id	sid	tid	token	lemma	pos
gujaf-390	1	1	microsoft	microsoft	PROPN
gujaf-390	1	2	word	word	PROPN
gujaf-390	1	3	fk	fk	INTJ
gujaf-390	1	4	to	to	ADP
gujaf-390	1	5	mr	mr	PROPN
gujaf-390	1	6	hassan	hassan	PROPN
gujaf-390	1	7	6	6	NUM
gujaf-390	1	8	1	1	NUM
gujaf-390	1	9	gusau	gusau	ADJ
gujaf-390	1	10	journal	journal	NOUN
gujaf-390	1	11	of	of	ADP
gujaf-390	1	12	accounting	accounting	NOUN
gujaf-390	1	13	and	and	CCONJ
gujaf-390	1	14	finance	finance	NOUN
gujaf-390	1	15	,	,	PUNCT
gujaf-390	1	16	vol.6	vol.6	PROPN
gujaf-390	1	17	,	,	PUNCT
gujaf-390	1	18	issue	issue	NOUN
gujaf-390	1	19	1	1	NUM
gujaf-390	1	20	,	,	PUNCT
gujaf-390	1	21	april	april	PROPN
gujaf-390	1	22	,	,	PUNCT
gujaf-390	1	23	2025	2025	NUM
gujaf-390	1	24	361	361	NUM
gujaf-390	1	25	evaluating	evaluate	VERB
gujaf-390	1	26	the	the	DET
gujaf-390	1	27	impact	impact	NOUN
gujaf-390	1	28	of	of	ADP
gujaf-390	1	29	the	the	DET
gujaf-390	1	30	management	management	NOUN
gujaf-390	1	31	of	of	ADP
gujaf-390	1	32	credit	credit	NOUN
gujaf-390	1	33	risk	risk	NOUN
gujaf-390	1	34	,	,	PUNCT
gujaf-390	1	35	market	market	NOUN
gujaf-390	1	36	risk	risk	NOUN
gujaf-390	1	37	and	and	CCONJ
gujaf-390	1	38	liquidity	liquidity	NOUN
gujaf-390	1	39	risk	risk	NOUN
gujaf-390	1	40	on	on	ADP
gujaf-390	1	41	the	the	DET
gujaf-390	1	42	performance	performance	NOUN
gujaf-390	1	43	of	of	ADP
gujaf-390	1	44	banks	bank	NOUN
gujaf-390	1	45	in	in	ADP
gujaf-390	1	46	nigeria	nigeria	PROPN
gujaf-390	1	47	ahmed	ahmed	PROPN
gujaf-390	1	48	oluwatobi	oluwatobi	PROPN
gujaf-390	1	49	adekunle	adekunle	PROPN
gujaf-390	1	50	aadekunle@wsu.ac.za	aadekunle@wsu.ac.za	PROPN
gujaf-390	1	51	department	department	PROPN
gujaf-390	1	52	of	of	ADP
gujaf-390	1	53	accounting	accounting	PROPN
gujaf-390	1	54	science	science	PROPN
gujaf-390	1	55	walter	walter	PROPN
gujaf-390	1	56	sisulu	sisulu	PROPN
gujaf-390	1	57	university	university	PROPN
gujaf-390	1	58	,	,	PUNCT
gujaf-390	1	59	mthatha	mthatha	PROPN
gujaf-390	1	60	,	,	PUNCT
gujaf-390	1	61	south	south	PROPN
gujaf-390	1	62	africa	africa	PROPN
gujaf-390	1	63	https://doi.org/10.57233/gujaf.v46i21.25	https://doi.org/10.57233/gujaf.v46i21.25	PROPN
gujaf-390	1	64	abstract	abstract	ADJ
gujaf-390	1	65	this	this	DET
gujaf-390	1	66	study	study	NOUN
gujaf-390	1	67	examines	examine	VERB
gujaf-390	1	68	the	the	DET
gujaf-390	1	69	impact	impact	NOUN
gujaf-390	1	70	of	of	ADP
gujaf-390	1	71	credit	credit	NOUN
gujaf-390	1	72	risk	risk	NOUN
gujaf-390	1	73	management	management	NOUN
gujaf-390	1	74	,	,	PUNCT
gujaf-390	1	75	market	market	NOUN
gujaf-390	1	76	risk	risk	NOUN
gujaf-390	1	77	management	management	NOUN
gujaf-390	1	78	,	,	PUNCT
gujaf-390	1	79	and	and	CCONJ
gujaf-390	1	80	liquidity	liquidity	NOUN
gujaf-390	1	81	management	management	NOUN
gujaf-390	1	82	on	on	ADP
gujaf-390	1	83	bank	bank	NOUN
gujaf-390	1	84	profitability	profitability	NOUN
gujaf-390	1	85	,	,	PUNCT
gujaf-390	1	86	with	with	ADP
gujaf-390	1	87	earnings	earning	NOUN
gujaf-390	1	88	per	per	ADP
gujaf-390	1	89	share	share	NOUN
gujaf-390	1	90	(	(	PUNCT
gujaf-390	1	91	eps	eps	PROPN
gujaf-390	1	92	)	)	PUNCT
gujaf-390	1	93	serving	serve	VERB
gujaf-390	1	94	as	as	ADP
gujaf-390	1	95	the	the	DET
gujaf-390	1	96	key	key	ADJ
gujaf-390	1	97	performance	performance	NOUN
gujaf-390	1	98	measure	measure	NOUN
gujaf-390	1	99	.	.	PUNCT
gujaf-390	2	1	using	use	VERB
gujaf-390	2	2	panel	panel	NOUN
gujaf-390	2	3	data	datum	NOUN
gujaf-390	2	4	and	and	CCONJ
gujaf-390	2	5	employing	employ	VERB
gujaf-390	2	6	both	both	DET
gujaf-390	2	7	fixed	fix	VERB
gujaf-390	2	8	and	and	CCONJ
gujaf-390	2	9	random	random	ADJ
gujaf-390	2	10	effects	effect	NOUN
gujaf-390	2	11	models	model	NOUN
gujaf-390	2	12	,	,	PUNCT
gujaf-390	2	13	the	the	DET
gujaf-390	2	14	analysis	analysis	NOUN
gujaf-390	2	15	finds	find	VERB
gujaf-390	2	16	that	that	SCONJ
gujaf-390	2	17	credit	credit	NOUN
gujaf-390	2	18	risk	risk	NOUN
gujaf-390	2	19	indicators	indicator	NOUN
gujaf-390	2	20	specifically	specifically	ADV
gujaf-390	2	21	,	,	PUNCT
gujaf-390	2	22	the	the	DET
gujaf-390	2	23	ratio	ratio	NOUN
gujaf-390	2	24	of	of	ADP
gujaf-390	2	25	non	non	ADJ
gujaf-390	2	26	-	-	ADJ
gujaf-390	2	27	performing	performing	ADJ
gujaf-390	2	28	loans	loan	NOUN
gujaf-390	2	29	to	to	ADP
gujaf-390	2	30	loans	loan	NOUN
gujaf-390	2	31	and	and	CCONJ
gujaf-390	2	32	advances	advance	NOUN
gujaf-390	2	33	(	(	PUNCT
gujaf-390	2	34	nplla	nplla	NOUN
gujaf-390	2	35	)	)	PUNCT
gujaf-390	2	36	and	and	CCONJ
gujaf-390	2	37	the	the	DET
gujaf-390	2	38	ratio	ratio	NOUN
gujaf-390	2	39	of	of	ADP
gujaf-390	2	40	loan	loan	NOUN
gujaf-390	2	41	loss	loss	NOUN
gujaf-390	2	42	provisions	provision	NOUN
gujaf-390	2	43	to	to	ADP
gujaf-390	2	44	total	total	ADJ
gujaf-390	2	45	assets	asset	NOUN
gujaf-390	2	46	(	(	PUNCT
gujaf-390	2	47	llpta	llpta	NOUN
gujaf-390	2	48	)	)	PUNCT
gujaf-390	2	49	have	have	VERB
gujaf-390	2	50	a	a	DET
gujaf-390	2	51	significant	significant	ADJ
gujaf-390	2	52	negative	negative	ADJ
gujaf-390	2	53	effect	effect	NOUN
gujaf-390	2	54	on	on	ADP
gujaf-390	2	55	bank	bank	NOUN
gujaf-390	2	56	earnings	earning	NOUN
gujaf-390	2	57	.	.	PUNCT
gujaf-390	3	1	in	in	ADP
gujaf-390	3	2	contrast	contrast	NOUN
gujaf-390	3	3	,	,	PUNCT
gujaf-390	3	4	measures	measure	NOUN
gujaf-390	3	5	of	of	ADP
gujaf-390	3	6	financial	financial	ADJ
gujaf-390	3	7	intermediation	intermediation	NOUN
gujaf-390	3	8	efficiency	efficiency	NOUN
gujaf-390	3	9	,	,	PUNCT
gujaf-390	3	10	such	such	ADJ
gujaf-390	3	11	as	as	ADP
gujaf-390	3	12	the	the	DET
gujaf-390	3	13	loans	loan	NOUN
gujaf-390	3	14	-	-	PUNCT
gujaf-390	3	15	to	to	ADP
gujaf-390	3	16	-	-	PUNCT
gujaf-390	3	17	deposits	deposit	NOUN
gujaf-390	3	18	ratios	ratio	NOUN
gujaf-390	3	19	(	(	PUNCT
gujaf-390	3	20	latd	latd	NOUN
gujaf-390	3	21	and	and	CCONJ
gujaf-390	3	22	tdla	tdla	NOUN
gujaf-390	3	23	)	)	PUNCT
gujaf-390	3	24	,	,	PUNCT
gujaf-390	3	25	show	show	VERB
gujaf-390	3	26	a	a	DET
gujaf-390	3	27	positive	positive	ADJ
gujaf-390	3	28	and	and	CCONJ
gujaf-390	3	29	significant	significant	ADJ
gujaf-390	3	30	relationship	relationship	NOUN
gujaf-390	3	31	with	with	ADP
gujaf-390	3	32	eps	eps	PROPN
gujaf-390	3	33	.	.	PROPN
gujaf-390	3	34	market	market	NOUN
gujaf-390	3	35	risk	risk	NOUN
gujaf-390	3	36	,	,	PUNCT
gujaf-390	3	37	particularly	particularly	ADV
gujaf-390	3	38	foreign	foreign	ADJ
gujaf-390	3	39	exchange	exchange	NOUN
gujaf-390	3	40	volatility	volatility	NOUN
gujaf-390	3	41	(	(	PUNCT
gujaf-390	3	42	fer	fer	PROPN
gujaf-390	3	43	)	)	PUNCT
gujaf-390	3	44	,	,	PUNCT
gujaf-390	3	45	negatively	negatively	ADV
gujaf-390	3	46	influences	influence	VERB
gujaf-390	3	47	profitability	profitability	NOUN
gujaf-390	3	48	,	,	PUNCT
gujaf-390	3	49	while	while	SCONJ
gujaf-390	3	50	liquidity	liquidity	NOUN
gujaf-390	3	51	management	management	NOUN
gujaf-390	3	52	indicators	indicator	NOUN
gujaf-390	3	53	,	,	PUNCT
gujaf-390	3	54	aside	aside	ADV
gujaf-390	3	55	from	from	ADP
gujaf-390	3	56	bank	bank	NOUN
gujaf-390	3	57	size	size	NOUN
gujaf-390	3	58	(	(	PUNCT
gujaf-390	3	59	bks	bks	PROPN
gujaf-390	3	60	)	)	PUNCT
gujaf-390	3	61	,	,	PUNCT
gujaf-390	3	62	are	be	AUX
gujaf-390	3	63	not	not	PART
gujaf-390	3	64	significant	significant	ADJ
gujaf-390	3	65	predictors	predictor	NOUN
gujaf-390	3	66	of	of	ADP
gujaf-390	3	67	eps	eps	PROPN
gujaf-390	3	68	.	.	PUNCT
gujaf-390	4	1	the	the	DET
gujaf-390	4	2	hausman	hausman	PROPN
gujaf-390	4	3	test	test	NOUN
gujaf-390	4	4	confirms	confirm	VERB
gujaf-390	4	5	the	the	DET
gujaf-390	4	6	suitability	suitability	NOUN
gujaf-390	4	7	of	of	ADP
gujaf-390	4	8	the	the	DET
gujaf-390	4	9	random	random	ADJ
gujaf-390	4	10	effects	effect	NOUN
gujaf-390	4	11	model	model	NOUN
gujaf-390	4	12	,	,	PUNCT
gujaf-390	4	13	which	which	PRON
gujaf-390	4	14	provides	provide	VERB
gujaf-390	4	15	a	a	DET
gujaf-390	4	16	stronger	strong	ADJ
gujaf-390	4	17	explanatory	explanatory	ADJ
gujaf-390	4	18	power	power	NOUN
gujaf-390	4	19	.	.	PUNCT
gujaf-390	5	1	the	the	DET
gujaf-390	5	2	findings	finding	NOUN
gujaf-390	5	3	highlight	highlight	VERB
gujaf-390	5	4	the	the	DET
gujaf-390	5	5	critical	critical	ADJ
gujaf-390	5	6	importance	importance	NOUN
gujaf-390	5	7	of	of	ADP
gujaf-390	5	8	robust	robust	ADJ
gujaf-390	5	9	credit	credit	NOUN
gujaf-390	5	10	risk	risk	NOUN
gujaf-390	5	11	management	management	NOUN
gujaf-390	5	12	,	,	PUNCT
gujaf-390	5	13	effective	effective	ADJ
gujaf-390	5	14	foreign	foreign	ADJ
gujaf-390	5	15	exchange	exchange	NOUN
gujaf-390	5	16	risk	risk	NOUN
gujaf-390	5	17	mitigation	mitigation	NOUN
gujaf-390	5	18	,	,	PUNCT
gujaf-390	5	19	and	and	CCONJ
gujaf-390	5	20	strategic	strategic	ADJ
gujaf-390	5	21	bank	bank	NOUN
gujaf-390	5	22	growth	growth	NOUN
gujaf-390	5	23	in	in	ADP
gujaf-390	5	24	enhancing	enhance	VERB
gujaf-390	5	25	earnings	earning	NOUN
gujaf-390	5	26	performance	performance	NOUN
gujaf-390	5	27	.	.	PUNCT
gujaf-390	6	1	policy	policy	NOUN
gujaf-390	6	2	implications	implication	NOUN
gujaf-390	6	3	suggest	suggest	VERB
gujaf-390	6	4	that	that	SCONJ
gujaf-390	6	5	banks	bank	NOUN
gujaf-390	6	6	should	should	AUX
gujaf-390	6	7	strengthen	strengthen	VERB
gujaf-390	6	8	risk	risk	NOUN
gujaf-390	6	9	assessment	assessment	NOUN
gujaf-390	6	10	practices	practice	NOUN
gujaf-390	6	11	,	,	PUNCT
gujaf-390	6	12	regulators	regulator	NOUN
gujaf-390	6	13	should	should	AUX
gujaf-390	6	14	enforce	enforce	VERB
gujaf-390	6	15	higher	high	ADJ
gujaf-390	6	16	supervisory	supervisory	ADJ
gujaf-390	6	17	standards	standard	NOUN
gujaf-390	6	18	,	,	PUNCT
gujaf-390	6	19	and	and	CCONJ
gujaf-390	6	20	strategic	strategic	ADJ
gujaf-390	6	21	consolidation	consolidation	NOUN
gujaf-390	6	22	in	in	ADP
gujaf-390	6	23	the	the	DET
gujaf-390	6	24	sector	sector	NOUN
gujaf-390	6	25	should	should	AUX
gujaf-390	6	26	be	be	AUX
gujaf-390	6	27	encouraged	encourage	VERB
gujaf-390	6	28	.	.	PUNCT
gujaf-390	7	1	overall	overall	ADV
gujaf-390	7	2	,	,	PUNCT
gujaf-390	7	3	the	the	DET
gujaf-390	7	4	study	study	NOUN
gujaf-390	7	5	offers	offer	VERB
gujaf-390	7	6	valuable	valuable	ADJ
gujaf-390	7	7	insights	insight	NOUN
gujaf-390	7	8	for	for	ADP
gujaf-390	7	9	both	both	DET
gujaf-390	7	10	practitioners	practitioner	NOUN
gujaf-390	7	11	and	and	CCONJ
gujaf-390	7	12	policymakers	policymaker	NOUN
gujaf-390	7	13	aiming	aim	VERB
gujaf-390	7	14	to	to	PART
gujaf-390	7	15	improve	improve	VERB
gujaf-390	7	16	the	the	DET
gujaf-390	7	17	financial	financial	ADJ
gujaf-390	7	18	health	health	NOUN
gujaf-390	7	19	and	and	CCONJ
gujaf-390	7	20	stability	stability	NOUN
gujaf-390	7	21	of	of	ADP
gujaf-390	7	22	the	the	DET
gujaf-390	7	23	banking	banking	NOUN
gujaf-390	7	24	sector	sector	NOUN
gujaf-390	7	25	.	.	PUNCT
gujaf-390	8	1	keywords	keyword	NOUN
gujaf-390	8	2	:	:	PUNCT
gujaf-390	8	3	credit	credit	NOUN
gujaf-390	8	4	risk	risk	NOUN
gujaf-390	8	5	,	,	PUNCT
gujaf-390	8	6	market	market	NOUN
gujaf-390	8	7	risk	risk	NOUN
gujaf-390	8	8	,	,	PUNCT
gujaf-390	8	9	liquidity	liquidity	NOUN
gujaf-390	8	10	risk	risk	NOUN
gujaf-390	8	11	,	,	PUNCT
gujaf-390	8	12	earnings	earning	NOUN
gujaf-390	8	13	per	per	ADP
gujaf-390	8	14	share	share	NOUN
gujaf-390	8	15	1.0	1.0	NUM
gujaf-390	8	16	introduction	introduction	NOUN
gujaf-390	8	17	the	the	DET
gujaf-390	8	18	banking	banking	NOUN
gujaf-390	8	19	industry	industry	NOUN
gujaf-390	8	20	stands	stand	VERB
gujaf-390	8	21	as	as	ADP
gujaf-390	8	22	the	the	DET
gujaf-390	8	23	cornerstone	cornerstone	NOUN
gujaf-390	8	24	of	of	ADP
gujaf-390	8	25	modern	modern	ADJ
gujaf-390	8	26	economies	economy	NOUN
gujaf-390	8	27	,	,	PUNCT
gujaf-390	8	28	facilitating	facilitate	VERB
gujaf-390	8	29	financial	financial	ADJ
gujaf-390	8	30	intermediation	intermediation	NOUN
gujaf-390	8	31	,	,	PUNCT
gujaf-390	8	32	supporting	support	VERB
gujaf-390	8	33	economic	economic	ADJ
gujaf-390	8	34	development	development	NOUN
gujaf-390	8	35	,	,	PUNCT
gujaf-390	8	36	and	and	CCONJ
gujaf-390	8	37	fostering	foster	VERB
gujaf-390	8	38	global	global	ADJ
gujaf-390	8	39	trade	trade	NOUN
gujaf-390	8	40	.	.	PUNCT
gujaf-390	9	1	however	however	ADV
gujaf-390	9	2	,	,	PUNCT
gujaf-390	9	3	the	the	DET
gujaf-390	9	4	operational	operational	ADJ
gujaf-390	9	5	environment	environment	NOUN
gujaf-390	9	6	for	for	ADP
gujaf-390	9	7	banks	bank	NOUN
gujaf-390	9	8	is	be	AUX
gujaf-390	9	9	fraught	fraught	ADJ
gujaf-390	9	10	with	with	ADP
gujaf-390	9	11	various	various	ADJ
gujaf-390	9	12	forms	form	NOUN
gujaf-390	9	13	of	of	ADP
gujaf-390	9	14	financial	financial	ADJ
gujaf-390	9	15	risks	risk	NOUN
gujaf-390	9	16	,	,	PUNCT
gujaf-390	9	17	among	among	ADP
gujaf-390	9	18	which	which	PRON
gujaf-390	9	19	credit	credit	NOUN
gujaf-390	9	20	risk	risk	NOUN
gujaf-390	9	21	,	,	PUNCT
gujaf-390	9	22	market	market	NOUN
gujaf-390	9	23	risk	risk	NOUN
gujaf-390	9	24	,	,	PUNCT
gujaf-390	9	25	and	and	CCONJ
gujaf-390	9	26	liquidity	liquidity	NOUN
gujaf-390	9	27	risk	risk	NOUN
gujaf-390	9	28	are	be	AUX
gujaf-390	9	29	the	the	DET
gujaf-390	9	30	most	most	ADV
gujaf-390	9	31	critical	critical	ADJ
gujaf-390	9	32	(	(	PUNCT
gujaf-390	9	33	smith	smith	NOUN
gujaf-390	9	34	,	,	PUNCT
gujaf-390	9	35	2023	2023	NUM
gujaf-390	9	36	)	)	PUNCT
gujaf-390	9	37	.	.	PUNCT
gujaf-390	10	1	the	the	DET
gujaf-390	10	2	ability	ability	NOUN
gujaf-390	10	3	of	of	ADP
gujaf-390	10	4	banks	bank	NOUN
gujaf-390	10	5	to	to	PART
gujaf-390	10	6	efficiently	efficiently	ADV
gujaf-390	10	7	manage	manage	VERB
gujaf-390	10	8	these	these	DET
gujaf-390	10	9	risks	risk	NOUN
gujaf-390	10	10	has	have	AUX
gujaf-390	10	11	become	become	VERB
gujaf-390	10	12	a	a	DET
gujaf-390	10	13	key	key	ADJ
gujaf-390	10	14	determinant	determinant	NOUN
gujaf-390	10	15	of	of	ADP
gujaf-390	10	16	their	their	PRON
gujaf-390	10	17	financial	financial	ADJ
gujaf-390	10	18	stability	stability	NOUN
gujaf-390	10	19	,	,	PUNCT
gujaf-390	10	20	profitability	profitability	NOUN
gujaf-390	10	21	,	,	PUNCT
gujaf-390	10	22	and	and	CCONJ
gujaf-390	10	23	long	long	ADJ
gujaf-390	10	24	-	-	PUNCT
gujaf-390	10	25	term	term	NOUN
gujaf-390	10	26	performance	performance	NOUN
gujaf-390	10	27	(	(	PUNCT
gujaf-390	10	28	jones	jones	PROPN
gujaf-390	10	29	&	&	CCONJ
gujaf-390	10	30	taylor	taylor	PROPN
gujaf-390	10	31	,	,	PUNCT
gujaf-390	10	32	2022	2022	NUM
gujaf-390	10	33	)	)	PUNCT
gujaf-390	10	34	.	.	PUNCT
gujaf-390	11	1	in	in	ADP
gujaf-390	11	2	light	light	NOUN
gujaf-390	11	3	of	of	ADP
gujaf-390	11	4	recent	recent	ADJ
gujaf-390	11	5	global	global	ADJ
gujaf-390	11	6	financial	financial	ADJ
gujaf-390	11	7	crises	crisis	NOUN
gujaf-390	11	8	and	and	CCONJ
gujaf-390	11	9	heightened	heighten	VERB
gujaf-390	11	10	regulatory	regulatory	ADJ
gujaf-390	11	11	scrutiny	scrutiny	NOUN
gujaf-390	11	12	,	,	PUNCT
gujaf-390	11	13	effective	effective	ADJ
gujaf-390	11	14	risk	risk	NOUN
gujaf-390	11	15	management	management	NOUN
gujaf-390	11	16	is	be	AUX
gujaf-390	11	17	no	no	ADV
gujaf-390	11	18	longer	long	ADV
gujaf-390	11	19	an	an	DET
gujaf-390	11	20	ancillary	ancillary	ADJ
gujaf-390	11	21	function	function	NOUN
gujaf-390	11	22	but	but	CCONJ
gujaf-390	11	23	a	a	DET
gujaf-390	11	24	strategic	strategic	ADJ
gujaf-390	11	25	imperative	imperative	NOUN
gujaf-390	11	26	for	for	ADP
gujaf-390	11	27	the	the	DET
gujaf-390	11	28	survival	survival	NOUN
gujaf-390	11	29	and	and	CCONJ
gujaf-390	11	30	competitiveness	competitiveness	NOUN
gujaf-390	11	31	of	of	ADP
gujaf-390	11	32	banks	bank	NOUN
gujaf-390	11	33	(	(	PUNCT
gujaf-390	11	34	zhao	zhao	PROPN
gujaf-390	11	35	et	et	PROPN
gujaf-390	11	36	al	al	PROPN
gujaf-390	11	37	.	.	PROPN
gujaf-390	11	38	,	,	PUNCT
gujaf-390	11	39	2024	2024	NUM
gujaf-390	11	40	)	)	PUNCT
gujaf-390	11	41	.	.	PUNCT
gujaf-390	12	1	credit	credit	NOUN
gujaf-390	12	2	risk	risk	NOUN
gujaf-390	12	3	that	that	SCONJ
gujaf-390	12	4	counterparty	counterparty	NOUN
gujaf-390	12	5	will	will	AUX
gujaf-390	12	6	fail	fail	VERB
gujaf-390	12	7	to	to	PART
gujaf-390	12	8	meet	meet	VERB
gujaf-390	12	9	its	its	PRON
gujaf-390	12	10	obligations	obligation	NOUN
gujaf-390	12	11	in	in	ADP
gujaf-390	12	12	accordance	accordance	NOUN
gujaf-390	12	13	with	with	ADP
gujaf-390	12	14	agreed	agree	VERB
gujaf-390	12	15	terms	term	NOUN
gujaf-390	12	16	remains	remain	VERB
gujaf-390	12	17	the	the	DET
gujaf-390	12	18	most	most	ADV
gujaf-390	12	19	prominent	prominent	ADJ
gujaf-390	12	20	threat	threat	NOUN
gujaf-390	12	21	to	to	ADP
gujaf-390	12	22	a	a	DET
gujaf-390	12	23	bank	bank	NOUN
gujaf-390	12	24	's	's	PART
gujaf-390	12	25	financial	financial	ADJ
gujaf-390	12	26	health	health	NOUN
gujaf-390	12	27	(	(	PUNCT
