id	sid	tid	token	lemma	pos
gujaf-141	1	1	i	i	PRON
gujaf-141	1	2	gusau	gusau	PROPN
gujaf-141	1	3	journal	journal	NOUN
gujaf-141	1	4	of	of	ADP
gujaf-141	1	5	accounting	accounting	NOUN
gujaf-141	1	6	and	and	CCONJ
gujaf-141	1	7	finance	finance	NOUN
gujaf-141	1	8	(	(	PUNCT
gujaf-141	1	9	gujaf	gujaf	NOUN
gujaf-141	1	10	)	)	PUNCT
gujaf-141	1	11	vol	vol	NOUN
gujaf-141	1	12	.	.	NOUN
gujaf-141	1	13	3	3	NUM
gujaf-141	1	14	issue	issue	NOUN
gujaf-141	1	15	2	2	NUM
gujaf-141	1	16	,	,	PUNCT
gujaf-141	1	17	april	april	PROPN
gujaf-141	1	18	,	,	PUNCT
gujaf-141	1	19	2022	2022	NUM
gujaf-141	1	20	issn	issn	NOUN
gujaf-141	1	21	:	:	PUNCT
gujaf-141	1	22	2756	2756	NUM
gujaf-141	1	23	-	-	PUNCT
gujaf-141	1	24	665x	665x	NOUN
gujaf-141	1	25	a	a	DET
gujaf-141	1	26	publication	publication	NOUN
gujaf-141	1	27	of	of	ADP
gujaf-141	1	28	department	department	NOUN
gujaf-141	1	29	of	of	ADP
gujaf-141	1	30	accounting	accounting	NOUN
gujaf-141	1	31	and	and	CCONJ
gujaf-141	1	32	finance	finance	NOUN
gujaf-141	1	33	,	,	PUNCT
gujaf-141	1	34	faculty	faculty	NOUN
gujaf-141	1	35	of	of	ADP
gujaf-141	1	36	management	management	NOUN
gujaf-141	1	37	and	and	CCONJ
gujaf-141	1	38	social	social	ADJ
gujaf-141	1	39	sciences	science	NOUN
gujaf-141	1	40	,	,	PUNCT
gujaf-141	1	41	federal	federal	ADJ
gujaf-141	1	42	university	university	NOUN
gujaf-141	1	43	gusau	gusau	NOUN
gujaf-141	1	44	,	,	PUNCT
gujaf-141	1	45	zamfara	zamfara	PROPN
gujaf-141	1	46	state	state	PROPN
gujaf-141	1	47	-nigeria	-nigeria	PROPN
gujaf-141	1	48	1	1	NUM
gujaf-141	1	49	firms	firm	NOUN
gujaf-141	1	50	attributes	attribute	VERB
gujaf-141	1	51	and	and	CCONJ
gujaf-141	1	52	financial	financial	ADJ
gujaf-141	1	53	performance	performance	NOUN
gujaf-141	1	54	on	on	ADP
gujaf-141	1	55	listed	list	VERB
gujaf-141	1	56	deposit	deposit	NOUN
gujaf-141	1	57	money	money	NOUN
gujaf-141	1	58	banks	bank	NOUN
gujaf-141	1	59	in	in	ADP
gujaf-141	1	60	nigeria	nigeria	PROPN
gujaf-141	1	61	ismaila	ismaila	PROPN
gujaf-141	1	62	abubakar	abubakar	PROPN
gujaf-141	1	63	department	department	PROPN
gujaf-141	1	64	of	of	ADP
gujaf-141	1	65	accounting	accounting	PROPN
gujaf-141	1	66	kaduna	kaduna	PROPN
gujaf-141	1	67	state	state	PROPN
gujaf-141	1	68	university	university	PROPN
gujaf-141	1	69	,	,	PUNCT
gujaf-141	1	70	kaduna	kaduna	PROPN
gujaf-141	1	71	nigeria	nigeria	PROPN
gujaf-141	1	72	+2348036202601	+2348036202601	PROPN
gujaf-141	1	73	,	,	PUNCT
gujaf-141	1	74	abubakarismaila90@yahoo.com	abubakarismaila90@yahoo.com	PROPN
gujaf-141	1	75	nuraddeen	nuraddeen	PROPN
gujaf-141	1	76	usman	usman	PROPN
gujaf-141	1	77	miko	miko	PROPN
gujaf-141	1	78	,	,	PUNCT
gujaf-141	1	79	phd	phd	PROPN
gujaf-141	1	80	department	department	PROPN
gujaf-141	1	81	of	of	ADP
gujaf-141	1	82	accounting	accounting	PROPN
gujaf-141	1	83	kaduna	kaduna	PROPN
gujaf-141	1	84	state	state	PROPN
gujaf-141	1	85	university	university	PROPN
gujaf-141	1	86	,	,	PUNCT
gujaf-141	1	87	kaduna	kaduna	PROPN
gujaf-141	1	88	nigeria	nigeria	PROPN
gujaf-141	1	89	+2348036691170	+2348036691170	PROPN
gujaf-141	1	90	,	,	PUNCT
gujaf-141	1	91	nuraumiko@gmail.com	nuraumiko@gmail.com	PROPN
gujaf-141	1	92	murtala	murtala	PROPN
gujaf-141	1	93	abdullahi	abdullahi	PROPN
gujaf-141	1	94	,	,	PUNCT
gujaf-141	1	95	phd	phd	PROPN
gujaf-141	1	96	department	department	PROPN
gujaf-141	1	97	of	of	ADP
gujaf-141	1	98	accounting	accounting	PROPN
gujaf-141	1	99	kaduna	kaduna	PROPN
gujaf-141	1	100	state	state	PROPN
gujaf-141	1	101	university	university	PROPN
gujaf-141	1	102	,	,	PUNCT
gujaf-141	1	103	kaduna	kaduna	PROPN
gujaf-141	1	104	nigeria	nigeria	PROPN
gujaf-141	1	105	+2348069179552	+2348069179552	ADV
gujaf-141	1	106	,	,	PUNCT
gujaf-141	1	107	murtala.abdullahi@kasu.edu.ng	murtala.abdullahi@kasu.edu.ng	ADV
gujaf-141	1	108	abstract	abstract	ADV
gujaf-141	1	109	examining	examine	VERB
gujaf-141	1	110	the	the	DET
gujaf-141	1	111	effect	effect	NOUN
gujaf-141	1	112	of	of	ADP
gujaf-141	1	113	the	the	DET
gujaf-141	1	114	financial	financial	ADJ
gujaf-141	1	115	performance	performance	NOUN
gujaf-141	1	116	of	of	ADP
gujaf-141	1	117	organizations	organization	NOUN
gujaf-141	1	118	has	have	AUX
gujaf-141	1	119	gained	gain	VERB
gujaf-141	1	120	importance	importance	NOUN
gujaf-141	1	121	in	in	ADP
gujaf-141	1	122	the	the	DET
gujaf-141	1	123	wholesale	wholesale	ADJ
gujaf-141	1	124	refinance	refinance	NOUN
gujaf-141	1	125	literature	literature	NOUN
gujaf-141	1	126	;	;	PUNCT
gujaf-141	1	127	however	however	ADV
gujaf-141	1	128	,	,	PUNCT
gujaf-141	1	129	the	the	DET
gujaf-141	1	130	study	study	NOUN
gujaf-141	1	131	investigated	investigate	VERB
gujaf-141	1	132	determinants	determinant	NOUN
gujaf-141	1	133	of	of	ADP
gujaf-141	1	134	financial	financial	ADJ
gujaf-141	1	135	performance	performance	NOUN
gujaf-141	1	136	of	of	ADP
gujaf-141	1	137	listed	list	VERB
gujaf-141	1	138	dmbs	dmb	NOUN
gujaf-141	1	139	in	in	ADP
gujaf-141	1	140	nigeria	nigeria	PROPN
gujaf-141	1	141	for	for	ADP
gujaf-141	1	142	ten	ten	NUM
gujaf-141	1	143	years	year	NOUN
gujaf-141	1	144	from	from	ADP
gujaf-141	1	145	2011	2011	NUM
gujaf-141	1	146	-	-	SYM
gujaf-141	1	147	2020	2020	NUM
gujaf-141	1	148	.	.	PUNCT
gujaf-141	2	1	the	the	DET
gujaf-141	2	2	study	study	NOUN
gujaf-141	2	3	adopts	adopt	VERB
gujaf-141	2	4	the	the	DET
gujaf-141	2	5	correlation	correlation	NOUN
gujaf-141	2	6	design	design	NOUN
gujaf-141	2	7	so	so	SCONJ
gujaf-141	2	8	that	that	PRON
gujaf-141	2	9	to	to	PART
gujaf-141	2	10	correlate	correlate	VERB
gujaf-141	2	11	the	the	DET
gujaf-141	2	12	relationship	relationship	NOUN
gujaf-141	2	13	between	between	ADP
gujaf-141	2	14	variables	variable	NOUN
gujaf-141	2	15	.	.	PUNCT
gujaf-141	3	1	the	the	DET
gujaf-141	3	2	population	population	NOUN
gujaf-141	3	3	of	of	ADP
gujaf-141	3	4	this	this	DET
gujaf-141	3	5	study	study	NOUN
gujaf-141	3	6	comprises	comprise	VERB
gujaf-141	3	7	the	the	DET
gujaf-141	3	8	seventeen	seventeen	NUM
gujaf-141	3	9	listed	list	VERB
gujaf-141	3	10	deposit	deposit	NOUN
gujaf-141	3	11	money	money	NOUN
gujaf-141	3	12	banks	bank	NOUN
gujaf-141	3	13	in	in	ADP
gujaf-141	3	14	nigeria	nigeria	PROPN
gujaf-141	3	15	as	as	ADP
gujaf-141	3	16	at	at	ADP
gujaf-141	3	17	31	31	NUM
gujaf-141	3	18	december	december	PROPN
gujaf-141	3	19	,	,	PUNCT
gujaf-141	3	20	2020	2020	NUM
gujaf-141	3	21	.	.	PUNCT
gujaf-141	4	1	a	a	DET
gujaf-141	4	2	total	total	NOUN
gujaf-141	4	3	of	of	ADP
gujaf-141	4	4	thirteen	thirteen	NUM
gujaf-141	4	5	which	which	PRON
gujaf-141	4	6	represent	represent	VERB
gujaf-141	4	7	seventy	seventy	NUM
gujaf-141	4	8	-	-	PUNCT
gujaf-141	4	9	seven	seven	NUM
gujaf-141	4	10	percent	percent	NOUN
gujaf-141	4	11	of	of	ADP
gujaf-141	4	12	the	the	DET
gujaf-141	4	13	banks	bank	NOUN
gujaf-141	4	14	were	be	AUX
gujaf-141	4	15	duly	duly	ADV
gujaf-141	4	16	used	use	VERB
gujaf-141	4	17	as	as	ADP
gujaf-141	4	18	sample	sample	NOUN
gujaf-141	4	19	for	for	ADP
gujaf-141	4	20	the	the	DET
gujaf-141	4	21	study	study	NOUN
gujaf-141	4	22	.	.	PUNCT
gujaf-141	5	1	the	the	DET
gujaf-141	5	2	audited	audit	VERB
gujaf-141	5	3	annual	annual	ADJ
gujaf-141	5	4	reports	report	NOUN
gujaf-141	5	5	were	be	AUX
gujaf-141	5	6	obtained	obtain	VERB
gujaf-141	5	7	from	from	ADP
gujaf-141	5	8	nigerian	nigerian	ADJ
gujaf-141	5	9	stock	stock	NOUN
gujaf-141	5	10	exchange	exchange	NOUN
gujaf-141	5	11	.	.	PUNCT
gujaf-141	6	1	the	the	DET
gujaf-141	6	2	result	result	NOUN
gujaf-141	6	3	provides	provide	VERB
gujaf-141	6	4	evidence	evidence	NOUN
gujaf-141	6	5	bank	bank	NOUN
gujaf-141	6	6	size	size	NOUN
gujaf-141	6	7	,	,	PUNCT
gujaf-141	6	8	capital	capital	NOUN
gujaf-141	6	9	adequacy	adequacy	NOUN
gujaf-141	6	10	ratio	ratio	NOUN
gujaf-141	6	11	and	and	CCONJ
gujaf-141	6	12	income	income	NOUN
gujaf-141	6	13	diversification	diversification	NOUN
gujaf-141	6	14	have	have	VERB
gujaf-141	6	15	insignificant	insignificant	ADJ
gujaf-141	6	16	impact	impact	NOUN
gujaf-141	6	17	return	return	NOUN
gujaf-141	6	18	on	on	ADP
gujaf-141	6	19	assets	asset	NOUN
gujaf-141	6	20	of	of	ADP
gujaf-141	6	21	the	the	DET
gujaf-141	6	22	banks	bank	NOUN
gujaf-141	6	23	.	.	PUNCT
gujaf-141	7	1	in	in	ADP
gujaf-141	7	2	the	the	DET
gujaf-141	7	3	determining	determine	VERB
gujaf-141	7	4	the	the	DET
gujaf-141	7	5	effects	effect	NOUN
gujaf-141	7	6	of	of	ADP
gujaf-141	7	7	moderating	moderate	VERB
gujaf-141	7	8	impact	impact	NOUN
gujaf-141	7	9	on	on	ADP
gujaf-141	7	10	firm	firm	ADJ
gujaf-141	7	11	age	age	NOUN
gujaf-141	7	12	is	be	AUX
gujaf-141	7	13	that	that	SCONJ
gujaf-141	7	14	capital	capital	NOUN
gujaf-141	7	15	adequacy	adequacy	NOUN
gujaf-141	7	16	ratio	ratio	NOUN
gujaf-141	7	17	,	,	PUNCT
gujaf-141	7	18	bank	bank	NOUN
gujaf-141	7	19	size	size	NOUN
gujaf-141	7	20	,	,	PUNCT
gujaf-141	7	21	income	income	NOUN
gujaf-141	7	22	diversification	diversification	NOUN
gujaf-141	7	23	has	have	VERB
gujaf-141	7	24	a	a	DET
gujaf-141	7	25	statistically	statistically	ADV
gujaf-141	7	26	insignificant	insignificant	ADJ
gujaf-141	7	27	influence	influence	NOUN
gujaf-141	7	28	on	on	ADP
gujaf-141	7	29	the	the	DET
gujaf-141	7	30	return	return	NOUN
gujaf-141	7	31	on	on	ADP
gujaf-141	7	32	assets	asset	NOUN
gujaf-141	7	33	of	of	ADP
gujaf-141	7	34	listed	list	VERB
gujaf-141	7	35	deposit	deposit	NOUN
gujaf-141	7	36	money	money	NOUN
gujaf-141	7	37	banks	bank	NOUN
gujaf-141	7	38	in	in	ADP
gujaf-141	7	39	nigeria	nigeria	PROPN
gujaf-141	7	40	.	.	PUNCT
gujaf-141	8	1	based	base	VERB
gujaf-141	8	2	on	on	ADP
gujaf-141	8	3	the	the	DET
gujaf-141	8	4	findings	finding	NOUN
gujaf-141	8	5	,	,	PUNCT
gujaf-141	8	6	the	the	DET
gujaf-141	8	7	bank	bank	NOUN
gujaf-141	8	8	management	management	NOUN
gujaf-141	8	9	should	should	AUX
gujaf-141	8	10	also	also	ADV
gujaf-141	8	11	continue	continue	VERB
gujaf-141	8	12	to	to	PART
gujaf-141	8	13	put	put	VERB
gujaf-141	8	14	policies	policy	NOUN
gujaf-141	8	15	and	and	CCONJ
gujaf-141	8	16	strategies	strategy	NOUN
gujaf-141	8	17	in	in	ADP
gujaf-141	8	18	place	place	NOUN
gujaf-141	8	19	to	to	PART
gujaf-141	8	20	ensure	ensure	VERB
gujaf-141	8	21	effective	effective	ADJ
gujaf-141	8	22	management	management	NOUN
gujaf-141	8	23	of	of	ADP
gujaf-141	8	24	bank	bank	NOUN
gujaf-141	8	25	size	size	NOUN
gujaf-141	8	26	and	and	CCONJ
gujaf-141	8	27	efficiency	efficiency	NOUN
gujaf-141	8	28	for	for	ADP
gujaf-141	8	29	increased	increase	VERB
gujaf-141	8	30	profitability	profitability	NOUN
gujaf-141	8	31	,	,	PUNCT
gujaf-141	8	32	on	on	ADP
gujaf-141	8	33	the	the	DET
gujaf-141	8	34	other	other	ADJ
gujaf-141	8	35	part	part	NOUN
gujaf-141	8	36	,	,	PUNCT
gujaf-141	8	37	shareholders	shareholder	NOUN
gujaf-141	8	38	should	should	AUX
gujaf-141	8	39	ensure	ensure	VERB
gujaf-141	8	40	management	management	NOUN
gujaf-141	8	41	is	be	AUX
gujaf-141	8	42	properly	properly	ADV
gujaf-141	8	43	diversified	diversify	VERB
gujaf-141	8	44	the	the	DET
gujaf-141	8	45	banks	bank	NOUN
gujaf-141	8	46	’	’	PART
gujaf-141	8	47	income	income	NOUN
gujaf-141	8	48	in	in	ADP
gujaf-141	8	49	a	a	DET
gujaf-141	8	50	way	way	NOUN
gujaf-141	8	51	that	that	PRON
gujaf-141	8	52	would	would	AUX
gujaf-141	8	53	yield	yield	VERB
gujaf-141	8	54	more	more	ADJ
gujaf-141	8	55	revenue	revenue	NOUN
gujaf-141	8	56	and	and	CCONJ
gujaf-141	8	57	ensure	ensure	VERB
gujaf-141	8	58	short	short	ADJ
gujaf-141	8	59	term	term	NOUN
gujaf-141	8	60	cash	cash	NOUN
gujaf-141	8	61	should	should	AUX
gujaf-141	8	62	not	not	PART
gujaf-141	8	63	be	be	AUX
gujaf-141	8	64	channeled	channel	VERB
gujaf-141	8	65	to	to	ADP
gujaf-141	8	66	capital	capital	NOUN
gujaf-141	8	67	investment	investment	NOUN
gujaf-141	8	68	.	.	PUNCT
gujaf-141	9	1	keywords	keyword	NOUN
gujaf-141	9	2	:	:	PUNCT
gujaf-141	9	3	bank	bank	NOUN
gujaf-141	9	4	age	age	NOUN
gujaf-141	9	5	,	,	PUNCT
gujaf-141	9	6	bank	bank	NOUN
gujaf-141	9	7	size	size	NOUN
gujaf-141	9	8	,	,	PUNCT
gujaf-141	9	9	capital	capital	NOUN
gujaf-141	9	10	adequacy	adequacy	NOUN
gujaf-141	9	11	ratio	ratio	NOUN
gujaf-141	9	12	,	,	PUNCT
gujaf-141	9	13	deposit	deposit	NOUN
gujaf-141	9	14	money	money	NOUN
gujaf-141	9	15	banks	bank	NOUN
gujaf-141	9	16	,	,	PUNCT
gujaf-141	9	17	income	income	NOUN
gujaf-141	9	18	diversification	diversification	NOUN
gujaf-141	9	19	.	.	PUNCT
gujaf-141	10	1	1	1	X
gujaf-141	10	2	.	.	X
gujaf-141	10	3	introduction	introduction	NOUN
gujaf-141	10	4	financial	financial	ADJ
gujaf-141	10	5	performance	performance	NOUN
gujaf-141	10	6	plays	play	VERB
gujaf-141	10	7	a	a	DET
gujaf-141	10	8	high	high	ADJ
gujaf-141	10	9	level	level	NOUN
gujaf-141	10	10	affair	affair	NOUN
gujaf-141	10	11	in	in	ADP
gujaf-141	10	12	economic	economic	ADJ
gujaf-141	10	13	resources	resource	NOUN
gujaf-141	10	14	distribution	distribution	NOUN
gujaf-141	10	15	of	of	ADP
gujaf-141	10	16	any	any	DET
gujaf-141	10	17	nations	nation	NOUN
gujaf-141	10	18	.	.	PUNCT
gujaf-141	11	1	financial	financial	ADJ
gujaf-141	11	2	performance	performance	NOUN
gujaf-141	11	3	has	have	VERB
gujaf-141	11	4	implication	implication	NOUN
gujaf-141	11	5	in	in	ADP
gujaf-141	11	6	terms	term	NOUN
gujaf-141	11	7	of	of	ADP
gujaf-141	11	8	economic	economic	ADJ
gujaf-141	11	9	growth	growth	NOUN
gujaf-141	11	10	of	of	ADP
gujaf-141	11	11	any	any	DET
gujaf-141	11	12	nations	nation	NOUN
gujaf-141	11	13	;	;	PUNCT
gujaf-141	11	14	great	great	ADJ
gujaf-141	11	15	financial	financial	ADJ
gujaf-141	11	16	performance	performance	NOUN
gujaf-141	11	17	will	will	AUX
gujaf-141	11	18	attract	attract	VERB
gujaf-141	11	19	more	more	ADJ
gujaf-141	11	20	investors	investor	NOUN
gujaf-141	11	21	while	while	SCONJ
gujaf-141	11	22	poor	poor	ADJ
gujaf-141	11	23	financial	financial	ADJ
gujaf-141	11	24	performance	performance	NOUN
gujaf-141	11	25	will	will	AUX
gujaf-141	11	26	discourage	discourage	VERB
gujaf-141	11	27	investors	investor	NOUN
gujaf-141	11	28	,	,	PUNCT
gujaf-141	11	29	from	from	ADP
gujaf-141	11	30	investment	investment	NOUN
gujaf-141	11	31	which	which	PRON
gujaf-141	11	32	lead	lead	VERB
gujaf-141	11	33	to	to	ADP
gujaf-141	11	34	mailto:abubakarismaila90@yahoo.com	mailto:abubakarismaila90@yahoo.com	PROPN
gujaf-141	11	35	mailto:nuraumiko@gmail.com	mailto:nuraumiko@gmail.com	PROPN
gujaf-141	11	36	2	2	NUM
gujaf-141	11	37	financial	financial	ADJ
gujaf-141	11	38	failure	failure	NOUN
gujaf-141	11	39	and	and	CCONJ
gujaf-141	11	40	crisis	crisis	NOUN
gujaf-141	11	41	,	,	PUNCT
gujaf-141	11	42	this	this	PRON
gujaf-141	11	43	can	can	AUX
gujaf-141	11	44	affect	affect	VERB
gujaf-141	11	45	economic	economic	ADJ
gujaf-141	11	46	growth	growth	NOUN
gujaf-141	11	47	of	of	ADP
gujaf-141	11	48	a	a	DET
gujaf-141	11	49	country	country	NOUN
gujaf-141	11	50	(	(	PUNCT
gujaf-141	11	51	mark	mark	PROPN
gujaf-141	11	52	et	et	PROPN
gujaf-141	11	53	al	al	PROPN
gujaf-141	11	54	.	.	PROPN
gujaf-141	11	55	,	,	PUNCT
gujaf-141	11	56	2019	2019	NUM
gujaf-141	11	57	)	)	PUNCT
gujaf-141	11	58	.	.	PUNCT
gujaf-141	12	1	according	accord	VERB
gujaf-141	12	2	to	to	ADP
gujaf-141	12	3	oladipupo	oladipupo	NOUN
gujaf-141	12	4	(	(	PUNCT
gujaf-141	12	5	2015	2015	NUM
gujaf-141	12	6	)	)	PUNCT
gujaf-141	12	7	profitability	profitability	NOUN
gujaf-141	12	8	has	have	VERB
gujaf-141	12	9	an	an	DET
gujaf-141	12	10	aims	aim	NOUN
gujaf-141	12	11	of	of	ADP
gujaf-141	12	12	financial	financial	ADJ
gujaf-141	12	13	direction	direction	NOUN
gujaf-141	12	14	,	,	PUNCT
gujaf-141	12	15	as	as	ADV
gujaf-141	12	16	long	long	ADV
gujaf-141	12	17	as	as	SCONJ
gujaf-141	12	18	the	the	DET
gujaf-141	12	19	aims	aim	NOUN
gujaf-141	12	20	of	of	ADP
gujaf-141	12	21	financial	financial	ADJ
gujaf-141	12	22	direction	direction	NOUN
gujaf-141	12	23	is	be	AUX
gujaf-141	12	24	to	to	PART
gujaf-141	12	25	generate	generate	VERB
gujaf-141	12	26	owners	owner	NOUN
gujaf-141	12	27	’	'	PUNCT
gujaf-141	12	28	wealth	wealth	NOUN
gujaf-141	12	29	,	,	PUNCT
gujaf-141	12	30	profit	profit	NOUN
gujaf-141	12	31	is	be	AUX
gujaf-141	12	32	one	one	NUM
gujaf-141	12	33	of	of	ADP
gujaf-141	12	34	the	the	DET
gujaf-141	12	35	determinants	determinant	NOUN
gujaf-141	12	36	financial	financial	ADJ
gujaf-141	12	37	performance	performance	NOUN
gujaf-141	12	38	.	.	PUNCT
gujaf-141	13	1	the	the	DET
gujaf-141	13	2	aims	aim	NOUN
gujaf-141	13	3	of	of	ADP
gujaf-141	13	4	any	any	DET
gujaf-141	13	5	business	business	NOUN
gujaf-141	13	6	are	be	AUX
gujaf-141	13	7	to	to	PART
gujaf-141	13	8	make	make	VERB
gujaf-141	13	9	profit	profit	NOUN
gujaf-141	13	10	;	;	PUNCT
gujaf-141	13	11	profitable	profitable	ADJ
gujaf-141	13	12	businesses	business	NOUN
gujaf-141	13	13	are	be	AUX
gujaf-141	13	14	capable	capable	ADJ
gujaf-141	13	15	to	to	PART
gujaf-141	13	16	award	award	VERB
gujaf-141	13	17	its	its	PRON
gujaf-141	13	18	owners	owner	NOUN
gujaf-141	13	19	with	with	ADP
gujaf-141	13	20	a	a	DET
gujaf-141	13	21	highly	highly	ADV
gujaf-141	13	22	roi	roi	NOUN
gujaf-141	13	23	and	and	CCONJ
gujaf-141	13	24	also	also	ADV
gujaf-141	13	25	make	make	VERB
gujaf-141	13	26	sure	sure	ADJ
gujaf-141	13	27	that	that	SCONJ
gujaf-141	13	28	there	there	PRON
gujaf-141	13	29	rises	rise	VERB
gujaf-141	13	30	sustainability	sustainability	NOUN
gujaf-141	13	31	of	of	ADP
gujaf-141	13	32	a	a	DET
gujaf-141	13	33	business	business	NOUN
gujaf-141	13	34	.	.	PUNCT
gujaf-141	14	1	according	accord	VERB
gujaf-141	14	2	to	to	ADP
gujaf-141	14	3	oyinpreye	oyinpreye	NOUN
gujaf-141	14	4	(	(	PUNCT
gujaf-141	14	5	2016	2016	NUM
gujaf-141	14	6	)	)	PUNCT
gujaf-141	14	7	,	,	PUNCT
gujaf-141	14	8	the	the	DET
gujaf-141	14	9	power	power	NOUN
gujaf-141	14	10	of	of	ADP
gujaf-141	14	11	any	any	DET
gujaf-141	14	12	bank	bank	NOUN
gujaf-141	14	13	depends	depend	VERB
gujaf-141	14	14	on	on	ADP
gujaf-141	14	15	the	the	DET
gujaf-141	14	16	capital	capital	NOUN
gujaf-141	14	17	adequacy	adequacy	NOUN
gujaf-141	14	18	.	.	PUNCT
gujaf-141	15	1	a	a	DET
gujaf-141	15	2	bank	bank	NOUN
gujaf-141	15	3	’s	’s	PART
gujaf-141	15	4	capital	capital	NOUN
gujaf-141	15	5	is	be	AUX
gujaf-141	15	6	the	the	DET
gujaf-141	15	7	detachment	detachment	NOUN
gujaf-141	15	8	value	value	NOUN
gujaf-141	15	9	of	of	ADP
gujaf-141	15	10	a	a	DET
gujaf-141	15	11	bank	bank	NOUN
gujaf-141	15	12	to	to	ADP
gujaf-141	15	13	the	the	DET
gujaf-141	15	14	current	current	ADJ
gujaf-141	15	15	value	value	NOUN
gujaf-141	15	16	of	of	ADP
gujaf-141	15	17	its	its	PRON
gujaf-141	15	18	future	future	ADJ
gujaf-141	15	19	net	net	ADJ
gujaf-141	15	20	income	income	NOUN
gujaf-141	15	21	.	.	PUNCT
gujaf-141	16	1	capital	capital	NOUN
gujaf-141	16	2	adequacy	adequacy	NOUN
gujaf-141	16	3	measure	measure	VERB
gujaf-141	16	4	the	the	DET
gujaf-141	16	5	level	level	NOUN
gujaf-141	16	6	of	of	ADP
gujaf-141	16	7	solvency	solvency	NOUN
gujaf-141	16	8	for	for	ADP
gujaf-141	16	9	the	the	DET
gujaf-141	16	10	bank	bank	NOUN
gujaf-141	16	11	,	,	PUNCT
gujaf-141	16	12	it	it	PRON
gujaf-141	16	13	indicates	indicate	VERB
gujaf-141	16	14	whether	whether	SCONJ
gujaf-141	16	15	a	a	DET
gujaf-141	16	16	bank	bank	NOUN
gujaf-141	16	17	has	have	VERB
gujaf-141	16	18	absolute	absolute	ADJ
gujaf-141	16	19	capital	capital	NOUN
gujaf-141	16	20	to	to	PART
gujaf-141	16	21	help	help	VERB
gujaf-141	16	22	the	the	DET
gujaf-141	16	23	danger	danger	NOUN
gujaf-141	16	24	in	in	ADP
gujaf-141	16	25	its	its	PRON
gujaf-141	16	26	balance	balance	NOUN
gujaf-141	16	27	sheet	sheet	NOUN
gujaf-141	16	28	.	.	PUNCT
gujaf-141	17	1	a	a	DET
gujaf-141	17	2	larger	large	ADJ
gujaf-141	17	3	bank	bank	NOUN
gujaf-141	17	4	are	be	AUX
gujaf-141	17	5	always	always	ADV
gujaf-141	17	6	has	have	VERB
gujaf-141	17	7	advantage	advantage	NOUN
gujaf-141	17	8	over	over	ADP
gujaf-141	17	9	little	little	ADJ
gujaf-141	17	10	banks	bank	NOUN
gujaf-141	17	11	for	for	ADP
gujaf-141	17	12	handling	handle	VERB
gujaf-141	17	13	the	the	DET
gujaf-141	17	14	measurement	measurement	NOUN
gujaf-141	17	15	of	of	ADP
gujaf-141	17	16	economies	economy	NOUN
gujaf-141	17	17	in	in	ADP
gujaf-141	17	18	businesses	business	NOUN
gujaf-141	17	19	and	and	CCONJ
gujaf-141	17	20	will	will	AUX
gujaf-141	17	21	tend	tend	VERB
gujaf-141	17	22	to	to	PART
gujaf-141	17	23	have	have	VERB
gujaf-141	17	24	more	more	ADJ
gujaf-141	17	25	profit	profit	NOUN
gujaf-141	17	26	(	(	PUNCT
gujaf-141	17	27	haruna	haruna	PROPN
gujaf-141	17	28	,	,	PUNCT
gujaf-141	17	29	2015	2015	NUM
gujaf-141	17	30	)	)	PUNCT
gujaf-141	17	31	.	.	PUNCT
gujaf-141	18	1	the	the	DET
gujaf-141	18	2	model	model	NOUN
gujaf-141	18	3	linkage	linkage	NOUN
gujaf-141	18	4	that	that	PRON
gujaf-141	18	5	live	live	VERB
gujaf-141	18	6	between	between	ADP
gujaf-141	18	7	bank	bank	NOUN
gujaf-141	18	8	size	size	NOUN
gujaf-141	18	9	and	and	CCONJ
gujaf-141	18	10	profitability	profitability	NOUN
gujaf-141	18	11	are	be	AUX
gujaf-141	18	12	very	very	ADV
gujaf-141	18	13	important	important	ADJ
gujaf-141	18	14	and	and	CCONJ
gujaf-141	18	15	its	its	PRON
gujaf-141	18	16	can	can	AUX
gujaf-141	18	17	create	create	VERB
gujaf-141	18	18	a	a	DET
gujaf-141	18	19	factors	factor	NOUN
gujaf-141	18	20	that	that	PRON
gujaf-141	18	21	can	can	AUX
gujaf-141	18	22	impact	impact	VERB
gujaf-141	18	23	the	the	DET
gujaf-141	18	24	profitability	profitability	NOUN
gujaf-141	18	25	.	.	PUNCT
gujaf-141	19	1	bank	bank	NOUN
gujaf-141	19	2	size	size	NOUN
gujaf-141	19	3	are	be	AUX
gujaf-141	19	4	defined	define	VERB
gujaf-141	19	5	as	as	ADP
gujaf-141	19	6	a	a	DET
gujaf-141	19	7	barrel	barrel	NOUN
gujaf-141	19	8	and	and	CCONJ
gujaf-141	19	9	diversity	diversity	NOUN
gujaf-141	19	10	of	of	ADP
gujaf-141	19	11	services	service	NOUN
gujaf-141	19	12	banks	bank	NOUN
gujaf-141	19	13	possesses	possess	VERB
gujaf-141	19	14	and	and	CCONJ
gujaf-141	19	15	can	can	AUX
gujaf-141	19	16	make	make	VERB
gujaf-141	19	17	available	available	ADJ
gujaf-141	19	18	concurrently	concurrently	ADV
gujaf-141	19	19	to	to	ADP
gujaf-141	19	20	its	its	PRON
gujaf-141	19	21	customers	customer	NOUN
gujaf-141	19	22	(	(	PUNCT
gujaf-141	19	23	terraza	terraza	PROPN
gujaf-141	19	24	,	,	PUNCT
gujaf-141	19	25	2018	2018	NUM
gujaf-141	19	26	)	)	PUNCT
gujaf-141	19	27	.	.	PUNCT
gujaf-141	20	1	income	income	NOUN
gujaf-141	20	2	diversification	diversification	NOUN
gujaf-141	20	3	defined	define	VERB
gujaf-141	20	4	a	a	DET
gujaf-141	20	5	bank	bank	NOUN
gujaf-141	20	6	to	to	PART
gujaf-141	20	7	generate	generate	VERB
gujaf-141	20	8	income	income	NOUN
gujaf-141	20	9	other	other	ADJ
gujaf-141	20	10	than	than	ADP
gujaf-141	20	11	the	the	DET
gujaf-141	20	12	traditional	traditional	ADJ
gujaf-141	20	13	interest	interest	NOUN
gujaf-141	20	14	income	income	NOUN
gujaf-141	20	15	and	and	CCONJ
gujaf-141	20	16	it	it	PRON
gujaf-141	20	17	is	be	AUX
gujaf-141	20	18	calculated	calculate	VERB
gujaf-141	20	19	with	with	ADP
gujaf-141	20	20	total	total	ADJ
gujaf-141	20	21	non	non	ADJ
gujaf-141	20	22	-	-	ADJ
gujaf-141	20	23	interest	interest	ADJ
gujaf-141	20	24	income	income	NOUN
gujaf-141	20	25	all	all	ADV
gujaf-141	20	26	over	over	ADP
gujaf-141	20	27	total	total	ADJ
gujaf-141	20	28	assets	asset	NOUN
gujaf-141	20	29	.	.	PUNCT
gujaf-141	21	1	banks	bank	NOUN
gujaf-141	21	2	needs	need	VERB
gujaf-141	21	3	change	change	VERB
gujaf-141	21	4	the	the	DET
gujaf-141	21	5	traditional	traditional	ADJ
gujaf-141	21	6	way	way	NOUN
gujaf-141	21	7	of	of	ADP
gujaf-141	21	8	generating	generate	VERB
gujaf-141	21	9	income	income	NOUN
gujaf-141	21	10	toward	toward	ADP
gujaf-141	21	11	opening	open	VERB
gujaf-141	21	12	more	more	ADJ
gujaf-141	21	13	diversification	diversification	NOUN
gujaf-141	21	14	services	service	NOUN
gujaf-141	21	15	so	so	SCONJ
gujaf-141	21	16	that	that	PRON
gujaf-141	21	17	to	to	PART
gujaf-141	21	18	have	have	VERB
gujaf-141	21	19	more	more	ADJ
gujaf-141	21	20	competition	competition	NOUN
gujaf-141	21	21	in	in	ADP
gujaf-141	21	22	banking	banking	NOUN
gujaf-141	21	23	sector	sector	NOUN
gujaf-141	21	24	as	as	ADV
gujaf-141	21	25	well	well	ADV
gujaf-141	21	26	as	as	ADP
gujaf-141	21	27	non	non	ADJ
gujaf-141	21	28	-	-	ADJ
gujaf-141	21	29	banking	banking	ADJ
gujaf-141	21	30	sector	sector	NOUN
gujaf-141	21	31	and	and	CCONJ
gujaf-141	21	32	capital	capital	NOUN
gujaf-141	21	33	market	market	NOUN
gujaf-141	21	34	.	.	PUNCT
gujaf-141	22	1	income	income	NOUN
gujaf-141	22	2	diversification	diversification	NOUN
gujaf-141	22	3	is	be	AUX
gujaf-141	22	4	an	an	DET
gujaf-141	22	5	additional	additional	ADJ
gujaf-141	22	6	alternative	alternative	NOUN
gujaf-141	22	7	of	of	ADP
gujaf-141	22	8	sources	source	NOUN
gujaf-141	22	9	of	of	ADP
gujaf-141	22	10	income	income	NOUN
gujaf-141	22	11	.	.	PUNCT
gujaf-141	23	1	it	it	PRON
