id	sid	tid	token	lemma	pos
framr-3062	1	1	20	20	NUM
framr-3062	1	2	©	©	PROPN
framr-3062	1	3	2022	2022	NUM
framr-3062	1	4	conscientia	conscientia	PROPN
framr-3062	1	5	beam	beam	PROPN
framr-3062	1	6	.	.	PUNCT
framr-3062	2	1	all	all	DET
framr-3062	2	2	rights	right	NOUN
framr-3062	2	3	reserved	reserve	VERB
framr-3062	2	4	.	.	PUNCT
framr-3062	3	1	does	do	AUX
framr-3062	3	2	the	the	DET
framr-3062	3	3	business	business	NOUN
framr-3062	3	4	model	model	NOUN
framr-3062	3	5	increase	increase	VERB
framr-3062	3	6	bank	bank	NOUN
framr-3062	3	7	stability	stability	NOUN
framr-3062	3	8	?	?	PUNCT
framr-3062	4	1	loan	loan	NOUN
framr-3062	4	2	thi	thi	VERB
framr-3062	4	3	nguyet	nguyet	PROPN
framr-3062	4	4	nguyen1	nguyen1	ADJ
framr-3062	4	5	phuong	phuong	PROPN
framr-3062	4	6	thi	thi	AUX
framr-3062	4	7	lan	lan	PROPN
framr-3062	4	8	tran2	tran2	PROPN
framr-3062	5	1	+	+	CCONJ
framr-3062	5	2	nguyet	nguyet	NOUN
framr-3062	5	3	thi	thi	AUX
framr-3062	5	4	minh	minh	VERB
framr-3062	5	5	trinh3	trinh3	NOUN
framr-3062	5	6	anh	anh	NOUN
framr-3062	5	7	quynh	quynh	NOUN
framr-3062	5	8	le4	le4	VERB
framr-3062	5	9	1,2,3,4applied	1,2,3,4applied	ADJ
framr-3062	5	10	school	school	NOUN
framr-3062	5	11	of	of	ADP
framr-3062	5	12	finance	finance	NOUN
framr-3062	5	13	and	and	CCONJ
framr-3062	5	14	banking	banking	NOUN
framr-3062	5	15	,	,	PUNCT
framr-3062	5	16	dai	dai	PROPN
framr-3062	5	17	nam	nam	PROPN
framr-3062	5	18	university	university	PROPN
framr-3062	5	19	,	,	PUNCT
framr-3062	5	20	vietnam	vietnam	PROPN
framr-3062	5	21	.	.	PUNCT
framr-3062	6	1	1email	1email	NUM
framr-3062	6	2	:	:	PUNCT
framr-3062	6	3	loanntn@dainam.edu.vn	loanntn@dainam.edu.vn	NOUN
framr-3062	6	4	tel	tel	PROPN
framr-3062	6	5	:	:	PUNCT
framr-3062	6	6	+84.977186893	+84.977186893	PROPN
framr-3062	6	7	2email	2email	NUM
framr-3062	6	8	:	:	PUNCT
framr-3062	6	9	phuongtl@dainam.edu.vn	phuongtl@dainam.edu.vn	ADJ
framr-3062	6	10	tel	tel	NOUN
framr-3062	6	11	:	:	PUNCT
framr-3062	7	1	+84.389123898	+84.389123898	PROPN
framr-3062	7	2	3email	3email	NUM
framr-3062	7	3	:	:	PUNCT
framr-3062	7	4	nguyetttm@dainam.edu.vn	nguyetttm@dainam.edu.vn	ADJ
framr-3062	7	5	tel	tel	PROPN
framr-3062	7	6	:	:	PUNCT
framr-3062	7	7	+84.397966340	+84.397966340	PROPN
framr-3062	8	1	4email	4email	NUM
framr-3062	8	2	:	:	PUNCT
framr-3062	8	3	anhlq@dainam.edu.vn	anhlq@dainam.edu.vn	ADJ
framr-3062	8	4	tel	tel	PROPN
framr-3062	8	5	:	:	PUNCT
framr-3062	8	6	+84.838382185	+84.838382185	X
framr-3062	8	7	(	(	PUNCT
framr-3062	8	8	+	+	NUM
framr-3062	8	9	corresponding	correspond	VERB
framr-3062	8	10	author	author	NOUN
framr-3062	8	11	)	)	PUNCT
framr-3062	8	12	abstract	abstract	ADJ
framr-3062	8	13	article	article	NOUN
framr-3062	8	14	history	history	NOUN
framr-3062	8	15	received	receive	VERB
framr-3062	8	16	:	:	PUNCT
framr-3062	8	17	27	27	NUM
framr-3062	8	18	april	april	PROPN
framr-3062	8	19	2022	2022	NUM
framr-3062	8	20	revised	revise	VERB
framr-3062	8	21	:	:	PUNCT
framr-3062	8	22	17	17	NUM
framr-3062	8	23	june	june	PROPN
framr-3062	8	24	2022	2022	NUM
framr-3062	8	25	accepted	accept	VERB
framr-3062	8	26	:	:	PUNCT
framr-3062	8	27	30	30	NUM
framr-3062	8	28	april	april	PROPN
framr-3062	8	29	2022	2022	NUM
framr-3062	8	30	published	publish	VERB
framr-3062	8	31	:	:	PUNCT
framr-3062	8	32	14	14	NUM
framr-3062	8	33	july	july	PROPN
framr-3062	8	34	2022	2022	NUM
framr-3062	8	35	keywords	keyword	NOUN
framr-3062	8	36	business	business	NOUN
framr-3062	8	37	model	model	PROPN
framr-3062	8	38	bank	bank	PROPN
framr-3062	8	39	risk	risk	PROPN
framr-3062	8	40	bank	bank	PROPN
framr-3062	8	41	stability	stability	PROPN
framr-3062	8	42	non	non	ADJ
framr-3062	8	43	-	-	ADJ
framr-3062	8	44	performance	performance	ADJ
framr-3062	8	45	loans	loan	NOUN
framr-3062	8	46	.	.	PUNCT
framr-3062	9	1	research	research	NOUN
framr-3062	9	2	on	on	ADP
framr-3062	9	3	risk	risk	NOUN
framr-3062	9	4	or	or	CCONJ
framr-3062	9	5	sustainability	sustainability	NOUN
framr-3062	9	6	in	in	ADP
framr-3062	9	7	the	the	DET
framr-3062	9	8	banking	banking	NOUN
framr-3062	9	9	system	system	NOUN
framr-3062	9	10	does	do	AUX
framr-3062	9	11	play	play	VERB
framr-3062	9	12	an	an	DET
framr-3062	9	13	important	important	ADJ
framr-3062	9	14	role	role	NOUN
framr-3062	9	15	in	in	ADP
framr-3062	9	16	the	the	DET
framr-3062	9	17	banking	banking	NOUN
framr-3062	9	18	industry	industry	NOUN
framr-3062	9	19	,	,	PUNCT
framr-3062	9	20	where	where	SCONJ
framr-3062	9	21	competitiveness	competitiveness	NOUN
framr-3062	9	22	increases	increase	VERB
framr-3062	9	23	unceasingly	unceasingly	ADV
framr-3062	9	24	.	.	PUNCT
framr-3062	10	1	simultaneously	simultaneously	ADV
framr-3062	10	2	,	,	PUNCT
framr-3062	10	3	the	the	DET
framr-3062	10	4	trend	trend	NOUN
framr-3062	10	5	of	of	ADP
framr-3062	10	6	diversifying	diversify	VERB
framr-3062	10	7	banks	bank	NOUN
framr-3062	10	8	’	'	PUNCT
framr-3062	10	9	business	business	NOUN
framr-3062	10	10	models	model	NOUN
framr-3062	10	11	is	be	AUX
framr-3062	10	12	becoming	become	VERB
framr-3062	10	13	more	more	ADV
framr-3062	10	14	popular	popular	ADJ
framr-3062	10	15	.	.	PUNCT
framr-3062	11	1	thus	thus	ADV
framr-3062	11	2	,	,	PUNCT
framr-3062	11	3	this	this	DET
framr-3062	11	4	paper	paper	NOUN
framr-3062	11	5	attempts	attempt	VERB
framr-3062	11	6	to	to	PART
framr-3062	11	7	investigate	investigate	VERB
framr-3062	11	8	the	the	DET
framr-3062	11	9	impact	impact	NOUN
framr-3062	11	10	of	of	ADP
framr-3062	11	11	business	business	NOUN
framr-3062	11	12	model	model	NOUN
framr-3062	11	13	diversification	diversification	NOUN
framr-3062	11	14	on	on	ADP
framr-3062	11	15	bank	bank	NOUN
framr-3062	11	16	risk	risk	NOUN
framr-3062	11	17	and	and	CCONJ
framr-3062	11	18	stability	stability	NOUN
framr-3062	11	19	.	.	PUNCT
framr-3062	12	1	the	the	DET
framr-3062	12	2	proxy	proxy	NOUN
framr-3062	12	3	of	of	ADP
framr-3062	12	4	business	business	NOUN
framr-3062	12	5	models	model	NOUN
framr-3062	12	6	includes	include	VERB
framr-3062	12	7	(	(	PUNCT
framr-3062	12	8	1)non	1)non	NUM
framr-3062	12	9	-	-	ADJ
framr-3062	12	10	net	net	ADJ
framr-3062	12	11	interest	interest	NOUN
framr-3062	12	12	income	income	NOUN
framr-3062	12	13	;	;	PUNCT
framr-3062	12	14	(	(	PUNCT
framr-3062	12	15	2	2	X
framr-3062	12	16	)	)	PUNCT
framr-3062	12	17	trading	trading	NOUN
framr-3062	12	18	income	income	NOUN
framr-3062	12	19	.	.	PUNCT
framr-3062	13	1	the	the	DET
framr-3062	13	2	paper	paper	NOUN
framr-3062	13	3	applied	apply	VERB
framr-3062	13	4	generalized	generalized	ADJ
framr-3062	13	5	least	least	ADJ
framr-3062	13	6	squares	square	NOUN
framr-3062	13	7	(	(	PUNCT
framr-3062	13	8	gls	gls	PROPN
framr-3062	13	9	)	)	PUNCT
framr-3062	13	10	to	to	PART
framr-3062	13	11	conduct	conduct	VERB
framr-3062	13	12	empirical	empirical	ADJ
framr-3062	13	13	research	research	NOUN
framr-3062	13	14	on	on	ADP
framr-3062	13	15	18	18	NUM
framr-3062	13	16	joint	joint	ADJ
framr-3062	13	17	-	-	PUNCT
framr-3062	13	18	stock	stock	NOUN
framr-3062	13	19	commercial	commercial	ADJ
framr-3062	13	20	banks	bank	NOUN
framr-3062	13	21	listed	list	VERB
framr-3062	13	22	on	on	ADP
framr-3062	13	23	the	the	DET
framr-3062	13	24	vietnam	vietnam	PROPN
framr-3062	13	25	stock	stock	PROPN
framr-3062	13	26	exchange	exchange	NOUN
framr-3062	13	27	from	from	ADP
framr-3062	13	28	2010	2010	NUM
framr-3062	13	29	to	to	ADP
framr-3062	13	30	2019	2019	NUM
framr-3062	13	31	(	(	PUNCT
framr-3062	13	32	the	the	DET
framr-3062	13	33	gls	gls	PROPN
framr-3062	13	34	with	with	ADP
framr-3062	13	35	panel	panel	NOUN
framr-3062	13	36	data	datum	NOUN
framr-3062	13	37	)	)	PUNCT
framr-3062	13	38	.	.	PUNCT
framr-3062	14	1	the	the	DET
framr-3062	14	2	results	result	NOUN
framr-3062	14	3	indicated	indicate	VERB
framr-3062	14	4	the	the	DET
framr-3062	14	5	negative	negative	ADJ
framr-3062	14	6	impact	impact	NOUN
framr-3062	14	7	of	of	ADP
framr-3062	14	8	non	non	ADJ
framr-3062	14	9	-	-	ADJ
framr-3062	14	10	net	net	ADJ
framr-3062	14	11	-	-	PUNCT
framr-3062	14	12	interest	interest	NOUN
framr-3062	14	13	income	income	NOUN
framr-3062	14	14	on	on	ADP
framr-3062	14	15	bank	bank	NOUN
framr-3062	14	16	stability	stability	NOUN
framr-3062	14	17	.	.	PUNCT
framr-3062	15	1	trading	trading	NOUN
framr-3062	15	2	in	in	ADP
framr-3062	15	3	foreign	foreign	ADJ
framr-3062	15	4	exchange	exchange	NOUN
framr-3062	15	5	,	,	PUNCT
framr-3062	15	6	gold	gold	NOUN
framr-3062	15	7	has	have	VERB
framr-3062	15	8	no	no	DET
framr-3062	15	9	meaning	meaning	NOUN
framr-3062	15	10	for	for	ADP
framr-3062	15	11	bank	bank	NOUN
framr-3062	15	12	risk	risk	NOUN
framr-3062	15	13	.	.	PUNCT
framr-3062	16	1	the	the	DET
framr-3062	16	2	study	study	NOUN
framr-3062	16	3	offers	offer	VERB
framr-3062	16	4	some	some	DET
framr-3062	16	5	theoretical	theoretical	ADJ
framr-3062	16	6	and	and	CCONJ
framr-3062	16	7	practical	practical	ADJ
framr-3062	16	8	implications	implication	NOUN
framr-3062	16	9	for	for	SCONJ
framr-3062	16	10	banks	bank	NOUN
framr-3062	16	11	to	to	PART
framr-3062	16	12	control	control	VERB
framr-3062	16	13	better	well	ADJ
framr-3062	16	14	risks	risk	NOUN
framr-3062	16	15	based	base	VERB
framr-3062	16	16	on	on	ADP
framr-3062	16	17	new	new	ADJ
framr-3062	16	18	empirical	empirical	ADJ
framr-3062	16	19	findings	finding	NOUN
framr-3062	16	20	.	.	PUNCT
framr-3062	17	1	especially	especially	ADV
framr-3062	17	2	,	,	PUNCT
framr-3062	17	3	the	the	DET
framr-3062	17	4	diversification	diversification	NOUN
framr-3062	17	5	of	of	ADP
framr-3062	17	6	business	business	NOUN
framr-3062	17	7	models	model	NOUN
framr-3062	17	8	is	be	AUX
framr-3062	17	9	ineffective	ineffective	ADJ
framr-3062	17	10	,	,	PUNCT
framr-3062	17	11	and	and	CCONJ
framr-3062	17	12	banks	bank	NOUN
framr-3062	17	13	need	need	VERB
framr-3062	17	14	more	more	ADV
framr-3062	17	15	suitable	suitable	ADJ
framr-3062	17	16	solutions	solution	NOUN
framr-3062	17	17	.	.	PUNCT
framr-3062	18	1	contribution	contribution	NOUN
framr-3062	18	2	/	/	SYM
framr-3062	18	3	originality	originality	NOUN
framr-3062	18	4	:	:	PUNCT
framr-3062	18	5	this	this	DET
framr-3062	18	6	study	study	NOUN
framr-3062	18	7	has	have	VERB
framr-3062	18	8	an	an	DET
framr-3062	18	9	important	important	ADJ
framr-3062	18	10	contribution	contribution	NOUN
framr-3062	18	11	as	as	SCONJ
framr-3062	18	12	it	it	PRON
framr-3062	18	13	shows	show	VERB
framr-3062	18	14	that	that	SCONJ
framr-3062	18	15	business	business	NOUN
framr-3062	18	16	model	model	NOUN
framr-3062	18	17	diversification	diversification	NOUN
framr-3062	18	18	is	be	AUX
framr-3062	18	19	ineffective	ineffective	ADJ
framr-3062	18	20	for	for	ADP
framr-3062	18	21	banks	bank	NOUN
framr-3062	18	22	in	in	ADP
framr-3062	18	23	developing	develop	VERB
framr-3062	18	24	countries	country	NOUN
framr-3062	18	25	.	.	PUNCT
framr-3062	19	1	therefore	therefore	ADV
framr-3062	19	2	,	,	PUNCT
framr-3062	19	3	this	this	DET
framr-3062	19	4	result	result	NOUN
framr-3062	19	5	has	have	VERB
framr-3062	19	6	great	great	ADJ
framr-3062	19	7	significance	significance	NOUN
framr-3062	19	8	in	in	ADP
framr-3062	19	9	adjusting	adjust	VERB
framr-3062	19	10	for	for	ADP
framr-3062	19	11	profitable	profitable	ADJ
framr-3062	19	12	activities	activity	NOUN
framr-3062	19	13	other	other	ADJ
framr-3062	19	14	than	than	ADP
framr-3062	19	15	lending	lend	VERB
framr-3062	19	16	.	.	PUNCT
framr-3062	20	1	1	1	X
framr-3062	20	2	.	.	X
framr-3062	20	3	introduction	introduction	NOUN
framr-3062	20	4	the	the	DET
framr-3062	20	5	two	two	NUM
framr-3062	20	6	-	-	PUNCT
framr-3062	20	7	level	level	NOUN
framr-3062	20	8	banking	banking	NOUN
framr-3062	20	9	system	system	NOUN
framr-3062	20	10	is	be	AUX
framr-3062	20	11	organized	organize	VERB
framr-3062	20	12	in	in	ADP
framr-3062	20	13	vietnam	vietnam	PROPN
framr-3062	20	14	.	.	PUNCT
framr-3062	21	1	the	the	DET
framr-3062	21	2	state	state	PROPN
framr-3062	21	3	bank	bank	PROPN
framr-3062	21	4	of	of	ADP
framr-3062	21	5	vietnam	vietnam	PROPN
framr-3062	21	6	is	be	AUX
framr-3062	21	7	responsible	responsible	ADJ
framr-3062	21	8	for	for	ADP
framr-3062	21	9	implementing	implement	VERB
framr-3062	21	10	monetary	monetary	ADJ
framr-3062	21	11	policy	policy	NOUN
framr-3062	21	12	,	,	PUNCT
framr-3062	21	13	performing	perform	VERB
framr-3062	21	14	the	the	DET
framr-3062	21	15	function	function	NOUN
framr-3062	21	16	of	of	ADP
framr-3062	21	17	inspection	inspection	NOUN
framr-3062	21	18	and	and	CCONJ
framr-3062	21	19	state	state	NOUN
framr-3062	21	20	management	management	NOUN
framr-3062	21	21	of	of	ADP
framr-3062	21	22	currency	currency	NOUN
framr-3062	21	23	,	,	PUNCT
framr-3062	21	24	banking	banking	NOUN
framr-3062	21	25	activities	activity	NOUN
framr-3062	21	26	,	,	PUNCT
framr-3062	21	27	and	and	CCONJ
framr-3062	21	28	foreign	foreign	ADJ
framr-3062	21	29	exchange	exchange	NOUN
framr-3062	21	30	;	;	PUNCT
framr-3062	21	31	perform	perform	VERB
framr-3062	21	32	the	the	DET
framr-3062	21	33	functions	function	NOUN
framr-3062	21	34	of	of	ADP
framr-3062	21	35	the	the	DET
framr-3062	21	36	central	central	ADJ
framr-3062	21	37	bank	bank	NOUN
framr-3062	21	38	in	in	ADP
framr-3062	21	39	terms	term	NOUN
framr-3062	21	40	of	of	ADP
framr-3062	21	41	money	money	NOUN
framr-3062	21	42	issuance	issuance	NOUN
framr-3062	21	43	,	,	PUNCT
framr-3062	21	44	banking	banking	NOUN
framr-3062	21	45	of	of	ADP
framr-3062	21	46	credit	credit	NOUN
framr-3062	21	47	institutions	institution	NOUN
framr-3062	21	48	,	,	PUNCT
framr-3062	21	49	and	and	CCONJ
framr-3062	21	50	provision	provision	NOUN
framr-3062	21	51	of	of	ADP
framr-3062	21	52	monetary	monetary	ADJ
framr-3062	21	53	services	service	NOUN
framr-3062	21	54	to	to	ADP
framr-3062	21	55	the	the	DET
framr-3062	21	56	government	government	NOUN
framr-3062	21	57	.	.	PUNCT
framr-3062	22	1	the	the	DET
framr-3062	22	2	second	second	ADJ
framr-3062	22	3	level	level	NOUN
framr-3062	22	4	includes	include	VERB
framr-3062	22	5	commercial	commercial	ADJ
framr-3062	22	6	banks	bank	NOUN
framr-3062	22	7	,	,	PUNCT
framr-3062	22	8	cooperative	cooperative	ADJ
framr-3062	22	9	banks	bank	NOUN
framr-3062	22	10	,	,	PUNCT
framr-3062	22	11	development	development	NOUN
framr-3062	22	12	banks	bank	NOUN
framr-3062	22	13	,	,	PUNCT
framr-3062	22	14	people	people	NOUN
framr-3062	22	15	’s	’s	PART
framr-3062	22	16	credit	credit	NOUN
framr-3062	22	17	funds	fund	NOUN
framr-3062	22	18	,	,	PUNCT
framr-3062	22	19	microfinance	microfinance	NOUN
framr-3062	22	20	institutions	institution	NOUN
framr-3062	22	21	,	,	PUNCT
framr-3062	22	22	finance	finance	NOUN
framr-3062	22	23	companies	company	NOUN
framr-3062	22	24	,	,	PUNCT
framr-3062	22	25	finance	finance	NOUN
framr-3062	22	26	leasing	leasing	NOUN
framr-3062	22	27	companies	company	NOUN
framr-3062	22	28	,	,	PUNCT
framr-3062	22	29	and	and	CCONJ
framr-3062	22	30	insurance	insurance	NOUN
framr-3062	22	31	companies	company	NOUN
framr-3062	22	32	.	.	PUNCT
framr-3062	23	1	in	in	ADP
framr-3062	23	2	2021	2021	NUM
framr-3062	23	3	,	,	PUNCT
framr-3062	23	4	the	the	DET
framr-3062	23	5	stock	stock	NOUN
framr-3062	23	6	market	market	NOUN
framr-3062	23	7	witnessed	witness	VERB
framr-3062	23	8	a	a	DET
framr-3062	23	9	strong	strong	ADJ
framr-3062	23	10	growth	growth	NOUN
framr-3062	23	11	rate	rate	NOUN
framr-3062	23	12	of	of	ADP
framr-3062	23	13	27	27	NUM
framr-3062	23	14	commercial	commercial	ADJ
framr-3062	23	15	banking	banking	NOUN
framr-3062	23	16	stocks	stock	NOUN
framr-3062	23	17	.	.	PUNCT
framr-3062	24	1	to	to	PART
framr-3062	24	2	be	be	AUX
framr-3062	24	3	considered	consider	VERB
framr-3062	24	4	the	the	DET
framr-3062	24	5	lifeblood	lifeblood	NOUN
framr-3062	24	6	of	of	ADP
framr-3062	24	7	the	the	DET
framr-3062	24	8	economy	economy	NOUN
framr-3062	24	9	,	,	PUNCT
framr-3062	24	10	the	the	DET
framr-3062	24	11	bank	bank	NOUN
framr-3062	24	12	has	have	AUX
framr-3062	24	13	proven	prove	VERB
framr-3062	24	14	its	its	PRON
framr-3062	24	15	performance	performance	NOUN
framr-3062	24	16	when	when	SCONJ
framr-3062	24	17	profits	profit	NOUN
framr-3062	24	18	are	be	AUX
framr-3062	24	19	still	still	ADV
framr-3062	24	20	growing	grow	VERB
framr-3062	24	21	,	,	PUNCT
framr-3062	24	22	despite	despite	SCONJ
framr-3062	24	23	the	the	DET
framr-3062	24	24	impact	impact	NOUN
framr-3062	24	25	of	of	ADP
framr-3062	24	26	the	the	DET
framr-3062	24	27	covid-19	covid-19	PROPN
framr-3062	24	28	epidemic	epidemic	NOUN
framr-3062	24	29	.	.	PUNCT
framr-3062	25	1	the	the	DET
framr-3062	25	2	restructuring	restructuring	NOUN
framr-3062	25	3	,	,	PUNCT
framr-3062	25	4	especially	especially	ADV
framr-3062	25	5	the	the	DET
framr-3062	25	6	digital	digital	ADJ
framr-3062	25	7	transformation	transformation	NOUN
framr-3062	25	8	of	of	ADP
framr-3062	25	9	the	the	DET
framr-3062	25	10	commercial	commercial	ADJ
framr-3062	25	11	banking	banking	NOUN
framr-3062	25	12	system	system	NOUN
framr-3062	25	13	,	,	PUNCT
framr-3062	25	14	is	be	AUX
framr-3062	25	15	a	a	DET
framr-3062	25	16	matter	matter	NOUN
framr-3062	25	17	of	of	ADP
framr-3062	25	18	concern	concern	NOUN
framr-3062	25	19	to	to	ADP
framr-3062	25	20	policymakers	policymaker	NOUN
framr-3062	25	21	,	,	PUNCT
framr-3062	25	22	administrators	administrator	NOUN
framr-3062	25	23	,	,	PUNCT
framr-3062	25	24	and	and	CCONJ
framr-3062	25	25	investors	investor	NOUN
framr-3062	25	26	,	,	PUNCT
framr-3062	25	27	especially	especially	ADV
framr-3062	25	28	the	the	DET
framr-3062	25	29	ownership	ownership	NOUN
framr-3062	25	30	,	,	PUNCT
framr-3062	25	31	size	size	NOUN
framr-3062	25	32	,	,	PUNCT
framr-3062	25	33	and	and	CCONJ
framr-3062	25	34	type	type	NOUN
framr-3062	25	35	of	of	ADP
framr-3062	25	36	commercial	commercial	ADJ
framr-3062	25	37	bank	bank	NOUN
framr-3062	25	38	.	.	PUNCT
framr-3062	26	1	financial	financial	ADJ
framr-3062	26	2	risk	risk	NOUN
framr-3062	26	3	and	and	CCONJ
framr-3062	26	4	management	management	NOUN
framr-3062	26	5	reviews	review	NOUN
framr-3062	26	6	2022	2022	NUM
framr-3062	26	7	vol	vol	NOUN
framr-3062	26	8	.	.	PROPN
framr-3062	26	9	8	8	NUM
framr-3062	26	10	,	,	PUNCT
framr-3062	26	11	no	no	INTJ
framr-3062	26	12	.	.	NOUN
framr-3062	26	13	1	1	NUM
framr-3062	26	14	,	,	PUNCT
framr-3062	26	15	pp	pp	ADJ
framr-3062	26	16	.	.	PUNCT
framr-3062	27	1	20	20	NUM
framr-3062	27	2	-	-	SYM
framr-3062	27	3	26	26	NUM
framr-3062	27	4	.	.	PUNCT
framr-3062	28	1	issn(e	issn(e	INTJ
framr-3062	28	2	):	):	PUNCT
framr-3062	28	3	2411	2411	NUM
framr-3062	28	4	-	-	SYM
framr-3062	28	5	6408	6408	NUM
framr-3062	28	6	issn(p	issn(p	NUM
framr-3062	28	7	):	):	PUNCT
framr-3062	28	8	2412	2412	NUM
framr-3062	28	9	-	-	SYM
framr-3062	28	10	3404	3404	NUM
framr-3062	28	11	doi	doi	NOUN
framr-3062	28	12	:	:	PUNCT
framr-3062	28	13	10.18488/89.v8i1.3062	10.18488/89.v8i1.3062	PRON
framr-3062	28	14	©	©	PROPN
framr-3062	28	15	2022	2022	NUM
framr-3062	28	16	conscientia	conscientia	PROPN
framr-3062	28	17	beam	beam	PROPN
framr-3062	28	18	.	.	PUNCT
framr-3062	29	1	all	all	DET
framr-3062	29	2	rights	right	NOUN
framr-3062	29	3	reserved	reserve	VERB
framr-3062	29	4	.	.	PUNCT
framr-3062	30	1	https://orcid.org/0000-0002-5539-4786	https://orcid.org/0000-0002-5539-4786	NOUN
framr-3062	30	2	https://orcid.org/0000-0001-7427-5662	https://orcid.org/0000-0001-7427-5662	NOUN
framr-3062	30	3	https://orcid.org/0000-0002-8386-7456	https://orcid.org/0000-0002-8386-7456	PROPN
framr-3062	30	4	https://orcid.org/0000-0002-6058-2538	https://orcid.org/0000-0002-6058-2538	AUX
framr-3062	30	5	mailto:loanntn@dainam.edu.vn	mailto:loanntn@dainam.edu.vn	VERB