gujaf-390	12	28	lee	lee	PROPN
gujaf-390	12	29	,	,	PUNCT
gujaf-390	12	30	2023	2023	NUM
gujaf-390	12	31	)	)	PUNCT
gujaf-390	12	32	.	.	PUNCT
gujaf-390	13	1	high	high	ADJ
gujaf-390	13	2	levels	level	NOUN
gujaf-390	13	3	of	of	ADP
gujaf-390	13	4	nonperforming	nonperforme	VERB
gujaf-390	13	5	loans	loan	NOUN
gujaf-390	13	6	and	and	CCONJ
gujaf-390	13	7	loan	loan	NOUN
gujaf-390	13	8	defaults	default	NOUN
gujaf-390	13	9	can	can	AUX
gujaf-390	13	10	erode	erode	VERB
gujaf-390	13	11	a	a	DET
gujaf-390	13	12	bank	bank	NOUN
gujaf-390	13	13	’s	’s	PART
gujaf-390	13	14	capital	capital	NOUN
gujaf-390	13	15	base	base	NOUN
gujaf-390	13	16	,	,	PUNCT
gujaf-390	13	17	reduce	reduce	VERB
gujaf-390	13	18	profitability	profitability	NOUN
gujaf-390	13	19	,	,	PUNCT
gujaf-390	13	20	and	and	CCONJ
gujaf-390	13	21	threaten	threaten	VERB
gujaf-390	13	22	its	its	PRON
gujaf-390	13	23	existence	existence	NOUN
gujaf-390	13	24	(	(	PUNCT
gujaf-390	13	25	williams	williams	PROPN
gujaf-390	13	26	&	&	CCONJ
gujaf-390	13	27	brown	brown	PROPN
gujaf-390	13	28	,	,	PUNCT
gujaf-390	13	29	2022	2022	NUM
gujaf-390	13	30	)	)	PUNCT
gujaf-390	13	31	.	.	PUNCT
gujaf-390	14	1	effective	effective	ADJ
gujaf-390	14	2	credit	credit	NOUN
gujaf-390	14	3	risk	risk	NOUN
gujaf-390	14	4	management	management	NOUN
gujaf-390	14	5	enables	enable	VERB
gujaf-390	14	6	banks	bank	NOUN
gujaf-390	14	7	to	to	PART
gujaf-390	14	8	minimize	minimize	VERB
gujaf-390	14	9	losses	loss	NOUN
gujaf-390	14	10	,	,	PUNCT
gujaf-390	14	11	preserve	preserve	VERB
gujaf-390	14	12	asset	asset	NOUN
gujaf-390	14	13	quality	quality	NOUN
gujaf-390	14	14	,	,	PUNCT
gujaf-390	14	15	and	and	CCONJ
gujaf-390	14	16	enhance	enhance	VERB
gujaf-390	14	17	shareholder	shareholder	NOUN
gujaf-390	14	18	value	value	NOUN
gujaf-390	14	19	(	(	PUNCT
gujaf-390	14	20	khan	khan	PROPN
gujaf-390	14	21	et	et	PROPN
gujaf-390	14	22	al	al	PROPN
gujaf-390	14	23	.	.	PROPN
gujaf-390	14	24	,	,	PUNCT
gujaf-390	14	25	gusau	gusau	PROPN
gujaf-390	14	26	journal	journal	NOUN
gujaf-390	14	27	of	of	ADP
gujaf-390	14	28	accounting	accounting	NOUN
gujaf-390	14	29	and	and	CCONJ
gujaf-390	14	30	finance	finance	NOUN
gujaf-390	14	31	,	,	PUNCT
gujaf-390	14	32	vol.6	vol.6	PROPN
gujaf-390	14	33	,	,	PUNCT
gujaf-390	14	34	issue	issue	NOUN
gujaf-390	14	35	1	1	NUM
gujaf-390	14	36	,	,	PUNCT
gujaf-390	14	37	april	april	PROPN
gujaf-390	14	38	,	,	PUNCT
gujaf-390	14	39	2025	2025	NUM
gujaf-390	14	40	362	362	NUM
gujaf-390	14	41	2023	2023	NUM
gujaf-390	14	42	)	)	PUNCT
gujaf-390	14	43	.	.	PUNCT
gujaf-390	15	1	techniques	technique	NOUN
gujaf-390	15	2	such	such	ADJ
gujaf-390	15	3	as	as	ADP
gujaf-390	15	4	credit	credit	NOUN
gujaf-390	15	5	scoring	scoring	NOUN
gujaf-390	15	6	models	model	NOUN
gujaf-390	15	7	,	,	PUNCT
gujaf-390	15	8	credit	credit	NOUN
gujaf-390	15	9	diversification	diversification	NOUN
gujaf-390	15	10	,	,	PUNCT
gujaf-390	15	11	and	and	CCONJ
gujaf-390	15	12	collateral	collateral	ADJ
gujaf-390	15	13	management	management	NOUN
gujaf-390	15	14	have	have	AUX
gujaf-390	15	15	become	become	VERB
gujaf-390	15	16	essential	essential	ADJ
gujaf-390	15	17	tools	tool	NOUN
gujaf-390	15	18	in	in	ADP
gujaf-390	15	19	mitigating	mitigate	VERB
gujaf-390	15	20	credit	credit	NOUN
gujaf-390	15	21	exposure	exposure	NOUN
gujaf-390	15	22	and	and	CCONJ
gujaf-390	15	23	ensuring	ensure	VERB
gujaf-390	15	24	the	the	DET
gujaf-390	15	25	stability	stability	NOUN
gujaf-390	15	26	of	of	ADP
gujaf-390	15	27	banks	bank	NOUN
gujaf-390	15	28	’	’	PART
gujaf-390	15	29	lending	lending	NOUN
gujaf-390	15	30	portfolios	portfolio	NOUN
gujaf-390	15	31	(	(	PUNCT
gujaf-390	15	32	davies	davy	NOUN
gujaf-390	15	33	&	&	CCONJ
gujaf-390	15	34	patel	patel	PROPN
gujaf-390	15	35	,	,	PUNCT
gujaf-390	15	36	2023	2023	NUM
gujaf-390	15	37	)	)	PUNCT
gujaf-390	15	38	.	.	PUNCT
gujaf-390	16	1	market	market	NOUN
gujaf-390	16	2	risk	risk	NOUN
gujaf-390	16	3	,	,	PUNCT
gujaf-390	16	4	on	on	ADP
gujaf-390	16	5	the	the	DET
gujaf-390	16	6	other	other	ADJ
gujaf-390	16	7	hand	hand	NOUN
gujaf-390	16	8	,	,	PUNCT
gujaf-390	16	9	arises	arise	VERB
gujaf-390	16	10	from	from	ADP
gujaf-390	16	11	adverse	adverse	ADJ
gujaf-390	16	12	movements	movement	NOUN
gujaf-390	16	13	in	in	ADP
gujaf-390	16	14	market	market	NOUN
gujaf-390	16	15	variables	variable	NOUN
gujaf-390	16	16	such	such	ADJ
gujaf-390	16	17	as	as	ADP
gujaf-390	16	18	interest	interest	NOUN
gujaf-390	16	19	rates	rate	NOUN
gujaf-390	16	20	,	,	PUNCT
gujaf-390	16	21	foreign	foreign	ADJ
gujaf-390	16	22	exchange	exchange	NOUN
gujaf-390	16	23	rates	rate	NOUN
gujaf-390	16	24	,	,	PUNCT
gujaf-390	16	25	equity	equity	NOUN
gujaf-390	16	26	prices	price	NOUN
gujaf-390	16	27	,	,	PUNCT
gujaf-390	16	28	and	and	CCONJ
gujaf-390	16	29	commodity	commodity	NOUN
gujaf-390	16	30	prices	price	NOUN
gujaf-390	16	31	(	(	PUNCT
gujaf-390	16	32	miller	miller	PROPN
gujaf-390	16	33	,	,	PUNCT
gujaf-390	16	34	2024	2024	NUM
gujaf-390	16	35	)	)	PUNCT
gujaf-390	16	36	.	.	PUNCT
gujaf-390	17	1	these	these	DET
gujaf-390	17	2	fluctuations	fluctuation	NOUN
gujaf-390	17	3	can	can	AUX
gujaf-390	17	4	directly	directly	ADV
gujaf-390	17	5	impact	impact	VERB
gujaf-390	17	6	the	the	DET
gujaf-390	17	7	valuation	valuation	NOUN
gujaf-390	17	8	of	of	ADP
gujaf-390	17	9	assets	asset	NOUN
gujaf-390	17	10	and	and	CCONJ
gujaf-390	17	11	liabilities	liability	NOUN
gujaf-390	17	12	,	,	PUNCT
gujaf-390	17	13	affecting	affect	VERB
gujaf-390	17	14	a	a	DET
gujaf-390	17	15	bank	bank	NOUN
gujaf-390	17	16	’s	’s	PART
gujaf-390	17	17	trading	trading	NOUN
gujaf-390	17	18	and	and	CCONJ
gujaf-390	17	19	investment	investment	NOUN
gujaf-390	17	20	portfolios	portfolio	NOUN
gujaf-390	17	21	(	(	PUNCT
gujaf-390	17	22	carter	carter	PROPN
gujaf-390	17	23	&	&	CCONJ
gujaf-390	17	24	singh	singh	PROPN
gujaf-390	17	25	,	,	PUNCT
gujaf-390	17	26	2023	2023	NUM
gujaf-390	17	27	)	)	PUNCT
gujaf-390	17	28	.	.	PUNCT
gujaf-390	18	1	with	with	ADP
gujaf-390	18	2	the	the	DET
gujaf-390	18	3	increasing	increase	VERB
gujaf-390	18	4	complexity	complexity	NOUN
gujaf-390	18	5	of	of	ADP
gujaf-390	18	6	financial	financial	ADJ
gujaf-390	18	7	markets	market	NOUN
gujaf-390	18	8	and	and	CCONJ
gujaf-390	18	9	the	the	DET
gujaf-390	18	10	globalization	globalization	NOUN
gujaf-390	18	11	of	of	ADP
gujaf-390	18	12	banking	banking	NOUN
gujaf-390	18	13	operations	operation	NOUN
gujaf-390	18	14	,	,	PUNCT
gujaf-390	18	15	exposure	exposure	NOUN
gujaf-390	18	16	to	to	ADP
gujaf-390	18	17	market	market	NOUN
gujaf-390	18	18	risk	risk	NOUN
gujaf-390	18	19	has	have	AUX
gujaf-390	18	20	intensified	intensify	VERB
gujaf-390	18	21	(	(	PUNCT
gujaf-390	18	22	nguyen	nguyen	NOUN
gujaf-390	18	23	,	,	PUNCT
gujaf-390	18	24	2025	2025	NUM
gujaf-390	18	25	)	)	PUNCT
gujaf-390	18	26	.	.	PUNCT
gujaf-390	19	1	efficient	efficient	ADJ
gujaf-390	19	2	management	management	NOUN
gujaf-390	19	3	of	of	ADP
gujaf-390	19	4	market	market	NOUN
gujaf-390	19	5	risk	risk	NOUN
gujaf-390	19	6	through	through	ADP
gujaf-390	19	7	hedging	hedging	NOUN
gujaf-390	19	8	strategies	strategy	NOUN
gujaf-390	19	9	,	,	PUNCT
gujaf-390	19	10	value	value	NOUN
gujaf-390	19	11	at	at	ADP
gujaf-390	19	12	risk	risk	NOUN
gujaf-390	19	13	(	(	PUNCT
gujaf-390	19	14	var	var	NOUN
gujaf-390	19	15	)	)	PUNCT
gujaf-390	19	16	models	model	NOUN
gujaf-390	19	17	,	,	PUNCT
gujaf-390	19	18	and	and	CCONJ
gujaf-390	19	19	portfolio	portfolio	NOUN
gujaf-390	19	20	diversification	diversification	NOUN
gujaf-390	19	21	is	be	AUX
gujaf-390	19	22	essential	essential	ADJ
gujaf-390	19	23	for	for	ADP
gujaf-390	19	24	protecting	protect	VERB
gujaf-390	19	25	earnings	earning	NOUN
gujaf-390	19	26	and	and	CCONJ
gujaf-390	19	27	maintaining	maintain	VERB
gujaf-390	19	28	capital	capital	NOUN
gujaf-390	19	29	adequacy	adequacy	NOUN
gujaf-390	19	30	(	(	PUNCT
gujaf-390	19	31	fletcher	fletcher	PROPN
gujaf-390	19	32	&	&	CCONJ
gujaf-390	19	33	li	li	PROPN
gujaf-390	19	34	,	,	PUNCT
gujaf-390	19	35	2024	2024	NUM
gujaf-390	19	36	)	)	PUNCT
gujaf-390	19	37	.	.	PUNCT
gujaf-390	20	1	liquidity	liquidity	NOUN
gujaf-390	20	2	risk	risk	NOUN
gujaf-390	20	3	are	be	AUX
gujaf-390	20	4	risk	risk	NOUN
gujaf-390	20	5	that	that	SCONJ
gujaf-390	20	6	a	a	DET
gujaf-390	20	7	bank	bank	NOUN
gujaf-390	20	8	will	will	AUX
gujaf-390	20	9	be	be	AUX
gujaf-390	20	10	unable	unable	ADJ
gujaf-390	20	11	to	to	PART
gujaf-390	20	12	meet	meet	VERB
gujaf-390	20	13	its	its	PRON
gujaf-390	20	14	short	short	ADJ
gujaf-390	20	15	-	-	PUNCT
gujaf-390	20	16	term	term	NOUN
gujaf-390	20	17	financial	financial	ADJ
gujaf-390	20	18	obligations	obligation	NOUN
gujaf-390	20	19	when	when	SCONJ
gujaf-390	20	20	they	they	PRON
gujaf-390	20	21	fall	fall	VERB
gujaf-390	20	22	due	due	ADJ
gujaf-390	20	23	without	without	ADP
gujaf-390	20	24	incurring	incur	VERB
gujaf-390	20	25	unacceptable	unacceptable	ADJ
gujaf-390	20	26	losses	loss	NOUN
gujaf-390	20	27	(	(	PUNCT
gujaf-390	20	28	tanner	tanner	NOUN
gujaf-390	20	29	&	&	CCONJ
gujaf-390	20	30	lee	lee	PROPN
gujaf-390	20	31	,	,	PUNCT
gujaf-390	20	32	2024	2024	NUM
gujaf-390	20	33	)	)	PUNCT
gujaf-390	20	34	.	.	PUNCT
gujaf-390	21	1	the	the	DET
gujaf-390	21	2	global	global	ADJ
gujaf-390	21	3	financial	financial	ADJ
gujaf-390	21	4	crisis	crisis	NOUN
gujaf-390	21	5	of	of	ADP
gujaf-390	21	6	2007–2008	2007–2008	NUM
gujaf-390	21	7	starkly	starkly	ADV
gujaf-390	21	8	highlighted	highlight	VERB
gujaf-390	21	9	the	the	DET
gujaf-390	21	10	catastrophic	catastrophic	ADJ
gujaf-390	21	11	consequences	consequence	NOUN
gujaf-390	21	12	of	of	ADP
gujaf-390	21	13	liquidity	liquidity	NOUN
gujaf-390	21	14	shortfalls	shortfall	NOUN
gujaf-390	21	15	,	,	PUNCT
gujaf-390	21	16	prompting	prompt	VERB
gujaf-390	21	17	regulators	regulator	NOUN
gujaf-390	21	18	to	to	PART
gujaf-390	21	19	impose	impose	VERB
gujaf-390	21	20	stricter	strict	ADJ
gujaf-390	21	21	liquidity	liquidity	NOUN
gujaf-390	21	22	standards	standard	NOUN
gujaf-390	21	23	such	such	ADJ
gujaf-390	21	24	as	as	ADP
gujaf-390	21	25	the	the	DET
gujaf-390	21	26	liquidity	liquidity	NOUN
gujaf-390	21	27	coverage	coverage	NOUN
gujaf-390	21	28	ratio	ratio	NOUN
gujaf-390	21	29	(	(	PUNCT
gujaf-390	21	30	lcr	lcr	NOUN
gujaf-390	21	31	)	)	PUNCT
gujaf-390	21	32	and	and	CCONJ
gujaf-390	21	33	net	net	ADJ
gujaf-390	21	34	stable	stable	ADJ
gujaf-390	21	35	funding	funding	NOUN
gujaf-390	21	36	ratio	ratio	NOUN
gujaf-390	21	37	(	(	PUNCT
gujaf-390	21	38	nsfr	nsfr	ADJ
gujaf-390	21	39	)	)	PUNCT
gujaf-390	21	40	(	(	PUNCT
gujaf-390	21	41	harris	harris	PROPN
gujaf-390	21	42	et	et	PROPN
gujaf-390	21	43	al	al	PROPN
gujaf-390	21	44	.	.	PROPN
gujaf-390	21	45	,	,	PUNCT
gujaf-390	21	46	2022	2022	NUM
gujaf-390	21	47	)	)	PUNCT
gujaf-390	21	48	.	.	PUNCT
gujaf-390	22	1	effective	effective	ADJ
gujaf-390	22	2	liquidity	liquidity	NOUN
gujaf-390	22	3	risk	risk	NOUN
gujaf-390	22	4	management	management	NOUN
gujaf-390	22	5	ensures	ensure	VERB
gujaf-390	22	6	that	that	SCONJ
gujaf-390	22	7	banks	bank	NOUN
gujaf-390	22	8	can	can	AUX
gujaf-390	22	9	access	access	VERB
gujaf-390	22	10	sufficient	sufficient	ADJ
gujaf-390	22	11	funding	funding	NOUN
gujaf-390	22	12	sources	source	NOUN
gujaf-390	22	13	,	,	PUNCT
gujaf-390	22	14	maintain	maintain	VERB
gujaf-390	22	15	public	public	ADJ
gujaf-390	22	16	confidence	confidence	NOUN
gujaf-390	22	17	,	,	PUNCT
gujaf-390	22	18	and	and	CCONJ
gujaf-390	22	19	avert	avert	ADJ
gujaf-390	22	20	insolvency	insolvency	NOUN
gujaf-390	22	21	during	during	ADP
gujaf-390	22	22	periods	period	NOUN
gujaf-390	22	23	of	of	ADP
gujaf-390	22	24	financial	financial	ADJ
gujaf-390	22	25	stress	stress	NOUN
gujaf-390	22	26	(	(	PUNCT
gujaf-390	22	27	walker	walker	PROPN
gujaf-390	22	28	&	&	CCONJ
gujaf-390	22	29	davis	davis	PROPN
gujaf-390	22	30	,	,	PUNCT
gujaf-390	22	31	2023	2023	NUM
gujaf-390	22	32	)	)	PUNCT
gujaf-390	22	33	.	.	PUNCT
gujaf-390	23	1	most	most	ADJ
gujaf-390	23	2	researchers	researcher	NOUN
gujaf-390	23	3	such	such	ADJ
gujaf-390	23	4	as	as	ADP
gujaf-390	23	5	alshatti	alshatti	NOUN
gujaf-390	23	6	(	(	PUNCT
gujaf-390	23	7	2015	2015	NUM
gujaf-390	23	8	)	)	PUNCT
gujaf-390	23	9	;	;	PUNCT
gujaf-390	23	10	kimotho	kimotho	PROPN
gujaf-390	23	11	and	and	CCONJ
gujaf-390	23	12	gekara	gekara	PROPN
gujaf-390	23	13	(	(	PUNCT
gujaf-390	23	14	2016	2016	NUM
gujaf-390	23	15	)	)	PUNCT
gujaf-390	23	16	;	;	PUNCT
gujaf-390	23	17	shieler	shieler	NOUN
gujaf-390	23	18	,	,	PUNCT
gujaf-390	23	19	emenike	emenike	NOUN
gujaf-390	23	20	and	and	CCONJ
gujaf-390	23	21	amu	amu	PROPN
gujaf-390	23	22	(	(	PUNCT
gujaf-390	23	23	2017	2017	NUM
gujaf-390	23	24	)	)	PUNCT
gujaf-390	23	25	;	;	PUNCT
gujaf-390	23	26	chipa	chipa	VERB
gujaf-390	23	27	and	and	CCONJ
gujaf-390	23	28	wamiori	wamiori	ADJ
gujaf-390	23	29	(	(	PUNCT
gujaf-390	23	30	2017	2017	NUM
gujaf-390	23	31	)	)	PUNCT
gujaf-390	23	32	;	;	PUNCT
gujaf-390	23	33	kolapo	kolapo	PROPN
gujaf-390	23	34	,	,	PUNCT
gujaf-390	23	35	ayeni	ayeni	NOUN
gujaf-390	23	36	and	and	CCONJ
gujaf-390	23	37	oke	oke	NOUN
gujaf-390	23	38	(	(	PUNCT
gujaf-390	23	39	2012	2012	NUM
gujaf-390	23	40	)	)	PUNCT
gujaf-390	23	41	;	;	PUNCT
gujaf-390	23	42	investigated	investigate	VERB
gujaf-390	23	43	the	the	DET
gujaf-390	23	44	effect	effect	NOUN
gujaf-390	23	45	of	of	ADP
gujaf-390	23	46	risk	risk	NOUN
gujaf-390	23	47	management	management	NOUN
gujaf-390	23	48	on	on	ADP
gujaf-390	23	49	performance	performance	NOUN
gujaf-390	23	50	using	use	VERB
gujaf-390	23	51	variables	variable	NOUN
gujaf-390	23	52	such	such	ADJ
gujaf-390	23	53	as	as	ADP
gujaf-390	23	54	credit	credit	NOUN
gujaf-390	23	55	and	and	CCONJ
gujaf-390	23	56	liquidity	liquidity	NOUN
gujaf-390	23	57	risk	risk	NOUN
gujaf-390	23	58	management	management	NOUN
gujaf-390	23	59	.	.	PUNCT
gujaf-390	24	1	however	however	ADV
gujaf-390	24	2	,	,	PUNCT
gujaf-390	24	3	the	the	DET
gujaf-390	24	4	current	current	ADJ
gujaf-390	24	5	study	study	NOUN
gujaf-390	24	6	has	have	VERB
gujaf-390	24	7	a	a	DET
gujaf-390	24	8	wider	wide	ADJ
gujaf-390	24	9	scope	scope	NOUN
gujaf-390	24	10	by	by	ADP
gujaf-390	24	11	covering	cover	VERB
gujaf-390	24	12	additional	additional	ADJ
gujaf-390	24	13	important	important	ADJ
gujaf-390	24	14	variables	variable	NOUN
gujaf-390	24	15	of	of	ADP
gujaf-390	24	16	market	market	NOUN
gujaf-390	24	17	risk	risk	NOUN
gujaf-390	24	18	management	management	NOUN
gujaf-390	24	19	that	that	PRON
gujaf-390	24	20	were	be	AUX
gujaf-390	24	21	omitted	omit	VERB
gujaf-390	24	22	in	in	ADP
gujaf-390	24	23	previous	previous	ADJ
gujaf-390	24	24	studies	study	NOUN
gujaf-390	24	25	such	such	ADJ
gujaf-390	24	26	as	as	ADP
gujaf-390	24	27	foreign	foreign	ADJ
gujaf-390	24	28	exchange	exchange	NOUN
gujaf-390	24	29	risk	risk	NOUN
gujaf-390	24	30	and	and	CCONJ
gujaf-390	24	31	interest	interest	NOUN
gujaf-390	24	32	rate	rate	NOUN
gujaf-390	24	33	sensitivity	sensitivity	NOUN
gujaf-390	24	34	ratio	ratio	NOUN
gujaf-390	24	35	.	.	PUNCT
gujaf-390	25	1	this	this	PRON
gujaf-390	25	2	is	be	AUX
gujaf-390	25	3	because	because	SCONJ
gujaf-390	25	4	market	market	NOUN
gujaf-390	25	5	risk	risk	NOUN
gujaf-390	25	6	comprises	comprise	NOUN
gujaf-390	25	7	of	of	ADP
gujaf-390	25	8	exchange	exchange	NOUN
gujaf-390	25	9	rate	rate	NOUN
gujaf-390	25	10	and	and	CCONJ
gujaf-390	25	11	interest	interest	NOUN
gujaf-390	25	12	rate	rate	NOUN
gujaf-390	25	13	risks	risk	NOUN
gujaf-390	25	14	which	which	PRON
gujaf-390	25	15	affect	affect	VERB
gujaf-390	25	16	the	the	DET
gujaf-390	25	17	financial	financial	ADJ
gujaf-390	25	18	performance	performance	NOUN
gujaf-390	25	19	of	of	ADP
gujaf-390	25	20	banks	bank	NOUN
gujaf-390	25	21	.	.	PUNCT
gujaf-390	26	1	usually	usually	ADV
gujaf-390	26	2	,	,	PUNCT
gujaf-390	26	3	market	market	NOUN
gujaf-390	26	4	risks	risk	NOUN
gujaf-390	26	5	are	be	AUX
gujaf-390	26	6	outside	outside	ADP
gujaf-390	26	7	the	the	DET
gujaf-390	26	8	control	control	NOUN
gujaf-390	26	9	of	of	ADP
gujaf-390	26	10	the	the	DET
gujaf-390	26	11	banks	bank	NOUN
gujaf-390	26	12	,	,	PUNCT
gujaf-390	26	13	as	as	SCONJ
gujaf-390	26	14	they	they	PRON
gujaf-390	26	15	are	be	AUX
gujaf-390	26	16	determined	determine	VERB
gujaf-390	26	17	by	by	ADP
gujaf-390	26	18	factors	factor	NOUN
gujaf-390	26	19	that	that	PRON
gujaf-390	26	20	affect	affect	VERB
gujaf-390	26	21	the	the	DET
gujaf-390	26	22	overall	overall	ADJ
gujaf-390	26	23	economy	economy	NOUN
gujaf-390	26	24	(	(	PUNCT
gujaf-390	26	25	aruwa	aruwa	PROPN
gujaf-390	26	26	&	&	CCONJ
gujaf-390	26	27	musa	musa	PROPN
gujaf-390	26	28	,	,	PUNCT