gujaf-141	23	2	includes	include	VERB
gujaf-141	23	3	other	other	ADJ
gujaf-141	23	4	earned	earn	VERB
gujaf-141	23	5	charges	charge	NOUN
gujaf-141	23	6	for	for	ADP
gujaf-141	23	7	other	other	ADJ
gujaf-141	23	8	bank	bank	NOUN
gujaf-141	23	9	services	service	NOUN
gujaf-141	23	10	and	and	CCONJ
gujaf-141	23	11	service	service	NOUN
gujaf-141	23	12	charges	charge	NOUN
gujaf-141	23	13	on	on	ADP
gujaf-141	23	14	deposit	deposit	NOUN
gujaf-141	23	15	accounts	account	NOUN
gujaf-141	23	16	(	(	PUNCT
gujaf-141	23	17	ibenta	ibenta	NOUN
gujaf-141	23	18	,	,	PUNCT
gujaf-141	23	19	2018	2018	NUM
gujaf-141	23	20	)	)	PUNCT
gujaf-141	23	21	.	.	PUNCT
gujaf-141	24	1	bank	bank	NOUN
gujaf-141	24	2	age	age	NOUN
gujaf-141	24	3	focused	focus	VERB
gujaf-141	24	4	on	on	ADP
gujaf-141	24	5	company	company	NOUN
gujaf-141	24	6	age	age	NOUN
gujaf-141	24	7	means	mean	VERB
gujaf-141	24	8	number	number	NOUN
gujaf-141	24	9	of	of	ADP
gujaf-141	24	10	years	year	NOUN
gujaf-141	24	11	that	that	SCONJ
gujaf-141	24	12	the	the	DET
gujaf-141	24	13	banks	bank	NOUN
gujaf-141	24	14	have	have	AUX
gujaf-141	24	15	been	be	AUX
gujaf-141	24	16	in	in	ADP
gujaf-141	24	17	existing	exist	VERB
gujaf-141	24	18	legally	legally	ADV
gujaf-141	24	19	.	.	PUNCT
gujaf-141	25	1	morgan	morgan	PROPN
gujaf-141	25	2	,	,	PUNCT
gujaf-141	25	3	et	et	PROPN
gujaf-141	25	4	al	al	PROPN
gujaf-141	25	5	(	(	PUNCT
gujaf-141	25	6	2004	2004	NUM
gujaf-141	25	7	)	)	PUNCT
gujaf-141	25	8	defined	define	VERB
gujaf-141	25	9	bank	bank	NOUN
gujaf-141	25	10	age	age	NOUN
gujaf-141	25	11	is	be	AUX
gujaf-141	25	12	a	a	DET
gujaf-141	25	13	number	number	NOUN
gujaf-141	25	14	of	of	ADP
gujaf-141	25	15	years	year	NOUN
gujaf-141	25	16	’	'	PUNCT
gujaf-141	25	17	banks	bank	NOUN
gujaf-141	25	18	has	have	AUX
gujaf-141	25	19	been	be	AUX
gujaf-141	25	20	active	active	ADJ
gujaf-141	25	21	in	in	ADP
gujaf-141	25	22	operations	operation	NOUN
gujaf-141	25	23	.	.	PUNCT
gujaf-141	26	1	these	these	PRON
gujaf-141	26	2	is	be	AUX
gujaf-141	26	3	all	all	ADV
gujaf-141	26	4	about	about	ADP
gujaf-141	26	5	old	old	ADJ
gujaf-141	26	6	generation	generation	NOUN
gujaf-141	26	7	banks	bank	NOUN
gujaf-141	26	8	and	and	CCONJ
gujaf-141	26	9	new	new	ADJ
gujaf-141	26	10	generation	generation	NOUN
gujaf-141	26	11	,	,	PUNCT
gujaf-141	26	12	a	a	DET
gujaf-141	26	13	bank	bank	NOUN
gujaf-141	26	14	that	that	PRON
gujaf-141	26	15	has	have	VERB
gujaf-141	26	16	age	age	NOUN
gujaf-141	26	17	over	over	ADP
gujaf-141	26	18	other	other	ADJ
gujaf-141	26	19	banks	bank	NOUN
gujaf-141	26	20	definitely	definitely	ADV
gujaf-141	26	21	most	most	ADV
gujaf-141	26	22	have	have	VERB
gujaf-141	26	23	exposure	exposure	NOUN
gujaf-141	26	24	over	over	ADP
gujaf-141	26	25	the	the	DET
gujaf-141	26	26	banks	bank	NOUN
gujaf-141	26	27	that	that	PRON
gujaf-141	26	28	have	have	VERB
gujaf-141	26	29	few	few	ADJ
gujaf-141	26	30	years	year	NOUN
gujaf-141	26	31	in	in	ADP
gujaf-141	26	32	existence	existence	NOUN
gujaf-141	26	33	and	and	CCONJ
gujaf-141	26	34	is	be	AUX
gujaf-141	26	35	measured	measure	VERB
gujaf-141	26	36	as	as	SCONJ
gujaf-141	26	37	the	the	DET
gujaf-141	26	38	number	number	NOUN
gujaf-141	26	39	of	of	ADP
gujaf-141	26	40	years	year	NOUN
gujaf-141	26	41	break	break	VERB
gujaf-141	26	42	up	up	ADP
gujaf-141	26	43	from	from	ADP
gujaf-141	26	44	the	the	DET
gujaf-141	26	45	operation	operation	NOUN
gujaf-141	26	46	.	.	PUNCT
gujaf-141	27	1	in	in	ADP
gujaf-141	27	2	the	the	DET
gujaf-141	27	3	year	year	NOUN
gujaf-141	27	4	2018	2018	NUM
gujaf-141	27	5	,	,	PUNCT
gujaf-141	27	6	skye	skye	PROPN
gujaf-141	27	7	bank	bank	PROPN
gujaf-141	27	8	has	have	AUX
gujaf-141	27	9	changed	change	VERB
gujaf-141	27	10	identity	identity	NOUN
gujaf-141	27	11	to	to	ADP
gujaf-141	27	12	polaris	polaris	PROPN
gujaf-141	27	13	bank	bank	PROPN
gujaf-141	27	14	because	because	SCONJ
gujaf-141	27	15	of	of	ADP
gujaf-141	27	16	financial	financial	ADJ
gujaf-141	27	17	crisis	crisis	NOUN
gujaf-141	27	18	where	where	SCONJ
gujaf-141	27	19	all	all	DET
gujaf-141	27	20	the	the	DET
gujaf-141	27	21	staff	staff	NOUN
gujaf-141	27	22	will	will	AUX
gujaf-141	27	23	be	be	AUX
gujaf-141	27	24	retained	retain	VERB
gujaf-141	27	25	under	under	ADP
gujaf-141	27	26	the	the	DET
gujaf-141	27	27	new	new	ADJ
gujaf-141	27	28	ownership	ownership	NOUN
gujaf-141	27	29	structure	structure	NOUN
gujaf-141	27	30	(	(	PUNCT
gujaf-141	27	31	daily	daily	PROPN
gujaf-141	27	32	trust	trust	NOUN
gujaf-141	27	33	,	,	PUNCT
gujaf-141	27	34	punch	punch	VERB
gujaf-141	27	35	,	,	PUNCT
gujaf-141	27	36	guardian	guardian	NOUN
gujaf-141	27	37	and	and	CCONJ
gujaf-141	27	38	sun	sun	NOUN
gujaf-141	27	39	,	,	PUNCT
gujaf-141	27	40	07	07	NUM
gujaf-141	27	41	november	november	PROPN
gujaf-141	27	42	,	,	PUNCT
gujaf-141	27	43	2018	2018	NUM
gujaf-141	27	44	)	)	PUNCT
gujaf-141	27	45	.	.	PUNCT
gujaf-141	28	1	it	it	PRON
gujaf-141	28	2	is	be	AUX
gujaf-141	28	3	wellknown	wellknown	ADJ
gujaf-141	28	4	fact	fact	NOUN
gujaf-141	28	5	that	that	SCONJ
gujaf-141	28	6	bank	bank	NOUN
gujaf-141	28	7	failures	failure	NOUN
gujaf-141	28	8	do	do	AUX
gujaf-141	28	9	n’t	not	PART
gujaf-141	28	10	happen	happen	VERB
gujaf-141	28	11	one	one	NUM
gujaf-141	28	12	day	day	NOUN
gujaf-141	28	13	normally	normally	ADV
gujaf-141	28	14	over	over	ADP
gujaf-141	28	15	a	a	DET
gujaf-141	28	16	reasonable	reasonable	ADJ
gujaf-141	28	17	period	period	NOUN
gujaf-141	28	18	;	;	PUNCT
gujaf-141	28	19	same	same	ADJ
gujaf-141	28	20	of	of	ADP
gujaf-141	28	21	the	the	DET
gujaf-141	28	22	reasons	reason	NOUN
gujaf-141	28	23	of	of	ADP
gujaf-141	28	24	banks	bank	NOUN
gujaf-141	28	25	failure	failure	NOUN
gujaf-141	28	26	includes	include	VERB
gujaf-141	28	27	poor	poor	ADJ
gujaf-141	28	28	management	management	NOUN
gujaf-141	28	29	,	,	PUNCT
gujaf-141	28	30	nonperforming	nonperforming	ADJ
gujaf-141	28	31	loan	loan	NOUN
gujaf-141	28	32	and	and	CCONJ
gujaf-141	28	33	insider	insider	NOUN
gujaf-141	28	34	abuses	abuse	NOUN
gujaf-141	28	35	.	.	PUNCT
gujaf-141	29	1	polaris	polaris	PROPN
gujaf-141	29	2	bank	bank	PROPN
gujaf-141	29	3	has	have	AUX
gujaf-141	29	4	acquired	acquire	VERB
gujaf-141	29	5	or	or	CCONJ
gujaf-141	29	6	taken	take	VERB
gujaf-141	29	7	over	over	ADP
gujaf-141	29	8	all	all	DET
gujaf-141	29	9	the	the	DET
gujaf-141	29	10	assets	asset	NOUN
gujaf-141	29	11	and	and	CCONJ
gujaf-141	29	12	liabilities	liability	NOUN
gujaf-141	29	13	of	of	ADP
gujaf-141	29	14	sky	sky	NOUN
gujaf-141	29	15	bank	bank	PROPN
gujaf-141	29	16	(	(	PUNCT
gujaf-141	29	17	sun	sun	NOUN
gujaf-141	29	18	,	,	PUNCT
gujaf-141	29	19	and	and	CCONJ
gujaf-141	29	20	guardian	guardian	NOUN
gujaf-141	29	21	,	,	PUNCT
gujaf-141	29	22	10	10	NUM
gujaf-141	29	23	november	november	PROPN
gujaf-141	29	24	,	,	PUNCT
gujaf-141	29	25	2018	2018	NUM
gujaf-141	29	26	)	)	PUNCT
gujaf-141	29	27	.	.	PUNCT
gujaf-141	30	1	in	in	ADP
gujaf-141	30	2	the	the	DET
gujaf-141	30	3	year	year	NOUN
gujaf-141	30	4	2019	2019	NUM
gujaf-141	30	5	,	,	PUNCT
gujaf-141	30	6	access	access	NOUN
gujaf-141	30	7	bank	bank	PROPN
gujaf-141	30	8	and	and	CCONJ
gujaf-141	30	9	diamond	diamond	PROPN
gujaf-141	30	10	bank	bank	NOUN
gujaf-141	30	11	are	be	AUX
gujaf-141	30	12	merged	merge	VERB
gujaf-141	30	13	where	where	SCONJ
gujaf-141	30	14	all	all	DET
gujaf-141	30	15	the	the	DET
gujaf-141	30	16	assets	asset	NOUN
gujaf-141	30	17	3	3	NUM
gujaf-141	30	18	acquired	acquire	VERB
gujaf-141	30	19	,	,	PUNCT
gujaf-141	30	20	it	it	PRON
gujaf-141	30	21	is	be	AUX
gujaf-141	30	22	clear	clear	ADJ
gujaf-141	30	23	that	that	SCONJ
gujaf-141	30	24	the	the	DET
gujaf-141	30	25	compliance	compliance	NOUN
gujaf-141	30	26	from	from	ADP
gujaf-141	30	27	both	both	DET
gujaf-141	30	28	banks	bank	NOUN
gujaf-141	30	29	has	have	AUX
gujaf-141	30	30	showed	show	VERB
gujaf-141	30	31	the	the	DET
gujaf-141	30	32	agreement	agreement	NOUN
gujaf-141	30	33	as	as	ADP
gujaf-141	30	34	a	a	DET
gujaf-141	30	35	friendly	friendly	ADJ
gujaf-141	30	36	amalgamation	amalgamation	NOUN
gujaf-141	30	37	.	.	PUNCT
gujaf-141	31	1	access	access	PROPN
gujaf-141	31	2	bank	bank	PROPN
gujaf-141	31	3	has	have	AUX
gujaf-141	31	4	not	not	PART
gujaf-141	31	5	clearly	clearly	ADV
gujaf-141	31	6	expressed	express	VERB
gujaf-141	31	7	their	their	PRON
gujaf-141	31	8	reasons	reason	NOUN
gujaf-141	31	9	for	for	ADP
gujaf-141	31	10	this	this	DET
gujaf-141	31	11	merger	merger	NOUN
gujaf-141	31	12	.	.	PUNCT
gujaf-141	32	1	it	it	PRON
gujaf-141	32	2	means	mean	VERB
gujaf-141	32	3	that	that	SCONJ
gujaf-141	32	4	access	access	NOUN
gujaf-141	32	5	bank	bank	NOUN
gujaf-141	32	6	has	have	VERB
gujaf-141	32	7	to	to	PART
gujaf-141	32	8	respect	respect	VERB
gujaf-141	32	9	what	what	PRON
gujaf-141	32	10	diamond	diamond	NOUN
gujaf-141	32	11	bank	bank	NOUN
gujaf-141	32	12	had	have	AUX
gujaf-141	32	13	achieved	achieve	VERB
gujaf-141	32	14	over	over	ADP
gujaf-141	32	15	the	the	DET
gujaf-141	32	16	years	year	NOUN
gujaf-141	32	17	,	,	PUNCT
gujaf-141	32	18	they	they	PRON
gujaf-141	32	19	reached	reach	VERB
gujaf-141	32	20	agreement	agreement	NOUN
gujaf-141	32	21	that	that	PRON
gujaf-141	32	22	the	the	DET
gujaf-141	32	23	diamond	diamond	PROPN
gujaf-141	32	24	bank	bank	PROPN
gujaf-141	32	25	mobile	mobile	ADJ
gujaf-141	32	26	app	app	PROPN
gujaf-141	32	27	would	would	AUX
gujaf-141	32	28	remain	remain	VERB
gujaf-141	32	29	intact	intact	ADJ
gujaf-141	32	30	and	and	CCONJ
gujaf-141	32	31	prolific	prolific	ADJ
gujaf-141	32	32	products	product	NOUN
gujaf-141	32	33	of	of	ADP
gujaf-141	32	34	diamond	diamond	PROPN
gujaf-141	32	35	bank	bank	NOUN
gujaf-141	32	36	will	will	AUX
gujaf-141	32	37	be	be	AUX
gujaf-141	32	38	retained	retain	VERB
gujaf-141	32	39	the	the	DET
gujaf-141	32	40	safety	safety	NOUN
gujaf-141	32	41	of	of	ADP
gujaf-141	32	42	the	the	DET
gujaf-141	32	43	staff	staff	NOUN
gujaf-141	32	44	.	.	PUNCT
gujaf-141	33	1	this	this	PRON
gujaf-141	33	2	means	mean	VERB
gujaf-141	33	3	the	the	DET
gujaf-141	33	4	customers	customer	NOUN
gujaf-141	33	5	that	that	PRON
gujaf-141	33	6	have	have	VERB
gujaf-141	33	7	accounts	account	NOUN
gujaf-141	33	8	with	with	ADP
gujaf-141	33	9	both	both	DET
gujaf-141	33	10	banks	bank	NOUN
gujaf-141	33	11	they	they	PRON
gujaf-141	33	12	would	would	AUX
gujaf-141	33	13	not	not	PART
gujaf-141	33	14	be	be	AUX
gujaf-141	33	15	merged	merge	VERB
gujaf-141	33	16	by	by	ADP
gujaf-141	33	17	default	default	NOUN
gujaf-141	33	18	,	,	PUNCT
gujaf-141	33	19	no	no	PRON
gujaf-141	33	20	shutting	shut	VERB
gujaf-141	33	21	down	down	ADP
gujaf-141	33	22	branches	branch	NOUN
gujaf-141	33	23	and	and	CCONJ
gujaf-141	33	24	others	other	NOUN
gujaf-141	33	25	agreement	agreement	NOUN
gujaf-141	33	26	(	(	PUNCT
gujaf-141	33	27	guardian	guardian	NOUN
gujaf-141	33	28	,	,	PUNCT
gujaf-141	33	29	sun	sun	NOUN
gujaf-141	33	30	and	and	CCONJ
gujaf-141	33	31	daily	daily	ADJ
gujaf-141	33	32	trust	trust	NOUN
gujaf-141	33	33	17	17	NUM
gujaf-141	33	34	march	march	NOUN
gujaf-141	33	35	,	,	PUNCT
gujaf-141	33	36	2019	2019	NUM
gujaf-141	33	37	)	)	PUNCT
gujaf-141	33	38	.	.	PUNCT
gujaf-141	34	1	in	in	ADP
gujaf-141	34	2	the	the	DET
gujaf-141	34	3	year	year	NOUN
gujaf-141	34	4	2013	2013	NUM
gujaf-141	34	5	and	and	CCONJ
gujaf-141	34	6	2017	2017	NUM
gujaf-141	34	7	unity	unity	NOUN
gujaf-141	34	8	bank	bank	PROPN
gujaf-141	34	9	plc	plc	PROPN
gujaf-141	34	10	made	make	VERB
gujaf-141	34	11	a	a	DET
gujaf-141	34	12	total	total	ADJ
gujaf-141	34	13	loss	loss	NOUN
gujaf-141	34	14	ofn-22,636,924	ofn-22,636,924	PROPN
gujaf-141	34	15	andn-14	andn-14	PROPN
gujaf-141	34	16	,	,	PUNCT
gujaf-141	34	17	917,938	917,938	NUM
gujaf-141	34	18	respectively	respectively	ADV
gujaf-141	34	19	as	as	ADP
gujaf-141	34	20	a	a	DET
gujaf-141	34	21	result	result	NOUN
gujaf-141	34	22	of	of	ADP
gujaf-141	34	23	poor	poor	ADJ
gujaf-141	34	24	management	management	NOUN
gujaf-141	34	25	and	and	CCONJ
gujaf-141	34	26	non	non	ADJ
gujaf-141	34	27	-	-	ADJ
gujaf-141	34	28	performing	performing	ADJ
gujaf-141	34	29	loans	loan	NOUN
gujaf-141	34	30	from	from	ADP
gujaf-141	34	31	customers	customer	NOUN
gujaf-141	34	32	where	where	SCONJ
gujaf-141	34	33	earning	earn	VERB
gujaf-141	34	34	per	per	ADP
gujaf-141	34	35	share	share	NOUN
gujaf-141	34	36	drops	drop	NOUN
gujaf-141	34	37	to	to	ADP
gujaf-141	34	38	n-127.62	n-127.62	NOUN
gujaf-141	34	39	and	and	CCONJ
gujaf-141	34	40	n58.74	n58.74	VERB
gujaf-141	34	41	respectively	respectively	ADV
gujaf-141	34	42	(	(	PUNCT
gujaf-141	34	43	unity	unity	NOUN
gujaf-141	34	44	bank	bank	NOUN
gujaf-141	34	45	annual	annual	ADJ
gujaf-141	34	46	report	report	NOUN
gujaf-141	34	47	,	,	PUNCT
gujaf-141	34	48	2017	2017	NUM
gujaf-141	34	49	and	and	CCONJ
gujaf-141	34	50	2013	2013	NUM
gujaf-141	34	51	)	)	PUNCT
gujaf-141	34	52	.	.	PUNCT
gujaf-141	35	1	the	the	DET
gujaf-141	35	2	objectives	objective	NOUN
gujaf-141	35	3	on	on	ADP
gujaf-141	35	4	this	this	DET
gujaf-141	35	5	study	study	NOUN
gujaf-141	35	6	are	be	AUX
gujaf-141	35	7	to	to	PART
gujaf-141	35	8	:	:	PUNCT
gujaf-141	35	9	i.	i.	NOUN
gujaf-141	35	10	investigate	investigate	VERB
gujaf-141	35	11	the	the	DET
gujaf-141	35	12	impact	impact	NOUN
gujaf-141	35	13	of	of	ADP
gujaf-141	35	14	capital	capital	NOUN
gujaf-141	35	15	adequacy	adequacy	NOUN
gujaf-141	35	16	ratio	ratio	NOUN
gujaf-141	35	17	on	on	ADP
gujaf-141	35	18	financial	financial	ADJ
gujaf-141	35	19	performance	performance	NOUN
gujaf-141	35	20	of	of	ADP
gujaf-141	35	21	dmbs	dmb	NOUN
gujaf-141	35	22	in	in	ADP
gujaf-141	35	23	nigeria	nigeria	PROPN
gujaf-141	35	24	ii	ii	PROPN
gujaf-141	35	25	.	.	PROPN
gujaf-141	35	26	examine	examine	VERB
gujaf-141	35	27	the	the	DET
gujaf-141	35	28	effect	effect	NOUN
gujaf-141	35	29	of	of	ADP
gujaf-141	35	30	bank	bank	NOUN
gujaf-141	35	31	size	size	NOUN
gujaf-141	35	32	on	on	ADP
gujaf-141	35	33	financial	financial	ADJ
gujaf-141	35	34	performance	performance	NOUN
gujaf-141	35	35	of	of	ADP
gujaf-141	35	36	dmbs	dmb	NOUN
gujaf-141	35	37	in	in	ADP
gujaf-141	35	38	nigeria	nigeria	PROPN
gujaf-141	35	39	iii	iii	PROPN
gujaf-141	35	40	.	.	PROPN
gujaf-141	35	41	determine	determine	VERB
gujaf-141	35	42	the	the	DET
gujaf-141	35	43	impact	impact	NOUN
gujaf-141	35	44	of	of	ADP
gujaf-141	35	45	income	income	NOUN
gujaf-141	35	46	diversification	diversification	NOUN
gujaf-141	35	47	on	on	ADP
gujaf-141	35	48	financial	financial	ADJ
gujaf-141	35	49	performance	performance	NOUN
gujaf-141	35	50	of	of	ADP
gujaf-141	35	51	dmbs	dmb	NOUN
gujaf-141	35	52	in	in	ADP
gujaf-141	35	53	nigeria	nigeria	PROPN
gujaf-141	35	54	iv	iv	NUM
gujaf-141	35	55	.	.	PUNCT
gujaf-141	35	56	determine	determine	VERB
gujaf-141	35	57	the	the	DET
gujaf-141	35	58	moderating	moderate	VERB
gujaf-141	35	59	effect	effect	NOUN
gujaf-141	35	60	of	of	ADP
gujaf-141	35	61	bank	bank	NOUN
gujaf-141	35	62	age	age	NOUN
gujaf-141	35	63	on	on	ADP
gujaf-141	35	64	the	the	DET
gujaf-141	35	65	linkage	linkage	NOUN
gujaf-141	35	66	between	between	ADP
gujaf-141	35	67	bank	bank	NOUN
gujaf-141	35	68	attributes	attribute	NOUN
gujaf-141	35	69	(	(	PUNCT
gujaf-141	35	70	capital	capital	NOUN
gujaf-141	35	71	adequacy	adequacy	NOUN
gujaf-141	35	72	ratio	ratio	NOUN
gujaf-141	35	73	,	,	PUNCT
gujaf-141	35	74	bank	bank	NOUN
gujaf-141	35	75	size	size	NOUN
gujaf-141	35	76	and	and	CCONJ
gujaf-141	35	77	income	income	NOUN
gujaf-141	35	78	diversification	diversification	NOUN
gujaf-141	35	79	)	)	PUNCT
gujaf-141	35	80	and	and	CCONJ
gujaf-141	35	81	financial	financial	ADJ
gujaf-141	35	82	performance	performance	NOUN
gujaf-141	35	83	of	of	ADP
gujaf-141	35	84	dmbs	dmb	NOUN
gujaf-141	35	85	in	in	ADP
gujaf-141	35	86	nigeria	nigeria	PROPN
gujaf-141	35	87	.	.	PUNCT
gujaf-141	36	1	base	base	NOUN
gujaf-141	36	2	of	of	ADP
gujaf-141	36	3	the	the	DET
gujaf-141	36	4	above	above	ADJ
gujaf-141	36	5	objectives	objective	NOUN
gujaf-141	36	6	,	,	PUNCT
gujaf-141	36	7	hypotheses	hypothesis	NOUN
gujaf-141	36	8	has	have	AUX
gujaf-141	36	9	been	be	AUX
gujaf-141	36	10	formulated	formulate	VERB
gujaf-141	36	11	in	in	ADP
gujaf-141	36	12	null	null	ADJ
gujaf-141	36	13	form	form	NOUN
gujaf-141	36	14	:	:	PUNCT
gujaf-141	36	15	h01	h01	NOUN
gujaf-141	36	16	:	:	PUNCT
gujaf-141	36	17	there	there	PRON
gujaf-141	36	18	is	be	VERB
gujaf-141	36	19	no	no	DET
gujaf-141	36	20	significant	significant	ADJ
gujaf-141	36	21	linkage	linkage	NOUN
gujaf-141	36	22	between	between	ADP
gujaf-141	36	23	capital	capital	NOUN
gujaf-141	36	24	adequacy	adequacy	NOUN
gujaf-141	36	25	ratio	ratio	NOUN
gujaf-141	36	26	and	and	CCONJ
gujaf-141	36	27	financial	financial	ADJ
gujaf-141	36	28	performance	performance	NOUN
gujaf-141	36	29	of	of	ADP
gujaf-141	36	30	dmbs	dmb	NOUN
gujaf-141	36	31	in	in	ADP
gujaf-141	36	32	nigeria	nigeria	PROPN
gujaf-141	36	33	.	.	PUNCT
gujaf-141	37	1	h02	h02	PROPN
gujaf-141	37	2	:	:	PUNCT
gujaf-141	37	3	there	there	PRON
gujaf-141	37	4	is	be	VERB
gujaf-141	37	5	no	no	DET
gujaf-141	37	6	significant	significant	ADJ
gujaf-141	37	7	linkage	linkage	NOUN
gujaf-141	37	8	between	between	ADP
gujaf-141	37	9	bank	bank	NOUN
gujaf-141	37	10	size	size	NOUN
gujaf-141	37	11	and	and	CCONJ
gujaf-141	37	12	financial	financial	ADJ
gujaf-141	37	13	performance	performance	NOUN
gujaf-141	37	14	of	of	ADP
gujaf-141	37	15	dmbs	dmb	NOUN
gujaf-141	37	16	in	in	ADP
gujaf-141	37	17	nigeria	nigeria	PROPN
gujaf-141	37	18	.	.	PUNCT
gujaf-141	38	1	h03	h03	PROPN
gujaf-141	38	2	:	:	PUNCT
gujaf-141	38	3	there	there	PRON
gujaf-141	38	4	is	be	VERB
gujaf-141	38	5	no	no	DET
gujaf-141	38	6	significant	significant	ADJ
gujaf-141	38	7	linkage	linkage	NOUN
gujaf-141	38	8	between	between	ADP
gujaf-141	38	9	income	income	NOUN
gujaf-141	38	10	diversification	diversification	NOUN
gujaf-141	38	11	and	and	CCONJ
gujaf-141	38	12	financial	financial	ADJ
gujaf-141	38	13	performance	performance	NOUN
gujaf-141	38	14	of	of	ADP
gujaf-141	38	15	dmbs	dmb	NOUN
gujaf-141	38	16	in	in	ADP
gujaf-141	38	17	nigeria	nigeria	PROPN
gujaf-141	38	18	.	.	PUNCT
gujaf-141	39	1	h04	h04	PROPN
gujaf-141	39	2	:	:	PUNCT
gujaf-141	39	3	moderating	moderate	VERB
gujaf-141	39	4	ratio	ratio	NOUN
gujaf-141	39	5	of	of	ADP
gujaf-141	39	6	bank	bank	NOUN
gujaf-141	39	7	age	age	NOUN
gujaf-141	39	8	on	on	ADP
gujaf-141	39	9	the	the	DET
gujaf-141	39	10	linkage	linkage	NOUN
gujaf-141	39	11	between	between	ADP
gujaf-141	39	12	(	(	PUNCT
gujaf-141	39	13	capital	capital	NOUN
gujaf-141	39	14	adequacy	adequacy	NOUN
gujaf-141	39	15	ratios	ratio	NOUN
gujaf-141	39	16	,	,	PUNCT
gujaf-141	39	17	bank	bank	NOUN
gujaf-141	39	18	size	size	NOUN
gujaf-141	39	19	and	and	CCONJ
gujaf-141	39	20	income	income	NOUN
gujaf-141	39	21	diversification	diversification	NOUN
gujaf-141	39	22	)	)	PUNCT
gujaf-141	39	23	has	have	VERB
gujaf-141	39	24	no	no	DET
gujaf-141	39	25	significant	significant	ADJ
gujaf-141	39	26	effect	effect	NOUN
gujaf-141	39	27	on	on	ADP
gujaf-141	39	28	financial	financial	ADJ
gujaf-141	39	29	performance	performance	NOUN
gujaf-141	39	30	of	of	ADP
gujaf-141	39	31	dmbs	dmb	NOUN
gujaf-141	39	32	in	in	ADP
gujaf-141	39	33	nigeria	nigeria	PROPN
gujaf-141	39	34	.	.	PUNCT
gujaf-141	40	1	the	the	DET
gujaf-141	40	2	previous	previous	ADJ
gujaf-141	40	3	literature	literature	NOUN
gujaf-141	40	4	,	,	PUNCT
gujaf-141	40	5	there	there	ADV
gujaf-141	40	6	few	few	ADJ
gujaf-141	40	7	studies	study	NOUN
gujaf-141	40	8	that	that	PRON
gujaf-141	40	9	conducted	conduct	VERB
gujaf-141	40	10	on	on	ADP
gujaf-141	40	11	banks	bank	NOUN
gujaf-141	40	12	attributes	attribute	VERB
gujaf-141	40	13	on	on	ADP
gujaf-141	40	14	financial	financial	ADJ
gujaf-141	40	15	performance	performance	NOUN
gujaf-141	40	16	of	of	ADP
gujaf-141	40	17	dmbs	dmb	NOUN
gujaf-141	40	18	in	in	ADP
gujaf-141	40	19	nigeria	nigeria	PROPN
gujaf-141	40	20	by	by	ADP
gujaf-141	40	21	using	use	VERB
gujaf-141	40	22	income	income	NOUN
gujaf-141	40	23	diversification	diversification	NOUN
gujaf-141	40	24	and	and	CCONJ
gujaf-141	40	25	4	4	NUM
gujaf-141	40	26	bank	bank	NOUN
gujaf-141	40	27	age	age	NOUN
gujaf-141	40	28	as	as	ADP
gujaf-141	40	29	an	an	DET
gujaf-141	40	30	independent	independent	ADJ
gujaf-141	40	31	and	and	CCONJ
gujaf-141	40	32	moderating	moderate	VERB
gujaf-141	40	33	variable	variable	NOUN
gujaf-141	40	34	respectively	respectively	ADV
gujaf-141	40	35	.	.	PUNCT
gujaf-141	41	1	this	this	DET
gujaf-141	41	2	investigation	investigation	NOUN
gujaf-141	41	3	is	be	AUX
gujaf-141	41	4	going	go	VERB
gujaf-141	41	5	to	to	PART
gujaf-141	41	6	balance	balance	VERB
gujaf-141	41	7	the	the	DET
gujaf-141	41	8	interval	interval	NOUN
gujaf-141	41	9	by	by	ADP
gujaf-141	41	10	using	use	VERB
gujaf-141	41	11	capital	capital	NOUN
gujaf-141	41	12	adequacy	adequacy	NOUN
gujaf-141	41	13	ratio	ratio	NOUN
gujaf-141	41	14	,	,	PUNCT
gujaf-141	41	15	bank	bank	NOUN
gujaf-141	41	16	size	size	NOUN
gujaf-141	41	17	and	and	CCONJ
gujaf-141	41	18	income	income	NOUN
gujaf-141	41	19	diversification	diversification	NOUN
gujaf-141	41	20	as	as	ADP
gujaf-141	41	21	independent	independent	ADJ
gujaf-141	41	22	variable	variable	NOUN
gujaf-141	41	23	and	and	CCONJ
gujaf-141	41	24	return	return	VERB
gujaf-141	41	25	on	on	ADP
gujaf-141	41	26	asset	asset	NOUN
gujaf-141	41	27	as	as	ADP
gujaf-141	41	28	dependent	dependent	ADJ
gujaf-141	41	29	variable	variable	NOUN
gujaf-141	41	30	,	,	PUNCT
gujaf-141	41	31	this	this	DET
gujaf-141	41	32	study	study	NOUN
gujaf-141	41	33	also	also	ADV
gujaf-141	41	34	introduces	introduce	VERB
gujaf-141	41	35	bank	bank	NOUN
gujaf-141	41	36	age	age	NOUN
gujaf-141	41	37	as	as	ADP
gujaf-141	41	38	moderating	moderate	VERB
gujaf-141	41	39	variable	variable	NOUN
gujaf-141	41	40	that	that	PRON
gujaf-141	41	41	can	can	AUX
gujaf-141	41	42	moderate	moderate	VERB
gujaf-141	41	43	linkage	linkage	NOUN
gujaf-141	41	44	that	that	PRON
gujaf-141	41	45	exists	exist	VERB
gujaf-141	41	46	between	between	ADP
gujaf-141	41	47	explanatory	explanatory	ADJ
gujaf-141	41	48	and	and	CCONJ
gujaf-141	41	49	dependent	dependent	ADJ
gujaf-141	41	50	variable	variable	NOUN
gujaf-141	41	51	.	.	PUNCT
gujaf-141	42	1	the	the	DET
gujaf-141	42	2	paper	paper	NOUN
gujaf-141	42	3	has	have	VERB
gujaf-141	42	4	the	the	DET
gujaf-141	42	5	following	follow	VERB
gujaf-141	42	6	other	other	ADJ
gujaf-141	42	7	sections	section	NOUN
gujaf-141	42	8	.	.	PUNCT
gujaf-141	43	1	section	section	NOUN
gujaf-141	43	2	two	two	NUM
gujaf-141	43	3	reviews	review	NOUN
gujaf-141	43	4	literature	literature	NOUN
gujaf-141	43	5	and	and	CCONJ
gujaf-141	43	6	theoretical	theoretical	ADJ
gujaf-141	43	7	in	in	ADP
gujaf-141	43	8	order	order	NOUN
gujaf-141	43	9	to	to	PART
gujaf-141	43	10	provide	provide	VERB
gujaf-141	43	11	a	a	DET
gujaf-141	43	12	basis	basis	NOUN
gujaf-141	43	13	for	for	ADP
gujaf-141	43	14	the	the	DET
gujaf-141	43	15	research	research	NOUN
gujaf-141	43	16	.	.	PUNCT
gujaf-141	44	1	section	section	NOUN
gujaf-141	44	2	three	three	NUM
gujaf-141	44	3	contains	contain	VERB
gujaf-141	44	4	the	the	DET
gujaf-141	44	5	methodology	methodology	NOUN
gujaf-141	44	6	adopt	adopt	NOUN
gujaf-141	44	7	by	by	ADP
gujaf-141	44	8	this	this	DET
gujaf-141	44	9	study	study	NOUN
gujaf-141	44	10	.	.	PUNCT
gujaf-141	45	1	section	section	NOUN
gujaf-141	45	2	four	four	NUM
gujaf-141	45	3	contains	contain	VERB
gujaf-141	45	4	an	an	DET
gujaf-141	45	5	argumentation	argumentation	NOUN
gujaf-141	45	6	of	of	ADP
gujaf-141	45	7	the	the	DET
gujaf-141	45	8	results	result	NOUN
gujaf-141	45	9	and	and	CCONJ
gujaf-141	45	10	findings	finding	NOUN
gujaf-141	45	11	of	of	ADP
gujaf-141	45	12	this	this	DET
gujaf-141	45	13	study	study	NOUN
gujaf-141	45	14	.	.	PUNCT
gujaf-141	46	1	section	section	NOUN
gujaf-141	46	2	five	five	NUM
gujaf-141	46	3	includes	include	VERB
gujaf-141	46	4	conclusion	conclusion	NOUN
gujaf-141	46	5	and	and	CCONJ
gujaf-141	46	6	recommendations	recommendation	NOUN
gujaf-141	46	7	of	of	ADP
gujaf-141	46	8	the	the	DET
gujaf-141	46	9	study	study	NOUN
gujaf-141	46	10	.	.	PUNCT
gujaf-141	47	1	2	2	X
gujaf-141	47	2	.	.	X
gujaf-141	47	3	literature	literature	NOUN
gujaf-141	47	4	review	review	NOUN
gujaf-141	47	5	this	this	DET
gujaf-141	47	6	concept	concept	NOUN
gujaf-141	47	7	provides	provide	VERB
gujaf-141	47	8	a	a	DET
gujaf-141	47	9	guide	guide	NOUN
gujaf-141	47	10	and	and	CCONJ
gujaf-141	47	11	details	detail	NOUN
gujaf-141	47	12	of	of	ADP
gujaf-141	47	13	the	the	DET
gujaf-141	47	14	independent	independent	ADJ
gujaf-141	47	15	,	,	PUNCT
gujaf-141	47	16	dependent	dependent	ADJ
gujaf-141	47	17	and	and	CCONJ
gujaf-141	47	18	moderating	moderating	NOUN