framr-3062	30	6	mailto:phuongtl@dainam.edu.vn	mailto:phuongtl@dainam.edu.vn	PROPN
framr-3062	30	7	mailto:nguyetttm@dainam.edu.vn	mailto:nguyetttm@dainam.edu.vn	PROPN
framr-3062	30	8	mailto:anhlq@dainam.edu.vn	mailto:anhlq@dainam.edu.vn	ADJ
framr-3062	30	9	https://www.doi.org/10.18488/89.v8i1.3062	https://www.doi.org/10.18488/89.v8i1.3062	NOUN
framr-3062	30	10	financial	financial	ADJ
framr-3062	30	11	risk	risk	NOUN
framr-3062	30	12	and	and	CCONJ
framr-3062	30	13	management	management	NOUN
framr-3062	30	14	reviews	review	NOUN
framr-3062	30	15	,	,	PUNCT
framr-3062	30	16	2022	2022	NUM
framr-3062	30	17	,	,	PUNCT
framr-3062	30	18	8(1	8(1	NOUN
framr-3062	30	19	):	):	PUNCT
framr-3062	30	20	20	20	NUM
framr-3062	30	21	-	-	SYM
framr-3062	30	22	26	26	NUM
framr-3062	30	23	21	21	NUM
framr-3062	30	24	©	©	PROPN
framr-3062	30	25	2022	2022	NUM
framr-3062	30	26	conscientia	conscientia	PROPN
framr-3062	30	27	beam	beam	PROPN
framr-3062	30	28	.	.	PUNCT
framr-3062	31	1	all	all	DET
framr-3062	31	2	rights	right	NOUN
framr-3062	31	3	reserved	reserve	VERB
framr-3062	31	4	.	.	PUNCT
framr-3062	32	1	so	so	ADV
framr-3062	32	2	how	how	SCONJ
framr-3062	32	3	do	do	AUX
framr-3062	32	4	the	the	DET
framr-3062	32	5	above	above	ADJ
framr-3062	32	6	factors	factor	NOUN
framr-3062	32	7	affect	affect	VERB
framr-3062	32	8	the	the	DET
framr-3062	32	9	bank	bank	NOUN
framr-3062	32	10	risk	risk	NOUN
framr-3062	32	11	level	level	NOUN
framr-3062	32	12	of	of	ADP
framr-3062	32	13	vietnamese	vietnamese	ADJ
framr-3062	32	14	commercial	commercial	ADJ
framr-3062	32	15	banks	bank	NOUN
framr-3062	32	16	?	?	PUNCT
framr-3062	33	1	through	through	ADP
framr-3062	33	2	data	datum	NOUN
framr-3062	33	3	retrieved	retrieve	VERB
framr-3062	33	4	from	from	ADP
framr-3062	33	5	18	18	NUM
framr-3062	33	6	joint	joint	ADJ
framr-3062	33	7	-	-	PUNCT
framr-3062	33	8	stock	stock	NOUN
framr-3062	33	9	commercial	commercial	ADJ
framr-3062	33	10	banks	bank	NOUN
framr-3062	33	11	listed	list	VERB
framr-3062	33	12	on	on	ADP
framr-3062	33	13	the	the	DET
framr-3062	33	14	vietnam	vietnam	PROPN
framr-3062	33	15	stock	stock	PROPN
framr-3062	33	16	exchange	exchange	NOUN
framr-3062	33	17	in	in	ADP
framr-3062	33	18	the	the	DET
framr-3062	33	19	period	period	NOUN
framr-3062	33	20	2010	2010	NUM
framr-3062	33	21	2019	2019	NUM
framr-3062	33	22	,	,	PUNCT
framr-3062	33	23	this	this	DET
framr-3062	33	24	paper	paper	NOUN
framr-3062	33	25	analyzes	analyze	VERB
framr-3062	33	26	the	the	DET
framr-3062	33	27	impact	impact	NOUN
framr-3062	33	28	of	of	ADP
framr-3062	33	29	business	business	NOUN
framr-3062	33	30	models	model	NOUN
framr-3062	33	31	(	(	PUNCT
framr-3062	33	32	different	different	ADJ
framr-3062	33	33	varieties	variety	NOUN
framr-3062	33	34	of	of	ADP
framr-3062	33	35	income	income	NOUN
framr-3062	33	36	)	)	PUNCT
framr-3062	33	37	,	,	PUNCT
framr-3062	33	38	thereby	thereby	ADV
framr-3062	33	39	offering	offer	VERB
framr-3062	33	40	some	some	DET
framr-3062	33	41	suggestions	suggestion	NOUN
framr-3062	33	42	to	to	PART
framr-3062	33	43	contribute	contribute	VERB
framr-3062	33	44	as	as	ADP
framr-3062	33	45	a	a	DET
framr-3062	33	46	basis	basis	NOUN
framr-3062	33	47	for	for	ADP
framr-3062	33	48	the	the	DET
framr-3062	33	49	implementation	implementation	NOUN
framr-3062	33	50	of	of	ADP
framr-3062	33	51	restructuring	restructuring	NOUN
framr-3062	33	52	and	and	CCONJ
framr-3062	33	53	digital	digital	ADJ
framr-3062	33	54	transformation	transformation	NOUN
framr-3062	33	55	at	at	ADP
framr-3062	33	56	vietnamese	vietnamese	ADJ
framr-3062	33	57	commercial	commercial	ADJ
framr-3062	33	58	banks	bank	NOUN
framr-3062	33	59	in	in	ADP
framr-3062	33	60	the	the	DET
framr-3062	33	61	coming	coming	ADJ
framr-3062	33	62	time	time	NOUN
framr-3062	33	63	.	.	PUNCT
framr-3062	34	1	2	2	X
framr-3062	34	2	.	.	X
framr-3062	34	3	literature	literature	NOUN
framr-3062	34	4	review	review	VERB
framr-3062	34	5	a	a	DET
framr-3062	34	6	business	business	NOUN
framr-3062	34	7	model	model	NOUN
framr-3062	34	8	is	be	AUX
framr-3062	34	9	defined	define	VERB
framr-3062	34	10	as	as	ADP
framr-3062	34	11	the	the	DET
framr-3062	34	12	way	way	NOUN
framr-3062	34	13	an	an	DET
framr-3062	34	14	organization	organization	NOUN
framr-3062	34	15	does	do	VERB
framr-3062	34	16	business	business	NOUN
framr-3062	34	17	(	(	PUNCT
framr-3062	34	18	magretta	magretta	PROPN
framr-3062	34	19	,	,	PUNCT
framr-3062	34	20	2002	2002	NUM
framr-3062	34	21	)	)	PUNCT
framr-3062	34	22	and	and	CCONJ
framr-3062	34	23	aims	aim	VERB
framr-3062	34	24	to	to	PART
framr-3062	34	25	advance	advance	VERB
framr-3062	34	26	the	the	DET
framr-3062	34	27	company	company	NOUN
framr-3062	34	28	’s	’s	PART
framr-3062	34	29	overall	overall	ADJ
framr-3062	34	30	goals	goal	NOUN
framr-3062	34	31	(	(	PUNCT
framr-3062	34	32	this	this	DET
framr-3062	34	33	goal	goal	NOUN
framr-3062	34	34	can	can	AUX
framr-3062	34	35	be	be	AUX
framr-3062	34	36	financial	financial	ADJ
framr-3062	34	37	or	or	CCONJ
framr-3062	34	38	non	non	ADJ
framr-3062	34	39	-	-	ADJ
framr-3062	34	40	financial	financial	ADJ
framr-3062	34	41	(	(	PUNCT
framr-3062	34	42	yip	yip	PROPN
framr-3062	34	43	&	&	CCONJ
framr-3062	34	44	bocken	bocken	PROPN
framr-3062	34	45	,	,	PUNCT
framr-3062	34	46	2018	2018	NUM
framr-3062	34	47	)	)	PUNCT
framr-3062	34	48	.	.	PUNCT
framr-3062	35	1	business	business	NOUN
framr-3062	35	2	models	model	NOUN
framr-3062	35	3	can	can	AUX
framr-3062	35	4	analyze	analyze	VERB
framr-3062	35	5	and	and	CCONJ
framr-3062	35	6	evaluate	evaluate	VERB
framr-3062	35	7	productivity	productivity	NOUN
framr-3062	35	8	(	(	PUNCT
framr-3062	35	9	osterwalder	osterwalder	NOUN
framr-3062	35	10	,	,	PUNCT
framr-3062	35	11	pigneur	pigneur	PROPN
framr-3062	35	12	,	,	PUNCT
framr-3062	35	13	&	&	CCONJ
framr-3062	35	14	tucci	tucci	PROPN
framr-3062	35	15	,	,	PUNCT
framr-3062	35	16	2005	2005	NUM
framr-3062	35	17	)	)	PUNCT
framr-3062	35	18	.	.	PUNCT
framr-3062	36	1	the	the	DET
framr-3062	36	2	growing	grow	VERB
framr-3062	36	3	interest	interest	NOUN
framr-3062	36	4	in	in	ADP
framr-3062	36	5	analyzing	analyze	VERB
framr-3062	36	6	business	business	NOUN
framr-3062	36	7	models	model	NOUN
framr-3062	36	8	in	in	ADP
framr-3062	36	9	enterprise	enterprise	NOUN
framr-3062	36	10	innovation	innovation	NOUN
framr-3062	36	11	showed	show	VERB
framr-3062	36	12	its	its	PRON
framr-3062	36	13	usefulness	usefulness	NOUN
framr-3062	36	14	in	in	ADP
framr-3062	36	15	sustainable	sustainable	ADJ
framr-3062	36	16	innovation	innovation	NOUN
framr-3062	36	17	(	(	PUNCT
framr-3062	36	18	bocken	bocken	ADJ
framr-3062	36	19	,	,	PUNCT
framr-3062	36	20	short	short	ADJ
framr-3062	36	21	,	,	PUNCT
framr-3062	36	22	rana	rana	PROPN
framr-3062	36	23	,	,	PUNCT
framr-3062	36	24	&	&	CCONJ
framr-3062	36	25	evans	evans	PROPN
framr-3062	36	26	,	,	PUNCT
framr-3062	36	27	2014	2014	NUM
framr-3062	36	28	;	;	PUNCT
framr-3062	36	29	boons	boon	NOUN
framr-3062	36	30	&	&	CCONJ
framr-3062	36	31	lüdeke	lüdeke	ADJ
framr-3062	36	32	-	-	PUNCT
framr-3062	36	33	freund	freund	NOUN
framr-3062	36	34	,	,	PUNCT
framr-3062	36	35	2013	2013	NUM
framr-3062	36	36	;	;	PUNCT
framr-3062	36	37	lüdeke	lüdeke	ADJ
framr-3062	36	38	-	-	PUNCT
framr-3062	36	39	freund	freund	NOUN
framr-3062	36	40	,	,	PUNCT
framr-3062	36	41	2010	2010	NUM
framr-3062	36	42	;	;	PUNCT
framr-3062	36	43	stubbs	stubbs	PROPN
framr-3062	36	44	&	&	CCONJ
framr-3062	36	45	cocklin	cocklin	PROPN
framr-3062	36	46	,	,	PUNCT
framr-3062	36	47	2008	2008	NUM
framr-3062	36	48	)	)	PUNCT
framr-3062	36	49	.	.	PUNCT
framr-3062	37	1	recently	recently	ADV
framr-3062	37	2	,	,	PUNCT
framr-3062	37	3	it	it	PRON
framr-3062	37	4	has	have	AUX
framr-3062	37	5	been	be	AUX
framr-3062	37	6	quite	quite	ADV
framr-3062	37	7	diverse	diverse	ADJ
framr-3062	37	8	.	.	PUNCT
framr-3062	38	1	in	in	ADP
framr-3062	38	2	addition	addition	NOUN
framr-3062	38	3	to	to	ADP
framr-3062	38	4	the	the	DET
framr-3062	38	5	business	business	NOUN
framr-3062	38	6	type	type	NOUN
framr-3062	38	7	of	of	ADP
framr-3062	38	8	borrowing	borrowing	NOUN
framr-3062	38	9	and	and	CCONJ
framr-3062	38	10	lending	lending	NOUN
framr-3062	38	11	,	,	PUNCT
framr-3062	38	12	other	other	ADJ
framr-3062	38	13	business	business	NOUN
framr-3062	38	14	models	model	NOUN
framr-3062	38	15	such	such	ADJ
framr-3062	38	16	as	as	ADP
framr-3062	38	17	money	money	NOUN
framr-3062	38	18	transfer	transfer	NOUN
framr-3062	38	19	,	,	PUNCT
framr-3062	38	20	money	money	NOUN
framr-3062	38	21	withdrawal	withdrawal	NOUN
framr-3062	38	22	,	,	PUNCT
framr-3062	38	23	and	and	CCONJ
framr-3062	38	24	bill	bill	NOUN
framr-3062	38	25	payment	payment	NOUN
framr-3062	38	26	services	service	NOUN
framr-3062	38	27	have	have	AUX
framr-3062	38	28	also	also	ADV
framr-3062	38	29	become	become	VERB
framr-3062	38	30	popular	popular	ADJ
framr-3062	38	31	.	.	PUNCT
framr-3062	39	1	for	for	ADP
framr-3062	39	2	banks	bank	NOUN
framr-3062	39	3	,	,	PUNCT
framr-3062	39	4	business	business	NOUN
framr-3062	39	5	model	model	NOUN
framr-3062	39	6	diversification	diversification	NOUN
framr-3062	39	7	is	be	AUX
framr-3062	39	8	other	other	ADJ
framr-3062	39	9	activities	activity	NOUN
framr-3062	39	10	within	within	ADP
framr-3062	39	11	the	the	DET
framr-3062	39	12	bank	bank	NOUN
framr-3062	39	13	to	to	PART
framr-3062	39	14	increase	increase	VERB
framr-3062	39	15	the	the	DET
framr-3062	39	16	bank	bank	NOUN
framr-3062	39	17	’s	’s	PART
framr-3062	39	18	goals	goal	NOUN
framr-3062	39	19	and	and	CCONJ
framr-3062	39	20	mainly	mainly	ADV
framr-3062	39	21	financial	financial	ADJ
framr-3062	39	22	goals	goal	NOUN
framr-3062	39	23	.	.	PUNCT
framr-3062	40	1	implementing	implement	VERB
framr-3062	40	2	business	business	NOUN
framr-3062	40	3	model	model	NOUN
framr-3062	40	4	diversification	diversification	NOUN
framr-3062	40	5	in	in	ADP
framr-3062	40	6	enterprises	enterprise	NOUN
framr-3062	40	7	in	in	ADP
framr-3062	40	8	general	general	ADJ
framr-3062	40	9	and	and	CCONJ
framr-3062	40	10	banks	bank	NOUN
framr-3062	40	11	,	,	PUNCT
framr-3062	40	12	in	in	ADP
framr-3062	40	13	particular	particular	ADJ
framr-3062	40	14	,	,	PUNCT
framr-3062	40	15	has	have	VERB
framr-3062	40	16	certain	certain	ADJ
framr-3062	40	17	risks	risk	NOUN
framr-3062	40	18	.	.	PUNCT
framr-3062	41	1	bank	bank	NOUN
framr-3062	41	2	risk	risk	NOUN
framr-3062	41	3	is	be	AUX
framr-3062	41	4	the	the	DET
framr-3062	41	5	opposite	opposite	NOUN
framr-3062	41	6	of	of	ADP
framr-3062	41	7	bank	bank	NOUN
framr-3062	41	8	stability	stability	NOUN
framr-3062	41	9	,	,	PUNCT
framr-3062	41	10	meanwhile	meanwhile	ADV
framr-3062	41	11	,	,	PUNCT
framr-3062	41	12	sustainability	sustainability	NOUN
framr-3062	41	13	represents	represent	VERB
framr-3062	41	14	a	a	DET
framr-3062	41	15	sustainable	sustainable	ADJ
framr-3062	41	16	business	business	NOUN
framr-3062	41	17	with	with	ADP
framr-3062	41	18	little	little	ADJ
framr-3062	41	19	volatility	volatility	NOUN
framr-3062	41	20	but	but	CCONJ
framr-3062	41	21	high	high	ADJ
framr-3062	41	22	profits	profit	NOUN
framr-3062	41	23	(	(	PUNCT
framr-3062	41	24	köhler	köhler	NOUN
framr-3062	41	25	,	,	PUNCT
framr-3062	41	26	2015	2015	NUM
framr-3062	41	27	)	)	PUNCT
framr-3062	41	28	.	.	PUNCT
framr-3062	42	1	therefore	therefore	ADV
framr-3062	42	2	,	,	PUNCT
framr-3062	42	3	sustainability	sustainability	NOUN
framr-3062	42	4	will	will	AUX
framr-3062	42	5	focus	focus	VERB
framr-3062	42	6	heavily	heavily	ADV
framr-3062	42	7	on	on	ADP
framr-3062	42	8	business	business	NOUN
framr-3062	42	9	results	result	NOUN
framr-3062	42	10	,	,	PUNCT
framr-3062	42	11	capital	capital	NOUN
framr-3062	42	12	adequacy	adequacy	NOUN
framr-3062	42	13	ratios	ratio	NOUN
framr-3062	42	14	,	,	PUNCT
framr-3062	42	15	and	and	CCONJ
framr-3062	42	16	volatility	volatility	NOUN
framr-3062	42	17	of	of	ADP
framr-3062	42	18	business	business	NOUN
framr-3062	42	19	results	result	NOUN
framr-3062	42	20	(	(	PUNCT
framr-3062	42	21	köhler	köhler	NOUN
framr-3062	42	22	,	,	PUNCT
framr-3062	42	23	2015	2015	NUM
framr-3062	42	24	)	)	PUNCT
framr-3062	42	25	.	.	PUNCT
framr-3062	43	1	as	as	ADP
framr-3062	43	2	a	a	DET
framr-3062	43	3	result	result	NOUN
framr-3062	43	4	,	,	PUNCT
framr-3062	43	5	the	the	DET
framr-3062	43	6	bank	bank	NOUN
framr-3062	43	7	’s	’s	PART
framr-3062	43	8	sustainability	sustainability	NOUN
framr-3062	43	9	is	be	AUX
framr-3062	43	10	inversely	inversely	ADV
framr-3062	43	11	proportional	proportional	ADJ
framr-3062	43	12	to	to	ADP
framr-3062	43	13	the	the	DET
framr-3062	43	14	risk	risk	NOUN
framr-3062	43	15	in	in	ADP
framr-3062	43	16	the	the	DET
framr-3062	43	17	bank	bank	NOUN
framr-3062	43	18	.	.	PUNCT
framr-3062	44	1	therefore	therefore	ADV
framr-3062	44	2	,	,	PUNCT
framr-3062	44	3	some	some	DET
framr-3062	44	4	studies	study	NOUN
framr-3062	44	5	research	research	NOUN
framr-3062	44	6	bank	bank	NOUN
framr-3062	44	7	stability	stability	NOUN
framr-3062	44	8	(	(	PUNCT
framr-3062	44	9	abuzayed	abuzaye	VERB
framr-3062	44	10	,	,	PUNCT
framr-3062	44	11	al	al	PROPN
framr-3062	44	12	-	-	PUNCT
framr-3062	44	13	fayoumi	fayoumi	PROPN
framr-3062	44	14	,	,	PUNCT
framr-3062	44	15	&	&	CCONJ
framr-3062	44	16	molyneux	molyneux	PROPN
framr-3062	44	17	,	,	PUNCT
framr-3062	44	18	2018	2018	NUM
framr-3062	44	19	;	;	PUNCT
framr-3062	44	20	köhler	köhler	NOUN
framr-3062	44	21	,	,	PUNCT
framr-3062	44	22	2015	2015	NUM
framr-3062	44	23	;	;	PUNCT
framr-3062	44	24	nguyen	nguyen	NOUN
framr-3062	44	25	,	,	PUNCT
framr-3062	44	26	skully	skully	ADV
framr-3062	44	27	,	,	PUNCT
framr-3062	44	28	&	&	CCONJ
framr-3062	44	29	perera	perera	PROPN
framr-3062	44	30	,	,	PUNCT
framr-3062	44	31	2012	2012	NUM
framr-3062	44	32	)	)	PUNCT
framr-3062	44	33	,	,	PUNCT
framr-3062	44	34	and	and	CCONJ
framr-3062	44	35	others	other	NOUN
framr-3062	44	36	do	do	AUX
framr-3062	44	37	evaluate	evaluate	VERB
framr-3062	44	38	research	research	NOUN
framr-3062	44	39	on	on	ADP
framr-3062	44	40	risk	risk	NOUN
framr-3062	44	41	(	(	PUNCT
framr-3062	44	42	nguyen	nguyen	NOUN
framr-3062	44	43	,	,	PUNCT
framr-3062	44	44	ho	ho	PROPN
framr-3062	44	45	,	,	PUNCT
framr-3062	44	46	van	van	PROPN
framr-3062	44	47	nguyen	nguyen	PROPN
framr-3062	44	48	,	,	PUNCT
framr-3062	44	49	pham	pham	PROPN
framr-3062	44	50	,	,	PUNCT
framr-3062	44	51	&	&	CCONJ
framr-3062	44	52	nguyen	nguyen	PROPN
framr-3062	44	53	,	,	PUNCT
framr-3062	44	54	2021	2021	NUM
framr-3062	44	55	)	)	PUNCT
framr-3062	44	56	.	.	PUNCT
framr-3062	45	1	in	in	ADP
framr-3062	45	2	addition	addition	NOUN
framr-3062	45	3	,	,	PUNCT
framr-3062	45	4	several	several	ADJ
framr-3062	45	5	market	market	NOUN
framr-3062	45	6	studies	study	NOUN
framr-3062	45	7	focus	focus	VERB
framr-3062	45	8	on	on	ADP
framr-3062	45	9	bank	bank	NOUN
framr-3062	45	10	performance	performance	NOUN
framr-3062	45	11	(	(	PUNCT
framr-3062	45	12	mergaerts	mergaerts	PROPN
framr-3062	45	13	&	&	CCONJ
framr-3062	45	14	vander	vander	PROPN
framr-3062	45	15	vennet	vennet	PROPN
framr-3062	45	16	,	,	PUNCT
framr-3062	45	17	2016	2016	NUM
framr-3062	45	18	)	)	PUNCT
framr-3062	45	19	.	.	PUNCT
framr-3062	46	1	one	one	NUM
framr-3062	46	2	factor	factor	NOUN
framr-3062	46	3	considered	consider	VERB
framr-3062	46	4	important	important	ADJ
framr-3062	46	5	in	in	ADP
framr-3062	46	6	influencing	influence	VERB
framr-3062	46	7	banks	bank	NOUN
framr-3062	46	8	’	'	PUNCT
framr-3062	46	9	risk	risk	NOUN
framr-3062	46	10	is	be	AUX
framr-3062	46	11	the	the	DET
framr-3062	46	12	diversification	diversification	NOUN
framr-3062	46	13	of	of	ADP
framr-3062	46	14	business	business	NOUN
framr-3062	46	15	models	model	NOUN
framr-3062	46	16	(	(	PUNCT
framr-3062	46	17	mahdaleta	mahdaleta	NOUN
framr-3062	46	18	,	,	PUNCT
framr-3062	46	19	muda	muda	NOUN
framr-3062	46	20	,	,	PUNCT
framr-3062	46	21	&	&	CCONJ
framr-3062	46	22	nasir	nasir	PROPN
framr-3062	46	23	,	,	PUNCT
framr-3062	46	24	2016	2016	NUM
framr-3062	46	25	)	)	PUNCT
framr-3062	46	26	.	.	PUNCT
framr-3062	47	1	accordingly	accordingly	ADV
framr-3062	47	2	,	,	PUNCT
framr-3062	47	3	the	the	DET
framr-3062	47	4	diversification	diversification	NOUN
framr-3062	47	5	of	of	ADP
framr-3062	47	6	business	business	NOUN
framr-3062	47	7	models	model	NOUN
framr-3062	47	8	will	will	AUX
framr-3062	47	9	aim	aim	VERB
framr-3062	47	10	to	to	PART
framr-3062	47	11	create	create	VERB
framr-3062	47	12	more	more	ADJ
framr-3062	47	13	sources	source	NOUN
framr-3062	47	14	of	of	ADP
framr-3062	47	15	income	income	NOUN
framr-3062	47	16	for	for	ADP
framr-3062	47	17	the	the	DET
framr-3062	47	18	bank	bank	NOUN
framr-3062	47	19	(	(	PUNCT
framr-3062	47	20	köhler	köhler	NOUN
framr-3062	47	21	,	,	PUNCT
framr-3062	47	22	2015	2015	NUM
framr-3062	47	23	;	;	PUNCT
framr-3062	47	24	nguyen	nguyen	NOUN
framr-3062	47	25	et	et	PROPN
framr-3062	47	26	al	al	PROPN
framr-3062	47	27	.	.	PROPN
framr-3062	47	28	,	,	PUNCT
framr-3062	47	29	2021	2021	NUM
framr-3062	47	30	)	)	PUNCT
framr-3062	47	31	.	.	PUNCT
framr-3062	48	1	diversifying	diversify	VERB
framr-3062	48	2	business	business	NOUN
framr-3062	48	3	models	model	NOUN
framr-3062	48	4	in	in	ADP
framr-3062	48	5	the	the	DET
framr-3062	48	6	bank	bank	NOUN
framr-3062	48	7	make	make	VERB
framr-3062	48	8	different	different	ADJ
framr-3062	48	9	sources	source	NOUN
framr-3062	48	10	of	of	ADP
framr-3062	48	11	income	income	NOUN
framr-3062	48	12	besides	besides	SCONJ
framr-3062	48	13	the	the	DET
framr-3062	48	14	main	main	ADJ
framr-3062	48	15	source	source	NOUN
framr-3062	48	16	interest	interest	NOUN
framr-3062	48	17	income	income	NOUN
framr-3062	48	18	.	.	PUNCT
framr-3062	49	1	business	business	NOUN
framr-3062	49	2	models	model	NOUN
framr-3062	49	3	describe	describe	VERB
framr-3062	49	4	how	how	SCONJ
framr-3062	49	5	banks	bank	NOUN
framr-3062	49	6	generate	generate	VERB
framr-3062	49	7	profits	profit	NOUN
framr-3062	49	8	,	,	PUNCT
framr-3062	49	9	what	what	DET
framr-3062	49	10	customers	customer	NOUN
framr-3062	49	11	they	they	PRON
framr-3062	49	12	serve	serve	VERB
framr-3062	49	13	,	,	PUNCT
framr-3062	49	14	and	and	CCONJ
framr-3062	49	15	which	which	DET
framr-3062	49	16	distribution	distribution	NOUN
framr-3062	49	17	channels	channel	NOUN
framr-3062	49	18	they	they	PRON
framr-3062	49	19	use	use	VERB
framr-3062	49	20	(	(	PUNCT
framr-3062	49	21	köhler	köhler	NOUN
framr-3062	49	22	,	,	PUNCT
framr-3062	49	23	2015	2015	NUM
framr-3062	49	24	)	)	PUNCT
framr-3062	49	25	.	.	PUNCT
framr-3062	50	1	researches	research	VERB
framr-3062	50	2	evaluating	evaluate	VERB
framr-3062	50	3	the	the	DET
framr-3062	50	4	impact	impact	NOUN
framr-3062	50	5	of	of	ADP
framr-3062	50	6	business	business	NOUN
framr-3062	50	7	model	model	NOUN
framr-3062	50	8	diversification	diversification	NOUN
framr-3062	50	9	on	on	ADP
framr-3062	50	10	the	the	DET
framr-3062	50	11	sustainability	sustainability	NOUN
framr-3062	50	12	of	of	ADP
framr-3062	50	13	banks	bank	NOUN
framr-3062	50	14	is	be	AUX
framr-3062	50	15	still	still	ADV
framr-3062	50	16	controversial	controversial	ADJ
framr-3062	50	17	.	.	PUNCT
framr-3062	51	1	studies	study	NOUN
framr-3062	51	2	show	show	VERB
framr-3062	51	3	a	a	DET
framr-3062	51	4	positive	positive	ADJ
framr-3062	51	5	effect	effect	NOUN
framr-3062	51	6	of	of	ADP
framr-3062	51	7	the	the	DET
framr-3062	51	8	business	business	NOUN
framr-3062	51	9	model	model	NOUN
framr-3062	51	10	on	on	ADP
framr-3062	51	11	bank	bank	NOUN
framr-3062	51	12	stability	stability	NOUN
framr-3062	51	13	(	(	PUNCT
framr-3062	51	14	froot	froot	PROPN