gujaf-390	26	29	2014	2014	NUM
gujaf-390	26	30	)	)	PUNCT
gujaf-390	26	31	.	.	PUNCT
gujaf-390	27	1	there	there	PRON
gujaf-390	27	2	is	be	VERB
gujaf-390	27	3	need	need	NOUN
gujaf-390	27	4	to	to	PART
gujaf-390	27	5	examine	examine	VERB
gujaf-390	27	6	the	the	DET
gujaf-390	27	7	effect	effect	NOUN
gujaf-390	27	8	of	of	ADP
gujaf-390	27	9	financial	financial	ADJ
gujaf-390	27	10	risk	risk	NOUN
gujaf-390	27	11	management	management	NOUN
gujaf-390	27	12	on	on	ADP
gujaf-390	27	13	the	the	DET
gujaf-390	27	14	performance	performance	NOUN
gujaf-390	27	15	of	of	ADP
gujaf-390	27	16	deposit	deposit	NOUN
gujaf-390	27	17	money	money	NOUN
gujaf-390	27	18	banks	bank	NOUN
gujaf-390	27	19	in	in	ADP
gujaf-390	27	20	nigeria	nigeria	PROPN
gujaf-390	27	21	.	.	PUNCT
gujaf-390	28	1	this	this	DET
gujaf-390	28	2	paper	paper	NOUN
gujaf-390	28	3	aims	aim	VERB
gujaf-390	28	4	to	to	AUX
gujaf-390	28	5	(	(	PUNCT
gujaf-390	28	6	a	a	PRON
gujaf-390	28	7	)	)	PUNCT
gujaf-390	28	8	examine	examine	VERB
gujaf-390	28	9	the	the	DET
gujaf-390	28	10	effect	effect	NOUN
gujaf-390	28	11	of	of	ADP
gujaf-390	28	12	credit	credit	NOUN
gujaf-390	28	13	risk	risk	NOUN
gujaf-390	28	14	management	management	NOUN
gujaf-390	28	15	on	on	ADP
gujaf-390	28	16	the	the	DET
gujaf-390	28	17	performance	performance	NOUN
gujaf-390	28	18	of	of	ADP
gujaf-390	28	19	deposit	deposit	NOUN
gujaf-390	28	20	money	money	NOUN
gujaf-390	28	21	banks	bank	NOUN
gujaf-390	28	22	in	in	ADP
gujaf-390	28	23	nigeria	nigeria	PROPN
gujaf-390	28	24	;	;	PUNCT
gujaf-390	28	25	(	(	PUNCT
gujaf-390	28	26	b	b	X
gujaf-390	28	27	)	)	PUNCT
gujaf-390	28	28	determine	determine	VERB
gujaf-390	28	29	the	the	DET
gujaf-390	28	30	effect	effect	NOUN
gujaf-390	28	31	of	of	ADP
gujaf-390	28	32	market	market	NOUN
gujaf-390	28	33	risk	risk	NOUN
gujaf-390	28	34	management	management	NOUN
gujaf-390	28	35	on	on	ADP
gujaf-390	28	36	the	the	DET
gujaf-390	28	37	performance	performance	NOUN
gujaf-390	28	38	of	of	ADP
gujaf-390	28	39	deposit	deposit	NOUN
gujaf-390	28	40	money	money	NOUN
gujaf-390	28	41	banks	bank	NOUN
gujaf-390	28	42	in	in	ADP
gujaf-390	28	43	nigeria	nigeria	PROPN
gujaf-390	28	44	;	;	PUNCT
gujaf-390	28	45	and	and	CCONJ
gujaf-390	28	46	(	(	PUNCT
gujaf-390	28	47	c	c	X
gujaf-390	28	48	)	)	PUNCT
gujaf-390	28	49	evaluate	evaluate	VERB
gujaf-390	28	50	the	the	DET
gujaf-390	28	51	effect	effect	NOUN
gujaf-390	28	52	of	of	ADP
gujaf-390	28	53	liquidity	liquidity	NOUN
gujaf-390	28	54	risk	risk	NOUN
gujaf-390	28	55	management	management	NOUN
gujaf-390	28	56	on	on	ADP
gujaf-390	28	57	the	the	DET
gujaf-390	28	58	performance	performance	NOUN
gujaf-390	28	59	of	of	ADP
gujaf-390	28	60	deposit	deposit	NOUN
gujaf-390	28	61	money	money	NOUN
gujaf-390	28	62	banks	bank	NOUN
gujaf-390	28	63	in	in	ADP
gujaf-390	28	64	nigeria	nigeria	PROPN
gujaf-390	28	65	.	.	PUNCT
gujaf-390	29	1	this	this	DET
gujaf-390	29	2	research	research	NOUN
gujaf-390	29	3	seeks	seek	VERB
gujaf-390	29	4	to	to	PART
gujaf-390	29	5	bridge	bridge	VERB
gujaf-390	29	6	existing	exist	VERB
gujaf-390	29	7	gaps	gap	NOUN
gujaf-390	29	8	by	by	ADP
gujaf-390	29	9	investigating	investigate	VERB
gujaf-390	29	10	the	the	DET
gujaf-390	29	11	impact	impact	NOUN
gujaf-390	29	12	of	of	ADP
gujaf-390	29	13	the	the	DET
gujaf-390	29	14	management	management	NOUN
gujaf-390	29	15	of	of	ADP
gujaf-390	29	16	credit	credit	NOUN
gujaf-390	29	17	risk	risk	NOUN
gujaf-390	29	18	,	,	PUNCT
gujaf-390	29	19	market	market	NOUN
gujaf-390	29	20	risk	risk	NOUN
gujaf-390	29	21	,	,	PUNCT
gujaf-390	29	22	and	and	CCONJ
gujaf-390	29	23	liquidity	liquidity	NOUN
gujaf-390	29	24	risk	risk	NOUN
gujaf-390	29	25	on	on	ADP
gujaf-390	29	26	the	the	DET
gujaf-390	29	27	performance	performance	NOUN
gujaf-390	29	28	of	of	ADP
gujaf-390	29	29	banks	bank	NOUN
gujaf-390	29	30	.	.	PUNCT
gujaf-390	30	1	specifically	specifically	ADV
gujaf-390	30	2	,	,	PUNCT
gujaf-390	30	3	it	it	PRON
gujaf-390	30	4	examines	examine	VERB
gujaf-390	30	5	how	how	SCONJ
gujaf-390	30	6	risk	risk	NOUN
gujaf-390	30	7	management	management	NOUN
gujaf-390	30	8	practices	practice	NOUN
gujaf-390	30	9	influence	influence	VERB
gujaf-390	30	10	key	key	ADJ
gujaf-390	30	11	performance	performance	NOUN
gujaf-390	30	12	indicators	indicator	NOUN
gujaf-390	30	13	such	such	ADJ
gujaf-390	30	14	as	as	ADP
gujaf-390	30	15	return	return	NOUN
gujaf-390	30	16	on	on	ADP
gujaf-390	30	17	assets	asset	NOUN
gujaf-390	30	18	(	(	PUNCT
gujaf-390	30	19	roa	roa	NOUN
gujaf-390	30	20	)	)	PUNCT
gujaf-390	30	21	,	,	PUNCT
gujaf-390	30	22	return	return	VERB
gujaf-390	30	23	on	on	ADP
gujaf-390	30	24	equity	equity	NOUN
gujaf-390	30	25	(	(	PUNCT
gujaf-390	30	26	roe	roe	PROPN
gujaf-390	30	27	)	)	PUNCT
gujaf-390	30	28	,	,	PUNCT
gujaf-390	30	29	and	and	CCONJ
gujaf-390	30	30	capital	capital	NOUN
gujaf-390	30	31	adequacy	adequacy	NOUN
gujaf-390	30	32	ratios	ratio	NOUN
gujaf-390	30	33	(	(	PUNCT
gujaf-390	30	34	taylor	taylor	PROPN
gujaf-390	30	35	et	et	PROPN
gujaf-390	30	36	al	al	PROPN
gujaf-390	30	37	.	.	PROPN
gujaf-390	30	38	,	,	PUNCT
gujaf-390	30	39	2023	2023	NUM
gujaf-390	30	40	)	)	PUNCT
gujaf-390	30	41	.	.	PUNCT
gujaf-390	31	1	the	the	DET
gujaf-390	31	2	study	study	NOUN
gujaf-390	31	3	also	also	ADV
gujaf-390	31	4	aims	aim	VERB
gujaf-390	31	5	to	to	PART
gujaf-390	31	6	explore	explore	VERB
gujaf-390	31	7	whether	whether	SCONJ
gujaf-390	31	8	the	the	DET
gujaf-390	31	9	effectiveness	effectiveness	NOUN
gujaf-390	31	10	of	of	ADP
gujaf-390	31	11	risk	risk	NOUN
gujaf-390	31	12	management	management	NOUN
gujaf-390	31	13	varies	vary	VERB
gujaf-390	31	14	across	across	ADP
gujaf-390	31	15	different	different	ADJ
gujaf-390	31	16	banking	banking	NOUN
gujaf-390	31	17	sectors	sector	NOUN
gujaf-390	31	18	and	and	CCONJ
gujaf-390	31	19	economic	economic	ADJ
gujaf-390	31	20	conditions	condition	NOUN
gujaf-390	31	21	(	(	PUNCT
gujaf-390	31	22	kumar	kumar	PROPN
gujaf-390	31	23	&	&	CCONJ
gujaf-390	31	24	sharma	sharma	PROPN
gujaf-390	31	25	,	,	PUNCT
gujaf-390	31	26	2023	2023	NUM
gujaf-390	31	27	)	)	PUNCT
gujaf-390	31	28	.	.	PUNCT
gujaf-390	32	1	the	the	DET
gujaf-390	32	2	findings	finding	NOUN
gujaf-390	32	3	of	of	ADP
gujaf-390	32	4	this	this	DET
gujaf-390	32	5	research	research	NOUN
gujaf-390	32	6	are	be	AUX
gujaf-390	32	7	expected	expect	VERB
gujaf-390	32	8	to	to	PART
gujaf-390	32	9	offer	offer	VERB
gujaf-390	32	10	important	important	ADJ
gujaf-390	32	11	implications	implication	NOUN
gujaf-390	32	12	for	for	ADP
gujaf-390	32	13	bank	bank	NOUN
gujaf-390	32	14	managers	manager	NOUN
gujaf-390	32	15	,	,	PUNCT
gujaf-390	32	16	regulators	regulator	NOUN
gujaf-390	32	17	,	,	PUNCT
gujaf-390	32	18	policymakers	policymaker	NOUN
gujaf-390	32	19	,	,	PUNCT
gujaf-390	32	20	and	and	CCONJ
gujaf-390	32	21	investors	investor	NOUN
gujaf-390	32	22	.	.	PUNCT
gujaf-390	33	1	by	by	ADP
gujaf-390	33	2	providing	provide	VERB
gujaf-390	33	3	empirical	empirical	ADJ
gujaf-390	33	4	evidence	evidence	NOUN
gujaf-390	33	5	on	on	ADP
gujaf-390	33	6	the	the	DET
gujaf-390	33	7	critical	critical	ADJ
gujaf-390	33	8	linkages	linkage	NOUN
gujaf-390	33	9	between	between	ADP
gujaf-390	33	10	risk	risk	NOUN
gujaf-390	33	11	management	management	NOUN
gujaf-390	33	12	and	and	CCONJ
gujaf-390	33	13	bank	bank	NOUN
gujaf-390	33	14	performance	performance	NOUN
gujaf-390	33	15	,	,	PUNCT
gujaf-390	33	16	the	the	DET
gujaf-390	33	17	study	study	NOUN
gujaf-390	33	18	aims	aim	VERB
gujaf-390	33	19	to	to	PART
gujaf-390	33	20	contribute	contribute	VERB
gujaf-390	33	21	to	to	ADP
gujaf-390	33	22	the	the	DET
gujaf-390	33	23	development	development	NOUN
gujaf-390	33	24	of	of	ADP
gujaf-390	33	25	more	more	ADV
gujaf-390	33	26	resilient	resilient	ADJ
gujaf-390	33	27	,	,	PUNCT
gujaf-390	33	28	efficient	efficient	ADJ
gujaf-390	33	29	,	,	PUNCT
gujaf-390	33	30	and	and	CCONJ
gujaf-390	33	31	competitive	competitive	ADJ
gujaf-390	33	32	banking	banking	NOUN
gujaf-390	33	33	institutions	institution	NOUN
gujaf-390	33	34	(	(	PUNCT
gujaf-390	33	35	smith	smith	PROPN
gujaf-390	33	36	&	&	CCONJ
gujaf-390	33	37	gupta	gupta	PROPN
gujaf-390	33	38	,	,	PUNCT
gujaf-390	33	39	2024	2024	NUM
gujaf-390	33	40	)	)	PUNCT
gujaf-390	33	41	.	.	PUNCT
gujaf-390	34	1	gusau	gusau	PROPN
gujaf-390	34	2	journal	journal	PROPN
gujaf-390	34	3	of	of	ADP
gujaf-390	34	4	accounting	accounting	NOUN
gujaf-390	34	5	and	and	CCONJ
gujaf-390	34	6	finance	finance	NOUN
gujaf-390	34	7	,	,	PUNCT
gujaf-390	34	8	vol.6	vol.6	PROPN
gujaf-390	34	9	,	,	PUNCT
gujaf-390	34	10	issue	issue	NOUN
gujaf-390	34	11	1	1	NUM
gujaf-390	34	12	,	,	PUNCT
gujaf-390	34	13	april	april	PROPN
gujaf-390	34	14	,	,	PUNCT
gujaf-390	34	15	2025	2025	NUM
gujaf-390	34	16	363	363	NUM
gujaf-390	34	17	the	the	DET
gujaf-390	34	18	remainder	remainder	NOUN
gujaf-390	34	19	of	of	ADP
gujaf-390	34	20	this	this	DET
gujaf-390	34	21	paper	paper	NOUN
gujaf-390	34	22	is	be	AUX
gujaf-390	34	23	organized	organize	VERB
gujaf-390	34	24	as	as	SCONJ
gujaf-390	34	25	follows	follow	VERB
gujaf-390	34	26	:	:	PUNCT
gujaf-390	34	27	section	section	NOUN
gujaf-390	34	28	2	2	NUM
gujaf-390	34	29	presents	present	VERB
gujaf-390	34	30	a	a	DET
gujaf-390	34	31	review	review	NOUN
gujaf-390	34	32	of	of	ADP
gujaf-390	34	33	relevant	relevant	ADJ
gujaf-390	34	34	literature	literature	NOUN
gujaf-390	34	35	on	on	ADP
gujaf-390	34	36	risk	risk	NOUN
gujaf-390	34	37	management	management	NOUN
gujaf-390	34	38	and	and	CCONJ
gujaf-390	34	39	bank	bank	NOUN
gujaf-390	34	40	performance	performance	NOUN
gujaf-390	34	41	;	;	PUNCT
gujaf-390	34	42	section	section	NOUN
gujaf-390	34	43	3	3	NUM
gujaf-390	34	44	outlines	outline	VERB
gujaf-390	34	45	the	the	DET
gujaf-390	34	46	research	research	NOUN
gujaf-390	34	47	methodology	methodology	NOUN
gujaf-390	34	48	and	and	CCONJ
gujaf-390	34	49	data	datum	NOUN
gujaf-390	34	50	sources	source	NOUN
gujaf-390	34	51	;	;	PUNCT
gujaf-390	34	52	section	section	NOUN
gujaf-390	34	53	4	4	NUM
gujaf-390	34	54	discusses	discuss	VERB
gujaf-390	34	55	the	the	DET
gujaf-390	34	56	empirical	empirical	ADJ
gujaf-390	34	57	results	result	NOUN
gujaf-390	34	58	;	;	PUNCT
gujaf-390	34	59	and	and	CCONJ
gujaf-390	34	60	section	section	NOUN
gujaf-390	34	61	5	5	NUM
gujaf-390	34	62	concludes	conclude	VERB
gujaf-390	34	63	with	with	ADP
gujaf-390	34	64	policy	policy	NOUN
gujaf-390	34	65	recommendations	recommendation	NOUN
gujaf-390	34	66	and	and	CCONJ
gujaf-390	34	67	suggestions	suggestion	NOUN
gujaf-390	34	68	for	for	ADP
gujaf-390	34	69	future	future	ADJ
gujaf-390	34	70	research	research	NOUN
gujaf-390	34	71	.	.	PUNCT
gujaf-390	35	1	2.0	2.0	NUM
gujaf-390	35	2	literature	literature	NOUN
gujaf-390	35	3	review	review	NOUN
gujaf-390	35	4	credit	credit	NOUN
gujaf-390	35	5	risk	risk	NOUN
gujaf-390	35	6	management	management	NOUN
gujaf-390	35	7	and	and	CCONJ
gujaf-390	35	8	banks	bank	NOUN
gujaf-390	35	9	'	'	PART
gujaf-390	35	10	performance	performance	NOUN
gujaf-390	35	11	the	the	DET
gujaf-390	35	12	relationship	relationship	NOUN
gujaf-390	35	13	between	between	ADP
gujaf-390	35	14	credit	credit	NOUN
gujaf-390	35	15	risk	risk	NOUN
gujaf-390	35	16	management	management	NOUN
gujaf-390	35	17	and	and	CCONJ
gujaf-390	35	18	the	the	DET
gujaf-390	35	19	performance	performance	NOUN
gujaf-390	35	20	of	of	ADP
gujaf-390	35	21	banks	bank	NOUN
gujaf-390	35	22	has	have	AUX
gujaf-390	35	23	been	be	AUX
gujaf-390	35	24	a	a	DET
gujaf-390	35	25	focus	focus	NOUN
gujaf-390	35	26	of	of	ADP
gujaf-390	35	27	recent	recent	ADJ
gujaf-390	35	28	studies	study	NOUN
gujaf-390	35	29	across	across	ADP
gujaf-390	35	30	both	both	CCONJ
gujaf-390	35	31	developed	developed	ADJ
gujaf-390	35	32	and	and	CCONJ
gujaf-390	35	33	developing	develop	VERB
gujaf-390	35	34	countries	country	NOUN
gujaf-390	35	35	(	(	PUNCT
gujaf-390	35	36	william	william	PROPN
gujaf-390	35	37	,	,	PUNCT
gujaf-390	35	38	2012	2012	NUM
gujaf-390	35	39	;	;	PUNCT
gujaf-390	35	40	kodithuwakku	kodithuwakku	PROPN
gujaf-390	35	41	,	,	PUNCT
gujaf-390	35	42	2014	2014	NUM
gujaf-390	35	43	;	;	PUNCT
gujaf-390	35	44	isanzu	isanzu	NOUN
gujaf-390	35	45	,	,	PUNCT
gujaf-390	35	46	2017	2017	NUM
gujaf-390	35	47	)	)	PUNCT
gujaf-390	35	48	.	.	PUNCT
gujaf-390	36	1	credit	credit	NOUN
gujaf-390	36	2	risk	risk	NOUN
gujaf-390	36	3	refers	refer	VERB
gujaf-390	36	4	to	to	ADP
gujaf-390	36	5	the	the	DET
gujaf-390	36	6	potential	potential	ADJ
gujaf-390	36	7	loss	loss	NOUN
gujaf-390	36	8	to	to	ADP
gujaf-390	36	9	earnings	earning	NOUN
gujaf-390	36	10	or	or	CCONJ
gujaf-390	36	11	capital	capital	NOUN
gujaf-390	36	12	that	that	PRON
gujaf-390	36	13	arises	arise	VERB
gujaf-390	36	14	when	when	SCONJ
gujaf-390	36	15	a	a	DET
gujaf-390	36	16	borrower	borrower	NOUN
gujaf-390	36	17	fails	fail	VERB
gujaf-390	36	18	to	to	PART
gujaf-390	36	19	meet	meet	VERB
gujaf-390	36	20	the	the	DET
gujaf-390	36	21	terms	term	NOUN
gujaf-390	36	22	of	of	ADP
gujaf-390	36	23	a	a	DET
gujaf-390	36	24	bank	bank	NOUN
gujaf-390	36	25	’s	’s	PART
gujaf-390	36	26	contract	contract	NOUN
gujaf-390	36	27	.	.	PUNCT
gujaf-390	37	1	this	this	DET
gujaf-390	37	2	type	type	NOUN
gujaf-390	37	3	of	of	ADP
gujaf-390	37	4	risk	risk	NOUN
gujaf-390	37	5	poses	pose	VERB
gujaf-390	37	6	a	a	DET
gujaf-390	37	7	significant	significant	ADJ
gujaf-390	37	8	threat	threat	NOUN
gujaf-390	37	9	to	to	ADP
gujaf-390	37	10	a	a	DET
gujaf-390	37	11	bank	bank	NOUN
gujaf-390	37	12	’s	’s	PART
gujaf-390	37	13	performance	performance	NOUN
gujaf-390	37	14	,	,	PUNCT
gujaf-390	37	15	and	and	CCONJ
gujaf-390	37	16	if	if	SCONJ
gujaf-390	37	17	left	leave	VERB
gujaf-390	37	18	unaddressed	unaddresse	VERB
gujaf-390	37	19	,	,	PUNCT
gujaf-390	37	20	it	it	PRON
gujaf-390	37	21	can	can	AUX
gujaf-390	37	22	lead	lead	VERB
gujaf-390	37	23	to	to	ADP
gujaf-390	37	24	the	the	DET
gujaf-390	37	25	bank	bank	NOUN
gujaf-390	37	26	's	's	PART
gujaf-390	37	27	collapse	collapse	NOUN
gujaf-390	37	28	.	.	PUNCT
gujaf-390	38	1	heffernan	heffernan	PROPN
gujaf-390	38	2	(	(	PUNCT
gujaf-390	38	3	1996	1996	NUM
gujaf-390	38	4	)	)	PUNCT
gujaf-390	38	5	emphasized	emphasize	VERB
gujaf-390	38	6	that	that	SCONJ
gujaf-390	38	7	credit	credit	NOUN
gujaf-390	38	8	risk	risk	NOUN
gujaf-390	38	9	involves	involve	VERB
gujaf-390	38	10	the	the	DET
gujaf-390	38	11	possibility	possibility	NOUN
gujaf-390	38	12	that	that	SCONJ
gujaf-390	38	13	an	an	DET
gujaf-390	38	14	asset	asset	NOUN
gujaf-390	38	15	or	or	CCONJ
gujaf-390	38	16	loan	loan	NOUN
gujaf-390	38	17	will	will	AUX
gujaf-390	38	18	become	become	VERB
gujaf-390	38	19	irrecoverable	irrecoverable	ADJ
gujaf-390	38	20	,	,	PUNCT
gujaf-390	38	21	either	either	CCONJ
gujaf-390	38	22	due	due	ADP
gujaf-390	38	23	to	to	ADP
gujaf-390	38	24	outright	outright	ADJ
gujaf-390	38	25	default	default	NOUN
gujaf-390	38	26	or	or	CCONJ
gujaf-390	38	27	delays	delay	NOUN
gujaf-390	38	28	in	in	ADP
gujaf-390	38	29	servicing	servicing	NOUN
gujaf-390	38	30	loans	loan	NOUN
gujaf-390	38	31	.	.	PUNCT
gujaf-390	39	1	when	when	SCONJ
gujaf-390	39	2	credit	credit	NOUN
gujaf-390	39	3	risk	risk	NOUN
gujaf-390	39	4	materializes	materialize	VERB
gujaf-390	39	5	or	or	CCONJ
gujaf-390	39	6	becomes	become	VERB
gujaf-390	39	7	persistent	persistent	ADJ
gujaf-390	39	8	,	,	PUNCT
gujaf-390	39	9	it	it	PRON
gujaf-390	39	10	impacts	impact	VERB
gujaf-390	39	11	the	the	DET
gujaf-390	39	12	bank	bank	NOUN
gujaf-390	39	13	’s	’s	PART
gujaf-390	39	14	performance	performance	NOUN
gujaf-390	39	15	,	,	PUNCT
gujaf-390	39	16	profitability	profitability	NOUN
gujaf-390	39	17	,	,	PUNCT
gujaf-390	39	18	and	and	CCONJ
gujaf-390	39	19	shareholder	shareholder	NOUN
gujaf-390	39	20	value	value	NOUN
gujaf-390	39	21	.	.	PUNCT
gujaf-390	40	1	cooper	cooper	PROPN
gujaf-390	40	2	,	,	PUNCT
gujaf-390	40	3	jackson	jackson	PROPN
gujaf-390	40	4	,	,	PUNCT
gujaf-390	40	5	and	and	CCONJ
gujaf-390	40	6	patterson	patterson	PROPN
gujaf-390	40	7	(	(	PUNCT
gujaf-390	40	8	2003	2003	NUM
gujaf-390	40	9	)	)	PUNCT
gujaf-390	40	10	argued	argue	VERB
gujaf-390	40	11	that	that	SCONJ
gujaf-390	40	12	fluctuations	fluctuation	NOUN
gujaf-390	40	13	in	in	ADP
gujaf-390	40	14	credit	credit	NOUN
gujaf-390	40	15	risks	risk	NOUN
gujaf-390	40	16	influence	influence	VERB
gujaf-390	40	17	the	the	DET
gujaf-390	40	18	health	health	NOUN
gujaf-390	40	19	of	of	ADP
gujaf-390	40	20	a	a	DET
gujaf-390	40	21	bank	bank	NOUN
gujaf-390	40	22	's	's	PART
gujaf-390	40	23	loan	loan	NOUN
gujaf-390	40	24	portfolio	portfolio	NOUN
gujaf-390	40	25	,	,	PUNCT
gujaf-390	40	26	thereby	thereby	ADV
gujaf-390	40	27	affecting	affect	VERB