gujaf-141	47	19	variables	variable	NOUN
gujaf-141	47	20	with	with	ADP
gujaf-141	47	21	the	the	DET
gujaf-141	47	22	interrelationship	interrelationship	NOUN
gujaf-141	47	23	between	between	ADP
gujaf-141	47	24	and	and	CCONJ
gujaf-141	47	25	among	among	ADP
gujaf-141	47	26	variables	variable	NOUN
gujaf-141	47	27	.	.	PUNCT
gujaf-141	48	1	a	a	DET
gujaf-141	48	2	conceptual	conceptual	ADJ
gujaf-141	48	3	framework	framework	NOUN
gujaf-141	48	4	has	have	AUX
gujaf-141	48	5	been	be	AUX
gujaf-141	48	6	used	use	VERB
gujaf-141	48	7	in	in	ADP
gujaf-141	48	8	this	this	DET
gujaf-141	48	9	research	research	NOUN
gujaf-141	48	10	work	work	NOUN
gujaf-141	48	11	to	to	PART
gujaf-141	48	12	explain	explain	VERB
gujaf-141	48	13	the	the	DET
gujaf-141	48	14	possible	possible	ADJ
gujaf-141	48	15	courses	course	NOUN
gujaf-141	48	16	of	of	ADP
gujaf-141	48	17	action	action	NOUN
gujaf-141	48	18	or	or	CCONJ
gujaf-141	48	19	to	to	PART
gujaf-141	48	20	show	show	VERB
gujaf-141	48	21	a	a	DET
gujaf-141	48	22	thought	thought	NOUN
gujaf-141	48	23	or	or	CCONJ
gujaf-141	48	24	approach	approach	VERB
gujaf-141	48	25	to	to	ADP
gujaf-141	48	26	an	an	DET
gujaf-141	48	27	idea	idea	NOUN
gujaf-141	48	28	.	.	PUNCT
gujaf-141	49	1	2.1	2.1	NUM
gujaf-141	49	2	capital	capital	NOUN
gujaf-141	49	3	adequacy	adequacy	NOUN
gujaf-141	49	4	ratio	ratio	NOUN
gujaf-141	49	5	and	and	CCONJ
gujaf-141	49	6	financial	financial	ADJ
gujaf-141	49	7	performance	performance	NOUN
gujaf-141	49	8	the	the	DET
gujaf-141	49	9	impact	impact	NOUN
gujaf-141	49	10	of	of	ADP
gujaf-141	49	11	capital	capital	NOUN
gujaf-141	49	12	adequacy	adequacy	NOUN
gujaf-141	49	13	ratio	ratio	NOUN
gujaf-141	49	14	on	on	ADP
gujaf-141	49	15	banks	bank	NOUN
gujaf-141	49	16	performance	performance	NOUN
gujaf-141	49	17	can	can	AUX
gujaf-141	49	18	not	not	PART
gujaf-141	49	19	be	be	AUX
gujaf-141	49	20	underrated	underrate	VERB
gujaf-141	49	21	back	back	ADV
gujaf-141	49	22	of	of	ADP
gujaf-141	49	23	capital	capital	NOUN
gujaf-141	49	24	adequate	adequate	ADJ
gujaf-141	49	25	influences	influence	VERB
gujaf-141	49	26	the	the	DET
gujaf-141	49	27	amount	amount	NOUN
gujaf-141	49	28	of	of	ADP
gujaf-141	49	29	funds	fund	NOUN
gujaf-141	49	30	obtainable	obtainable	ADJ
gujaf-141	49	31	for	for	ADP
gujaf-141	49	32	loans	loan	NOUN
gujaf-141	49	33	,	,	PUNCT
gujaf-141	49	34	which	which	PRON
gujaf-141	49	35	constantly	constantly	ADV
gujaf-141	49	36	impact	impact	VERB
gujaf-141	49	37	the	the	DET
gujaf-141	49	38	level	level	NOUN
gujaf-141	49	39	and	and	CCONJ
gujaf-141	49	40	degree	degree	NOUN
gujaf-141	49	41	of	of	ADP
gujaf-141	49	42	danger	danger	NOUN
gujaf-141	49	43	absorption	absorption	NOUN
gujaf-141	49	44	mark	mark	NOUN
gujaf-141	49	45	et	et	PROPN
gujaf-141	49	46	al	al	PROPN
gujaf-141	49	47	(	(	PUNCT
gujaf-141	49	48	2019	2019	NUM
gujaf-141	49	49	)	)	PUNCT
gujaf-141	49	50	.	.	PUNCT
gujaf-141	50	1	it	it	PRON
gujaf-141	50	2	is	be	AUX
gujaf-141	50	3	clear	clear	ADJ
gujaf-141	50	4	that	that	SCONJ
gujaf-141	50	5	bank	bank	NOUN
gujaf-141	50	6	capital	capital	NOUN
gujaf-141	50	7	is	be	AUX
gujaf-141	50	8	act	act	NOUN
gujaf-141	50	9	as	as	ADP
gujaf-141	50	10	safeguard	safeguard	NOUN
gujaf-141	50	11	cushions	cushion	NOUN
gujaf-141	50	12	against	against	ADP
gujaf-141	50	13	losses	loss	NOUN
gujaf-141	50	14	drive	drive	NOUN
gujaf-141	50	15	-	-	PUNCT
gujaf-141	50	16	by	by	ADP
gujaf-141	50	17	certain	certain	ADJ
gujaf-141	50	18	kinds	kind	NOUN
gujaf-141	50	19	of	of	ADP
gujaf-141	50	20	dubiety	dubiety	NOUN
gujaf-141	50	21	.	.	PUNCT
gujaf-141	51	1	the	the	DET
gujaf-141	51	2	perspective	perspective	NOUN
gujaf-141	51	3	looks	look	VERB
gujaf-141	51	4	at	at	ADP
gujaf-141	51	5	capital	capital	NOUN
gujaf-141	51	6	as	as	ADP
gujaf-141	51	7	a	a	DET
gujaf-141	51	8	reserve	reserve	NOUN
gujaf-141	51	9	to	to	PART
gujaf-141	51	10	avoid	avoid	VERB
gujaf-141	51	11	default	default	NOUN
gujaf-141	51	12	and	and	CCONJ
gujaf-141	51	13	capital	capital	NOUN
gujaf-141	51	14	also	also	ADV
gujaf-141	51	15	acts	act	VERB
gujaf-141	51	16	as	as	ADP
gujaf-141	51	17	a	a	DET
gujaf-141	51	18	bumper	bumper	NOUN
gujaf-141	51	19	to	to	PART
gujaf-141	51	20	protect	protect	VERB
gujaf-141	51	21	depositors	depositor	NOUN
gujaf-141	51	22	and	and	CCONJ
gujaf-141	51	23	other	other	ADJ
gujaf-141	51	24	creditors	creditor	NOUN
gujaf-141	51	25	upon	upon	SCONJ
gujaf-141	51	26	misplacement	misplacement	NOUN
gujaf-141	51	27	at	at	ADP
gujaf-141	51	28	the	the	DET
gujaf-141	51	29	operating	operating	NOUN
gujaf-141	51	30	and	and	CCONJ
gujaf-141	51	31	liquidation	liquidation	NOUN
gujaf-141	51	32	stage	stage	NOUN
gujaf-141	51	33	(	(	PUNCT
gujaf-141	51	34	osunsan	osunsan	NOUN
gujaf-141	51	35	et	et	PROPN
gujaf-141	51	36	al	al	PROPN
gujaf-141	51	37	.	.	PROPN
gujaf-141	51	38	,2015	,2015	PUNCT
gujaf-141	51	39	)	)	PUNCT
gujaf-141	51	40	2.2	2.2	NUM
gujaf-141	51	41	bank	bank	NOUN
gujaf-141	51	42	size	size	NOUN
gujaf-141	51	43	and	and	CCONJ
gujaf-141	51	44	financial	financial	ADJ
gujaf-141	51	45	performance	performance	NOUN
gujaf-141	51	46	bank	bank	NOUN
gujaf-141	51	47	size	size	NOUN
gujaf-141	51	48	record	record	VERB
gujaf-141	51	49	the	the	DET
gujaf-141	51	50	existence	existence	NOUN
gujaf-141	51	51	of	of	ADP
gujaf-141	51	52	economies	economy	NOUN
gujaf-141	51	53	or	or	CCONJ
gujaf-141	51	54	diseconomies	diseconomie	NOUN
gujaf-141	51	55	of	of	ADP
gujaf-141	51	56	scale	scale	NOUN
gujaf-141	51	57	naceur	naceur	ADV
gujaf-141	51	58	&	&	CCONJ
gujaf-141	51	59	goaied	goaie	VERB
gujaf-141	51	60	(	(	PUNCT
gujaf-141	51	61	2008	2008	NUM
gujaf-141	51	62	)	)	PUNCT
gujaf-141	51	63	.	.	PUNCT
gujaf-141	52	1	the	the	DET
gujaf-141	52	2	variable	variable	NOUN
gujaf-141	52	3	is	be	AUX
gujaf-141	52	4	calculated	calculate	VERB
gujaf-141	52	5	as	as	ADP
gujaf-141	52	6	the	the	DET
gujaf-141	52	7	natural	natural	ADJ
gujaf-141	52	8	log	log	NOUN
gujaf-141	52	9	of	of	ADP
gujaf-141	52	10	total	total	ADJ
gujaf-141	52	11	assets	asset	NOUN
gujaf-141	52	12	(	(	PUNCT
gujaf-141	52	13	saona	saona	PROPN
gujaf-141	52	14	,	,	PUNCT
gujaf-141	52	15	2011	2011	NUM
gujaf-141	52	16	)	)	PUNCT
gujaf-141	52	17	.	.	PUNCT
gujaf-141	53	1	economic	economic	ADJ
gujaf-141	53	2	theory	theory	NOUN
gujaf-141	53	3	indicates	indicate	VERB
gujaf-141	53	4	that	that	SCONJ
gujaf-141	53	5	market	market	NOUN
gujaf-141	53	6	structure	structure	NOUN
gujaf-141	53	7	influence	influence	NOUN
gujaf-141	53	8	banks	bank	NOUN
gujaf-141	53	9	performance	performance	NOUN
gujaf-141	53	10	(	(	PUNCT
gujaf-141	53	11	ozili	ozili	NOUN
gujaf-141	53	12	,	,	PUNCT
gujaf-141	53	13	2019	2019	NUM
gujaf-141	53	14	)	)	PUNCT
gujaf-141	53	15	and	and	CCONJ
gujaf-141	53	16	that	that	SCONJ
gujaf-141	53	17	if	if	SCONJ
gujaf-141	53	18	an	an	DET
gujaf-141	53	19	company	company	NOUN
gujaf-141	53	20	is	be	AUX
gujaf-141	53	21	subject	subject	ADJ
gujaf-141	53	22	to	to	ADP
gujaf-141	53	23	economies	economy	NOUN
gujaf-141	53	24	of	of	ADP
gujaf-141	53	25	scale	scale	NOUN
gujaf-141	53	26	,	,	PUNCT
gujaf-141	53	27	bigger	big	ADJ
gujaf-141	53	28	institutions	institution	NOUN
gujaf-141	53	29	would	would	AUX
gujaf-141	53	30	be	be	AUX
gujaf-141	53	31	more	more	ADV
gujaf-141	53	32	efficient	efficient	ADJ
gujaf-141	53	33	and	and	CCONJ
gujaf-141	53	34	could	could	AUX
gujaf-141	53	35	provide	provide	VERB
gujaf-141	53	36	service	service	NOUN
gujaf-141	53	37	at	at	ADP
gujaf-141	53	38	a	a	DET
gujaf-141	53	39	small	small	ADJ
gujaf-141	53	40	cost	cost	NOUN
gujaf-141	53	41	(	(	PUNCT
gujaf-141	53	42	rasiah	rasiah	NOUN
gujaf-141	53	43	,	,	PUNCT
gujaf-141	53	44	2010	2010	NUM
gujaf-141	53	45	)	)	PUNCT
gujaf-141	53	46	.	.	PUNCT
gujaf-141	54	1	2.3	2.3	NUM
gujaf-141	54	2	income	income	NOUN
gujaf-141	54	3	diversification	diversification	NOUN
gujaf-141	54	4	and	and	CCONJ
gujaf-141	54	5	financial	financial	ADJ
gujaf-141	54	6	performance	performance	NOUN
gujaf-141	54	7	banks	bank	NOUN
gujaf-141	54	8	have	have	VERB
gujaf-141	54	9	to	to	PART
gujaf-141	54	10	move	move	VERB
gujaf-141	54	11	away	away	ADV
gujaf-141	54	12	from	from	ADP
gujaf-141	54	13	their	their	PRON
gujaf-141	54	14	heritage	heritage	NOUN
gujaf-141	54	15	activities	activity	NOUN
gujaf-141	54	16	,	,	PUNCT
gujaf-141	54	17	as	as	ADV
gujaf-141	54	18	far	far	ADV
gujaf-141	54	19	as	as	ADP
gujaf-141	54	20	sacrifice	sacrifice	NOUN
gujaf-141	54	21	more	more	ADV
gujaf-141	54	22	diversified	diversify	VERB
gujaf-141	54	23	services	service	NOUN
gujaf-141	54	24	as	as	SCONJ
gujaf-141	54	25	they	they	PRON
gujaf-141	54	26	face	face	VERB
gujaf-141	54	27	more	more	ADJ
gujaf-141	54	28	competition	competition	NOUN
gujaf-141	54	29	within	within	ADP
gujaf-141	54	30	the	the	DET
gujaf-141	54	31	banking	banking	NOUN
gujaf-141	54	32	industry	industry	NOUN
gujaf-141	54	33	as	as	ADV
gujaf-141	54	34	well	well	ADV
gujaf-141	54	35	from	from	ADP
gujaf-141	54	36	non	non	ADJ
gujaf-141	54	37	-	-	ADJ
gujaf-141	54	38	banking	banking	ADJ
gujaf-141	54	39	industries	industry	NOUN
gujaf-141	54	40	and	and	CCONJ
gujaf-141	54	41	capital	capital	NOUN
gujaf-141	54	42	markets	market	NOUN
gujaf-141	54	43	.	.	PUNCT
gujaf-141	55	1	income	income	NOUN
gujaf-141	55	2	diversification	diversification	NOUN
gujaf-141	55	3	is	be	AUX
gujaf-141	55	4	an	an	DET
gujaf-141	55	5	5	5	NUM
gujaf-141	55	6	option	option	NOUN
gujaf-141	55	7	means	mean	NOUN
gujaf-141	55	8	of	of	ADP
gujaf-141	55	9	income	income	NOUN
gujaf-141	55	10	other	other	ADJ
gujaf-141	55	11	than	than	ADP
gujaf-141	55	12	earning	earn	VERB
gujaf-141	55	13	from	from	ADP
gujaf-141	55	14	loans	loan	NOUN
gujaf-141	55	15	.	.	PUNCT
gujaf-141	56	1	it	it	PRON
gujaf-141	56	2	contains	contain	VERB
gujaf-141	56	3	fees	fee	NOUN
gujaf-141	56	4	gained	gain	VERB
gujaf-141	56	5	from	from	ADP
gujaf-141	56	6	sacrifice	sacrifice	NOUN
gujaf-141	56	7	unit	unit	NOUN
gujaf-141	56	8	trust	trust	PROPN
gujaf-141	56	9	services	services	PROPN
gujaf-141	56	10	,	,	PUNCT
gujaf-141	56	11	services	service	NOUN
gujaf-141	56	12	charges	charge	NOUN
gujaf-141	56	13	on	on	ADP
gujaf-141	56	14	deposit	deposit	NOUN
gujaf-141	56	15	accounts	account	NOUN
gujaf-141	56	16	,	,	PUNCT
gujaf-141	56	17	and	and	CCONJ
gujaf-141	56	18	charges	charge	NOUN
gujaf-141	56	19	for	for	ADP
gujaf-141	56	20	other	other	ADJ
gujaf-141	56	21	bank	bank	NOUN
gujaf-141	56	22	services	service	NOUN
gujaf-141	56	23	(	(	PUNCT
gujaf-141	56	24	ibenta	ibenta	NOUN
gujaf-141	56	25	,	,	PUNCT
gujaf-141	56	26	2018	2018	NUM
gujaf-141	56	27	)	)	PUNCT
gujaf-141	56	28	.	.	PUNCT
gujaf-141	57	1	2.4	2.4	NUM
gujaf-141	57	2	bank	bank	NOUN
gujaf-141	57	3	age	age	NOUN
gujaf-141	57	4	and	and	CCONJ
gujaf-141	57	5	financial	financial	ADJ
gujaf-141	57	6	performance	performance	NOUN
gujaf-141	57	7	researchers	researcher	NOUN
gujaf-141	57	8	have	have	AUX
gujaf-141	57	9	commenced	commence	VERB
gujaf-141	57	10	to	to	PART
gujaf-141	57	11	emolument	emolument	VERB
gujaf-141	57	12	more	more	ADJ
gujaf-141	57	13	concentration	concentration	NOUN
gujaf-141	57	14	in	in	ADP
gujaf-141	57	15	the	the	DET
gujaf-141	57	16	role	role	NOUN
gujaf-141	57	17	of	of	ADP
gujaf-141	57	18	age	age	NOUN
gujaf-141	57	19	on	on	ADP
gujaf-141	57	20	performance	performance	NOUN
gujaf-141	57	21	of	of	ADP
gujaf-141	57	22	surviving	survive	VERB
gujaf-141	57	23	banks	bank	NOUN
gujaf-141	57	24	(	(	PUNCT
gujaf-141	57	25	coad	coad	NOUN
gujaf-141	57	26	et	et	NOUN
gujaf-141	57	27	at	at	ADP
gujaf-141	57	28	,	,	PUNCT
gujaf-141	57	29	2013	2013	NUM
gujaf-141	57	30	)	)	PUNCT
gujaf-141	57	31	.	.	PUNCT
gujaf-141	58	1	studies	study	NOUN
gujaf-141	58	2	have	have	AUX
gujaf-141	58	3	examined	examine	VERB
gujaf-141	58	4	the	the	DET
gujaf-141	58	5	age	age	NOUN
gujaf-141	58	6	impact	impact	NOUN
gujaf-141	58	7	on	on	ADP
gujaf-141	58	8	new	new	ADJ
gujaf-141	58	9	banks	bank	NOUN
gujaf-141	58	10	(	(	PUNCT
gujaf-141	58	11	stam	stam	VERB
gujaf-141	58	12	&	&	CCONJ
gujaf-141	58	13	wennberg	wennberg	PROPN
gujaf-141	58	14	,	,	PUNCT
gujaf-141	58	15	2009	2009	NUM
gujaf-141	58	16	)	)	PUNCT
gujaf-141	58	17	.	.	PUNCT
gujaf-141	59	1	performance	performance	NOUN
gujaf-141	59	2	and	and	CCONJ
gujaf-141	59	3	characters	character	NOUN
gujaf-141	59	4	across	across	ADP
gujaf-141	59	5	banks	bank	NOUN
gujaf-141	59	6	of	of	ADP
gujaf-141	59	7	distant	distant	ADJ
gujaf-141	59	8	banks	bank	NOUN
gujaf-141	59	9	age	age	NOUN
gujaf-141	59	10	and	and	CCONJ
gujaf-141	59	11	wage	wage	NOUN
gujaf-141	59	12	payment	payment	NOUN
gujaf-141	59	13	levels	level	NOUN
gujaf-141	59	14	.	.	PUNCT
gujaf-141	60	1	hui	hui	PROPN
gujaf-141	60	2	,	,	PUNCT
gujaf-141	60	3	et	et	PROPN
gujaf-141	60	4	al	al	PROPN
gujaf-141	60	5	.	.	PROPN
gujaf-141	61	1	(	(	PUNCT
gujaf-141	61	2	2013	2013	NUM
gujaf-141	61	3	)	)	PUNCT
gujaf-141	61	4	nevertheless	nevertheless	ADV
gujaf-141	61	5	pointed	point	VERB
gujaf-141	61	6	out	out	ADP
gujaf-141	61	7	the	the	DET
gujaf-141	61	8	studies	study	NOUN
gujaf-141	61	9	on	on	ADP
gujaf-141	61	10	companies	company	NOUN
gujaf-141	61	11	age	age	NOUN
gujaf-141	61	12	and	and	CCONJ
gujaf-141	61	13	performance	performance	NOUN
gujaf-141	61	14	is	be	AUX
gujaf-141	61	15	scarce	scarce	ADJ
gujaf-141	61	16	in	in	ADP
gujaf-141	61	17	less	less	ADJ
gujaf-141	61	18	developed	developed	ADJ
gujaf-141	61	19	parts	part	NOUN
gujaf-141	61	20	of	of	ADP
gujaf-141	61	21	the	the	DET
gujaf-141	61	22	world	world	NOUN
gujaf-141	61	23	.	.	PUNCT
gujaf-141	62	1	previous	previous	ADJ
gujaf-141	62	2	studies	study	NOUN
gujaf-141	62	3	have	have	AUX
gujaf-141	62	4	shown	show	VERB
gujaf-141	62	5	that	that	SCONJ
gujaf-141	62	6	banks	bank	NOUN
gujaf-141	62	7	performance	performance	NOUN
gujaf-141	62	8	is	be	AUX
gujaf-141	62	9	a	a	DET
gujaf-141	62	10	many	many	ADV
gujaf-141	62	11	-	-	PUNCT
gujaf-141	62	12	sided	sided	ADJ
gujaf-141	62	13	experience	experience	NOUN
gujaf-141	62	14	,	,	PUNCT
gujaf-141	62	15	as	as	ADP
gujaf-141	62	16	(	(	PUNCT
gujaf-141	62	17	delmar	delmar	PROPN
gujaf-141	62	18	et	et	PROPN
gujaf-141	62	19	al	al	PROPN
gujaf-141	62	20	,	,	PUNCT
gujaf-141	62	21	2016	2016	NUM
gujaf-141	62	22	)	)	PUNCT
gujaf-141	62	23	.	.	PUNCT
gujaf-141	63	1	theoretical	theoretical	ADJ
gujaf-141	63	2	framework	framework	NOUN
gujaf-141	63	3	the	the	DET
gujaf-141	63	4	research	research	NOUN
gujaf-141	63	5	framework	framework	NOUN
gujaf-141	63	6	is	be	AUX
gujaf-141	63	7	as	as	SCONJ
gujaf-141	63	8	follows	follow	VERB
gujaf-141	63	9	figure	figure	VERB
gujaf-141	63	10	1	1	NUM
gujaf-141	63	11	this	this	DET
gujaf-141	63	12	study	study	NOUN
gujaf-141	63	13	for	for	ADP
gujaf-141	63	14	bank	bank	NOUN
gujaf-141	63	15	attributes	attribute	NOUN
gujaf-141	63	16	on	on	ADP
gujaf-141	63	17	financial	financial	ADJ
gujaf-141	63	18	performance	performance	NOUN
gujaf-141	63	19	of	of	ADP
gujaf-141	63	20	listed	list	VERB
gujaf-141	63	21	dmbs	dmb	NOUN
gujaf-141	63	22	in	in	ADP
gujaf-141	63	23	nigeria	nigeria	PROPN
gujaf-141	63	24	are	be	AUX
gujaf-141	63	25	examined	examine	VERB
gujaf-141	63	26	in	in	ADP
gujaf-141	63	27	range	range	NOUN
gujaf-141	63	28	of	of	ADP
gujaf-141	63	29	portfolio	portfolio	NOUN
gujaf-141	63	30	theory	theory	NOUN
gujaf-141	63	31	and	and	CCONJ
gujaf-141	63	32	agency	agency	NOUN
gujaf-141	63	33	theory	theory	NOUN
gujaf-141	63	34	.	.	PUNCT
gujaf-141	64	1	the	the	DET
gujaf-141	64	2	agency	agency	NOUN
gujaf-141	64	3	theory	theory	NOUN
gujaf-141	64	4	the	the	DET
gujaf-141	64	5	agency	agency	NOUN
gujaf-141	64	6	theory	theory	NOUN
gujaf-141	64	7	lookout	lookout	VERB
gujaf-141	64	8	the	the	DET
gujaf-141	64	9	firm	firm	NOUN
gujaf-141	64	10	as	as	ADP
gujaf-141	64	11	a	a	DET
gujaf-141	64	12	linkage	linkage	NOUN
gujaf-141	64	13	between	between	ADP
gujaf-141	64	14	the	the	DET
gujaf-141	64	15	principal	principal	NOUN
gujaf-141	64	16	(	(	PUNCT
gujaf-141	64	17	shareholders	shareholder	NOUN
gujaf-141	64	18	)	)	PUNCT
gujaf-141	64	19	and	and	CCONJ
gujaf-141	64	20	agents	agent	NOUN
gujaf-141	64	21	(	(	PUNCT
gujaf-141	64	22	managers	manager	NOUN
gujaf-141	64	23	)	)	PUNCT
gujaf-141	64	24	in	in	ADP
gujaf-141	64	25	which	which	DET
gujaf-141	64	26	decision	decision	NOUN
gujaf-141	64	27	-	-	PUNCT
gujaf-141	64	28	making	make	VERB
gujaf-141	64	29	power	power	NOUN
gujaf-141	64	30	is	be	AUX
gujaf-141	64	31	delegated	delegate	VERB
gujaf-141	64	32	to	to	ADP
gujaf-141	64	33	the	the	DET
gujaf-141	64	34	agent	agent	NOUN
gujaf-141	64	35	,	,	PUNCT
gujaf-141	64	36	purely	purely	ADV
gujaf-141	64	37	it	it	PRON
gujaf-141	64	38	can	can	AUX
gujaf-141	64	39	not	not	PART
gujaf-141	64	40	be	be	AUX
gujaf-141	64	41	warranted	warrant	VERB
gujaf-141	64	42	that	that	SCONJ
gujaf-141	64	43	the	the	DET
gujaf-141	64	44	decision	decision	NOUN
gujaf-141	64	45	of	of	ADP
gujaf-141	64	46	the	the	DET
gujaf-141	64	47	agent	agent	NOUN
gujaf-141	64	48	be	be	AUX
gujaf-141	64	49	aligned	align	VERB
gujaf-141	64	50	with	with	ADP
gujaf-141	64	51	the	the	DET
gujaf-141	64	52	interests	interest	NOUN
gujaf-141	64	53	of	of	ADP
gujaf-141	64	54	the	the	DET
gujaf-141	64	55	principal	principal	NOUN
gujaf-141	64	56	(	(	PUNCT
gujaf-141	64	57	gurbaxani	gurbaxani	PROPN
gujaf-141	64	58	&	&	CCONJ
gujaf-141	64	59	whang	whang	PROPN
gujaf-141	64	60	,	,	PUNCT
gujaf-141	64	61	1991	1991	NUM
gujaf-141	64	62	)	)	PUNCT
gujaf-141	64	63	.	.	PUNCT
gujaf-141	65	1	portfolio	portfolio	NOUN
gujaf-141	65	2	theory	theory	NOUN
gujaf-141	65	3	portfolio	portfolio	NOUN
gujaf-141	65	4	theory	theory	NOUN
gujaf-141	65	5	is	be	AUX
gujaf-141	65	6	the	the	DET
gujaf-141	65	7	most	most	ADV
gujaf-141	65	8	consequential	consequential	ADJ
gujaf-141	65	9	and	and	CCONJ
gujaf-141	65	10	plays	play	VERB
gujaf-141	65	11	a	a	DET
gujaf-141	65	12	role	role	NOUN
gujaf-141	65	13	in	in	ADP
gujaf-141	65	14	banking	banking	NOUN
gujaf-141	65	15	effort	effort	NOUN
gujaf-141	65	16	.	.	PUNCT
gujaf-141	66	1	according	accord	VERB
gujaf-141	66	2	to	to	ADP
gujaf-141	66	3	abdulazeez	abdulazeez	PROPN
gujaf-141	66	4	et	et	PROPN
gujaf-141	66	5	al	al	PROPN
gujaf-141	66	6	.	.	PUNCT
gujaf-141	67	1	(	(	PUNCT
gujaf-141	67	2	2016	2016	NUM
gujaf-141	67	3	)	)	PUNCT
gujaf-141	67	4	portfolio	portfolio	NOUN
gujaf-141	67	5	equilibrium	equilibrium	NOUN
gujaf-141	67	6	classic	classic	NOUN
gujaf-141	67	7	of	of	ADP
gujaf-141	67	8	asset	asset	NOUN
gujaf-141	67	9	diversification	diversification	NOUN
gujaf-141	67	10	,	,	PUNCT
gujaf-141	67	11	the	the	DET
gujaf-141	67	12	easier	easy	ADJ
gujaf-141	67	13	way	way	NOUN
gujaf-141	67	14	of	of	ADP
gujaf-141	67	15	holding	holding	NOUN
gujaf-141	67	16	of	of	ADP
gujaf-141	67	17	each	each	DET
gujaf-141	67	18	asset	asset	NOUN
gujaf-141	67	19	in	in	ADP
gujaf-141	67	20	a	a	DET
gujaf-141	67	21	capital	capital	NOUN
gujaf-141	67	22	owners	owner	NOUN
gujaf-141	67	23	’	'	PUNCT
gujaf-141	67	24	capital	capital	NOUN
gujaf-141	67	25	adequacy	adequacy	NOUN
gujaf-141	67	26	ratio	ratio	NOUN
gujaf-141	67	27	bank	bank	PROPN
gujaf-141	67	28	size	size	NOUN
gujaf-141	67	29	income	income	NOUN
gujaf-141	67	30	diversification	diversification	PROPN
gujaf-141	67	31	bank	bank	PROPN
gujaf-141	67	32	age	age	NOUN
gujaf-141	67	33	profitability	profitability	NOUN
gujaf-141	67	34	6	6	NUM
gujaf-141	67	35	portfolio	portfolio	NOUN
gujaf-141	67	36	is	be	AUX
gujaf-141	67	37	a	a	DET
gujaf-141	67	38	blast	blast	NOUN
gujaf-141	67	39	of	of	ADP
gujaf-141	67	40	policy	policy	NOUN
gujaf-141	67	41	decisions	decision	NOUN
gujaf-141	67	42	adjudicate	adjudicate	VERB
gujaf-141	67	43	by	by	ADP
gujaf-141	67	44	a	a	DET
gujaf-141	67	45	number	number	NOUN
gujaf-141	67	46	of	of	ADP
gujaf-141	67	47	proxy	proxy	NOUN
gujaf-141	67	48	such	such	ADJ
gujaf-141	67	49	as	as	ADP
gujaf-141	67	50	the	the	DET
gujaf-141	67	51	vector	vector	NOUN
gujaf-141	67	52	of	of	ADP
gujaf-141	67	53	rates	rate	NOUN
gujaf-141	67	54	of	of	ADP
gujaf-141	67	55	return	return	NOUN
gujaf-141	67	56	held	hold	VERB
gujaf-141	67	57	in	in	ADP
gujaf-141	67	58	the	the	DET
gujaf-141	67	59	portfolio	portfolio	NOUN
gujaf-141	67	60	,	,	PUNCT
gujaf-141	67	61	a	a	DET
gujaf-141	67	62	vector	vector	NOUN
gujaf-141	67	63	of	of	ADP
gujaf-141	67	64	risks	risk	NOUN
gujaf-141	67	65	that	that	PRON
gujaf-141	67	66	linkage	linkage	VERB
gujaf-141	67	67	with	with	ADP
gujaf-141	67	68	the	the	DET
gujaf-141	67	69	ownership	ownership	NOUN
gujaf-141	67	70	of	of	ADP
gujaf-141	67	71	each	each	DET
gujaf-141	67	72	financial	financial	ADJ
gujaf-141	67	73	assets	asset	NOUN
gujaf-141	67	74	and	and	CCONJ
gujaf-141	67	75	the	the	DET
gujaf-141	67	76	size	size	NOUN
gujaf-141	67	77	of	of	ADP
gujaf-141	67	78	the	the	DET
gujaf-141	67	79	portfolio	portfolio	NOUN
gujaf-141	67	80	.	.	PUNCT
gujaf-141	68	1	base	base	NOUN
gujaf-141	68	2	on	on	ADP
gujaf-141	68	3	this	this	DET
gujaf-141	68	4	studies	study	NOUN
gujaf-141	68	5	portfolio	portfolio	NOUN
gujaf-141	68	6	theory	theory	NOUN
gujaf-141	68	7	has	have	AUX
gujaf-141	68	8	been	be	AUX
gujaf-141	68	9	adapted	adapt	VERB
gujaf-141	68	10	.	.	PUNCT
gujaf-141	69	1	the	the	DET
gujaf-141	69	2	portfolio	portfolio	NOUN
gujaf-141	69	3	theory	theory	NOUN
gujaf-141	69	4	describes	describe	VERB
gujaf-141	69	5	that	that	SCONJ
gujaf-141	69	6	income	income	NOUN
gujaf-141	69	7	diversification	diversification	NOUN
gujaf-141	69	8	and	and	CCONJ
gujaf-141	69	9	wants	want	VERB
gujaf-141	69	10	portfolio	portfolio	NOUN
gujaf-141	69	11	to	to	PART
gujaf-141	69	12	be	be	AUX
gujaf-141	69	13	masterpiece	masterpiece	NOUN
gujaf-141	69	14	of	of	ADP
gujaf-141	69	15	conventional	conventional	ADJ
gujaf-141	69	16	banks	bank	NOUN
gujaf-141	69	17	are	be	AUX
gujaf-141	69	18	output	output	NOUN
gujaf-141	69	19	of	of	ADP
gujaf-141	69	20	making	make	VERB
gujaf-141	69	21	decisions	decision	NOUN
gujaf-141	69	22	by	by	ADP
gujaf-141	69	23	the	the	DET
gujaf-141	69	24	management	management	NOUN
gujaf-141	69	25	.	.	PUNCT
gujaf-141	70	1	3	3	X
gujaf-141	70	2	.	.	X
gujaf-141	70	3	methodology	methodology	NOUN
gujaf-141	70	4	this	this	DET
gujaf-141	70	5	study	study	NOUN
gujaf-141	70	6	uses	use	VERB
gujaf-141	70	7	correlation	correlation	NOUN
gujaf-141	70	8	research	research	NOUN
gujaf-141	70	9	design	design	NOUN
gujaf-141	70	10	,	,	PUNCT
gujaf-141	70	11	because	because	SCONJ
gujaf-141	70	12	it	it	PRON
gujaf-141	70	13	is	be	AUX
gujaf-141	70	14	likely	likely	ADJ
gujaf-141	70	15	to	to	PART
gujaf-141	70	16	demonstrate	demonstrate	VERB
gujaf-141	70	17	the	the	DET
gujaf-141	70	18	statistical	statistical	ADJ
gujaf-141	70	19	interrelation	interrelation	NOUN
gujaf-141	70	20	between	between	ADP
gujaf-141	70	21	two	two	NUM
gujaf-141	70	22	or	or	CCONJ
gujaf-141	70	23	more	more	ADJ
gujaf-141	70	24	variables	variable	NOUN
gujaf-141	70	25	.	.	PUNCT
gujaf-141	71	1	this	this	DET
gujaf-141	71	2	study	study	NOUN
gujaf-141	71	3	will	will	AUX
gujaf-141	71	4	match	match	VERB
gujaf-141	71	5	of	of	ADP
gujaf-141	71	6	all	all	DET
gujaf-141	71	7	the	the	DET
gujaf-141	71	8	seventeen	seventeen	NUM
gujaf-141	71	9	(	(	PUNCT
gujaf-141	71	10	17	17	NUM
gujaf-141	71	11	)	)	PUNCT
gujaf-141	71	12	nigerian	nigerian	PROPN
gujaf-141	71	13	dmbs	dmb	NOUN
gujaf-141	71	14	where	where	SCONJ
gujaf-141	71	15	are	be	AUX
gujaf-141	71	16	listed	list	VERB
gujaf-141	71	17	on	on	ADP
gujaf-141	71	18	the	the	DET
gujaf-141	71	19	nigerian	nigerian	ADJ
gujaf-141	71	20	stock	stock	NOUN
gujaf-141	71	21	exchange	exchange	PROPN
gujaf-141	71	22	(	(	PUNCT
gujaf-141	71	23	nse	nse	NOUN
gujaf-141	71	24	)	)	PUNCT
gujaf-141	71	25	as	as	ADP
gujaf-141	71	26	at	at	ADP
gujaf-141	71	27	31st	31st	PROPN
gujaf-141	71	28	december	december	PROPN
gujaf-141	71	29	,	,	PUNCT
gujaf-141	71	30	2020	2020	NUM
gujaf-141	71	31	.	.	PUNCT
gujaf-141	72	1	this	this	DET
gujaf-141	72	2	research	research	NOUN
gujaf-141	72	3	will	will	AUX
gujaf-141	72	4	adopt	adopt	VERB
gujaf-141	72	5	a	a	DET
gujaf-141	72	6	filtersampling	filtersample	VERB
gujaf-141	72	7	technique	technique	NOUN
gujaf-141	72	8	,	,	PUNCT
gujaf-141	72	9	to	to	PART
gujaf-141	72	10	arrive	arrive	VERB
gujaf-141	72	11	at	at	ADP
gujaf-141	72	12	thirteen	thirteen	NUM
gujaf-141	72	13	(	(	PUNCT
gujaf-141	72	14	13	13	NUM
gujaf-141	72	15	)	)	PUNCT
gujaf-141	72	16	representing	represent	VERB
gujaf-141	72	17	77	77	NUM
gujaf-141	72	18	%	%	NOUN
gujaf-141	72	19	of	of	ADP
gujaf-141	72	20	the	the	DET
gujaf-141	72	21	population	population	NOUN
gujaf-141	72	22	will	will	AUX
gujaf-141	72	23	be	be	AUX
gujaf-141	72	24	screened	screen	VERB
gujaf-141	72	25	as	as	ADP
gujaf-141	72	26	a	a	DET
gujaf-141	72	27	sample	sample	NOUN
gujaf-141	72	28	for	for	ADP