framr-3062	51	15	,	,	PUNCT
framr-3062	51	16	scharfstein	scharfstein	PROPN
framr-3062	51	17	,	,	PUNCT
framr-3062	51	18	&	&	CCONJ
framr-3062	51	19	stein	stein	PROPN
framr-3062	51	20	,	,	PUNCT
framr-3062	51	21	1993	1993	NUM
framr-3062	51	22	;	;	PUNCT
framr-3062	51	23	köhler	köhler	NOUN
framr-3062	51	24	,	,	PUNCT
framr-3062	51	25	2015	2015	NUM
framr-3062	51	26	;	;	PUNCT
framr-3062	51	27	trivedi	trivedi	PROPN
framr-3062	51	28	,	,	PUNCT
framr-3062	51	29	2015b	2015b	NUM
framr-3062	51	30	)	)	PUNCT
framr-3062	51	31	.	.	PUNCT
framr-3062	52	1	banks	bank	NOUN
framr-3062	52	2	implemented	implement	VERB
framr-3062	52	3	diversification	diversification	NOUN
framr-3062	52	4	of	of	ADP
framr-3062	52	5	business	business	NOUN
framr-3062	52	6	models	model	NOUN
framr-3062	52	7	at	at	ADP
framr-3062	52	8	that	that	DET
framr-3062	52	9	time	time	NOUN
framr-3062	52	10	,	,	PUNCT
framr-3062	52	11	and	and	CCONJ
framr-3062	52	12	business	business	NOUN
framr-3062	52	13	results	result	NOUN
framr-3062	52	14	grew	grow	VERB
framr-3062	52	15	well	well	ADV
framr-3062	52	16	from	from	ADP
framr-3062	52	17	this	this	DET
framr-3062	52	18	diversification	diversification	NOUN
framr-3062	52	19	(	(	PUNCT
framr-3062	52	20	froot	froot	INTJ
framr-3062	52	21	et	et	PROPN
framr-3062	52	22	al	al	PROPN
framr-3062	52	23	.	.	PROPN
framr-3062	52	24	,	,	PUNCT
framr-3062	52	25	1993	1993	NUM
framr-3062	52	26	;	;	PUNCT
framr-3062	52	27	froot	froot	PROPN
framr-3062	52	28	&	&	CCONJ
framr-3062	52	29	stein	stein	PROPN
framr-3062	52	30	,	,	PUNCT
framr-3062	52	31	1998	1998	NUM
framr-3062	52	32	)	)	PUNCT
framr-3062	52	33	.	.	PUNCT
framr-3062	53	1	this	this	PRON
framr-3062	53	2	will	will	AUX
framr-3062	53	3	show	show	VERB
framr-3062	53	4	that	that	SCONJ
framr-3062	53	5	the	the	DET
framr-3062	53	6	bank	bank	NOUN
framr-3062	53	7	’s	’s	PART
framr-3062	53	8	operating	operating	NOUN
framr-3062	53	9	system	system	NOUN
framr-3062	53	10	for	for	ADP
framr-3062	53	11	non	non	ADJ
framr-3062	53	12	-	-	ADJ
framr-3062	53	13	interest	interest	ADJ
framr-3062	53	14	businesses	business	NOUN
framr-3062	53	15	is	be	AUX
framr-3062	53	16	highly	highly	ADV
framr-3062	53	17	effective	effective	ADJ
framr-3062	53	18	.	.	PUNCT
framr-3062	54	1	the	the	DET
framr-3062	54	2	increase	increase	NOUN
framr-3062	54	3	in	in	ADP
framr-3062	54	4	non	non	ADJ
framr-3062	54	5	-	-	ADJ
framr-3062	54	6	interest	interest	ADJ
framr-3062	54	7	income	income	NOUN
framr-3062	54	8	has	have	AUX
framr-3062	54	9	helped	help	VERB
framr-3062	54	10	banks	bank	NOUN
framr-3062	54	11	develop	develop	VERB
framr-3062	54	12	more	more	ADV
framr-3062	54	13	stably	stably	ADV
framr-3062	54	14	and	and	CCONJ
framr-3062	54	15	reduce	reduce	VERB
framr-3062	54	16	bank	bank	NOUN
framr-3062	54	17	risk	risk	NOUN
framr-3062	54	18	due	due	ADP
framr-3062	54	19	to	to	ADP
framr-3062	54	20	the	the	DET
framr-3062	54	21	increased	increase	VERB
framr-3062	54	22	role	role	NOUN
framr-3062	54	23	of	of	ADP
framr-3062	54	24	banks	bank	NOUN
framr-3062	54	25	as	as	ADP
framr-3062	54	26	financial	financial	ADJ
framr-3062	54	27	intermediaries	intermediary	NOUN
framr-3062	54	28	(	(	PUNCT
framr-3062	54	29	köhler	köhler	NOUN
framr-3062	54	30	,	,	PUNCT
framr-3062	54	31	2015	2015	NUM
framr-3062	54	32	)	)	PUNCT
framr-3062	54	33	.	.	PUNCT
framr-3062	55	1	the	the	DET
framr-3062	55	2	diversification	diversification	NOUN
framr-3062	55	3	of	of	ADP
framr-3062	55	4	business	business	NOUN
framr-3062	55	5	models	model	NOUN
framr-3062	55	6	will	will	AUX
framr-3062	55	7	help	help	VERB
framr-3062	55	8	reduce	reduce	VERB
framr-3062	55	9	the	the	DET
framr-3062	55	10	level	level	NOUN
framr-3062	55	11	of	of	ADP
framr-3062	55	12	risk	risk	NOUN
framr-3062	55	13	concentration	concentration	NOUN
framr-3062	55	14	in	in	ADP
framr-3062	55	15	the	the	DET
framr-3062	55	16	bank	bank	NOUN
framr-3062	55	17	.	.	PUNCT
framr-3062	56	1	people	people	NOUN
framr-3062	56	2	perform	perform	VERB
framr-3062	56	3	better	well	ADV
framr-3062	56	4	based	base	VERB
framr-3062	56	5	on	on	ADP
framr-3062	56	6	management	management	NOUN
framr-3062	56	7	skills	skill	NOUN
framr-3062	56	8	or	or	CCONJ
framr-3062	56	9	existing	exist	VERB
framr-3062	56	10	management	management	NOUN
framr-3062	56	11	systems	system	NOUN
framr-3062	56	12	(	(	PUNCT
framr-3062	56	13	trivedi	trivedi	NOUN
framr-3062	56	14	,	,	PUNCT
framr-3062	56	15	2015b	2015b	NUM
framr-3062	56	16	)	)	PUNCT
framr-3062	56	17	.	.	PUNCT
framr-3062	57	1	besides	besides	SCONJ
framr-3062	57	2	the	the	DET
framr-3062	57	3	positive	positive	ADJ
framr-3062	57	4	impact	impact	NOUN
framr-3062	57	5	of	of	ADP
framr-3062	57	6	business	business	NOUN
framr-3062	57	7	model	model	NOUN
framr-3062	57	8	diversification	diversification	NOUN
framr-3062	57	9	on	on	ADP
framr-3062	57	10	bank	bank	NOUN
framr-3062	57	11	sustainability	sustainability	NOUN
framr-3062	57	12	,	,	PUNCT
framr-3062	57	13	there	there	PRON
framr-3062	57	14	is	be	VERB
framr-3062	57	15	still	still	ADV
framr-3062	57	16	a	a	DET
framr-3062	57	17	negative	negative	ADJ
framr-3062	57	18	impact	impact	NOUN
framr-3062	57	19	on	on	ADP
framr-3062	57	20	bank	bank	NOUN
framr-3062	57	21	sustainability	sustainability	NOUN
framr-3062	57	22	(	(	PUNCT
framr-3062	57	23	abuzayed	abuzaye	VERB
framr-3062	57	24	et	et	PROPN
framr-3062	57	25	al	al	PROPN
framr-3062	57	26	.	.	PROPN
framr-3062	57	27	,	,	PUNCT
framr-3062	57	28	2018	2018	NUM
framr-3062	57	29	;	;	PUNCT
framr-3062	57	30	deyoung	deyoung	PROPN
framr-3062	57	31	&	&	CCONJ
framr-3062	57	32	torna	torna	PROPN
framr-3062	57	33	,	,	PUNCT
framr-3062	57	34	2013	2013	NUM
framr-3062	57	35	;	;	PUNCT
framr-3062	57	36	nguyen	nguyen	PROPN
framr-3062	57	37	et	et	PROPN
framr-3062	57	38	al	al	PROPN
framr-3062	57	39	.	.	PROPN
framr-3062	57	40	,	,	PUNCT
framr-3062	57	41	2021	2021	NUM
framr-3062	57	42	;	;	PUNCT
framr-3062	57	43	williams	williams	PROPN
framr-3062	57	44	&	&	CCONJ
framr-3062	57	45	prather	prather	PROPN
framr-3062	57	46	,	,	PUNCT
framr-3062	57	47	2010	2010	NUM
framr-3062	57	48	)	)	PUNCT
framr-3062	57	49	.	.	PUNCT
framr-3062	58	1	banks	bank	NOUN
framr-3062	58	2	will	will	AUX
framr-3062	58	3	face	face	VERB
framr-3062	58	4	more	more	ADJ
framr-3062	58	5	risks	risk	NOUN
framr-3062	58	6	when	when	SCONJ
framr-3062	58	7	diversifying	diversify	VERB
framr-3062	58	8	their	their	PRON
framr-3062	58	9	business	business	NOUN
framr-3062	58	10	models	model	NOUN
framr-3062	58	11	when	when	SCONJ
framr-3062	58	12	the	the	DET
framr-3062	58	13	management	management	NOUN
framr-3062	58	14	system	system	NOUN
framr-3062	58	15	is	be	AUX
framr-3062	58	16	limited	limit	VERB
framr-3062	58	17	(	(	PUNCT
framr-3062	58	18	nguyen	nguyen	NOUN
framr-3062	58	19	et	et	PROPN
framr-3062	58	20	al	al	PROPN
framr-3062	58	21	.	.	PROPN
framr-3062	58	22	,	,	PUNCT
framr-3062	58	23	2021	2021	NUM
framr-3062	58	24	)	)	PUNCT
framr-3062	58	25	.	.	PUNCT
framr-3062	59	1	concurrently	concurrently	ADV
framr-3062	59	2	,	,	PUNCT
framr-3062	59	3	increased	increase	VERB
framr-3062	59	4	participation	participation	NOUN
framr-3062	59	5	in	in	ADP
framr-3062	59	6	the	the	DET
framr-3062	59	7	derivatives	derivative	NOUN
framr-3062	59	8	market	market	NOUN
framr-3062	59	9	and	and	CCONJ
framr-3062	59	10	larger	large	ADJ
framr-3062	59	11	loan	loan	NOUN
framr-3062	59	12	portfolios	portfolio	NOUN
framr-3062	59	13	have	have	AUX
framr-3062	59	14	increased	increase	VERB
framr-3062	59	15	the	the	DET
framr-3062	59	16	bank	bank	NOUN
framr-3062	59	17	’s	’s	PART
framr-3062	59	18	exposure	exposure	NOUN
framr-3062	59	19	to	to	ADP
framr-3062	59	20	capital	capital	NOUN
framr-3062	59	21	ratios	ratio	NOUN
framr-3062	59	22	(	(	PUNCT
framr-3062	59	23	deyoung	deyoung	PROPN
framr-3062	59	24	&	&	CCONJ
framr-3062	59	25	torna	torna	PROPN
framr-3062	59	26	,	,	PUNCT
framr-3062	59	27	2013	2013	NUM
framr-3062	59	28	)	)	PUNCT
framr-3062	59	29	.	.	PUNCT
framr-3062	60	1	besides	besides	SCONJ
framr-3062	60	2	,	,	PUNCT
framr-3062	60	3	some	some	DET
framr-3062	60	4	studies	study	NOUN
framr-3062	60	5	show	show	VERB
framr-3062	60	6	that	that	SCONJ
framr-3062	60	7	diversifying	diversify	VERB
framr-3062	60	8	business	business	NOUN
framr-3062	60	9	models	model	NOUN
framr-3062	60	10	helps	help	VERB
framr-3062	60	11	reduce	reduce	VERB
framr-3062	60	12	risk	risk	NOUN
framr-3062	60	13	but	but	CCONJ
framr-3062	60	14	does	do	AUX
framr-3062	60	15	not	not	PART
framr-3062	60	16	make	make	VERB
framr-3062	60	17	banks	bank	NOUN
framr-3062	60	18	more	more	ADV
framr-3062	60	19	sustainable	sustainable	ADJ
framr-3062	60	20	(	(	PUNCT
framr-3062	60	21	abuzayed	abuzaye	VERB
framr-3062	60	22	et	et	PROPN
framr-3062	60	23	al	al	PROPN
framr-3062	60	24	.	.	PROPN
framr-3062	60	25	,	,	PUNCT
framr-3062	60	26	2018	2018	NUM
framr-3062	60	27	)	)	PUNCT
framr-3062	60	28	.	.	PUNCT
framr-3062	61	1	3	3	X
framr-3062	61	2	.	.	X
framr-3062	61	3	methodology	methodology	NOUN
framr-3062	61	4	3.1	3.1	NUM
framr-3062	61	5	.	.	PUNCT
framr-3062	62	1	empirical	empirical	ADJ
framr-3062	62	2	research	research	NOUN
framr-3062	62	3	model	model	NOUN
framr-3062	62	4	this	this	DET
framr-3062	62	5	paper	paper	NOUN
framr-3062	62	6	follows	follow	VERB
framr-3062	62	7	the	the	DET
framr-3062	62	8	previous	previous	ADJ
framr-3062	62	9	research	research	NOUN
framr-3062	62	10	of	of	ADP
framr-3062	62	11	köhler	köhler	NOUN
framr-3062	62	12	(	(	PUNCT
framr-3062	62	13	2015	2015	NUM
framr-3062	62	14	)	)	PUNCT
framr-3062	62	15	,	,	PUNCT
framr-3062	62	16	presenting	present	VERB
framr-3062	62	17	as	as	SCONJ
framr-3062	62	18	follows	follow	VERB
framr-3062	62	19	:	:	PUNCT
framr-3062	62	20	financial	financial	ADJ
framr-3062	62	21	risk	risk	NOUN
framr-3062	62	22	and	and	CCONJ
framr-3062	62	23	management	management	NOUN
framr-3062	62	24	reviews	review	NOUN
framr-3062	62	25	,	,	PUNCT
framr-3062	62	26	2022	2022	NUM
framr-3062	62	27	,	,	PUNCT
framr-3062	62	28	8(1	8(1	NOUN
framr-3062	62	29	):	):	PUNCT
framr-3062	62	30	20	20	NUM
framr-3062	62	31	-	-	SYM
framr-3062	62	32	26	26	NUM
framr-3062	62	33	22	22	NUM
framr-3062	62	34	©	©	PROPN
framr-3062	62	35	2022	2022	NUM
framr-3062	62	36	conscientia	conscientia	PROPN
framr-3062	62	37	beam	beam	PROPN
framr-3062	62	38	.	.	PUNCT
framr-3062	63	1	all	all	DET
framr-3062	63	2	rights	right	NOUN
framr-3062	63	3	reserved	reserve	VERB
framr-3062	63	4	.	.	PUNCT
framr-3062	64	1	𝐵𝑎𝑛𝑘	𝐵𝑎𝑛𝑘	ADJ
framr-3062	64	2	𝑟𝑖𝑠𝑘𝑖𝑡	𝑟𝑖𝑠𝑘𝑖𝑡	NOUN
framr-3062	64	3	=	=	PUNCT
framr-3062	64	4	𝛼𝑖	𝛼𝑖	PROPN
framr-3062	64	5	+	+	CCONJ
framr-3062	64	6	𝛽1	𝛽1	NOUN
framr-3062	64	7	∗	∗	NOUN
framr-3062	64	8	𝐵𝑎𝑛𝑘	𝐵𝑎𝑛𝑘	PROPN
framr-3062	64	9	𝑏𝑢𝑠𝑖𝑛𝑒𝑠	𝑏𝑢𝑠𝑖𝑛𝑒𝑠	NOUN
framr-3062	64	10	𝑚𝑜𝑑𝑒𝑙𝑖𝑡	𝑚𝑜𝑑𝑒𝑙𝑖𝑡	VERB
framr-3062	64	11	+	+	SYM
framr-3062	64	12	𝛽2	𝛽2	NOUN
framr-3062	64	13	∗	∗	NOUN
framr-3062	64	14	𝐶𝑜𝑛𝑡𝑟𝑜𝑙𝑉𝑎𝑟𝑖𝑎𝑏𝑙𝑒𝑠𝑖𝑡	𝐶𝑜𝑛𝑡𝑟𝑜𝑙𝑉𝑎𝑟𝑖𝑎𝑏𝑙𝑒𝑠𝑖𝑡	NOUN
framr-3062	64	15	+	+	CCONJ
framr-3062	64	16	𝜀𝑖𝑡	𝜀𝑖𝑡	VERB
framr-3062	64	17	table	table	NOUN
framr-3062	64	18	1	1	NUM
framr-3062	64	19	presents	present	VERB
framr-3062	64	20	the	the	DET
framr-3062	64	21	description	description	NOUN
framr-3062	64	22	of	of	ADP
framr-3062	64	23	the	the	DET
framr-3062	64	24	variable	variable	NOUN
framr-3062	64	25	.	.	PUNCT
framr-3062	65	1	table	table	NOUN
framr-3062	65	2	1	1	NUM
framr-3062	65	3	.	.	PUNCT
framr-3062	66	1	variables	variable	NOUN
framr-3062	66	2	description	description	NOUN
framr-3062	66	3	.	.	PUNCT
framr-3062	67	1	variables	variable	NOUN
framr-3062	67	2	description	description	NOUN
framr-3062	67	3	expected	expect	VERB
framr-3062	67	4	sign	sign	VERB
framr-3062	67	5	dependent	dependent	ADJ
framr-3062	67	6	variables	variable	NOUN
framr-3062	67	7	z	z	NOUN
framr-3062	67	8	-	-	PUNCT
framr-3062	67	9	score	score	NOUN
framr-3062	67	10	bank	bank	NOUN
framr-3062	67	11	risk	risk	NOUN
framr-3062	67	12	,	,	PUNCT
framr-3062	67	13	calculated	calculate	VERB
framr-3062	67	14	by	by	ADP
framr-3062	67	15	the	the	DET
framr-3062	67	16	sum	sum	NOUN
framr-3062	67	17	of	of	ADP
framr-3062	67	18	roa	roa	NOUN
framr-3062	67	19	and	and	CCONJ
framr-3062	67	20	car	car	NOUN
framr-3062	67	21	,	,	PUNCT
framr-3062	67	22	divided	divide	VERB
framr-3062	67	23	by	by	ADP
framr-3062	67	24	sdroa	sdroa	NOUN
framr-3062	67	25	racar	racar	NOUN
framr-3062	67	26	risk	risk	NOUN
framr-3062	67	27	-	-	PUNCT
framr-3062	67	28	adjusted	adjust	VERB
framr-3062	67	29	car	car	NOUN
framr-3062	67	30	of	of	ADP
framr-3062	67	31	banks=	banks=	NOUN
framr-3062	67	32	car	car	NOUN
framr-3062	67	33	/	/	SYM
framr-3062	67	34	sdcar	sdcar	NOUN
framr-3062	67	35	main	main	ADJ
framr-3062	67	36	independent	independent	ADJ
framr-3062	67	37	variables	variable	NOUN
framr-3062	67	38	nnii	nnii	VERB
framr-3062	67	39	the	the	DET
framr-3062	67	40	fraction	fraction	NOUN
framr-3062	67	41	of	of	ADP
framr-3062	67	42	net	net	ADJ
framr-3062	67	43	non	non	ADJ
framr-3062	67	44	-	-	ADJ
framr-3062	67	45	interest	interest	ADJ
framr-3062	67	46	income	income	NOUN
framr-3062	67	47	divided	divide	VERB
framr-3062	67	48	by	by	ADP
framr-3062	67	49	net	net	ADJ
framr-3062	67	50	operating	operating	NOUN
framr-3062	67	51	income	income	NOUN
framr-3062	67	52	(	(	PUNCT
framr-3062	67	53	+	+	NOUN
framr-3062	67	54	)	)	PUNCT
framr-3062	67	55	trade	trade	VERB
framr-3062	67	56	the	the	DET
framr-3062	67	57	fraction	fraction	NOUN
framr-3062	67	58	of	of	ADP
framr-3062	67	59	trading	trading	NOUN
framr-3062	67	60	income	income	NOUN
framr-3062	67	61	divided	divide	VERB
framr-3062	67	62	by	by	ADP
framr-3062	67	63	net	net	ADJ
framr-3062	67	64	operating	operating	NOUN
framr-3062	67	65	income	income	NOUN
framr-3062	67	66	(	(	PUNCT
framr-3062	67	67	+	+	NOUN
framr-3062	67	68	)	)	PUNCT
framr-3062	67	69	control	control	NOUN
framr-3062	67	70	variables	variable	NOUN
framr-3062	67	71	size	size	NOUN
framr-3062	67	72	banks	bank	NOUN
framr-3062	67	73	’	’	PART
framr-3062	67	74	total	total	ADJ
framr-3062	67	75	assets	asset	NOUN
framr-3062	67	76	(	(	PUNCT
framr-3062	67	77	+	+	NOUN
framr-3062	67	78	)	)	PUNCT
framr-3062	67	79	loans	loan	NOUN
framr-3062	67	80	the	the	DET
framr-3062	67	81	ratio	ratio	NOUN
framr-3062	67	82	of	of	ADP
framr-3062	67	83	total	total	ADJ
framr-3062	67	84	loans	loan	NOUN
framr-3062	67	85	to	to	ADP
framr-3062	67	86	total	total	ADJ
framr-3062	67	87	assets	asset	NOUN
framr-3062	67	88	(	(	PUNCT
framr-3062	67	89	-	-	SYM
framr-3062	67	90	)	)	PUNCT
framr-3062	67	91	car	car	NOUN
framr-3062	67	92	the	the	DET
framr-3062	67	93	ratio	ratio	NOUN
framr-3062	67	94	of	of	ADP
framr-3062	67	95	equity	equity	NOUN
framr-3062	67	96	on	on	ADP
framr-3062	67	97	total	total	ADJ
framr-3062	67	98	assets	asset	NOUN
framr-3062	67	99	.	.	PUNCT
framr-3062	68	1	(	(	PUNCT
framr-3062	68	2	+	+	ADV
framr-3062	68	3	)	)	PUNCT
framr-3062	68	4	in	in	ADP
framr-3062	68	5	the	the	DET
framr-3062	68	6	model	model	NOUN
framr-3062	68	7	,	,	PUNCT
framr-3062	68	8	the	the	DET
framr-3062	68	9	bank	bank	NOUN
framr-3062	68	10	risk	risk	NOUN
framr-3062	68	11	index	index	NOUN
framr-3062	68	12	is	be	AUX
framr-3062	68	13	used	use	VERB
framr-3062	68	14	in	in	ADP
framr-3062	68	15	contrast	contrast	NOUN
framr-3062	68	16	to	to	ADP
framr-3062	68	17	bank	bank	NOUN
framr-3062	68	18	stability	stability	NOUN
framr-3062	68	19	.	.	PUNCT
framr-3062	69	1	particularly	particularly	ADV
framr-3062	69	2	,	,	PUNCT
framr-3062	69	3	the	the	PRON
framr-3062	69	4	higher	high	ADJ
framr-3062	69	5	the	the	DET
framr-3062	69	6	zscore	zscore	NOUN
framr-3062	69	7	and	and	CCONJ
framr-3062	69	8	racar	racar	NOUN
framr-3062	69	9	,	,	PUNCT
framr-3062	69	10	the	the	PRON
framr-3062	69	11	more	more	ADV
framr-3062	69	12	sustainable	sustainable	ADJ
framr-3062	69	13	the	the	DET
framr-3062	69	14	bank	bank	NOUN
framr-3062	69	15	or	or	CCONJ
framr-3062	69	16	reduce	reduce	VERB
framr-3062	69	17	the	the	DET
framr-3062	69	18	bank	bank	NOUN
framr-3062	69	19	risk	risk	NOUN
framr-3062	69	20	.	.	PUNCT
framr-3062	70	1	3.2	3.2	NUM
framr-3062	70	2	.	.	PUNCT
framr-3062	71	1	data	datum	NOUN
framr-3062	71	2	data	datum	NOUN
framr-3062	71	3	is	be	AUX
framr-3062	71	4	collected	collect	VERB
framr-3062	71	5	through	through	ADP
framr-3062	71	6	the	the	DET
framr-3062	71	7	financial	financial	ADJ
framr-3062	71	8	statements	statement	NOUN
framr-3062	71	9	of	of	ADP
framr-3062	71	10	commercial	commercial	ADJ
framr-3062	71	11	joint	joint	ADJ
framr-3062	71	12	-	-	PUNCT
framr-3062	71	13	stock	stock	NOUN
framr-3062	71	14	banks	bank	NOUN
framr-3062	71	15	listed	list	VERB
framr-3062	71	16	in	in	ADP
framr-3062	71	17	vietnam	vietnam	PROPN
framr-3062	71	18	from	from	ADP
framr-3062	71	19	2010	2010	NUM
framr-3062	71	20	to	to	ADP
framr-3062	71	21	2019	2019	NUM
framr-3062	71	22	.	.	PUNCT
framr-3062	72	1	the	the	DET
framr-3062	72	2	collected	collect	VERB
framr-3062	72	3	data	datum	NOUN
framr-3062	72	4	will	will	AUX
framr-3062	72	5	be	be	AUX
framr-3062	72	6	cleaned	clean	VERB
framr-3062	72	7	when	when	SCONJ
framr-3062	72	8	excluding	exclude	VERB
framr-3062	72	9	banks	bank	NOUN
framr-3062	72	10	with	with	ADP
framr-3062	72	11	missing	miss	VERB
framr-3062	72	12	values	value	NOUN
framr-3062	72	13	in	in	ADP
framr-3062	72	14	3	3	NUM
framr-3062	72	15	years	year	NOUN
framr-3062	72	16	and	and	CCONJ
framr-3062	72	17	a	a	DET
framr-3062	72	18	missing	miss	VERB
framr-3062	72	19	rate	rate	NOUN
framr-3062	72	20	of	of	ADP
framr-3062	72	21	more	more	ADJ
framr-3062	72	22	than	than	ADP
framr-3062	72	23	15	15	NUM
framr-3062	72	24	%	%	NOUN
framr-3062	72	25	of	of	ADP
framr-3062	72	26	the	the	DET
framr-3062	72	27	general	general	ADJ
framr-3062	72	28	data	data	PROPN
framr-3062	72	29	.	.	PUNCT
framr-3062	73	1	the	the	DET
framr-3062	73	2	final	final	ADJ
framr-3062	73	3	data	datum	NOUN
framr-3062	73	4	included	include	VERB
framr-3062	73	5	in	in	ADP
framr-3062	73	6	the	the	DET
framr-3062	73	7	analysis	analysis	NOUN
framr-3062	73	8	of	of	ADP
framr-3062	73	9	18	18	NUM
framr-3062	73	10	banks	bank	NOUN
framr-3062	73	11	were	be	AUX
framr-3062	73	12	retained	retain	VERB
framr-3062	73	13	.	.	PUNCT
framr-3062	74	1	the	the	DET
framr-3062	74	2	results	result	NOUN
framr-3062	74	3	describe	describe	VERB
framr-3062	74	4	the	the	DET
framr-3062	74	5	data	datum	NOUN
framr-3062	74	6	collected	collect	VERB
framr-3062	74	7	in	in	ADP
framr-3062	74	8	table	table	NOUN
framr-3062	74	9	2	2	NUM
framr-3062	74	10	.	.	PUNCT
framr-3062	75	1	the	the	DET
framr-3062	75	2	mean	mean	PROPN
framr-3062	75	3	zscore	zscore	NOUN
framr-3062	75	4	is	be	AUX
framr-3062	75	5	25.19	25.19	NUM
framr-3062	75	6	,	,	PUNCT
framr-3062	75	7	the	the	DET
framr-3062	75	8	largest	large	ADJ
framr-3062	75	9	is	be	AUX
framr-3062	75	10	57.43	57.43	NUM
framr-3062	75	11	,	,	PUNCT
framr-3062	75	12	and	and	CCONJ
framr-3062	75	13	the	the	DET
framr-3062	75	14	smallest	small	ADJ
framr-3062	75	15	is	be	AUX
framr-3062	75	16	0.49	0.49	NUM
framr-3062	75	17	.	.	PUNCT
framr-3062	76	1	the	the	DET
framr-3062	76	2	mean	mean	ADJ
framr-3062	76	3	racar	racar	NOUN
framr-3062	76	4	was	be	AUX
framr-3062	76	5	23.02	23.02	NUM
framr-3062	76	6	,	,	PUNCT
framr-3062	76	7	the	the	DET
framr-3062	76	8	maximum	maximum	NOUN
framr-3062	76	9	was	be	AUX
framr-3062	76	10	53.31	53.31	NUM
framr-3062	76	11	,	,	PUNCT
framr-3062	76	12	and	and	CCONJ
framr-3062	76	13	the	the	DET
framr-3062	76	14	smallest	small	ADJ
framr-3062	76	15	was	be	AUX
framr-3062	76	16	0	0	NUM
framr-3062	76	17	.	.	PUNCT
framr-3062	77	1	the	the	DET
framr-3062	77	2	mean	mean	ADJ
framr-3062	77	3	nnii	nnii	NOUN
framr-3062	77	4	was	be	AUX
framr-3062	77	5	0.20	0.20	NUM
framr-3062	77	6	,	,	PUNCT
framr-3062	77	7	the	the	DET