gujaf-390	40	28	its	its	PRON
gujaf-390	40	29	overall	overall	ADJ
gujaf-390	40	30	performance	performance	NOUN
gujaf-390	40	31	.	.	PUNCT
gujaf-390	41	1	increased	increase	VERB
gujaf-390	41	2	exposure	exposure	NOUN
gujaf-390	41	3	to	to	ADP
gujaf-390	41	4	credit	credit	NOUN
gujaf-390	41	5	risk	risk	NOUN
gujaf-390	41	6	can	can	AUX
gujaf-390	41	7	result	result	VERB
gujaf-390	41	8	in	in	ADP
gujaf-390	41	9	a	a	DET
gujaf-390	41	10	decline	decline	NOUN
gujaf-390	41	11	in	in	ADP
gujaf-390	41	12	profitability	profitability	NOUN
gujaf-390	41	13	,	,	PUNCT
gujaf-390	41	14	as	as	SCONJ
gujaf-390	41	15	higher	high	ADJ
gujaf-390	41	16	credit	credit	NOUN
gujaf-390	41	17	risk	risk	NOUN
gujaf-390	41	18	often	often	ADV
gujaf-390	41	19	leads	lead	VERB
gujaf-390	41	20	to	to	ADP
gujaf-390	41	21	a	a	DET
gujaf-390	41	22	larger	large	ADJ
gujaf-390	41	23	proportion	proportion	NOUN
gujaf-390	41	24	of	of	ADP
gujaf-390	41	25	bad	bad	ADJ
gujaf-390	41	26	and	and	CCONJ
gujaf-390	41	27	doubtful	doubtful	ADJ
gujaf-390	41	28	debts	debt	NOUN
gujaf-390	41	29	,	,	PUNCT
gujaf-390	41	30	which	which	PRON
gujaf-390	41	31	erode	erode	VERB
gujaf-390	41	32	the	the	DET
gujaf-390	41	33	bank	bank	NOUN
gujaf-390	41	34	’s	’s	PART
gujaf-390	41	35	profits	profit	NOUN
gujaf-390	41	36	.	.	PUNCT
gujaf-390	42	1	persistent	persistent	ADJ
gujaf-390	42	2	credit	credit	NOUN
gujaf-390	42	3	risk	risk	NOUN
gujaf-390	42	4	reduces	reduce	VERB
gujaf-390	42	5	profitability	profitability	NOUN
gujaf-390	42	6	and	and	CCONJ
gujaf-390	42	7	hinders	hinder	VERB
gujaf-390	42	8	operational	operational	ADJ
gujaf-390	42	9	performance	performance	NOUN
gujaf-390	42	10	.	.	PUNCT
gujaf-390	43	1	non	non	ADJ
gujaf-390	43	2	-	-	ADJ
gujaf-390	43	3	performing	performing	ADJ
gujaf-390	43	4	loans	loan	NOUN
gujaf-390	43	5	(	(	PUNCT
gujaf-390	43	6	npls	npls	NOUN
gujaf-390	43	7	)	)	PUNCT
gujaf-390	43	8	are	be	AUX
gujaf-390	43	9	loans	loan	NOUN
gujaf-390	43	10	that	that	PRON
gujaf-390	43	11	are	be	AUX
gujaf-390	43	12	in	in	ADP
gujaf-390	43	13	default	default	NOUN
gujaf-390	43	14	or	or	CCONJ
gujaf-390	43	15	have	have	VERB
gujaf-390	43	16	uncertain	uncertain	ADJ
gujaf-390	43	17	repayment	repayment	NOUN
gujaf-390	43	18	prospects	prospect	NOUN
gujaf-390	43	19	.	.	PUNCT
gujaf-390	44	1	according	accord	VERB
gujaf-390	44	2	to	to	ADP
gujaf-390	44	3	mohd	mohd	PROPN
gujaf-390	44	4	,	,	PUNCT
gujaf-390	44	5	sok	sok	NOUN
gujaf-390	44	6	-	-	PUNCT
gujaf-390	44	7	gee	gee	NOUN
gujaf-390	44	8	,	,	PUNCT
gujaf-390	44	9	and	and	CCONJ
gujaf-390	44	10	sallahudin	sallahudin	NOUN
gujaf-390	44	11	(	(	PUNCT
gujaf-390	44	12	2010	2010	NUM
gujaf-390	44	13	)	)	PUNCT
gujaf-390	44	14	,	,	PUNCT
gujaf-390	44	15	managing	manage	VERB
gujaf-390	44	16	npls	npls	NOUN
gujaf-390	44	17	is	be	AUX
gujaf-390	44	18	associated	associate	VERB
gujaf-390	44	19	with	with	ADP
gujaf-390	44	20	high	high	ADJ
gujaf-390	44	21	operational	operational	ADJ
gujaf-390	44	22	costs	cost	NOUN
gujaf-390	44	23	,	,	PUNCT
gujaf-390	44	24	which	which	PRON
gujaf-390	44	25	can	can	AUX
gujaf-390	44	26	reduce	reduce	VERB
gujaf-390	44	27	capital	capital	NOUN
gujaf-390	44	28	growth	growth	NOUN
gujaf-390	44	29	in	in	ADP
gujaf-390	44	30	the	the	DET
gujaf-390	44	31	affected	affected	ADJ
gujaf-390	44	32	banks	bank	NOUN
gujaf-390	44	33	.	.	PUNCT
gujaf-390	45	1	npls	npls	PROPN
gujaf-390	45	2	diminish	diminish	VERB
gujaf-390	45	3	liquidity	liquidity	NOUN
gujaf-390	45	4	,	,	PUNCT
gujaf-390	45	5	disrupt	disrupt	ADJ
gujaf-390	45	6	credit	credit	NOUN
gujaf-390	45	7	expansion	expansion	NOUN
gujaf-390	45	8	,	,	PUNCT
gujaf-390	45	9	and	and	CCONJ
gujaf-390	45	10	slow	slow	ADJ
gujaf-390	45	11	economic	economic	ADJ
gujaf-390	45	12	growth	growth	NOUN
gujaf-390	45	13	,	,	PUNCT
gujaf-390	45	14	which	which	PRON
gujaf-390	45	15	directly	directly	ADV
gujaf-390	45	16	affects	affect	VERB
gujaf-390	45	17	the	the	DET
gujaf-390	45	18	bank	bank	NOUN
gujaf-390	45	19	's	's	PART
gujaf-390	45	20	performance	performance	NOUN
gujaf-390	45	21	.	.	PUNCT
gujaf-390	46	1	somoye	somoye	NOUN
gujaf-390	46	2	(	(	PUNCT
gujaf-390	46	3	2010	2010	NUM
gujaf-390	46	4	)	)	PUNCT
gujaf-390	46	5	further	far	ADV
gujaf-390	46	6	suggested	suggest	VERB
gujaf-390	46	7	that	that	SCONJ
gujaf-390	46	8	npls	npls	NOUN
gujaf-390	46	9	diminish	diminish	VERB
gujaf-390	46	10	investor	investor	NOUN
gujaf-390	46	11	confidence	confidence	NOUN
gujaf-390	46	12	in	in	ADP
gujaf-390	46	13	the	the	DET
gujaf-390	46	14	banking	banking	NOUN
gujaf-390	46	15	system	system	NOUN
gujaf-390	46	16	,	,	PUNCT
gujaf-390	46	17	deterring	deter	VERB
gujaf-390	46	18	investments	investment	NOUN
gujaf-390	46	19	.	.	PUNCT
gujaf-390	47	1	liquidity	liquidity	NOUN
gujaf-390	47	2	risk	risk	NOUN
gujaf-390	47	3	management	management	NOUN
gujaf-390	47	4	and	and	CCONJ
gujaf-390	47	5	banks	bank	NOUN
gujaf-390	47	6	'	'	PART
gujaf-390	47	7	performance	performance	NOUN
gujaf-390	47	8	the	the	DET
gujaf-390	47	9	ifsb	ifsb	NOUN
gujaf-390	47	10	's	's	PART
gujaf-390	47	11	guiding	guide	VERB
gujaf-390	47	12	principles	principle	NOUN
gujaf-390	47	13	of	of	ADP
gujaf-390	47	14	risk	risk	NOUN
gujaf-390	47	15	management	management	NOUN
gujaf-390	47	16	(	(	PUNCT
gujaf-390	47	17	2005	2005	NUM
gujaf-390	47	18	)	)	PUNCT
gujaf-390	47	19	defines	define	VERB
gujaf-390	47	20	liquidity	liquidity	NOUN
gujaf-390	47	21	risk	risk	NOUN
gujaf-390	47	22	as	as	ADP
gujaf-390	47	23	the	the	DET
gujaf-390	47	24	potential	potential	ADJ
gujaf-390	47	25	loss	loss	NOUN
gujaf-390	47	26	a	a	DET
gujaf-390	47	27	bank	bank	NOUN
gujaf-390	47	28	faces	face	VERB
gujaf-390	47	29	due	due	ADP
gujaf-390	47	30	to	to	ADP
gujaf-390	47	31	its	its	PRON
gujaf-390	47	32	inability	inability	NOUN
gujaf-390	47	33	to	to	PART
gujaf-390	47	34	meet	meet	VERB
gujaf-390	47	35	obligations	obligation	NOUN
gujaf-390	47	36	or	or	CCONJ
gujaf-390	47	37	fund	fund	NOUN
gujaf-390	47	38	asset	asset	NOUN
gujaf-390	47	39	increases	increase	NOUN
gujaf-390	47	40	without	without	ADP
gujaf-390	47	41	incurring	incur	VERB
gujaf-390	47	42	significant	significant	ADJ
gujaf-390	47	43	costs	cost	NOUN
gujaf-390	47	44	or	or	CCONJ
gujaf-390	47	45	losses	loss	NOUN
gujaf-390	47	46	.	.	PUNCT
gujaf-390	48	1	liquidity	liquidity	NOUN
gujaf-390	48	2	is	be	AUX
gujaf-390	48	3	the	the	DET
gujaf-390	48	4	ability	ability	NOUN
gujaf-390	48	5	of	of	ADP
gujaf-390	48	6	a	a	DET
gujaf-390	48	7	bank	bank	NOUN
gujaf-390	48	8	to	to	PART
gujaf-390	48	9	meet	meet	VERB
gujaf-390	48	10	short	short	ADJ
gujaf-390	48	11	-	-	PUNCT
gujaf-390	48	12	term	term	NOUN
gujaf-390	48	13	obligations	obligation	NOUN
gujaf-390	48	14	,	,	PUNCT
gujaf-390	48	15	or	or	CCONJ
gujaf-390	48	16	the	the	DET
gujaf-390	48	17	capacity	capacity	NOUN
gujaf-390	48	18	to	to	PART
gujaf-390	48	19	convert	convert	VERB
gujaf-390	48	20	assets	asset	NOUN
gujaf-390	48	21	into	into	ADP
gujaf-390	48	22	cash	cash	NOUN
gujaf-390	48	23	when	when	SCONJ
gujaf-390	48	24	needed	need	VERB
gujaf-390	48	25	(	(	PUNCT
gujaf-390	48	26	taylor	taylor	PROPN
gujaf-390	48	27	,	,	PUNCT
gujaf-390	48	28	2001	2001	NUM
gujaf-390	48	29	)	)	PUNCT
gujaf-390	48	30	.	.	PUNCT
gujaf-390	49	1	it	it	PRON
gujaf-390	49	2	is	be	AUX
gujaf-390	49	3	a	a	DET
gujaf-390	49	4	crucial	crucial	ADJ
gujaf-390	49	5	component	component	NOUN
gujaf-390	49	6	for	for	ADP
gujaf-390	49	7	a	a	DET
gujaf-390	49	8	bank	bank	NOUN
gujaf-390	49	9	’s	’s	PART
gujaf-390	49	10	stability	stability	NOUN
gujaf-390	49	11	.	.	PUNCT
gujaf-390	50	1	inadequate	inadequate	ADJ
gujaf-390	50	2	management	management	NOUN
gujaf-390	50	3	of	of	ADP
gujaf-390	50	4	liquidity	liquidity	NOUN
gujaf-390	50	5	is	be	AUX
gujaf-390	50	6	comparable	comparable	ADJ
gujaf-390	50	7	to	to	ADP
gujaf-390	50	8	“	"	PUNCT
gujaf-390	50	9	throwing	throw	VERB
gujaf-390	50	10	good	good	ADJ
gujaf-390	50	11	money	money	NOUN
gujaf-390	50	12	after	after	ADP
gujaf-390	50	13	bad	bad	ADJ
gujaf-390	50	14	”	"	PUNCT
gujaf-390	50	15	(	(	PUNCT
gujaf-390	50	16	olashore	olashore	ADV
gujaf-390	50	17	,	,	PUNCT
gujaf-390	50	18	1990	1990	NUM
gujaf-390	50	19	)	)	PUNCT
gujaf-390	50	20	.	.	PUNCT
gujaf-390	51	1	a	a	DET
gujaf-390	51	2	liquidity	liquidity	NOUN
gujaf-390	51	3	crisis	crisis	NOUN
gujaf-390	51	4	can	can	AUX
gujaf-390	51	5	lead	lead	VERB
gujaf-390	51	6	to	to	ADP
gujaf-390	51	7	insolvency	insolvency	NOUN
gujaf-390	51	8	and	and	CCONJ
gujaf-390	51	9	bank	bank	NOUN
gujaf-390	51	10	runs	run	NOUN
gujaf-390	51	11	,	,	PUNCT
gujaf-390	51	12	so	so	ADV
gujaf-390	51	13	minimizing	minimize	VERB
gujaf-390	51	14	liquidity	liquidity	NOUN
gujaf-390	51	15	risk	risk	NOUN
gujaf-390	51	16	is	be	AUX
gujaf-390	51	17	vital	vital	ADJ
gujaf-390	51	18	for	for	ADP
gujaf-390	51	19	a	a	DET
gujaf-390	51	20	bank	bank	NOUN
gujaf-390	51	21	's	's	PART
gujaf-390	51	22	asset	asset	NOUN
gujaf-390	51	23	and	and	CCONJ
gujaf-390	51	24	liability	liability	NOUN
gujaf-390	51	25	management	management	NOUN
gujaf-390	51	26	.	.	PUNCT
gujaf-390	52	1	william	william	PROPN
gujaf-390	52	2	(	(	PUNCT
gujaf-390	52	3	2012	2012	NUM
gujaf-390	52	4	)	)	PUNCT
gujaf-390	52	5	noted	note	VERB
gujaf-390	52	6	that	that	SCONJ
gujaf-390	52	7	the	the	DET
gujaf-390	52	8	primary	primary	ADJ
gujaf-390	52	9	goal	goal	NOUN
gujaf-390	52	10	of	of	ADP
gujaf-390	52	11	liquidity	liquidity	NOUN
gujaf-390	52	12	risk	risk	NOUN
gujaf-390	52	13	management	management	NOUN
gujaf-390	52	14	is	be	AUX
gujaf-390	52	15	to	to	PART
gujaf-390	52	16	reduce	reduce	VERB
gujaf-390	52	17	the	the	DET
gujaf-390	52	18	impact	impact	NOUN
gujaf-390	52	19	of	of	ADP
gujaf-390	52	20	maturity	maturity	NOUN
gujaf-390	52	21	mismatches	mismatch	NOUN
gujaf-390	52	22	on	on	ADP
gujaf-390	52	23	a	a	DET
gujaf-390	52	24	bank	bank	NOUN
gujaf-390	52	25	's	's	PART
gujaf-390	52	26	financial	financial	ADJ
gujaf-390	52	27	position	position	NOUN
gujaf-390	52	28	.	.	PUNCT
gujaf-390	53	1	liquidity	liquidity	NOUN
gujaf-390	53	2	refers	refer	VERB
gujaf-390	53	3	to	to	ADP
gujaf-390	53	4	the	the	DET
gujaf-390	53	5	ability	ability	NOUN
gujaf-390	53	6	of	of	ADP
gujaf-390	53	7	a	a	DET
gujaf-390	53	8	bank	bank	NOUN
gujaf-390	53	9	to	to	PART
gujaf-390	53	10	meet	meet	VERB
gujaf-390	53	11	cash	cash	NOUN
gujaf-390	53	12	demands	demand	NOUN
gujaf-390	53	13	,	,	PUNCT
gujaf-390	53	14	which	which	PRON
gujaf-390	53	15	forms	form	VERB
gujaf-390	53	16	part	part	NOUN
gujaf-390	53	17	of	of	ADP
gujaf-390	53	18	the	the	DET
gujaf-390	53	19	institution	institution	NOUN
gujaf-390	53	20	's	's	PART
gujaf-390	53	21	working	work	VERB
gujaf-390	53	22	capital	capital	NOUN
gujaf-390	53	23	.	.	PUNCT
gujaf-390	54	1	cooper	cooper	PROPN
gujaf-390	54	2	,	,	PUNCT
gujaf-390	54	3	jackson	jackson	PROPN
gujaf-390	54	4	,	,	PUNCT
gujaf-390	54	5	and	and	CCONJ
gujaf-390	54	6	patterson	patterson	PROPN
gujaf-390	54	7	(	(	PUNCT
gujaf-390	54	8	2003	2003	NUM
gujaf-390	54	9	)	)	PUNCT
gujaf-390	54	10	emphasized	emphasize	VERB
gujaf-390	54	11	that	that	SCONJ
gujaf-390	54	12	the	the	DET
gujaf-390	54	13	more	more	ADV
gujaf-390	54	14	capable	capable	ADJ
gujaf-390	54	15	a	a	DET
gujaf-390	54	16	financial	financial	ADJ
gujaf-390	54	17	institution	institution	NOUN
gujaf-390	54	18	is	be	AUX
gujaf-390	54	19	in	in	ADP
gujaf-390	54	20	meeting	meet	VERB
gujaf-390	54	21	its	its	PRON
gujaf-390	54	22	customers	customer	NOUN
gujaf-390	54	23	’	'	PUNCT
gujaf-390	54	24	demands	demand	NOUN
gujaf-390	54	25	,	,	PUNCT
gujaf-390	54	26	the	the	DET
gujaf-390	54	27	more	more	ADV
gujaf-390	54	28	liquid	liquid	ADJ
gujaf-390	54	29	it	it	PRON
gujaf-390	54	30	is	be	AUX
gujaf-390	54	31	considered	consider	VERB
gujaf-390	54	32	to	to	PART
gujaf-390	54	33	be	be	AUX
gujaf-390	54	34	.	.	PUNCT
gujaf-390	55	1	however	however	ADV
gujaf-390	55	2	,	,	PUNCT
gujaf-390	55	3	bank	bank	NOUN
gujaf-390	55	4	managers	manager	NOUN
gujaf-390	55	5	often	often	ADV
gujaf-390	55	6	face	face	VERB
gujaf-390	55	7	pressure	pressure	NOUN
gujaf-390	55	8	from	from	ADP
gujaf-390	55	9	shareholders	shareholder	NOUN
gujaf-390	55	10	to	to	PART
gujaf-390	55	11	increase	increase	VERB
gujaf-390	55	12	profits	profit	NOUN
gujaf-390	55	13	by	by	ADP
gujaf-390	55	14	investing	invest	VERB
gujaf-390	55	15	in	in	ADP
gujaf-390	55	16	long	long	ADJ
gujaf-390	55	17	-	-	PUNCT
gujaf-390	55	18	term	term	NOUN
gujaf-390	55	19	securities	security	NOUN
gujaf-390	55	20	and	and	CCONJ
gujaf-390	55	21	reducing	reduce	VERB
gujaf-390	55	22	idle	idle	ADJ
gujaf-390	55	23	cash	cash	NOUN
gujaf-390	55	24	balances	balance	NOUN
gujaf-390	55	25	,	,	PUNCT
gujaf-390	55	26	which	which	PRON
gujaf-390	55	27	can	can	AUX
gujaf-390	55	28	undermine	undermine	VERB
gujaf-390	55	29	liquidity	liquidity	NOUN
gujaf-390	55	30	and	and	CCONJ
gujaf-390	55	31	make	make	VERB
gujaf-390	55	32	it	it	PRON
gujaf-390	55	33	harder	hard	ADJ
gujaf-390	55	34	to	to	PART
gujaf-390	55	35	meet	meet	VERB
gujaf-390	55	36	withdrawal	withdrawal	NOUN
gujaf-390	55	37	and	and	CCONJ
gujaf-390	55	38	credit	credit	NOUN
gujaf-390	55	39	demands	demand	NOUN
gujaf-390	55	40	(	(	PUNCT
gujaf-390	55	41	somoye	somoye	NOUN
gujaf-390	55	42	,	,	PUNCT
gujaf-390	55	43	2010	2010	NUM
gujaf-390	55	44	)	)	PUNCT
gujaf-390	55	45	.	.	PUNCT
gujaf-390	56	1	banks	bank	NOUN
gujaf-390	56	2	that	that	PRON
gujaf-390	56	3	consistently	consistently	ADV
gujaf-390	56	4	fail	fail	VERB
gujaf-390	56	5	to	to	PART
gujaf-390	56	6	meet	meet	VERB
gujaf-390	56	7	obligations	obligation	NOUN
gujaf-390	56	8	can	can	AUX
gujaf-390	56	9	be	be	AUX
gujaf-390	56	10	considered	consider	VERB
gujaf-390	56	11	financially	financially	ADV
gujaf-390	56	12	unhealthy	unhealthy	ADJ
gujaf-390	56	13	.	.	PUNCT
gujaf-390	57	1	according	accord	VERB
gujaf-390	57	2	to	to	ADP
gujaf-390	57	3	crowe	crowe	PROPN
gujaf-390	57	4	(	(	PUNCT
gujaf-390	57	5	2009	2009	NUM
gujaf-390	57	6	)	)	PUNCT
gujaf-390	57	7	,	,	PUNCT
gujaf-390	57	8	even	even	ADV
gujaf-390	57	9	a	a	DET
gujaf-390	57	10	bank	bank	NOUN
gujaf-390	57	11	gusau	gusau	ADJ
gujaf-390	57	12	journal	journal	NOUN
gujaf-390	57	13	of	of	ADP
gujaf-390	57	14	accounting	accounting	NOUN
gujaf-390	57	15	and	and	CCONJ
gujaf-390	57	16	finance	finance	NOUN
gujaf-390	57	17	,	,	PUNCT
gujaf-390	57	18	vol.6	vol.6	PROPN
gujaf-390	57	19	,	,	PUNCT
gujaf-390	57	20	issue	issue	NOUN
gujaf-390	57	21	1	1	NUM
gujaf-390	57	22	,	,	PUNCT
gujaf-390	57	23	april	april	PROPN
gujaf-390	57	24	,	,	PUNCT
gujaf-390	57	25	2025	2025	NUM
gujaf-390	57	26	364	364	NUM
gujaf-390	57	27	with	with	ADP
gujaf-390	57	28	good	good	ADJ
gujaf-390	57	29	asset	asset	NOUN
gujaf-390	57	30	quality	quality	NOUN
gujaf-390	57	31	and	and	CCONJ
gujaf-390	57	32	strong	strong	ADJ
gujaf-390	57	33	earnings	earning	NOUN
gujaf-390	57	34	may	may	AUX
gujaf-390	57	35	fail	fail	VERB
gujaf-390	57	36	if	if	SCONJ
gujaf-390	57	37	it	it	PRON
gujaf-390	57	38	does	do	AUX
gujaf-390	57	39	not	not	PART
gujaf-390	57	40	maintain	maintain	VERB
gujaf-390	57	41	sufficient	sufficient	ADJ
gujaf-390	57	42	liquidity	liquidity	NOUN
gujaf-390	57	43	.	.	PUNCT
gujaf-390	58	1	shareholders	shareholder	NOUN
gujaf-390	58	2	may	may	AUX
gujaf-390	58	3	prefer	prefer	VERB
gujaf-390	58	4	less	less	ADJ
gujaf-390	58	5	liquidity	liquidity	NOUN
gujaf-390	58	6	due	due	ADP
gujaf-390	58	7	to	to	ADP
gujaf-390	58	8	its	its	PRON
gujaf-390	58	9	impact	impact	NOUN
gujaf-390	58	10	on	on	ADP
gujaf-390	58	11	profitability	profitability	NOUN
gujaf-390	58	12	,	,	PUNCT
gujaf-390	58	13	but	but	CCONJ
gujaf-390	58	14	they	they	PRON
gujaf-390	58	15	also	also	ADV
gujaf-390	58	16	recognize	recognize	VERB
gujaf-390	58	17	that	that	SCONJ
gujaf-390	58	18	inadequate	inadequate	ADJ
gujaf-390	58	19	liquidity	liquidity	NOUN
gujaf-390	58	20	can	can	AUX
gujaf-390	58	21	prevent	prevent	VERB
gujaf-390	58	22	the	the	DET
gujaf-390	58	23	bank	bank	NOUN
gujaf-390	58	24	from	from	ADP
gujaf-390	58	25	securing	secure	VERB
gujaf-390	58	26	incentives	incentive	NOUN
gujaf-390	58	27	from	from	ADP
gujaf-390	58	28	suppliers	supplier	NOUN
gujaf-390	58	29	and	and	CCONJ
gujaf-390	58	30	creditors	creditor	NOUN
gujaf-390	58	31	.	.	PUNCT
gujaf-390	59	1	thus	thus	ADV
gujaf-390	59	2	,	,	PUNCT
gujaf-390	59	3	maintaining	maintain	VERB
gujaf-390	59	4	a	a	DET
gujaf-390	59	5	certain	certain	ADJ
gujaf-390	59	6	level	level	NOUN
gujaf-390	59	7	of	of	ADP
gujaf-390	59	8	liquidity	liquidity	NOUN
gujaf-390	59	9	is	be	AUX
gujaf-390	59	10	essential	essential	ADJ
gujaf-390	59	11	for	for	ADP
gujaf-390	59	12	a	a	DET
gujaf-390	59	13	bank	bank	NOUN
gujaf-390	59	14	's	's	PART
gujaf-390	59	15	operations	operation	NOUN