gujaf-141	72	29	this	this	DET
gujaf-141	72	30	study	study	NOUN
gujaf-141	72	31	,	,	PUNCT
gujaf-141	72	32	this	this	DET
gujaf-141	72	33	investigation	investigation	NOUN
gujaf-141	72	34	secondary	secondary	ADJ
gujaf-141	72	35	sources	source	NOUN
gujaf-141	72	36	of	of	ADP
gujaf-141	72	37	data	datum	NOUN
gujaf-141	72	38	collection	collection	NOUN
gujaf-141	72	39	where	where	SCONJ
gujaf-141	72	40	used	use	VERB
gujaf-141	72	41	,	,	PUNCT
gujaf-141	72	42	panel	panel	NOUN
gujaf-141	72	43	data	datum	NOUN
gujaf-141	72	44	will	will	AUX
gujaf-141	72	45	be	be	AUX
gujaf-141	72	46	generated	generate	VERB
gujaf-141	72	47	from	from	ADP
gujaf-141	72	48	annual	annual	ADJ
gujaf-141	72	49	reports	report	NOUN
gujaf-141	72	50	of	of	ADP
gujaf-141	72	51	the	the	DET
gujaf-141	72	52	selected	select	VERB
gujaf-141	72	53	dmbs	dmb	NOUN
gujaf-141	72	54	in	in	ADP
gujaf-141	72	55	nigeria	nigeria	PROPN
gujaf-141	72	56	.	.	PUNCT
gujaf-141	73	1	measurement	measurement	NOUN
gujaf-141	73	2	of	of	ADP
gujaf-141	73	3	variables	variable	NOUN
gujaf-141	73	4	table	table	NOUN
gujaf-141	73	5	1	1	NUM
gujaf-141	73	6	:	:	PUNCT
gujaf-141	73	7	variables	variables	PROPN
gujaf-141	73	8	measurement	measurement	NOUN
gujaf-141	73	9	variables	variable	VERB
gujaf-141	73	10	ratio	ratio	NOUN
gujaf-141	73	11	/	/	SYM
gujaf-141	73	12	symbol	symbol	NOUN
gujaf-141	73	13	proxy/	proxy/	NUM
gujaf-141	73	14	definition	definition	NOUN
gujaf-141	73	15	sources	source	NOUN
gujaf-141	73	16	profitability	profitability	NOUN
gujaf-141	73	17	return	return	NOUN
gujaf-141	73	18	on	on	ADP
gujaf-141	73	19	asset	asset	NOUN
gujaf-141	73	20	=	=	PUNCT
gujaf-141	74	1	roa	roa	NOUN
gujaf-141	74	2	earnings	earning	NOUN
gujaf-141	74	3	before	before	ADP
gujaf-141	74	4	interest	interest	NOUN
gujaf-141	74	5	and	and	CCONJ
gujaf-141	74	6	tax	tax	NOUN
gujaf-141	74	7	total	total	ADJ
gujaf-141	74	8	assets	asset	NOUN
gujaf-141	74	9	yunusa	yunusa	NOUN
gujaf-141	74	10	,	,	PUNCT
gujaf-141	74	11	2019	2019	NUM
gujaf-141	74	12	)	)	PUNCT
gujaf-141	74	13	(	(	PUNCT
gujaf-141	74	14	oyinpreye	oyinpreye	NOUN
gujaf-141	74	15	,	,	PUNCT
gujaf-141	74	16	2016	2016	NUM
gujaf-141	74	17	)	)	PUNCT
gujaf-141	74	18	capital	capital	NOUN
gujaf-141	74	19	adequacy	adequacy	NOUN
gujaf-141	74	20	ratio	ratio	NOUN
gujaf-141	74	21	total	total	NOUN
gujaf-141	74	22	equity	equity	NOUN
gujaf-141	74	23	to	to	PART
gujaf-141	74	24	risk	risk	VERB
gujaf-141	74	25	weighted	weight	VERB
gujaf-141	74	26	assets	asset	NOUN
gujaf-141	74	27	=	=	SYM
gujaf-141	74	28	car	car	NOUN
gujaf-141	74	29	total	total	NOUN
gujaf-141	74	30	equity	equity	NOUN
gujaf-141	74	31	total	total	NOUN
gujaf-141	74	32	loans	loan	NOUN
gujaf-141	74	33	&	&	CCONJ
gujaf-141	74	34	advance	advance	PROPN
gujaf-141	74	35	(	(	PUNCT
gujaf-141	74	36	assfaw	assfaw	PROPN
gujaf-141	74	37	,	,	PUNCT
gujaf-141	74	38	2018	2018	NUM
gujaf-141	74	39	)	)	PUNCT
gujaf-141	74	40	(	(	PUNCT
gujaf-141	74	41	ani	ani	X
gujaf-141	74	42	et	et	PROPN
gujaf-141	74	43	al	al	PROPN
gujaf-141	74	44	,	,	PUNCT
gujaf-141	74	45	2012	2012	NUM
gujaf-141	74	46	)	)	PUNCT
gujaf-141	74	47	bank	bank	NOUN
gujaf-141	74	48	size	size	NOUN
gujaf-141	74	49	logarithm	logarithm	NOUN
gujaf-141	74	50	of	of	ADP
gujaf-141	74	51	total	total	ADJ
gujaf-141	74	52	assets=	assets=	NUM
gujaf-141	74	53	bsize	bsize	VERB
gujaf-141	74	54	natural	natural	ADJ
gujaf-141	74	55	log	log	NOUN
gujaf-141	74	56	of	of	ADP
gujaf-141	74	57	total	total	ADJ
gujaf-141	74	58	assets	asset	NOUN
gujaf-141	74	59	(	(	PUNCT
gujaf-141	74	60	yunusa	yunusa	NOUN
gujaf-141	74	61	,	,	PUNCT
gujaf-141	74	62	2019	2019	NUM
gujaf-141	74	63	)	)	PUNCT
gujaf-141	74	64	(	(	PUNCT
gujaf-141	74	65	eyigege	eyigege	ADJ
gujaf-141	74	66	,	,	PUNCT
gujaf-141	74	67	2018	2018	NUM
gujaf-141	74	68	)	)	PUNCT
gujaf-141	74	69	income	income	NOUN
gujaf-141	74	70	diversification	diversification	NOUN
gujaf-141	74	71	non	non	ADJ
gujaf-141	74	72	-	-	ADJ
gujaf-141	74	73	interest	interest	ADJ
gujaf-141	74	74	income	income	NOUN
gujaf-141	74	75	to	to	ADP
gujaf-141	74	76	total	total	ADJ
gujaf-141	74	77	assets	asset	NOUN
gujaf-141	74	78	=	=	SYM
gujaf-141	74	79	ind	ind	X
gujaf-141	74	80	non	non	ADJ
gujaf-141	74	81	−	−	PROPN
gujaf-141	74	82	interest	interest	NOUN
gujaf-141	74	83	income	income	NOUN
gujaf-141	74	84	total	total	ADJ
gujaf-141	74	85	assets	asset	NOUN
gujaf-141	74	86	(	(	PUNCT
gujaf-141	74	87	muhammed	muhamme	VERB
gujaf-141	74	88	,	,	PUNCT
gujaf-141	74	89	2015	2015	NUM
gujaf-141	74	90	)	)	PUNCT
gujaf-141	74	91	(	(	PUNCT
gujaf-141	74	92	adina	adina	PROPN
gujaf-141	74	93	,	,	PUNCT
gujaf-141	74	94	2013	2013	NUM
gujaf-141	74	95	)	)	PUNCT
gujaf-141	74	96	bank	bank	NOUN
gujaf-141	74	97	age	age	NOUN
gujaf-141	74	98	logarithm	logarithm	NOUN
gujaf-141	74	99	of	of	ADP
gujaf-141	74	100	age	age	NOUN
gujaf-141	74	101	from	from	ADP
gujaf-141	74	102	date	date	NOUN
gujaf-141	74	103	of	of	ADP
gujaf-141	74	104	listing	list	VERB
gujaf-141	74	105	=	=	NOUN
gujaf-141	74	106	bage	bage	NOUN
gujaf-141	74	107	natural	natural	ADJ
gujaf-141	74	108	log	log	NOUN
gujaf-141	74	109	of	of	ADP
gujaf-141	74	110	bank	bank	NOUN
gujaf-141	74	111	age	age	NOUN
gujaf-141	74	112	(	(	PUNCT
gujaf-141	74	113	osunsan	osunsan	NOUN
gujaf-141	74	114	et	et	PROPN
gujaf-141	74	115	al	al	PROPN
gujaf-141	74	116	.	.	PROPN
gujaf-141	74	117	,	,	PUNCT
gujaf-141	74	118	2015	2015	NUM
gujaf-141	74	119	)	)	PUNCT
gujaf-141	74	120	source	source	NOUN
gujaf-141	74	121	:	:	PUNCT
gujaf-141	74	122	compiled	compile	VERB
gujaf-141	74	123	by	by	ADP
gujaf-141	74	124	the	the	DET
gujaf-141	74	125	authors	author	NOUN
gujaf-141	74	126	(	(	PUNCT
gujaf-141	74	127	2022	2022	NUM
gujaf-141	74	128	)	)	PUNCT
gujaf-141	74	129	7	7	NUM
gujaf-141	74	130	model	model	NOUN
gujaf-141	74	131	specification	specification	NOUN
gujaf-141	74	132	roait	roait	NOUN
gujaf-141	74	133	=	=	PUNCT
gujaf-141	74	134	α	α	PRON
gujaf-141	75	1	+	+	NOUN
gujaf-141	75	2	β1carit	β1carit	NOUN
gujaf-141	75	3	+	+	CCONJ
gujaf-141	75	4	β2bsizeit	β2bsizeit	X
gujaf-141	75	5	β5indit	β5indit	NOUN
gujaf-141	76	1	+	+	NOUN
gujaf-141	76	2	£	£	SYM
gujaf-141	76	3	it	it	PRON
gujaf-141	76	4	…	…	PUNCT
gujaf-141	76	5	…	…	PUNCT
gujaf-141	76	6	…	…	PUNCT
gujaf-141	76	7	…	…	PUNCT
gujaf-141	76	8	……	……	NOUN
gujaf-141	76	9	……	……	NOUN
gujaf-141	76	10	..	..	PUNCT
gujaf-141	76	11	(	(	PUNCT
gujaf-141	76	12	1	1	X
gujaf-141	76	13	)	)	PUNCT
gujaf-141	76	14	roait	roait	NOUN
gujaf-141	76	15	=	=	PUNCT
gujaf-141	76	16	α	α	PROPN
gujaf-141	77	1	+	+	NOUN
gujaf-141	77	2	β1carit	β1carit	NOUN
gujaf-141	77	3	β2bsizeit	β2bsizeit	PROPN
gujaf-141	77	4	+	+	CCONJ
gujaf-141	77	5	β3indit	β3indit	NOUN
gujaf-141	78	1	+	+	CCONJ
gujaf-141	78	2	β4bageit	β4bageit	PROPN
gujaf-141	78	3	+	+	CCONJ
gujaf-141	79	1	β5carit*ageit	β5carit*ageit	PROPN
gujaf-141	79	2	+	+	ADJ
gujaf-141	79	3	β6bsizeit*ageit	β6bsizeit*ageit	ADP
gujaf-141	79	4	+	+	ADJ
gujaf-141	79	5	β7indit*ageit	β7indit*ageit	PROPN
gujaf-141	79	6	+	+	CCONJ
gujaf-141	79	7	£	£	ADP
gujaf-141	79	8	it	it	PRON
gujaf-141	79	9	……	……	VERB
gujaf-141	79	10	……	……	NOUN
gujaf-141	79	11	(	(	PUNCT
gujaf-141	79	12	2	2	NUM
gujaf-141	79	13	)	)	PUNCT
gujaf-141	79	14	where	where	SCONJ
gujaf-141	79	15	as	as	ADP
gujaf-141	79	16	:	:	PUNCT
gujaf-141	79	17	roa	roa	PROPN
gujaf-141	79	18	=	=	PUNCT
gujaf-141	79	19	return	return	VERB
gujaf-141	79	20	on	on	ADP
gujaf-141	79	21	assets	asset	NOUN
gujaf-141	79	22	,	,	PUNCT
gujaf-141	79	23	car=	car=	PROPN
gujaf-141	79	24	capital	capital	NOUN
gujaf-141	79	25	adequacy	adequacy	NOUN
gujaf-141	79	26	ratio	ratio	NOUN
gujaf-141	79	27	,	,	PUNCT
gujaf-141	79	28	bsize	bsize	NOUN
gujaf-141	79	29	=	=	SYM
gujaf-141	79	30	bank	bank	NOUN
gujaf-141	79	31	size	size	NOUN
gujaf-141	79	32	,	,	PUNCT
gujaf-141	79	33	ind	ind	NOUN
gujaf-141	79	34	=	=	NOUN
gujaf-141	79	35	income	income	NOUN
gujaf-141	79	36	diversification	diversification	NOUN
gujaf-141	79	37	,	,	PUNCT
gujaf-141	79	38	age	age	NOUN
gujaf-141	79	39	=	=	SYM
gujaf-141	79	40	bank	bank	NOUN
gujaf-141	79	41	age	age	NOUN
gujaf-141	79	42	,	,	PUNCT
gujaf-141	79	43	α	α	NOUN
gujaf-141	79	44	=	=	SYM
gujaf-141	79	45	constant	constant	ADJ
gujaf-141	79	46	,	,	PUNCT
gujaf-141	79	47	β1	β1	NOUN
gujaf-141	79	48	-	-	PUNCT
gujaf-141	79	49	β7	β7	NOUN
gujaf-141	79	50	=	=	NOUN
gujaf-141	79	51	coefficient	coefficient	NOUN
gujaf-141	79	52	of	of	ADP
gujaf-141	79	53	the	the	DET
gujaf-141	79	54	variables	variable	NOUN
gujaf-141	79	55	,	,	PUNCT
gujaf-141	79	56	£	£	NOUN
gujaf-141	79	57	=	=	SYM
gujaf-141	79	58	error	error	NOUN
gujaf-141	79	59	term	term	NOUN
gujaf-141	79	60	,	,	PUNCT
gujaf-141	79	61	i	i	PROPN
gujaf-141	79	62	=	=	PROPN
gujaf-141	79	63	bank	bank	PROPN
gujaf-141	79	64	,	,	PUNCT
gujaf-141	79	65	t	t	NOUN
gujaf-141	79	66	=	=	PUNCT
gujaf-141	79	67	time	time	NOUN
gujaf-141	79	68	4	4	NUM
gujaf-141	79	69	.	.	NOUN
gujaf-141	79	70	results	result	NOUN
gujaf-141	79	71	and	and	CCONJ
gujaf-141	79	72	decisions	decision	NOUN
gujaf-141	79	73	table	table	VERB
gujaf-141	79	74	2	2	NUM
gujaf-141	79	75	:	:	PUNCT
gujaf-141	79	76	descriptive	descriptive	ADJ
gujaf-141	79	77	statistics	statistic	NOUN
gujaf-141	79	78	of	of	ADP
gujaf-141	79	79	the	the	DET
gujaf-141	79	80	variables	variable	NOUN
gujaf-141	79	81	variable	variable	ADJ
gujaf-141	79	82	mean	mean	NOUN
gujaf-141	79	83	std	std	X
gujaf-141	79	84	.	.	PUNCT
gujaf-141	80	1	div	div	PROPN
gujaf-141	80	2	minimum	minimum	PROPN
gujaf-141	80	3	maximum	maximum	ADJ
gujaf-141	80	4	roa	roa	PROPN
gujaf-141	80	5	0.070	0.070	NUM
gujaf-141	80	6	0.021	0.021	NUM
gujaf-141	80	7	-0.02	-0.02	NUM
gujaf-141	80	8	0.18	0.18	NUM
gujaf-141	80	9	car	car	NOUN
gujaf-141	80	10	0.542	0.542	NUM
gujaf-141	80	11	0.248	0.248	NUM
gujaf-141	80	12	0.06	0.06	NUM
gujaf-141	80	13	0.89	0.89	NUM
gujaf-141	80	14	bsize	bsize	NOUN
gujaf-141	80	15	23.273	23.273	NUM
gujaf-141	80	16	7.761	7.761	NUM
gujaf-141	80	17	18.520	18.520	NUM
gujaf-141	80	18	56.10	56.10	NUM
gujaf-141	80	19	ind	ind	NOUN
gujaf-141	80	20	0.205	0.205	NUM
gujaf-141	80	21	0.217	0.217	NUM
gujaf-141	80	22	0.03	0.03	NUM
gujaf-141	80	23	0.84	0.84	NUM
gujaf-141	80	24	bage	bage	NOUN
gujaf-141	80	25	1.208	1.208	NUM
gujaf-141	80	26	0.375	0.375	NUM
gujaf-141	80	27	0.23	0.23	NUM
gujaf-141	80	28	1.89	1.89	NUM
gujaf-141	80	29	source	source	NOUN
gujaf-141	80	30	:	:	PUNCT
gujaf-141	80	31	stata	stata	VERB
gujaf-141	80	32	13	13	NUM
gujaf-141	80	33	output	output	NOUN
gujaf-141	80	34	the	the	DET
gujaf-141	80	35	above	above	ADJ
gujaf-141	80	36	table	table	NOUN
gujaf-141	80	37	2	2	NUM
gujaf-141	80	38	acts	act	NOUN
gujaf-141	80	39	that	that	PRON
gujaf-141	80	40	measure	measure	NOUN
gujaf-141	80	41	of	of	ADP
gujaf-141	80	42	financial	financial	ADJ
gujaf-141	80	43	performance	performance	NOUN
gujaf-141	80	44	which	which	PRON
gujaf-141	80	45	proxy	proxy	NOUN
gujaf-141	80	46	by	by	ADP
gujaf-141	80	47	return	return	NOUN
gujaf-141	80	48	on	on	ADP
gujaf-141	80	49	asset	asset	NOUN
gujaf-141	80	50	(	(	PUNCT
gujaf-141	80	51	roa	roa	PROPN
gujaf-141	80	52	)	)	PUNCT
gujaf-141	80	53	of	of	ADP
gujaf-141	80	54	the	the	DET
gujaf-141	80	55	listed	list	VERB
gujaf-141	80	56	dmbs	dmb	NOUN
gujaf-141	80	57	has	have	AUX
gujaf-141	80	58	a	a	DET
gujaf-141	80	59	minimum	minimum	ADJ
gujaf-141	80	60	value	value	NOUN
gujaf-141	80	61	of	of	ADP
gujaf-141	80	62	-.02	-.02	PUNCT
gujaf-141	80	63	and	and	CCONJ
gujaf-141	80	64	the	the	DET
gujaf-141	80	65	maximum	maximum	NOUN
gujaf-141	80	66	is	be	AUX
gujaf-141	80	67	.18	.18	NUM
gujaf-141	80	68	.	.	PUNCT
gujaf-141	81	1	this	this	PRON
gujaf-141	81	2	implies	imply	VERB
gujaf-141	81	3	that	that	SCONJ
gujaf-141	81	4	the	the	DET
gujaf-141	81	5	banks	bank	NOUN
gujaf-141	81	6	that	that	PRON
gujaf-141	81	7	have	have	VERB
gujaf-141	81	8	lower	low	ADJ
gujaf-141	81	9	percentage	percentage	NOUN
gujaf-141	81	10	of	of	ADP
gujaf-141	81	11	2	2	NUM
gujaf-141	81	12	and	and	CCONJ
gujaf-141	81	13	higher	high	ADJ
gujaf-141	81	14	percentage	percentage	NOUN
gujaf-141	81	15	of	of	ADP
gujaf-141	81	16	18	18	NUM
gujaf-141	81	17	.	.	PUNCT
gujaf-141	82	1	this	this	PRON
gujaf-141	82	2	indicated	indicate	VERB
gujaf-141	82	3	that	that	SCONJ
gujaf-141	82	4	,	,	PUNCT
gujaf-141	82	5	banks	bank	NOUN
gujaf-141	82	6	that	that	PRON
gujaf-141	82	7	have	have	VERB
gujaf-141	82	8	2	2	NUM
gujaf-141	82	9	%	%	NOUN
gujaf-141	82	10	roa	roa	NOUN
gujaf-141	82	11	documented	document	VERB
gujaf-141	82	12	lower	low	ADJ
gujaf-141	82	13	financial	financial	ADJ
gujaf-141	82	14	performance	performance	NOUN
gujaf-141	82	15	,	,	PUNCT
gujaf-141	82	16	otherwise	otherwise	ADV
gujaf-141	82	17	a	a	DET
gujaf-141	82	18	higher	high	ADJ
gujaf-141	82	19	financial	financial	ADJ
gujaf-141	82	20	performance	performance	NOUN
gujaf-141	82	21	.	.	PUNCT
gujaf-141	83	1	the	the	DET
gujaf-141	83	2	mean	mean	NOUN
gujaf-141	83	3	is	be	AUX
gujaf-141	83	4	0.007	0.007	NUM
gujaf-141	83	5	,	,	PUNCT
gujaf-141	83	6	which	which	PRON
gujaf-141	83	7	indicates	indicate	VERB
gujaf-141	83	8	7	7	NUM
gujaf-141	83	9	%	%	NOUN
gujaf-141	83	10	average	average	ADJ
gujaf-141	83	11	financial	financial	ADJ
gujaf-141	83	12	performance	performance	NOUN
gujaf-141	83	13	in	in	ADP
gujaf-141	83	14	the	the	DET
gujaf-141	83	15	sampled	sample	VERB
gujaf-141	83	16	banks	bank	NOUN
gujaf-141	83	17	.	.	PUNCT
gujaf-141	84	1	the	the	DET
gujaf-141	84	2	capital	capital	NOUN
gujaf-141	84	3	adequacy	adequacy	NOUN
gujaf-141	84	4	ratio	ratio	NOUN
gujaf-141	84	5	(	(	PUNCT
gujaf-141	84	6	car	car	NOUN
gujaf-141	84	7	)	)	PUNCT
gujaf-141	84	8	indicate	indicate	VERB
gujaf-141	84	9	that	that	SCONJ
gujaf-141	84	10	a	a	DET
gujaf-141	84	11	fewer	few	ADJ
gujaf-141	84	12	of	of	ADP
gujaf-141	84	13	.06	.06	NUM
gujaf-141	84	14	and	and	CCONJ
gujaf-141	84	15	largest	large	ADJ
gujaf-141	84	16	of	of	ADP
gujaf-141	84	17	.89	.89	NUM
gujaf-141	84	18	.	.	PUNCT
gujaf-141	85	1	the	the	DET
gujaf-141	85	2	smallest	small	ADJ
gujaf-141	85	3	ratio	ratio	NOUN
gujaf-141	85	4	of	of	ADP
gujaf-141	85	5	capital	capital	NOUN
gujaf-141	85	6	adequacy	adequacy	NOUN
gujaf-141	85	7	is	be	AUX
gujaf-141	85	8	6	6	NUM
gujaf-141	85	9	%	%	NOUN
gujaf-141	85	10	and	and	CCONJ
gujaf-141	85	11	the	the	DET
gujaf-141	85	12	largest	large	ADJ
gujaf-141	85	13	ratio	ratio	NOUN
gujaf-141	85	14	is	be	AUX
gujaf-141	85	15	89	89	NUM
gujaf-141	85	16	%	%	NOUN
gujaf-141	85	17	.	.	PUNCT
gujaf-141	86	1	this	this	PRON
gujaf-141	86	2	means	mean	VERB
gujaf-141	86	3	that	that	SCONJ
gujaf-141	86	4	there	there	PRON
gujaf-141	86	5	is	be	VERB
gujaf-141	86	6	at	at	ADV
gujaf-141	86	7	least	least	ADJ
gujaf-141	86	8	six	six	NUM
gujaf-141	86	9	percent	percent	NOUN
gujaf-141	86	10	of	of	ADP
gujaf-141	86	11	capital	capital	NOUN
gujaf-141	86	12	adequacy	adequacy	NOUN
gujaf-141	86	13	ratio	ratio	NOUN
gujaf-141	86	14	and	and	CCONJ
gujaf-141	86	15	at	at	ADP
gujaf-141	86	16	most	most	ADJ
gujaf-141	86	17	banks	bank	NOUN
gujaf-141	86	18	have	have	VERB
gujaf-141	86	19	eighty	eighty	NUM
gujaf-141	86	20	-	-	PUNCT
gujaf-141	86	21	nine	nine	NUM
gujaf-141	86	22	percent	percent	NOUN
gujaf-141	86	23	capital	capital	NOUN
gujaf-141	86	24	adequacies	adequacy	NOUN
gujaf-141	86	25	of	of	ADP
gujaf-141	86	26	entire	entire	ADJ
gujaf-141	86	27	sampled	sample	VERB
gujaf-141	86	28	listed	list	VERB
gujaf-141	86	29	nigerian	nigerian	ADJ
gujaf-141	86	30	dmbs	dmb	NOUN
gujaf-141	86	31	.	.	PUNCT
gujaf-141	87	1	in	in	ADP
gujaf-141	87	2	addition	addition	NOUN
gujaf-141	87	3	,	,	PUNCT
gujaf-141	87	4	mean	mean	ADV
gujaf-141	87	5	is	be	AUX
gujaf-141	87	6	.542	.542	NUM
gujaf-141	87	7	,	,	PUNCT
gujaf-141	87	8	which	which	PRON
gujaf-141	87	9	shows	show	VERB
gujaf-141	87	10	most	most	ADJ
gujaf-141	87	11	of	of	ADP
gujaf-141	87	12	the	the	DET
gujaf-141	87	13	banks	bank	NOUN
gujaf-141	87	14	have	have	VERB
gujaf-141	87	15	averagely	averagely	ADV
gujaf-141	87	16	54	54	NUM
gujaf-141	87	17	%	%	NOUN
gujaf-141	87	18	of	of	ADP
gujaf-141	87	19	capital	capital	NOUN
gujaf-141	87	20	adequacy	adequacy	NOUN
gujaf-141	87	21	of	of	ADP
gujaf-141	87	22	listed	list	VERB
gujaf-141	87	23	nigeriandmbs	nigeriandmb	NOUN
gujaf-141	87	24	.	.	PUNCT
gujaf-141	88	1	the	the	DET
gujaf-141	88	2	standard	standard	ADJ
gujaf-141	88	3	deviations	deviation	NOUN
gujaf-141	88	4	are.248	are.248	ADP
gujaf-141	88	5	,	,	PUNCT
gujaf-141	88	6	which	which	PRON
gujaf-141	88	7	suggested	suggest	VERB
gujaf-141	88	8	that	that	SCONJ
gujaf-141	88	9	,	,	PUNCT
gujaf-141	88	10	the	the	DET
gujaf-141	88	11	data	datum	NOUN
gujaf-141	88	12	deviate	deviate	VERB
gujaf-141	88	13	from	from	ADP
gujaf-141	88	14	mean	mean	ADJ
gujaf-141	88	15	value	value	NOUN
gujaf-141	88	16	by	by	ADP
gujaf-141	88	17	approximately	approximately	ADV
gujaf-141	88	18	25	25	NUM
gujaf-141	88	19	%	%	NOUN
gujaf-141	88	20	.	.	PUNCT
gujaf-141	89	1	the	the	DET
gujaf-141	89	2	bank	bank	NOUN
gujaf-141	89	3	size	size	NOUN
gujaf-141	89	4	(	(	PUNCT
gujaf-141	89	5	bsize	bsize	VERB
gujaf-141	89	6	)	)	PUNCT
gujaf-141	89	7	indicate	indicate	VERB
gujaf-141	89	8	that	that	SCONJ
gujaf-141	89	9	a	a	DET
gujaf-141	89	10	smallest	small	ADJ
gujaf-141	89	11	and	and	CCONJ
gujaf-141	89	12	largest	large	ADJ
gujaf-141	89	13	of	of	ADP
gujaf-141	89	14	18.52	18.52	NUM
gujaf-141	89	15	and	and	CCONJ
gujaf-141	89	16	56.10	56.10	NUM
gujaf-141	89	17	respectively	respectively	ADV
gujaf-141	89	18	.	.	PUNCT
gujaf-141	90	1	this	this	PRON
gujaf-141	90	2	means	mean	VERB
gujaf-141	90	3	that	that	SCONJ
gujaf-141	90	4	the	the	DET
gujaf-141	90	5	smallest	small	ADJ
gujaf-141	90	6	capital	capital	NOUN
gujaf-141	90	7	is	be	AUX
gujaf-141	90	8	18.52billion	18.52billion	NUM
gujaf-141	90	9	of	of	ADP
gujaf-141	90	10	listed	list	VERB
gujaf-141	90	11	nigeria	nigeria	PROPN
gujaf-141	90	12	dmbs	dmb	NOUN
gujaf-141	90	13	and	and	CCONJ
gujaf-141	90	14	the	the	DET
gujaf-141	90	15	highest	high	ADJ
gujaf-141	90	16	number	number	NOUN
gujaf-141	90	17	is	be	AUX
gujaf-141	90	18	56.10billion	56.10billion	NUM
gujaf-141	90	19	.	.	PUNCT
gujaf-141	91	1	this	this	PRON
gujaf-141	91	2	shows	show	VERB
gujaf-141	91	3	that	that	SCONJ
gujaf-141	91	4	some	some	DET
gujaf-141	91	5	firms	firm	NOUN
gujaf-141	91	6	have	have	AUX
gujaf-141	91	7	violated	violate	VERB
gujaf-141	91	8	the	the	DET
gujaf-141	91	9	minimum	minimum	ADJ
gujaf-141	91	10	requirement	requirement	NOUN
gujaf-141	91	11	of	of	ADP
gujaf-141	91	12	twenty	twenty	NUM
gujaf-141	91	13	billion	billion	NUM
gujaf-141	91	14	capitalization	capitalization	NOUN
gujaf-141	91	15	policy	policy	NOUN
gujaf-141	91	16	by	by	ADP
gujaf-141	91	17	central	central	ADJ
gujaf-141	91	18	bank	bank	PROPN
gujaf-141	91	19	of	of	ADP
gujaf-141	91	20	nigeria	nigeria	PROPN
gujaf-141	91	21	(	(	PUNCT
gujaf-141	91	22	cbn	cbn	PROPN
gujaf-141	91	23	)	)	PUNCT
gujaf-141	91	24	.	.	PUNCT
gujaf-141	92	1	the	the	DET
gujaf-141	92	2	mean	mean	NOUN
gujaf-141	92	3	is	be	AUX
gujaf-141	92	4	23.273	23.273	NUM
gujaf-141	92	5	which	which	PRON
gujaf-141	92	6	indicate	indicate	VERB
gujaf-141	92	7	that	that	SCONJ
gujaf-141	92	8	on	on	ADP
gujaf-141	92	9	the	the	DET
gujaf-141	92	10	average	average	NOUN
gujaf-141	92	11	it	it	PRON
gujaf-141	92	12	can	can	AUX
gujaf-141	92	13	be	be	AUX
gujaf-141	92	14	said	say	VERB
gujaf-141	92	15	there	there	PRON
gujaf-141	92	16	are	be	VERB
gujaf-141	92	17	banks	bank	NOUN
gujaf-141	92	18	that	that	PRON
gujaf-141	92	19	have	have	VERB
gujaf-141	92	20	approximately	approximately	ADV
gujaf-141	92	21	twenty	twenty	NUM
gujaf-141	92	22	-	-	PUNCT
gujaf-141	92	23	three	three	NUM
gujaf-141	92	24	billion	billion	NUM
gujaf-141	92	25	capitals	capital	NOUN
gujaf-141	92	26	of	of	ADP
gujaf-141	92	27	nigeria	nigeria	PROPN
gujaf-141	92	28	dmbs	dmbs	PROPN
gujaf-141	92	29	.	.	PUNCT
gujaf-141	93	1	on	on	ADP
gujaf-141	93	2	average	average	ADJ
gujaf-141	93	3	the	the	DET
gujaf-141	93	4	banks	bank	NOUN
gujaf-141	93	5	have	have	VERB
gujaf-141	93	6	meet	meet	NOUN
gujaf-141	93	7	-	-	PUNCT
gujaf-141	93	8	up	up	NOUN
gujaf-141	93	9	with	with	ADP
gujaf-141	93	10	the	the	DET
gujaf-141	93	11	requirement	requirement	NOUN
gujaf-141	93	12	8	8	NUM
gujaf-141	93	13	of	of	ADP
gujaf-141	93	14	the	the	DET
gujaf-141	93	15	cbn	cbn	PROPN
gujaf-141	93	16	.	.	PUNCT
gujaf-141	94	1	furthermore	furthermore	ADV
gujaf-141	94	2	,	,	PUNCT
gujaf-141	94	3	income	income	NOUN
gujaf-141	94	4	diversification	diversification	NOUN
gujaf-141	94	5	(	(	PUNCT
gujaf-141	94	6	ind	ind	NOUN
gujaf-141	94	7	)	)	PUNCT
gujaf-141	94	8	has	have	VERB
gujaf-141	94	9	means	mean	NOUN
gujaf-141	94	10	of	of	ADP
gujaf-141	94	11	0.205	0.205	NUM
gujaf-141	94	12	.	.	PUNCT
gujaf-141	95	1	this	this	PRON
gujaf-141	95	2	indicated	indicate	VERB
gujaf-141	95	3	the	the	DET
gujaf-141	95	4	average	average	ADJ
gujaf-141	95	5	21	21	NUM
gujaf-141	95	6	%	%	NOUN
gujaf-141	95	7	of	of	ADP
gujaf-141	95	8	the	the	DET
gujaf-141	95	9	directors	director	NOUN
gujaf-141	95	10	in	in	ADP
gujaf-141	95	11	the	the	DET
gujaf-141	95	12	main	main	ADJ
gujaf-141	95	13	board	board	NOUN
gujaf-141	95	14	have	have	AUX
gujaf-141	95	15	accounting	account	VERB
gujaf-141	95	16	and	and	CCONJ
gujaf-141	95	17	financial	financial	ADJ
gujaf-141	95	18	knowledge	knowledge	NOUN
gujaf-141	95	19	.	.	PUNCT
gujaf-141	96	1	the	the	DET
gujaf-141	96	2	smallest	small	ADJ
gujaf-141	96	3	and	and	CCONJ
gujaf-141	96	4	largest	large	ADJ
gujaf-141	96	5	level	level	NOUN
gujaf-141	96	6	of	of	ADP
gujaf-141	96	7	the	the	DET
gujaf-141	96	8	board	board	NOUN
gujaf-141	96	9	financial	financial	ADJ
gujaf-141	96	10	expertise	expertise	NOUN
gujaf-141	96	11	is	be	AUX
gujaf-141	96	12	0.03	0.03	NUM
gujaf-141	96	13	and	and	CCONJ
gujaf-141	96	14	0.84	0.84	NUM
gujaf-141	96	15	respectively	respectively	ADV
gujaf-141	96	16	.	.	PUNCT
gujaf-141	97	1	this	this	PRON
gujaf-141	97	2	indicated	indicate	VERB
gujaf-141	97	3	that	that	SCONJ
gujaf-141	97	4	some	some	PRON
gujaf-141	97	5	of	of	ADP
gujaf-141	97	6	the	the	DET
gujaf-141	97	7	deposit	deposit	NOUN
gujaf-141	97	8	money	money	NOUN
gujaf-141	97	9	banks	bank	NOUN
gujaf-141	97	10	have	have	VERB
gujaf-141	97	11	three	three	NUM
gujaf-141	97	12	percent	percent	NOUN
gujaf-141	97	13	diversify	diversify	VERB
gujaf-141	97	14	their	their	PRON
gujaf-141	97	15	income	income	NOUN
gujaf-141	97	16	,	,	PUNCT
gujaf-141	97	17	but	but	CCONJ
gujaf-141	97	18	some	some	DET
gujaf-141	97	19	banks	bank	NOUN
gujaf-141	97	20	have	have	AUX
gujaf-141	97	21	diversified	diversify	VERB
gujaf-141	97	22	about	about	ADV
gujaf-141	97	23	eighty	eighty	NUM
gujaf-141	97	24	-	-	PUNCT
gujaf-141	97	25	four	four	NUM
gujaf-141	97	26	percent	percent	NOUN
gujaf-141	97	27	of	of	ADP
gujaf-141	97	28	their	their	PRON
gujaf-141	97	29	income	income	NOUN
gujaf-141	97	30	to	to	ADP
gujaf-141	97	31	other	other	ADJ
gujaf-141	97	32	activities	activity	NOUN
gujaf-141	97	33	.	.	PUNCT
gujaf-141	98	1	finally	finally	ADV
gujaf-141	98	2	,	,	PUNCT
gujaf-141	98	3	the	the	DET
gujaf-141	98	4	bank	bank	NOUN
gujaf-141	98	5	age	age	NOUN
gujaf-141	98	6	(	(	PUNCT
gujaf-141	98	7	bage	bage	NOUN
gujaf-141	98	8	)	)	PUNCT
gujaf-141	98	9	indicates	indicate	VERB
gujaf-141	98	10	that	that	SCONJ
gujaf-141	98	11	a	a	DET
gujaf-141	98	12	minimum	minimum	NOUN
gujaf-141	98	13	of	of	ADP
gujaf-141	98	14	.23	.23	NUM
gujaf-141	98	15	and	and	CCONJ
gujaf-141	98	16	maximum	maximum	NOUN
gujaf-141	98	17	of	of	ADP
gujaf-141	98	18	1.89	1.89	NUM
gujaf-141	98	19	.	.	PUNCT
gujaf-141	99	1	this	this	PRON
gujaf-141	99	2	indicates	indicate	VERB
gujaf-141	99	3	little	little	ADJ
gujaf-141	99	4	age	age	NOUN
gujaf-141	99	5	of	of	ADP
gujaf-141	99	6	the	the	DET
gujaf-141	99	7	sampled	sample	VERB
gujaf-141	99	8	banks	bank	NOUN
gujaf-141	99	9	is	be	AUX
gujaf-141	99	10	23	23	NUM
gujaf-141	99	11	years	year	NOUN
gujaf-141	99	12	,	,	PUNCT
gujaf-141	99	13	while	while	SCONJ
gujaf-141	99	14	there	there	PRON
gujaf-141	99	15	are	be	VERB
gujaf-141	99	16	some	some	DET
gujaf-141	99	17	banks	bank	NOUN
gujaf-141	99	18	that	that	PRON
gujaf-141	99	19	are	be	AUX
gujaf-141	99	20	more	more	ADJ
gujaf-141	99	21	than	than	ADP
gujaf-141	99	22	one	one	NUM
gujaf-141	99	23	hundred	hundred	NUM
gujaf-141	99	24	and	and	CCONJ
gujaf-141	99	25	eighty	eighty	NUM
gujaf-141	99	26	-	-	PUNCT
gujaf-141	99	27	nine	nine	NUM
gujaf-141	99	28	years	year	NOUN
gujaf-141	99	29	.	.	PUNCT
gujaf-141	100	1	the	the	DET
gujaf-141	100	2	mean	mean	NOUN
gujaf-141	100	3	is	be	AUX
gujaf-141	100	4	1.208	1.208	NUM
gujaf-141	100	5	which	which	PRON
gujaf-141	100	6	indicates	indicate	VERB
gujaf-141	100	7	that	that	SCONJ
gujaf-141	100	8	on	on	ADP
gujaf-141	100	9	the	the	DET