framr-3062	77	8	maximum	maximum	NOUN
framr-3062	77	9	was	be	AUX
framr-3062	77	10	0.57	0.57	NUM
framr-3062	77	11	,	,	PUNCT
framr-3062	77	12	and	and	CCONJ
framr-3062	77	13	the	the	DET
framr-3062	77	14	smallest	small	ADJ
framr-3062	77	15	was	be	AUX
framr-3062	77	16	-0.05	-0.05	ADJ
framr-3062	77	17	.	.	PUNCT
framr-3062	78	1	the	the	DET
framr-3062	78	2	mean	mean	ADJ
framr-3062	78	3	trade	trade	NOUN
framr-3062	78	4	is	be	AUX
framr-3062	78	5	0.559	0.559	NUM
framr-3062	78	6	,	,	PUNCT
framr-3062	78	7	the	the	DET
framr-3062	78	8	largest	large	ADJ
framr-3062	78	9	is	be	AUX
framr-3062	78	10	8.54	8.54	NUM
framr-3062	78	11	,	,	PUNCT
framr-3062	78	12	and	and	CCONJ
framr-3062	78	13	the	the	DET
framr-3062	78	14	smallest	small	ADJ
framr-3062	78	15	is	be	AUX
framr-3062	78	16	-8.89	-8.89	NUM
framr-3062	78	17	.	.	PUNCT
framr-3062	79	1	the	the	DET
framr-3062	79	2	mean	mean	ADJ
framr-3062	79	3	loans	loan	NOUN
framr-3062	79	4	is	be	AUX
framr-3062	79	5	0.55	0.55	NUM
framr-3062	79	6	,	,	PUNCT
framr-3062	79	7	the	the	DET
framr-3062	79	8	maximum	maximum	NOUN
framr-3062	79	9	is	be	AUX
framr-3062	79	10	0.74	0.74	NUM
framr-3062	79	11	,	,	PUNCT
framr-3062	79	12	and	and	CCONJ
framr-3062	79	13	the	the	DET
framr-3062	79	14	smallest	small	ADJ
framr-3062	79	15	is	be	AUX
framr-3062	79	16	0.14	0.14	NUM
framr-3062	79	17	.	.	PUNCT
framr-3062	80	1	the	the	DET
framr-3062	80	2	mean	mean	ADJ
framr-3062	80	3	car	car	NOUN
framr-3062	80	4	is	be	AUX
framr-3062	80	5	0.1	0.1	NUM
framr-3062	80	6	,	,	PUNCT
framr-3062	80	7	the	the	DET
framr-3062	80	8	maximum	maximum	NOUN
framr-3062	80	9	is	be	AUX
framr-3062	80	10	0.4	0.4	NUM
framr-3062	80	11	,	,	PUNCT
framr-3062	80	12	and	and	CCONJ
framr-3062	80	13	the	the	DET
framr-3062	80	14	minimum	minimum	NOUN
framr-3062	80	15	is	be	AUX
framr-3062	80	16	0	0	NUM
framr-3062	80	17	.	.	PUNCT
framr-3062	80	18	table	table	NOUN
framr-3062	81	1	2	2	NUM
framr-3062	81	2	.	.	PUNCT
framr-3062	81	3	descriptive	descriptive	ADJ
framr-3062	81	4	variables	variable	NOUN
framr-3062	81	5	.	.	PUNCT
framr-3062	82	1	variables	variable	NOUN
framr-3062	82	2	mean	mean	VERB
framr-3062	83	1	std	std	X
framr-3062	83	2	.	.	PROPN
framr-3062	83	3	dev	dev	PROPN
framr-3062	83	4	.	.	PUNCT
framr-3062	83	5	min	min	PROPN
framr-3062	83	6	.	.	PROPN
framr-3062	83	7	max	max	PROPN
framr-3062	83	8	.	.	PUNCT
framr-3062	83	9	zscore	zscore	PROPN
framr-3062	83	10	25.197	25.197	NUM
framr-3062	84	1	16.722	16.722	NUM
framr-3062	84	2	0.495	0.495	NUM
framr-3062	84	3	57.440	57.440	NUM
framr-3062	84	4	racar	racar	NOUN
framr-3062	84	5	23.028	23.028	NUM
framr-3062	84	6	15.896	15.896	NUM
framr-3062	84	7	0	0	NUM
framr-3062	84	8	53.314	53.314	NUM
framr-3062	84	9	nnii	nnii	NOUN
framr-3062	84	10	0.207	0.207	NUM
framr-3062	84	11	0.163	0.163	NUM
framr-3062	84	12	-0.055	-0.055	NUM
framr-3062	84	13	0.576	0.576	NUM
framr-3062	84	14	trade	trade	NOUN
framr-3062	84	15	0.560	0.560	NUM
framr-3062	84	16	3.473	3.473	NUM
framr-3062	84	17	-8.893	-8.893	NUM
framr-3062	84	18	8.657	8.657	NUM
framr-3062	84	19	size	size	NOUN
framr-3062	84	20	32.596	32.596	NUM
framr-3062	84	21	1.083	1.083	NUM
framr-3062	84	22	30.162	30.162	NUM
framr-3062	84	23	34.937	34.937	NUM
framr-3062	84	24	loans	loan	NOUN
framr-3062	84	25	0.556	0.556	NUM
framr-3062	84	26	0.120	0.120	NUM
framr-3062	84	27	0.145	0.145	NUM
framr-3062	84	28	0.743	0.743	NUM
framr-3062	84	29	car	car	NOUN
framr-3062	84	30	0.108	0.108	NUM
framr-3062	84	31	0.064	0.064	NUM
framr-3062	84	32	0	0	NUM
framr-3062	84	33	0.401	0.401	NUM
framr-3062	84	34	observations=180	observations=180	PROPN
framr-3062	84	35	4	4	NUM
framr-3062	84	36	.	.	PUNCT
framr-3062	84	37	methodology	methodology	NOUN
framr-3062	85	1	the	the	DET
framr-3062	85	2	study	study	NOUN
framr-3062	85	3	uses	use	VERB
framr-3062	85	4	panel	panel	NOUN
framr-3062	85	5	data	datum	NOUN
framr-3062	85	6	analysis	analysis	NOUN
framr-3062	85	7	with	with	ADP
framr-3062	85	8	basic	basic	ADJ
framr-3062	85	9	models	model	NOUN
framr-3062	85	10	such	such	ADJ
framr-3062	85	11	as	as	ADP
framr-3062	85	12	the	the	DET
framr-3062	85	13	fixed	fixed	ADJ
framr-3062	85	14	effect	effect	NOUN
framr-3062	85	15	model	model	NOUN
framr-3062	85	16	(	(	PUNCT
framr-3062	85	17	fem	fem	NOUN
framr-3062	85	18	)	)	PUNCT
framr-3062	85	19	and	and	CCONJ
framr-3062	85	20	random	random	ADJ
framr-3062	85	21	effect	effect	NOUN
framr-3062	85	22	model	model	NOUN
framr-3062	85	23	(	(	PUNCT
framr-3062	85	24	rem	rem	NOUN
framr-3062	85	25	)	)	PUNCT
framr-3062	85	26	.	.	PUNCT
framr-3062	86	1	hausman	hausman	PROPN
framr-3062	86	2	test	test	NOUN
framr-3062	86	3	will	will	AUX
framr-3062	86	4	be	be	AUX
framr-3062	86	5	used	use	VERB
framr-3062	86	6	to	to	PART
framr-3062	86	7	choose	choose	VERB
framr-3062	86	8	the	the	DET
framr-3062	86	9	fem	fem	NOUN
framr-3062	86	10	or	or	CCONJ
framr-3062	86	11	rem	rem	PUNCT
framr-3062	86	12	model	model	NOUN
framr-3062	86	13	that	that	PRON
framr-3062	86	14	is	be	AUX
framr-3062	86	15	more	more	ADV
framr-3062	86	16	suitable	suitable	ADJ
framr-3062	86	17	for	for	ADP
framr-3062	86	18	the	the	DET
framr-3062	86	19	data	datum	NOUN
framr-3062	86	20	.	.	PUNCT
framr-3062	87	1	additionally	additionally	ADV
framr-3062	87	2	,	,	PUNCT
framr-3062	87	3	autocorrelation	autocorrelation	NOUN
framr-3062	87	4	and	and	CCONJ
framr-3062	87	5	heteroskedasticity	heteroskedasticity	NOUN
framr-3062	87	6	tests	test	NOUN
framr-3062	87	7	will	will	AUX
framr-3062	87	8	be	be	AUX
framr-3062	87	9	performed	perform	VERB
framr-3062	87	10	to	to	PART
framr-3062	87	11	check	check	VERB
framr-3062	87	12	the	the	DET
framr-3062	87	13	model	model	NOUN
framr-3062	87	14	’s	’s	PART
framr-3062	87	15	reliability	reliability	NOUN
framr-3062	87	16	.	.	PUNCT
framr-3062	88	1	finally	finally	ADV
framr-3062	88	2	,	,	PUNCT
framr-3062	88	3	if	if	SCONJ
framr-3062	88	4	these	these	DET
framr-3062	88	5	defects	defect	NOUN
framr-3062	88	6	exist	exist	VERB
framr-3062	88	7	in	in	ADP
framr-3062	88	8	the	the	DET
framr-3062	88	9	model	model	NOUN
framr-3062	88	10	,	,	PUNCT
framr-3062	88	11	the	the	DET
framr-3062	88	12	authors	author	NOUN
framr-3062	88	13	will	will	AUX
framr-3062	88	14	proceed	proceed	VERB
framr-3062	88	15	to	to	PART
framr-3062	88	16	calibrate	calibrate	VERB
framr-3062	88	17	the	the	DET
framr-3062	88	18	model	model	NOUN
framr-3062	88	19	through	through	ADP
framr-3062	88	20	the	the	DET
framr-3062	88	21	generalized	generalized	ADJ
framr-3062	88	22	least	least	ADJ
framr-3062	88	23	squares	square	NOUN
framr-3062	88	24	(	(	PUNCT
framr-3062	88	25	gls	gls	NOUN
framr-3062	88	26	)	)	PUNCT
framr-3062	88	27	model	model	NOUN
framr-3062	88	28	.	.	PUNCT
framr-3062	89	1	financial	financial	ADJ
framr-3062	89	2	risk	risk	NOUN
framr-3062	89	3	and	and	CCONJ
framr-3062	89	4	management	management	NOUN
framr-3062	89	5	reviews	review	NOUN
framr-3062	89	6	,	,	PUNCT
framr-3062	89	7	2022	2022	NUM
framr-3062	89	8	,	,	PUNCT
framr-3062	89	9	8(1	8(1	NOUN
framr-3062	89	10	):	):	PUNCT
framr-3062	89	11	20	20	NUM
framr-3062	89	12	-	-	SYM
framr-3062	89	13	26	26	NUM
framr-3062	89	14	23	23	NUM
framr-3062	89	15	©	©	PROPN
framr-3062	89	16	2022	2022	NUM
framr-3062	89	17	conscientia	conscientia	PROPN
framr-3062	89	18	beam	beam	PROPN
framr-3062	89	19	.	.	PUNCT
framr-3062	90	1	all	all	DET
framr-3062	90	2	rights	right	NOUN
framr-3062	90	3	reserved	reserve	VERB
framr-3062	90	4	.	.	PUNCT
framr-3062	91	1	the	the	DET
framr-3062	91	2	paper	paper	NOUN
framr-3062	91	3	runs	run	VERB
framr-3062	91	4	fem	fem	NOUN
framr-3062	91	5	and	and	CCONJ
framr-3062	91	6	rem	rem	VERB
framr-3062	91	7	before	before	ADP
framr-3062	91	8	the	the	DET
framr-3062	91	9	hausman	hausman	PROPN
framr-3062	91	10	test	test	NOUN
framr-3062	91	11	,	,	PUNCT
framr-3062	91	12	which	which	PRON
framr-3062	91	13	compares	compare	VERB
framr-3062	91	14	the	the	DET
framr-3062	91	15	two	two	NUM
framr-3062	91	16	models	model	NOUN
framr-3062	91	17	and	and	CCONJ
framr-3062	91	18	shows	show	VERB
framr-3062	91	19	that	that	SCONJ
framr-3062	91	20	the	the	DET
framr-3062	91	21	fem	fem	NOUN
framr-3062	91	22	is	be	AUX
framr-3062	91	23	more	more	ADV
framr-3062	91	24	suitable	suitable	ADJ
framr-3062	91	25	than	than	ADP
framr-3062	91	26	the	the	DET
framr-3062	91	27	rem	rem	NOUN
framr-3062	91	28	in	in	ADP
framr-3062	91	29	all	all	DET
framr-3062	91	30	models	model	NOUN
framr-3062	91	31	with	with	ADP
framr-3062	91	32	the	the	DET
framr-3062	91	33	dependent	dependent	ADJ
framr-3062	91	34	variables	variable	NOUN
framr-3062	91	35	zscore	zscore	NOUN
framr-3062	91	36	and	and	CCONJ
framr-3062	91	37	racar	racar	NOUN
framr-3062	91	38	.	.	PUNCT
framr-3062	92	1	however	however	ADV
framr-3062	92	2	,	,	PUNCT
framr-3062	92	3	the	the	DET
framr-3062	92	4	autocorrelation	autocorrelation	NOUN
framr-3062	92	5	and	and	CCONJ
framr-3062	92	6	heteroskedasticity	heteroskedasticity	NOUN
framr-3062	92	7	of	of	ADP
framr-3062	92	8	change	change	NOUN
framr-3062	92	9	test	test	NOUN
framr-3062	92	10	show	show	VERB
framr-3062	92	11	that	that	SCONJ
framr-3062	92	12	the	the	DET
framr-3062	92	13	model	model	NOUN
framr-3062	92	14	exists	exist	VERB
framr-3062	92	15	in	in	ADP
framr-3062	92	16	these	these	DET
framr-3062	92	17	phenomena	phenomenon	NOUN
framr-3062	92	18	.	.	PUNCT
framr-3062	93	1	therefore	therefore	ADV
framr-3062	93	2	,	,	PUNCT
framr-3062	93	3	the	the	DET
framr-3062	93	4	gls	gls	PROPN
framr-3062	93	5	correction	correction	NOUN
framr-3062	93	6	model	model	NOUN
framr-3062	93	7	will	will	AUX
framr-3062	93	8	be	be	AUX
framr-3062	93	9	used	use	VERB
framr-3062	93	10	for	for	ADP
framr-3062	93	11	the	the	DET
framr-3062	93	12	analysis	analysis	NOUN
framr-3062	93	13	.	.	PUNCT
framr-3062	94	1	the	the	DET
framr-3062	94	2	empirical	empirical	ADJ
framr-3062	94	3	results	result	NOUN
framr-3062	94	4	are	be	AUX
framr-3062	94	5	shown	show	VERB
framr-3062	94	6	in	in	ADP
framr-3062	94	7	tables	table	NOUN
framr-3062	94	8	3	3	NUM
framr-3062	94	9	and	and	CCONJ
framr-3062	94	10	4	4	NUM
framr-3062	94	11	.	.	NOUN
framr-3062	94	12	table	table	NOUN
framr-3062	94	13	3	3	NUM
framr-3062	94	14	describes	describe	VERB
framr-3062	94	15	the	the	DET
framr-3062	94	16	results	result	NOUN
framr-3062	94	17	of	of	ADP
framr-3062	94	18	the	the	DET
framr-3062	94	19	impact	impact	NOUN
framr-3062	94	20	of	of	ADP
framr-3062	94	21	business	business	NOUN
framr-3062	94	22	model	model	NOUN
framr-3062	94	23	diversification	diversification	NOUN
framr-3062	94	24	represented	represent	VERB
framr-3062	94	25	by	by	ADP
framr-3062	94	26	nnii	nnii	NOUN
framr-3062	94	27	and	and	CCONJ
framr-3062	94	28	trade	trade	NOUN
framr-3062	94	29	on	on	ADP
framr-3062	94	30	the	the	DET
framr-3062	94	31	sustainability	sustainability	NOUN
framr-3062	94	32	of	of	ADP
framr-3062	94	33	zscore	zscore	NOUN
framr-3062	94	34	banks	bank	NOUN
framr-3062	94	35	.	.	PUNCT
framr-3062	95	1	the	the	DET
framr-3062	95	2	analysis	analysis	NOUN
framr-3062	95	3	results	result	VERB
framr-3062	95	4	through	through	ADP
framr-3062	95	5	the	the	DET
framr-3062	95	6	gls	gls	PROPN
framr-3062	95	7	model	model	NOUN
framr-3062	95	8	show	show	VERB
framr-3062	95	9	that	that	SCONJ
framr-3062	95	10	nnii	nnii	NOUN
framr-3062	95	11	has	have	VERB
framr-3062	95	12	a	a	DET
framr-3062	95	13	negative	negative	ADJ
framr-3062	95	14	effect	effect	NOUN
framr-3062	95	15	on	on	ADP
framr-3062	95	16	zscore	zscore	NOUN
framr-3062	95	17	(	(	PUNCT
framr-3062	95	18	negative	negative	ADJ
framr-3062	95	19	beta	beta	ADJ
framr-3062	95	20	coefficient	coefficient	NOUN
framr-3062	95	21	and	and	CCONJ
framr-3062	95	22	satisfies	satisfy	VERB
framr-3062	95	23	statistical	statistical	ADJ
framr-3062	95	24	significance	significance	NOUN
framr-3062	95	25	)	)	PUNCT
framr-3062	95	26	.	.	PUNCT
framr-3062	96	1	trade	trade	NOUN
framr-3062	96	2	does	do	AUX
framr-3062	96	3	not	not	PART
framr-3062	96	4	affect	affect	VERB
framr-3062	96	5	zscore	zscore	NOUN
framr-3062	96	6	(	(	PUNCT
framr-3062	96	7	pvalue	pvalue	NOUN
framr-3062	96	8	greater	great	ADJ
framr-3062	96	9	than	than	ADP
framr-3062	96	10	0.1	0.1	NUM
framr-3062	96	11	)	)	PUNCT
framr-3062	96	12	.	.	PUNCT
framr-3062	97	1	simultaneously	simultaneously	ADV
framr-3062	97	2	,	,	PUNCT
framr-3062	97	3	the	the	DET
framr-3062	97	4	study	study	NOUN
framr-3062	97	5	also	also	ADV
framr-3062	97	6	shows	show	VERB
framr-3062	97	7	that	that	SCONJ
framr-3062	97	8	car	car	NOUN
framr-3062	97	9	and	and	CCONJ
framr-3062	97	10	size	size	NOUN
framr-3062	97	11	positively	positively	ADV
framr-3062	97	12	affect	affect	VERB
framr-3062	97	13	zscore	zscore	NOUN
framr-3062	97	14	(	(	PUNCT
framr-3062	97	15	positive	positive	ADJ
framr-3062	97	16	and	and	CCONJ
framr-3062	97	17	statistically	statistically	ADV
framr-3062	97	18	significant	significant	ADJ
framr-3062	97	19	beta	beta	ADJ
framr-3062	97	20	coefficient	coefficient	NOUN
framr-3062	97	21	)	)	PUNCT
framr-3062	97	22	.	.	PUNCT
framr-3062	98	1	loans	loan	NOUN
framr-3062	98	2	does	do	AUX
framr-3062	98	3	not	not	PART
framr-3062	98	4	affect	affect	VERB
framr-3062	98	5	zscore	zscore	NOUN
framr-3062	98	6	(	(	PUNCT
framr-3062	98	7	p	p	NOUN
framr-3062	98	8	-	-	PUNCT
framr-3062	98	9	value	value	NOUN
framr-3062	98	10	greater	great	ADJ
framr-3062	98	11	than	than	ADP
framr-3062	98	12	0.1	0.1	NUM
framr-3062	98	13	)	)	PUNCT
framr-3062	98	14	.	.	PUNCT
framr-3062	99	1	table	table	NOUN
framr-3062	99	2	3	3	NUM
framr-3062	99	3	.	.	PUNCT
framr-3062	99	4	regression	regression	NOUN
framr-3062	99	5	with	with	ADP
framr-3062	99	6	zscore	zscore	NOUN
framr-3062	99	7	.	.	PUNCT
framr-3062	100	1	zscore	zscore	NOUN
framr-3062	100	2	(	(	PUNCT
framr-3062	100	3	1	1	X
framr-3062	100	4	)	)	PUNCT
framr-3062	100	5	fem	fem	NOUN
framr-3062	100	6	(	(	PUNCT
framr-3062	100	7	2	2	X
framr-3062	100	8	)	)	PUNCT
framr-3062	100	9	fem	fem	NOUN
framr-3062	100	10	(	(	PUNCT
framr-3062	100	11	3	3	X
framr-3062	100	12	)	)	PUNCT
framr-3062	100	13	rem	rem	X
framr-3062	100	14	(	(	PUNCT
framr-3062	100	15	4	4	NUM
framr-3062	100	16	)	)	PUNCT
framr-3062	100	17	rem	rem	X
framr-3062	100	18	(	(	PUNCT
framr-3062	100	19	7	7	NUM
framr-3062	100	20	)	)	PUNCT
framr-3062	100	21	rem	rem	X
framr-3062	100	22	(	(	PUNCT
framr-3062	100	23	8)	8)	NUM
framr-3062	100	24	gls	gls	NOUN
framr-3062	100	25	nnii	nnii	NOUN
framr-3062	100	26	-13.25	-13.25	PROPN
framr-3062	100	27	*	*	PUNCT
framr-3062	100	28	*	*	PUNCT
framr-3062	100	29	*	*	PUNCT
framr-3062	100	30	(	(	PUNCT
framr-3062	100	31	4.204	4.204	NUM
framr-3062	100	32	)	)	PUNCT
framr-3062	100	33	-14.13	-14.13	PUNCT
framr-3062	100	34	*	*	PUNCT
framr-3062	100	35	*	*	PUNCT
framr-3062	100	36	*	*	PUNCT
framr-3062	100	37	(	(	PUNCT
framr-3062	100	38	4.274	4.274	NUM
framr-3062	100	39	)	)	PUNCT
framr-3062	100	40	-22.47	-22.47	NOUN
framr-3062	100	41	*	*	PUNCT
framr-3062	100	42	*	*	PUNCT
framr-3062	100	43	*	*	PUNCT
framr-3062	100	44	(	(	PUNCT
framr-3062	100	45	6.227	6.227	NUM
framr-3062	100	46	)	)	PUNCT
framr-3062	100	47	trade	trade	VERB
framr-3062	100	48	0.0505	0.0505	NUM
framr-3062	100	49	(	(	PUNCT
framr-3062	100	50	0.198	0.198	NUM
framr-3062	100	51	)	)	PUNCT
framr-3062	100	52	0.00204	0.00204	NUM
framr-3062	100	53	(	(	PUNCT
framr-3062	100	54	0.199	0.199	NUM
framr-3062	100	55	)	)	PUNCT
framr-3062	100	56	-0.260	-0.260	PUNCT
framr-3062	100	57	(	(	PUNCT
framr-3062	100	58	0.317	0.317	NUM
framr-3062	100	59	)	)	PUNCT
framr-3062	100	60	size	size	NOUN
framr-3062	100	61	0.261	0.261	NUM
framr-3062	100	62	(	(	PUNCT
framr-3062	100	63	1.418	1.418	NUM
framr-3062	100	64	)	)	PUNCT
framr-3062	100	65	0.464	0.464	NUM
framr-3062	100	66	(	(	PUNCT
framr-3062	100	67	1.819	1.819	NUM
framr-3062	100	68	)	)	PUNCT
framr-3062	100	69	1.604	1.604	NUM
framr-3062	100	70	(	(	PUNCT
framr-3062	100	71	1.297	1.297	NUM
framr-3062	100	72	)	)	PUNCT
framr-3062	100	73	1.957	1.957	NUM
framr-3062	100	74	(	(	PUNCT
framr-3062	100	75	1.579	1.579	NUM
framr-3062	100	76	)	)	PUNCT
framr-3062	100	77	6.284	6.284	NUM
framr-3062	100	78	*	*	PUNCT
framr-3062	100	79	*	*	PUNCT
framr-3062	101	1	*	*	PUNCT
framr-3062	101	2	(	(	PUNCT
framr-3062	101	3	1.068	1.068	NUM
framr-3062	101	4	)	)	PUNCT
framr-3062	101	5	5.495	5.495	NUM
framr-3062	101	6	*	*	PUNCT
framr-3062	101	7	*	*	PUNCT
framr-3062	101	8	*	*	PUNCT
framr-3062	101	9	(	(	PUNCT
framr-3062	101	10	1.143	1.143	NUM
framr-3062	101	11	)	)	PUNCT
framr-3062	101	12	loans	loan	NOUN
framr-3062	101	13	7.382	7.382	NUM
framr-3062	101	14	(	(	PUNCT
framr-3062	101	15	7.076	7.076	NUM
framr-3062	101	16	)	)	PUNCT
framr-3062	101	17	2.567	2.567	NUM
framr-3062	101	18	(	(	PUNCT
framr-3062	101	19	8.657	8.657	NUM
framr-3062	101	20	)	)	PUNCT
framr-3062	101	21	6.209	6.209	NUM
framr-3062	101	22	(	(	PUNCT
framr-3062	101	23	7.015	7.015	NUM
framr-3062	101	24	)	)	PUNCT
framr-3062	101	25	1.558	1.558	NUM
framr-3062	101	26	(	(	PUNCT
framr-3062	101	27	8.401	8.401	NUM
framr-3062	101	28	)	)	PUNCT
framr-3062	101	29	17.58	17.58	NUM
framr-3062	101	30	*	*	SYM
framr-3062	101	31	(	(	PUNCT
framr-3062	101	32	9.394	9.394	NUM
framr-3062	101	33	)	)	PUNCT
framr-3062	101	34	17.02	17.02	NUM
framr-3062	101	35	(	(	PUNCT
framr-3062	101	36	10.90	10.90	NUM
framr-3062	101	37	)	)	PUNCT
framr-3062	101	38	car	car	NOUN
framr-3062	101	39	179.4	179.4	NUM
framr-3062	101	40	*	*	PUNCT
framr-3062	101	41	*	*	PUNCT
framr-3062	101	42	*	*	PUNCT
framr-3062	101	43	(	(	PUNCT
framr-3062	101	44	10.47	10.47	NUM
framr-3062	101	45	)	)	PUNCT
framr-3062	101	46	183.3	183.3	NUM
framr-3062	101	47	*	*	PUNCT
framr-3062	101	48	*	*	PUNCT
framr-3062	101	49	*	*	PUNCT
framr-3062	101	50	(	(	PUNCT
framr-3062	101	51	12.83	12.83	NUM
framr-3062	101	52	)	)	PUNCT
framr-3062	101	53	181.0	181.0	NUM
framr-3062	101	54	*	*	PUNCT
framr-3062	101	55	*	*	PUNCT
framr-3062	101	56	*	*	PUNCT
framr-3062	101	57	(	(	PUNCT
framr-3062	101	58	10.50	10.50	NUM
framr-3062	101	59	)	)	PUNCT
framr-3062	101	60	185.5	185.5	NUM
framr-3062	101	61	*	*	PUNCT
framr-3062	101	62	*	*	PUNCT
framr-3062	101	63	*	*	PUNCT
framr-3062	101	64	(	(	PUNCT
framr-3062	101	65	12.48	12.48	NUM
framr-3062	101	66	)	)	PUNCT
framr-3062	101	67	157.5	157.5	NUM
framr-3062	101	68	*	*	PUNCT
framr-3062	101	69	*	*	PUNCT
framr-3062	101	70	*	*	PUNCT
framr-3062	101	71	(	(	PUNCT
framr-3062	101	72	15.33	15.33	NUM
framr-3062	101	73	)	)	PUNCT
framr-3062	101	74	162.5	162.5	NUM
framr-3062	101	75	*	*	PUNCT
framr-3062	101	76	*	*	PUNCT
framr-3062	101	77	*	*	PUNCT
framr-3062	101	78	(	(	PUNCT
framr-3062	101	79	16.98	16.98	NUM
framr-3062	101	80	)	)	PUNCT
framr-3062	101	81	constant	constant	ADJ
framr-3062	101	82	-4.020	-4.020	NOUN
framr-3062	101	83	(	(	PUNCT
framr-3062	101	84	44.54	44.54	NUM
framr-3062	101	85	)	)	PUNCT
framr-3062	101	86	-11.32	-11.32	X
framr-3062	101	87	(	(	PUNCT
framr-3062	101	88	57.59	57.59	NUM
framr-3062	101	89	)	)	PUNCT
framr-3062	101	90	-47.17	-47.17	PROPN
framr-3062	101	91	(	(	PUNCT
framr-3062	101	92	40.70	40.70	NUM
framr-3062	101	93	)	)	PUNCT
framr-3062	101	94	-59.72	-59.72	PROPN
framr-3062	101	95	(	(	PUNCT
framr-3062	101	96	49.93	49.93	NUM
framr-3062	101	97	)	)	PUNCT
framr-3062	101	98	-202.0	-202.0	PROPN
framr-3062	101	99	*	*	PUNCT
framr-3062	102	1	*	*	PUNCT
framr-3062	102	2	*	*	PUNCT
framr-3062	102	3	(	(	PUNCT
framr-3062	102	4	32.87	32.87	NUM
framr-3062	102	5	)	)	PUNCT
framr-3062	102	6	-181.8	-181.8	PROPN
framr-3062	102	7	*	*	PUNCT
framr-3062	102	8	*	*	PUNCT
framr-3062	102	9	*	*	PUNCT
framr-3062	102	10	(	(	PUNCT
framr-3062	102	11	35.64	35.64	NUM
framr-3062	102	12	)	)	PUNCT
framr-3062	102	13	observations	observation	NOUN
framr-3062	102	14	167	167	NUM