gujaf-390	59	16	.	.	PUNCT
gujaf-390	60	1	olagunju	olagunju	PROPN
gujaf-390	60	2	,	,	PUNCT
gujaf-390	60	3	adeyanju	adeyanju	NOUN
gujaf-390	60	4	,	,	PUNCT
gujaf-390	60	5	and	and	CCONJ
gujaf-390	60	6	olabode	olabode	PROPN
gujaf-390	60	7	(	(	PUNCT
gujaf-390	60	8	2011	2011	NUM
gujaf-390	60	9	)	)	PUNCT
gujaf-390	60	10	argued	argue	VERB
gujaf-390	60	11	that	that	SCONJ
gujaf-390	60	12	the	the	DET
gujaf-390	60	13	survival	survival	NOUN
gujaf-390	60	14	of	of	ADP
gujaf-390	60	15	a	a	DET
gujaf-390	60	16	bank	bank	NOUN
gujaf-390	60	17	depends	depend	VERB
gujaf-390	60	18	on	on	ADP
gujaf-390	60	19	its	its	PRON
gujaf-390	60	20	liquidity	liquidity	NOUN
gujaf-390	60	21	,	,	PUNCT
gujaf-390	60	22	as	as	SCONJ
gujaf-390	60	23	illiquidity	illiquidity	NOUN
gujaf-390	60	24	can	can	AUX
gujaf-390	60	25	lead	lead	VERB
gujaf-390	60	26	to	to	ADP
gujaf-390	60	27	public	public	ADJ
gujaf-390	60	28	distrust	distrust	NOUN
gujaf-390	60	29	and	and	CCONJ
gujaf-390	60	30	loss	loss	NOUN
gujaf-390	60	31	of	of	ADP
gujaf-390	60	32	confidence	confidence	NOUN
gujaf-390	60	33	in	in	ADP
gujaf-390	60	34	the	the	DET
gujaf-390	60	35	banking	banking	NOUN
gujaf-390	60	36	sector	sector	NOUN
gujaf-390	60	37	.	.	PUNCT
gujaf-390	61	1	understanding	understand	VERB
gujaf-390	61	2	cash	cash	NOUN
gujaf-390	61	3	flow	flow	NOUN
gujaf-390	61	4	movements	movement	NOUN
gujaf-390	61	5	and	and	CCONJ
gujaf-390	61	6	addressing	address	VERB
gujaf-390	61	7	liquidity	liquidity	NOUN
gujaf-390	61	8	pressures	pressure	NOUN
gujaf-390	61	9	are	be	AUX
gujaf-390	61	10	crucial	crucial	ADJ
gujaf-390	61	11	for	for	SCONJ
gujaf-390	61	12	banks	bank	NOUN
gujaf-390	61	13	to	to	PART
gujaf-390	61	14	prevent	prevent	VERB
gujaf-390	61	15	financial	financial	ADJ
gujaf-390	61	16	distress	distress	NOUN
gujaf-390	61	17	(	(	PUNCT
gujaf-390	61	18	taylor	taylor	PROPN
gujaf-390	61	19	,	,	PUNCT
gujaf-390	61	20	2001	2001	NUM
gujaf-390	61	21	)	)	PUNCT
gujaf-390	61	22	.	.	PUNCT
gujaf-390	62	1	to	to	PART
gujaf-390	62	2	manage	manage	VERB
gujaf-390	62	3	liquidity	liquidity	NOUN
gujaf-390	62	4	,	,	PUNCT
gujaf-390	62	5	banks	bank	NOUN
gujaf-390	62	6	must	must	AUX
gujaf-390	62	7	comply	comply	VERB
gujaf-390	62	8	with	with	ADP
gujaf-390	62	9	legal	legal	ADJ
gujaf-390	62	10	reserve	reserve	NOUN
gujaf-390	62	11	requirements	requirement	NOUN
gujaf-390	62	12	and	and	CCONJ
gujaf-390	62	13	avoid	avoid	VERB
gujaf-390	62	14	excessive	excessive	ADJ
gujaf-390	62	15	or	or	CCONJ
gujaf-390	62	16	insufficient	insufficient	ADJ
gujaf-390	62	17	reserves	reserve	NOUN
gujaf-390	62	18	,	,	PUNCT
gujaf-390	62	19	which	which	PRON
gujaf-390	62	20	could	could	AUX
gujaf-390	62	21	affect	affect	VERB
gujaf-390	62	22	their	their	PRON
gujaf-390	62	23	financial	financial	ADJ
gujaf-390	62	24	health	health	NOUN
gujaf-390	62	25	.	.	PUNCT
gujaf-390	63	1	market	market	NOUN
gujaf-390	63	2	risk	risk	NOUN
gujaf-390	63	3	management	management	NOUN
gujaf-390	63	4	and	and	CCONJ
gujaf-390	63	5	financial	financial	ADJ
gujaf-390	63	6	performance	performance	NOUN
gujaf-390	63	7	market	market	NOUN
gujaf-390	63	8	risk	risk	NOUN
gujaf-390	63	9	is	be	AUX
gujaf-390	63	10	a	a	DET
gujaf-390	63	11	major	major	ADJ
gujaf-390	63	12	source	source	NOUN
gujaf-390	63	13	of	of	ADP
gujaf-390	63	14	income	income	NOUN
gujaf-390	63	15	variability	variability	NOUN
gujaf-390	63	16	for	for	ADP
gujaf-390	63	17	financial	financial	ADJ
gujaf-390	63	18	institutions	institution	NOUN
gujaf-390	63	19	globally	globally	ADV
gujaf-390	63	20	.	.	PUNCT
gujaf-390	64	1	koch	koch	PROPN
gujaf-390	64	2	and	and	CCONJ
gujaf-390	64	3	macdonald	macdonald	PROPN
gujaf-390	64	4	(	(	PUNCT
gujaf-390	64	5	2006	2006	NUM
gujaf-390	64	6	)	)	PUNCT
gujaf-390	64	7	categorized	categorize	VERB
gujaf-390	64	8	market	market	NOUN
gujaf-390	64	9	risk	risk	NOUN
gujaf-390	64	10	into	into	ADP
gujaf-390	64	11	three	three	NUM
gujaf-390	64	12	primary	primary	ADJ
gujaf-390	64	13	subtypes	subtype	NOUN
gujaf-390	64	14	:	:	PUNCT
gujaf-390	64	15	stock	stock	NOUN
gujaf-390	64	16	price	price	NOUN
gujaf-390	64	17	risk	risk	NOUN
gujaf-390	64	18	,	,	PUNCT
gujaf-390	64	19	interest	interest	NOUN
gujaf-390	64	20	rate	rate	NOUN
gujaf-390	64	21	risk	risk	NOUN
gujaf-390	64	22	,	,	PUNCT
gujaf-390	64	23	and	and	CCONJ
gujaf-390	64	24	foreign	foreign	ADJ
gujaf-390	64	25	exchange	exchange	NOUN
gujaf-390	64	26	risk	risk	NOUN
gujaf-390	64	27	.	.	PUNCT
gujaf-390	65	1	worzala	worzala	NOUN
gujaf-390	65	2	(	(	PUNCT
gujaf-390	65	3	1995	1995	NUM
gujaf-390	65	4	)	)	PUNCT
gujaf-390	65	5	highlighted	highlight	VERB
gujaf-390	65	6	that	that	SCONJ
gujaf-390	65	7	market	market	NOUN
gujaf-390	65	8	risk	risk	NOUN
gujaf-390	65	9	can	can	AUX
gujaf-390	65	10	also	also	ADV
gujaf-390	65	11	arise	arise	VERB
gujaf-390	65	12	when	when	SCONJ
gujaf-390	65	13	banks	bank	NOUN
gujaf-390	65	14	accept	accept	VERB
gujaf-390	65	15	financial	financial	ADJ
gujaf-390	65	16	instruments	instrument	NOUN
gujaf-390	65	17	that	that	PRON
gujaf-390	65	18	are	be	AUX
gujaf-390	65	19	exposed	expose	VERB
gujaf-390	65	20	to	to	ADP
gujaf-390	65	21	market	market	NOUN
gujaf-390	65	22	price	price	NOUN
gujaf-390	65	23	fluctuations	fluctuation	NOUN
gujaf-390	65	24	as	as	ADP
gujaf-390	65	25	collateral	collateral	NOUN
gujaf-390	65	26	for	for	ADP
gujaf-390	65	27	loans	loan	NOUN
gujaf-390	65	28	.	.	PUNCT
gujaf-390	66	1	price	price	NOUN
gujaf-390	66	2	volatility	volatility	NOUN
gujaf-390	66	3	increases	increase	NOUN
gujaf-390	66	4	and	and	CCONJ
gujaf-390	66	5	decreases	decrease	NOUN
gujaf-390	66	6	in	in	ADP
gujaf-390	66	7	the	the	DET
gujaf-390	66	8	market	market	NOUN
gujaf-390	66	9	,	,	PUNCT
gujaf-390	66	10	influencing	influence	VERB
gujaf-390	66	11	the	the	DET
gujaf-390	66	12	performance	performance	NOUN
gujaf-390	66	13	of	of	ADP
gujaf-390	66	14	stocks	stock	NOUN
gujaf-390	66	15	and	and	CCONJ
gujaf-390	66	16	options	option	NOUN
gujaf-390	66	17	.	.	PUNCT
gujaf-390	67	1	the	the	PRON
gujaf-390	67	2	greater	great	ADJ
gujaf-390	67	3	the	the	DET
gujaf-390	67	4	market	market	NOUN
gujaf-390	67	5	volatility	volatility	NOUN
gujaf-390	67	6	,	,	PUNCT
gujaf-390	67	7	the	the	PRON
gujaf-390	67	8	higher	high	ADJ
gujaf-390	67	9	the	the	DET
gujaf-390	67	10	likelihood	likelihood	NOUN
gujaf-390	67	11	of	of	ADP
gujaf-390	67	12	significant	significant	ADJ
gujaf-390	67	13	gains	gain	NOUN
gujaf-390	67	14	or	or	CCONJ
gujaf-390	67	15	losses	loss	NOUN
gujaf-390	67	16	.	.	PUNCT
gujaf-390	68	1	market	market	NOUN
gujaf-390	68	2	risks	risk	NOUN
gujaf-390	68	3	are	be	AUX
gujaf-390	68	4	commonly	commonly	ADV
gujaf-390	68	5	divided	divide	VERB
gujaf-390	68	6	into	into	ADP
gujaf-390	68	7	interest	interest	NOUN
gujaf-390	68	8	rate	rate	NOUN
gujaf-390	68	9	risk	risk	NOUN
gujaf-390	68	10	and	and	CCONJ
gujaf-390	68	11	exchange	exchange	NOUN
gujaf-390	68	12	rate	rate	NOUN
gujaf-390	68	13	risk	risk	NOUN
gujaf-390	68	14	,	,	PUNCT
gujaf-390	68	15	as	as	ADV
gujaf-390	68	16	well	well	ADV
gujaf-390	68	17	as	as	ADP
gujaf-390	68	18	risks	risk	NOUN
gujaf-390	68	19	related	relate	VERB
gujaf-390	68	20	to	to	PART
gujaf-390	68	21	share	share	VERB
gujaf-390	68	22	prices	price	NOUN
gujaf-390	68	23	and	and	CCONJ
gujaf-390	68	24	commodity	commodity	NOUN
gujaf-390	68	25	prices	price	NOUN
gujaf-390	68	26	.	.	PUNCT
gujaf-390	69	1	interest	interest	NOUN
gujaf-390	69	2	rate	rate	NOUN
gujaf-390	69	3	risk	risk	NOUN
gujaf-390	69	4	is	be	AUX
gujaf-390	69	5	a	a	DET
gujaf-390	69	6	particular	particular	ADJ
gujaf-390	69	7	concern	concern	NOUN
gujaf-390	69	8	and	and	CCONJ
gujaf-390	69	9	requires	require	VERB
gujaf-390	69	10	ongoing	ongoing	ADJ
gujaf-390	69	11	management	management	NOUN
gujaf-390	69	12	in	in	ADP
gujaf-390	69	13	the	the	DET
gujaf-390	69	14	banking	banking	NOUN
gujaf-390	69	15	sector	sector	NOUN
gujaf-390	69	16	.	.	PUNCT
gujaf-390	70	1	although	although	SCONJ
gujaf-390	70	2	most	most	ADJ
gujaf-390	70	3	banks	bank	NOUN
gujaf-390	70	4	distinguish	distinguish	VERB
gujaf-390	70	5	between	between	ADP
gujaf-390	70	6	their	their	PRON
gujaf-390	70	7	trading	trading	NOUN
gujaf-390	70	8	activities	activity	NOUN
gujaf-390	70	9	and	and	CCONJ
gujaf-390	70	10	their	their	PRON
gujaf-390	70	11	balance	balance	NOUN
gujaf-390	70	12	sheet	sheet	NOUN
gujaf-390	70	13	interest	interest	NOUN
gujaf-390	70	14	rate	rate	NOUN
gujaf-390	70	15	exposure	exposure	NOUN
gujaf-390	70	16	,	,	PUNCT
gujaf-390	70	17	izanju	izanju	PROPN
gujaf-390	70	18	(	(	PUNCT
gujaf-390	70	19	2016	2016	NUM
gujaf-390	70	20	)	)	PUNCT
gujaf-390	70	21	suggested	suggest	VERB
gujaf-390	70	22	that	that	SCONJ
gujaf-390	70	23	large	large	ADJ
gujaf-390	70	24	banks	bank	NOUN
gujaf-390	70	25	with	with	ADP
gujaf-390	70	26	active	active	ADJ
gujaf-390	70	27	trading	trading	NOUN
gujaf-390	70	28	businesses	business	NOUN
gujaf-390	70	29	must	must	AUX
gujaf-390	70	30	invest	invest	VERB
gujaf-390	70	31	in	in	ADP
gujaf-390	70	32	systems	system	NOUN
gujaf-390	70	33	to	to	PART
gujaf-390	70	34	manage	manage	VERB
gujaf-390	70	35	these	these	DET
gujaf-390	70	36	risks	risk	NOUN
gujaf-390	70	37	effectively	effectively	ADV
gujaf-390	70	38	.	.	PUNCT
gujaf-390	71	1	however	however	ADV
gujaf-390	71	2	,	,	PUNCT
gujaf-390	71	3	these	these	DET
gujaf-390	71	4	trading	trading	NOUN
gujaf-390	71	5	risk	risk	NOUN
gujaf-390	71	6	management	management	NOUN
gujaf-390	71	7	systems	system	NOUN
gujaf-390	71	8	often	often	ADV
gujaf-390	71	9	vary	vary	VERB
gujaf-390	71	10	from	from	ADP
gujaf-390	71	11	one	one	NUM
gujaf-390	71	12	bank	bank	NOUN
gujaf-390	71	13	to	to	ADP
gujaf-390	71	14	another	another	PRON
gujaf-390	71	15	and	and	CCONJ
gujaf-390	71	16	may	may	AUX
gujaf-390	71	17	not	not	PART
gujaf-390	71	18	always	always	ADV
gujaf-390	71	19	be	be	AUX
gujaf-390	71	20	as	as	ADV
gujaf-390	71	21	robust	robust	ADJ
gujaf-390	71	22	as	as	SCONJ
gujaf-390	71	23	perceived	perceive	VERB
gujaf-390	71	24	.	.	PUNCT
gujaf-390	72	1	empirical	empirical	ADJ
gujaf-390	72	2	review	review	PROPN
gujaf-390	72	3	kuo	kuo	PROPN
gujaf-390	72	4	and	and	CCONJ
gujaf-390	72	5	enders	ender	NOUN
gujaf-390	72	6	(	(	PUNCT
gujaf-390	72	7	2004	2004	NUM
gujaf-390	72	8	)	)	PUNCT
gujaf-390	72	9	explored	explore	VERB
gujaf-390	72	10	credit	credit	NOUN
gujaf-390	72	11	risk	risk	NOUN
gujaf-390	72	12	management	management	NOUN
gujaf-390	72	13	practices	practice	NOUN
gujaf-390	72	14	among	among	ADP
gujaf-390	72	15	state	state	NOUN
gujaf-390	72	16	banks	bank	NOUN
gujaf-390	72	17	in	in	ADP
gujaf-390	72	18	china	china	PROPN
gujaf-390	72	19	through	through	ADP
gujaf-390	72	20	a	a	DET
gujaf-390	72	21	survey	survey	NOUN
gujaf-390	72	22	method	method	NOUN
gujaf-390	72	23	.	.	PUNCT
gujaf-390	73	1	at	at	ADP
gujaf-390	73	2	a	a	DET
gujaf-390	73	3	10	10	NUM
gujaf-390	73	4	%	%	NOUN
gujaf-390	73	5	significance	significance	NOUN
gujaf-390	73	6	level	level	NOUN
gujaf-390	73	7	,	,	PUNCT
gujaf-390	73	8	they	they	PRON
gujaf-390	73	9	found	find	VERB
gujaf-390	73	10	that	that	SCONJ
gujaf-390	73	11	the	the	DET
gujaf-390	73	12	growing	grow	VERB
gujaf-390	73	13	openness	openness	NOUN
gujaf-390	73	14	of	of	ADP
gujaf-390	73	15	china	china	PROPN
gujaf-390	73	16	's	's	PART
gujaf-390	73	17	financial	financial	ADJ
gujaf-390	73	18	markets	market	NOUN
gujaf-390	73	19	posed	pose	VERB
gujaf-390	73	20	unprecedented	unprecedented	ADJ
gujaf-390	73	21	challenges	challenge	NOUN
gujaf-390	73	22	to	to	ADP
gujaf-390	73	23	state	state	NOUN
gujaf-390	73	24	-	-	PUNCT
gujaf-390	73	25	owned	own	VERB
gujaf-390	73	26	banks	bank	NOUN
gujaf-390	73	27	.	.	PUNCT
gujaf-390	74	1	li	li	PROPN
gujaf-390	74	2	yuqi	yuqi	PROPN
gujaf-390	74	3	(	(	PUNCT
gujaf-390	74	4	2007	2007	NUM
gujaf-390	74	5	)	)	PUNCT
gujaf-390	74	6	analyzed	analyze	VERB
gujaf-390	74	7	factors	factor	NOUN
gujaf-390	74	8	influencing	influence	VERB
gujaf-390	74	9	bank	bank	NOUN
gujaf-390	74	10	profitability	profitability	NOUN
gujaf-390	74	11	and	and	CCONJ
gujaf-390	74	12	their	their	PRON
gujaf-390	74	13	impact	impact	NOUN
gujaf-390	74	14	on	on	ADP
gujaf-390	74	15	risk	risk	NOUN
gujaf-390	74	16	management	management	NOUN
gujaf-390	74	17	in	in	ADP
gujaf-390	74	18	the	the	DET
gujaf-390	74	19	uk	uk	PROPN
gujaf-390	74	20	,	,	PUNCT
gujaf-390	74	21	using	use	VERB
gujaf-390	74	22	regression	regression	NOUN
gujaf-390	74	23	analysis	analysis	NOUN
gujaf-390	74	24	on	on	ADP
gujaf-390	74	25	time	time	NOUN
gujaf-390	74	26	-	-	PUNCT
gujaf-390	74	27	series	series	NOUN
gujaf-390	74	28	data	datum	NOUN
gujaf-390	74	29	from	from	ADP
gujaf-390	74	30	1999	1999	NUM
gujaf-390	74	31	to	to	ADP
gujaf-390	74	32	2006	2006	NUM
gujaf-390	74	33	.	.	PUNCT
gujaf-390	75	1	internal	internal	ADJ
gujaf-390	75	2	factors	factor	NOUN
gujaf-390	75	3	like	like	ADP
gujaf-390	75	4	liquidity	liquidity	NOUN
gujaf-390	75	5	,	,	PUNCT
gujaf-390	75	6	credit	credit	NOUN
gujaf-390	75	7	,	,	PUNCT
gujaf-390	75	8	and	and	CCONJ
gujaf-390	75	9	capital	capital	NOUN
gujaf-390	75	10	,	,	PUNCT
gujaf-390	75	11	along	along	ADP
gujaf-390	75	12	with	with	ADP
gujaf-390	75	13	external	external	ADJ
gujaf-390	75	14	factors	factor	NOUN
gujaf-390	75	15	such	such	ADJ
gujaf-390	75	16	as	as	ADP
gujaf-390	75	17	gdp	gdp	NOUN
gujaf-390	75	18	growth	growth	NOUN
gujaf-390	75	19	,	,	PUNCT
gujaf-390	75	20	interest	interest	NOUN
gujaf-390	75	21	rates	rate	NOUN
gujaf-390	75	22	,	,	PUNCT
gujaf-390	75	23	and	and	CCONJ
gujaf-390	75	24	inflation	inflation	NOUN
gujaf-390	75	25	,	,	PUNCT
gujaf-390	75	26	were	be	AUX
gujaf-390	75	27	considered	consider	VERB
gujaf-390	75	28	.	.	PUNCT
gujaf-390	76	1	ravindra	ravindra	PROPN
gujaf-390	76	2	,	,	PUNCT
gujaf-390	76	3	vyasi	vyasi	NOUN
gujaf-390	76	4	,	,	PUNCT
gujaf-390	76	5	and	and	CCONJ
gujaf-390	76	6	manmeet	manmeet	NOUN
gujaf-390	76	7	(	(	PUNCT
gujaf-390	76	8	2008	2008	NUM
gujaf-390	76	9	)	)	PUNCT
gujaf-390	76	10	studied	study	VERB
gujaf-390	76	11	the	the	DET
gujaf-390	76	12	impact	impact	NOUN
gujaf-390	76	13	of	of	ADP
gujaf-390	76	14	capital	capital	NOUN
gujaf-390	76	15	adequacy	adequacy	NOUN
gujaf-390	76	16	on	on	ADP
gujaf-390	76	17	the	the	DET
gujaf-390	76	18	profitability	profitability	NOUN
gujaf-390	76	19	of	of	ADP
gujaf-390	76	20	indian	indian	ADJ
gujaf-390	76	21	banks	bank	NOUN
gujaf-390	76	22	using	use	VERB
gujaf-390	76	23	panel	panel	NOUN
gujaf-390	76	24	data	datum	NOUN
gujaf-390	76	25	models	model	NOUN
gujaf-390	76	26	,	,	PUNCT
gujaf-390	76	27	finding	find	VERB
gujaf-390	76	28	that	that	SCONJ
gujaf-390	76	29	higher	high	ADJ
gujaf-390	76	30	capital	capital	NOUN
gujaf-390	76	31	adequacy	adequacy	NOUN
gujaf-390	76	32	boosts	boost	VERB
gujaf-390	76	33	profitability	profitability	NOUN
gujaf-390	76	34	.	.	PUNCT
gujaf-390	77	1	hosna	hosna	NOUN
gujaf-390	77	2	et	et	PROPN
gujaf-390	77	3	al	al	PROPN
gujaf-390	77	4	.	.	PROPN
gujaf-390	78	1	(	(	PUNCT
gujaf-390	78	2	2009	2009	NUM
gujaf-390	78	3	)	)	PUNCT
gujaf-390	78	4	also	also	ADV
gujaf-390	78	5	emphasized	emphasize	VERB
gujaf-390	78	6	that	that	SCONJ
gujaf-390	78	7	higher	high	ADJ
gujaf-390	78	8	capital	capital	NOUN
gujaf-390	78	9	requirements	requirement	NOUN
gujaf-390	78	10	positively	positively	ADV
gujaf-390	78	11	influence	influence	VERB
gujaf-390	78	12	bank	bank	NOUN
gujaf-390	78	13	profitability	profitability	NOUN
gujaf-390	78	14	.	.	PUNCT
gujaf-390	79	1	kithinji	kithinji	PROPN
gujaf-390	79	2	(	(	PUNCT
gujaf-390	79	3	2010	2010	NUM
gujaf-390	79	4	)	)	PUNCT
gujaf-390	79	5	assessed	assess	VERB
gujaf-390	79	6	credit	credit	NOUN
gujaf-390	79	7	risk	risk	NOUN
gujaf-390	79	8	management	management	NOUN
gujaf-390	79	9	in	in	ADP
gujaf-390	79	10	kenyan	kenyan	ADJ
gujaf-390	79	11	commercial	commercial	ADJ
gujaf-390	79	12	banks	bank	NOUN
gujaf-390	79	13	,	,	PUNCT
gujaf-390	79	14	revealing	reveal	VERB
gujaf-390	79	15	that	that	SCONJ
gujaf-390	79	16	profits	profit	NOUN
gujaf-390	79	17	were	be	AUX
gujaf-390	79	18	not	not	PART
gujaf-390	79	19	primarily	primarily	ADV
gujaf-390	79	20	affected	affect	VERB
gujaf-390	79	21	by	by	ADP
gujaf-390	79	22	credit	credit	NOUN
gujaf-390	79	23	volume	volume	NOUN
gujaf-390	79	24	or	or	CCONJ
gujaf-390	79	25	non	non	ADJ
gujaf-390	79	26	-	-	ADJ
gujaf-390	79	27	performing	performing	ADJ
gujaf-390	79	28	loans	loan	NOUN
gujaf-390	79	29	,	,	PUNCT
gujaf-390	79	30	suggesting	suggest	VERB
gujaf-390	79	31	other	other	ADJ
gujaf-390	79	32	factors	factor	NOUN
gujaf-390	79	33	play	play	VERB
gujaf-390	79	34	a	a	DET
gujaf-390	79	35	role	role	NOUN
gujaf-390	79	36	.	.	PUNCT
gujaf-390	80	1	nakeba	nakeba	PROPN
gujaf-390	80	2	(	(	PUNCT