gujaf-141	100	10	average	average	NOUN
gujaf-141	100	11	it	it	PRON
gujaf-141	100	12	can	can	AUX
gujaf-141	100	13	be	be	AUX
gujaf-141	100	14	said	say	VERB
gujaf-141	100	15	there	there	PRON
gujaf-141	100	16	are	be	VERB
gujaf-141	100	17	banks	bank	NOUN
gujaf-141	100	18	that	that	PRON
gujaf-141	100	19	have	have	VERB
gujaf-141	100	20	approximately	approximately	ADV
gujaf-141	100	21	one	one	NUM
gujaf-141	100	22	hundred	hundred	NUM
gujaf-141	100	23	and	and	CCONJ
gujaf-141	100	24	twenty	twenty	NUM
gujaf-141	100	25	years	year	NOUN
gujaf-141	100	26	of	of	ADP
gujaf-141	100	27	listed	list	VERB
gujaf-141	100	28	deposit	deposit	NOUN
gujaf-141	100	29	money	money	NOUN
gujaf-141	100	30	bank	bank	NOUN
gujaf-141	100	31	in	in	ADP
gujaf-141	100	32	nigeria	nigeria	PROPN
gujaf-141	100	33	.	.	PUNCT
gujaf-141	101	1	table	table	NOUN
gujaf-141	101	2	3	3	NUM
gujaf-141	101	3	:	:	PUNCT
gujaf-141	101	4	correlation	correlation	NOUN
gujaf-141	101	5	matrix	matrix	NOUN
gujaf-141	101	6	variables	variable	VERB
gujaf-141	101	7	roa	roa	PROPN
gujaf-141	101	8	car	car	NOUN
gujaf-141	101	9	bsize	bsize	NOUN
gujaf-141	101	10	ind	ind	PROPN
gujaf-141	101	11	age	age	PROPN
gujaf-141	101	12	roa	roa	PROPN
gujaf-141	101	13	1.0000	1.0000	NUM
gujaf-141	101	14	car	car	NOUN
gujaf-141	101	15	-0.3348	-0.3348	NOUN
gujaf-141	101	16	1.0000	1.0000	NUM
gujaf-141	101	17	bsize	bsize	VERB
gujaf-141	101	18	0.2758	0.2758	NUM
gujaf-141	101	19	0.0037	0.0037	NUM
gujaf-141	101	20	1.0000	1.0000	NUM
gujaf-141	101	21	ind	ind	NOUN
gujaf-141	102	1	0.0308	0.0308	NUM
gujaf-141	102	2	0.1298	0.1298	NUM
gujaf-141	102	3	0.1658	0.1658	NUM
gujaf-141	102	4	1.0000	1.0000	NUM
gujaf-141	102	5	bage	bage	NOUN
gujaf-141	102	6	0.0760	0.0760	NUM
gujaf-141	102	7	-0.0449	-0.0449	NOUN
gujaf-141	102	8	0.1778	0.1778	NUM
gujaf-141	102	9	-0.0632	-0.0632	NOUN
gujaf-141	102	10	1.0000	1.0000	NUM
gujaf-141	102	11	source	source	NOUN
gujaf-141	102	12	:	:	PUNCT
gujaf-141	102	13	stata	stata	VERB
gujaf-141	102	14	13	13	NUM
gujaf-141	102	15	output	output	NOUN
gujaf-141	102	16	the	the	DET
gujaf-141	102	17	table	table	NOUN
gujaf-141	102	18	shows	show	VERB
gujaf-141	102	19	that	that	SCONJ
gujaf-141	102	20	car	car	NOUN
gujaf-141	102	21	has	have	VERB
gujaf-141	102	22	negative	negative	ADJ
gujaf-141	102	23	association	association	NOUN
gujaf-141	102	24	with	with	ADP
gujaf-141	102	25	roa	roa	PROPN
gujaf-141	102	26	of	of	ADP
gujaf-141	102	27	listed	list	VERB
gujaf-141	102	28	dmbs	dmb	NOUN
gujaf-141	102	29	in	in	ADP
gujaf-141	102	30	nigeria	nigeria	PROPN
gujaf-141	102	31	.	.	PUNCT
gujaf-141	103	1	the	the	PRON
gujaf-141	103	2	indicates	indicate	VERB
gujaf-141	103	3	that	that	SCONJ
gujaf-141	103	4	an	an	DET
gujaf-141	103	5	improvement	improvement	NOUN
gujaf-141	103	6	in	in	ADP
gujaf-141	103	7	car	car	NOUN
gujaf-141	103	8	lead	lead	NOUN
gujaf-141	103	9	to	to	ADP
gujaf-141	103	10	the	the	DET
gujaf-141	103	11	decrease	decrease	NOUN
gujaf-141	103	12	of	of	ADP
gujaf-141	103	13	roa	roa	NOUN
gujaf-141	103	14	of	of	ADP
gujaf-141	103	15	the	the	DET
gujaf-141	103	16	listed	list	VERB
gujaf-141	103	17	dmbs	dmb	NOUN
gujaf-141	103	18	in	in	ADP
gujaf-141	103	19	nigeria	nigeria	PROPN
gujaf-141	103	20	.	.	PUNCT
gujaf-141	104	1	while	while	SCONJ
gujaf-141	104	2	ind	ind	NOUN
gujaf-141	104	3	and	and	CCONJ
gujaf-141	104	4	bage	bage	NOUN
gujaf-141	104	5	have	have	VERB
gujaf-141	104	6	positive	positive	ADJ
gujaf-141	104	7	association	association	NOUN
gujaf-141	104	8	with	with	ADP
gujaf-141	104	9	roa	roa	PROPN
gujaf-141	104	10	of	of	ADP
gujaf-141	104	11	the	the	DET
gujaf-141	104	12	sampled	sample	VERB
gujaf-141	104	13	firms	firm	NOUN
gujaf-141	104	14	.	.	PUNCT
gujaf-141	105	1	the	the	DET
gujaf-141	105	2	correlation	correlation	NOUN
gujaf-141	105	3	result	result	VERB
gujaf-141	105	4	in	in	ADP
gujaf-141	105	5	respect	respect	NOUN
gujaf-141	105	6	to	to	ADP
gujaf-141	105	7	the	the	DET
gujaf-141	105	8	regressor	regressor	NOUN
gujaf-141	105	9	themselves	themselves	PRON
gujaf-141	105	10	is	be	AUX
gujaf-141	105	11	that	that	DET
gujaf-141	105	12	car	car	NOUN
gujaf-141	105	13	has	have	VERB
gujaf-141	105	14	a	a	DET
gujaf-141	105	15	positive	positive	ADJ
gujaf-141	105	16	association	association	NOUN
gujaf-141	105	17	with	with	ADP
gujaf-141	105	18	bsize	bsize	NOUN
gujaf-141	105	19	,	,	PUNCT
gujaf-141	105	20	and	and	CCONJ
gujaf-141	105	21	ind	ind	NOUN
gujaf-141	105	22	,	,	PUNCT
gujaf-141	105	23	but	but	CCONJ
gujaf-141	105	24	has	have	VERB
gujaf-141	105	25	negative	negative	ADJ
gujaf-141	105	26	relationship	relationship	NOUN
gujaf-141	105	27	with	with	ADP
gujaf-141	105	28	bage	bage	NOUN
gujaf-141	105	29	only	only	ADV
gujaf-141	105	30	.	.	PUNCT
gujaf-141	106	1	similarly	similarly	ADV
gujaf-141	106	2	,	,	PUNCT
gujaf-141	106	3	bsize	bsize	NOUN
gujaf-141	106	4	has	have	VERB
gujaf-141	106	5	a	a	DET
gujaf-141	106	6	positive	positive	ADJ
gujaf-141	106	7	interrelation	interrelation	NOUN
gujaf-141	106	8	with	with	ADP
gujaf-141	106	9	ind	ind	NOUN
gujaf-141	106	10	and	and	CCONJ
gujaf-141	106	11	bage	bage	NOUN
gujaf-141	106	12	.	.	PUNCT
gujaf-141	107	1	finally	finally	ADV
gujaf-141	107	2	,	,	PUNCT
gujaf-141	107	3	ind	ind	NOUN
gujaf-141	107	4	has	have	VERB
gujaf-141	107	5	a	a	DET
gujaf-141	107	6	negative	negative	ADJ
gujaf-141	107	7	association	association	NOUN
gujaf-141	107	8	with	with	ADP
gujaf-141	107	9	bage	bage	PROPN
gujaf-141	107	10	.	.	PUNCT
gujaf-141	107	11	table	table	NOUN
gujaf-141	107	12	4	4	NUM
gujaf-141	107	13	:	:	PUNCT
gujaf-141	107	14	random	random	ADJ
gujaf-141	107	15	effect	effect	NOUN
gujaf-141	107	16	regression	regression	NOUN
gujaf-141	107	17	result	result	VERB
gujaf-141	107	18	variable	variable	ADJ
gujaf-141	107	19	coefficient	coefficient	NOUN
gujaf-141	107	20	t.	t.	NOUN
gujaf-141	107	21	value	value	NOUN
gujaf-141	107	22	p.	p.	NOUN
gujaf-141	107	23	value	value	NOUN
gujaf-141	107	24	tolerance/	tolerance/	NUM
gujaf-141	107	25	vif	vif	NOUN
gujaf-141	107	26	constant	constant	ADJ
gujaf-141	107	27	.0720	.0720	PROPN
gujaf-141	107	28	8.69	8.69	NUM
gujaf-141	107	29	0.000	0.000	NUM
gujaf-141	107	30	car	car	NOUN
gujaf-141	107	31	-.0251	-.0251	PUNCT
gujaf-141	107	32	-3.35	-3.35	NUM
gujaf-141	107	33	0.001	0.001	NUM
gujaf-141	107	34	.981406/1.02	.981406/1.02	PROPN
gujaf-141	107	35	bsize	bsize	NOUN
gujaf-141	107	36	.0007	.0007	PROPN
gujaf-141	107	37	3.39	3.39	NUM
gujaf-141	107	38	0.001	0.001	NUM
gujaf-141	107	39	.948882/1.05	.948882/1.05	PUNCT
gujaf-141	108	1	ind	ind	NOUN
gujaf-141	108	2	.0089	.0089	PROPN
gujaf-141	108	3	1.01	1.01	NUM
gujaf-141	108	4	0.314	0.314	NUM
gujaf-141	108	5	.908216/1.10	.908216/1.10	PUNCT
gujaf-141	109	1	r	r	X
gujaf-141	109	2	-	-	PUNCT
gujaf-141	109	3	square	square	ADJ
gujaf-141	109	4	0.1905	0.1905	NUM
gujaf-141	109	5	wald	wald	PROPN
gujaf-141	109	6	ch2	ch2	PROPN
gujaf-141	109	7	28.75	28.75	NUM
gujaf-141	109	8	f	f	X
gujaf-141	109	9	-	-	PUNCT
gujaf-141	109	10	significant	significant	ADJ
gujaf-141	109	11	0.0000	0.0000	NUM
gujaf-141	109	12	hettestprob	hettestprob	NOUN
gujaf-141	109	13	>	>	X
gujaf-141	109	14	chi2	chi2	PROPN
gujaf-141	109	15	0.0665	0.0665	NUM
gujaf-141	109	16	9	9	NUM
gujaf-141	109	17	source	source	NOUN
gujaf-141	109	18	:	:	PUNCT
gujaf-141	109	19	stata	stata	VERB
gujaf-141	109	20	13	13	NUM
gujaf-141	109	21	output	output	NOUN
gujaf-141	109	22	4.1	4.1	NUM
gujaf-141	109	23	capital	capital	NOUN
gujaf-141	109	24	adequacy	adequacy	NOUN
gujaf-141	109	25	ratio	ratio	NOUN
gujaf-141	109	26	and	and	CCONJ
gujaf-141	109	27	financial	financial	ADJ
gujaf-141	109	28	performance	performance	NOUN
gujaf-141	109	29	the	the	DET
gujaf-141	109	30	regression	regression	NOUN
gujaf-141	109	31	result	result	NOUN
gujaf-141	109	32	in	in	ADP
gujaf-141	109	33	table	table	NOUN
gujaf-141	109	34	6	6	NUM
gujaf-141	109	35	shows	show	VERB
gujaf-141	109	36	that	that	SCONJ
gujaf-141	109	37	the	the	DET
gujaf-141	109	38	coefficient	coefficient	NOUN
gujaf-141	109	39	of	of	ADP
gujaf-141	109	40	car	car	NOUN
gujaf-141	109	41	is	be	AUX
gujaf-141	109	42	-0.251	-0.251	PUNCT
gujaf-141	109	43	and	and	CCONJ
gujaf-141	109	44	a	a	DET
gujaf-141	109	45	tvalue	tvalue	NOUN
gujaf-141	109	46	of	of	ADP
gujaf-141	109	47	-3.35	-3.35	NUM
gujaf-141	109	48	with	with	ADP
gujaf-141	109	49	a	a	DET
gujaf-141	109	50	p	p	NOUN
gujaf-141	109	51	-	-	PUNCT
gujaf-141	109	52	value	value	NOUN
gujaf-141	109	53	of	of	ADP
gujaf-141	109	54	0.001	0.001	NUM
gujaf-141	109	55	which	which	PRON
gujaf-141	109	56	is	be	AUX
gujaf-141	109	57	significant	significant	ADJ
gujaf-141	109	58	at	at	ADP
gujaf-141	109	59	1	1	NUM
gujaf-141	109	60	%	%	NOUN
gujaf-141	109	61	level	level	NOUN
gujaf-141	109	62	of	of	ADP
gujaf-141	109	63	significance	significance	NOUN
gujaf-141	109	64	.	.	PUNCT
gujaf-141	110	1	this	this	PRON
gujaf-141	110	2	indicates	indicate	VERB
gujaf-141	110	3	that	that	DET
gujaf-141	110	4	car	car	NOUN
gujaf-141	110	5	is	be	AUX
gujaf-141	110	6	negatively	negatively	ADV
gujaf-141	110	7	and	and	CCONJ
gujaf-141	110	8	significantly	significantly	ADV
gujaf-141	110	9	affecting	affect	VERB
gujaf-141	110	10	the	the	DET
gujaf-141	110	11	financial	financial	ADJ
gujaf-141	110	12	performance	performance	NOUN
gujaf-141	110	13	of	of	ADP
gujaf-141	110	14	listed	list	VERB
gujaf-141	110	15	dmbs	dmb	NOUN
gujaf-141	110	16	in	in	ADP
gujaf-141	110	17	nigeria	nigeria	PROPN
gujaf-141	110	18	.	.	PUNCT
gujaf-141	111	1	however	however	ADV
gujaf-141	111	2	,	,	PUNCT
gujaf-141	111	3	the	the	DET
gujaf-141	111	4	output	output	NOUN
gujaf-141	111	5	is	be	AUX
gujaf-141	111	6	unexpected	unexpected	ADJ
gujaf-141	111	7	as	as	SCONJ
gujaf-141	111	8	is	be	AUX
gujaf-141	111	9	not	not	PART
gujaf-141	111	10	in	in	ADP
gujaf-141	111	11	line	line	NOUN
gujaf-141	111	12	with	with	ADP
gujaf-141	111	13	the	the	DET
gujaf-141	111	14	researchers	researcher	NOUN
gujaf-141	111	15	’	'	PUNCT
gujaf-141	111	16	prior	prior	ADJ
gujaf-141	111	17	expectation	expectation	NOUN
gujaf-141	111	18	;	;	PUNCT
gujaf-141	111	19	adequate	adequate	ADJ
gujaf-141	111	20	capital	capital	NOUN
gujaf-141	111	21	to	to	PART
gujaf-141	111	22	run	run	VERB
gujaf-141	111	23	a	a	DET
gujaf-141	111	24	business	business	NOUN
gujaf-141	111	25	would	would	AUX
gujaf-141	111	26	lead	lead	VERB
gujaf-141	111	27	to	to	ADP
gujaf-141	111	28	good	good	ADJ
gujaf-141	111	29	financial	financial	ADJ
gujaf-141	111	30	result	result	NOUN
gujaf-141	111	31	.	.	PUNCT
gujaf-141	112	1	the	the	DET
gujaf-141	112	2	result	result	NOUN
gujaf-141	112	3	is	be	AUX
gujaf-141	112	4	contrary	contrary	ADJ
gujaf-141	112	5	with	with	ADP
gujaf-141	112	6	agency	agency	NOUN
gujaf-141	112	7	theory	theory	NOUN
gujaf-141	112	8	because	because	SCONJ
gujaf-141	112	9	management	management	NOUN
gujaf-141	112	10	is	be	AUX
gujaf-141	112	11	expected	expect	VERB
gujaf-141	112	12	to	to	PART
gujaf-141	112	13	act	act	VERB
gujaf-141	112	14	on	on	ADP
gujaf-141	112	15	the	the	DET
gujaf-141	112	16	shareholders	shareholder	NOUN
gujaf-141	112	17	’	’	PART
gujaf-141	112	18	interest	interest	NOUN
gujaf-141	112	19	.	.	PUNCT
gujaf-141	113	1	this	this	PRON
gujaf-141	113	2	is	be	AUX
gujaf-141	113	3	contrary	contrary	ADJ
gujaf-141	113	4	with	with	ADP
gujaf-141	113	5	the	the	DET
gujaf-141	113	6	findings	finding	NOUN
gujaf-141	113	7	of	of	ADP
gujaf-141	113	8	(	(	PUNCT
gujaf-141	113	9	mark	mark	PROPN
gujaf-141	113	10	et	et	PROPN
gujaf-141	113	11	al	al	PROPN
gujaf-141	113	12	.	.	PROPN
gujaf-141	113	13	,	,	PUNCT
gujaf-141	113	14	2018	2018	NUM
gujaf-141	113	15	)	)	PUNCT
gujaf-141	113	16	.	.	PUNCT
gujaf-141	114	1	4.2	4.2	NUM
gujaf-141	114	2	bank	bank	NOUN
gujaf-141	114	3	size	size	NOUN
gujaf-141	114	4	and	and	CCONJ
gujaf-141	114	5	financial	financial	ADJ
gujaf-141	114	6	performance	performance	NOUN
gujaf-141	114	7	this	this	PRON
gujaf-141	114	8	indicates	indicate	VERB
gujaf-141	114	9	that	that	SCONJ
gujaf-141	114	10	bank	bank	NOUN
gujaf-141	114	11	size	size	NOUN
gujaf-141	114	12	has	have	VERB
gujaf-141	114	13	a	a	DET
gujaf-141	114	14	coefficient	coefficient	NOUN
gujaf-141	114	15	of	of	ADP
gujaf-141	114	16	0.007	0.007	NUM
gujaf-141	114	17	and	and	CCONJ
gujaf-141	114	18	a	a	DET
gujaf-141	114	19	t	t	NOUN
gujaf-141	114	20	-	-	PUNCT
gujaf-141	114	21	value	value	NOUN
gujaf-141	114	22	of	of	ADP
gujaf-141	114	23	3.39	3.39	NUM
gujaf-141	114	24	with	with	ADP
gujaf-141	114	25	a	a	DET
gujaf-141	114	26	p	p	NOUN
gujaf-141	114	27	-	-	PUNCT
gujaf-141	114	28	value	value	NOUN
gujaf-141	114	29	of	of	ADP
gujaf-141	114	30	0.001	0.001	NUM
gujaf-141	114	31	,	,	PUNCT
gujaf-141	114	32	which	which	PRON
gujaf-141	114	33	is	be	AUX
gujaf-141	114	34	significant	significant	ADJ
gujaf-141	114	35	at	at	ADP
gujaf-141	114	36	1	1	NUM
gujaf-141	114	37	%	%	NOUN
gujaf-141	114	38	level	level	NOUN
gujaf-141	114	39	of	of	ADP
gujaf-141	114	40	significance	significance	NOUN
gujaf-141	114	41	.	.	PUNCT
gujaf-141	115	1	the	the	DET
gujaf-141	115	2	result	result	NOUN
gujaf-141	115	3	shows	show	VERB
gujaf-141	115	4	that	that	SCONJ
gujaf-141	115	5	,	,	PUNCT
gujaf-141	115	6	bank	bank	NOUN
gujaf-141	115	7	size	size	NOUN
gujaf-141	115	8	is	be	AUX
gujaf-141	115	9	positively	positively	ADV
gujaf-141	115	10	and	and	CCONJ
gujaf-141	115	11	significantly	significantly	ADV
gujaf-141	115	12	affecting	affect	VERB
gujaf-141	115	13	the	the	DET
gujaf-141	115	14	financial	financial	ADJ
gujaf-141	115	15	performance	performance	NOUN
gujaf-141	115	16	of	of	ADP
gujaf-141	115	17	the	the	DET
gujaf-141	115	18	listed	list	VERB
gujaf-141	115	19	dmbs	dmb	NOUN
gujaf-141	115	20	in	in	ADP
gujaf-141	115	21	nigeria	nigeria	PROPN
gujaf-141	115	22	.	.	PUNCT
gujaf-141	116	1	this	this	PRON
gujaf-141	116	2	suggests	suggest	VERB
gujaf-141	116	3	that	that	SCONJ
gujaf-141	116	4	the	the	DET
gujaf-141	116	5	larger	large	ADJ
gujaf-141	116	6	size	size	NOUN
gujaf-141	116	7	of	of	ADP
gujaf-141	116	8	the	the	DET
gujaf-141	116	9	bank	bank	NOUN
gujaf-141	116	10	,	,	PUNCT
gujaf-141	116	11	the	the	DET
gujaf-141	116	12	effectiveness	effectiveness	NOUN
gujaf-141	116	13	of	of	ADP
gujaf-141	116	14	the	the	DET
gujaf-141	116	15	financial	financial	ADJ
gujaf-141	116	16	performance	performance	NOUN
gujaf-141	116	17	.	.	PUNCT
gujaf-141	117	1	the	the	DET
gujaf-141	117	2	result	result	NOUN
gujaf-141	117	3	is	be	AUX
gujaf-141	117	4	not	not	PART
gujaf-141	117	5	unexpected	unexpected	ADJ
gujaf-141	117	6	as	as	ADP
gujaf-141	117	7	it`s	it`s	NUM
gujaf-141	117	8	in	in	ADP
gujaf-141	117	9	line	line	NOUN
gujaf-141	117	10	with	with	ADP
gujaf-141	117	11	the	the	DET
gujaf-141	117	12	researchers	researcher	NOUN
gujaf-141	117	13	’	'	PUNCT
gujaf-141	117	14	prior	prior	ADJ
gujaf-141	117	15	expectation	expectation	NOUN
gujaf-141	117	16	,	,	PUNCT
gujaf-141	117	17	big	big	ADJ
gujaf-141	117	18	banks	bank	NOUN
gujaf-141	117	19	are	be	AUX
gujaf-141	117	20	expected	expect	VERB
gujaf-141	117	21	to	to	PART
gujaf-141	117	22	provide	provide	VERB
gujaf-141	117	23	all	all	DET
gujaf-141	117	24	necessary	necessary	ADJ
gujaf-141	117	25	facilities	facility	NOUN
gujaf-141	117	26	that	that	PRON
gujaf-141	117	27	could	could	AUX
gujaf-141	117	28	be	be	AUX
gujaf-141	117	29	used	use	VERB
gujaf-141	117	30	to	to	PART
gujaf-141	117	31	improve	improve	VERB
gujaf-141	117	32	financial	financial	ADJ
gujaf-141	117	33	commitments	commitment	NOUN
gujaf-141	117	34	.	.	PUNCT
gujaf-141	118	1	the	the	DET
gujaf-141	118	2	finding	finding	NOUN
gujaf-141	118	3	of	of	ADP
gujaf-141	118	4	this	this	DET
gujaf-141	118	5	output	output	NOUN
gujaf-141	118	6	is	be	AUX
gujaf-141	118	7	not	not	PART
gujaf-141	118	8	with	with	ADP
gujaf-141	118	9	concept	concept	NOUN
gujaf-141	118	10	or	or	CCONJ
gujaf-141	118	11	line	line	NOUN
gujaf-141	118	12	of	of	ADP
gujaf-141	118	13	findings	finding	NOUN
gujaf-141	118	14	from	from	ADP
gujaf-141	118	15	ani	ani	NOUN
gujaf-141	118	16	,	,	PUNCT
gujaf-141	118	17	et	et	NOUN
gujaf-141	118	18	.	.	PUNCT
gujaf-141	119	1	al	al	PROPN
gujaf-141	119	2	.	.	PROPN
gujaf-141	120	1	(	(	PUNCT
gujaf-141	120	2	2012	2012	NUM
gujaf-141	120	3	)	)	PUNCT
gujaf-141	120	4	;	;	PUNCT
gujaf-141	120	5	aremu	aremu	NOUN
gujaf-141	120	6	,	,	PUNCT
gujaf-141	120	7	et.al	et.al	PROPN
gujaf-141	120	8	.	.	PUNCT
gujaf-141	121	1	(	(	PUNCT
gujaf-141	121	2	2013	2013	NUM
gujaf-141	121	3	)	)	PUNCT
gujaf-141	121	4	and	and	CCONJ
gujaf-141	121	5	monday	monday	PROPN
gujaf-141	121	6	et	et	PROPN
gujaf-141	121	7	al	al	PROPN
gujaf-141	121	8	.	.	PROPN
gujaf-141	122	1	(	(	PUNCT
gujaf-141	122	2	2019	2019	NUM
gujaf-141	122	3	)	)	PUNCT
gujaf-141	122	4	that	that	PRON
gujaf-141	122	5	found	find	VERB
gujaf-141	122	6	bsize	bsize	NOUN
gujaf-141	122	7	is	be	AUX
gujaf-141	122	8	insignificant	insignificant	ADJ
gujaf-141	122	9	influence	influence	NOUN
gujaf-141	122	10	on	on	ADP
gujaf-141	122	11	the	the	DET
gujaf-141	122	12	financial	financial	ADJ
gujaf-141	122	13	performance	performance	NOUN
gujaf-141	122	14	.	.	PUNCT
gujaf-141	123	1	4.3	4.3	NUM
gujaf-141	123	2	income	income	NOUN
gujaf-141	123	3	diversification	diversification	NOUN
gujaf-141	123	4	and	and	CCONJ
gujaf-141	123	5	financial	financial	ADJ
gujaf-141	123	6	performance	performance	NOUN
gujaf-141	123	7	this	this	PRON
gujaf-141	123	8	shows	show	VERB
gujaf-141	123	9	that	that	SCONJ
gujaf-141	123	10	the	the	DET
gujaf-141	123	11	coefficient	coefficient	NOUN
gujaf-141	123	12	and	and	CCONJ
gujaf-141	123	13	the	the	DET
gujaf-141	123	14	t	t	NOUN
gujaf-141	123	15	-	-	PUNCT
gujaf-141	123	16	value	value	NOUN
gujaf-141	123	17	of	of	ADP
gujaf-141	123	18	income	income	NOUN
gujaf-141	123	19	diversification	diversification	NOUN
gujaf-141	123	20	(	(	PUNCT
gujaf-141	123	21	ind	ind	NOUN
gujaf-141	123	22	)	)	PUNCT
gujaf-141	123	23	.0089	.0089	NOUN
gujaf-141	123	24	and	and	CCONJ
gujaf-141	123	25	1.01	1.01	NUM
gujaf-141	123	26	,	,	PUNCT
gujaf-141	123	27	respectively	respectively	ADV
gujaf-141	123	28	with	with	ADP
gujaf-141	123	29	the	the	DET
gujaf-141	123	30	p	p	NOUN
gujaf-141	123	31	-	-	PUNCT
gujaf-141	123	32	value	value	NOUN
gujaf-141	123	33	of	of	ADP
gujaf-141	123	34	0.314	0.314	NUM
gujaf-141	123	35	where	where	SCONJ
gujaf-141	123	36	is	be	AUX
gujaf-141	123	37	insignificant	insignificant	ADJ
gujaf-141	123	38	at	at	ADP
gujaf-141	123	39	any	any	DET
gujaf-141	123	40	level	level	NOUN
gujaf-141	123	41	of	of	ADP
gujaf-141	123	42	significance	significance	NOUN
gujaf-141	123	43	.	.	PUNCT
gujaf-141	124	1	the	the	DET
gujaf-141	124	2	result	result	NOUN
gujaf-141	124	3	shows	show	VERB
gujaf-141	124	4	that	that	SCONJ
gujaf-141	124	5	ind	ind	NOUN
gujaf-141	124	6	is	be	AUX
gujaf-141	124	7	not	not	PART
gujaf-141	124	8	significant	significant	ADJ
gujaf-141	124	9	impact	impact	NOUN
gujaf-141	124	10	on	on	ADP
gujaf-141	124	11	the	the	DET
gujaf-141	124	12	financial	financial	ADJ
gujaf-141	124	13	performance	performance	NOUN
gujaf-141	124	14	of	of	ADP
gujaf-141	124	15	the	the	DET
gujaf-141	124	16	listed	list	VERB
gujaf-141	124	17	dmbs	dmb	NOUN
gujaf-141	124	18	in	in	ADP
gujaf-141	124	19	nigeria	nigeria	PROPN
gujaf-141	124	20	.	.	PUNCT
gujaf-141	125	1	the	the	DET
gujaf-141	125	2	result	result	NOUN
gujaf-141	125	3	is	be	AUX
gujaf-141	125	4	not	not	PART
gujaf-141	125	5	in	in	ADP
gujaf-141	125	6	line	line	NOUN
gujaf-141	125	7	with	with	ADP
gujaf-141	125	8	reality	reality	NOUN
gujaf-141	125	9	that	that	SCONJ
gujaf-141	125	10	diversification	diversification	NOUN
gujaf-141	125	11	of	of	ADP
gujaf-141	125	12	income	income	NOUN
gujaf-141	125	13	from	from	ADP
gujaf-141	125	14	the	the	DET
gujaf-141	125	15	traditional	traditional	ADJ
gujaf-141	125	16	system	system	NOUN
gujaf-141	125	17	would	would	AUX
gujaf-141	125	18	increase	increase	VERB
gujaf-141	125	19	inflow	inflow	NOUN
gujaf-141	125	20	which	which	PRON
gujaf-141	125	21	as	as	ADV
gujaf-141	125	22	well	well	ADV
gujaf-141	125	23	improve	improve	VERB
gujaf-141	125	24	the	the	DET
gujaf-141	125	25	financial	financial	ADJ
gujaf-141	125	26	performance	performance	NOUN
gujaf-141	125	27	.	.	PUNCT
gujaf-141	126	1	the	the	DET
gujaf-141	126	2	statistical	statistical	ADJ
gujaf-141	126	3	result	result	NOUN
gujaf-141	126	4	is	be	AUX
gujaf-141	126	5	contrary	contrary	ADJ
gujaf-141	126	6	or	or	CCONJ
gujaf-141	126	7	inverse	inverse	NOUN
gujaf-141	126	8	to	to	ADP
gujaf-141	126	9	the	the	DET
gujaf-141	126	10	finding	finding	NOUN
gujaf-141	126	11	of	of	ADP
gujaf-141	126	12	chinye	chinye	PROPN
gujaf-141	126	13	,	,	PUNCT
gujaf-141	126	14	et	et	NOUN
gujaf-141	126	15	.	.	PUNCT
gujaf-141	127	1	al	al	PROPN
gujaf-141	127	2	.	.	PROPN
gujaf-141	128	1	(	(	PUNCT
gujaf-141	128	2	2013	2013	NUM
gujaf-141	128	3	)	)	PUNCT
gujaf-141	128	4	and	and	CCONJ
gujaf-141	128	5	ibenta	ibenta	NOUN
gujaf-141	128	6	(	(	PUNCT
gujaf-141	128	7	2018	2018	NUM
gujaf-141	128	8	)	)	PUNCT
gujaf-141	128	9	who	who	PRON
gujaf-141	128	10	arrived	arrive	VERB
gujaf-141	128	11	significant	significant	ADJ
gujaf-141	128	12	association	association	NOUN
gujaf-141	128	13	.	.	PUNCT
gujaf-141	129	1	table	table	NOUN
gujaf-141	129	2	5	5	NUM
gujaf-141	129	3	:	:	PUNCT
gujaf-141	129	4	regression	regression	NOUN
gujaf-141	129	5	result	result	NOUN
gujaf-141	129	6	for	for	ADP
gujaf-141	129	7	hypotheses	hypothesis	NOUN
gujaf-141	129	8	variable	variable	ADJ
gujaf-141	129	9	coefficient	coefficient	NOUN
gujaf-141	129	10	p	p	ADJ
gujaf-141	129	11	-	-	PUNCT
gujaf-141	129	12	value	value	NOUN
gujaf-141	129	13	car	car	NOUN
gujaf-141	129	14	-.0017	-.0017	PUNCT
gujaf-141	129	15	0.945	0.945	NUM
gujaf-141	129	16	bsize	bsize	VERB
gujaf-141	129	17	.0008	.0008	PROPN
gujaf-141	129	18	0.249	0.249	NUM
gujaf-141	129	19	ind	ind	PROPN
gujaf-141	129	20	-.0533	-.0533	PUNCT
gujaf-141	129	21	0.024	0.024	NUM
gujaf-141	129	22	bage	bage	PROPN
gujaf-141	129	23	.04898	.04898	PROPN
gujaf-141	129	24	0.025	0.025	NUM
gujaf-141	129	25	10	10	NUM
gujaf-141	129	26	carage	carage	NOUN
gujaf-141	129	27	-.0121	-.0121	PUNCT
gujaf-141	129	28	0.498	0.498	NUM
gujaf-141	129	29	bsizage	bsizage	NOUN
gujaf-141	129	30	-.0002	-.0002	PUNCT
gujaf-141	129	31	0.675	0.675	NUM
gujaf-141	129	32	indage	indage	ADJ
gujaf-141	129	33	.0435	.0435	NOUN
gujaf-141	129	34	0.018	0.018	NUM
gujaf-141	129	35	source	source	NOUN
gujaf-141	129	36	:	:	PUNCT
gujaf-141	129	37	stata	stata	VERB
gujaf-141	129	38	13	13	NUM
gujaf-141	129	39	output	output	NOUN
gujaf-141	129	40	ho1	ho1	NOUN
gujaf-141	129	41	:	:	PUNCT
gujaf-141	129	42	the	the	DET
gujaf-141	129	43	hypothesis	hypothesis	NOUN
gujaf-141	129	44	one	one	NOUN
gujaf-141	129	45	stated	state	VERB
gujaf-141	129	46	that	that	SCONJ
gujaf-141	129	47	:	:	PUNCT
gujaf-141	129	48	car	car	NOUN
gujaf-141	129	49	has	have	VERB
gujaf-141	129	50	no	no	DET
gujaf-141	129	51	significant	significant	ADJ
gujaf-141	129	52	effect	effect	NOUN
gujaf-141	129	53	on	on	ADP
gujaf-141	129	54	the	the	DET
gujaf-141	129	55	financial	financial	ADJ
gujaf-141	129	56	performance	performance	NOUN
gujaf-141	129	57	of	of	ADP
gujaf-141	129	58	the	the	DET
gujaf-141	129	59	dmbs	dmb	NOUN
gujaf-141	129	60	in	in	ADP
gujaf-141	129	61	nigeria	nigeria	PROPN
gujaf-141	129	62	.	.	PUNCT
gujaf-141	130	1	the	the	DET
gujaf-141	130	2	result	result	NOUN
gujaf-141	130	3	reveals	reveal	VERB
gujaf-141	130	4	that	that	SCONJ
gujaf-141	130	5	car	car	NOUN
gujaf-141	130	6	with	with	ADP
gujaf-141	130	7	a	a	DET
gujaf-141	130	8	coefficient	coefficient	NOUN
gujaf-141	130	9	of	of	ADP
gujaf-141	130	10	-0.0017	-0.0017	NOUN
gujaf-141	130	11	and	and	CCONJ
gujaf-141	130	12	a	a	DET
gujaf-141	130	13	p	p	NOUN
gujaf-141	130	14	-	-	PUNCT
gujaf-141	130	15	value	value	NOUN
gujaf-141	130	16	of	of	ADP
gujaf-141	130	17	0.945	0.945	NUM
gujaf-141	130	18	has	have	VERB
gujaf-141	130	19	negative	negative	ADJ
gujaf-141	130	20	and	and	CCONJ
gujaf-141	130	21	insignificant	insignificant	ADJ
gujaf-141	130	22	impact	impact	NOUN
gujaf-141	130	23	on	on	ADP
gujaf-141	130	24	the	the	DET
gujaf-141	130	25	financial	financial	ADJ
gujaf-141	130	26	performance	performance	NOUN
gujaf-141	130	27	of	of	ADP
gujaf-141	130	28	the	the	DET
gujaf-141	130	29	listed	list	VERB
gujaf-141	130	30	dmbs	dmb	NOUN
gujaf-141	130	31	in	in	ADP
gujaf-141	130	32	nigeria	nigeria	PROPN
gujaf-141	130	33	.	.	PUNCT
gujaf-141	131	1	therefore	therefore	ADV
gujaf-141	131	2	,	,	PUNCT
gujaf-141	131	3	the	the	DET
gujaf-141	131	4	result	result	NOUN
gujaf-141	131	5	provides	provide	VERB
gujaf-141	131	6	basis	basis	NOUN
gujaf-141	131	7	of	of	ADP
gujaf-141	131	8	not	not	PART
gujaf-141	131	9	to	to	PART
gujaf-141	131	10	reject	reject	VERB