framr-3062	102	15	148	148	NUM
framr-3062	102	16	167	167	NUM
framr-3062	102	17	148	148	NUM
framr-3062	102	18	167	167	NUM
framr-3062	102	19	148	148	NUM
framr-3062	102	20	number	number	NOUN
framr-3062	102	21	of	of	ADP
framr-3062	102	22	banks	bank	NOUN
framr-3062	102	23	18	18	NUM
framr-3062	102	24	18	18	NUM
framr-3062	102	25	18	18	NUM
framr-3062	102	26	18	18	NUM
framr-3062	102	27	18	18	NUM
framr-3062	102	28	18	18	NUM
framr-3062	102	29	hausman	hausman	ADJ
framr-3062	102	30	test	test	NOUN
framr-3062	102	31	0.000	0.000	NUM
framr-3062	102	32	autocorrelation	autocorrelation	NOUN
framr-3062	102	33	test	test	NOUN
framr-3062	102	34	0.000	0.000	NUM
framr-3062	102	35	heteroskedasticity	heteroskedasticity	NOUN
framr-3062	102	36	0.000	0.000	NUM
framr-3062	102	37	note	note	NOUN
framr-3062	102	38	:	:	PUNCT
framr-3062	102	39	standard	standard	ADJ
framr-3062	102	40	errors	error	NOUN
framr-3062	102	41	in	in	ADP
framr-3062	102	42	parentheses	parenthesis	NOUN
framr-3062	102	43	.	.	PUNCT
framr-3062	103	1	*	*	PUNCT
framr-3062	103	2	*	*	PUNCT
framr-3062	103	3	*	*	PUNCT
framr-3062	103	4	p<0.01	p<0.01	PROPN
framr-3062	103	5	,	,	PUNCT
framr-3062	103	6	*	*	PUNCT
framr-3062	103	7	p<0.1	p<0.1	X
framr-3062	103	8	.	.	NOUN
framr-3062	103	9	table	table	NOUN
framr-3062	103	10	4	4	NUM
framr-3062	103	11	describes	describe	VERB
framr-3062	103	12	the	the	DET
framr-3062	103	13	results	result	NOUN
framr-3062	103	14	of	of	ADP
framr-3062	103	15	the	the	DET
framr-3062	103	16	analysis	analysis	NOUN
framr-3062	103	17	of	of	ADP
framr-3062	103	18	the	the	DET
framr-3062	103	19	impact	impact	NOUN
framr-3062	103	20	of	of	ADP
framr-3062	103	21	business	business	NOUN
framr-3062	103	22	model	model	NOUN
framr-3062	103	23	diversification	diversification	NOUN
framr-3062	103	24	represented	represent	VERB
framr-3062	103	25	by	by	ADP
framr-3062	103	26	nnii	nnii	NOUN
framr-3062	103	27	and	and	CCONJ
framr-3062	103	28	trade	trade	NOUN
framr-3062	103	29	on	on	ADP
framr-3062	103	30	the	the	DET
framr-3062	103	31	sustainability	sustainability	NOUN
framr-3062	103	32	of	of	ADP
framr-3062	103	33	racar	racar	ADJ
framr-3062	103	34	banks	bank	NOUN
framr-3062	103	35	.	.	PUNCT
framr-3062	104	1	the	the	DET
framr-3062	104	2	analysis	analysis	NOUN
framr-3062	104	3	results	result	VERB
framr-3062	104	4	through	through	ADP
framr-3062	104	5	the	the	DET
framr-3062	104	6	gls	gls	PROPN
framr-3062	104	7	model	model	NOUN
framr-3062	104	8	show	show	VERB
framr-3062	104	9	that	that	SCONJ
framr-3062	104	10	nnii	nnii	NOUN
framr-3062	104	11	has	have	VERB
framr-3062	104	12	the	the	DET
framr-3062	104	13	opposite	opposite	ADJ
framr-3062	104	14	effect	effect	NOUN
framr-3062	104	15	on	on	ADP
framr-3062	104	16	racar	racar	NOUN
framr-3062	104	17	(	(	PUNCT
framr-3062	104	18	negative	negative	ADJ
framr-3062	104	19	beta	beta	ADJ
framr-3062	104	20	coefficient	coefficient	NOUN
framr-3062	104	21	and	and	CCONJ
framr-3062	104	22	statistical	statistical	ADJ
framr-3062	104	23	significance	significance	NOUN
framr-3062	104	24	)	)	PUNCT
framr-3062	104	25	.	.	PUNCT
framr-3062	105	1	table	table	NOUN
framr-3062	105	2	4	4	NUM
framr-3062	105	3	.	.	PUNCT
framr-3062	106	1	regression	regression	NOUN
framr-3062	106	2	with	with	ADP
framr-3062	106	3	racar	racar	NOUN
framr-3062	106	4	.	.	PUNCT
framr-3062	107	1	racar	racar	NOUN
framr-3062	107	2	(	(	PUNCT
framr-3062	107	3	1	1	X
framr-3062	107	4	)	)	PUNCT
framr-3062	107	5	fem	fem	NOUN
framr-3062	107	6	(	(	PUNCT
framr-3062	107	7	2	2	X
framr-3062	107	8	)	)	PUNCT
framr-3062	107	9	fem	fem	NOUN
framr-3062	107	10	(	(	PUNCT
framr-3062	107	11	3	3	X
framr-3062	107	12	)	)	PUNCT
framr-3062	107	13	rem	rem	X
framr-3062	107	14	(	(	PUNCT
framr-3062	107	15	4	4	NUM
framr-3062	107	16	)	)	PUNCT
framr-3062	107	17	rem	rem	X
framr-3062	107	18	(	(	PUNCT
framr-3062	107	19	5	5	NUM
framr-3062	107	20	)	)	PUNCT
framr-3062	107	21	gls	gls	NOUN
framr-3062	107	22	(	(	PUNCT
framr-3062	107	23	6	6	NUM
framr-3062	107	24	)	)	PUNCT
framr-3062	107	25	gls	gls	NOUN
framr-3062	107	26	nnii	nnii	NOUN
framr-3062	107	27	-12.71	-12.71	PROPN
framr-3062	107	28	*	*	PUNCT
framr-3062	107	29	*	*	PUNCT
framr-3062	107	30	*	*	PUNCT
framr-3062	107	31	(	(	PUNCT
framr-3062	107	32	4.126	4.126	NUM
framr-3062	107	33	)	)	PUNCT
framr-3062	107	34	-13.63	-13.63	X
framr-3062	107	35	*	*	PUNCT
framr-3062	107	36	*	*	PUNCT
framr-3062	107	37	*	*	PUNCT
framr-3062	107	38	(	(	PUNCT
framr-3062	107	39	4.182	4.182	NUM
framr-3062	107	40	)	)	PUNCT
framr-3062	107	41	-21.29	-21.29	PROPN
framr-3062	107	42	*	*	PUNCT
framr-3062	107	43	*	*	PUNCT
framr-3062	107	44	*	*	PUNCT
framr-3062	107	45	(	(	PUNCT
framr-3062	107	46	5.851	5.851	NUM
framr-3062	107	47	)	)	PUNCT
framr-3062	107	48	trade	trade	NOUN
framr-3062	107	49	0.0527	0.0527	NUM
framr-3062	107	50	(	(	PUNCT
framr-3062	107	51	0.194	0.194	NUM
framr-3062	107	52	)	)	PUNCT
framr-3062	107	53	0.00573	0.00573	NUM
framr-3062	107	54	(	(	PUNCT
framr-3062	107	55	0.194	0.194	NUM
framr-3062	107	56	)	)	PUNCT
framr-3062	107	57	-0.216	-0.216	NOUN
framr-3062	107	58	(	(	PUNCT
framr-3062	107	59	0.299	0.299	NUM
framr-3062	107	60	)	)	PUNCT
framr-3062	107	61	size	size	NOUN
framr-3062	107	62	0.398	0.398	NUM
framr-3062	107	63	(	(	PUNCT
framr-3062	107	64	1.391	1.391	NUM
framr-3062	107	65	)	)	PUNCT
framr-3062	107	66	0.440	0.440	NUM
framr-3062	107	67	(	(	PUNCT
framr-3062	107	68	1.782	1.782	NUM
framr-3062	107	69	)	)	PUNCT
framr-3062	107	70	1.681	1.681	NUM
framr-3062	107	71	(	(	PUNCT
framr-3062	107	72	1.254	1.254	NUM
framr-3062	107	73	)	)	PUNCT
framr-3062	107	74	1.879	1.879	NUM
framr-3062	107	75	(	(	PUNCT
framr-3062	107	76	1.522	1.522	NUM
framr-3062	107	77	)	)	PUNCT
framr-3062	107	78	5.629	5.629	NUM
framr-3062	107	79	*	*	PUNCT
framr-3062	107	80	*	*	PUNCT
framr-3062	107	81	*	*	PUNCT
framr-3062	107	82	(	(	PUNCT
framr-3062	107	83	1.004	1.004	NUM
framr-3062	107	84	)	)	PUNCT
framr-3062	107	85	4.879	4.879	NUM
framr-3062	107	86	*	*	PUNCT
framr-3062	107	87	*	*	PUNCT
framr-3062	107	88	*	*	PUNCT
framr-3062	107	89	(	(	PUNCT
framr-3062	107	90	1.078	1.078	NUM
framr-3062	107	91	)	)	PUNCT
framr-3062	107	92	loans	loan	NOUN
framr-3062	107	93	6.443	6.443	NUM
framr-3062	107	94	(	(	PUNCT
framr-3062	107	95	6.944	6.944	NUM
framr-3062	107	96	)	)	PUNCT
framr-3062	107	97	1.587	1.587	NUM
framr-3062	107	98	(	(	PUNCT
framr-3062	107	99	8.481	8.481	NUM
framr-3062	107	100	)	)	PUNCT
framr-3062	107	101	5.562	5.562	NUM
framr-3062	107	102	(	(	PUNCT
framr-3062	107	103	6.847	6.847	NUM
framr-3062	107	104	)	)	PUNCT
framr-3062	107	105	0.846	0.846	NUM
framr-3062	107	106	(	(	PUNCT
framr-3062	107	107	8.191	8.191	NUM
framr-3062	107	108	)	)	PUNCT
framr-3062	108	1	17.39	17.39	NUM
framr-3062	108	2	*	*	PUNCT
framr-3062	108	3	*	*	PUNCT
framr-3062	108	4	(	(	PUNCT
framr-3062	108	5	8.827	8.827	NUM
framr-3062	108	6	)	)	PUNCT
framr-3062	108	7	16.30	16.30	NUM
framr-3062	108	8	(	(	PUNCT
framr-3062	108	9	10.28	10.28	NUM
framr-3062	108	10	)	)	PUNCT
framr-3062	108	11	car	car	NOUN
framr-3062	108	12	176.3	176.3	NUM
framr-3062	108	13	*	*	PUNCT
framr-3062	108	14	*	*	PUNCT
framr-3062	108	15	*	*	PUNCT
framr-3062	108	16	(	(	PUNCT
framr-3062	108	17	10.28	10.28	NUM
framr-3062	108	18	)	)	PUNCT
framr-3062	108	19	180.1	180.1	NUM
framr-3062	108	20	*	*	PUNCT
framr-3062	108	21	*	*	PUNCT
framr-3062	108	22	*	*	PUNCT
framr-3062	108	23	(	(	PUNCT
framr-3062	108	24	12.57	12.57	NUM
framr-3062	108	25	)	)	PUNCT
framr-3062	108	26	177.7	177.7	NUM
framr-3062	108	27	*	*	PUNCT
framr-3062	108	28	*	*	PUNCT
framr-3062	108	29	*	*	PUNCT
framr-3062	108	30	(	(	PUNCT
framr-3062	108	31	10.26	10.26	NUM
framr-3062	108	32	)	)	PUNCT
framr-3062	108	33	182.0	182.0	NUM
framr-3062	108	34	*	*	PUNCT
framr-3062	108	35	*	*	PUNCT
framr-3062	108	36	*	*	PUNCT
framr-3062	108	37	(	(	PUNCT
framr-3062	108	38	12.17	12.17	NUM
framr-3062	108	39	)	)	PUNCT
framr-3062	108	40	155.1	155.1	NUM
framr-3062	108	41	*	*	PUNCT
framr-3062	108	42	*	*	PUNCT
framr-3062	108	43	*	*	PUNCT
framr-3062	108	44	(	(	PUNCT
framr-3062	108	45	14.40	14.40	NUM
framr-3062	108	46	)	)	PUNCT
framr-3062	108	47	159.9	159.9	NUM
framr-3062	108	48	*	*	PUNCT
framr-3062	108	49	*	*	PUNCT
framr-3062	108	50	*	*	PUNCT
framr-3062	108	51	(	(	PUNCT
framr-3062	108	52	16.01	16.01	NUM
framr-3062	108	53	)	)	PUNCT
framr-3062	108	54	constant	constant	ADJ
framr-3062	108	55	-9.899	-9.899	NOUN
framr-3062	108	56	(	(	PUNCT
framr-3062	108	57	43.71	43.71	NUM
framr-3062	108	58	)	)	PUNCT
framr-3062	108	59	-11.76	-11.76	PROPN
framr-3062	108	60	(	(	PUNCT
framr-3062	108	61	56.43	56.43	NUM
framr-3062	108	62	)	)	PUNCT
framr-3062	108	63	-51.23	-51.23	PROPN
framr-3062	108	64	(	(	PUNCT
framr-3062	108	65	39.34	39.34	NUM
framr-3062	108	66	)	)	PUNCT
framr-3062	108	67	-58.51	-58.51	PROPN
framr-3062	108	68	(	(	PUNCT
framr-3062	108	69	48.12	48.12	NUM
framr-3062	108	70	)	)	PUNCT
framr-3062	108	71	-182.7	-182.7	PROPN
framr-3062	108	72	*	*	PUNCT
framr-3062	108	73	*	*	PUNCT
framr-3062	108	74	*	*	PUNCT
framr-3062	108	75	(	(	PUNCT
framr-3062	108	76	30.89	30.89	NUM
framr-3062	108	77	)	)	PUNCT
framr-3062	108	78	-163.1	-163.1	NOUN
framr-3062	108	79	*	*	PUNCT
framr-3062	108	80	*	*	PUNCT
framr-3062	108	81	*	*	PUNCT
framr-3062	108	82	(	(	PUNCT
framr-3062	108	83	33.62	33.62	NUM
framr-3062	108	84	)	)	PUNCT
framr-3062	108	85	observations	observation	NOUN
framr-3062	108	86	167	167	NUM
framr-3062	108	87	148	148	NUM
framr-3062	108	88	167	167	NUM
framr-3062	108	89	148	148	NUM
framr-3062	108	90	167	167	NUM
framr-3062	108	91	148	148	NUM
framr-3062	108	92	number	number	NOUN
framr-3062	108	93	of	of	ADP
framr-3062	108	94	banks	bank	NOUN
framr-3062	108	95	18	18	NUM
framr-3062	108	96	18	18	NUM
framr-3062	108	97	18	18	NUM
framr-3062	108	98	18	18	NUM
framr-3062	108	99	18	18	NUM
framr-3062	108	100	18	18	NUM
framr-3062	108	101	hausman	hausman	ADJ
framr-3062	108	102	test	test	NOUN
framr-3062	108	103	0.000	0.000	NUM
framr-3062	108	104	autocorrelation	autocorrelation	NOUN
framr-3062	108	105	test	test	NOUN
framr-3062	108	106	0.000	0.000	NUM
framr-3062	108	107	heteroskedasticity	heteroskedasticity	NOUN
framr-3062	108	108	0.000	0.000	NUM
framr-3062	108	109	note	note	NOUN
framr-3062	108	110	:	:	PUNCT
framr-3062	108	111	standard	standard	ADJ
framr-3062	108	112	errors	error	NOUN
framr-3062	108	113	in	in	ADP
framr-3062	108	114	parentheses	parenthesis	NOUN
framr-3062	108	115	.	.	PUNCT
framr-3062	109	1	*	*	PUNCT
framr-3062	109	2	*	*	PUNCT
framr-3062	109	3	*	*	PUNCT
framr-3062	109	4	p<0.01	p<0.01	PROPN
framr-3062	109	5	,	,	PUNCT
framr-3062	109	6	*	*	PUNCT
framr-3062	109	7	*	*	NOUN
framr-3062	109	8	p<0.05	p<0.05	NOUN
framr-3062	109	9	.	.	PUNCT
framr-3062	109	10	financial	financial	ADJ
framr-3062	109	11	risk	risk	NOUN
framr-3062	109	12	and	and	CCONJ
framr-3062	109	13	management	management	NOUN
framr-3062	109	14	reviews	review	NOUN
framr-3062	109	15	,	,	PUNCT
framr-3062	109	16	2022	2022	NUM
framr-3062	109	17	,	,	PUNCT
framr-3062	109	18	8(1	8(1	NOUN
framr-3062	109	19	):	):	PUNCT
framr-3062	109	20	20	20	NUM
framr-3062	109	21	-	-	SYM
framr-3062	109	22	26	26	NUM
framr-3062	109	23	24	24	NUM
framr-3062	109	24	©	©	PROPN
framr-3062	109	25	2022	2022	NUM
framr-3062	109	26	conscientia	conscientia	PROPN
framr-3062	109	27	beam	beam	PROPN
framr-3062	109	28	.	.	PUNCT
framr-3062	110	1	all	all	DET
framr-3062	110	2	rights	right	NOUN
framr-3062	110	3	reserved	reserve	VERB
framr-3062	110	4	.	.	PUNCT
framr-3062	111	1	trade	trade	NOUN
framr-3062	111	2	does	do	AUX
framr-3062	111	3	not	not	PART
framr-3062	111	4	affect	affect	VERB
framr-3062	111	5	racar	racar	NOUN
framr-3062	111	6	(	(	PUNCT
framr-3062	111	7	p	p	NOUN
framr-3062	111	8	-	-	PUNCT
framr-3062	111	9	value	value	NOUN
framr-3062	111	10	greater	great	ADJ
framr-3062	111	11	than	than	ADP
framr-3062	111	12	0.1	0.1	NUM
framr-3062	111	13	)	)	PUNCT
framr-3062	111	14	.	.	PUNCT
framr-3062	112	1	concurrently	concurrently	ADV
framr-3062	112	2	,	,	PUNCT
framr-3062	112	3	the	the	DET
framr-3062	112	4	study	study	NOUN
framr-3062	112	5	also	also	ADV
framr-3062	112	6	shows	show	VERB
framr-3062	112	7	that	that	SCONJ
framr-3062	112	8	car	car	NOUN
framr-3062	112	9	and	and	CCONJ
framr-3062	112	10	size	size	NOUN
framr-3062	112	11	have	have	VERB
framr-3062	112	12	a	a	DET
framr-3062	112	13	positive	positive	ADJ
framr-3062	112	14	effect	effect	NOUN
framr-3062	112	15	on	on	ADP
framr-3062	112	16	racar	racar	NOUN
framr-3062	112	17	(	(	PUNCT
framr-3062	112	18	positive	positive	ADJ
framr-3062	112	19	and	and	CCONJ
framr-3062	112	20	statistically	statistically	ADV
framr-3062	112	21	significant	significant	ADJ
framr-3062	112	22	beta	beta	ADJ
framr-3062	112	23	coefficient	coefficient	NOUN
framr-3062	112	24	)	)	PUNCT
framr-3062	112	25	.	.	PUNCT
framr-3062	113	1	loans	loan	NOUN
framr-3062	113	2	have	have	VERB
framr-3062	113	3	no	no	DET
framr-3062	113	4	impact	impact	NOUN
framr-3062	113	5	on	on	ADP
framr-3062	113	6	racar	racar	NOUN
framr-3062	113	7	(	(	PUNCT
framr-3062	113	8	p	p	NOUN
framr-3062	113	9	-	-	PUNCT
framr-3062	113	10	value	value	NOUN
framr-3062	113	11	greater	great	ADJ
framr-3062	113	12	than	than	ADP
framr-3062	113	13	0.1	0.1	NUM
framr-3062	113	14	)	)	PUNCT
framr-3062	113	15	.	.	PUNCT
framr-3062	114	1	zscore	zscore	NOUN
framr-3062	114	2	and	and	CCONJ
framr-3062	114	3	racar	racar	NOUN
framr-3062	114	4	show	show	VERB
framr-3062	114	5	that	that	SCONJ
framr-3062	114	6	diversifying	diversify	VERB
framr-3062	114	7	business	business	NOUN
framr-3062	114	8	models	model	NOUN
framr-3062	114	9	negatively	negatively	ADV
framr-3062	114	10	impact	impact	VERB
framr-3062	114	11	banks	bank	NOUN
framr-3062	114	12	.	.	PUNCT
framr-3062	115	1	it	it	PRON
framr-3062	115	2	can	can	AUX
framr-3062	115	3	be	be	AUX
framr-3062	115	4	seen	see	VERB
framr-3062	115	5	that	that	SCONJ
framr-3062	115	6	in	in	ADP
framr-3062	115	7	the	the	DET
framr-3062	115	8	developing	develop	VERB
framr-3062	115	9	financial	financial	ADJ
framr-3062	115	10	market	market	NOUN
framr-3062	115	11	like	like	ADP
framr-3062	115	12	vietnam	vietnam	PROPN
framr-3062	115	13	,	,	PUNCT
framr-3062	115	14	banks	bank	NOUN
framr-3062	115	15	are	be	AUX
framr-3062	115	16	still	still	ADV
framr-3062	115	17	gradually	gradually	ADV
framr-3062	115	18	expanding	expand	VERB
framr-3062	115	19	other	other	ADJ
framr-3062	115	20	business	business	NOUN
framr-3062	115	21	forms	form	NOUN
framr-3062	115	22	.	.	PUNCT
framr-3062	116	1	therefore	therefore	ADV
framr-3062	116	2	,	,	PUNCT
framr-3062	116	3	banks	bank	NOUN
framr-3062	116	4	still	still	ADV
framr-3062	116	5	face	face	VERB
framr-3062	116	6	difficulties	difficulty	NOUN
framr-3062	116	7	in	in	ADP
framr-3062	116	8	implementing	implement	VERB
framr-3062	116	9	expectations	expectation	NOUN
framr-3062	116	10	(	(	PUNCT
framr-3062	116	11	nguyen	nguyen	NOUN
framr-3062	116	12	et	et	PROPN
framr-3062	116	13	al	al	PROPN
framr-3062	116	14	.	.	PROPN
framr-3062	116	15	,	,	PUNCT
framr-3062	116	16	2021	2021	NUM
framr-3062	116	17	)	)	PUNCT
framr-3062	116	18	.	.	PUNCT
framr-3062	117	1	in	in	ADP
framr-3062	117	2	the	the	DET
framr-3062	117	3	case	case	NOUN
framr-3062	117	4	of	of	ADP
framr-3062	117	5	vietnam	vietnam	PROPN
framr-3062	117	6	,	,	PUNCT
framr-3062	117	7	the	the	DET
framr-3062	117	8	banking	banking	NOUN
framr-3062	117	9	system	system	NOUN
framr-3062	117	10	has	have	AUX
framr-3062	117	11	begun	begin	VERB
framr-3062	117	12	to	to	PART
framr-3062	117	13	build	build	VERB
framr-3062	117	14	new	new	ADJ
framr-3062	117	15	business	business	NOUN
framr-3062	117	16	models	model	NOUN
framr-3062	117	17	beyond	beyond	ADP
framr-3062	117	18	lending	lending	NOUN
framr-3062	117	19	to	to	PART
framr-3062	117	20	generate	generate	VERB
framr-3062	117	21	interest	interest	NOUN
framr-3062	117	22	income	income	NOUN
framr-3062	117	23	.	.	PUNCT
framr-3062	118	1	and	and	CCONJ
framr-3062	118	2	the	the	DET
framr-3062	118	3	use	use	NOUN
framr-3062	118	4	of	of	ADP
framr-3062	118	5	resources	resource	NOUN
framr-3062	118	6	available	available	ADJ
framr-3062	118	7	in	in	ADP
framr-3062	118	8	the	the	DET
framr-3062	118	9	bank	bank	NOUN
framr-3062	118	10	is	be	AUX
framr-3062	118	11	still	still	ADV
framr-3062	118	12	not	not	PART
framr-3062	118	13	effective	effective	ADJ
framr-3062	118	14	.	.	PUNCT
framr-3062	119	1	this	this	PRON
framr-3062	119	2	has	have	AUX
framr-3062	119	3	led	lead	VERB
framr-3062	119	4	to	to	PART
framr-3062	119	5	inconsistent	inconsistent	ADJ
framr-3062	119	6	or	or	CCONJ
framr-3062	119	7	bad	bad	ADJ
framr-3062	119	8	business	business	NOUN
framr-3062	119	9	results	result	NOUN
framr-3062	119	10	and	and	CCONJ
framr-3062	119	11	reduced	reduce	VERB
framr-3062	119	12	the	the	DET
framr-3062	119	13	sustainability	sustainability	NOUN
framr-3062	119	14	of	of	ADP
framr-3062	119	15	banks	bank	NOUN
framr-3062	119	16	.	.	PUNCT
framr-3062	120	1	in	in	ADP
framr-3062	120	2	vietnam	vietnam	PROPN
framr-3062	120	3	,	,	PUNCT
framr-3062	120	4	the	the	DET
framr-3062	120	5	business	business	NOUN
framr-3062	120	6	expansion	expansion	NOUN
framr-3062	120	7	based	base	VERB
framr-3062	120	8	on	on	ADP
framr-3062	120	9	fee	fee	NOUN
framr-3062	120	10	activities	activity	NOUN
framr-3062	120	11	(	(	PUNCT
framr-3062	120	12	fees	fee	NOUN
framr-3062	120	13	collected	collect	VERB
framr-3062	120	14	from	from	ADP
framr-3062	120	15	lending	lending	NOUN
framr-3062	120	16	,	,	PUNCT
framr-3062	120	17	transaction	transaction	NOUN
framr-3062	120	18	,	,	PUNCT
framr-3062	120	19	and	and	CCONJ
framr-3062	120	20	payment	payment	NOUN
framr-3062	120	21	activities	activity	NOUN
framr-3062	120	22	)	)	PUNCT
framr-3062	120	23	is	be	AUX
framr-3062	120	24	consuming	consume	VERB
framr-3062	120	25	a	a	DET
framr-3062	120	26	lot	lot	NOUN
framr-3062	120	27	of	of	ADP
framr-3062	120	28	resources	resource	NOUN
framr-3062	120	29	,	,	PUNCT
framr-3062	120	30	and	and	CCONJ
framr-3062	120	31	the	the	DET
framr-3062	120	32	income	income	NOUN
framr-3062	120	33	is	be	AUX
framr-3062	120	34	not	not	PART
framr-3062	120	35	proportional	proportional	ADJ
framr-3062	120	36	(	(	PUNCT
framr-3062	120	37	abuzayed	abuzaye	VERB
framr-3062	120	38	et	et	PROPN
framr-3062	120	39	al	al	PROPN
framr-3062	120	40	.	.	PROPN
framr-3062	120	41	,	,	PUNCT
framr-3062	120	42	2018	2018	NUM
framr-3062	120	43	)	)	PUNCT
framr-3062	120	44	.	.	PUNCT
framr-3062	121	1	in	in	ADP
framr-3062	121	2	addition	addition	NOUN
framr-3062	121	3	,	,	PUNCT
framr-3062	121	4	the	the	DET
framr-3062	121	5	fee	fee	NOUN
framr-3062	121	6	-	-	PUNCT
framr-3062	121	7	based	base	VERB
framr-3062	121	8	activities	activity	NOUN
framr-3062	121	9	worsen	worsen	VERB
framr-3062	121	10	the	the	DET
framr-3062	121	11	quality	quality	NOUN
framr-3062	121	12	of	of	ADP
framr-3062	121	13	loans	loan	NOUN
framr-3062	121	14	due	due	ADP
framr-3062	121	15	to	to	ADP
framr-3062	121	16	the	the	DET
framr-3062	121	17	psychological	psychological	ADJ
framr-3062	121	18	burden	burden	NOUN
framr-3062	121	19	of	of	ADP
framr-3062	121	20	associated	associated	ADJ
framr-3062	121	21	fees	fee	NOUN
framr-3062	121	22	leading	lead	VERB
framr-3062	121	23	to	to	ADP
framr-3062	121	24	restrictions	restriction	NOUN
framr-3062	121	25	or	or	CCONJ
framr-3062	121	26	changes	change	NOUN
framr-3062	121	27	in	in	ADP
framr-3062	121	28	customer	customer	NOUN
framr-3062	121	29	behavior	behavior	NOUN
framr-3062	121	30	.	.	PUNCT
framr-3062	122	1	subsequently	subsequently	ADV
framr-3062	122	2	,	,	PUNCT
framr-3062	122	3	trade	trade	NOUN
framr-3062	122	4	does	do	AUX
framr-3062	122	5	not	not	PART