gujaf-390	80	3	2010	2010	NUM
gujaf-390	80	4	)	)	PUNCT
gujaf-390	80	5	investigated	investigate	VERB
gujaf-390	80	6	the	the	DET
gujaf-390	80	7	role	role	NOUN
gujaf-390	80	8	of	of	ADP
gujaf-390	80	9	credit	credit	NOUN
gujaf-390	80	10	management	management	NOUN
gujaf-390	80	11	at	at	ADP
gujaf-390	80	12	centenary	centenary	PROPN
gujaf-390	80	13	bank	bank	PROPN
gujaf-390	80	14	,	,	PUNCT
gujaf-390	80	15	uganda	uganda	PROPN
gujaf-390	80	16	.	.	PUNCT
gujaf-390	81	1	the	the	DET
gujaf-390	81	2	findings	finding	NOUN
gujaf-390	81	3	showed	show	VERB
gujaf-390	81	4	that	that	SCONJ
gujaf-390	81	5	strict	strict	ADJ
gujaf-390	81	6	adherence	adherence	NOUN
gujaf-390	81	7	to	to	ADP
gujaf-390	81	8	credit	credit	NOUN
gujaf-390	81	9	procedures	procedure	NOUN
gujaf-390	81	10	and	and	CCONJ
gujaf-390	81	11	active	active	ADJ
gujaf-390	81	12	loan	loan	NOUN
gujaf-390	81	13	committee	committee	NOUN
gujaf-390	81	14	oversight	oversight	NOUN
gujaf-390	81	15	were	be	AUX
gujaf-390	81	16	critical	critical	ADJ
gujaf-390	81	17	for	for	ADP
gujaf-390	81	18	loan	loan	NOUN
gujaf-390	81	19	portfolio	portfolio	NOUN
gujaf-390	81	20	performance	performance	NOUN
gujaf-390	81	21	.	.	PUNCT
gujaf-390	82	1	al	al	PROPN
gujaf-390	82	2	-	-	PUNCT
gujaf-390	82	3	khouri	khouri	PROPN
gujaf-390	82	4	(	(	PUNCT
gujaf-390	82	5	2011	2011	NUM
gujaf-390	82	6	)	)	PUNCT
gujaf-390	82	7	evaluated	evaluate	VERB
gujaf-390	82	8	43	43	NUM
gujaf-390	82	9	commercial	commercial	ADJ
gujaf-390	82	10	banks	bank	NOUN
gujaf-390	82	11	across	across	ADP
gujaf-390	82	12	gulf	gulf	PROPN
gujaf-390	82	13	cooperation	cooperation	NOUN
gujaf-390	82	14	council	council	NOUN
gujaf-390	82	15	countries	country	NOUN
gujaf-390	82	16	,	,	PUNCT
gujaf-390	82	17	concluding	conclude	VERB
gujaf-390	82	18	that	that	DET
gujaf-390	82	19	credit	credit	NOUN
gujaf-390	82	20	,	,	PUNCT
gujaf-390	82	21	liquidity	liquidity	NOUN
gujaf-390	82	22	,	,	PUNCT
gujaf-390	82	23	and	and	CCONJ
gujaf-390	82	24	capital	capital	NOUN
gujaf-390	82	25	risks	risk	NOUN
gujaf-390	82	26	are	be	AUX
gujaf-390	82	27	major	major	ADJ
gujaf-390	82	28	factors	factor	NOUN
gujaf-390	82	29	influencing	influence	VERB
gujaf-390	82	30	roa	roa	NOUN
gujaf-390	82	31	,	,	PUNCT
gujaf-390	82	32	while	while	SCONJ
gujaf-390	82	33	only	only	ADV
gujaf-390	82	34	liquidity	liquidity	NOUN
gujaf-390	82	35	risk	risk	NOUN
gujaf-390	82	36	significantly	significantly	ADV
gujaf-390	82	37	affected	affect	VERB
gujaf-390	82	38	roe	roe	NOUN
gujaf-390	82	39	.	.	PUNCT
gujaf-390	83	1	gusau	gusau	PROPN
gujaf-390	83	2	journal	journal	PROPN
gujaf-390	83	3	of	of	ADP
gujaf-390	83	4	accounting	accounting	NOUN
gujaf-390	83	5	and	and	CCONJ
gujaf-390	83	6	finance	finance	NOUN
gujaf-390	83	7	,	,	PUNCT
gujaf-390	83	8	vol.6	vol.6	PROPN
gujaf-390	83	9	,	,	PUNCT
gujaf-390	83	10	issue	issue	NOUN
gujaf-390	83	11	1	1	NUM
gujaf-390	83	12	,	,	PUNCT
gujaf-390	83	13	april	april	PROPN
gujaf-390	83	14	,	,	PUNCT
gujaf-390	83	15	2025	2025	NUM
gujaf-390	83	16	365	365	NUM
gujaf-390	83	17	aduda	aduda	NOUN
gujaf-390	83	18	and	and	CCONJ
gujaf-390	83	19	gitonga	gitonga	PROPN
gujaf-390	83	20	(	(	PUNCT
gujaf-390	83	21	2011	2011	NUM
gujaf-390	83	22	)	)	PUNCT
gujaf-390	83	23	linked	link	VERB
gujaf-390	83	24	credit	credit	NOUN
gujaf-390	83	25	risk	risk	NOUN
gujaf-390	83	26	management	management	NOUN
gujaf-390	83	27	to	to	ADP
gujaf-390	83	28	profitability	profitability	NOUN
gujaf-390	83	29	among	among	ADP
gujaf-390	83	30	kenyan	kenyan	ADJ
gujaf-390	83	31	banks	bank	NOUN
gujaf-390	83	32	using	use	VERB
gujaf-390	83	33	regression	regression	NOUN
gujaf-390	83	34	analysis	analysis	NOUN
gujaf-390	83	35	,	,	PUNCT
gujaf-390	83	36	finding	find	VERB
gujaf-390	83	37	a	a	DET
gujaf-390	83	38	significant	significant	ADJ
gujaf-390	83	39	relationship	relationship	NOUN
gujaf-390	83	40	at	at	ADP
gujaf-390	83	41	the	the	DET
gujaf-390	83	42	5	5	NUM
gujaf-390	83	43	%	%	NOUN
gujaf-390	83	44	level	level	NOUN
gujaf-390	83	45	.	.	PUNCT
gujaf-390	84	1	mekasha	mekasha	PROPN
gujaf-390	84	2	(	(	PUNCT
gujaf-390	84	3	2011	2011	NUM
gujaf-390	84	4	)	)	PUNCT
gujaf-390	84	5	similarly	similarly	ADV
gujaf-390	84	6	found	find	VERB
gujaf-390	84	7	a	a	DET
gujaf-390	84	8	negative	negative	ADJ
gujaf-390	84	9	relationship	relationship	NOUN
gujaf-390	84	10	between	between	ADP
gujaf-390	84	11	credit	credit	NOUN
gujaf-390	84	12	risk	risk	NOUN
gujaf-390	84	13	and	and	CCONJ
gujaf-390	84	14	bank	bank	NOUN
gujaf-390	84	15	performance	performance	NOUN
gujaf-390	84	16	in	in	ADP
gujaf-390	84	17	ethiopia	ethiopia	PROPN
gujaf-390	84	18	using	use	VERB
gujaf-390	84	19	secondary	secondary	ADJ
gujaf-390	84	20	and	and	CCONJ
gujaf-390	84	21	primary	primary	ADJ
gujaf-390	84	22	data	datum	NOUN
gujaf-390	84	23	.	.	PUNCT
gujaf-390	85	1	almazari	almazari	PROPN
gujaf-390	85	2	(	(	PUNCT
gujaf-390	85	3	2011	2011	NUM
gujaf-390	85	4	)	)	PUNCT
gujaf-390	85	5	studied	study	VERB
gujaf-390	85	6	seven	seven	NUM
gujaf-390	85	7	jordanian	jordanian	ADJ
gujaf-390	85	8	banks	bank	NOUN
gujaf-390	85	9	and	and	CCONJ
gujaf-390	85	10	found	find	VERB
gujaf-390	85	11	roa	roa	PROPN
gujaf-390	85	12	had	have	VERB
gujaf-390	85	13	a	a	DET
gujaf-390	85	14	strong	strong	ADJ
gujaf-390	85	15	negative	negative	ADJ
gujaf-390	85	16	correlation	correlation	NOUN
gujaf-390	85	17	with	with	ADP
gujaf-390	85	18	bank	bank	NOUN
gujaf-390	85	19	size	size	NOUN
gujaf-390	85	20	and	and	CCONJ
gujaf-390	85	21	a	a	DET
gujaf-390	85	22	strong	strong	ADJ
gujaf-390	85	23	positive	positive	ADJ
gujaf-390	85	24	correlation	correlation	NOUN
gujaf-390	85	25	with	with	ADP
gujaf-390	85	26	asset	asset	NOUN
gujaf-390	85	27	management	management	NOUN
gujaf-390	85	28	efficiency	efficiency	NOUN
gujaf-390	85	29	.	.	PUNCT
gujaf-390	86	1	epure	epure	NOUN
gujaf-390	86	2	and	and	CCONJ
gujaf-390	86	3	lafuente	lafuente	NOUN
gujaf-390	86	4	(	(	PUNCT
gujaf-390	86	5	2012	2012	NUM
gujaf-390	86	6	)	)	PUNCT
gujaf-390	86	7	investigated	investigate	VERB
gujaf-390	86	8	costa	costa	ADJ
gujaf-390	86	9	rican	rican	ADJ
gujaf-390	86	10	banks	bank	NOUN
gujaf-390	86	11	,	,	PUNCT
gujaf-390	86	12	concluding	conclude	VERB
gujaf-390	86	13	that	that	SCONJ
gujaf-390	86	14	regulatory	regulatory	ADJ
gujaf-390	86	15	changes	change	NOUN
gujaf-390	86	16	improved	improve	VERB
gujaf-390	86	17	performance	performance	NOUN
gujaf-390	86	18	,	,	PUNCT
gujaf-390	86	19	while	while	SCONJ
gujaf-390	86	20	non	non	ADJ
gujaf-390	86	21	-	-	ADJ
gujaf-390	86	22	performing	performing	ADJ
gujaf-390	86	23	loans	loan	NOUN
gujaf-390	86	24	negatively	negatively	ADV
gujaf-390	86	25	impacted	impact	VERB
gujaf-390	86	26	efficiency	efficiency	NOUN
gujaf-390	86	27	and	and	CCONJ
gujaf-390	86	28	roa	roa	PROPN
gujaf-390	86	29	.	.	PUNCT
gujaf-390	87	1	poudel	poudel	PROPN
gujaf-390	87	2	(	(	PUNCT
gujaf-390	87	3	2012	2012	NUM
gujaf-390	87	4	)	)	PUNCT
gujaf-390	87	5	analyzed	analyze	VERB
gujaf-390	87	6	nepalese	nepalese	ADJ
gujaf-390	87	7	banks	bank	NOUN
gujaf-390	87	8	and	and	CCONJ
gujaf-390	87	9	found	find	VERB
gujaf-390	87	10	default	default	NOUN
gujaf-390	87	11	rate	rate	NOUN
gujaf-390	87	12	,	,	PUNCT
gujaf-390	87	13	cost	cost	NOUN
gujaf-390	87	14	per	per	ADP
gujaf-390	87	15	loan	loan	NOUN
gujaf-390	87	16	asset	asset	NOUN
gujaf-390	87	17	,	,	PUNCT
gujaf-390	87	18	and	and	CCONJ
gujaf-390	87	19	capital	capital	NOUN
gujaf-390	87	20	adequacy	adequacy	NOUN
gujaf-390	87	21	negatively	negatively	ADV
gujaf-390	87	22	impacted	impact	VERB
gujaf-390	87	23	performance	performance	NOUN
gujaf-390	87	24	,	,	PUNCT
gujaf-390	87	25	with	with	ADP
gujaf-390	87	26	default	default	NOUN
gujaf-390	87	27	rate	rate	NOUN
gujaf-390	87	28	being	be	AUX
gujaf-390	87	29	the	the	DET
gujaf-390	87	30	most	most	ADV
gujaf-390	87	31	influential	influential	ADJ
gujaf-390	87	32	.	.	PUNCT
gujaf-390	88	1	afriyie	afriyie	ADV
gujaf-390	88	2	and	and	CCONJ
gujaf-390	88	3	akotey	akotey	PROPN
gujaf-390	88	4	(	(	PUNCT
gujaf-390	88	5	2012	2012	NUM
gujaf-390	88	6	)	)	PUNCT
gujaf-390	88	7	studied	study	VERB
gujaf-390	88	8	rural	rural	ADJ
gujaf-390	88	9	banks	bank	NOUN
gujaf-390	88	10	in	in	ADP
gujaf-390	88	11	ghana	ghana	PROPN
gujaf-390	88	12	,	,	PUNCT
gujaf-390	88	13	finding	find	VERB
gujaf-390	88	14	that	that	SCONJ
gujaf-390	88	15	higher	high	ADJ
gujaf-390	88	16	non	non	ADJ
gujaf-390	88	17	-	-	ADJ
gujaf-390	88	18	performing	performing	ADJ
gujaf-390	88	19	loans	loan	NOUN
gujaf-390	88	20	still	still	ADV
gujaf-390	88	21	coincided	coincide	VERB
gujaf-390	88	22	with	with	ADP
gujaf-390	88	23	profitability	profitability	NOUN
gujaf-390	88	24	.	.	PUNCT
gujaf-390	89	1	boahene	boahene	NOUN
gujaf-390	89	2	et	et	PROPN
gujaf-390	89	3	al	al	PROPN
gujaf-390	89	4	.	.	PROPN
gujaf-390	90	1	(	(	PUNCT
gujaf-390	90	2	2012	2012	NUM
gujaf-390	90	3	)	)	PUNCT
gujaf-390	90	4	also	also	ADV
gujaf-390	90	5	observed	observe	VERB
gujaf-390	90	6	a	a	DET
gujaf-390	90	7	positive	positive	ADJ
gujaf-390	90	8	relationship	relationship	NOUN
gujaf-390	90	9	between	between	ADP
gujaf-390	90	10	credit	credit	NOUN
gujaf-390	90	11	risk	risk	NOUN
gujaf-390	90	12	and	and	CCONJ
gujaf-390	90	13	profitability	profitability	NOUN
gujaf-390	90	14	in	in	ADP
gujaf-390	90	15	ghanaian	ghanaian	ADJ
gujaf-390	90	16	banks	bank	NOUN
gujaf-390	90	17	.	.	PUNCT
gujaf-390	91	1	raad	raad	PROPN
gujaf-390	91	2	(	(	PUNCT
gujaf-390	91	3	2015	2015	NUM
gujaf-390	91	4	)	)	PUNCT
gujaf-390	91	5	found	find	VERB
gujaf-390	91	6	a	a	DET
gujaf-390	91	7	strong	strong	ADJ
gujaf-390	91	8	positive	positive	ADJ
gujaf-390	91	9	relationship	relationship	NOUN
gujaf-390	91	10	between	between	ADP
gujaf-390	91	11	roa	roa	PROPN
gujaf-390	91	12	and	and	CCONJ
gujaf-390	91	13	non	non	ADJ
gujaf-390	91	14	-	-	ADJ
gujaf-390	91	15	performing	performing	ADJ
gujaf-390	91	16	loans	loan	NOUN
gujaf-390	91	17	,	,	PUNCT
gujaf-390	91	18	loan	loan	NOUN
gujaf-390	91	19	loss	loss	NOUN
gujaf-390	91	20	provisions	provision	NOUN
gujaf-390	91	21	,	,	PUNCT
gujaf-390	91	22	and	and	CCONJ
gujaf-390	91	23	capital	capital	NOUN
gujaf-390	91	24	adequacy	adequacy	NOUN
gujaf-390	91	25	ratio	ratio	NOUN
gujaf-390	91	26	in	in	ADP
gujaf-390	91	27	bangladesh	bangladesh	PROPN
gujaf-390	91	28	.	.	PUNCT
gujaf-390	92	1	haron	haron	PROPN
gujaf-390	92	2	et	et	PROPN
gujaf-390	92	3	al	al	PROPN
gujaf-390	92	4	.	.	PROPN
gujaf-390	93	1	(	(	PUNCT
gujaf-390	93	2	2012	2012	NUM
gujaf-390	93	3	)	)	PUNCT
gujaf-390	93	4	studied	study	VERB
gujaf-390	93	5	microfinance	microfinance	NOUN
gujaf-390	93	6	institutions	institution	NOUN
gujaf-390	93	7	in	in	ADP
gujaf-390	93	8	kenya	kenya	PROPN
gujaf-390	93	9	,	,	PUNCT
gujaf-390	93	10	finding	find	VERB
gujaf-390	93	11	interest	interest	NOUN
gujaf-390	93	12	rates	rate	NOUN
gujaf-390	93	13	and	and	CCONJ
gujaf-390	93	14	client	client	NOUN
gujaf-390	93	15	appraisal	appraisal	NOUN
gujaf-390	93	16	significantly	significantly	ADV
gujaf-390	93	17	influenced	influence	VERB
gujaf-390	93	18	loan	loan	NOUN
gujaf-390	93	19	performance	performance	NOUN
gujaf-390	93	20	.	.	PUNCT
gujaf-390	94	1	devinaga	devinaga	NOUN
gujaf-390	94	2	et	et	PROPN
gujaf-390	94	3	al	al	PROPN
gujaf-390	94	4	.	.	PROPN
gujaf-390	95	1	(	(	PUNCT
gujaf-390	95	2	2012	2012	NUM
gujaf-390	95	3	)	)	PUNCT
gujaf-390	95	4	analyzed	analyze	VERB
gujaf-390	95	5	malaysian	malaysian	ADJ
gujaf-390	95	6	banks	bank	NOUN
gujaf-390	95	7	,	,	PUNCT
gujaf-390	95	8	showing	show	VERB
gujaf-390	95	9	volatility	volatility	NOUN
gujaf-390	95	10	significantly	significantly	ADV
gujaf-390	95	11	affected	affect	VERB
gujaf-390	95	12	risk	risk	NOUN
gujaf-390	95	13	-	-	PUNCT
gujaf-390	95	14	adjusted	adjust	VERB
gujaf-390	95	15	returns	return	NOUN
gujaf-390	95	16	.	.	PUNCT
gujaf-390	96	1	gizaw	gizaw	PROPN
gujaf-390	96	2	et	et	PROPN
gujaf-390	96	3	al	al	PROPN
gujaf-390	96	4	.	.	PROPN
gujaf-390	97	1	(	(	PUNCT
gujaf-390	97	2	2015	2015	NUM
gujaf-390	97	3	)	)	PUNCT
gujaf-390	97	4	found	find	VERB
gujaf-390	97	5	credit	credit	NOUN
gujaf-390	97	6	risk	risk	NOUN
gujaf-390	97	7	indicators	indicator	NOUN
gujaf-390	97	8	significantly	significantly	ADV
gujaf-390	97	9	affected	affect	VERB
gujaf-390	97	10	profitability	profitability	NOUN
gujaf-390	97	11	in	in	ADP
gujaf-390	97	12	ethiopian	ethiopian	ADJ
gujaf-390	97	13	banks	bank	NOUN
gujaf-390	97	14	.	.	PUNCT
gujaf-390	98	1	felix	felix	PROPN
gujaf-390	98	2	and	and	CCONJ
gujaf-390	98	3	claudine	claudine	PROPN
gujaf-390	98	4	(	(	PUNCT
gujaf-390	98	5	2008	2008	NUM
gujaf-390	98	6	)	)	PUNCT
gujaf-390	98	7	concluded	conclude	VERB
gujaf-390	98	8	that	that	SCONJ
gujaf-390	98	9	non	non	ADJ
gujaf-390	98	10	-	-	ADJ
gujaf-390	98	11	performing	performing	ADJ
gujaf-390	98	12	loans	loan	NOUN
gujaf-390	98	13	reduce	reduce	VERB
gujaf-390	98	14	roa	roa	PROPN
gujaf-390	98	15	and	and	CCONJ
gujaf-390	98	16	roe	roe	PROPN
gujaf-390	98	17	.	.	PUNCT
gujaf-390	99	1	kargi	kargi	PROPN
gujaf-390	99	2	(	(	PUNCT
gujaf-390	99	3	2011	2011	NUM
gujaf-390	99	4	)	)	PUNCT
gujaf-390	99	5	confirmed	confirm	VERB
gujaf-390	99	6	that	that	SCONJ
gujaf-390	99	7	poor	poor	ADJ
gujaf-390	99	8	credit	credit	NOUN
gujaf-390	99	9	risk	risk	NOUN
gujaf-390	99	10	management	management	NOUN
gujaf-390	99	11	harms	harm	VERB
gujaf-390	99	12	nigerian	nigerian	ADJ
gujaf-390	99	13	banks	bank	NOUN
gujaf-390	99	14	’	'	PUNCT
gujaf-390	99	15	profitability	profitability	NOUN
gujaf-390	99	16	.	.	PUNCT
gujaf-390	100	1	muhammed	muhamme	VERB
gujaf-390	100	2	et	et	PROPN
gujaf-390	100	3	al	al	PROPN
gujaf-390	100	4	.	.	PROPN
gujaf-390	101	1	(	(	PUNCT
gujaf-390	101	2	2012	2012	NUM
gujaf-390	101	3	)	)	PUNCT
gujaf-390	101	4	found	find	VERB
gujaf-390	101	5	significant	significant	ADJ
gujaf-390	101	6	negative	negative	ADJ
gujaf-390	101	7	impacts	impact	NOUN
gujaf-390	101	8	of	of	ADP
gujaf-390	101	9	credit	credit	NOUN
gujaf-390	101	10	risk	risk	NOUN
gujaf-390	101	11	on	on	ADP
gujaf-390	101	12	nigerian	nigerian	ADJ
gujaf-390	101	13	banks	bank	NOUN
gujaf-390	101	14	’	'	PUNCT
gujaf-390	101	15	profitability	profitability	NOUN
gujaf-390	101	16	.	.	PUNCT
gujaf-390	102	1	kolapo	kolapo	PROPN
gujaf-390	102	2	et	et	PROPN
gujaf-390	102	3	al	al	PROPN
gujaf-390	102	4	.	.	PROPN
gujaf-390	103	1	(	(	PUNCT
gujaf-390	103	2	2012	2012	NUM
gujaf-390	103	3	)	)	PUNCT
gujaf-390	103	4	showed	show	VERB
gujaf-390	103	5	that	that	SCONJ
gujaf-390	103	6	credit	credit	NOUN
gujaf-390	103	7	risk	risk	NOUN
gujaf-390	103	8	consistently	consistently	ADV
gujaf-390	103	9	affects	affect	VERB
gujaf-390	103	10	nigerian	nigerian	ADJ
gujaf-390	103	11	banks	bank	NOUN
gujaf-390	103	12	,	,	PUNCT
gujaf-390	103	13	with	with	ADP
gujaf-390	103	14	non	non	ADJ
gujaf-390	103	15	-	-	ADJ
gujaf-390	103	16	performing	performing	ADJ
gujaf-390	103	17	loans	loan	NOUN
gujaf-390	103	18	lowering	lower	VERB
gujaf-390	103	19	roa	roa	PROPN
gujaf-390	103	20	.	.	PUNCT
gujaf-390	104	1	abayomi	abayomi	NOUN
gujaf-390	104	2	and	and	CCONJ
gujaf-390	104	3	oyediji	oyediji	PROPN
gujaf-390	104	4	(	(	PUNCT
gujaf-390	104	5	2012	2012	NUM
gujaf-390	104	6	)	)	PUNCT
gujaf-390	104	7	linked	link	VERB
gujaf-390	104	8	effective	effective	ADJ
gujaf-390	104	9	credit	credit	NOUN
gujaf-390	104	10	risk	risk	NOUN
gujaf-390	104	11	management	management	NOUN
gujaf-390	104	12	to	to	PART
gujaf-390	104	13	shareholder	shareholder	VERB
gujaf-390	104	14	wealth	wealth	NOUN
gujaf-390	104	15	in	in	ADP
gujaf-390	104	16	nigerian	nigerian	ADJ
gujaf-390	104	17	banks	bank	NOUN
gujaf-390	104	18	.	.	PUNCT
gujaf-390	105	1	abdullahi	abdullahi	PROPN
gujaf-390	105	2	(	(	PUNCT
gujaf-390	105	3	2013	2013	NUM
gujaf-390	105	4	)	)	PUNCT
gujaf-390	105	5	found	find	VERB
gujaf-390	105	6	that	that	SCONJ
gujaf-390	105	7	nonperforming	nonperforme	VERB
gujaf-390	105	8	loans	loan	NOUN
gujaf-390	105	9	positively	positively	ADV
gujaf-390	105	10	influenced	influence	VERB
gujaf-390	105	11	profitability	profitability	NOUN
gujaf-390	105	12	at	at	ADP
gujaf-390	105	13	union	union	PROPN
gujaf-390	105	14	bank	bank	PROPN
gujaf-390	105	15	.	.	PUNCT
gujaf-390	106	1	taiwo	taiwo	NOUN
gujaf-390	106	2	and	and	CCONJ
gujaf-390	106	3	abayomi	abayomi	NOUN
gujaf-390	106	4	(	(	PUNCT
gujaf-390	106	5	2013	2013	NUM
gujaf-390	106	6	)	)	PUNCT
gujaf-390	106	7	found	find	VERB
gujaf-390	106	8	a	a	DET
gujaf-390	106	9	significant	significant	ADJ
gujaf-390	106	10	relationship	relationship	NOUN
gujaf-390	106	11	between	between	ADP
gujaf-390	106	12	gdp	gdp	NOUN
gujaf-390	106	13	and	and	CCONJ
gujaf-390	106	14	non	non	ADJ
gujaf-390	106	15	-	-	ADJ
gujaf-390	106	16	performing	performing	ADJ