gujaf-141	131	11	the	the	DET
gujaf-141	131	12	null	null	ADJ
gujaf-141	131	13	hypothesis	hypothesis	NOUN
gujaf-141	131	14	one	one	NUM
gujaf-141	131	15	of	of	ADP
gujaf-141	131	16	the	the	DET
gujaf-141	131	17	study	study	NOUN
gujaf-141	131	18	.	.	PUNCT
gujaf-141	132	1	therefore	therefore	ADV
gujaf-141	132	2	,	,	PUNCT
gujaf-141	132	3	the	the	DET
gujaf-141	132	4	hypothesis	hypothesis	NOUN
gujaf-141	132	5	one	one	NOUN
gujaf-141	132	6	is	be	AUX
gujaf-141	132	7	hereby	hereby	ADV
gujaf-141	132	8	fail	fail	VERB
gujaf-141	132	9	to	to	PART
gujaf-141	132	10	reject	reject	VERB
gujaf-141	132	11	.	.	PUNCT
gujaf-141	133	1	ho2	ho2	PROPN
gujaf-141	133	2	:	:	PUNCT
gujaf-141	133	3	bsize	bsize	NOUN
gujaf-141	133	4	has	have	VERB
gujaf-141	133	5	no	no	DET
gujaf-141	133	6	significant	significant	ADJ
gujaf-141	133	7	effect	effect	NOUN
gujaf-141	133	8	on	on	ADP
gujaf-141	133	9	the	the	DET
gujaf-141	133	10	financial	financial	ADJ
gujaf-141	133	11	performance	performance	NOUN
gujaf-141	133	12	of	of	ADP
gujaf-141	133	13	listed	list	VERB
gujaf-141	133	14	dmbs	dmb	NOUN
gujaf-141	133	15	in	in	ADP
gujaf-141	133	16	nigeria	nigeria	PROPN
gujaf-141	133	17	.	.	PUNCT
gujaf-141	134	1	this	this	DET
gujaf-141	134	2	result	result	NOUN
gujaf-141	134	3	reveals	reveal	VERB
gujaf-141	134	4	bsize	bsize	NOUN
gujaf-141	134	5	which	which	PRON
gujaf-141	134	6	has	have	VERB
gujaf-141	134	7	a	a	DET
gujaf-141	134	8	coefficient	coefficient	NOUN
gujaf-141	134	9	of	of	ADP
gujaf-141	134	10	0.0008	0.0008	NUM
gujaf-141	134	11	and	and	CCONJ
gujaf-141	134	12	a	a	DET
gujaf-141	134	13	p	p	NOUN
gujaf-141	134	14	-	-	PUNCT
gujaf-141	134	15	value	value	NOUN
gujaf-141	134	16	of	of	ADP
gujaf-141	134	17	0.249	0.249	NUM
gujaf-141	134	18	is	be	AUX
gujaf-141	134	19	positive	positive	ADJ
gujaf-141	134	20	and	and	CCONJ
gujaf-141	134	21	insignificant	insignificant	ADJ
gujaf-141	134	22	related	relate	VERB
gujaf-141	134	23	to	to	ADP
gujaf-141	134	24	the	the	DET
gujaf-141	134	25	financial	financial	ADJ
gujaf-141	134	26	performance	performance	NOUN
gujaf-141	134	27	of	of	ADP
gujaf-141	134	28	listed	list	VERB
gujaf-141	134	29	dmbs	dmb	NOUN
gujaf-141	134	30	in	in	ADP
gujaf-141	134	31	nigeria	nigeria	PROPN
gujaf-141	134	32	at	at	ADP
gujaf-141	134	33	any	any	DET
gujaf-141	134	34	level	level	NOUN
gujaf-141	134	35	of	of	ADP
gujaf-141	134	36	significance	significance	NOUN
gujaf-141	134	37	.	.	PUNCT
gujaf-141	135	1	the	the	DET
gujaf-141	135	2	result	result	NOUN
gujaf-141	135	3	is	be	AUX
gujaf-141	135	4	not	not	PART
gujaf-141	135	5	rejects	reject	VERB
gujaf-141	135	6	the	the	DET
gujaf-141	135	7	null	null	ADJ
gujaf-141	135	8	hypothesis	hypothesis	NOUN
gujaf-141	135	9	three	three	NUM
gujaf-141	135	10	of	of	ADP
gujaf-141	135	11	the	the	DET
gujaf-141	135	12	study	study	NOUN
gujaf-141	135	13	.	.	PUNCT
gujaf-141	136	1	thus	thus	ADV
gujaf-141	136	2	,	,	PUNCT
gujaf-141	136	3	the	the	DET
gujaf-141	136	4	hypothesis	hypothesis	NOUN
gujaf-141	136	5	three	three	NUM
gujaf-141	136	6	is	be	AUX
gujaf-141	136	7	hereby	hereby	ADV
gujaf-141	136	8	fails	fail	VERB
gujaf-141	136	9	to	to	PART
gujaf-141	136	10	reject	reject	VERB
gujaf-141	136	11	.	.	PUNCT
gujaf-141	137	1	ho3	ho3	NOUN
gujaf-141	137	2	:	:	PUNCT
gujaf-141	137	3	the	the	DET
gujaf-141	137	4	hypothesis	hypothesis	NOUN
gujaf-141	137	5	one	one	NOUN
gujaf-141	137	6	stated	state	VERB
gujaf-141	137	7	that	that	SCONJ
gujaf-141	137	8	:	:	PUNCT
gujaf-141	137	9	ind	ind	NOUN
gujaf-141	137	10	has	have	VERB
gujaf-141	137	11	no	no	DET
gujaf-141	137	12	significant	significant	ADJ
gujaf-141	137	13	effect	effect	NOUN
gujaf-141	137	14	on	on	ADP
gujaf-141	137	15	the	the	DET
gujaf-141	137	16	financial	financial	ADJ
gujaf-141	137	17	performance	performance	NOUN
gujaf-141	137	18	of	of	ADP
gujaf-141	137	19	the	the	DET
gujaf-141	137	20	listed	list	VERB
gujaf-141	137	21	dmbs	dmb	NOUN
gujaf-141	137	22	in	in	ADP
gujaf-141	137	23	nigeria	nigeria	PROPN
gujaf-141	137	24	.	.	PUNCT
gujaf-141	138	1	the	the	DET
gujaf-141	138	2	result	result	NOUN
gujaf-141	138	3	reveals	reveal	VERB
gujaf-141	138	4	that	that	SCONJ
gujaf-141	138	5	ind	ind	NOUN
gujaf-141	138	6	with	with	ADP
gujaf-141	138	7	a	a	DET
gujaf-141	138	8	coefficient	coefficient	NOUN
gujaf-141	138	9	of	of	ADP
gujaf-141	138	10	-0.0533	-0.0533	NOUN
gujaf-141	138	11	and	and	CCONJ
gujaf-141	138	12	a	a	DET
gujaf-141	138	13	p	p	NOUN
gujaf-141	138	14	-	-	PUNCT
gujaf-141	138	15	value	value	NOUN
gujaf-141	138	16	of	of	ADP
gujaf-141	138	17	0.024	0.024	NUM
gujaf-141	138	18	has	have	VERB
gujaf-141	138	19	negative	negative	ADJ
gujaf-141	138	20	and	and	CCONJ
gujaf-141	138	21	significant	significant	ADJ
gujaf-141	138	22	impact	impact	NOUN
gujaf-141	138	23	on	on	ADP
gujaf-141	138	24	the	the	DET
gujaf-141	138	25	financial	financial	ADJ
gujaf-141	138	26	performance	performance	NOUN
gujaf-141	138	27	of	of	ADP
gujaf-141	138	28	the	the	DET
gujaf-141	138	29	listed	list	VERB
gujaf-141	138	30	dmbs	dmb	NOUN
gujaf-141	138	31	in	in	ADP
gujaf-141	138	32	nigeria	nigeria	PROPN
gujaf-141	138	33	at	at	ADP
gujaf-141	138	34	5	5	NUM
gujaf-141	138	35	%	%	NOUN
gujaf-141	138	36	level	level	NOUN
gujaf-141	138	37	of	of	ADP
gujaf-141	138	38	significance	significance	NOUN
gujaf-141	138	39	.	.	PUNCT
gujaf-141	139	1	therefore	therefore	ADV
gujaf-141	139	2	,	,	PUNCT
gujaf-141	139	3	the	the	DET
gujaf-141	139	4	result	result	NOUN
gujaf-141	139	5	provides	provide	VERB
gujaf-141	139	6	basis	basis	NOUN
gujaf-141	139	7	of	of	ADP
gujaf-141	139	8	rejecting	reject	VERB
gujaf-141	139	9	the	the	DET
gujaf-141	139	10	null	null	ADJ
gujaf-141	139	11	hypothesis	hypothesis	NOUN
gujaf-141	139	12	five	five	NUM
gujaf-141	139	13	of	of	ADP
gujaf-141	139	14	the	the	DET
gujaf-141	139	15	study	study	NOUN
gujaf-141	139	16	.	.	PUNCT
gujaf-141	140	1	therefore	therefore	ADV
gujaf-141	140	2	,	,	PUNCT
gujaf-141	140	3	the	the	DET
gujaf-141	140	4	hypothesis	hypothesis	NOUN
gujaf-141	140	5	five	five	NUM
gujaf-141	140	6	is	be	AUX
gujaf-141	140	7	hereby	hereby	ADV
gujaf-141	140	8	rejected	reject	VERB
gujaf-141	140	9	.	.	PUNCT
gujaf-141	141	1	ho4	ho4	PROPN
gujaf-141	141	2	:	:	PUNCT
gujaf-141	141	3	bage	bage	NOUN
gujaf-141	141	4	has	have	VERB
gujaf-141	141	5	no	no	DET
gujaf-141	141	6	significant	significant	ADJ
gujaf-141	141	7	impact	impact	NOUN
gujaf-141	141	8	on	on	ADP
gujaf-141	141	9	the	the	DET
gujaf-141	141	10	financial	financial	ADJ
gujaf-141	141	11	performance	performance	NOUN
gujaf-141	141	12	of	of	ADP
gujaf-141	141	13	the	the	DET
gujaf-141	141	14	listed	list	VERB
gujaf-141	141	15	dmbs	dmb	NOUN
gujaf-141	141	16	in	in	ADP
gujaf-141	141	17	nigeria	nigeria	PROPN
gujaf-141	141	18	.	.	PUNCT
gujaf-141	142	1	the	the	DET
gujaf-141	142	2	result	result	NOUN
gujaf-141	142	3	shows	show	VERB
gujaf-141	142	4	that	that	SCONJ
gujaf-141	142	5	bage	bage	NOUN
gujaf-141	142	6	has	have	VERB
gujaf-141	142	7	positive	positive	ADJ
gujaf-141	142	8	and	and	CCONJ
gujaf-141	142	9	significant	significant	ADJ
gujaf-141	142	10	influence	influence	NOUN
gujaf-141	142	11	on	on	ADP
gujaf-141	142	12	the	the	DET
gujaf-141	142	13	financial	financial	ADJ
gujaf-141	142	14	performance	performance	NOUN
gujaf-141	142	15	of	of	ADP
gujaf-141	142	16	the	the	DET
gujaf-141	142	17	listed	list	VERB
gujaf-141	142	18	dmbs	dmb	NOUN
gujaf-141	142	19	in	in	ADP
gujaf-141	142	20	nigeria	nigeria	PROPN
gujaf-141	142	21	,	,	PUNCT
gujaf-141	142	22	given	give	VERB
gujaf-141	142	23	the	the	DET
gujaf-141	142	24	coefficient	coefficient	NOUN
gujaf-141	142	25	of	of	ADP
gujaf-141	142	26	0.04898	0.04898	NUM
gujaf-141	142	27	and	and	CCONJ
gujaf-141	142	28	a	a	DET
gujaf-141	142	29	p	p	NOUN
gujaf-141	142	30	-	-	PUNCT
gujaf-141	142	31	value	value	NOUN
gujaf-141	142	32	of	of	ADP
gujaf-141	142	33	0.025	0.025	NUM
gujaf-141	142	34	which	which	PRON
gujaf-141	142	35	is	be	AUX
gujaf-141	142	36	statistically	statistically	ADV
gujaf-141	142	37	significant	significant	ADJ
gujaf-141	142	38	at	at	ADP
gujaf-141	142	39	5	5	NUM
gujaf-141	142	40	%	%	NOUN
gujaf-141	142	41	level	level	NOUN
gujaf-141	142	42	of	of	ADP
gujaf-141	142	43	significance	significance	NOUN
gujaf-141	142	44	.	.	PUNCT
gujaf-141	143	1	the	the	DET
gujaf-141	143	2	result	result	NOUN
gujaf-141	143	3	provides	provide	VERB
gujaf-141	143	4	an	an	DET
gujaf-141	143	5	evidence	evidence	NOUN
gujaf-141	143	6	of	of	ADP
gujaf-141	143	7	rejecting	reject	VERB
gujaf-141	143	8	the	the	DET
gujaf-141	143	9	null	null	ADJ
gujaf-141	143	10	hypothesis	hypothesis	NOUN
gujaf-141	143	11	six	six	NUM
gujaf-141	143	12	of	of	ADP
gujaf-141	143	13	the	the	DET
gujaf-141	143	14	study	study	NOUN
gujaf-141	143	15	.	.	PUNCT
gujaf-141	144	1	hence	hence	ADV
gujaf-141	144	2	,	,	PUNCT
gujaf-141	144	3	the	the	DET
gujaf-141	144	4	hypothesis	hypothesis	NOUN
gujaf-141	144	5	six	six	NUM
gujaf-141	144	6	is	be	AUX
gujaf-141	144	7	hereby	hereby	ADV
gujaf-141	144	8	rejected	reject	VERB
gujaf-141	144	9	.	.	PUNCT
gujaf-141	145	1	5	5	X
gujaf-141	145	2	.	.	X
gujaf-141	145	3	conclusion	conclusion	NOUN
gujaf-141	145	4	and	and	CCONJ
gujaf-141	145	5	recommendations	recommendation	NOUN
gujaf-141	145	6	11	11	NUM
gujaf-141	145	7	the	the	DET
gujaf-141	145	8	study	study	NOUN
gujaf-141	145	9	concludes	conclude	VERB
gujaf-141	145	10	that	that	SCONJ
gujaf-141	145	11	,	,	PUNCT
gujaf-141	145	12	car	car	NOUN
gujaf-141	145	13	,	,	PUNCT
gujaf-141	145	14	bsize	bsize	NOUN
gujaf-141	145	15	have	have	VERB
gujaf-141	145	16	insignificant	insignificant	ADJ
gujaf-141	145	17	influence	influence	NOUN
gujaf-141	145	18	on	on	ADP
gujaf-141	145	19	the	the	DET
gujaf-141	145	20	roa	roa	NOUN
gujaf-141	145	21	of	of	ADP
gujaf-141	145	22	listed	list	VERB
gujaf-141	145	23	dmbs	dmb	NOUN
gujaf-141	145	24	in	in	ADP
gujaf-141	145	25	nigeria	nigeria	PROPN
gujaf-141	145	26	.	.	PUNCT
gujaf-141	146	1	indicating	indicate	VERB
gujaf-141	146	2	that	that	SCONJ
gujaf-141	146	3	a	a	DET
gujaf-141	146	4	change	change	NOUN
gujaf-141	146	5	of	of	ADP
gujaf-141	146	6	car	car	NOUN
gujaf-141	146	7	,	,	PUNCT
gujaf-141	146	8	bsize	bsize	NOUN
gujaf-141	146	9	does	do	AUX
gujaf-141	146	10	not	not	PART
gujaf-141	146	11	leads	lead	VERB
gujaf-141	146	12	to	to	ADP
gujaf-141	146	13	change	change	NOUN
gujaf-141	146	14	of	of	ADP
gujaf-141	146	15	roa	roa	NOUN
gujaf-141	146	16	of	of	ADP
gujaf-141	146	17	listed	list	VERB
gujaf-141	146	18	dmbs	dmb	NOUN
gujaf-141	146	19	in	in	ADP
gujaf-141	146	20	nigeria	nigeria	PROPN
gujaf-141	146	21	.	.	PUNCT
gujaf-141	147	1	ind	ind	PROPN
gujaf-141	147	2	has	have	VERB
gujaf-141	147	3	a	a	DET
gujaf-141	147	4	significant	significant	ADJ
gujaf-141	147	5	negative	negative	ADJ
gujaf-141	147	6	impact	impact	NOUN
gujaf-141	147	7	on	on	ADP
gujaf-141	147	8	the	the	DET
gujaf-141	147	9	roa	roa	NOUN
gujaf-141	147	10	of	of	ADP
gujaf-141	147	11	listed	list	VERB
gujaf-141	147	12	dmbs	dmb	NOUN
gujaf-141	147	13	in	in	ADP
gujaf-141	147	14	nigeria	nigeria	PROPN
gujaf-141	147	15	.	.	PUNCT
gujaf-141	148	1	this	this	PRON
gujaf-141	148	2	shows	show	VERB
gujaf-141	148	3	that	that	SCONJ
gujaf-141	148	4	an	an	DET
gujaf-141	148	5	increase	increase	NOUN
gujaf-141	148	6	of	of	ADP
gujaf-141	148	7	ind	ind	NOUN
gujaf-141	148	8	leads	lead	VERB
gujaf-141	148	9	to	to	ADP
gujaf-141	148	10	the	the	DET
gujaf-141	148	11	decrease	decrease	NOUN
gujaf-141	148	12	of	of	ADP
gujaf-141	148	13	roa	roa	NOUN
gujaf-141	148	14	of	of	ADP
gujaf-141	148	15	listed	list	VERB
gujaf-141	148	16	dmbs	dmb	NOUN
gujaf-141	148	17	in	in	ADP
gujaf-141	148	18	nigeria	nigeria	PROPN
gujaf-141	148	19	.	.	PUNCT
gujaf-141	149	1	in	in	ADP
gujaf-141	149	2	the	the	DET
gujaf-141	149	3	determining	determine	VERB
gujaf-141	149	4	the	the	DET
gujaf-141	149	5	effects	effect	NOUN
gujaf-141	149	6	of	of	ADP
gujaf-141	149	7	moderating	moderate	VERB
gujaf-141	149	8	impact	impact	NOUN
gujaf-141	149	9	on	on	ADP
gujaf-141	149	10	bage	bage	NOUN
gujaf-141	149	11	.	.	PUNCT
gujaf-141	150	1	it	it	PRON
gujaf-141	150	2	conclusively	conclusively	ADV
gujaf-141	150	3	indicated	indicate	VERB
gujaf-141	150	4	that	that	SCONJ
gujaf-141	150	5	bage	bage	NOUN
gujaf-141	150	6	is	be	AUX
gujaf-141	150	7	negative	negative	ADJ
gujaf-141	150	8	but	but	CCONJ
gujaf-141	150	9	no	no	DET
gujaf-141	150	10	significant	significant	ADJ
gujaf-141	150	11	moderating	moderate	VERB
gujaf-141	150	12	the	the	DET
gujaf-141	150	13	relationship	relationship	NOUN
gujaf-141	150	14	between	between	ADP
gujaf-141	150	15	car	car	NOUN
gujaf-141	150	16	,	,	PUNCT
gujaf-141	150	17	bsize	bsize	NOUN
gujaf-141	150	18	and	and	CCONJ
gujaf-141	150	19	roa	roa	PROPN
gujaf-141	150	20	of	of	ADP
gujaf-141	150	21	listed	list	VERB
gujaf-141	150	22	dmbs	dmb	NOUN
gujaf-141	150	23	in	in	ADP
gujaf-141	150	24	nigeria	nigeria	PROPN
gujaf-141	150	25	.	.	PUNCT
gujaf-141	151	1	this	this	PRON
gujaf-141	151	2	means	mean	VERB
gujaf-141	151	3	that	that	SCONJ
gujaf-141	151	4	bage	bage	NOUN
gujaf-141	151	5	can	can	AUX
gujaf-141	151	6	not	not	PART
gujaf-141	151	7	moderate	moderate	VERB
gujaf-141	151	8	the	the	DET
gujaf-141	151	9	relationship	relationship	NOUN
gujaf-141	151	10	of	of	ADP
gujaf-141	151	11	car	car	NOUN
gujaf-141	151	12	,	,	PUNCT
gujaf-141	151	13	bsize	bsize	NOUN
gujaf-141	151	14	and	and	CCONJ
gujaf-141	151	15	roa	roa	PROPN
gujaf-141	151	16	.	.	PUNCT
gujaf-141	152	1	bage	bage	PROPN
gujaf-141	152	2	has	have	VERB
gujaf-141	152	3	statistically	statistically	ADV
gujaf-141	152	4	positive	positive	ADJ
gujaf-141	152	5	moderating	moderate	VERB
gujaf-141	152	6	effect	effect	NOUN
gujaf-141	152	7	on	on	ADP
gujaf-141	152	8	ind	ind	NOUN
gujaf-141	152	9	and	and	CCONJ
gujaf-141	152	10	roa	roa	PROPN
gujaf-141	152	11	.	.	PUNCT
gujaf-141	153	1	this	this	PRON
gujaf-141	153	2	reveals	reveal	VERB
gujaf-141	153	3	that	that	SCONJ
gujaf-141	153	4	bage	bage	NOUN
gujaf-141	153	5	has	have	AUX
gujaf-141	153	6	improved	improve	VERB
gujaf-141	153	7	the	the	DET
gujaf-141	153	8	relationship	relationship	NOUN
gujaf-141	153	9	between	between	ADP
gujaf-141	153	10	ind	ind	NOUN
gujaf-141	153	11	and	and	CCONJ
gujaf-141	153	12	roa	roa	NOUN
gujaf-141	153	13	of	of	ADP
gujaf-141	153	14	listed	list	VERB
gujaf-141	153	15	dmbs	dmb	NOUN
gujaf-141	153	16	in	in	ADP
gujaf-141	153	17	nigeria	nigeria	PROPN
gujaf-141	153	18	.	.	PUNCT
gujaf-141	154	1	from	from	ADP
gujaf-141	154	2	the	the	DET
gujaf-141	154	3	findings	finding	NOUN
gujaf-141	154	4	and	and	CCONJ
gujaf-141	154	5	conclusions	conclusion	NOUN
gujaf-141	154	6	of	of	ADP
gujaf-141	154	7	the	the	DET
gujaf-141	154	8	study	study	NOUN
gujaf-141	154	9	,	,	PUNCT
gujaf-141	154	10	the	the	DET
gujaf-141	154	11	study	study	NOUN
gujaf-141	154	12	makes	make	VERB
gujaf-141	154	13	the	the	DET
gujaf-141	154	14	following	follow	VERB
gujaf-141	154	15	recommendations	recommendation	NOUN
gujaf-141	154	16	:	:	PUNCT
gujaf-141	154	17	the	the	DET
gujaf-141	154	18	cbn	cbn	PROPN
gujaf-141	154	19	should	should	AUX
gujaf-141	154	20	pay	pay	VERB
gujaf-141	154	21	attention	attention	NOUN
gujaf-141	154	22	to	to	ADP
gujaf-141	154	23	the	the	DET
gujaf-141	154	24	cost	cost	NOUN
gujaf-141	154	25	incurred	incur	VERB
gujaf-141	154	26	by	by	ADP
gujaf-141	154	27	banks	bank	NOUN
gujaf-141	154	28	on	on	ADP
gujaf-141	154	29	deposits	deposit	NOUN
gujaf-141	154	30	maintained	maintain	VERB
gujaf-141	154	31	with	with	ADP
gujaf-141	154	32	then	then	ADV
gujaf-141	154	33	as	as	SCONJ
gujaf-141	154	34	this	this	PRON
gujaf-141	154	35	may	may	AUX
gujaf-141	154	36	have	have	VERB
gujaf-141	154	37	significant	significant	ADJ
gujaf-141	154	38	on	on	ADP
gujaf-141	154	39	the	the	DET
gujaf-141	154	40	banks	bank	NOUN
gujaf-141	154	41	’	’	PART
gujaf-141	154	42	capital	capital	NOUN
gujaf-141	154	43	and	and	CCONJ
gujaf-141	154	44	performance	performance	NOUN
gujaf-141	154	45	.	.	PUNCT
gujaf-141	155	1	the	the	DET
gujaf-141	155	2	bank	bank	NOUN
gujaf-141	155	3	management	management	NOUN
gujaf-141	155	4	should	should	AUX
gujaf-141	155	5	also	also	ADV
gujaf-141	155	6	continue	continue	VERB
gujaf-141	155	7	to	to	PART
gujaf-141	155	8	put	put	VERB
gujaf-141	155	9	policies	policy	NOUN
gujaf-141	155	10	and	and	CCONJ
gujaf-141	155	11	strategies	strategy	NOUN
gujaf-141	155	12	in	in	ADP
gujaf-141	155	13	place	place	NOUN
gujaf-141	155	14	to	to	PART
gujaf-141	155	15	ensure	ensure	VERB
gujaf-141	155	16	effective	effective	ADJ
gujaf-141	155	17	management	management	NOUN
gujaf-141	155	18	of	of	ADP
gujaf-141	155	19	bank	bank	NOUN
gujaf-141	155	20	size	size	NOUN
gujaf-141	155	21	for	for	ADP
gujaf-141	155	22	increased	increase	VERB
gujaf-141	155	23	profitability	profitability	NOUN
gujaf-141	155	24	.	.	PUNCT
gujaf-141	156	1	on	on	ADP
gujaf-141	156	2	the	the	DET
gujaf-141	156	3	other	other	ADJ
gujaf-141	156	4	part	part	NOUN
gujaf-141	156	5	,	,	PUNCT
gujaf-141	156	6	shareholders	shareholder	NOUN
gujaf-141	156	7	should	should	AUX
gujaf-141	156	8	ensure	ensure	VERB
gujaf-141	156	9	management	management	NOUN
gujaf-141	156	10	is	be	AUX
gujaf-141	156	11	properly	properly	ADV
gujaf-141	156	12	diversified	diversify	VERB
gujaf-141	156	13	the	the	DET
gujaf-141	156	14	banks	bank	NOUN
gujaf-141	156	15	’	’	PART
gujaf-141	156	16	income	income	NOUN
gujaf-141	156	17	in	in	ADP
gujaf-141	156	18	a	a	DET
gujaf-141	156	19	way	way	NOUN
gujaf-141	156	20	that	that	PRON
gujaf-141	156	21	would	would	AUX
gujaf-141	156	22	yield	yield	VERB
gujaf-141	156	23	more	more	ADJ
gujaf-141	156	24	revenue	revenue	NOUN
gujaf-141	156	25	and	and	CCONJ
gujaf-141	156	26	ensure	ensure	VERB
gujaf-141	156	27	short	short	ADJ
gujaf-141	156	28	term	term	NOUN
gujaf-141	156	29	cash	cash	NOUN
gujaf-141	156	30	should	should	AUX
gujaf-141	156	31	not	not	PART
gujaf-141	156	32	be	be	AUX
gujaf-141	156	33	channeled	channel	VERB
gujaf-141	156	34	to	to	ADP
gujaf-141	156	35	capital	capital	NOUN
gujaf-141	156	36	investment	investment	NOUN
gujaf-141	156	37	.	.	PUNCT
gujaf-141	157	1	references	reference	NOUN
gujaf-141	157	2	abdulazeez	abdulazeez	PROPN
gujaf-141	157	3	d.	d.	PROPN
gujaf-141	157	4	,	,	PUNCT
gujaf-141	157	5	suleiman	suleiman	PROPN
gujaf-141	157	6	o.	o.	PROPN
gujaf-141	157	7	,	,	PUNCT
gujaf-141	157	8	&	&	CCONJ
gujaf-141	157	9	yahaya	yahaya	PROPN
gujaf-141	157	10	a.	a.	PROPN
gujaf-141	157	11	(	(	PUNCT
gujaf-141	157	12	2016	2016	NUM
gujaf-141	157	13	)	)	PUNCT
gujaf-141	157	14	.	.	PUNCT
gujaf-141	158	1	impact	impact	NOUN
gujaf-141	158	2	of	of	ADP
gujaf-141	158	3	merger	merger	NOUN
gujaf-141	158	4	and	and	CCONJ
gujaf-141	158	5	acquisitions	acquisition	NOUN
gujaf-141	158	6	on	on	ADP
gujaf-141	158	7	the	the	DET
gujaf-141	158	8	financial	financial	ADJ
gujaf-141	158	9	performance	performance	NOUN
gujaf-141	158	10	of	of	ADP
gujaf-141	158	11	deposit	deposit	NOUN
gujaf-141	158	12	money	money	NOUN
gujaf-141	158	13	banks	bank	NOUN
gujaf-141	158	14	in	in	ADP
gujaf-141	158	15	nigeria	nigeria	PROPN
gujaf-141	158	16	.	.	PUNCT
gujaf-141	159	1	arabian	arabian	ADJ
gujaf-141	159	2	journal	journal	PROPN
gujaf-141	159	3	of	of	ADP
gujaf-141	159	4	business	business	NOUN
gujaf-141	159	5	and	and	CCONJ
gujaf-141	159	6	adamade	adamade	PROPN
gujaf-141	159	7	u.	u.	PROPN
gujaf-141	159	8	&	&	CCONJ
gujaf-141	159	9	samuel	samuel	PROPN
gujaf-141	159	10	s.	s.	PROPN
gujaf-141	159	11	(	(	PUNCT
gujaf-141	159	12	2015	2015	NUM
gujaf-141	159	13	)	)	PUNCT
gujaf-141	159	14	.	.	PUNCT
gujaf-141	160	1	the	the	DET
gujaf-141	160	2	relationship	relationship	NOUN
gujaf-141	160	3	between	between	ADP
gujaf-141	160	4	firm	firm	ADJ
gujaf-141	160	5	age	age	NOUN
gujaf-141	160	6	and	and	CCONJ
gujaf-141	160	7	performance	performance	NOUN
gujaf-141	160	8	in	in	ADP
gujaf-141	160	9	nigeria	nigeria	PROPN
gujaf-141	160	10	.	.	PUNCT
gujaf-141	161	1	journal	journal	PROPN
gujaf-141	161	2	of	of	ADP
gujaf-141	161	3	sustainable	sustainable	ADJ
gujaf-141	161	4	development	development	NOUN
gujaf-141	161	5	in	in	ADP
gujaf-141	161	6	africa	africa	PROPN
gujaf-141	161	7	,	,	PUNCT
gujaf-141	161	8	17(3	17(3	NUM
gujaf-141	161	9	)	)	PUNCT
gujaf-141	161	10	,	,	PUNCT
gujaf-141	161	11	128–141	128–141	NUM
gujaf-141	161	12	.	.	PUNCT
gujaf-141	162	1	alshatti	alshatti	PROPN
gujaf-141	162	2	,	,	PUNCT
gujaf-141	162	3	&	&	CCONJ
gujaf-141	162	4	ali	ali	PROPN
gujaf-141	162	5	s.	s.	PROPN
gujaf-141	162	6	(	(	PUNCT
gujaf-141	162	7	2015	2015	NUM
gujaf-141	162	8	)	)	PUNCT
gujaf-141	162	9	.	.	PUNCT
gujaf-141	163	1	the	the	DET
gujaf-141	163	2	effect	effect	NOUN
gujaf-141	163	3	of	of	ADP
gujaf-141	163	4	credit	credit	NOUN
gujaf-141	163	5	risk	risk	NOUN
gujaf-141	163	6	management	management	NOUN
gujaf-141	163	7	on	on	ADP
gujaf-141	163	8	financial	financial	ADJ
gujaf-141	163	9	performance	performance	NOUN
gujaf-141	163	10	of	of	ADP
gujaf-141	163	11	the	the	DET
gujaf-141	163	12	jordanian	jordanian	ADJ
gujaf-141	163	13	commercial	commercial	ADJ
gujaf-141	163	14	banks	bank	NOUN
gujaf-141	163	15	.	.	PUNCT
gujaf-141	164	1	"	"	PUNCT
gujaf-141	164	2	investment	investment	NOUN
gujaf-141	164	3	management	management	NOUN
gujaf-141	164	4	and	and	CCONJ
gujaf-141	164	5	financial	financial	ADJ
gujaf-141	164	6	innovations	innovation	NOUN
gujaf-141	164	7	,	,	PUNCT
gujaf-141	164	8	12(1	12(1	NUM
gujaf-141	164	9	)	)	PUNCT
gujaf-141	164	10	,	,	PUNCT
gujaf-141	164	11	338–345	338–345	NUM
gujaf-141	164	12	.	.	PUNCT
gujaf-141	165	1	ani	ani	PROPN
gujaf-141	165	2	w.	w.	PROPN
gujaf-141	165	3	,	,	PUNCT
gujaf-141	165	4	ugwunta	ugwunta	PROPN
gujaf-141	165	5	d.	d.	PROPN
gujaf-141	165	6	,	,	PUNCT
gujaf-141	165	7	ezeudu	ezeudu	PROPN
gujaf-141	165	8	j.	j.	PROPN
gujaf-141	165	9	,	,	PUNCT
gujaf-141	165	10	&	&	CCONJ
gujaf-141	165	11	ugwuanyi	ugwuanyi	PROPN
gujaf-141	165	12	g.	g.	PROPN
gujaf-141	165	13	(	(	PUNCT
gujaf-141	165	14	2012	2012	NUM
gujaf-141	165	15	)	)	PUNCT
gujaf-141	165	16	.	.	PUNCT
gujaf-141	166	1	an	an	DET
gujaf-141	166	2	empirical	empirical	ADJ
gujaf-141	166	3	assessment	assessment	NOUN
gujaf-141	166	4	of	of	ADP
gujaf-141	166	5	the	the	DET
gujaf-141	166	6	determinants	determinant	NOUN
gujaf-141	166	7	of	of	ADP
gujaf-141	166	8	bank	bank	NOUN
gujaf-141	166	9	profitability	profitability	NOUN
gujaf-141	166	10	in	in	ADP
gujaf-141	166	11	nigeria	nigeria	PROPN
gujaf-141	166	12	:	:	PUNCT
gujaf-141	166	13	bank	bank	PROPN
gujaf-141	166	14	characteristics	characteristics	PROPN
gujaf-141	166	15	panel	panel	PROPN
gujaf-141	166	16	.	.	PUNCT
gujaf-141	167	1	journal	journal	PROPN
gujaf-141	167	2	of	of	ADP
gujaf-141	167	3	accounting	accounting	NOUN
gujaf-141	167	4	and	and	CCONJ
gujaf-141	167	5	taxation	taxation	NOUN
gujaf-141	167	6	4(3	4(3	NUM
gujaf-141	167	7	)	)	PUNCT
gujaf-141	167	8	,	,	PUNCT
gujaf-141	167	9	38–43	38–43	NUM
gujaf-141	167	10	.	.	PUNCT
gujaf-141	168	1	aremu	aremu	PROPN
gujaf-141	168	2	m.	m.	PROPN
gujaf-141	168	3	a.	a.	PROPN
gujaf-141	168	4	,	,	PUNCT
gujaf-141	168	5	ekpo	ekpo	NOUN
gujaf-141	168	6	i.	i.	PROPN
gujaf-141	168	7	c	c	PROPN
gujaf-141	168	8	,	,	PUNCT
gujaf-141	168	9	&	&	CCONJ
gujaf-141	168	10	moustapha	moustapha	PROPN
gujaf-141	168	11	a.	a.	PROPN
gujaf-141	168	12	m.	m.	PROPN
gujaf-141	168	13	(	(	PUNCT
gujaf-141	168	14	2013	2013	NUM
gujaf-141	168	15	)	)	PUNCT
gujaf-141	168	16	.	.	PUNCT
gujaf-141	169	1	determinants	determinant	NOUN
gujaf-141	169	2	of	of	ADP
gujaf-141	169	3	banks	bank	NOUN
gujaf-141	169	4	'	'	PART
gujaf-141	169	5	profitaility	profitaility	NOUN
gujaf-141	169	6	in	in	ADP
gujaf-141	169	7	a	a	DET
gujaf-141	169	8	developing	develop	VERB
gujaf-141	169	9	economy	economy	NOUN
gujaf-141	169	10	:	:	PUNCT
gujaf-141	169	11	evidence	evidence	NOUN
gujaf-141	169	12	from	from	ADP
gujaf-141	169	13	nigerian	nigerian	ADJ
gujaf-141	169	14	banking	banking	NOUN
gujaf-141	169	15	industry	industry	NOUN
gujaf-141	169	16	,	,	PUNCT
gujaf-141	169	17	interdisciplinary	interdisciplinary	NOUN
gujaf-141	169	18	.	.	PUNCT
gujaf-141	170	1	journal	journal	PROPN
gujaf-141	170	2	of	of	ADP
gujaf-141	170	3	contemporary	contemporary	ADJ
gujaf-141	170	4	research	research	NOUN
gujaf-141	170	5	in	in	ADP
gujaf-141	170	6	business	business	NOUN
gujaf-141	170	7	,	,	PUNCT
gujaf-141	170	8	4(9	4(9	NUM
gujaf-141	170	9	)	)	PUNCT
gujaf-141	171	1	50	50	NUM
gujaf-141	171	2	-	-	SYM
gujaf-141	171	3	62	62	NUM
gujaf-141	171	4	.	.	PUNCT
gujaf-141	172	1	assfaw	assfaw	PROPN
gujaf-141	172	2	g.	g.	PROPN
gujaf-141	172	3	,	,	PUNCT
gujaf-141	172	4	&	&	CCONJ
gujaf-141	172	5	alim	alim	PROPN
gujaf-141	172	6	.	.	PUNCT
gujaf-141	173	1	(	(	PUNCT
gujaf-141	173	2	2018	2018	NUM
gujaf-141	173	3	)	)	PUNCT
gujaf-141	173	4	.	.	PUNCT