framr-3062	122	6	affect	affect	VERB
framr-3062	122	7	the	the	DET
framr-3062	122	8	sustainability	sustainability	NOUN
framr-3062	122	9	of	of	ADP
framr-3062	122	10	the	the	DET
framr-3062	122	11	bank	bank	NOUN
framr-3062	122	12	.	.	PUNCT
framr-3062	123	1	this	this	DET
framr-3062	123	2	result	result	NOUN
framr-3062	123	3	shows	show	VERB
framr-3062	123	4	that	that	SCONJ
framr-3062	123	5	foreign	foreign	ADJ
framr-3062	123	6	exchange	exchange	NOUN
framr-3062	123	7	or	or	CCONJ
framr-3062	123	8	gold	gold	NOUN
framr-3062	123	9	trading	trading	NOUN
framr-3062	123	10	activities	activity	NOUN
framr-3062	123	11	reduce	reduce	VERB
framr-3062	123	12	the	the	DET
framr-3062	123	13	bank	bank	NOUN
framr-3062	123	14	’s	’s	PART
framr-3062	123	15	sustainability	sustainability	NOUN
framr-3062	123	16	.	.	PUNCT
framr-3062	124	1	although	although	SCONJ
framr-3062	124	2	it	it	PRON
framr-3062	124	3	is	be	AUX
framr-3062	124	4	the	the	DET
framr-3062	124	5	only	only	ADJ
framr-3062	124	6	unit	unit	NOUN
framr-3062	124	7	authorized	authorize	VERB
framr-3062	124	8	to	to	PART
framr-3062	124	9	conduct	conduct	VERB
framr-3062	124	10	foreign	foreign	ADJ
framr-3062	124	11	exchange	exchange	NOUN
framr-3062	124	12	business	business	NOUN
framr-3062	124	13	,	,	PUNCT
framr-3062	124	14	this	this	DET
framr-3062	124	15	activity	activity	NOUN
framr-3062	124	16	has	have	AUX
framr-3062	124	17	not	not	PART
framr-3062	124	18	been	be	AUX
framr-3062	124	19	effective	effective	ADJ
framr-3062	124	20	for	for	ADP
framr-3062	124	21	the	the	DET
framr-3062	124	22	bank	bank	NOUN
framr-3062	124	23	.	.	PUNCT
framr-3062	125	1	this	this	PRON
framr-3062	125	2	shows	show	VERB
framr-3062	125	3	that	that	SCONJ
framr-3062	125	4	foreign	foreign	ADJ
framr-3062	125	5	exchange	exchange	NOUN
framr-3062	125	6	-	-	PUNCT
framr-3062	125	7	related	relate	VERB
framr-3062	125	8	activities	activity	NOUN
framr-3062	125	9	are	be	AUX
framr-3062	125	10	not	not	PART
framr-3062	125	11	being	be	AUX
framr-3062	125	12	effectively	effectively	ADV
framr-3062	125	13	controlled	control	VERB
framr-3062	125	14	.	.	PUNCT
framr-3062	126	1	moreover	moreover	ADV
framr-3062	126	2	,	,	PUNCT
framr-3062	126	3	the	the	DET
framr-3062	126	4	cause	cause	NOUN
framr-3062	126	5	also	also	ADV
framr-3062	126	6	comes	come	VERB
framr-3062	126	7	from	from	ADP
framr-3062	126	8	the	the	DET
framr-3062	126	9	policy	policy	NOUN
framr-3062	126	10	of	of	ADP
framr-3062	126	11	the	the	DET
framr-3062	126	12	state	state	NOUN
framr-3062	126	13	bank	bank	NOUN
framr-3062	126	14	by	by	ADP
framr-3062	126	15	tightening	tighten	VERB
framr-3062	126	16	foreign	foreign	ADJ
framr-3062	126	17	currency	currency	NOUN
framr-3062	126	18	lending	lending	NOUN
framr-3062	126	19	to	to	PART
framr-3062	126	20	pursue	pursue	VERB
framr-3062	126	21	the	the	DET
framr-3062	126	22	goal	goal	NOUN
framr-3062	126	23	of	of	ADP
framr-3062	126	24	anti	anti	ADJ
framr-3062	126	25	-	-	NOUN
framr-3062	126	26	dollarization	dollarization	NOUN
framr-3062	126	27	of	of	ADP
framr-3062	126	28	the	the	DET
framr-3062	126	29	economy	economy	NOUN
framr-3062	126	30	by	by	ADP
framr-3062	126	31	gradually	gradually	ADV
framr-3062	126	32	shifting	shift	VERB
framr-3062	126	33	from	from	ADP
framr-3062	126	34	lending	lending	NOUN
framr-3062	126	35	transactions	transaction	NOUN
framr-3062	126	36	to	to	ADP
framr-3062	126	37	buying	buy	VERB
framr-3062	126	38	and	and	CCONJ
framr-3062	126	39	selling	sell	VERB
framr-3062	126	40	foreign	foreign	ADJ
framr-3062	126	41	currencies	currency	NOUN
framr-3062	126	42	is	be	AUX
framr-3062	126	43	one	one	NUM
framr-3062	126	44	of	of	ADP
framr-3062	126	45	the	the	DET
framr-3062	126	46	main	main	ADJ
framr-3062	126	47	reasons	reason	NOUN
framr-3062	126	48	foreign	foreign	ADJ
framr-3062	126	49	exchange	exchange	NOUN
framr-3062	126	50	revenue	revenue	NOUN
framr-3062	126	51	declined	decline	VERB
framr-3062	126	52	.	.	PUNCT
framr-3062	127	1	it	it	PRON
framr-3062	127	2	can	can	AUX
framr-3062	127	3	be	be	AUX
framr-3062	127	4	seen	see	VERB
framr-3062	127	5	that	that	SCONJ
framr-3062	127	6	this	this	PRON
framr-3062	127	7	is	be	AUX
framr-3062	127	8	a	a	DET
framr-3062	127	9	common	common	ADJ
framr-3062	127	10	influence	influence	NOUN
framr-3062	127	11	on	on	ADP
framr-3062	127	12	the	the	DET
framr-3062	127	13	state	state	NOUN
framr-3062	127	14	.	.	PUNCT
framr-3062	128	1	additionally	additionally	ADV
framr-3062	128	2	,	,	PUNCT
framr-3062	128	3	the	the	DET
framr-3062	128	4	value	value	NOUN
framr-3062	128	5	of	of	ADP
framr-3062	128	6	vnd	vnd	PROPN
framr-3062	128	7	remained	remain	VERB
framr-3062	128	8	stable	stable	ADJ
framr-3062	128	9	in	in	ADP
framr-3062	128	10	recent	recent	ADJ
framr-3062	128	11	years	year	NOUN
framr-3062	128	12	despite	despite	SCONJ
framr-3062	128	13	strong	strong	ADJ
framr-3062	128	14	fluctuations	fluctuation	NOUN
framr-3062	128	15	of	of	ADP
framr-3062	128	16	many	many	ADJ
framr-3062	128	17	domestic	domestic	ADJ
framr-3062	128	18	currencies	currency	NOUN
framr-3062	128	19	worldwide	worldwide	ADV
framr-3062	128	20	.	.	PUNCT
framr-3062	129	1	the	the	DET
framr-3062	129	2	difference	difference	NOUN
framr-3062	129	3	in	in	ADP
framr-3062	129	4	interest	interest	NOUN
framr-3062	129	5	rates	rate	NOUN
framr-3062	129	6	between	between	ADP
framr-3062	129	7	vnd	vnd	PROPN
framr-3062	129	8	and	and	CCONJ
framr-3062	129	9	usd	usd	NOUN
framr-3062	129	10	is	be	AUX
framr-3062	129	11	no	no	ADV
framr-3062	129	12	longer	long	ADV
framr-3062	129	13	large	large	ADJ
framr-3062	129	14	,	,	PUNCT
framr-3062	129	15	so	so	CCONJ
framr-3062	129	16	there	there	PRON
framr-3062	129	17	is	be	VERB
framr-3062	129	18	not	not	PART
framr-3062	129	19	as	as	ADV
framr-3062	129	20	much	much	ADJ
framr-3062	129	21	room	room	NOUN
framr-3062	129	22	to	to	PART
framr-3062	129	23	use	use	VERB
framr-3062	129	24	financial	financial	ADJ
framr-3062	129	25	leverage	leverage	NOUN
framr-3062	129	26	based	base	VERB
framr-3062	129	27	on	on	ADP
framr-3062	129	28	currency	currency	NOUN
framr-3062	129	29	fluctuations	fluctuation	NOUN
framr-3062	129	30	as	as	ADP
framr-3062	129	31	before	before	ADV
framr-3062	129	32	.	.	PUNCT
framr-3062	130	1	bank	bank	NOUN
framr-3062	130	2	size	size	NOUN
framr-3062	130	3	(	(	PUNCT
framr-3062	130	4	size	size	NOUN
framr-3062	130	5	)	)	PUNCT
framr-3062	130	6	positively	positively	ADV
framr-3062	130	7	affects	affect	VERB
framr-3062	130	8	bank	bank	NOUN
framr-3062	130	9	stability	stability	NOUN
framr-3062	130	10	or	or	CCONJ
framr-3062	130	11	reduces	reduce	VERB
framr-3062	130	12	the	the	DET
framr-3062	130	13	bank	bank	NOUN
framr-3062	130	14	’s	’s	PART
framr-3062	130	15	risk	risk	NOUN
framr-3062	130	16	.	.	PUNCT
framr-3062	131	1	this	this	DET
framr-3062	131	2	result	result	NOUN
framr-3062	131	3	shows	show	VERB
framr-3062	131	4	that	that	SCONJ
framr-3062	131	5	expanding	expand	VERB
framr-3062	131	6	assets	asset	NOUN
framr-3062	131	7	or	or	CCONJ
framr-3062	131	8	scale	scale	NOUN
framr-3062	131	9	helps	help	VERB
framr-3062	131	10	banks	bank	NOUN
framr-3062	131	11	approach	approach	VERB
framr-3062	131	12	customers	customer	NOUN
framr-3062	131	13	better	well	ADV
framr-3062	131	14	.	.	PUNCT
framr-3062	132	1	this	this	PRON
framr-3062	132	2	is	be	AUX
framr-3062	132	3	a	a	DET
framr-3062	132	4	positive	positive	ADJ
framr-3062	132	5	sign	sign	NOUN
framr-3062	132	6	indicating	indicate	VERB
framr-3062	132	7	the	the	DET
framr-3062	132	8	efficiency	efficiency	NOUN
framr-3062	132	9	of	of	ADP
framr-3062	132	10	the	the	DET
framr-3062	132	11	banks	bank	NOUN
framr-3062	132	12	'	'	PART
framr-3062	132	13	size	size	NOUN
framr-3062	132	14	in	in	ADP
framr-3062	132	15	recent	recent	ADJ
framr-3062	132	16	times	time	NOUN
framr-3062	132	17	.	.	PUNCT
framr-3062	133	1	concurrently	concurrently	ADV
framr-3062	133	2	,	,	PUNCT
framr-3062	133	3	car	car	NOUN
framr-3062	133	4	has	have	VERB
framr-3062	133	5	a	a	DET
framr-3062	133	6	positive	positive	ADJ
framr-3062	133	7	effect	effect	NOUN
framr-3062	133	8	on	on	ADP
framr-3062	133	9	sustainability	sustainability	NOUN
framr-3062	133	10	,	,	PUNCT
framr-3062	133	11	showing	show	VERB
framr-3062	133	12	that	that	SCONJ
framr-3062	133	13	the	the	PRON
framr-3062	133	14	higher	high	ADJ
framr-3062	133	15	the	the	DET
framr-3062	133	16	capital	capital	NOUN
framr-3062	133	17	adequacy	adequacy	NOUN
framr-3062	133	18	ratio	ratio	NOUN
framr-3062	133	19	of	of	ADP
framr-3062	133	20	the	the	DET
framr-3062	133	21	bank	bank	NOUN
framr-3062	133	22	,	,	PUNCT
framr-3062	133	23	the	the	PRON
framr-3062	133	24	lower	low	ADJ
framr-3062	133	25	the	the	DET
framr-3062	133	26	risk	risk	NOUN
framr-3062	133	27	.	.	PUNCT
framr-3062	134	1	although	although	SCONJ
framr-3062	134	2	a	a	DET
framr-3062	134	3	high	high	ADJ
framr-3062	134	4	car	car	NOUN
framr-3062	134	5	may	may	AUX
framr-3062	134	6	affect	affect	VERB
framr-3062	134	7	the	the	DET
framr-3062	134	8	effectiveness	effectiveness	NOUN
framr-3062	134	9	of	of	ADP
framr-3062	134	10	lending	lending	NOUN
framr-3062	134	11	activities	activity	NOUN
framr-3062	134	12	,	,	PUNCT
framr-3062	134	13	in	in	ADP
framr-3062	134	14	terms	term	NOUN
framr-3062	134	15	of	of	ADP
framr-3062	134	16	risk	risk	NOUN
framr-3062	134	17	,	,	PUNCT
framr-3062	134	18	the	the	DET
framr-3062	134	19	car	car	NOUN
framr-3062	134	20	ratio	ratio	NOUN
framr-3062	134	21	is	be	AUX
framr-3062	134	22	helping	help	VERB
framr-3062	134	23	banks	bank	NOUN
framr-3062	134	24	better	well	ADV
framr-3062	134	25	control	control	VERB
framr-3062	134	26	risks	risk	NOUN
framr-3062	134	27	.	.	PUNCT
framr-3062	135	1	finally	finally	ADV
framr-3062	135	2	,	,	PUNCT
framr-3062	135	3	loans	loan	NOUN
framr-3062	135	4	do	do	AUX
framr-3062	135	5	not	not	PART
framr-3062	135	6	affect	affect	VERB
framr-3062	135	7	the	the	DET
framr-3062	135	8	bank	bank	NOUN
framr-3062	135	9	risk	risk	NOUN
framr-3062	135	10	.	.	PUNCT
framr-3062	136	1	the	the	DET
framr-3062	136	2	risk	risk	NOUN
framr-3062	136	3	of	of	ADP
framr-3062	136	4	bad	bad	ADJ
framr-3062	136	5	debt	debt	NOUN
framr-3062	136	6	accompanies	accompany	VERB
framr-3062	136	7	the	the	DET
framr-3062	136	8	increase	increase	NOUN
framr-3062	136	9	or	or	CCONJ
framr-3062	136	10	decrease	decrease	NOUN
framr-3062	136	11	in	in	ADP
framr-3062	136	12	lending	lending	NOUN
framr-3062	136	13	,	,	PUNCT
framr-3062	136	14	so	so	SCONJ
framr-3062	136	15	these	these	DET
framr-3062	136	16	two	two	NUM
framr-3062	136	17	factors	factor	NOUN
framr-3062	136	18	are	be	AUX
framr-3062	136	19	currently	currently	ADV
framr-3062	136	20	in	in	ADP
framr-3062	136	21	balance	balance	NOUN
framr-3062	136	22	,	,	PUNCT
framr-3062	136	23	leading	lead	VERB
framr-3062	136	24	to	to	ADP
framr-3062	136	25	no	no	DET
framr-3062	136	26	effect	effect	NOUN
framr-3062	136	27	of	of	ADP
framr-3062	136	28	loans	loan	NOUN
framr-3062	136	29	on	on	ADP
framr-3062	136	30	bank	bank	NOUN
framr-3062	136	31	risk	risk	NOUN
framr-3062	136	32	.	.	PUNCT
framr-3062	137	1	5	5	X
framr-3062	137	2	.	.	X
framr-3062	137	3	conclusion	conclusion	NOUN
framr-3062	137	4	and	and	CCONJ
framr-3062	137	5	implications	implication	NOUN
framr-3062	137	6	the	the	DET
framr-3062	137	7	paper	paper	NOUN
framr-3062	137	8	systematizes	systematize	VERB
framr-3062	137	9	the	the	DET
framr-3062	137	10	business	business	NOUN
framr-3062	137	11	model	model	NOUN
framr-3062	137	12	diversification	diversification	NOUN
framr-3062	137	13	theory	theory	NOUN
framr-3062	137	14	and	and	CCONJ
framr-3062	137	15	banks	bank	NOUN
framr-3062	137	16	'	'	PART
framr-3062	137	17	risk	risk	NOUN
framr-3062	137	18	and	and	CCONJ
framr-3062	137	19	sustainability	sustainability	NOUN
framr-3062	137	20	.	.	PUNCT
framr-3062	138	1	two	two	NUM
framr-3062	138	2	noninterest	noninter	ADJ
framr-3062	138	3	income	income	NOUN
framr-3062	138	4	activities	activity	NOUN
framr-3062	138	5	from	from	ADP
framr-3062	138	6	fees	fee	NOUN
framr-3062	138	7	and	and	CCONJ
framr-3062	138	8	foreign	foreign	ADJ
framr-3062	138	9	exchange	exchange	NOUN
framr-3062	138	10	and	and	CCONJ
framr-3062	138	11	gold	gold	NOUN
framr-3062	138	12	trading	trading	NOUN
framr-3062	138	13	activities	activity	NOUN
framr-3062	138	14	are	be	AUX
framr-3062	138	15	typical	typical	ADJ
framr-3062	138	16	for	for	ADP
framr-3062	138	17	diversifying	diversify	VERB
framr-3062	138	18	business	business	NOUN
framr-3062	138	19	models	model	NOUN
framr-3062	138	20	in	in	ADP
framr-3062	138	21	banks	bank	NOUN
framr-3062	138	22	.	.	PUNCT
framr-3062	139	1	furthermore	furthermore	ADV
framr-3062	139	2	,	,	PUNCT
framr-3062	139	3	the	the	DET
framr-3062	139	4	study	study	NOUN
framr-3062	139	5	figured	figure	VERB
framr-3062	139	6	out	out	ADP
framr-3062	139	7	the	the	DET
framr-3062	139	8	negative	negative	ADJ
framr-3062	139	9	impact	impact	NOUN
framr-3062	139	10	of	of	ADP
framr-3062	139	11	nnii	nnii	PROPN
framr-3062	139	12	business	business	NOUN
framr-3062	139	13	model	model	NOUN
framr-3062	139	14	diversification	diversification	NOUN
framr-3062	139	15	on	on	ADP
framr-3062	139	16	the	the	DET
framr-3062	139	17	bank	bank	NOUN
framr-3062	139	18	’s	’s	PART
framr-3062	139	19	sustainability	sustainability	NOUN
framr-3062	139	20	through	through	ADP
framr-3062	139	21	quantitative	quantitative	ADJ
framr-3062	139	22	data	datum	NOUN
framr-3062	139	23	analysis	analysis	NOUN
framr-3062	139	24	.	.	PUNCT
framr-3062	140	1	meanwhile	meanwhile	ADV
framr-3062	140	2	,	,	PUNCT
framr-3062	140	3	the	the	DET
framr-3062	140	4	trade	trade	NOUN
framr-3062	140	5	business	business	NOUN
framr-3062	140	6	is	be	AUX
framr-3062	140	7	not	not	PART
framr-3062	140	8	meaningful	meaningful	ADJ
framr-3062	140	9	in	in	ADP
framr-3062	140	10	the	the	DET
framr-3062	140	11	research	research	NOUN
framr-3062	140	12	period	period	NOUN
framr-3062	140	13	due	due	ADP
framr-3062	140	14	to	to	ADP
framr-3062	140	15	the	the	DET
framr-3062	140	16	influence	influence	NOUN
framr-3062	140	17	of	of	ADP
framr-3062	140	18	the	the	DET
framr-3062	140	19	government	government	NOUN
framr-3062	140	20	’s	’s	PART
framr-3062	140	21	policy	policy	NOUN
framr-3062	140	22	on	on	ADP
framr-3062	140	23	the	the	DET
framr-3062	140	24	issue	issue	NOUN
framr-3062	140	25	of	of	ADP
framr-3062	140	26	monetary	monetary	ADJ
framr-3062	140	27	tightening	tightening	NOUN
framr-3062	140	28	.	.	PUNCT
framr-3062	141	1	finally	finally	ADV
framr-3062	141	2	,	,	PUNCT
framr-3062	141	3	the	the	DET
framr-3062	141	4	paper	paper	NOUN
framr-3062	141	5	suggests	suggest	VERB
framr-3062	141	6	some	some	PRON
framr-3062	141	7	following	follow	VERB
framr-3062	141	8	theoretical	theoretical	ADJ
framr-3062	141	9	and	and	CCONJ
framr-3062	141	10	practical	practical	ADJ
framr-3062	141	11	implications	implication	NOUN
framr-3062	141	12	based	base	VERB
framr-3062	141	13	on	on	ADP
framr-3062	141	14	new	new	ADJ
framr-3062	141	15	findings	finding	NOUN
framr-3062	141	16	.	.	PUNCT
framr-3062	142	1	5.1	5.1	NUM
framr-3062	142	2	.	.	PUNCT
framr-3062	143	1	theoretical	theoretical	ADJ
framr-3062	143	2	implication	implication	NOUN
framr-3062	143	3	the	the	DET
framr-3062	143	4	paper	paper	NOUN
framr-3062	143	5	tested	test	VERB
framr-3062	143	6	the	the	DET
framr-3062	143	7	relationship	relationship	NOUN
framr-3062	143	8	between	between	ADP
framr-3062	143	9	business	business	NOUN
framr-3062	143	10	model	model	NOUN
framr-3062	143	11	diversification	diversification	NOUN
framr-3062	143	12	and	and	CCONJ
framr-3062	143	13	bank	bank	NOUN
framr-3062	143	14	risk	risk	NOUN
framr-3062	143	15	.	.	PUNCT
framr-3062	144	1	in	in	ADP
framr-3062	144	2	the	the	DET
framr-3062	144	3	developing	develop	VERB
framr-3062	144	4	financial	financial	ADJ
framr-3062	144	5	market	market	NOUN
framr-3062	144	6	,	,	PUNCT
framr-3062	144	7	business	business	NOUN
framr-3062	144	8	activities	activity	NOUN
framr-3062	144	9	other	other	ADJ
framr-3062	144	10	than	than	ADP
framr-3062	144	11	lending	lending	NOUN
framr-3062	144	12	are	be	AUX
framr-3062	144	13	not	not	PART
framr-3062	144	14	bringing	bring	VERB
framr-3062	144	15	sustainability	sustainability	NOUN
framr-3062	144	16	to	to	ADP
framr-3062	144	17	the	the	DET
framr-3062	144	18	bank	bank	NOUN
framr-3062	144	19	.	.	PUNCT
framr-3062	145	1	nevertheless	nevertheless	ADV
framr-3062	145	2	,	,	PUNCT
framr-3062	145	3	it	it	PRON
framr-3062	145	4	can	can	AUX
framr-3062	145	5	be	be	AUX
framr-3062	145	6	said	say	VERB
framr-3062	145	7	that	that	SCONJ
framr-3062	145	8	lending	lending	NOUN
framr-3062	145	9	activities	activity	NOUN
framr-3062	145	10	are	be	AUX
framr-3062	145	11	still	still	ADV
framr-3062	145	12	an	an	DET
framr-3062	145	13	important	important	ADJ
framr-3062	145	14	factor	factor	NOUN
framr-3062	145	15	in	in	ADP
framr-3062	145	16	the	the	DET
framr-3062	145	17	maintenance	maintenance	NOUN
framr-3062	145	18	and	and	CCONJ
framr-3062	145	19	sustainable	sustainable	ADJ
framr-3062	145	20	development	development	NOUN
framr-3062	145	21	of	of	ADP
framr-3062	145	22	the	the	DET
framr-3062	145	23	bank	bank	NOUN
framr-3062	145	24	.	.	PUNCT
framr-3062	146	1	this	this	PRON
framr-3062	146	2	will	will	AUX
framr-3062	146	3	be	be	AUX
framr-3062	146	4	an	an	DET
framr-3062	146	5	important	important	ADJ
framr-3062	146	6	factor	factor	NOUN
framr-3062	146	7	in	in	ADP
framr-3062	146	8	making	make	VERB
framr-3062	146	9	a	a	DET
framr-3062	146	10	firmer	firm	ADJ
framr-3062	146	11	addition	addition	NOUN
framr-3062	146	12	to	to	ADP
framr-3062	146	13	the	the	DET
framr-3062	146	14	relationship	relationship	NOUN
framr-3062	146	15	between	between	ADP
framr-3062	146	16	business	business	NOUN
framr-3062	146	17	model	model	NOUN
framr-3062	146	18	diversification	diversification	NOUN
framr-3062	146	19	,	,	PUNCT
framr-3062	146	20	bank	bank	NOUN
framr-3062	146	21	risk	risk	NOUN
framr-3062	146	22	,	,	PUNCT
framr-3062	146	23	and	and	CCONJ
framr-3062	146	24	bank	bank	NOUN
framr-3062	146	25	stability	stability	NOUN
framr-3062	146	26	.	.	PUNCT
framr-3062	147	1	financial	financial	ADJ
framr-3062	147	2	risk	risk	NOUN
framr-3062	147	3	and	and	CCONJ
framr-3062	147	4	management	management	NOUN
framr-3062	147	5	reviews	review	NOUN
framr-3062	147	6	,	,	PUNCT
framr-3062	147	7	2022	2022	NUM
framr-3062	147	8	,	,	PUNCT
framr-3062	147	9	8(1	8(1	NOUN
framr-3062	147	10	):	):	PUNCT
framr-3062	147	11	20	20	NUM
framr-3062	147	12	-	-	SYM
framr-3062	147	13	26	26	NUM
framr-3062	147	14	25	25	NUM
framr-3062	147	15	©	©	PROPN
framr-3062	147	16	2022	2022	NUM
framr-3062	147	17	conscientia	conscientia	PROPN
framr-3062	147	18	beam	beam	PROPN
framr-3062	147	19	.	.	PUNCT
framr-3062	148	1	all	all	DET
framr-3062	148	2	rights	right	NOUN
framr-3062	148	3	reserved	reserve	VERB
framr-3062	148	4	.	.	PUNCT
framr-3062	149	1	5.2	5.2	NUM
framr-3062	149	2	.	.	PUNCT
framr-3062	149	3	practical	practical	ADJ
framr-3062	149	4	implication	implication	NOUN
framr-3062	149	5	the	the	DET
framr-3062	149	6	impact	impact	NOUN
framr-3062	149	7	of	of	ADP
framr-3062	149	8	business	business	NOUN
framr-3062	149	9	model	model	NOUN
framr-3062	149	10	diversification	diversification	NOUN
framr-3062	149	11	on	on	ADP
framr-3062	149	12	bank	bank	NOUN
framr-3062	149	13	risk	risk	NOUN
framr-3062	149	14	will	will	AUX
framr-3062	149	15	help	help	VERB
framr-3062	149	16	managers	manager	NOUN
framr-3062	149	17	in	in	ADP
framr-3062	149	18	the	the	DET
framr-3062	149	19	bank	bank	NOUN
framr-3062	149	20	have	have	VERB
framr-3062	149	21	appropriate	appropriate	ADJ