gujaf-390	106	17	loans	loan	NOUN
gujaf-390	106	18	.	.	PUNCT
gujaf-390	107	1	asikhia	asikhia	NOUN
gujaf-390	107	2	and	and	CCONJ
gujaf-390	107	3	sokefun	sokefun	NOUN
gujaf-390	107	4	(	(	PUNCT
gujaf-390	107	5	2013	2013	NUM
gujaf-390	107	6	)	)	PUNCT
gujaf-390	107	7	showed	show	VERB
gujaf-390	107	8	a	a	DET
gujaf-390	107	9	positive	positive	ADJ
gujaf-390	107	10	relationship	relationship	NOUN
gujaf-390	107	11	between	between	ADP
gujaf-390	107	12	capital	capital	NOUN
gujaf-390	107	13	adequacy	adequacy	NOUN
gujaf-390	107	14	and	and	CCONJ
gujaf-390	107	15	profitability	profitability	NOUN
gujaf-390	107	16	.	.	PUNCT
gujaf-390	108	1	ogbo	ogbo	PROPN
gujaf-390	108	2	and	and	CCONJ
gujaf-390	108	3	unuafe	unuafe	ADJ
gujaf-390	108	4	(	(	PUNCT
gujaf-390	108	5	2013	2013	NUM
gujaf-390	108	6	)	)	PUNCT
gujaf-390	108	7	highlighted	highlight	VERB
gujaf-390	108	8	that	that	SCONJ
gujaf-390	108	9	capital	capital	NOUN
gujaf-390	108	10	adequacy	adequacy	NOUN
gujaf-390	108	11	and	and	CCONJ
gujaf-390	108	12	liquidity	liquidity	NOUN
gujaf-390	108	13	ratios	ratio	NOUN
gujaf-390	108	14	positively	positively	ADV
gujaf-390	108	15	affect	affect	VERB
gujaf-390	108	16	bank	bank	NOUN
gujaf-390	108	17	performance	performance	NOUN
gujaf-390	108	18	,	,	PUNCT
gujaf-390	108	19	while	while	SCONJ
gujaf-390	108	20	loans	loan	NOUN
gujaf-390	108	21	and	and	CCONJ
gujaf-390	108	22	advances	advance	NOUN
gujaf-390	108	23	have	have	VERB
gujaf-390	108	24	a	a	DET
gujaf-390	108	25	negative	negative	ADJ
gujaf-390	108	26	impact	impact	NOUN
gujaf-390	108	27	.	.	PUNCT
gujaf-390	109	1	adeusi	adeusi	PROPN
gujaf-390	109	2	et	et	PROPN
gujaf-390	109	3	al	al	PROPN
gujaf-390	109	4	.	.	PROPN
gujaf-390	110	1	(	(	PUNCT
gujaf-390	110	2	2013	2013	NUM
gujaf-390	110	3	)	)	PUNCT
gujaf-390	110	4	showed	show	VERB
gujaf-390	110	5	an	an	DET
gujaf-390	110	6	inverse	inverse	NOUN
gujaf-390	110	7	relationship	relationship	NOUN
gujaf-390	110	8	between	between	ADP
gujaf-390	110	9	doubtful	doubtful	ADJ
gujaf-390	110	10	loans	loan	NOUN
gujaf-390	110	11	and	and	CCONJ
gujaf-390	110	12	financial	financial	ADJ
gujaf-390	110	13	performance	performance	NOUN
gujaf-390	110	14	,	,	PUNCT
gujaf-390	110	15	recommending	recommend	VERB
gujaf-390	110	16	prudent	prudent	ADJ
gujaf-390	110	17	risk	risk	NOUN
gujaf-390	110	18	management	management	NOUN
gujaf-390	110	19	.	.	PUNCT
gujaf-390	111	1	ejoh	ejoh	PROPN
gujaf-390	111	2	,	,	PUNCT
gujaf-390	111	3	okpa	okpa	ADJ
gujaf-390	111	4	,	,	PUNCT
gujaf-390	111	5	and	and	CCONJ
gujaf-390	111	6	egbe	egbe	PROPN
gujaf-390	111	7	(	(	PUNCT
gujaf-390	111	8	2014	2014	NUM
gujaf-390	111	9	)	)	PUNCT
gujaf-390	111	10	also	also	ADV
gujaf-390	111	11	found	find	VERB
gujaf-390	111	12	significant	significant	ADJ
gujaf-390	111	13	relationships	relationship	NOUN
gujaf-390	111	14	between	between	ADP
gujaf-390	111	15	credit	credit	NOUN
gujaf-390	111	16	management	management	NOUN
gujaf-390	111	17	,	,	PUNCT
gujaf-390	111	18	liquidity	liquidity	NOUN
gujaf-390	111	19	,	,	PUNCT
gujaf-390	111	20	and	and	CCONJ
gujaf-390	111	21	profitability	profitability	NOUN
gujaf-390	111	22	.	.	PUNCT
gujaf-390	112	1	alalade	alalade	PROPN
gujaf-390	112	2	et	et	PROPN
gujaf-390	112	3	al	al	PROPN
gujaf-390	112	4	.	.	PROPN
gujaf-390	113	1	(	(	PUNCT
gujaf-390	113	2	2014	2014	NUM
gujaf-390	113	3	)	)	PUNCT
gujaf-390	113	4	demonstrated	demonstrate	VERB
gujaf-390	113	5	that	that	SCONJ
gujaf-390	113	6	effective	effective	ADJ
gujaf-390	113	7	credit	credit	NOUN
gujaf-390	113	8	risk	risk	NOUN
gujaf-390	113	9	management	management	NOUN
gujaf-390	113	10	significantly	significantly	ADV
gujaf-390	113	11	enhances	enhance	VERB
gujaf-390	113	12	profitability	profitability	NOUN
gujaf-390	113	13	in	in	ADP
gujaf-390	113	14	lagos	lagos	NOUN
gujaf-390	113	15	banks	bank	NOUN
gujaf-390	113	16	.	.	PUNCT
gujaf-390	114	1	iwedi	iwedi	NOUN
gujaf-390	114	2	and	and	CCONJ
gujaf-390	114	3	onuegu	onuegu	NOUN
gujaf-390	114	4	(	(	PUNCT
gujaf-390	114	5	2014	2014	NUM
gujaf-390	114	6	)	)	PUNCT
gujaf-390	114	7	found	find	VERB
gujaf-390	114	8	that	that	SCONJ
gujaf-390	114	9	non	non	ADJ
gujaf-390	114	10	-	-	ADJ
gujaf-390	114	11	performing	performing	ADJ
gujaf-390	114	12	loans	loan	NOUN
gujaf-390	114	13	had	have	VERB
gujaf-390	114	14	a	a	DET
gujaf-390	114	15	minimal	minimal	ADJ
gujaf-390	114	16	negative	negative	ADJ
gujaf-390	114	17	effect	effect	NOUN
gujaf-390	114	18	,	,	PUNCT
gujaf-390	114	19	while	while	SCONJ
gujaf-390	114	20	increased	increase	VERB
gujaf-390	114	21	loans	loan	NOUN
gujaf-390	114	22	and	and	CCONJ
gujaf-390	114	23	advances	advance	NOUN
gujaf-390	114	24	improved	improve	VERB
gujaf-390	114	25	bank	bank	NOUN
gujaf-390	114	26	performance	performance	NOUN
gujaf-390	114	27	.	.	PUNCT
gujaf-390	115	1	in	in	ADP
gujaf-390	115	2	nigeria	nigeria	PROPN
gujaf-390	115	3	,	,	PUNCT
gujaf-390	115	4	imeh	imeh	VERB
gujaf-390	115	5	et	et	PROPN
gujaf-390	115	6	al	al	PROPN
gujaf-390	115	7	.	.	PROPN
gujaf-390	116	1	(	(	PUNCT
gujaf-390	116	2	2025	2025	NUM
gujaf-390	116	3	)	)	PUNCT
gujaf-390	116	4	found	find	VERB
gujaf-390	116	5	a	a	DET
gujaf-390	116	6	significant	significant	ADJ
gujaf-390	116	7	relationship	relationship	NOUN
gujaf-390	116	8	between	between	ADP
gujaf-390	116	9	credit	credit	NOUN
gujaf-390	116	10	risk	risk	NOUN
gujaf-390	116	11	management	management	NOUN
gujaf-390	116	12	practices	practice	NOUN
gujaf-390	116	13	and	and	CCONJ
gujaf-390	116	14	the	the	DET
gujaf-390	116	15	profitability	profitability	NOUN
gujaf-390	116	16	of	of	ADP
gujaf-390	116	17	listed	list	VERB
gujaf-390	116	18	banks	bank	NOUN
gujaf-390	116	19	,	,	PUNCT
gujaf-390	116	20	emphasizing	emphasize	VERB
gujaf-390	116	21	that	that	SCONJ
gujaf-390	116	22	effective	effective	ADJ
gujaf-390	116	23	strategies	strategy	NOUN
gujaf-390	116	24	can	can	AUX
gujaf-390	116	25	substantially	substantially	ADV
gujaf-390	116	26	improve	improve	VERB
gujaf-390	116	27	financial	financial	ADJ
gujaf-390	116	28	performance	performance	NOUN
gujaf-390	116	29	.	.	PUNCT
gujaf-390	117	1	similarly	similarly	ADV
gujaf-390	117	2	,	,	PUNCT
gujaf-390	117	3	natufe	natufe	NOUN
gujaf-390	117	4	and	and	CCONJ
gujaf-390	117	5	evbayiro	evbayiro	NOUN
gujaf-390	117	6	-	-	PUNCT
gujaf-390	117	7	osagie	osagie	NOUN
gujaf-390	117	8	(	(	PUNCT
gujaf-390	117	9	2023	2023	NUM
gujaf-390	117	10	)	)	PUNCT
gujaf-390	117	11	identified	identify	VERB
gujaf-390	117	12	capital	capital	NOUN
gujaf-390	117	13	adequacy	adequacy	NOUN
gujaf-390	117	14	,	,	PUNCT
gujaf-390	117	15	risk	risk	NOUN
gujaf-390	117	16	asset	asset	NOUN
gujaf-390	117	17	ratios	ratio	NOUN
gujaf-390	117	18	,	,	PUNCT
gujaf-390	117	19	non	non	ADJ
gujaf-390	117	20	-	-	ADJ
gujaf-390	117	21	performing	performing	ADJ
gujaf-390	117	22	loans	loan	NOUN
gujaf-390	117	23	,	,	PUNCT
gujaf-390	117	24	and	and	CCONJ
gujaf-390	117	25	bank	bank	NOUN
gujaf-390	117	26	size	size	NOUN
gujaf-390	117	27	as	as	ADP
gujaf-390	117	28	major	major	ADJ
gujaf-390	117	29	drivers	driver	NOUN
gujaf-390	117	30	of	of	ADP
gujaf-390	117	31	return	return	NOUN
gujaf-390	117	32	on	on	ADP
gujaf-390	117	33	equity	equity	NOUN
gujaf-390	117	34	in	in	ADP
gujaf-390	117	35	nigerian	nigerian	ADJ
gujaf-390	117	36	banks	bank	NOUN
gujaf-390	117	37	,	,	PUNCT
gujaf-390	117	38	highlighting	highlight	VERB
gujaf-390	117	39	concerns	concern	NOUN
gujaf-390	117	40	about	about	ADP
gujaf-390	117	41	reliance	reliance	NOUN
gujaf-390	117	42	on	on	ADP
gujaf-390	117	43	offshore	offshore	ADJ
gujaf-390	117	44	borrowing	borrowing	NOUN
gujaf-390	117	45	.	.	PUNCT
gujaf-390	118	1	meanwhile	meanwhile	ADV
gujaf-390	118	2	,	,	PUNCT
gujaf-390	118	3	odume	odume	PROPN
gujaf-390	118	4	et	et	PROPN
gujaf-390	118	5	al	al	PROPN
gujaf-390	118	6	.	.	PROPN
gujaf-390	119	1	(	(	PUNCT
gujaf-390	119	2	2023	2023	NUM
gujaf-390	119	3	)	)	PUNCT
gujaf-390	119	4	observed	observe	VERB
gujaf-390	119	5	that	that	SCONJ
gujaf-390	119	6	while	while	SCONJ
gujaf-390	119	7	the	the	DET
gujaf-390	119	8	loan	loan	NOUN
gujaf-390	119	9	impairment	impairment	NOUN
gujaf-390	119	10	ratio	ratio	NOUN
gujaf-390	119	11	had	have	VERB
gujaf-390	119	12	a	a	DET
gujaf-390	119	13	slightly	slightly	ADV
gujaf-390	119	14	positive	positive	ADJ
gujaf-390	119	15	(	(	PUNCT
gujaf-390	119	16	but	but	CCONJ
gujaf-390	119	17	not	not	PART
gujaf-390	119	18	statistically	statistically	ADV
gujaf-390	119	19	significant	significant	ADJ
gujaf-390	119	20	)	)	PUNCT
gujaf-390	119	21	effect	effect	NOUN
gujaf-390	119	22	,	,	PUNCT
gujaf-390	119	23	capital	capital	NOUN
gujaf-390	119	24	adequacy	adequacy	NOUN
gujaf-390	119	25	surprisingly	surprisingly	ADV
gujaf-390	119	26	showed	show	VERB
gujaf-390	119	27	a	a	DET
gujaf-390	119	28	gusau	gusau	ADJ
gujaf-390	119	29	journal	journal	NOUN
gujaf-390	119	30	of	of	ADP
gujaf-390	119	31	accounting	accounting	NOUN
gujaf-390	119	32	and	and	CCONJ
gujaf-390	119	33	finance	finance	NOUN
gujaf-390	119	34	,	,	PUNCT
gujaf-390	119	35	vol.6	vol.6	PROPN
gujaf-390	119	36	,	,	PUNCT
gujaf-390	119	37	issue	issue	NOUN
gujaf-390	119	38	1	1	NUM
gujaf-390	119	39	,	,	PUNCT
gujaf-390	119	40	april	april	PROPN
gujaf-390	119	41	,	,	PUNCT
gujaf-390	119	42	2025	2025	NUM
gujaf-390	119	43	366	366	NUM
gujaf-390	119	44	negative	negative	ADJ
gujaf-390	119	45	relationship	relationship	NOUN
gujaf-390	119	46	with	with	ADP
gujaf-390	119	47	return	return	NOUN
gujaf-390	119	48	on	on	ADP
gujaf-390	119	49	capital	capital	NOUN
gujaf-390	119	50	employed	employ	VERB
gujaf-390	119	51	,	,	PUNCT
gujaf-390	119	52	suggesting	suggest	VERB
gujaf-390	119	53	a	a	DET
gujaf-390	119	54	need	need	NOUN
gujaf-390	119	55	for	for	ADP
gujaf-390	119	56	stronger	strong	ADJ
gujaf-390	119	57	internal	internal	ADJ
gujaf-390	119	58	monitoring	monitoring	NOUN
gujaf-390	119	59	systems	system	NOUN
gujaf-390	119	60	and	and	CCONJ
gujaf-390	119	61	experienced	experienced	ADJ
gujaf-390	119	62	risk	risk	NOUN
gujaf-390	119	63	managers	manager	NOUN
gujaf-390	119	64	.	.	PUNCT
gujaf-390	120	1	in	in	ADP
gujaf-390	120	2	ethiopia	ethiopia	PROPN
gujaf-390	120	3	,	,	PUNCT
gujaf-390	120	4	legass	legass	NOUN
gujaf-390	120	5	and	and	CCONJ
gujaf-390	120	6	roba	roba	NOUN
gujaf-390	120	7	(	(	PUNCT
gujaf-390	120	8	2024	2024	NUM
gujaf-390	120	9	)	)	PUNCT
gujaf-390	120	10	analyzed	analyze	VERB
gujaf-390	120	11	13	13	NUM
gujaf-390	120	12	years	year	NOUN
gujaf-390	120	13	of	of	ADP
gujaf-390	120	14	data	datum	NOUN
gujaf-390	120	15	from	from	ADP
gujaf-390	120	16	commercial	commercial	ADJ
gujaf-390	120	17	banks	bank	NOUN
gujaf-390	120	18	and	and	CCONJ
gujaf-390	120	19	concluded	conclude	VERB
gujaf-390	120	20	that	that	SCONJ
gujaf-390	120	21	while	while	SCONJ
gujaf-390	120	22	credit	credit	NOUN
gujaf-390	120	23	interest	interest	NOUN
gujaf-390	120	24	income	income	NOUN
gujaf-390	120	25	and	and	CCONJ
gujaf-390	120	26	loan	loan	NOUN
gujaf-390	120	27	ratios	ratio	NOUN
gujaf-390	120	28	positively	positively	ADV
gujaf-390	120	29	influence	influence	VERB
gujaf-390	120	30	profitability	profitability	NOUN
gujaf-390	120	31	,	,	PUNCT
gujaf-390	120	32	nonperforming	nonperforming	ADJ
gujaf-390	120	33	loans	loan	NOUN
gujaf-390	120	34	have	have	VERB
gujaf-390	120	35	a	a	DET
gujaf-390	120	36	consistently	consistently	ADV
gujaf-390	120	37	harmful	harmful	ADJ
gujaf-390	120	38	effect	effect	NOUN
gujaf-390	120	39	on	on	ADP
gujaf-390	120	40	financial	financial	ADJ
gujaf-390	120	41	performance	performance	NOUN
gujaf-390	120	42	.	.	PUNCT
gujaf-390	121	1	similarly	similarly	ADV
gujaf-390	121	2	,	,	PUNCT
gujaf-390	121	3	a	a	DET
gujaf-390	121	4	2024	2024	NUM
gujaf-390	121	5	study	study	NOUN
gujaf-390	121	6	from	from	ADP
gujaf-390	121	7	the	the	DET
gujaf-390	121	8	democratic	democratic	PROPN
gujaf-390	121	9	republic	republic	NOUN
gujaf-390	121	10	of	of	ADP
gujaf-390	121	11	the	the	DET
gujaf-390	121	12	congo	congo	NOUN
gujaf-390	121	13	showed	show	VERB
gujaf-390	121	14	that	that	SCONJ
gujaf-390	121	15	strong	strong	ADJ
gujaf-390	121	16	capital	capital	NOUN
gujaf-390	121	17	adequacy	adequacy	NOUN
gujaf-390	121	18	improves	improve	VERB
gujaf-390	121	19	profitability	profitability	NOUN
gujaf-390	121	20	,	,	PUNCT
gujaf-390	121	21	whereas	whereas	SCONJ
gujaf-390	121	22	higher	high	ADJ
gujaf-390	121	23	non	non	ADJ
gujaf-390	121	24	-	-	ADJ
gujaf-390	121	25	performing	performing	ADJ
gujaf-390	121	26	loan	loan	NOUN
gujaf-390	121	27	ratios	ratio	NOUN
gujaf-390	121	28	hurt	hurt	VERB
gujaf-390	121	29	overall	overall	ADJ
gujaf-390	121	30	bank	bank	NOUN
gujaf-390	121	31	health	health	NOUN
gujaf-390	121	32	,	,	PUNCT
gujaf-390	121	33	emphasizing	emphasize	VERB
gujaf-390	121	34	the	the	DET
gujaf-390	121	35	critical	critical	ADJ
gujaf-390	121	36	balance	balance	NOUN
gujaf-390	121	37	between	between	ADP
gujaf-390	121	38	lending	lending	NOUN
gujaf-390	121	39	and	and	CCONJ
gujaf-390	121	40	risk	risk	NOUN
gujaf-390	121	41	management	management	NOUN
gujaf-390	121	42	practices	practice	NOUN
gujaf-390	121	43	.	.	PUNCT
gujaf-390	122	1	expanding	expand	VERB
gujaf-390	122	2	the	the	DET
gujaf-390	122	3	view	view	NOUN
gujaf-390	122	4	to	to	ADP
gujaf-390	122	5	pakistan	pakistan	PROPN
gujaf-390	122	6	,	,	PUNCT
gujaf-390	122	7	mahmood	mahmood	PROPN
gujaf-390	122	8	et	et	PROPN
gujaf-390	122	9	al	al	PROPN
gujaf-390	122	10	.	.	PROPN
gujaf-390	123	1	(	(	PUNCT
gujaf-390	123	2	2023	2023	NUM
gujaf-390	123	3	)	)	PUNCT
gujaf-390	123	4	revealed	reveal	VERB
gujaf-390	123	5	that	that	SCONJ
gujaf-390	123	6	liquidity	liquidity	NOUN
gujaf-390	123	7	positively	positively	ADV
gujaf-390	123	8	affects	affect	VERB
gujaf-390	123	9	bank	bank	NOUN
gujaf-390	123	10	performance	performance	NOUN
gujaf-390	123	11	,	,	PUNCT
gujaf-390	123	12	but	but	CCONJ
gujaf-390	123	13	capital	capital	NOUN
gujaf-390	123	14	adequacy	adequacy	NOUN
gujaf-390	123	15	,	,	PUNCT
gujaf-390	123	16	non	non	ADJ
gujaf-390	123	17	-	-	ADJ
gujaf-390	123	18	performing	performing	ADJ
gujaf-390	123	19	loans	loan	NOUN
gujaf-390	123	20	,	,	PUNCT
gujaf-390	123	21	and	and	CCONJ
gujaf-390	123	22	aggressive	aggressive	ADJ
gujaf-390	123	23	loan	loan	NOUN
gujaf-390	123	24	growth	growth	NOUN
gujaf-390	123	25	tend	tend	VERB
gujaf-390	123	26	to	to	PART
gujaf-390	123	27	diminish	diminish	VERB
gujaf-390	123	28	it	it	PRON
gujaf-390	123	29	.	.	PUNCT
gujaf-390	124	1	their	their	PRON
gujaf-390	124	2	findings	finding	NOUN
gujaf-390	124	3	argue	argue	VERB
gujaf-390	124	4	for	for	ADP
gujaf-390	124	5	tighter	tight	ADJ
gujaf-390	124	6	credit	credit	NOUN
gujaf-390	124	7	risk	risk	NOUN
gujaf-390	124	8	policies	policy	NOUN
gujaf-390	124	9	to	to	PART
gujaf-390	124	10	ensure	ensure	VERB
gujaf-390	124	11	sustainable	sustainable	ADJ
gujaf-390	124	12	bank	bank	NOUN
gujaf-390	124	13	performance	performance	NOUN
gujaf-390	124	14	.	.	PUNCT
gujaf-390	125	1	globally	globally	ADV
gujaf-390	125	2	,	,	PUNCT
gujaf-390	125	3	major	major	ADJ
gujaf-390	125	4	financial	financial	ADJ
gujaf-390	125	5	institutions	institution	NOUN
gujaf-390	125	6	like	like	ADP
gujaf-390	125	7	capital	capital	NOUN
gujaf-390	125	8	one	one	NUM
gujaf-390	125	9	have	have	AUX
gujaf-390	125	10	adjusted	adjust	VERB
gujaf-390	125	11	their	their	PRON
gujaf-390	125	12	credit	credit	NOUN
gujaf-390	125	13	risk	risk	NOUN
gujaf-390	125	14	strategies	strategy	NOUN
gujaf-390	125	15	in	in	ADP
gujaf-390	125	16	2025	2025	NUM
gujaf-390	125	17	,	,	PUNCT
gujaf-390	125	18	reflecting	reflect	VERB
gujaf-390	125	19	shifting	shift	VERB
gujaf-390	125	20	economic	economic	ADJ
gujaf-390	125	21	conditions	condition	NOUN
gujaf-390	125	22	.	.	PUNCT
gujaf-390	126	1	for	for	ADP
gujaf-390	126	2	example	example	NOUN
gujaf-390	126	3	,	,	PUNCT
gujaf-390	126	4	rising	rise	VERB
gujaf-390	126	5	delinquencies	delinquency	NOUN
gujaf-390	126	6	have	have	AUX
gujaf-390	126	7	led	lead	VERB
gujaf-390	126	8	banks	bank	NOUN
gujaf-390	126	9	to	to	PART
gujaf-390	126	10	boost	boost	VERB
gujaf-390	126	11	reserves	reserve	NOUN
gujaf-390	126	12	for	for	ADP
gujaf-390	126	13	potential	potential	ADJ
gujaf-390	126	14	losses	loss	NOUN
gujaf-390	126	15	,	,	PUNCT
gujaf-390	126	16	but	but	CCONJ
gujaf-390	126	17	improving	improve	VERB
gujaf-390	126	18	consumer	consumer	NOUN
gujaf-390	126	19	financial	financial	ADJ
gujaf-390	126	20	health	health	NOUN
gujaf-390	126	21	has	have	AUX
gujaf-390	126	22	also	also	ADV
gujaf-390	126	23	allowed	allow	VERB
gujaf-390	126	24	some	some	DET
gujaf-390	126	25	banks	bank	NOUN
gujaf-390	126	26	to	to	PART
gujaf-390	126	27	reduce	reduce	VERB