gujaf-141	174	1	determinants	determinant	NOUN
gujaf-141	174	2	of	of	ADP
gujaf-141	174	3	the	the	DET
gujaf-141	174	4	financial	financial	ADJ
gujaf-141	174	5	performance	performance	NOUN
gujaf-141	174	6	of	of	ADP
gujaf-141	174	7	private	private	ADJ
gujaf-141	174	8	commercial	commercial	ADJ
gujaf-141	174	9	banks	bank	NOUN
gujaf-141	174	10	in	in	ADP
gujaf-141	174	11	ethiopia	ethiopia	PROPN
gujaf-141	174	12	:	:	PUNCT
gujaf-141	174	13	bank	bank	NOUN
gujaf-141	174	14	specific	specific	ADJ
gujaf-141	174	15	factors	factor	NOUN
gujaf-141	174	16	analysis	analysis	NOUN
gujaf-141	174	17	.	.	PUNCT
gujaf-141	175	1	global	global	ADJ
gujaf-141	175	2	journal	journal	PROPN
gujaf-141	175	3	of	of	ADP
gujaf-141	175	4	management	management	NOUN
gujaf-141	175	5	and	and	CCONJ
gujaf-141	175	6	business	business	NOUN
gujaf-141	175	7	research	research	NOUN
gujaf-141	175	8	,	,	PUNCT
gujaf-141	175	9	18(3	18(3	NUM
gujaf-141	175	10	)	)	PUNCT
gujaf-141	175	11	14	14	NUM
gujaf-141	175	12	-	-	SYM
gujaf-141	175	13	25	25	NUM
gujaf-141	175	14	.	.	PUNCT
gujaf-141	176	1	athanasoglou	athanasoglou	PROPN
gujaf-141	176	2	p.	p.	PROPN
gujaf-141	176	3	,	,	PUNCT
gujaf-141	176	4	&	&	CCONJ
gujaf-141	176	5	danniel	danniel	PROPN
gujaf-141	176	6	m.	m.	PROPN
gujaf-141	176	7	d.	d.	PROPN
gujaf-141	176	8	(	(	PUNCT
gujaf-141	176	9	2006	2006	NUM
gujaf-141	176	10	)	)	PUNCT
gujaf-141	176	11	.	.	PUNCT
gujaf-141	177	1	determinants	determinant	NOUN
gujaf-141	177	2	of	of	ADP
gujaf-141	177	3	bank	bank	NOUN
gujaf-141	177	4	profitability	profitability	NOUN
gujaf-141	177	5	in	in	ADP
gujaf-141	177	6	the	the	DET
gujaf-141	177	7	12	12	NUM
gujaf-141	177	8	south	south	ADJ
gujaf-141	177	9	eastern	eastern	ADJ
gujaf-141	177	10	european	european	PROPN
gujaf-141	177	11	region	region	PROPN
gujaf-141	177	12	.	.	PUNCT
gujaf-141	178	1	working	work	VERB
gujaf-141	178	2	paper	paper	NOUN
gujaf-141	178	3	.	.	PUNCT
gujaf-141	179	1	chinye	chinye	PROPN
gujaf-141	179	2	o.	o.	PROPN
gujaf-141	179	3	,	,	PUNCT
gujaf-141	179	4	osadume	osadume	ADJ
gujaf-141	179	5	o.	o.	NOUN
gujaf-141	179	6	,	,	PUNCT
gujaf-141	179	7	&	&	CCONJ
gujaf-141	179	8	rechard	rechard	PROPN
gujaf-141	179	9	b.o	b.o	PROPN
gujaf-141	179	10	.	.	PROPN
gujaf-141	179	11	(	(	PUNCT
gujaf-141	179	12	2013	2013	NUM
gujaf-141	179	13	)	)	PUNCT
gujaf-141	179	14	.	.	PUNCT
gujaf-141	180	1	the	the	DET
gujaf-141	180	2	determinants	determinant	NOUN
gujaf-141	180	3	of	of	ADP
gujaf-141	180	4	financial	financial	ADJ
gujaf-141	180	5	performance	performance	NOUN
gujaf-141	180	6	of	of	ADP
gujaf-141	180	7	quoted	quote	VERB
gujaf-141	180	8	banks	bank	NOUN
gujaf-141	180	9	in	in	ADP
gujaf-141	180	10	nigeria	nigeria	PROPN
gujaf-141	180	11	:	:	PUNCT
gujaf-141	180	12	a	a	DET
gujaf-141	180	13	study	study	NOUN
gujaf-141	180	14	of	of	ADP
gujaf-141	180	15	selected	select	VERB
gujaf-141	180	16	deposit	deposit	NOUN
gujaf-141	180	17	money	money	NOUN
gujaf-141	180	18	banks(dmbs	banks(dmbs	PROPN
gujaf-141	180	19	)	)	PUNCT
gujaf-141	180	20	.	.	PUNCT
gujaf-141	181	1	international	international	ADJ
gujaf-141	181	2	journal	journal	PROPN
gujaf-141	181	3	of	of	ADP
gujaf-141	181	4	education	education	NOUN
gujaf-141	181	5	and	and	CCONJ
gujaf-141	181	6	research	research	NOUN
gujaf-141	181	7	,	,	PUNCT
gujaf-141	181	8	1(10	1(10	NUM
gujaf-141	181	9	)	)	PUNCT
gujaf-141	181	10	,	,	PUNCT
gujaf-141	181	11	1	1	NUM
gujaf-141	181	12	–	–	SYM
gujaf-141	181	13	18	18	NUM
gujaf-141	181	14	.	.	PUNCT
gujaf-141	182	1	coad	coad	PROPN
gujaf-141	182	2	,	,	PUNCT
gujaf-141	182	3	aj	aj	PROPN
gujaf-141	182	4	l.	l.	PROPN
gujaf-141	182	5	,	,	PUNCT
gujaf-141	182	6	segarra	segarra	PROPN
gujaf-141	182	7	a.	a.	PROPN
gujaf-141	182	8	&	&	CCONJ
gujaf-141	182	9	teruel	teruel	PROPN
gujaf-141	182	10	m.	m.	PROPN
gujaf-141	182	11	(	(	PUNCT
gujaf-141	182	12	2013	2013	NUM
gujaf-141	182	13	)	)	PUNCT
gujaf-141	182	14	.	.	PUNCT
gujaf-141	183	1	like	like	ADP
gujaf-141	183	2	milk	milk	NOUN
gujaf-141	183	3	or	or	CCONJ
gujaf-141	183	4	wine	wine	NOUN
gujaf-141	183	5	:	:	PUNCT
gujaf-141	183	6	does	do	AUX
gujaf-141	183	7	firm	firm	ADJ
gujaf-141	183	8	performance	performance	NOUN
gujaf-141	183	9	improve	improve	VERB
gujaf-141	183	10	with	with	ADP
gujaf-141	183	11	age	age	NOUN
gujaf-141	183	12	?	?	PUNCT
gujaf-141	184	1	structural	structural	ADJ
gujaf-141	184	2	change	change	NOUN
gujaf-141	184	3	and	and	CCONJ
gujaf-141	184	4	economic	economic	ADJ
gujaf-141	184	5	dynamics	dynamic	NOUN
gujaf-141	184	6	,	,	PUNCT
gujaf-141	184	7	journal	journal	NOUN
gujaf-141	184	8	of	of	ADP
gujaf-141	184	9	monetary	monetary	ADJ
gujaf-141	184	10	economics	economic	NOUN
gujaf-141	184	11	,	,	PUNCT
gujaf-141	184	12	5(1	5(1	NUM
gujaf-141	184	13	)	)	PUNCT
gujaf-141	184	14	,	,	PUNCT
gujaf-141	184	15	173	173	NUM
gujaf-141	184	16	-	-	SYM
gujaf-141	184	17	189	189	NUM
gujaf-141	184	18	.	.	PUNCT
gujaf-141	185	1	david	david	PROPN
gujaf-141	185	2	c	c	PROPN
gujaf-141	185	3	,	,	PUNCT
gujaf-141	185	4	&	&	CCONJ
gujaf-141	185	5	joy	joy	PROPN
gujaf-141	185	6	a.	a.	NOUN
gujaf-141	185	7	(	(	PUNCT
gujaf-141	185	8	2016	2016	NUM
gujaf-141	185	9	)	)	PUNCT
gujaf-141	185	10	.	.	PUNCT
gujaf-141	186	1	determinants	determinant	NOUN
gujaf-141	186	2	of	of	ADP
gujaf-141	186	3	bank	bank	NOUN
gujaf-141	186	4	profitability	profitability	NOUN
gujaf-141	186	5	in	in	ADP
gujaf-141	186	6	europe	europe	PROPN
gujaf-141	186	7	,	,	PUNCT
gujaf-141	186	8	north	north	PROPN
gujaf-141	186	9	america	america	PROPN
gujaf-141	186	10	and	and	CCONJ
gujaf-141	186	11	australia	australia	PROPN
gujaf-141	186	12	.	.	PUNCT
gujaf-141	187	1	journal	journal	PROPN
gujaf-141	187	2	of	of	ADP
gujaf-141	187	3	bank	bank	NOUN
gujaf-141	187	4	profitability	profitability	NOUN
gujaf-141	187	5	in	in	ADP
gujaf-141	187	6	ukraine	ukraine	NOUN
gujaf-141	187	7	,	,	PUNCT
gujaf-141	187	8	7(1	7(1	NUM
gujaf-141	187	9	-	-	SYM
gujaf-141	187	10	10	10	NUM
gujaf-141	187	11	)	)	PUNCT
gujaf-141	187	12	.	.	PUNCT
gujaf-141	188	1	delmar	delmar	PROPN
gujaf-141	188	2	f.	f.	PROPN
gujaf-141	188	3	,	,	PUNCT
gujaf-141	188	4	davidsson	davidsson	PROPN
gujaf-141	188	5	p.	p.	PROPN
gujaf-141	188	6	&	&	CCONJ
gujaf-141	188	7	gartnerw	gartnerw	PROPN
gujaf-141	188	8	.	.	PUNCT
gujaf-141	189	1	(	(	PUNCT
gujaf-141	189	2	2003	2003	NUM
gujaf-141	189	3	)	)	PUNCT
gujaf-141	189	4	.	.	PUNCT
gujaf-141	190	1	arriving	arrive	VERB
gujaf-141	190	2	at	at	ADP
gujaf-141	190	3	the	the	DET
gujaf-141	190	4	high	high	ADJ
gujaf-141	190	5	-	-	PUNCT
gujaf-141	190	6	growth	growth	NOUN
gujaf-141	190	7	firm	firm	NOUN
gujaf-141	190	8	.	.	PUNCT
gujaf-141	191	1	journal	journal	NOUN
gujaf-141	191	2	of	of	ADP
gujaf-141	191	3	business	business	NOUN
gujaf-141	191	4	venturing	venturing	NOUN
gujaf-141	191	5	,	,	PUNCT
gujaf-141	191	6	18	18	NUM
gujaf-141	191	7	,	,	PUNCT
gujaf-141	191	8	189–216	189–216	NUM
gujaf-141	191	9	.	.	PUNCT
gujaf-141	192	1	ejoh	ejoh	PROPN
gujaf-141	192	2	d	d	PROPN
gujaf-141	192	3	,	,	PUNCT
gujaf-141	192	4	&	&	CCONJ
gujaf-141	192	5	nwonko	nwonko	ADJ
gujaf-141	192	6	o.	o.	PROPN
gujaf-141	192	7	(	(	PUNCT
gujaf-141	192	8	2014	2014	NUM
gujaf-141	192	9	)	)	PUNCT
gujaf-141	192	10	.	.	PUNCT
gujaf-141	193	1	the	the	DET
gujaf-141	193	2	impact	impact	NOUN
gujaf-141	193	3	of	of	ADP
gujaf-141	193	4	capital	capital	NOUN
gujaf-141	193	5	adequacy	adequacy	NOUN
gujaf-141	193	6	on	on	ADP
gujaf-141	193	7	deposit	deposit	NOUN
gujaf-141	193	8	money	money	NOUN
gujaf-141	193	9	banks	bank	NOUN
gujaf-141	193	10	profitability	profitability	NOUN
gujaf-141	193	11	in	in	ADP
gujaf-141	193	12	nigeria	nigeria	PROPN
gujaf-141	193	13	.	.	PUNCT
gujaf-141	194	1	research	research	NOUN
gujaf-141	194	2	journal	journal	PROPN
gujaf-141	194	3	of	of	ADP
gujaf-141	194	4	finance	finance	NOUN
gujaf-141	194	5	and	and	CCONJ
gujaf-141	194	6	accounting	accounting	NOUN
gujaf-141	194	7	,	,	PUNCT
gujaf-141	194	8	5(12	5(12	NUM
gujaf-141	194	9	)	)	PUNCT
gujaf-141	194	10	,	,	PUNCT
gujaf-141	194	11	7–16	7–16	PROPN
gujaf-141	194	12	.	.	PUNCT
gujaf-141	195	1	eyigege	eyigege	PROPN
gujaf-141	195	2	s	s	PROPN
gujaf-141	195	3	,	,	PUNCT
gujaf-141	195	4	&	&	CCONJ
gujaf-141	195	5	anni	anni	PROPN
gujaf-141	195	6	i.	i.	PROPN
gujaf-141	195	7	(	(	PUNCT
gujaf-141	195	8	2018	2018	NUM
gujaf-141	195	9	)	)	PUNCT
gujaf-141	195	10	.	.	PUNCT
gujaf-141	196	1	influence	influence	NOUN
gujaf-141	196	2	of	of	ADP
gujaf-141	196	3	firm	firm	ADJ
gujaf-141	196	4	size	size	NOUN
gujaf-141	196	5	on	on	ADP
gujaf-141	196	6	financial	financial	ADJ
gujaf-141	196	7	performance	performance	NOUN
gujaf-141	196	8	of	of	ADP
gujaf-141	196	9	deposit	deposit	NOUN
gujaf-141	196	10	money	money	NOUN
gujaf-141	196	11	banks	bank	NOUN
gujaf-141	196	12	quoted	quote	VERB
gujaf-141	196	13	on	on	ADP
gujaf-141	196	14	the	the	DET
gujaf-141	196	15	nigeria	nigeria	PROPN
gujaf-141	196	16	stock	stock	PROPN
gujaf-141	196	17	exchange	exchange	PROPN
gujaf-141	196	18	2	2	NUM
gujaf-141	196	19	.	.	PUNCT
gujaf-141	197	1	conceptual	conceptual	ADJ
gujaf-141	197	2	frame	frame	NOUN
gujaf-141	197	3	work	work	NOUN
gujaf-141	197	4	3	3	NUM
gujaf-141	197	5	.	.	PUNCT
gujaf-141	198	1	empirical	empirical	ADJ
gujaf-141	198	2	review	review	PROPN
gujaf-141	198	3	.	.	PUNCT
gujaf-141	199	1	international	international	ADJ
gujaf-141	199	2	journal	journal	PROPN
gujaf-141	199	3	of	of	ADP
gujaf-141	199	4	economics	economic	NOUN
gujaf-141	199	5	and	and	CCONJ
gujaf-141	199	6	financial	financial	ADJ
gujaf-141	199	7	research	research	NOUN
gujaf-141	199	8	,	,	PUNCT
gujaf-141	199	9	4(9	4(9	NUM
gujaf-141	199	10	)	)	PUNCT
gujaf-141	199	11	,	,	PUNCT
gujaf-141	199	12	297–302	297–302	NUM
gujaf-141	199	13	.	.	PUNCT
gujaf-141	200	1	eyigege	eyigege	PROPN
gujaf-141	200	2	s.	s.	PROPN
gujaf-141	200	3	(	(	PUNCT
gujaf-141	200	4	2018	2018	NUM
gujaf-141	200	5	)	)	PUNCT
gujaf-141	200	6	.	.	PUNCT
gujaf-141	201	1	financial	financial	ADJ
gujaf-141	201	2	performance	performance	NOUN
gujaf-141	201	3	of	of	ADP
gujaf-141	201	4	deposit	deposit	NOUN
gujaf-141	201	5	money	money	NOUN
gujaf-141	201	6	banks	bank	NOUN
gujaf-141	201	7	quoted	quote	VERB
gujaf-141	201	8	on	on	ADP
gujaf-141	201	9	the	the	DET
gujaf-141	201	10	nigerian	nigerian	ADJ
gujaf-141	201	11	stock	stock	NOUN
gujaf-141	201	12	exchange	exchange	PROPN
gujaf-141	201	13	.	.	PUNCT
gujaf-141	202	1	an	an	DET
gujaf-141	202	2	empirical	empirical	ADJ
gujaf-141	202	3	analysis	analysis	NOUN
gujaf-141	202	4	.	.	PUNCT
gujaf-141	203	1	international	international	ADJ
gujaf-141	203	2	journal	journal	PROPN
gujaf-141	203	3	of	of	ADP
gujaf-141	203	4	economics	economic	NOUN
gujaf-141	203	5	,	,	PUNCT
gujaf-141	203	6	business	business	NOUN
gujaf-141	203	7	and	and	CCONJ
gujaf-141	203	8	management	management	NOUN
gujaf-141	203	9	research	research	NOUN
gujaf-141	203	10	,	,	PUNCT
gujaf-141	203	11	2(4	2(4	NUM
gujaf-141	203	12	)	)	PUNCT
gujaf-141	203	13	,	,	PUNCT
gujaf-141	203	14	329–342	329–342	NUM
gujaf-141	203	15	.	.	PUNCT
gujaf-141	204	1	gul	gul	PROPN
gujaf-141	204	2	s.	s.	PROPN
gujaf-141	204	3	,	,	PUNCT
gujaf-141	204	4	irshad	irshad	PROPN
gujaf-141	204	5	f.	f.	PROPN
gujaf-141	204	6	,	,	PUNCT
gujaf-141	204	7	&	&	CCONJ
gujaf-141	204	8	zaman	zaman	PROPN
gujaf-141	204	9	k.	k.	PROPN
gujaf-141	204	10	(	(	PUNCT
gujaf-141	204	11	2011	2011	NUM
gujaf-141	204	12	)	)	PUNCT
gujaf-141	204	13	.	.	PUNCT
gujaf-141	205	1	factors	factor	NOUN
gujaf-141	205	2	affecting	affect	VERB
gujaf-141	205	3	bank	bank	NOUN
gujaf-141	205	4	profitability	profitability	NOUN
gujaf-141	205	5	in	in	ADP
gujaf-141	205	6	pakistan	pakistan	PROPN
gujaf-141	205	7	.	.	PUNCT
gujaf-141	206	1	romanian	romanian	ADJ
gujaf-141	206	2	economic	economic	PROPN
gujaf-141	206	3	jornal	jornal	NOUN
gujaf-141	206	4	,	,	PUNCT
gujaf-141	206	5	14(39	14(39	NUM
gujaf-141	206	6	):	):	PUNCT
gujaf-141	206	7	61	61	NUM
gujaf-141	206	8	-	-	SYM
gujaf-141	206	9	87	87	NUM
gujaf-141	206	10	.	.	PUNCT
gujaf-141	207	1	haruna	haruna	PROPN
gujaf-141	207	2	muhammed	muhamme	VERB
gujaf-141	207	3	.	.	PUNCT
gujaf-141	208	1	(	(	PUNCT
gujaf-141	208	2	2015	2015	NUM
gujaf-141	208	3	)	)	PUNCT
gujaf-141	208	4	.	.	PUNCT
gujaf-141	209	1	determinats	determinat	NOUN
gujaf-141	209	2	of	of	ADP
gujaf-141	209	3	financial	financial	ADJ
gujaf-141	209	4	performance	performance	NOUN
gujaf-141	209	5	of	of	ADP
gujaf-141	209	6	listed	list	VERB
gujaf-141	209	7	mega	mega	ADJ
gujaf-141	209	8	banks	bank	NOUN
gujaf-141	209	9	in	in	ADP
gujaf-141	209	10	nigeria	nigeria	PROPN
gujaf-141	209	11	.	.	PUNCT
gujaf-141	210	1	an	an	DET
gujaf-141	210	2	msc	msc	PROPN
gujaf-141	210	3	thesis	thesis	NOUN
gujaf-141	210	4	,	,	PUNCT
gujaf-141	210	5	ahmadu	ahmadu	PROPN
gujaf-141	210	6	bello	bello	PROPN
gujaf-141	210	7	university	university	NOUN
gujaf-141	210	8	,	,	PUNCT
gujaf-141	210	9	zaria	zaria	PROPN
gujaf-141	210	10	hui	hui	PROPN
gujaf-141	210	11	h.	h.	PROPN
gujaf-141	210	12	,	,	PUNCT
gujaf-141	210	13	radzi	radzi	PROPN
gujaf-141	210	14	c.w	c.w	PROPN
gujaf-141	210	15	,	,	PUNCT
gujaf-141	210	16	jenatabadi	jenatabadi	PROPN
gujaf-141	210	17	h.s	h.s	PROPN
gujaf-141	210	18	.	.	PROPN
gujaf-141	210	19	,	,	PUNCT
gujaf-141	210	20	abu	abu	PROPN
gujaf-141	210	21	kasimf	kasimf	PROPN
gujaf-141	210	22	.	.	PROPN
gujaf-141	210	23	,	,	PUNCT
gujaf-141	210	24	&	&	CCONJ
gujaf-141	210	25	radu	radu	PROPN
gujaf-141	210	26	s.	s.	PROPN
gujaf-141	210	27	(	(	PUNCT
gujaf-141	210	28	2013	2013	NUM
gujaf-141	210	29	)	)	PUNCT
gujaf-141	210	30	.	.	PUNCT
gujaf-141	211	1	the	the	DET
gujaf-141	211	2	impact	impact	NOUN
gujaf-141	211	3	of	of	ADP
gujaf-141	211	4	firm	firm	ADJ
gujaf-141	211	5	age	age	NOUN
gujaf-141	211	6	and	and	CCONJ
gujaf-141	211	7	size	size	NOUN
gujaf-141	211	8	on	on	ADP
gujaf-141	211	9	the	the	DET
gujaf-141	211	10	relationship	relationship	NOUN
gujaf-141	211	11	among	among	ADP
gujaf-141	211	12	organizational	organizational	ADJ
gujaf-141	211	13	innovation	innovation	NOUN
gujaf-141	211	14	,	,	PUNCT
gujaf-141	211	15	learning	learning	NOUN
gujaf-141	211	16	,	,	PUNCT
gujaf-141	211	17	and	and	CCONJ
gujaf-141	211	18	performance	performance	NOUN
gujaf-141	211	19	:	:	PUNCT
gujaf-141	211	20	a	a	DET
gujaf-141	211	21	moderation	moderation	NOUN
gujaf-141	211	22	analysis	analysis	NOUN
gujaf-141	211	23	in	in	ADP
gujaf-141	211	24	asian	asian	ADJ
gujaf-141	211	25	food	food	NOUN
gujaf-141	211	26	.	.	PUNCT
gujaf-141	212	1	interdisciplinary	interdisciplinary	ADJ
gujaf-141	212	2	journal	journal	NOUN
gujaf-141	212	3	of	of	ADP
gujaf-141	212	4	contemporary	contemporary	ADJ
gujaf-141	212	5	research	research	NOUN
gujaf-141	212	6	in	in	ADP
gujaf-141	212	7	business	business	NOUN
gujaf-141	212	8	,	,	PUNCT
gujaf-141	212	9	5(3	5(3	NUM
gujaf-141	212	10	)	)	PUNCT
gujaf-141	212	11	,	,	PUNCT
gujaf-141	212	12	166	166	NUM
gujaf-141	212	13	-	-	SYM
gujaf-141	212	14	174	174	NUM
gujaf-141	212	15	.	.	PUNCT
gujaf-141	213	1	ibenta	ibenta	PROPN
gujaf-141	213	2	o.	o.	PROPN
gujaf-141	213	3	r.	r.	PROPN
gujaf-141	213	4	&	&	CCONJ
gujaf-141	213	5	samuel	samuel	PROPN
gujaf-141	213	6	f.	f.	PROPN
gujaf-141	213	7	(	(	PUNCT
gujaf-141	213	8	2018	2018	NUM
gujaf-141	213	9	)	)	PUNCT
gujaf-141	213	10	.	.	PUNCT
gujaf-141	214	1	evaluation	evaluation	NOUN
gujaf-141	214	2	of	of	ADP
gujaf-141	214	3	the	the	DET
gujaf-141	214	4	financial	financial	ADJ
gujaf-141	214	5	performance	performance	NOUN
gujaf-141	214	6	of	of	ADP
gujaf-141	214	7	deposit	deposit	NOUN
gujaf-141	214	8	money	money	NOUN
gujaf-141	214	9	banks	bank	NOUN
gujaf-141	214	10	in	in	ADP
gujaf-141	214	11	nigeria	nigeria	PROPN
gujaf-141	214	12	(	(	PUNCT
gujaf-141	214	13	2001	2001	NUM
gujaf-141	214	14	–	–	PUNCT
gujaf-141	214	15	2014	2014	NUM
gujaf-141	214	16	)	)	PUNCT
gujaf-141	214	17	.	.	PUNCT
gujaf-141	215	1	iiard	iiard	PROPN
gujaf-141	215	2	international	international	ADJ
gujaf-141	215	3	journal	journal	NOUN
gujaf-141	215	4	of	of	ADP
gujaf-141	215	5	banking	banking	NOUN
gujaf-141	215	6	and	and	CCONJ
gujaf-141	215	7	finance	finance	NOUN
gujaf-141	215	8	research	research	NOUN
gujaf-141	215	9	,	,	PUNCT
gujaf-141	215	10	4(2	4(2	NUM
gujaf-141	215	11	)	)	PUNCT
gujaf-141	215	12	,	,	PUNCT
gujaf-141	215	13	23–50	23–50	NUM
gujaf-141	215	14	.	.	PUNCT
gujaf-141	216	1	lipuma	lipuma	PROPN
gujaf-141	216	2	j.	j.	PROPN
gujaf-141	216	3	,	,	PUNCT
gujaf-141	216	4	newbert	newbert	PROPN
gujaf-141	216	5	s.	s.	PROPN
gujaf-141	216	6	,	,	PUNCT
gujaf-141	216	7	&	&	CCONJ
gujaf-141	216	8	doh	doh	PROPN
gujaf-141	216	9	j.	j.	PROPN
gujaf-141	216	10	(	(	PUNCT
gujaf-141	216	11	2013	2013	NUM
gujaf-141	216	12	)	)	PUNCT
gujaf-141	216	13	.	.	PUNCT
gujaf-141	217	1	the	the	DET
gujaf-141	217	2	effect	effect	NOUN
gujaf-141	217	3	of	of	ADP
gujaf-141	217	4	institutional	institutional	ADJ
gujaf-141	217	5	quality	quality	NOUN
gujaf-141	217	6	on	on	ADP
gujaf-141	217	7	firm	firm	ADJ
gujaf-141	217	8	export	export	NOUN
gujaf-141	217	9	performance	performance	NOUN
gujaf-141	217	10	in	in	ADP
gujaf-141	217	11	emerging	emerge	VERB
gujaf-141	217	12	economies	economy	NOUN
gujaf-141	217	13	:	:	PUNCT
gujaf-141	217	14	a	a	DET
gujaf-141	217	15	contigency	contigency	NOUN
gujaf-141	217	16	model	model	NOUN
gujaf-141	217	17	of	of	ADP
gujaf-141	217	18	firm	firm	ADJ
gujaf-141	217	19	age	age	NOUN
gujaf-141	217	20	and	and	CCONJ
gujaf-141	217	21	size	size	NOUN
gujaf-141	217	22	.	.	PUNCT
gujaf-141	218	1	small	small	ADJ
gujaf-141	218	2	business	business	NOUN
gujaf-141	218	3	economics	economic	NOUN
gujaf-141	218	4	,	,	PUNCT
gujaf-141	218	5	4(2	4(2	NUM
gujaf-141	218	6	)	)	PUNCT
gujaf-141	218	7	,	,	PUNCT
gujaf-141	218	8	817	817	NUM
gujaf-141	218	9	-	-	SYM
gujaf-141	218	10	841	841	NUM
gujaf-141	218	11	.	.	PUNCT
gujaf-141	219	1	i̇slatince	i̇slatince	NOUN
gujaf-141	219	2	n.	n.	NOUN
gujaf-141	219	3	(	(	PUNCT
gujaf-141	219	4	2015	2015	NUM
gujaf-141	219	5	)	)	PUNCT
gujaf-141	219	6	.	.	PUNCT
gujaf-141	220	1	analysis	analysis	NOUN
gujaf-141	220	2	of	of	ADP
gujaf-141	220	3	the	the	DET
gujaf-141	220	4	factors	factor	NOUN
gujaf-141	220	5	that	that	PRON
gujaf-141	220	6	determine	determine	VERB
gujaf-141	220	7	the	the	DET
gujaf-141	220	8	profitability	profitability	NOUN
gujaf-141	220	9	of	of	ADP
gujaf-141	220	10	the	the	DET
gujaf-141	220	11	deposit	deposit	NOUN
gujaf-141	220	12	banks	bank	NOUN
gujaf-141	220	13	in	in	ADP
gujaf-141	220	14	mark	mark	PROPN
gujaf-141	220	15	j.	j.	PROPN
gujaf-141	220	16	a	a	PROPN
gujaf-141	220	17	,	,	PUNCT
gujaf-141	220	18	abbag	abbag	PROPN
gujaf-141	220	19	.	.	PUNCT
gujaf-141	221	1	o	o	NOUN
gujaf-141	221	2	,	,	PUNCT
gujaf-141	221	3	okwa	okwa	PROPN
gujaf-141	221	4	e	e	NOUN
gujaf-141	221	5	,	,	PUNCT
gujaf-141	221	6	soje	soje	PROPN
gujaf-141	221	7	b	b	NOUN
gujaf-141	221	8	,	,	PUNCT
gujaf-141	221	9	&	&	CCONJ
gujaf-141	221	10	aikpitanyi	aikpitanyi	PROPN
gujaf-141	221	11	l.	l.	PROPN
gujaf-141	221	12	n.	n.	PROPN
gujaf-141	221	13	(	(	PUNCT
gujaf-141	221	14	2019	2019	NUM
gujaf-141	221	15	)	)	PUNCT
gujaf-141	221	16	.	.	PUNCT
gujaf-141	222	1	determinants	determinant	NOUN
gujaf-141	222	2	of	of	ADP
gujaf-141	222	3	capital	capital	NOUN
gujaf-141	222	4	adequacy	adequacy	NOUN
gujaf-141	222	5	ratio	ratio	NOUN
gujaf-141	222	6	of	of	ADP
gujaf-141	222	7	deposit	deposit	NOUN
gujaf-141	222	8	money	money	NOUN
gujaf-141	222	9	banks	bank	NOUN
gujaf-141	222	10	in	in	ADP
gujaf-141	222	11	nigeria	nigeria	PROPN
gujaf-141	222	12	.	.	PUNCT
gujaf-141	223	1	journal	journal	PROPN
gujaf-141	223	2	of	of	ADP
gujaf-141	223	3	accounting	accounting	PROPN
gujaf-141	223	4	&	&	CCONJ
gujaf-141	223	5	marketing	marketing	PROPN
gujaf-141	223	6	,	,	PUNCT
gujaf-141	223	7	7(2	7(2	NUM
gujaf-141	223	8	)	)	PUNCT
gujaf-141	223	9	,	,	PUNCT
gujaf-141	223	10	morgan	morgan	PROPN
gujaf-141	223	11	n.	n.	PROPN
gujaf-141	223	12	,	,	PUNCT
gujaf-141	223	13	kaleka	kaleka	PROPN
gujaf-141	223	14	a.	a.	PROPN
gujaf-141	223	15	&	&	CCONJ
gujaf-141	223	16	katsikeas	katsikeas	PROPN
gujaf-141	223	17	c.	c.	PROPN
gujaf-141	223	18	(	(	PUNCT
gujaf-141	223	19	2004	2004	NUM
gujaf-141	223	20	)	)	PUNCT
gujaf-141	223	21	.	.	PUNCT
gujaf-141	224	1	antecedents	antecedent	NOUN
gujaf-141	224	2	of	of	ADP
gujaf-141	224	3	export	export	NOUN
gujaf-141	224	4	venture	venture	NOUN
gujaf-141	224	5	13	13	NUM
gujaf-141	224	6	performance	performance	NOUN
gujaf-141	224	7	:	:	PUNCT
gujaf-141	224	8	a	a	DET
gujaf-141	224	9	theoretical	theoretical	ADJ
gujaf-141	224	10	model	model	NOUN
gujaf-141	224	11	and	and	CCONJ
gujaf-141	224	12	empirical	empirical	ADJ
gujaf-141	224	13	assessment	assessment	NOUN
gujaf-141	224	14	.	.	PUNCT
gujaf-141	225	1	journal	journal	NOUN
gujaf-141	225	2	of	of	ADP
gujaf-141	225	3	marketing	marketing	NOUN
gujaf-141	225	4	,	,	PUNCT
gujaf-141	225	5	68	68	NUM
gujaf-141	225	6	,	,	PUNCT
gujaf-141	225	7	90	90	NUM
gujaf-141	225	8	-	-	SYM
gujaf-141	225	9	108	108	NUM
gujaf-141	225	10	.	.	PUNCT
gujaf-141	226	1	naceur	naceur	PROPN
gujaf-141	226	2	s.	s.	PROPN
gujaf-141	226	3	b.	b.	PROPN
gujaf-141	226	4	,	,	PUNCT
gujaf-141	226	5	&	&	CCONJ
gujaf-141	226	6	goaied	goaie	VERB
gujaf-141	226	7	m.	m.	NOUN
gujaf-141	226	8	(	(	PUNCT
gujaf-141	226	9	2008	2008	NUM
gujaf-141	226	10	)	)	PUNCT
gujaf-141	226	11	.	.	PUNCT
gujaf-141	227	1	the	the	DET
gujaf-141	227	2	determinants	determinant	NOUN
gujaf-141	227	3	of	of	ADP
gujaf-141	227	4	commercial	commercial	ADJ
gujaf-141	227	5	bank	bank	NOUN
gujaf-141	227	6	interest	interest	NOUN
gujaf-141	227	7	margin	margin	NOUN
gujaf-141	227	8	and	and	CCONJ
gujaf-141	227	9	profitability	profitability	NOUN
gujaf-141	227	10	,	,	PUNCT
gujaf-141	227	11	evidence	evidence	NOUN
gujaf-141	227	12	from	from	ADP
gujaf-141	227	13	tunisia	tunisia	PROPN
gujaf-141	227	14	.	.	PUNCT
gujaf-141	228	1	frontiers	frontier	NOUN
gujaf-141	228	2	in	in	ADP
gujaf-141	228	3	finance	finance	NOUN
gujaf-141	228	4	and	and	CCONJ
gujaf-141	228	5	economics	economic	NOUN
gujaf-141	228	6	,	,	PUNCT
gujaf-141	228	7	5(1	5(1	NUM
gujaf-141	228	8	):	):	PUNCT
gujaf-141	228	9	106	106	NUM
gujaf-141	228	10	-	-	SYM
gujaf-141	228	11	130	130	NUM
gujaf-141	228	12	.	.	PUNCT
gujaf-141	229	1	naceur	naceur	PROPN
gujaf-141	229	2	s.	s.	PROPN
gujaf-141	229	3	b	b	PROPN
gujaf-141	229	4	,	,	PUNCT
gujaf-141	229	5	&	&	CCONJ
gujaf-141	229	6	goaied	goaied	ADJ
gujaf-141	229	7	m.	m.	NOUN
gujaf-141	229	8	(	(	PUNCT
gujaf-141	229	9	2020	2020	NUM
gujaf-141	229	10	)	)	PUNCT
gujaf-141	229	11	.	.	PUNCT
gujaf-141	230	1	profitability	profitability	NOUN
gujaf-141	230	2	of	of	ADP
gujaf-141	230	3	commercial	commercial	ADJ
gujaf-141	230	4	bank	bank	NOUN
gujaf-141	230	5	on	on	ADP
gujaf-141	230	6	interest	interest	NOUN
gujaf-141	230	7	margin	margin	NOUN
gujaf-141	230	8	:	:	PUNCT
gujaf-141	230	9	evidence	evidence	NOUN
gujaf-141	230	10	from	from	ADP
gujaf-141	230	11	tunisia	tunisia	PROPN
gujaf-141	230	12	.	.	PUNCT
gujaf-141	231	1	frontiers	frontier	NOUN
gujaf-141	231	2	in	in	ADP
gujaf-141	231	3	finance	finance	NOUN
gujaf-141	231	4	and	and	CCONJ
gujaf-141	231	5	economics	economic	NOUN
gujaf-141	231	6	,	,	PUNCT
gujaf-141	231	7	2(6	2(6	NUM
gujaf-141	231	8	):	):	PUNCT
gujaf-141	231	9	10	10	NUM
gujaf-141	231	10	-	-	SYM
gujaf-141	231	11	18	18	NUM
gujaf-141	231	12	.	.	PUNCT
gujaf-141	232	1	okey	okey	PROPN
gujaf-141	232	2	n.	n.	PROPN
gujaf-141	232	3	,	,	PUNCT
gujaf-141	232	4	precious	precious	ADJ
gujaf-141	232	5	o.	o.	NOUN
gujaf-141	232	6	,	,	PUNCT
gujaf-141	232	7	&	&	CCONJ
gujaf-141	232	8	obi	obi	PROPN
gujaf-141	232	9	j.	j.	PROPN
gujaf-141	232	10	(	(	PUNCT
gujaf-141	232	11	2019	2019	NUM
gujaf-141	232	12	)	)	PUNCT
gujaf-141	232	13	.	.	PUNCT
gujaf-141	233	1	financial	financial	ADJ
gujaf-141	233	2	soundness	soundness	NOUN
gujaf-141	233	3	of	of	ADP
gujaf-141	233	4	deposit	deposit	NOUN
gujaf-141	233	5	money	money	NOUN
gujaf-141	233	6	banks	bank	NOUN
gujaf-141	233	7	in	in	ADP
gujaf-141	233	8	nigeria	nigeria	PROPN
gujaf-141	233	9	 	 	SPACE
gujaf-141	233	10	:	:	PUNCT
gujaf-141	233	11	the	the	DET
gujaf-141	233	12	camels	camel	NOUN
gujaf-141	233	13	model	model	NOUN
gujaf-141	233	14	approach	approach	NOUN
gujaf-141	233	15	.	.	PUNCT
gujaf-141	234	1	international	international	ADJ
gujaf-141	234	2	journal	journal	PROPN
gujaf-141	234	3	of	of	ADP
gujaf-141	234	4	family	family	NOUN
gujaf-141	234	5	business	business	NOUN
gujaf-141	234	6	and	and	CCONJ
gujaf-141	234	7	management	management	NOUN
gujaf-141	234	8	3(1	3(1	NUM
gujaf-141	234	9	)	)	PUNCT
gujaf-141	234	10	,	,	PUNCT
gujaf-141	234	11	1–8	1–8	X
gujaf-141	234	12	.	.	PUNCT
gujaf-141	234	13	olabamiji	olabamiji	PROPN
gujaf-141	234	14	,	,	PUNCT
gujaf-141	234	15	o.	o.	PROPN
gujaf-141	234	16	,	,	PUNCT