framr-3062	149	22	intervention	intervention	NOUN
framr-3062	149	23	policies	policy	NOUN
framr-3062	149	24	to	to	PART
framr-3062	149	25	make	make	VERB
framr-3062	149	26	non	non	ADJ
framr-3062	149	27	-	-	ADJ
framr-3062	149	28	interest	interest	ADJ
framr-3062	149	29	income	income	NOUN
framr-3062	149	30	more	more	ADV
framr-3062	149	31	effectively	effectively	ADV
framr-3062	149	32	.	.	PUNCT
framr-3062	150	1	as	as	SCONJ
framr-3062	150	2	fee	fee	NOUN
framr-3062	150	3	-	-	PUNCT
framr-3062	150	4	based	base	VERB
framr-3062	150	5	activity	activity	NOUN
framr-3062	150	6	increases	increase	NOUN
framr-3062	150	7	,	,	PUNCT
framr-3062	150	8	processes	process	NOUN
framr-3062	150	9	and	and	CCONJ
framr-3062	150	10	resources	resource	NOUN
framr-3062	150	11	for	for	ADP
framr-3062	150	12	fee	fee	NOUN
framr-3062	150	13	-	-	PUNCT
framr-3062	150	14	based	base	VERB
framr-3062	150	15	operations	operation	NOUN
framr-3062	150	16	are	be	AUX
framr-3062	150	17	experiencing	experience	VERB
framr-3062	150	18	problems	problem	NOUN
framr-3062	150	19	leading	lead	VERB
framr-3062	150	20	to	to	ADP
framr-3062	150	21	increased	increase	VERB
framr-3062	150	22	bank	bank	NOUN
framr-3062	150	23	risk	risk	NOUN
framr-3062	150	24	.	.	PUNCT
framr-3062	151	1	simultaneously	simultaneously	ADV
framr-3062	151	2	,	,	PUNCT
framr-3062	151	3	income	income	NOUN
framr-3062	151	4	from	from	ADP
framr-3062	151	5	foreign	foreign	ADJ
framr-3062	151	6	exchange	exchange	NOUN
framr-3062	151	7	or	or	CCONJ
framr-3062	151	8	gold	gold	NOUN
framr-3062	151	9	trading	trading	NOUN
framr-3062	151	10	is	be	AUX
framr-3062	151	11	not	not	PART
framr-3062	151	12	meaningful	meaningful	ADJ
framr-3062	151	13	with	with	ADP
framr-3062	151	14	bank	bank	NOUN
framr-3062	151	15	risk	risk	NOUN
framr-3062	151	16	,	,	PUNCT
framr-3062	151	17	which	which	PRON
framr-3062	151	18	shows	show	VERB
framr-3062	151	19	that	that	SCONJ
framr-3062	151	20	this	this	DET
framr-3062	151	21	activity	activity	NOUN
framr-3062	151	22	needs	need	VERB
framr-3062	151	23	to	to	PART
framr-3062	151	24	be	be	AUX
framr-3062	151	25	maintained	maintain	VERB
framr-3062	151	26	at	at	ADP
framr-3062	151	27	a	a	DET
framr-3062	151	28	moderate	moderate	ADJ
framr-3062	151	29	level	level	NOUN
framr-3062	151	30	and	and	CCONJ
framr-3062	151	31	wait	wait	VERB
framr-3062	151	32	for	for	ADP
framr-3062	151	33	positive	positive	ADJ
framr-3062	151	34	signals	signal	NOUN
framr-3062	151	35	from	from	ADP
framr-3062	151	36	the	the	DET
framr-3062	151	37	government	government	NOUN
framr-3062	151	38	about	about	ADP
framr-3062	151	39	this	this	DET
framr-3062	151	40	foreign	foreign	ADJ
framr-3062	151	41	exchange	exchange	NOUN
framr-3062	151	42	business	business	NOUN
framr-3062	151	43	activity	activity	NOUN
framr-3062	151	44	.	.	PUNCT
framr-3062	152	1	6	6	NUM
framr-3062	152	2	.	.	X
framr-3062	152	3	limitation	limitation	NOUN
framr-3062	152	4	and	and	CCONJ
framr-3062	152	5	future	future	ADJ
framr-3062	152	6	research	research	NOUN
framr-3062	152	7	although	although	SCONJ
framr-3062	152	8	the	the	DET
framr-3062	152	9	paper	paper	NOUN
framr-3062	152	10	found	find	VERB
framr-3062	152	11	a	a	DET
framr-3062	152	12	positive	positive	ADJ
framr-3062	152	13	effect	effect	NOUN
framr-3062	152	14	of	of	ADP
framr-3062	152	15	business	business	NOUN
framr-3062	152	16	model	model	NOUN
framr-3062	152	17	diversification	diversification	NOUN
framr-3062	152	18	on	on	ADP
framr-3062	152	19	bank	bank	NOUN
framr-3062	152	20	risk	risk	NOUN
framr-3062	152	21	,	,	PUNCT
framr-3062	152	22	however	however	ADV
framr-3062	152	23	,	,	PUNCT
framr-3062	152	24	this	this	PRON
framr-3062	152	25	still	still	ADV
framr-3062	152	26	exist	exist	VERB
framr-3062	152	27	some	some	DET
framr-3062	152	28	limitations	limitation	NOUN
framr-3062	152	29	.	.	PUNCT
framr-3062	153	1	first	first	ADV
framr-3062	153	2	,	,	PUNCT
framr-3062	153	3	the	the	DET
framr-3062	153	4	article	article	NOUN
framr-3062	153	5	has	have	AUX
framr-3062	153	6	not	not	PART
framr-3062	153	7	yet	yet	ADV
framr-3062	153	8	considered	consider	VERB
framr-3062	153	9	the	the	DET
framr-3062	153	10	mediating	mediate	VERB
framr-3062	153	11	role	role	NOUN
framr-3062	153	12	of	of	ADP
framr-3062	153	13	business	business	NOUN
framr-3062	153	14	results	result	NOUN
framr-3062	153	15	,	,	PUNCT
framr-3062	153	16	non	non	ADJ
framr-3062	153	17	-	-	ADJ
framr-3062	153	18	performance	performance	ADJ
framr-3062	153	19	loans	loan	NOUN
framr-3062	153	20	,	,	PUNCT
framr-3062	153	21	to	to	ADP
framr-3062	153	22	bank	bank	NOUN
framr-3062	153	23	risk	risk	NOUN
framr-3062	153	24	.	.	PUNCT
framr-3062	154	1	diversifying	diversify	VERB
framr-3062	154	2	business	business	NOUN
framr-3062	154	3	models	model	NOUN
framr-3062	154	4	can	can	AUX
framr-3062	154	5	affect	affect	VERB
framr-3062	154	6	business	business	NOUN
framr-3062	154	7	results	result	NOUN
framr-3062	154	8	,	,	PUNCT
framr-3062	154	9	and	and	CCONJ
framr-3062	154	10	bank	bank	NOUN
framr-3062	154	11	risks	risk	NOUN
framr-3062	154	12	are	be	AUX
framr-3062	154	13	different	different	ADJ
framr-3062	154	14	,	,	PUNCT
framr-3062	154	15	so	so	CCONJ
framr-3062	154	16	this	this	DET
framr-3062	154	17	nexus	nexus	NOUN
framr-3062	154	18	also	also	ADV
framr-3062	154	19	has	have	VERB
framr-3062	154	20	more	more	ADJ
framr-3062	154	21	in	in	ADP
framr-3062	154	22	-	-	PUNCT
framr-3062	154	23	depth	depth	NOUN
framr-3062	154	24	judgments	judgment	NOUN
framr-3062	154	25	.	.	PUNCT
framr-3062	155	1	similar	similar	ADJ
framr-3062	155	2	to	to	ADP
framr-3062	155	3	non	non	ADJ
framr-3062	155	4	-	-	ADJ
framr-3062	155	5	performance	performance	ADJ
framr-3062	155	6	loans	loan	NOUN
framr-3062	155	7	,	,	PUNCT
framr-3062	155	8	lending	lending	NOUN
framr-3062	155	9	problems	problem	NOUN
framr-3062	155	10	can	can	AUX
framr-3062	155	11	affect	affect	VERB
framr-3062	155	12	non	non	ADJ
framr-3062	155	13	-	-	ADJ
framr-3062	155	14	performance	performance	ADJ
framr-3062	155	15	loans	loan	NOUN
framr-3062	155	16	,	,	PUNCT
framr-3062	155	17	and	and	CCONJ
framr-3062	155	18	bank	bank	NOUN
framr-3062	155	19	risk	risk	NOUN
framr-3062	155	20	may	may	AUX
framr-3062	155	21	also	also	ADV
framr-3062	155	22	need	need	VERB
framr-3062	155	23	to	to	PART
framr-3062	155	24	be	be	AUX
framr-3062	155	25	considered	consider	VERB
framr-3062	155	26	for	for	ADP
framr-3062	155	27	a	a	DET
framr-3062	155	28	more	more	ADV
framr-3062	155	29	thorough	thorough	ADJ
framr-3062	155	30	judgment	judgment	NOUN
framr-3062	155	31	.	.	PUNCT
framr-3062	156	1	second	second	ADJ
framr-3062	156	2	,	,	PUNCT
framr-3062	156	3	the	the	DET
framr-3062	156	4	data	data	NOUN
framr-3062	156	5	source	source	NOUN
framr-3062	156	6	is	be	AUX
framr-3062	156	7	currently	currently	ADV
framr-3062	156	8	only	only	ADV
framr-3062	156	9	collected	collect	VERB
framr-3062	156	10	until	until	ADP
framr-3062	156	11	2019	2019	NUM
framr-3062	156	12	.	.	PUNCT
framr-3062	157	1	therefore	therefore	ADV
framr-3062	157	2	,	,	PUNCT
framr-3062	157	3	the	the	DET
framr-3062	157	4	effects	effect	NOUN
framr-3062	157	5	of	of	ADP
framr-3062	157	6	the	the	DET
framr-3062	157	7	covid-19	covid-19	PROPN
framr-3062	157	8	pandemic	pandemic	ADJ
framr-3062	157	9	and	and	CCONJ
framr-3062	157	10	bank	bank	NOUN
framr-3062	157	11	risk	risk	NOUN
framr-3062	157	12	have	have	AUX
framr-3062	157	13	not	not	PART
framr-3062	157	14	been	be	AUX
framr-3062	157	15	considered	consider	VERB
framr-3062	157	16	.	.	PUNCT
framr-3062	158	1	the	the	DET
framr-3062	158	2	study	study	NOUN
framr-3062	158	3	suggests	suggest	VERB
framr-3062	158	4	that	that	SCONJ
framr-3062	158	5	further	further	ADJ
framr-3062	158	6	research	research	NOUN
framr-3062	158	7	should	should	AUX
framr-3062	158	8	consider	consider	VERB
framr-3062	158	9	adding	add	VERB
framr-3062	158	10	more	more	ADJ
framr-3062	158	11	relationships	relationship	NOUN
framr-3062	158	12	with	with	ADP
framr-3062	158	13	business	business	NOUN
framr-3062	158	14	results	result	NOUN
framr-3062	158	15	and	and	CCONJ
framr-3062	158	16	non	non	ADJ
framr-3062	158	17	-	-	ADJ
framr-3062	158	18	performance	performance	ADJ
framr-3062	158	19	loans	loan	NOUN
framr-3062	158	20	to	to	PART
framr-3062	158	21	find	find	VERB
framr-3062	158	22	more	more	ADV
framr-3062	158	23	exciting	exciting	ADJ
framr-3062	158	24	relationships	relationship	NOUN
framr-3062	158	25	.	.	PUNCT
framr-3062	159	1	the	the	DET
framr-3062	159	2	dataset	dataset	NOUN
framr-3062	159	3	can	can	AUX
framr-3062	159	4	be	be	AUX
framr-3062	159	5	collected	collect	VERB
framr-3062	159	6	closer	close	ADV
framr-3062	159	7	to	to	ADP
framr-3062	159	8	the	the	DET
framr-3062	159	9	present	present	NOUN
framr-3062	159	10	to	to	PART
framr-3062	159	11	include	include	VERB
framr-3062	159	12	the	the	DET
framr-3062	159	13	impacts	impact	NOUN
framr-3062	159	14	of	of	ADP
framr-3062	159	15	a	a	DET
framr-3062	159	16	covid-19	covid-19	PROPN
framr-3062	159	17	pandemic	pandemic	NOUN
framr-3062	159	18	.	.	PUNCT
framr-3062	160	1	funding	funding	NOUN
framr-3062	160	2	:	:	PUNCT
framr-3062	160	3	this	this	DET
framr-3062	160	4	study	study	NOUN
framr-3062	160	5	received	receive	VERB
framr-3062	160	6	no	no	DET
framr-3062	160	7	specific	specific	ADJ
framr-3062	160	8	financial	financial	ADJ
framr-3062	160	9	support	support	NOUN
framr-3062	160	10	.	.	PUNCT
framr-3062	161	1	competing	compete	VERB
framr-3062	161	2	interests	interest	NOUN
framr-3062	161	3	:	:	PUNCT
framr-3062	161	4	the	the	DET
framr-3062	161	5	authors	author	NOUN
framr-3062	161	6	declare	declare	VERB
framr-3062	161	7	that	that	SCONJ
framr-3062	161	8	they	they	PRON
framr-3062	161	9	have	have	VERB
framr-3062	161	10	no	no	DET
framr-3062	161	11	competing	compete	VERB
framr-3062	161	12	interests	interest	NOUN
framr-3062	161	13	.	.	PUNCT
framr-3062	162	1	authors	author	NOUN
framr-3062	162	2	’	'	PUNCT
framr-3062	162	3	contributions	contribution	NOUN
framr-3062	162	4	:	:	PUNCT
framr-3062	162	5	all	all	DET
framr-3062	162	6	authors	author	NOUN
framr-3062	162	7	contributed	contribute	VERB
framr-3062	162	8	equally	equally	ADV
framr-3062	162	9	to	to	ADP
framr-3062	162	10	the	the	DET
framr-3062	162	11	conception	conception	NOUN
framr-3062	162	12	and	and	CCONJ
framr-3062	162	13	design	design	NOUN
framr-3062	162	14	of	of	ADP
framr-3062	162	15	the	the	DET
framr-3062	162	16	study	study	NOUN
framr-3062	162	17	.	.	PUNCT
framr-3062	163	1	references	reference	NOUN
framr-3062	163	2	abuzayed	abuzaye	VERB
framr-3062	163	3	,	,	PUNCT
framr-3062	163	4	b.	b.	PROPN
framr-3062	163	5	,	,	PUNCT
framr-3062	163	6	al	al	PROPN
framr-3062	163	7	-	-	PROPN
framr-3062	163	8	fayoumi	fayoumi	PROPN
framr-3062	163	9	,	,	PUNCT
framr-3062	163	10	n.	n.	NOUN
framr-3062	163	11	,	,	PUNCT
framr-3062	163	12	&	&	CCONJ
framr-3062	163	13	molyneux	molyneux	PROPN
framr-3062	163	14	,	,	PUNCT
framr-3062	163	15	p.	p.	NOUN
framr-3062	163	16	(	(	PUNCT
framr-3062	163	17	2018	2018	NUM
framr-3062	163	18	)	)	PUNCT
framr-3062	163	19	.	.	PUNCT
framr-3062	164	1	diversification	diversification	NOUN
framr-3062	164	2	and	and	CCONJ
framr-3062	164	3	bank	bank	NOUN
framr-3062	164	4	stability	stability	NOUN
framr-3062	164	5	in	in	ADP
framr-3062	164	6	the	the	DET
framr-3062	164	7	gcc	gcc	NOUN
framr-3062	164	8	.	.	PUNCT
framr-3062	165	1	journal	journal	PROPN
framr-3062	165	2	of	of	ADP
framr-3062	165	3	international	international	ADJ
framr-3062	165	4	financial	financial	ADJ
framr-3062	165	5	markets	market	NOUN
framr-3062	165	6	,	,	PUNCT
framr-3062	165	7	institutions	institution	NOUN
framr-3062	165	8	and	and	CCONJ
framr-3062	165	9	money	money	NOUN
framr-3062	165	10	,	,	PUNCT
framr-3062	165	11	57	57	NUM
framr-3062	165	12	,	,	PUNCT
framr-3062	165	13	17-43.available	17-43.available	NUM
framr-3062	165	14	at	at	ADP
framr-3062	165	15	:	:	PUNCT
framr-3062	165	16	https://doi.org/10.1016/j.intfin.2018.04.005	https://doi.org/10.1016/j.intfin.2018.04.005	PROPN
framr-3062	165	17	.	.	PUNCT
framr-3062	166	1	bocken	bocken	PROPN
framr-3062	166	2	,	,	PUNCT
framr-3062	166	3	n.	n.	NOUN
framr-3062	166	4	m.	m.	NOUN
framr-3062	166	5	,	,	PUNCT
framr-3062	166	6	short	short	ADJ
framr-3062	166	7	,	,	PUNCT
framr-3062	166	8	s.	s.	PROPN
framr-3062	166	9	w.	w.	PROPN
framr-3062	166	10	,	,	PUNCT
framr-3062	166	11	rana	rana	PROPN
framr-3062	166	12	,	,	PUNCT
framr-3062	166	13	p.	p.	PROPN
framr-3062	166	14	,	,	PUNCT
framr-3062	166	15	&	&	CCONJ
framr-3062	166	16	evans	evans	PROPN
framr-3062	166	17	,	,	PUNCT
framr-3062	166	18	s.	s.	PROPN
framr-3062	166	19	(	(	PUNCT
framr-3062	166	20	2014	2014	NUM
framr-3062	166	21	)	)	PUNCT
framr-3062	166	22	.	.	PUNCT
framr-3062	167	1	a	a	DET
framr-3062	167	2	literature	literature	NOUN
framr-3062	167	3	and	and	CCONJ
framr-3062	167	4	practice	practice	NOUN
framr-3062	167	5	review	review	NOUN
framr-3062	167	6	to	to	PART
framr-3062	167	7	develop	develop	VERB
framr-3062	167	8	sustainable	sustainable	ADJ
framr-3062	167	9	business	business	NOUN
framr-3062	167	10	model	model	NOUN
framr-3062	167	11	archetypes	archetype	NOUN
framr-3062	167	12	.	.	PUNCT
framr-3062	168	1	journal	journal	NOUN
framr-3062	168	2	of	of	ADP
framr-3062	168	3	cleaner	clean	ADJ
framr-3062	168	4	production	production	NOUN
framr-3062	168	5	,	,	PUNCT
framr-3062	168	6	65	65	NUM
framr-3062	168	7	,	,	PUNCT
framr-3062	168	8	42-56.available	42-56.available	NUM
framr-3062	168	9	at	at	ADP
framr-3062	168	10	:	:	PUNCT
framr-3062	168	11	https://doi.org/10.1016/j.jclepro.2013.11.039	https://doi.org/10.1016/j.jclepro.2013.11.039	NOUN
framr-3062	168	12	.	.	PUNCT
framr-3062	169	1	boons	boon	NOUN
framr-3062	169	2	,	,	PUNCT
framr-3062	169	3	f.	f.	PROPN
framr-3062	169	4	,	,	PUNCT
framr-3062	169	5	&	&	CCONJ
framr-3062	169	6	lüdeke	lüdeke	ADJ
framr-3062	169	7	-	-	PUNCT
framr-3062	169	8	freund	freund	PROPN
framr-3062	169	9	,	,	PUNCT
framr-3062	169	10	f.	f.	PROPN
framr-3062	169	11	(	(	PUNCT
framr-3062	169	12	2013	2013	NUM
framr-3062	169	13	)	)	PUNCT
framr-3062	169	14	.	.	PUNCT
framr-3062	170	1	business	business	NOUN
framr-3062	170	2	models	model	NOUN
framr-3062	170	3	for	for	ADP
framr-3062	170	4	sustainable	sustainable	ADJ
framr-3062	170	5	innovation	innovation	NOUN
framr-3062	170	6	:	:	PUNCT
framr-3062	170	7	state	state	NOUN
framr-3062	170	8	-	-	PUNCT
framr-3062	170	9	of	of	ADP
framr-3062	170	10	-	-	PUNCT
framr-3062	170	11	the	the	DET
framr-3062	170	12	-	-	PUNCT
framr-3062	170	13	art	art	NOUN
framr-3062	170	14	and	and	CCONJ
framr-3062	170	15	steps	step	NOUN
framr-3062	170	16	towards	towards	ADP
framr-3062	170	17	a	a	DET
framr-3062	170	18	research	research	NOUN
framr-3062	170	19	agenda	agenda	NOUN
framr-3062	170	20	.	.	PUNCT
framr-3062	171	1	journal	journal	NOUN
framr-3062	171	2	of	of	ADP
framr-3062	171	3	cleaner	clean	ADJ
framr-3062	171	4	production	production	NOUN
framr-3062	171	5	,	,	PUNCT
framr-3062	171	6	45	45	NUM
framr-3062	171	7	,	,	PUNCT
framr-3062	171	8	9-19.available	9-19.available	NUM
framr-3062	171	9	at	at	ADP
framr-3062	171	10	:	:	PUNCT
framr-3062	171	11	https://doi.org/10.1016/j.jclepro.2012.07.007	https://doi.org/10.1016/j.jclepro.2012.07.007	ADJ
framr-3062	171	12	.	.	PUNCT
framr-3062	172	1	deyoung	deyoung	PROPN
framr-3062	172	2	,	,	PUNCT
framr-3062	172	3	r.	r.	PROPN
framr-3062	172	4	,	,	PUNCT
framr-3062	172	5	&	&	CCONJ
framr-3062	172	6	torna	torna	PROPN
framr-3062	172	7	,	,	PUNCT
framr-3062	172	8	g.	g.	PROPN
framr-3062	172	9	(	(	PUNCT
framr-3062	172	10	2013	2013	NUM
framr-3062	172	11	)	)	PUNCT
framr-3062	172	12	.	.	PUNCT
framr-3062	173	1	nontraditional	nontraditional	ADJ
framr-3062	173	2	banking	banking	NOUN
framr-3062	173	3	activities	activity	NOUN
framr-3062	173	4	and	and	CCONJ
framr-3062	173	5	bank	bank	NOUN
framr-3062	173	6	failures	failure	NOUN
framr-3062	173	7	during	during	ADP
framr-3062	173	8	the	the	DET
framr-3062	173	9	financial	financial	ADJ
framr-3062	173	10	crisis	crisis	NOUN
framr-3062	173	11	.	.	PUNCT
framr-3062	174	1	journal	journal	NOUN
framr-3062	174	2	of	of	ADP
framr-3062	174	3	financial	financial	ADJ
framr-3062	174	4	intermediation	intermediation	NOUN
framr-3062	174	5	,	,	PUNCT
framr-3062	174	6	22(3	22(3	NUM
framr-3062	174	7	)	)	PUNCT
framr-3062	174	8	,	,	PUNCT
framr-3062	174	9	397-421.available	397-421.available	NUM
framr-3062	174	10	at	at	ADP
framr-3062	174	11	:	:	PUNCT
framr-3062	174	12	https://doi.org/10.1016/j.jfi.2013.01.001	https://doi.org/10.1016/j.jfi.2013.01.001	NUM
framr-3062	174	13	.	.	PUNCT
framr-3062	174	14	froot	froot	PROPN
framr-3062	174	15	,	,	PUNCT
framr-3062	174	16	k.	k.	PROPN
framr-3062	174	17	a.	a.	PROPN
framr-3062	174	18	,	,	PUNCT
framr-3062	174	19	scharfstein	scharfstein	PROPN
framr-3062	174	20	,	,	PUNCT
framr-3062	174	21	d.	d.	PROPN
framr-3062	174	22	s.	s.	PROPN
framr-3062	174	23	,	,	PUNCT
framr-3062	174	24	&	&	CCONJ
framr-3062	174	25	stein	stein	PROPN
framr-3062	174	26	,	,	PUNCT
framr-3062	174	27	j.	j.	PROPN
framr-3062	174	28	c.	c.	PROPN
framr-3062	174	29	(	(	PUNCT
framr-3062	174	30	1993	1993	NUM
framr-3062	174	31	)	)	PUNCT
framr-3062	174	32	.	.	PUNCT
framr-3062	175	1	risk	risk	NOUN
framr-3062	175	2	management	management	NOUN
framr-3062	175	3	:	:	PUNCT
framr-3062	175	4	coordinating	coordinate	VERB
framr-3062	175	5	corporate	corporate	ADJ
framr-3062	175	6	investment	investment	NOUN
framr-3062	175	7	and	and	CCONJ
framr-3062	175	8	financing	financing	NOUN
framr-3062	175	9	policies	policy	NOUN
framr-3062	175	10	.	.	PUNCT
framr-3062	176	1	the	the	DET
framr-3062	176	2	journal	journal	PROPN
framr-3062	176	3	of	of	ADP
framr-3062	176	4	finance	finance	NOUN
framr-3062	176	5	,	,	PUNCT
framr-3062	176	6	48(5	48(5	NUM
framr-3062	176	7	)	)	PUNCT
framr-3062	176	8	,	,	PUNCT
framr-3062	176	9	1629-1658.available	1629-1658.available	ADJ
framr-3062	176	10	at	at	ADP
framr-3062	176	11	:	:	PUNCT
framr-3062	176	12	https://doi.org/10.2307/2329062	https://doi.org/10.2307/2329062	X
framr-3062	176	13	.	.	PUNCT
framr-3062	177	1	froot	froot	PROPN
framr-3062	177	2	,	,	PUNCT
framr-3062	177	3	k.	k.	PROPN
framr-3062	177	4	a.	a.	PROPN
framr-3062	177	5	,	,	PUNCT
framr-3062	177	6	&	&	CCONJ
framr-3062	177	7	stein	stein	PROPN
framr-3062	177	8	,	,	PUNCT
framr-3062	177	9	j.	j.	PROPN
framr-3062	177	10	c.	c.	PROPN
framr-3062	177	11	(	(	PUNCT
framr-3062	177	12	1998	1998	NUM
framr-3062	177	13	)	)	PUNCT
framr-3062	177	14	.	.	PUNCT
framr-3062	178	1	risk	risk	NOUN
framr-3062	178	2	management	management	NOUN
framr-3062	178	3	,	,	PUNCT
framr-3062	178	4	capital	capital	NOUN
framr-3062	178	5	budgeting	budgeting	NOUN
framr-3062	178	6	,	,	PUNCT
framr-3062	178	7	and	and	CCONJ
framr-3062	178	8	capital	capital	NOUN
framr-3062	178	9	structure	structure	NOUN
framr-3062	178	10	policy	policy	NOUN
framr-3062	178	11	for	for	ADP
framr-3062	178	12	financial	financial	ADJ
framr-3062	178	13	institutions	institution	NOUN
framr-3062	178	14	:	:	PUNCT
framr-3062	178	15	an	an	DET
framr-3062	178	16	integrated	integrated	ADJ
framr-3062	178	17	approach	approach	NOUN
framr-3062	178	18	.	.	PUNCT
framr-3062	179	1	journal	journal	NOUN
framr-3062	179	2	of	of	ADP
framr-3062	179	3	financial	financial	ADJ
framr-3062	179	4	economics	economic	NOUN
framr-3062	179	5	,	,	PUNCT
framr-3062	179	6	47(1	47(1	NUM
framr-3062	179	7	)	)	PUNCT
framr-3062	179	8	,	,	PUNCT
framr-3062	179	9	55-82.available	55-82.available	ADJ
framr-3062	179	10	at	at	ADP
framr-3062	179	11	:	:	PUNCT
framr-3062	179	12	https://doi.org/10.1016/s0304405x(97)00037-8	https://doi.org/10.1016/s0304405x(97)00037-8	PROPN
framr-3062	179	13	.	.	PROPN
