	.	PUNCT
framr-2989	260	7	views	view	NOUN
framr-2989	260	8	and	and	CCONJ
framr-2989	260	9	opinions	opinion	NOUN
framr-2989	260	10	expressed	express	VERB
framr-2989	260	11	in	in	ADP
framr-2989	260	12	this	this	DET
framr-2989	260	13	article	article	NOUN
framr-2989	260	14	are	be	AUX
framr-2989	260	15	the	the	DET
framr-2989	260	16	views	view	NOUN
framr-2989	260	17	and	and	CCONJ
framr-2989	260	18	opinions	opinion	NOUN
framr-2989	260	19	of	of	ADP
framr-2989	260	20	the	the	DET
framr-2989	260	21	author(s	author(s	NOUN
framr-2989	260	22	)	)	PUNCT
framr-2989	260	23	,	,	PUNCT
framr-2989	260	24	financial	financial	ADJ
framr-2989	260	25	risk	risk	NOUN
framr-2989	260	26	and	and	CCONJ
framr-2989	260	27	management	management	NOUN
framr-2989	260	28	reviews	review	NOUN
framr-2989	260	29	shall	shall	AUX
framr-2989	260	30	not	not	PART
framr-2989	260	31	be	be	AUX
framr-2989	260	32	responsible	responsible	ADJ
framr-2989	260	33	or	or	CCONJ
framr-2989	260	34	answerable	answerable	ADJ
framr-2989	260	35	for	for	ADP
framr-2989	260	36	any	any	DET
framr-2989	260	37	loss	loss	NOUN
framr-2989	260	38	,	,	PUNCT
framr-2989	260	39	damage	damage	NOUN
framr-2989	260	40	or	or	CCONJ
framr-2989	260	41	liability	liability	NOUN
framr-2989	260	42	etc	etc	X
framr-2989	260	43	.	.	X
framr-2989	261	1	caused	cause	VERB
framr-2989	261	2	in	in	ADP
framr-2989	261	3	relation	relation	NOUN
framr-2989	261	4	to	to	PART
framr-2989	261	5	/	/	PUNCT
framr-2989	261	6	arising	arise	VERB
framr-2989	261	7	out	out	ADP
framr-2989	261	8	of	of	ADP
framr-2989	261	9	the	the	DET
framr-2989	261	10	use	use	NOUN
framr-2989	261	11	of	of	ADP
framr-2989	261	12	the	the	DET
framr-2989	261	13	content	content	NOUN
framr-2989	261	14	.	.	PUNCT