gujaf-141	234	17	&	&	CCONJ
gujaf-141	234	18	michael	michael	PROPN
gujaf-141	234	19	,	,	PUNCT
gujaf-141	234	20	o.	o.	PROPN
gujaf-141	234	21	(	(	PUNCT
gujaf-141	234	22	2018	2018	NUM
gujaf-141	234	23	)	)	PUNCT
gujaf-141	234	24	.	.	PUNCT
gujaf-141	235	1	credit	credit	NOUN
gujaf-141	235	2	management	management	NOUN
gujaf-141	235	3	practices	practice	NOUN
gujaf-141	235	4	and	and	CCONJ
gujaf-141	235	5	bank	bank	NOUN
gujaf-141	235	6	performance	performance	NOUN
gujaf-141	235	7	 	 	SPACE
gujaf-141	235	8	:	:	PUNCT
gujaf-141	235	9	evidence	evidence	NOUN
gujaf-141	235	10	from	from	ADP
gujaf-141	235	11	first	first	ADJ
gujaf-141	235	12	bank	bank	NOUN
gujaf-141	235	13	.	.	PUNCT
gujaf-141	236	1	south	south	ADJ
gujaf-141	236	2	asian	asian	PROPN
gujaf-141	236	3	journal	journal	PROPN
gujaf-141	236	4	of	of	ADP
gujaf-141	236	5	social	social	ADJ
gujaf-141	236	6	studies	study	NOUN
gujaf-141	236	7	and	and	CCONJ
gujaf-141	236	8	economics	economic	NOUN
gujaf-141	236	9	,	,	PUNCT
gujaf-141	236	10	1(1),1–10	1(1),1–10	NUM
gujaf-141	236	11	.	.	PUNCT
gujaf-141	237	1	oladipupo	oladipupo	PROPN
gujaf-141	237	2	f.	f.	PROPN
gujaf-141	237	3	(	(	PUNCT
gujaf-141	237	4	2015	2015	NUM
gujaf-141	237	5	)	)	PUNCT
gujaf-141	237	6	.	.	PUNCT
gujaf-141	238	1	determinants	determinant	NOUN
gujaf-141	238	2	of	of	ADP
gujaf-141	238	3	deposit	deposit	NOUN
gujaf-141	238	4	money	money	NOUN
gujaf-141	238	5	banks	bank	NOUN
gujaf-141	238	6	profitability	profitability	NOUN
gujaf-141	238	7	in	in	ADP
gujaf-141	238	8	nigeria	nigeria	PROPN
gujaf-141	238	9	.	.	PUNCT
gujaf-141	239	1	kuwait	kuwait	PROPN
gujaf-141	239	2	chapter	chapter	PROPN
gujaf-141	239	3	of	of	ADP
gujaf-141	239	4	arabian	arabian	ADJ
gujaf-141	239	5	journal	journal	PROPN
gujaf-141	239	6	of	of	ADP
gujaf-141	239	7	business	business	NOUN
gujaf-141	239	8	and	and	CCONJ
gujaf-141	239	9	management	management	NOUN
gujaf-141	239	10	review	review	NOUN
gujaf-141	239	11	,	,	PUNCT
gujaf-141	239	12	4(9	4(9	NUM
gujaf-141	239	13	)	)	PUNCT
gujaf-141	239	14	,	,	PUNCT
gujaf-141	239	15	10–18	10–18	NUM
gujaf-141	239	16	.	.	NOUN
gujaf-141	240	1	olarewaju	olarewaju	ADJ
gujaf-141	240	2	,	,	PUNCT
gujaf-141	240	3	o.	o.	PROPN
gujaf-141	240	4	m	m	PROPN
gujaf-141	240	5	,	,	PUNCT
gujaf-141	240	6	&	&	CCONJ
gujaf-141	241	1	akande	akande	PROPN
gujaf-141	241	2	j.	j.	PROPN
gujaf-141	241	3	o.	o.	PROPN
gujaf-141	241	4	(	(	PUNCT
gujaf-141	241	5	2016	2016	NUM
gujaf-141	241	6	)	)	PUNCT
gujaf-141	241	7	.	.	PUNCT
gujaf-141	242	1	an	an	DET
gujaf-141	242	2	empirical	empirical	ADJ
gujaf-141	242	3	analysis	analysis	NOUN
gujaf-141	242	4	of	of	ADP
gujaf-141	242	5	capital	capital	NOUN
gujaf-141	242	6	adequacy	adequacy	NOUN
gujaf-141	242	7	determinants	determinant	NOUN
gujaf-141	242	8	in	in	ADP
gujaf-141	242	9	nigerian	nigerian	ADJ
gujaf-141	242	10	banking	banking	NOUN
gujaf-141	242	11	sector	sector	NOUN
gujaf-141	242	12	.	.	PUNCT
gujaf-141	243	1	international	international	ADJ
gujaf-141	243	2	journal	journal	PROPN
gujaf-141	243	3	of	of	ADP
gujaf-141	243	4	economics	economic	NOUN
gujaf-141	243	5	and	and	CCONJ
gujaf-141	243	6	finance	finance	NOUN
gujaf-141	243	7	,	,	PUNCT
gujaf-141	243	8	8(12	8(12	NUM
gujaf-141	243	9	)	)	PUNCT
gujaf-141	243	10	,	,	PUNCT
gujaf-141	243	11	132	132	NUM
gujaf-141	243	12	–	–	SYM
gujaf-141	243	13	142	142	NUM
gujaf-141	243	14	.	.	PUNCT
gujaf-141	244	1	osadume	osadume	PROPN
gujaf-141	244	2	r.	r.	PROPN
gujaf-141	244	3	(	(	PUNCT
gujaf-141	244	4	2018	2018	NUM
gujaf-141	244	5	)	)	PUNCT
gujaf-141	244	6	.	.	PUNCT
gujaf-141	245	1	evaluation	evaluation	NOUN
gujaf-141	245	2	of	of	ADP
gujaf-141	245	3	the	the	DET
gujaf-141	245	4	financial	financial	ADJ
gujaf-141	245	5	performance	performance	NOUN
gujaf-141	245	6	of	of	ADP
gujaf-141	245	7	deposit	deposit	NOUN
gujaf-141	245	8	money	money	NOUN
gujaf-141	245	9	banks	bank	NOUN
gujaf-141	245	10	in	in	ADP
gujaf-141	245	11	nigeria	nigeria	PROPN
gujaf-141	245	12	(	(	PUNCT
gujaf-141	245	13	2001	2001	NUM
gujaf-141	245	14	–	–	PUNCT
gujaf-141	245	15	2014	2014	NUM
gujaf-141	245	16	)	)	PUNCT
gujaf-141	245	17	.	.	PUNCT
gujaf-141	246	1	iiard	iiard	PROPN
gujaf-141	246	2	international	international	ADJ
gujaf-141	246	3	journal	journal	NOUN
gujaf-141	246	4	of	of	ADP
gujaf-141	246	5	banking	banking	NOUN
gujaf-141	246	6	and	and	CCONJ
gujaf-141	246	7	finance	finance	NOUN
gujaf-141	246	8	research	research	NOUN
gujaf-141	246	9	,	,	PUNCT
gujaf-141	246	10	4(2	4(2	NUM
gujaf-141	246	11	)	)	PUNCT
gujaf-141	246	12	,	,	PUNCT
gujaf-141	246	13	23	23	NUM
gujaf-141	246	14	–	–	SYM
gujaf-141	246	15	50	50	NUM
gujaf-141	246	16	.	.	PUNCT
gujaf-141	247	1	osunsan	osunsan	PROPN
gujaf-141	247	2	o.	o.	PROPN
gujaf-141	247	3	k.	k.	PROPN
gujaf-141	247	4	,	,	PUNCT
gujaf-141	247	5	nowak	nowak	PROPN
gujaf-141	247	6	j	j	PROPN
gujaf-141	247	7	,	,	PUNCT
gujaf-141	247	8	mabonga	mabonga	PROPN
gujaf-141	247	9	e	e	NOUN
gujaf-141	247	10	,	,	PUNCT
gujaf-141	247	11	pule	pule	PROPN
gujaf-141	247	12	s	s	PROPN
gujaf-141	247	13	,	,	PUNCT
gujaf-141	247	14	kibirige	kibirige	ADJ
gujaf-141	247	15	a.	a.	NOUN
gujaf-141	247	16	r	r	PROPN
gujaf-141	247	17	,	,	PUNCT
gujaf-141	247	18	&	&	CCONJ
gujaf-141	247	19	baliruno	baliruno	PROPN
gujaf-141	247	20	j.	j.	PROPN
gujaf-141	247	21	b.	b.	PROPN
gujaf-141	247	22	(	(	PUNCT
gujaf-141	247	23	2019	2019	NUM
gujaf-141	247	24	)	)	PUNCT
gujaf-141	247	25	.	.	PUNCT
gujaf-141	248	1	firm	firm	ADJ
gujaf-141	248	2	age	age	NOUN
gujaf-141	248	3	and	and	CCONJ
gujaf-141	248	4	performance	performance	NOUN
gujaf-141	248	5	in	in	ADP
gujaf-141	248	6	kampala	kampala	PROPN
gujaf-141	248	7	,	,	PUNCT
gujaf-141	248	8	uganda	uganda	PROPN
gujaf-141	248	9	 	 	SPACE
gujaf-141	248	10	:	:	PUNCT
gujaf-141	248	11	a	a	DET
gujaf-141	248	12	selection	selection	NOUN
gujaf-141	248	13	of	of	ADP
gujaf-141	248	14	small	small	ADJ
gujaf-141	248	15	business	business	NOUN
gujaf-141	248	16	enterprises	enterprise	NOUN
gujaf-141	248	17	.	.	PUNCT
gujaf-141	249	1	international	international	ADJ
gujaf-141	249	2	journal	journal	PROPN
gujaf-141	249	3	of	of	ADP
gujaf-141	249	4	academic	academic	ADJ
gujaf-141	249	5	research	research	NOUN
gujaf-141	249	6	in	in	ADP
gujaf-141	249	7	business	business	NOUN
gujaf-141	249	8	and	and	CCONJ
gujaf-141	249	9	social	social	ADJ
gujaf-141	249	10	sciences	science	NOUN
gujaf-141	249	11	,	,	PUNCT
gujaf-141	249	12	5(4	5(4	NUM
gujaf-141	249	13	)	)	PUNCT
gujaf-141	249	14	,	,	PUNCT
gujaf-141	249	15	412–422	412–422	NUM
gujaf-141	249	16	.	.	PUNCT
gujaf-141	250	1	oyinpreye	oyinpreye	NOUN
gujaf-141	250	2	t.	t.	NOUN
gujaf-141	250	3	(	(	PUNCT
gujaf-141	250	4	2016	2016	NUM
gujaf-141	250	5	)	)	PUNCT
gujaf-141	250	6	.	.	PUNCT
gujaf-141	251	1	return	return	VERB
gujaf-141	251	2	on	on	ADP
gujaf-141	251	3	assets	asset	NOUN
gujaf-141	251	4	and	and	CCONJ
gujaf-141	251	5	capital	capital	NOUN
gujaf-141	251	6	adequacy	adequacy	NOUN
gujaf-141	251	7	of	of	ADP
gujaf-141	251	8	banks	bank	NOUN
gujaf-141	251	9	in	in	ADP
gujaf-141	251	10	nigeria	nigeria	PROPN
gujaf-141	251	11	.	.	PUNCT
gujaf-141	252	1	advances	advance	NOUN
gujaf-141	252	2	in	in	ADP
gujaf-141	252	3	social	social	ADJ
gujaf-141	252	4	sciences	science	NOUN
gujaf-141	252	5	research	research	NOUN
gujaf-141	252	6	journal,3(12	journal,3(12	PROPN
gujaf-141	252	7	)	)	PUNCT
gujaf-141	252	8	,	,	PUNCT
gujaf-141	252	9	139–149	139–149	NUM
gujaf-141	252	10	.	.	PUNCT
gujaf-141	253	1	peterson	peterson	PROPN
gujaf-141	253	2	k.	k.	PROPN
gujaf-141	253	3	(	(	PUNCT
gujaf-141	253	4	2019	2019	NUM
gujaf-141	253	5	)	)	PUNCT
gujaf-141	253	6	.	.	PUNCT
gujaf-141	254	1	determinants	determinant	NOUN
gujaf-141	254	2	of	of	ADP
gujaf-141	254	3	banking	banking	NOUN
gujaf-141	254	4	stability	stability	NOUN
gujaf-141	254	5	in	in	ADP
gujaf-141	254	6	nigeria	nigeria	PROPN
gujaf-141	254	7	.	.	PUNCT
gujaf-141	255	1	munich	munich	PROPN
gujaf-141	255	2	personal	personal	PROPN
gujaf-141	255	3	repecarchive	repecarchive	PROPN
gujaf-141	255	4	.	.	PUNCT
gujaf-141	256	1	journal	journal	PROPN
gujaf-141	256	2	of	of	ADP
gujaf-141	256	3	european	european	PROPN
gujaf-141	256	4	research	research	NOUN
gujaf-141	256	5	in	in	ADP
gujaf-141	256	6	business	business	NOUN
gujaf-141	256	7	and	and	CCONJ
gujaf-141	256	8	economics	economic	NOUN
gujaf-141	256	9	,	,	PUNCT
gujaf-141	256	10	5(4	5(4	NUM
gujaf-141	256	11	)	)	PUNCT
gujaf-141	256	12	,	,	PUNCT
gujaf-141	256	13	153–165	153–165	NUM
gujaf-141	256	14	.	.	PUNCT
gujaf-141	257	1	ramadan	ramadan	PROPN
gujaf-141	257	2	i	i	PROPN
gujaf-141	257	3	,	,	PUNCT
gujaf-141	257	4	queen	queen	PROPN
gujaf-141	257	5	a	a	PRON
gujaf-141	257	6	,	,	PUNCT
gujaf-141	257	7	&	&	CCONJ
gujaf-141	257	8	theary	theary	ADJ
gujaf-141	257	9	.	.	PUNCT
gujaf-141	258	1	a.	a.	NOUN
gujaf-141	258	2	(	(	PUNCT
gujaf-141	258	3	2015	2015	NUM
gujaf-141	258	4	)	)	PUNCT
gujaf-141	258	5	.	.	PUNCT
gujaf-141	259	1	determinant	determinant	ADJ
gujaf-141	259	2	of	of	ADP
gujaf-141	259	3	bank	bank	NOUN
gujaf-141	259	4	profitability	profitability	NOUN
gujaf-141	259	5	:	:	PUNCT
gujaf-141	259	6	evidence	evidence	NOUN
gujaf-141	259	7	from	from	ADP
gujaf-141	259	8	jordan	jordan	PROPN
gujaf-141	259	9	.	.	PUNCT
gujaf-141	260	1	international	international	ADJ
gujaf-141	260	2	journal	journal	PROPN
gujaf-141	260	3	of	of	ADP
gujaf-141	260	4	academic	academic	ADJ
gujaf-141	260	5	research	research	NOUN
gujaf-141	260	6	,	,	PUNCT
gujaf-141	260	7	3(4	3(4	NUM
gujaf-141	260	8	)	)	PUNCT
gujaf-141	260	9	,	,	PUNCT
gujaf-141	260	10	180	180	NUM
gujaf-141	260	11	–	–	SYM
gujaf-141	260	12	191	191	NUM
gujaf-141	260	13	.	.	PUNCT
gujaf-141	261	1	richard	richard	PROPN
gujaf-141	261	2	b.	b.	PROPN
gujaf-141	261	3	o	o	PROPN
gujaf-141	261	4	,	,	PUNCT
gujaf-141	261	5	and	and	CCONJ
gujaf-141	261	6	o.	o.	PROPN
gujaf-141	261	7	c.	c.	PROPN
gujaf-141	261	8	(	(	PUNCT
gujaf-141	261	9	2013	2013	NUM
gujaf-141	261	10	)	)	PUNCT
gujaf-141	261	11	.	.	PUNCT
gujaf-141	262	1	the	the	DET
gujaf-141	262	2	determinants	determinant	NOUN
gujaf-141	262	3	of	of	ADP
gujaf-141	262	4	financial	financial	ADJ
gujaf-141	262	5	performance	performance	NOUN
gujaf-141	262	6	of	of	ADP
gujaf-141	262	7	quoted	quote	VERB
gujaf-141	262	8	banks	bank	NOUN
gujaf-141	262	9	in	in	ADP
gujaf-141	262	10	nigeria	nigeria	PROPN
gujaf-141	262	11	.	.	PUNCT
gujaf-141	263	1	international	international	ADJ
gujaf-141	263	2	journal	journal	PROPN
gujaf-141	263	3	of	of	ADP
gujaf-141	263	4	education	education	NOUN
gujaf-141	263	5	and	and	CCONJ
gujaf-141	263	6	research	research	NOUN
gujaf-141	263	7	,	,	PUNCT
gujaf-141	263	8	1(10	1(10	NUM
gujaf-141	263	9	)	)	PUNCT
gujaf-141	263	10	,	,	PUNCT
gujaf-141	263	11	1–18	1–18	PROPN
gujaf-141	263	12	.	.	PUNCT
gujaf-141	264	1	robert	robert	PROPN
gujaf-141	264	2	o.	o.	PROPN
gujaf-141	264	3	(	(	PUNCT
gujaf-141	264	4	2017	2017	NUM
gujaf-141	264	5	)	)	PUNCT
gujaf-141	264	6	.	.	PUNCT
gujaf-141	265	1	analysis	analysis	NOUN
gujaf-141	265	2	of	of	ADP
gujaf-141	265	3	factors	factor	NOUN
gujaf-141	265	4	influancing	influance	VERB
gujaf-141	265	5	the	the	DET
gujaf-141	265	6	profitability	profitability	NOUN
gujaf-141	265	7	of	of	ADP
gujaf-141	265	8	listed	list	VERB
gujaf-141	265	9	commercial	commercial	ADJ
gujaf-141	265	10	banks	bank	NOUN
gujaf-141	265	11	in	in	ADP
gujaf-141	265	12	kenya	kenya	PROPN
gujaf-141	265	13	.	.	PUNCT
gujaf-141	266	1	a	a	DET
gujaf-141	266	2	msc	msc	PROPN
gujaf-141	266	3	thesis	thesis	NOUN
gujaf-141	266	4	,	,	PUNCT
gujaf-141	266	5	university	university	NOUN
gujaf-141	266	6	of	of	ADP
gujaf-141	266	7	narobi	narobi	PROPN
gujaf-141	266	8	,	,	PUNCT
gujaf-141	266	9	kenya	kenya	PROPN
gujaf-141	266	10	.	.	PUNCT
gujaf-141	267	1	samuel	samuel	PROPN
gujaf-141	267	2	f.	f.	PROPN
gujaf-141	267	3	(	(	PUNCT
gujaf-141	267	4	2015	2015	NUM
gujaf-141	267	5	)	)	PUNCT
gujaf-141	267	6	.	.	PUNCT
gujaf-141	268	1	evaluation	evaluation	NOUN
gujaf-141	268	2	of	of	ADP
gujaf-141	268	3	the	the	DET
gujaf-141	268	4	financial	financial	ADJ
gujaf-141	268	5	performance	performance	NOUN
gujaf-141	268	6	of	of	ADP
gujaf-141	268	7	deposit	deposit	NOUN
gujaf-141	268	8	money	money	NOUN
gujaf-141	268	9	banks	bank	NOUN
gujaf-141	268	10	in	in	ADP
gujaf-141	268	11	nigeria	nigeria	PROPN
gujaf-141	268	12	(	(	PUNCT
gujaf-141	268	13	2001	2001	NUM
gujaf-141	268	14	–	–	PUNCT
gujaf-141	268	15	2014	2014	NUM
gujaf-141	268	16	)	)	PUNCT
gujaf-141	268	17	.	.	PUNCT
gujaf-141	269	1	iiard	iiard	PROPN
gujaf-141	269	2	international	international	ADJ
gujaf-141	269	3	journal	journal	NOUN
gujaf-141	269	4	of	of	ADP
gujaf-141	269	5	banking	banking	NOUN
gujaf-141	269	6	and	and	CCONJ
gujaf-141	269	7	finance	finance	NOUN
gujaf-141	269	8	research	research	NOUN
gujaf-141	269	9	,	,	PUNCT
gujaf-141	269	10	4(2	4(2	NUM
gujaf-141	269	11	)	)	PUNCT
gujaf-141	269	12	,	,	PUNCT
gujaf-141	269	13	23–50	23–50	NUM
gujaf-141	269	14	.	.	PUNCT
gujaf-141	270	1	14	14	NUM
gujaf-141	270	2	sufian	sufian	PROPN
gujaf-141	270	3	f.	f.	PROPN
gujaf-141	270	4	,	,	PUNCT
gujaf-141	270	5	(	(	PUNCT
gujaf-141	270	6	2015	2015	NUM
gujaf-141	270	7	)	)	PUNCT
gujaf-141	270	8	.	.	PUNCT
gujaf-141	271	1	determinants	determinant	NOUN
gujaf-141	271	2	of	of	ADP
gujaf-141	271	3	profitability	profitability	NOUN
gujaf-141	271	4	in	in	ADP
gujaf-141	271	5	thailand	thailand	PROPN
gujaf-141	271	6	banking	banking	NOUN
gujaf-141	271	7	sector	sector	NOUN
gujaf-141	271	8	:	:	PUNCT
gujaf-141	271	9	panel	panel	NOUN
gujaf-141	271	10	evidence	evidence	NOUN
gujaf-141	271	11	from	from	ADP
gujaf-141	271	12	the	the	DET
gujaf-141	271	13	post	post	NOUN
gujaf-141	271	14	asian	asian	ADJ
gujaf-141	271	15	crisis	crisis	NOUN
gujaf-141	271	16	period	period	NOUN
gujaf-141	271	17	.	.	PUNCT
gujaf-141	272	1	international	international	ADJ
gujaf-141	272	2	journal	journal	PROPN
gujaf-141	272	3	of	of	ADP
gujaf-141	272	4	economics	economic	NOUN
gujaf-141	272	5	and	and	CCONJ
gujaf-141	272	6	accounting	accounting	NOUN
gujaf-141	272	7	,	,	PUNCT
gujaf-141	272	8	1	1	NUM
gujaf-141	272	9	:	:	SYM
gujaf-141	272	10	161	161	NUM
gujaf-141	272	11	179	179	NUM
gujaf-141	272	12	.	.	PUNCT
gujaf-141	273	1	sugianto	sugianto	PROPN
gujaf-141	273	2	d.	d.	PROPN
gujaf-141	273	3	k.	k.	PROPN
gujaf-141	274	1	(	(	PUNCT
gujaf-141	274	2	2017	2017	NUM
gujaf-141	274	3	)	)	PUNCT
gujaf-141	274	4	.	.	PUNCT
gujaf-141	275	1	the	the	DET
gujaf-141	275	2	moderating	moderate	VERB
gujaf-141	275	3	effect	effect	NOUN
gujaf-141	275	4	of	of	ADP
gujaf-141	275	5	age	age	NOUN
gujaf-141	275	6	,	,	PUNCT
gujaf-141	275	7	income	income	NOUN
gujaf-141	275	8	,	,	PUNCT
gujaf-141	275	9	gender	gender	NOUN
gujaf-141	275	10	,	,	PUNCT
gujaf-141	275	11	the	the	DET
gujaf-141	275	12	influence	influence	NOUN
gujaf-141	275	13	of	of	ADP
gujaf-141	275	14	customers	customer	NOUN
gujaf-141	275	15	satisfaction	satisfaction	VERB
gujaf-141	275	16	towords	toword	VERB
gujaf-141	275	17	customer	customer	NOUN
gujaf-141	275	18	loyalty	loyalty	NOUN
gujaf-141	275	19	in	in	ADP
gujaf-141	275	20	airline	airline	NOUN
gujaf-141	275	21	industry	industry	NOUN
gujaf-141	275	22	in	in	ADP
gujaf-141	275	23	china	china	PROPN
gujaf-141	275	24	:	:	PUNCT
gujaf-141	275	25	asian	asian	PROPN
gujaf-141	275	26	academy	academy	PROPN
gujaf-141	275	27	of	of	ADP
gujaf-141	275	28	management	management	PROPN
gujaf-141	275	29	journal	journal	PROPN
gujaf-141	275	30	of	of	ADP
gujaf-141	275	31	accounting	accounting	NOUN
gujaf-141	275	32	and	and	CCONJ
gujaf-141	275	33	finance	finance	NOUN
gujaf-141	275	34	,	,	PUNCT
gujaf-141	275	35	6(7	6(7	NUM
gujaf-141	275	36	)	)	PUNCT
gujaf-141	275	37	,	,	PUNCT
gujaf-141	275	38	205	205	NUM
gujaf-141	275	39	-	-	SYM
gujaf-141	275	40	213	213	NUM
gujaf-141	275	41	.	.	PUNCT
gujaf-141	276	1	tarawneh	tarawneh	PROPN
gujaf-141	276	2	m.	m.	NOUN
gujaf-141	276	3	(	(	PUNCT
gujaf-141	276	4	2006	2006	NUM
gujaf-141	276	5	)	)	PUNCT
gujaf-141	276	6	.	.	PUNCT
gujaf-141	277	1	a	a	DET
gujaf-141	277	2	comparison	comparison	NOUN
gujaf-141	277	3	of	of	ADP
gujaf-141	277	4	financial	financial	ADJ
gujaf-141	277	5	performance	performance	NOUN
gujaf-141	277	6	in	in	ADP
gujaf-141	277	7	the	the	DET
gujaf-141	277	8	banking	banking	NOUN
gujaf-141	277	9	sector	sector	NOUN
gujaf-141	277	10	:	:	PUNCT
gujaf-141	277	11	some	some	DET
gujaf-141	277	12	evidence	evidence	NOUN
gujaf-141	277	13	from	from	ADP
gujaf-141	277	14	oman	oman	ADJ
gujaf-141	277	15	commercial	commercial	ADJ
gujaf-141	277	16	banks	bank	NOUN
gujaf-141	277	17	.	.	PUNCT
gujaf-141	278	1	international	international	ADJ
gujaf-141	278	2	research	research	PROPN
gujaf-141	278	3	journal	journal	NOUN
gujaf-141	278	4	of	of	ADP
gujaf-141	278	5	finance	finance	NOUN
gujaf-141	278	6	and	and	CCONJ
gujaf-141	278	7	economics	economic	NOUN
gujaf-141	278	8	,	,	PUNCT
gujaf-141	278	9	3(1	3(1	NUM
gujaf-141	278	10	)	)	PUNCT
gujaf-141	278	11	,	,	PUNCT
gujaf-141	278	12	103	103	NUM
gujaf-141	278	13	-	-	SYM
gujaf-141	278	14	112	112	NUM
gujaf-141	278	15	.	.	PUNCT
gujaf-141	279	1	terraza	terraza	PROPN
gujaf-141	279	2	v.	v.	PROPN
gujaf-141	279	3	(	(	PUNCT
gujaf-141	279	4	2018	2018	NUM
gujaf-141	279	5	)	)	PUNCT
gujaf-141	279	6	.	.	PUNCT
gujaf-141	280	1	the	the	DET
gujaf-141	280	2	effect	effect	NOUN
gujaf-141	280	3	of	of	ADP
gujaf-141	280	4	bank	bank	NOUN
gujaf-141	280	5	size	size	NOUN
gujaf-141	280	6	on	on	ADP
gujaf-141	280	7	risk	risk	NOUN
gujaf-141	280	8	ratios	ratio	NOUN
gujaf-141	280	9	:	:	PUNCT
gujaf-141	280	10	implications	implication	NOUN
gujaf-141	280	11	of	of	ADP
gujaf-141	280	12	banks	bank	NOUN
gujaf-141	280	13	performance	performance	NOUN
gujaf-141	280	14	.	.	PUNCT
gujaf-141	281	1	centre	centre	NOUN
gujaf-141	281	2	for	for	ADP
gujaf-141	281	3	research	research	NOUN
gujaf-141	281	4	in	in	ADP
gujaf-141	281	5	economics	economic	NOUN
gujaf-141	281	6	and	and	CCONJ
gujaf-141	281	7	management	management	NOUN
gujaf-141	281	8	(	(	PUNCT
gujaf-141	281	9	crea	crea	NOUN
gujaf-141	281	10	)	)	PUNCT
gujaf-141	281	11	university	university	PROPN
gujaf-141	281	12	of	of	ADP
gujaf-141	281	13	luxembourg	luxembourg	PROPN
gujaf-141	281	14	,	,	PUNCT
gujaf-141	281	15	germany	germany	PROPN
gujaf-141	281	16	.	.	PUNCT
gujaf-141	281	17	3(6	3(6	PROPN
gujaf-141	281	18	)	)	PUNCT
gujaf-141	281	19	1–12	1–12	NOUN
gujaf-141	281	20	.	.	PUNCT
gujaf-141	282	1	udom	udom	PROPN
gujaf-141	282	2	i.	i.	PROPN
gujaf-141	282	3	s	s	PROPN
gujaf-141	282	4	,	,	PUNCT
gujaf-141	282	5	&	&	CCONJ
gujaf-141	282	6	raymond	raymond	PROPN
gujaf-141	282	7	o.	o.	PROPN
gujaf-141	282	8	(	(	PUNCT
gujaf-141	282	9	2018	2018	NUM
gujaf-141	282	10	)	)	PUNCT
gujaf-141	282	11	.	.	PUNCT
gujaf-141	283	1	effect	effect	NOUN
gujaf-141	283	2	of	of	ADP
gujaf-141	283	3	capital	capital	NOUN
gujaf-141	283	4	adequacy	adequacy	NOUN
gujaf-141	283	5	requirements	requirement	NOUN
gujaf-141	283	6	on	on	ADP
gujaf-141	283	7	the	the	DET
gujaf-141	283	8	profitability	profitability	NOUN
gujaf-141	283	9	of	of	ADP
gujaf-141	283	10	commercial	commercial	ADJ
gujaf-141	283	11	banks	bank	NOUN
gujaf-141	283	12	in	in	ADP
gujaf-141	283	13	nigeria	nigeria	PROPN
gujaf-141	283	14	.	.	PUNCT
gujaf-141	284	1	international	international	ADJ
gujaf-141	284	2	research	research	PROPN
gujaf-141	284	3	journal	journal	NOUN
gujaf-141	284	4	of	of	ADP
gujaf-141	284	5	finance	finance	NOUN
gujaf-141	284	6	and	and	CCONJ
gujaf-141	284	7	economics	economic	NOUN
gujaf-141	284	8	,	,	PUNCT
gujaf-141	284	9	2(5	2(5	NUM
gujaf-141	284	10	)	)	PUNCT
gujaf-141	284	11	165	165	NUM
gujaf-141	284	12	-	-	SYM
gujaf-141	284	13	172	172	NUM
gujaf-141	284	14	.	.	PUNCT
gujaf-141	285	1	ujuju	ujuju	PROPN
gujaf-141	285	2	e.	e.	PROPN
gujaf-141	285	3	and	and	CCONJ
gujaf-141	285	4	lorent	lorent	PROPN
gujaf-141	285	5	u.	u.	PROPN
gujaf-141	285	6	(	(	PUNCT
gujaf-141	285	7	2018	2018	NUM
gujaf-141	285	8	)	)	PUNCT
gujaf-141	285	9	.	.	PUNCT
gujaf-141	286	1	risk	risk	NOUN
gujaf-141	286	2	management	management	NOUN
gujaf-141	286	3	,	,	PUNCT
gujaf-141	286	4	risk	risk	NOUN
gujaf-141	286	5	concentration	concentration	NOUN
gujaf-141	286	6	and	and	CCONJ
gujaf-141	286	7	the	the	DET
gujaf-141	286	8	performamnce	performamnce	NOUN
gujaf-141	286	9	of	of	ADP
gujaf-141	286	10	nigerian	nigerian	ADJ
gujaf-141	286	11	deposit	deposit	NOUN
gujaf-141	286	12	money	money	NOUN
gujaf-141	286	13	banks	bank	NOUN
gujaf-141	286	14	.	.	PUNCT
gujaf-141	287	1	international	international	ADJ
gujaf-141	287	2	journal	journal	PROPN
gujaf-141	287	3	of	of	ADP
gujaf-141	287	4	business	business	NOUN
gujaf-141	287	5	and	and	CCONJ
gujaf-141	287	6	management	management	NOUN
gujaf-141	287	7	review	review	NOUN
gujaf-141	287	8	,	,	PUNCT
gujaf-141	287	9	6(10	6(10	NUM
gujaf-141	287	10	)	)	PUNCT
gujaf-141	287	11	,	,	PUNCT
gujaf-141	287	12	56–68	56–68	NUM
gujaf-141	287	13	.	.	PUNCT
gujaf-141	287	14	umoru	umoru	PROPN
gujaf-141	287	15	d	d	PROPN
gujaf-141	287	16	,	,	PUNCT
gujaf-141	287	17	&	&	CCONJ
gujaf-141	287	18	osemwegie	osemwegie	PROPN
gujaf-141	287	19	j.	j.	PROPN
gujaf-141	287	20	o.	o.	PROPN
gujaf-141	287	21	(	(	PUNCT
gujaf-141	287	22	2016	2016	NUM
gujaf-141	287	23	)	)	PUNCT
gujaf-141	287	24	.	.	PUNCT
gujaf-141	288	1	capital	capital	NOUN
gujaf-141	288	2	adequacy	adequacy	NOUN
gujaf-141	288	3	and	and	CCONJ
gujaf-141	288	4	financial	financial	ADJ
gujaf-141	288	5	performance	performance	NOUN
gujaf-141	288	6	of	of	ADP
gujaf-141	288	7	banks	bank	NOUN
gujaf-141	288	8	in	in	ADP
gujaf-141	288	9	nigeria	nigeria	PROPN
gujaf-141	288	10	 	 	SPACE
gujaf-141	288	11	:	:	PUNCT
gujaf-141	288	12	empirical	empirical	ADJ
gujaf-141	288	13	evidence	evidence	NOUN
gujaf-141	288	14	based	base	VERB
gujaf-141	288	15	on	on	ADP
gujaf-141	288	16	the	the	DET
gujaf-141	288	17	fgls	fgls	NUM
gujaf-141	288	18	estimator	estimator	NOUN
gujaf-141	288	19	.	.	PUNCT
gujaf-141	289	1	european	european	ADJ
gujaf-141	289	2	scientific	scientific	ADJ
gujaf-141	289	3	journal	journal	NOUN
gujaf-141	289	4	,	,	PUNCT
gujaf-141	289	5	12(25	12(25	PROPN
gujaf-141	289	6	)	)	PUNCT
gujaf-141	289	7	,	,	PUNCT
gujaf-141	289	8	295–305	295–305	NUM
gujaf-141	289	9	.	.	PUNCT
gujaf-141	290	1	wisdom	wisdom	NOUN
gujaf-141	290	2	a.	a.	PROPN
gujaf-141	290	3	o	o	PROPN
gujaf-141	290	4	,	,	PUNCT
gujaf-141	290	5	and	and	CCONJ
gujaf-141	290	6	gebrel	gebrel	NOUN
gujaf-141	290	7	o.	o.	NOUN
gujaf-141	290	8	(	(	PUNCT
gujaf-141	290	9	2018	2018	NUM
gujaf-141	290	10	)	)	PUNCT
gujaf-141	290	11	.	.	PUNCT
gujaf-141	291	1	risk	risk	NOUN
gujaf-141	291	2	management	management	NOUN
gujaf-141	291	3	and	and	CCONJ
gujaf-141	291	4	financial	financial	ADJ
gujaf-141	291	5	performance	performance	NOUN
gujaf-141	291	6	of	of	ADP
gujaf-141	291	7	deposit	deposit	NOUN
gujaf-141	291	8	money	money	NOUN
gujaf-141	291	9	banks	bank	NOUN
gujaf-141	291	10	in	in	ADP
gujaf-141	291	11	nigeria	nigeria	PROPN
gujaf-141	291	12	.	.	PUNCT
gujaf-141	292	1	european	european	PROPN
gujaf-141	292	2	journal	journal	PROPN
gujaf-141	292	3	of	of	ADP
gujaf-141	292	4	business	business	NOUN
gujaf-141	292	5	,	,	PUNCT
gujaf-141	292	6	economics	economic	NOUN
gujaf-141	292	7	and	and	CCONJ
gujaf-141	292	8	accountancy	accountancy	NOUN
gujaf-141	292	9	,	,	PUNCT
gujaf-141	292	10	6(2	6(2	NUM
gujaf-141	292	11	)	)	PUNCT
gujaf-141	292	12	,	,	PUNCT
gujaf-141	292	13	30–42	30–42	NUM
gujaf-141	292	14	.	.	PUNCT
gujaf-141	293	1	yunusa	yunusa	VERB
gujaf-141	293	2	a	a	DET
gujaf-141	293	3	,	,	PUNCT
gujaf-141	293	4	musa	musa	PROPN
gujaf-141	293	5	b	b	PROPN
gujaf-141	293	6	,	,	PUNCT
gujaf-141	293	7	and	and	CCONJ
gujaf-141	293	8	olamide	olamide	ADP
gujaf-141	293	9	m.	m.	NOUN
gujaf-141	293	10	(	(	PUNCT
gujaf-141	293	11	2019	2019	NUM
gujaf-141	293	12	)	)	PUNCT
gujaf-141	293	13	.	.	PUNCT
gujaf-141	294	1	determinants	determinant	NOUN
gujaf-141	294	2	of	of	ADP
gujaf-141	294	3	survival	survival	NOUN
gujaf-141	294	4	of	of	ADP
gujaf-141	294	5	listed	list	VERB
gujaf-141	294	6	deposit	deposit	NOUN
gujaf-141	294	7	money	money	NOUN
gujaf-141	294	8	banks	bank	NOUN
gujaf-141	294	9	in	in	ADP
gujaf-141	294	10	nigeria	nigeria	PROPN
gujaf-141	294	11	.	.	PUNCT
gujaf-141	295	1	european	european	PROPN
gujaf-141	295	2	journal	journal	PROPN
gujaf-141	295	3	of	of	ADP
gujaf-141	295	4	accounting	accounting	NOUN
gujaf-141	295	5	,	,	PUNCT
gujaf-141	295	6	auditing	auditing	NOUN
gujaf-141	295	7	and	and	CCONJ
gujaf-141	295	8	finance	finance	NOUN
gujaf-141	295	9	research	research	NOUN
gujaf-141	295	10	,	,	PUNCT
gujaf-141	295	11	7(3),20	7(3),20	NOUN
gujaf-141	295	12	-	-	SYM
gujaf-141	295	13	40	40	NUM
gujaf-141	295	14	.	.	NOUN
gujaf-141	295	15	15	15	NUM