framr-3062	179	14	köhler	köhler	PROPN
framr-3062	179	15	,	,	PUNCT
framr-3062	179	16	m.	m.	NOUN
framr-3062	179	17	(	(	PUNCT
framr-3062	179	18	2015	2015	NUM
framr-3062	179	19	)	)	PUNCT
framr-3062	179	20	.	.	PUNCT
framr-3062	180	1	which	which	PRON
framr-3062	180	2	banks	bank	NOUN
framr-3062	180	3	are	be	AUX
framr-3062	180	4	more	more	ADV
framr-3062	180	5	risky	risky	ADJ
framr-3062	180	6	?	?	PUNCT
framr-3062	181	1	the	the	DET
framr-3062	181	2	impact	impact	NOUN
framr-3062	181	3	of	of	ADP
framr-3062	181	4	business	business	NOUN
framr-3062	181	5	models	model	NOUN
framr-3062	181	6	on	on	ADP
framr-3062	181	7	bank	bank	NOUN
framr-3062	181	8	stability	stability	NOUN
framr-3062	181	9	.	.	PUNCT
framr-3062	182	1	journal	journal	NOUN
framr-3062	182	2	of	of	ADP
framr-3062	182	3	financial	financial	ADJ
framr-3062	182	4	stability	stability	NOUN
framr-3062	182	5	,	,	PUNCT
framr-3062	182	6	16	16	NUM
framr-3062	182	7	,	,	PUNCT
framr-3062	182	8	195–212.available	195–212.available	NUM
framr-3062	182	9	at	at	ADP
framr-3062	182	10	:	:	PUNCT
framr-3062	182	11	https://doi.org/10.1016/j.jfs.2014.02.005	https://doi.org/10.1016/j.jfs.2014.02.005	INTJ
framr-3062	182	12	.	.	PUNCT
framr-3062	183	1	lüdeke	lüdeke	ADJ
framr-3062	183	2	-	-	PUNCT
framr-3062	183	3	freund	freund	PROPN
framr-3062	183	4	,	,	PUNCT
framr-3062	183	5	f.	f.	PROPN
framr-3062	183	6	(	(	PUNCT
framr-3062	183	7	2010	2010	NUM
framr-3062	183	8	)	)	PUNCT
framr-3062	183	9	.	.	PUNCT
framr-3062	184	1	towards	towards	ADP
framr-3062	184	2	a	a	DET
framr-3062	184	3	conceptual	conceptual	ADJ
framr-3062	184	4	framework	framework	NOUN
framr-3062	184	5	of'business	of'business	NOUN
framr-3062	184	6	models	model	NOUN
framr-3062	184	7	for	for	ADP
framr-3062	184	8	sustainability	sustainability	NOUN
framr-3062	184	9	'	'	PUNCT
framr-3062	184	10	.	.	PUNCT
framr-3062	185	1	knowledge	knowledge	PROPN
framr-3062	185	2	collaboration	collaboration	PROPN
framr-3062	185	3	&	&	CCONJ
framr-3062	185	4	learning	learn	VERB
framr-3062	185	5	for	for	ADP
framr-3062	185	6	sustainable	sustainable	ADJ
framr-3062	185	7	innovation	innovation	NOUN
framr-3062	185	8	,	,	PUNCT
framr-3062	185	9	r.	r.	PROPN
framr-3062	185	10	wever	wever	PROPN
framr-3062	185	11	,	,	PUNCT
framr-3062	185	12	j.	j.	PROPN
framr-3062	185	13	quist	quist	PROPN
framr-3062	185	14	,	,	PUNCT
framr-3062	185	15	a.	a.	PROPN
framr-3062	185	16	tukker	tukker	PROPN
framr-3062	185	17	,	,	PUNCT
framr-3062	185	18	j.	j.	PROPN
framr-3062	185	19	woudstra	woudstra	PROPN
framr-3062	185	20	,	,	PUNCT
framr-3062	185	21	f.	f.	PROPN
framr-3062	185	22	boons	boon	NOUN
framr-3062	185	23	,	,	PUNCT
framr-3062	185	24	n.	n.	NOUN
framr-3062	185	25	beute	beute	NOUN
framr-3062	185	26	,	,	PUNCT
framr-3062	185	27	eds	ed	NOUN
framr-3062	185	28	.	.	PROPN
framr-3062	185	29	,	,	PUNCT
framr-3062	185	30	delft	delft	NOUN
framr-3062	185	31	,	,	PUNCT
framr-3062	185	32	25	25	NUM
framr-3062	185	33	-	-	SYM
framr-3062	185	34	29	29	NUM
framr-3062	185	35	.	.	PUNCT
framr-3062	186	1	magretta	magretta	PROPN
framr-3062	186	2	,	,	PUNCT
framr-3062	186	3	j.	j.	PROPN
framr-3062	186	4	(	(	PUNCT
framr-3062	186	5	2002	2002	NUM
framr-3062	186	6	)	)	PUNCT
framr-3062	186	7	.	.	PUNCT
framr-3062	187	1	why	why	SCONJ
framr-3062	187	2	business	business	NOUN
framr-3062	187	3	models	model	NOUN
framr-3062	187	4	matter	matter	VERB
framr-3062	187	5	.	.	PUNCT
framr-3062	188	1	harvard	harvard	PROPN
framr-3062	188	2	business	business	PROPN
framr-3062	188	3	review	review	PROPN
framr-3062	188	4	,	,	PUNCT
framr-3062	188	5	80(5	80(5	PROPN
framr-3062	188	6	)	)	PUNCT
framr-3062	188	7	,	,	PUNCT
framr-3062	188	8	86	86	NUM
framr-3062	188	9	-	-	SYM
framr-3062	188	10	133	133	NUM
framr-3062	188	11	.	.	PUNCT
framr-3062	189	1	mahdaleta	mahdaleta	PROPN
framr-3062	189	2	,	,	PUNCT
framr-3062	189	3	e.	e.	PROPN
framr-3062	189	4	,	,	PUNCT
framr-3062	189	5	muda	muda	PROPN
framr-3062	189	6	,	,	PUNCT
framr-3062	189	7	i.	i.	PROPN
framr-3062	189	8	,	,	PUNCT
framr-3062	189	9	&	&	CCONJ
framr-3062	189	10	nasir	nasir	PROPN
framr-3062	189	11	,	,	PUNCT
framr-3062	189	12	g.	g.	PROPN
framr-3062	189	13	m.	m.	PROPN
framr-3062	189	14	(	(	PUNCT
framr-3062	189	15	2016	2016	NUM
framr-3062	189	16	)	)	PUNCT
framr-3062	189	17	.	.	PUNCT
framr-3062	190	1	effects	effect	NOUN
framr-3062	190	2	of	of	ADP
framr-3062	190	3	capital	capital	NOUN
framr-3062	190	4	structure	structure	NOUN
framr-3062	190	5	and	and	CCONJ
framr-3062	190	6	profitability	profitability	NOUN
framr-3062	190	7	on	on	ADP
framr-3062	190	8	corporate	corporate	ADJ
framr-3062	190	9	value	value	NOUN
framr-3062	190	10	with	with	ADP
framr-3062	190	11	company	company	NOUN
framr-3062	190	12	size	size	NOUN
framr-3062	190	13	as	as	ADP
framr-3062	190	14	the	the	DET
framr-3062	190	15	moderating	moderate	VERB
framr-3062	190	16	variable	variable	NOUN
framr-3062	190	17	of	of	ADP
framr-3062	190	18	manufacturing	manufacture	VERB
framr-3062	190	19	companies	company	NOUN
framr-3062	190	20	listed	list	VERB
framr-3062	190	21	on	on	ADP
framr-3062	190	22	indonesia	indonesia	PROPN
framr-3062	190	23	stock	stock	PROPN
framr-3062	190	24	exchange	exchange	PROPN
framr-3062	190	25	.	.	PUNCT
framr-3062	191	1	academic	academic	ADJ
framr-3062	191	2	journal	journal	NOUN
framr-3062	191	3	of	of	ADP
framr-3062	191	4	economic	economic	ADJ
framr-3062	191	5	studies	study	NOUN
framr-3062	191	6	,	,	PUNCT
framr-3062	191	7	2(3	2(3	NUM
framr-3062	191	8	)	)	PUNCT
framr-3062	191	9	,	,	PUNCT
framr-3062	191	10	30	30	NUM
framr-3062	191	11	-	-	SYM
framr-3062	191	12	43	43	NUM
framr-3062	191	13	.	.	PUNCT
framr-3062	192	1	financial	financial	ADJ
framr-3062	192	2	risk	risk	NOUN
framr-3062	192	3	and	and	CCONJ
framr-3062	192	4	management	management	NOUN
framr-3062	192	5	reviews	review	NOUN
framr-3062	192	6	,	,	PUNCT
framr-3062	192	7	2022	2022	NUM
framr-3062	192	8	,	,	PUNCT
framr-3062	192	9	8(1	8(1	NOUN
framr-3062	192	10	):	):	PUNCT
framr-3062	192	11	20	20	NUM
framr-3062	192	12	-	-	SYM
framr-3062	192	13	26	26	NUM
framr-3062	192	14	26	26	NUM
framr-3062	192	15	©	©	PROPN
framr-3062	192	16	2022	2022	NUM
framr-3062	192	17	conscientia	conscientia	PROPN
framr-3062	192	18	beam	beam	PROPN
framr-3062	192	19	.	.	PUNCT
framr-3062	193	1	all	all	DET
framr-3062	193	2	rights	right	NOUN
framr-3062	193	3	reserved	reserve	VERB
framr-3062	193	4	.	.	PUNCT
framr-3062	194	1	mergaerts	mergaerts	PROPN
framr-3062	194	2	,	,	PUNCT
framr-3062	194	3	f.	f.	PROPN
framr-3062	194	4	,	,	PUNCT
framr-3062	194	5	&	&	CCONJ
framr-3062	194	6	vander	vander	PROPN
framr-3062	194	7	vennet	vennet	PROPN
framr-3062	194	8	,	,	PUNCT
framr-3062	194	9	r.	r.	PROPN
framr-3062	194	10	(	(	PUNCT
framr-3062	194	11	2016	2016	NUM
framr-3062	194	12	)	)	PUNCT
framr-3062	194	13	.	.	PUNCT
framr-3062	195	1	business	business	NOUN
framr-3062	195	2	models	model	NOUN
framr-3062	195	3	and	and	CCONJ
framr-3062	195	4	bank	bank	NOUN
framr-3062	195	5	performance	performance	NOUN
framr-3062	195	6	:	:	PUNCT
framr-3062	195	7	a	a	DET
framr-3062	195	8	long	long	ADJ
framr-3062	195	9	-	-	PUNCT
framr-3062	195	10	term	term	NOUN
framr-3062	195	11	perspective	perspective	NOUN
framr-3062	195	12	.	.	PUNCT
framr-3062	196	1	journal	journal	NOUN
framr-3062	196	2	of	of	ADP
framr-3062	196	3	financial	financial	ADJ
framr-3062	196	4	stability	stability	NOUN
framr-3062	196	5	,	,	PUNCT
framr-3062	196	6	22	22	NUM
framr-3062	196	7	,	,	PUNCT
framr-3062	196	8	57-75.available	57-75.available	ADJ
framr-3062	196	9	at	at	ADP
framr-3062	196	10	:	:	PUNCT
framr-3062	196	11	https://doi.org/10.1016/j.jfs.2015.12.002	https://doi.org/10.1016/j.jfs.2015.12.002	ADJ
framr-3062	196	12	.	.	PUNCT
framr-3062	197	1	nguyen	nguyen	NOUN
framr-3062	197	2	,	,	PUNCT
framr-3062	197	3	m.	m.	NOUN
framr-3062	197	4	,	,	PUNCT
framr-3062	197	5	skully	skully	ADV
framr-3062	197	6	,	,	PUNCT
framr-3062	197	7	m.	m.	NOUN
framr-3062	197	8	,	,	PUNCT
framr-3062	197	9	&	&	CCONJ
framr-3062	197	10	perera	perera	PROPN
framr-3062	197	11	,	,	PUNCT
framr-3062	197	12	s.	s.	PROPN
framr-3062	197	13	(	(	PUNCT
framr-3062	197	14	2012	2012	NUM
framr-3062	197	15	)	)	PUNCT
framr-3062	197	16	.	.	PUNCT
framr-3062	198	1	market	market	NOUN
framr-3062	198	2	power	power	NOUN
framr-3062	198	3	,	,	PUNCT
framr-3062	198	4	revenue	revenue	NOUN
framr-3062	198	5	diversification	diversification	NOUN
framr-3062	198	6	and	and	CCONJ
framr-3062	198	7	bank	bank	NOUN
framr-3062	198	8	stability	stability	NOUN
framr-3062	198	9	:	:	PUNCT
framr-3062	198	10	evidence	evidence	NOUN
framr-3062	198	11	from	from	ADP
framr-3062	198	12	selected	select	VERB
framr-3062	198	13	south	south	ADJ
framr-3062	198	14	asian	asian	ADJ
framr-3062	198	15	countries	country	NOUN
framr-3062	198	16	.	.	PUNCT
framr-3062	199	1	journal	journal	PROPN
framr-3062	199	2	of	of	ADP
framr-3062	199	3	international	international	ADJ
framr-3062	199	4	financial	financial	ADJ
framr-3062	199	5	markets	market	NOUN
framr-3062	199	6	,	,	PUNCT
framr-3062	199	7	institutions	institution	NOUN
framr-3062	199	8	and	and	CCONJ
framr-3062	199	9	money	money	NOUN
framr-3062	199	10	,	,	PUNCT
framr-3062	199	11	22(4	22(4	NUM
framr-3062	199	12	)	)	PUNCT
framr-3062	199	13	,	,	PUNCT
framr-3062	199	14	897-912.available	897-912.available	NUM
framr-3062	199	15	at	at	ADP
framr-3062	199	16	:	:	PUNCT
framr-3062	199	17	https://doi.org/10.1016/j.intfin.2012.05.008	https://doi.org/10.1016/j.intfin.2012.05.008	PROPN
framr-3062	199	18	.	.	PUNCT
framr-3062	200	1	nguyen	nguyen	NOUN
framr-3062	200	2	,	,	PUNCT
framr-3062	200	3	t.	t.	PROPN
framr-3062	200	4	t.	t.	PROPN
framr-3062	200	5	,	,	PUNCT
framr-3062	200	6	ho	ho	PROPN
framr-3062	200	7	,	,	PUNCT
framr-3062	200	8	h.	h.	PROPN
framr-3062	200	9	h.	h.	PROPN
framr-3062	200	10	,	,	PUNCT
framr-3062	200	11	van	van	PROPN
framr-3062	200	12	nguyen	nguyen	PROPN
framr-3062	200	13	,	,	PUNCT
framr-3062	200	14	d.	d.	PROPN
framr-3062	200	15	,	,	PUNCT
framr-3062	200	16	pham	pham	PROPN
framr-3062	200	17	,	,	PUNCT
framr-3062	200	18	a.	a.	PROPN
framr-3062	200	19	c.	c.	PROPN
framr-3062	200	20	,	,	PUNCT
framr-3062	200	21	&	&	CCONJ
framr-3062	200	22	nguyen	nguyen	PROPN
framr-3062	200	23	,	,	PUNCT
framr-3062	200	24	t.	t.	PROPN
framr-3062	200	25	t.	t.	PROPN
framr-3062	200	26	(	(	PUNCT
framr-3062	200	27	2021	2021	NUM
framr-3062	200	28	)	)	PUNCT
framr-3062	200	29	.	.	PUNCT
framr-3062	201	1	the	the	DET
framr-3062	201	2	effects	effect	NOUN
framr-3062	201	3	of	of	ADP
framr-3062	201	4	business	business	NOUN
framr-3062	201	5	model	model	NOUN
framr-3062	201	6	on	on	ADP
framr-3062	201	7	bank	bank	PROPN
framr-3062	201	8	’s	’s	PART
framr-3062	201	9	stability	stability	NOUN
framr-3062	201	10	.	.	PUNCT
framr-3062	202	1	international	international	ADJ
framr-3062	202	2	journal	journal	PROPN
framr-3062	202	3	of	of	ADP
framr-3062	202	4	financial	financial	ADJ
framr-3062	202	5	studies	study	NOUN
framr-3062	202	6	,	,	PUNCT
framr-3062	202	7	9(3	9(3	NUM
framr-3062	202	8	)	)	PUNCT
framr-3062	202	9	,	,	PUNCT
framr-3062	202	10	1-12.available	1-12.available	NUM
framr-3062	202	11	at	at	ADP
framr-3062	202	12	:	:	PUNCT
framr-3062	202	13	https://doi.org/10.3390/ijfs9030046	https://doi.org/10.3390/ijfs9030046	NOUN
framr-3062	202	14	.	.	PUNCT
framr-3062	203	1	osterwalder	osterwalder	NOUN
framr-3062	203	2	,	,	PUNCT
framr-3062	203	3	a.	a.	NOUN
framr-3062	203	4	,	,	PUNCT
framr-3062	203	5	pigneur	pigneur	PROPN
framr-3062	203	6	,	,	PUNCT
framr-3062	203	7	y.	y.	PROPN
framr-3062	203	8	,	,	PUNCT
framr-3062	203	9	&	&	CCONJ
framr-3062	203	10	tucci	tucci	PROPN
framr-3062	203	11	,	,	PUNCT
framr-3062	203	12	c.	c.	PROPN
framr-3062	203	13	l.	l.	PROPN
framr-3062	203	14	(	(	PUNCT
framr-3062	203	15	2005	2005	NUM
framr-3062	203	16	)	)	PUNCT
framr-3062	203	17	.	.	PUNCT
framr-3062	204	1	clarifying	clarify	VERB
framr-3062	204	2	business	business	NOUN
framr-3062	204	3	models	model	NOUN
framr-3062	204	4	:	:	PUNCT
framr-3062	204	5	origins	origin	NOUN
framr-3062	204	6	,	,	PUNCT
framr-3062	204	7	present	present	ADJ
framr-3062	204	8	,	,	PUNCT
framr-3062	204	9	and	and	CCONJ
framr-3062	204	10	future	future	NOUN
framr-3062	204	11	of	of	ADP
framr-3062	204	12	the	the	DET
framr-3062	204	13	concept	concept	NOUN
framr-3062	204	14	.	.	PUNCT
framr-3062	205	1	communications	communication	NOUN
framr-3062	205	2	of	of	ADP
framr-3062	205	3	the	the	DET
framr-3062	205	4	association	association	NOUN
framr-3062	205	5	for	for	ADP
framr-3062	205	6	information	information	NOUN
framr-3062	205	7	systems	system	NOUN
framr-3062	205	8	,	,	PUNCT
framr-3062	205	9	16(1	16(1	NUM
framr-3062	205	10	)	)	PUNCT
framr-3062	205	11	,	,	PUNCT
framr-3062	205	12	1.available	1.available	NUM
framr-3062	205	13	at	at	ADP
framr-3062	205	14	:	:	PUNCT
framr-3062	205	15	https://doi.org/10.17705/1cais.01601	https://doi.org/10.17705/1cais.01601	PROPN
framr-3062	205	16	.	.	PROPN
framr-3062	205	17	stubbs	stubbs	PROPN
framr-3062	205	18	,	,	PUNCT
framr-3062	205	19	w.	w.	PROPN
framr-3062	205	20	,	,	PUNCT
framr-3062	205	21	&	&	CCONJ
framr-3062	205	22	cocklin	cocklin	PROPN
framr-3062	205	23	,	,	PUNCT
framr-3062	205	24	c.	c.	PROPN
framr-3062	205	25	(	(	PUNCT
framr-3062	205	26	2008	2008	NUM
framr-3062	205	27	)	)	PUNCT
framr-3062	205	28	.	.	PUNCT
framr-3062	206	1	conceptualizing	conceptualize	VERB
framr-3062	206	2	a	a	DET
framr-3062	206	3	“	"	PUNCT
framr-3062	206	4	sustainability	sustainability	NOUN
framr-3062	206	5	business	business	NOUN
framr-3062	206	6	model	model	NOUN
framr-3062	206	7	”	"	PUNCT
framr-3062	206	8	.	.	PUNCT
framr-3062	207	1	organization	organization	NOUN
framr-3062	207	2	&	&	CCONJ
framr-3062	207	3	environment	environment	PROPN
framr-3062	207	4	,	,	PUNCT
framr-3062	207	5	21(2	21(2	NUM
framr-3062	207	6	)	)	PUNCT
framr-3062	207	7	,	,	PUNCT
framr-3062	207	8	103127.available	103127.available	ADJ
framr-3062	207	9	at	at	ADP
framr-3062	207	10	:	:	PUNCT
framr-3062	207	11	https://doi.org/10.1177/1086026608318042	https://doi.org/10.1177/1086026608318042	NOUN
framr-3062	207	12	.	.	PUNCT
framr-3062	208	1	trivedi	trivedi	PROPN
framr-3062	208	2	,	,	PUNCT
framr-3062	208	3	s.	s.	PROPN
framr-3062	208	4	r.	r.	PROPN
framr-3062	208	5	(	(	PUNCT
framr-3062	208	6	2015b	2015b	NUM
framr-3062	208	7	)	)	PUNCT
framr-3062	208	8	.	.	PUNCT
framr-3062	209	1	banking	banking	NOUN
framr-3062	209	2	innovations	innovation	NOUN
framr-3062	209	3	and	and	CCONJ
framr-3062	209	4	new	new	ADJ
framr-3062	209	5	income	income	NOUN
framr-3062	209	6	streams	stream	NOUN
framr-3062	209	7	:	:	PUNCT
framr-3062	209	8	impact	impact	NOUN
framr-3062	209	9	on	on	ADP
framr-3062	209	10	banks	bank	NOUN
framr-3062	209	11	’	'	PUNCT
framr-3062	209	12	performance	performance	NOUN
framr-3062	209	13	.	.	PUNCT
framr-3062	210	1	vikalpa	vikalpa	NOUN
framr-3062	210	2	,	,	PUNCT
framr-3062	210	3	40(1	40(1	PROPN
framr-3062	210	4	)	)	PUNCT
framr-3062	210	5	,	,	PUNCT
framr-3062	210	6	28	28	NUM
framr-3062	210	7	–	–	PUNCT
framr-3062	210	8	41.available	41.available	NUM
framr-3062	210	9	at	at	ADP
framr-3062	210	10	:	:	PUNCT
framr-3062	210	11	https://doi.org/10.1177/0256090915573616	https://doi.org/10.1177/0256090915573616	PROPN
framr-3062	210	12	.	.	PUNCT
framr-3062	211	1	williams	williams	PROPN
framr-3062	211	2	,	,	PUNCT
framr-3062	211	3	b.	b.	PROPN
framr-3062	211	4	,	,	PUNCT
framr-3062	211	5	&	&	CCONJ
framr-3062	211	6	prather	prather	PROPN
framr-3062	211	7	,	,	PUNCT
framr-3062	211	8	l.	l.	PROPN
framr-3062	211	9	(	(	PUNCT
framr-3062	211	10	2010	2010	NUM
framr-3062	211	11	)	)	PUNCT
framr-3062	211	12	.	.	PUNCT
framr-3062	212	1	bank	bank	NOUN
framr-3062	212	2	risk	risk	NOUN
framr-3062	212	3	and	and	CCONJ
framr-3062	212	4	return	return	NOUN
framr-3062	212	5	:	:	PUNCT
framr-3062	212	6	the	the	DET
framr-3062	212	7	impact	impact	NOUN
framr-3062	212	8	of	of	ADP
framr-3062	212	9	bank	bank	NOUN
framr-3062	212	10	non	non	ADJ
framr-3062	212	11	-	-	ADJ
framr-3062	212	12	interest	interest	ADJ
framr-3062	212	13	income	income	NOUN
framr-3062	212	14	.	.	PUNCT
framr-3062	213	1	international	international	ADJ
framr-3062	213	2	journal	journal	PROPN
framr-3062	213	3	of	of	ADP
framr-3062	213	4	managerial	managerial	ADJ
framr-3062	213	5	finance	finance	NOUN
framr-3062	213	6	,	,	PUNCT
framr-3062	213	7	6(3	6(3	NUM
framr-3062	213	8	)	)	PUNCT
framr-3062	213	9	,	,	PUNCT
framr-3062	213	10	220–244.available	220–244.available	NUM
framr-3062	213	11	at	at	ADP
framr-3062	213	12	:	:	PUNCT
framr-3062	213	13	https://doi.org/10.1108/17439131011056233	https://doi.org/10.1108/17439131011056233	NOUN
framr-3062	213	14	.	.	PUNCT
framr-3062	214	1	yip	yip	PROPN
framr-3062	214	2	,	,	PUNCT
framr-3062	214	3	a.	a.	PROPN
framr-3062	214	4	w.	w.	PROPN
framr-3062	214	5	,	,	PUNCT
framr-3062	214	6	&	&	CCONJ
framr-3062	214	7	bocken	bocken	PROPN
framr-3062	214	8	,	,	PUNCT
framr-3062	214	9	n.	n.	PROPN
framr-3062	214	10	m.	m.	NOUN
framr-3062	214	11	(	(	PUNCT
framr-3062	214	12	2018	2018	NUM
framr-3062	214	13	)	)	PUNCT
framr-3062	214	14	.	.	PUNCT
framr-3062	215	1	sustainable	sustainable	ADJ
framr-3062	215	2	business	business	NOUN
framr-3062	215	3	model	model	NOUN
framr-3062	215	4	archetypes	archetype	NOUN
framr-3062	215	5	for	for	ADP
framr-3062	215	6	the	the	DET
framr-3062	215	7	banking	banking	NOUN
framr-3062	215	8	industry	industry	NOUN
framr-3062	215	9	.	.	PUNCT
framr-3062	216	1	journal	journal	NOUN
framr-3062	216	2	of	of	ADP
framr-3062	216	3	cleaner	clean	ADJ
framr-3062	216	4	production	production	NOUN
framr-3062	216	5	,	,	PUNCT
framr-3062	216	6	174	174	NUM
framr-3062	216	7	,	,	PUNCT
framr-3062	216	8	150-169.available	150-169.available	NUM
framr-3062	216	9	at	at	ADP
framr-3062	216	10	:	:	PUNCT
framr-3062	216	11	https://doi.org/10.1016/j.jclepro.2017.10.190	https://doi.org/10.1016/j.jclepro.2017.10.190	ADJ
framr-3062	216	12	.	.	PUNCT
framr-3062	217	1	views	view	NOUN
framr-3062	217	2	and	and	CCONJ
framr-3062	217	3	opinions	opinion	NOUN
framr-3062	217	4	expressed	express	VERB
framr-3062	217	5	in	in	ADP
framr-3062	217	6	this	this	DET
framr-3062	217	7	article	article	NOUN
framr-3062	217	8	are	be	AUX
framr-3062	217	9	the	the	DET
framr-3062	217	10	views	view	NOUN
framr-3062	217	11	and	and	CCONJ
framr-3062	217	12	opinions	opinion	NOUN
framr-3062	217	13	of	of	ADP
framr-3062	217	14	the	the	DET
framr-3062	217	15	author(s	author(s	NOUN
framr-3062	217	16	)	)	PUNCT
framr-3062	217	17	,	,	PUNCT
framr-3062	217	18	financial	financial	ADJ
framr-3062	217	19	risk	risk	NOUN
framr-3062	217	20	and	and	CCONJ
framr-3062	217	21	management	management	NOUN
framr-3062	217	22	reviews	review	NOUN
framr-3062	217	23	shall	shall	AUX
framr-3062	217	24	not	not	PART
framr-3062	217	25	be	be	AUX
framr-3062	217	26	responsible	responsible	ADJ
framr-3062	217	27	or	or	CCONJ
framr-3062	217	28	answerable	answerable	ADJ
framr-3062	217	29	for	for	ADP
framr-3062	217	30	any	any	DET
framr-3062	217	31	loss	loss	NOUN
framr-3062	217	32	,	,	PUNCT
framr-3062	217	33	damage	damage	NOUN
framr-3062	217	34	or	or	CCONJ
framr-3062	217	35	liability	liability	NOUN
framr-3062	217	36	etc	etc	X
framr-3062	217	37	.	.	X
framr-3062	217	38	caused	cause	VERB
framr-3062	217	39	in	in	ADP
framr-3062	217	40	relation	relation	NOUN
framr-3062	217	41	to	to	PART
framr-3062	217	42	/	/	PUNCT
framr-3062	217	43	arising	arise	VERB
framr-3062	217	44	out	out	ADP
framr-3062	217	45	of	of	ADP
framr-3062	217	46	the	the	DET
framr-3062	217	47	use	use	NOUN
framr-3062	217	48	of	of	ADP
framr-3062	217	49	the	the	DET
framr-3062	217	50	content	content	NOUN
framr-3062	217	51	.	.	PUNCT