gujaf-390	126	28	these	these	DET
gujaf-390	126	29	reserves	reserve	NOUN
gujaf-390	126	30	,	,	PUNCT
gujaf-390	126	31	showing	show	VERB
gujaf-390	126	32	a	a	DET
gujaf-390	126	33	flexible	flexible	ADJ
gujaf-390	126	34	,	,	PUNCT
gujaf-390	126	35	responsive	responsive	ADJ
gujaf-390	126	36	approach	approach	NOUN
gujaf-390	126	37	to	to	ADP
gujaf-390	126	38	credit	credit	NOUN
gujaf-390	126	39	risk	risk	NOUN
gujaf-390	126	40	management	management	NOUN
gujaf-390	126	41	accordingly	accordingly	ADV
gujaf-390	126	42	,	,	PUNCT
gujaf-390	126	43	the	the	DET
gujaf-390	126	44	paper	paper	NOUN
gujaf-390	126	45	is	be	AUX
gujaf-390	126	46	guided	guide	VERB
gujaf-390	126	47	by	by	ADP
gujaf-390	126	48	the	the	DET
gujaf-390	126	49	following	follow	VERB
gujaf-390	126	50	research	research	NOUN
gujaf-390	126	51	hypotheses	hypothesis	NOUN
gujaf-390	126	52	:	:	PUNCT
gujaf-390	126	53	h01	h01	NOUN
gujaf-390	126	54	:	:	PUNCT
gujaf-390	126	55	credit	credit	NOUN
gujaf-390	126	56	risk	risk	NOUN
gujaf-390	126	57	management	management	NOUN
gujaf-390	126	58	does	do	AUX
gujaf-390	126	59	not	not	PART
gujaf-390	126	60	have	have	VERB
gujaf-390	126	61	significant	significant	ADJ
gujaf-390	126	62	effect	effect	NOUN
gujaf-390	126	63	on	on	ADP
gujaf-390	126	64	the	the	DET
gujaf-390	126	65	performance	performance	NOUN
gujaf-390	126	66	of	of	ADP
gujaf-390	126	67	deposit	deposit	NOUN
gujaf-390	126	68	money	money	NOUN
gujaf-390	126	69	banks	bank	NOUN
gujaf-390	126	70	in	in	ADP
gujaf-390	126	71	nigeria	nigeria	PROPN
gujaf-390	126	72	.	.	PUNCT
gujaf-390	127	1	h02	h02	PROPN
gujaf-390	127	2	:	:	PUNCT
gujaf-390	127	3	there	there	PRON
gujaf-390	127	4	is	be	VERB
gujaf-390	127	5	no	no	DET
gujaf-390	127	6	significant	significant	ADJ
gujaf-390	127	7	impact	impact	NOUN
gujaf-390	127	8	of	of	ADP
gujaf-390	127	9	market	market	NOUN
gujaf-390	127	10	risk	risk	NOUN
gujaf-390	127	11	management	management	NOUN
gujaf-390	127	12	on	on	ADP
gujaf-390	127	13	the	the	DET
gujaf-390	127	14	performance	performance	NOUN
gujaf-390	127	15	of	of	ADP
gujaf-390	127	16	deposit	deposit	NOUN
gujaf-390	127	17	money	money	NOUN
gujaf-390	127	18	banks	bank	NOUN
gujaf-390	127	19	in	in	ADP
gujaf-390	127	20	nigeria	nigeria	PROPN
gujaf-390	127	21	.	.	PUNCT
gujaf-390	128	1	h03	h03	NOUN
gujaf-390	128	2	:	:	PUNCT
gujaf-390	128	3	liquidity	liquidity	NOUN
gujaf-390	128	4	risk	risk	NOUN
gujaf-390	128	5	management	management	NOUN
gujaf-390	128	6	does	do	AUX
gujaf-390	128	7	not	not	PART
gujaf-390	128	8	have	have	VERB
gujaf-390	128	9	significant	significant	ADJ
gujaf-390	128	10	effect	effect	NOUN
gujaf-390	128	11	on	on	ADP
gujaf-390	128	12	the	the	DET
gujaf-390	128	13	performance	performance	NOUN
gujaf-390	128	14	of	of	ADP
gujaf-390	128	15	deposit	deposit	NOUN
gujaf-390	128	16	money	money	NOUN
gujaf-390	128	17	banks	bank	NOUN
gujaf-390	128	18	in	in	ADP
gujaf-390	128	19	nigeria	nigeria	PROPN
gujaf-390	128	20	.	.	PUNCT
gujaf-390	129	1	3.0	3.0	NUM
gujaf-390	129	2	methodology	methodology	NOUN
gujaf-390	129	3	the	the	DET
gujaf-390	129	4	paper	paper	NOUN
gujaf-390	129	5	analyzes	analyze	VERB
gujaf-390	129	6	the	the	DET
gujaf-390	129	7	effects	effect	NOUN
gujaf-390	129	8	of	of	ADP
gujaf-390	129	9	financial	financial	ADJ
gujaf-390	129	10	risk	risk	NOUN
gujaf-390	129	11	management	management	NOUN
gujaf-390	129	12	on	on	ADP
gujaf-390	129	13	the	the	DET
gujaf-390	129	14	profitability	profitability	NOUN
gujaf-390	129	15	of	of	ADP
gujaf-390	129	16	deposit	deposit	NOUN
gujaf-390	129	17	money	money	NOUN
gujaf-390	129	18	banks	bank	NOUN
gujaf-390	129	19	using	use	VERB
gujaf-390	129	20	earnings	earning	NOUN
gujaf-390	129	21	per	per	ADP
gujaf-390	129	22	share	share	NOUN
gujaf-390	129	23	as	as	ADP
gujaf-390	129	24	a	a	DET
gujaf-390	129	25	proxy	proxy	NOUN
gujaf-390	129	26	for	for	ADP
gujaf-390	129	27	banks	bank	NOUN
gujaf-390	129	28	’	'	PUNCT
gujaf-390	129	29	performance	performance	NOUN
gujaf-390	129	30	.	.	PUNCT
gujaf-390	130	1	the	the	DET
gujaf-390	130	2	sample	sample	NOUN
gujaf-390	130	3	size	size	NOUN
gujaf-390	130	4	consisted	consist	VERB
gujaf-390	130	5	of	of	ADP
gujaf-390	130	6	all	all	DET
gujaf-390	130	7	banks	bank	NOUN
gujaf-390	130	8	that	that	PRON
gujaf-390	130	9	are	be	AUX
gujaf-390	130	10	quoted	quote	VERB
gujaf-390	130	11	on	on	ADP
gujaf-390	130	12	the	the	DET
gujaf-390	130	13	nigerian	nigerian	ADJ
gujaf-390	130	14	stock	stock	NOUN
gujaf-390	130	15	exchange	exchange	PROPN
gujaf-390	130	16	.	.	PUNCT
gujaf-390	131	1	based	base	VERB
gujaf-390	131	2	on	on	ADP
gujaf-390	131	3	this	this	DET
gujaf-390	131	4	criteria	criterion	NOUN
gujaf-390	131	5	,	,	PUNCT
gujaf-390	131	6	fifteen	fifteen	NUM
gujaf-390	131	7	(	(	PUNCT
gujaf-390	131	8	15	15	NUM
gujaf-390	131	9	)	)	PUNCT
gujaf-390	131	10	out	out	ADP
gujaf-390	131	11	of	of	ADP
gujaf-390	131	12	nineteen	nineteen	NUM
gujaf-390	131	13	(	(	PUNCT
gujaf-390	131	14	19	19	NUM
gujaf-390	131	15	)	)	PUNCT
gujaf-390	131	16	banks	bank	NOUN
gujaf-390	131	17	in	in	ADP
gujaf-390	131	18	nigeria	nigeria	PROPN
gujaf-390	131	19	are	be	AUX
gujaf-390	131	20	used	use	VERB
gujaf-390	131	21	for	for	ADP
gujaf-390	131	22	the	the	DET
gujaf-390	131	23	study	study	NOUN
gujaf-390	131	24	.	.	PUNCT
gujaf-390	132	1	the	the	DET
gujaf-390	132	2	data	datum	NOUN
gujaf-390	132	3	used	use	VERB
gujaf-390	132	4	for	for	ADP
gujaf-390	132	5	this	this	DET
gujaf-390	132	6	study	study	NOUN
gujaf-390	132	7	were	be	AUX
gujaf-390	132	8	secondary	secondary	ADJ
gujaf-390	132	9	in	in	ADP
gujaf-390	132	10	nature	nature	NOUN
gujaf-390	132	11	implying	imply	VERB
gujaf-390	132	12	that	that	SCONJ
gujaf-390	132	13	data	datum	NOUN
gujaf-390	132	14	were	be	AUX
gujaf-390	132	15	obtained	obtain	VERB
gujaf-390	132	16	from	from	ADP
gujaf-390	132	17	annual	annual	ADJ
gujaf-390	132	18	reports	report	NOUN
gujaf-390	132	19	of	of	ADP
gujaf-390	132	20	all	all	DET
gujaf-390	132	21	the	the	DET
gujaf-390	132	22	quoted	quote	VERB
gujaf-390	132	23	banks	bank	NOUN
gujaf-390	132	24	on	on	ADP
gujaf-390	132	25	the	the	DET
gujaf-390	132	26	nigerian	nigerian	ADJ
gujaf-390	132	27	exchange	exchange	NOUN
gujaf-390	132	28	group	group	NOUN
gujaf-390	132	29	,	,	PUNCT
gujaf-390	132	30	covering	cover	VERB
gujaf-390	132	31	2000	2000	NUM
gujaf-390	132	32	to	to	ADP
gujaf-390	132	33	2022	2022	NUM
gujaf-390	132	34	.	.	PUNCT
gujaf-390	133	1	eps	eps	PROPN
gujaf-390	133	2	,	,	PUNCT
gujaf-390	133	3	as	as	ADP
gujaf-390	133	4	the	the	DET
gujaf-390	133	5	main	main	ADJ
gujaf-390	133	6	dependent	dependent	ADJ
gujaf-390	133	7	variable	variable	NOUN
gujaf-390	133	8	,	,	PUNCT
gujaf-390	133	9	is	be	AUX
gujaf-390	133	10	determined	determine	VERB
gujaf-390	133	11	by	by	ADP
gujaf-390	133	12	ratios	ratio	NOUN
gujaf-390	133	13	of	of	ADP
gujaf-390	133	14	non	non	ADJ
gujaf-390	133	15	-	-	ADJ
gujaf-390	133	16	performing	performing	ADJ
gujaf-390	133	17	loans	loan	NOUN
gujaf-390	133	18	and	and	CCONJ
gujaf-390	133	19	loans	loan	NOUN
gujaf-390	133	20	and	and	CCONJ
gujaf-390	133	21	advances	advance	NOUN
gujaf-390	133	22	;	;	PUNCT
gujaf-390	133	23	loan	loan	NOUN
gujaf-390	133	24	loss	loss	NOUN
gujaf-390	133	25	provision	provision	NOUN
gujaf-390	133	26	and	and	CCONJ
gujaf-390	133	27	total	total	ADJ
gujaf-390	133	28	assets	asset	NOUN
gujaf-390	133	29	;	;	PUNCT
gujaf-390	133	30	and	and	CCONJ
gujaf-390	133	31	loans	loan	NOUN
gujaf-390	133	32	and	and	CCONJ
gujaf-390	133	33	advances	advance	NOUN
gujaf-390	133	34	and	and	CCONJ
gujaf-390	133	35	total	total	ADJ
gujaf-390	133	36	deposits	deposit	NOUN
gujaf-390	133	37	,	,	PUNCT
gujaf-390	133	38	interest	interest	NOUN
gujaf-390	133	39	sensitivity	sensitivity	NOUN
gujaf-390	133	40	ratio	ratio	NOUN
gujaf-390	133	41	,	,	PUNCT
gujaf-390	133	42	foreign	foreign	ADJ
gujaf-390	133	43	exchange	exchange	NOUN
gujaf-390	133	44	risk	risk	NOUN
gujaf-390	133	45	.	.	PUNCT
gujaf-390	134	1	the	the	DET
gujaf-390	134	2	study	study	NOUN
gujaf-390	134	3	further	far	ADV
gujaf-390	134	4	includes	include	VERB
gujaf-390	134	5	market	market	NOUN
gujaf-390	134	6	risk	risk	NOUN
gujaf-390	134	7	management	management	NOUN
gujaf-390	134	8	variables	variable	NOUN
gujaf-390	134	9	and	and	CCONJ
gujaf-390	134	10	liquidity	liquidity	NOUN
gujaf-390	134	11	risk	risk	NOUN
gujaf-390	134	12	management	management	NOUN
gujaf-390	134	13	variables	variable	NOUN
gujaf-390	134	14	such	such	ADJ
gujaf-390	134	15	as	as	ADP
gujaf-390	134	16	interest	interest	NOUN
gujaf-390	134	17	sensitivity	sensitivity	NOUN
gujaf-390	134	18	ratio	ratio	NOUN
gujaf-390	134	19	;	;	PUNCT
gujaf-390	134	20	exchange	exchange	NOUN
gujaf-390	134	21	rate	rate	NOUN
gujaf-390	134	22	;	;	PUNCT
gujaf-390	134	23	cash	cash	NOUN
gujaf-390	134	24	,	,	PUNCT
gujaf-390	134	25	deposit	deposit	NOUN
gujaf-390	134	26	and	and	CCONJ
gujaf-390	134	27	bank	bank	NOUN
gujaf-390	134	28	size	size	NOUN
gujaf-390	134	29	:	:	PUNCT
gujaf-390	134	30	the	the	DET
gujaf-390	134	31	model	model	NOUN
gujaf-390	134	32	is	be	AUX
gujaf-390	134	33	stated	state	VERB
gujaf-390	134	34	as	as	ADP
gujaf-390	134	35	:	:	PUNCT
gujaf-390	134	36	eps	eps	PROPN
gujaf-390	134	37	=	=	SYM
gujaf-390	134	38	f	f	PROPN
gujaf-390	134	39	(	(	PUNCT
gujaf-390	134	40	crm	crm	PROPN
gujaf-390	134	41	,	,	PUNCT
gujaf-390	134	42	mrm	mrm	PROPN
gujaf-390	134	43	,	,	PUNCT
gujaf-390	134	44	ltm	ltm	PROPN
gujaf-390	134	45	)	)	PUNCT
gujaf-390	134	46	(	(	PUNCT
gujaf-390	134	47	1	1	X
gujaf-390	134	48	)	)	PUNCT
gujaf-390	134	49	epsit	epsit	NOUN
gujaf-390	134	50	=	=	PUNCT
gujaf-390	134	51	b0	b0	PROPN
gujaf-390	134	52	+	+	CCONJ
gujaf-390	134	53	b1npllait	b1npllait	ADJ
gujaf-390	134	54	+	+	CCONJ
gujaf-390	134	55	b2llptait	b2llptait	NOUN
gujaf-390	134	56	+	+	CCONJ
gujaf-390	134	57	b3latdit	b3latdit	NOUN
gujaf-390	134	58	+	+	CCONJ
gujaf-390	134	59	b4tdlait	b4tdlait	NOUN
gujaf-390	134	60	b5intit	b5intit	NOUN
gujaf-390	134	61	+	+	CCONJ
gujaf-390	134	62	b6ferit	b6ferit	NOUN
gujaf-390	134	63	+	+	CCONJ
gujaf-390	134	64	b7cshit	b7cshit	VERB
gujaf-390	134	65	+	+	CCONJ
gujaf-390	134	66	b8bksit	b8bksit	NOUN
gujaf-390	134	67	+	+	CCONJ
gujaf-390	134	68	μit	μit	NOUN
gujaf-390	134	69	(	(	PUNCT
gujaf-390	134	70	2	2	NUM
gujaf-390	134	71	)	)	PUNCT
gujaf-390	134	72	where	where	SCONJ
gujaf-390	134	73	:	:	PUNCT
gujaf-390	134	74	b0	b0	NOUN
gujaf-390	134	75	=	=	PUNCT
gujaf-390	134	76	constant	constant	ADJ
gujaf-390	134	77	term	term	NOUN
gujaf-390	134	78	,	,	PUNCT
gujaf-390	134	79	μit	μit	NOUN
gujaf-390	134	80	=	=	NOUN
gujaf-390	134	81	error	error	NOUN
gujaf-390	134	82	term	term	NOUN
gujaf-390	134	83	.	.	PUNCT
gujaf-390	135	1	the	the	DET
gujaf-390	135	2	a	a	ADV
gujaf-390	135	3	-	-	PUNCT
gujaf-390	135	4	priori	priori	ADJ
gujaf-390	135	5	expectation	expectation	NOUN
gujaf-390	135	6	is	be	AUX
gujaf-390	135	7	:	:	PUNCT
gujaf-390	135	8	β1	β1	VERB
gujaf-390	135	9	>	>	X
gujaf-390	135	10	0	0	PROPN
gujaf-390	135	11	;	;	PUNCT
gujaf-390	135	12	β2	β2	VERB
gujaf-390	135	13	>	>	NOUN
gujaf-390	135	14	0	0	PROPN
gujaf-390	135	15	and	and	CCONJ
gujaf-390	135	16	β3	β3	VERB
gujaf-390	135	17	>	>	X
gujaf-390	135	18	0	0	NUM
gujaf-390	135	19	,	,	PUNCT
gujaf-390	135	20	supposing	suppose	VERB
gujaf-390	135	21	that	that	SCONJ
gujaf-390	135	22	there	there	PRON
gujaf-390	135	23	should	should	AUX
gujaf-390	135	24	be	be	AUX
gujaf-390	135	25	a	a	DET
gujaf-390	135	26	positive	positive	ADJ
gujaf-390	135	27	relationship	relationship	NOUN
gujaf-390	135	28	between	between	ADP
gujaf-390	135	29	credit	credit	NOUN
gujaf-390	135	30	risk	risk	NOUN
gujaf-390	135	31	management	management	NOUN
gujaf-390	135	32	and	and	CCONJ
gujaf-390	135	33	bank	bank	NOUN
gujaf-390	135	34	performance	performance	NOUN
gujaf-390	135	35	in	in	ADP
gujaf-390	135	36	nigeria	nigeria	PROPN
gujaf-390	135	37	.	.	PUNCT
gujaf-390	136	1	there	there	PRON
gujaf-390	136	2	should	should	AUX
gujaf-390	136	3	be	be	AUX
gujaf-390	136	4	a	a	DET
gujaf-390	136	5	positive	positive	ADJ
gujaf-390	136	6	links	link	NOUN
gujaf-390	136	7	between	between	ADP
gujaf-390	136	8	market	market	NOUN
gujaf-390	136	9	risk	risk	NOUN
gujaf-390	136	10	management	management	NOUN
gujaf-390	136	11	gusau	gusau	ADJ
gujaf-390	136	12	journal	journal	NOUN
gujaf-390	136	13	of	of	ADP
gujaf-390	136	14	accounting	accounting	NOUN
gujaf-390	136	15	and	and	CCONJ
gujaf-390	136	16	finance	finance	NOUN
gujaf-390	136	17	,	,	PUNCT
gujaf-390	136	18	vol.6	vol.6	PROPN
gujaf-390	136	19	,	,	PUNCT
gujaf-390	136	20	issue	issue	NOUN
gujaf-390	136	21	1	1	NUM
gujaf-390	136	22	,	,	PUNCT
gujaf-390	136	23	april	april	PROPN
gujaf-390	136	24	,	,	PUNCT
gujaf-390	136	25	2025	2025	NUM
gujaf-390	136	26	367	367	NUM
gujaf-390	136	27	and	and	CCONJ
gujaf-390	136	28	banks	bank	NOUN
gujaf-390	136	29	performance	performance	NOUN
gujaf-390	136	30	in	in	ADP
gujaf-390	136	31	nigeria	nigeria	PROPN
gujaf-390	136	32	.	.	PUNCT
gujaf-390	137	1	there	there	PRON
gujaf-390	137	2	should	should	AUX
gujaf-390	137	3	be	be	AUX
gujaf-390	137	4	a	a	DET
gujaf-390	137	5	positive	positive	ADJ
gujaf-390	137	6	relationship	relationship	NOUN
gujaf-390	137	7	between	between	ADP
gujaf-390	137	8	liquidity	liquidity	NOUN
gujaf-390	137	9	risk	risk	NOUN
gujaf-390	137	10	management	management	NOUN
gujaf-390	137	11	and	and	CCONJ
gujaf-390	137	12	banks	bank	NOUN
gujaf-390	137	13	performance	performance	NOUN
gujaf-390	137	14	in	in	ADP
gujaf-390	137	15	nigeria	nigeria	PROPN
gujaf-390	137	16	.	.	PUNCT
gujaf-390	138	1	all	all	DET
gujaf-390	138	2	variables	variable	NOUN
gujaf-390	138	3	are	be	AUX
gujaf-390	138	4	defined	define	VERB
gujaf-390	138	5	in	in	ADP
gujaf-390	138	6	table	table	NOUN
gujaf-390	138	7	1	1	NUM
gujaf-390	138	8	.	.	PUNCT
gujaf-390	139	1	the	the	DET
gujaf-390	139	2	paper	paper	NOUN
gujaf-390	139	3	applies	apply	VERB
gujaf-390	139	4	the	the	DET
gujaf-390	139	5	panel	panel	NOUN
gujaf-390	139	6	data	datum	NOUN
gujaf-390	139	7	approach	approach	NOUN
gujaf-390	139	8	.	.	PUNCT
gujaf-390	140	1	the	the	DET
gujaf-390	140	2	research	research	NOUN
gujaf-390	140	3	use	use	VERB
gujaf-390	140	4	techniques	technique	NOUN
gujaf-390	140	5	that	that	PRON
gujaf-390	140	6	account	account	VERB
gujaf-390	140	7	for	for	ADP
gujaf-390	140	8	both	both	CCONJ
gujaf-390	140	9	the	the	DET
gujaf-390	140	10	variation	variation	NOUN
gujaf-390	140	11	across	across	ADP
gujaf-390	140	12	entities	entity	NOUN
gujaf-390	140	13	and	and	CCONJ
gujaf-390	140	14	overtime	overtime	NOUN
gujaf-390	140	15	.	.	PUNCT
gujaf-390	141	1	one	one	NUM
gujaf-390	141	2	common	common	ADJ
gujaf-390	141	3	method	method	NOUN
gujaf-390	141	4	is	be	AUX
gujaf-390	141	5	the	the	DET
gujaf-390	141	6	fixed	fix	VERB
gujaf-390	141	7	(	(	PUNCT
gujaf-390	141	8	radom	radom	NOUN
gujaf-390	141	9	)	)	PUNCT
gujaf-390	141	10	effects	effect	NOUN
gujaf-390	141	11	model	model	NOUN
gujaf-390	141	12	,	,	PUNCT
gujaf-390	141	13	which	which	PRON
gujaf-390	141	14	controls	control	VERB
gujaf-390	141	15	for	for	ADP
gujaf-390	141	16	time	time	NOUN
gujaf-390	141	17	-	-	PUNCT
gujaf-390	141	18	invariant	invariant	ADJ
gujaf-390	141	19	differences	difference	NOUN
gujaf-390	141	20	between	between	ADP
gujaf-390	141	21	entities	entity	NOUN
gujaf-390	141	22	by	by	ADP
gujaf-390	141	23	differencing	difference	VERB
gujaf-390	141	24	(	(	PUNCT
gujaf-390	141	25	assumes	assume	VERB
gujaf-390	141	26	that	that	SCONJ
gujaf-390	141	27	individual	individual	ADJ
gujaf-390	141	28	-	-	PUNCT
gujaf-390	141	29	specific	specific	ADJ
gujaf-390	141	30	effects	effect	NOUN
gujaf-390	141	31	are	be	AUX
gujaf-390	141	32	random	random	ADJ
gujaf-390	141	33	and	and	CCONJ
gujaf-390	141	34	uncorrelated	uncorrelate	VERB
gujaf-390	141	35	with	with	ADP
gujaf-390	141	36	the	the	DET
gujaf-390	141	37	explanatory	explanatory	ADJ
gujaf-390	141	38	variables	variable	NOUN
gujaf-390	141	39	)	)	PUNCT
gujaf-390	141	40	.	.	PUNCT
gujaf-390	142	1	we	we	PRON
gujaf-390	142	2	confirm	confirm	VERB
gujaf-390	142	3	the	the	DET
gujaf-390	142	4	sensitivity	sensitivity	NOUN
gujaf-390	142	5	of	of	ADP
gujaf-390	142	6	equation	equation	NOUN
gujaf-390	142	7	(	(	PUNCT
gujaf-390	142	8	2	2	NUM
gujaf-390	142	9	)	)	PUNCT
gujaf-390	142	10	to	to	ADP
gujaf-390	142	11	different	different	ADJ
gujaf-390	142	12	performance	performance	NOUN
gujaf-390	142	13	measures	measure	NOUN
gujaf-390	142	14	.	.	PUNCT
gujaf-390	143	1	we	we	PRON
gujaf-390	143	2	estimate	estimate	VERB
gujaf-390	143	3	equations	equation	NOUN
gujaf-390	143	4	2	2	NUM
gujaf-390	143	5	using	use	VERB
gujaf-390	143	6	roa	roa	NOUN
gujaf-390	143	7	and	and	CCONJ
gujaf-390	143	8	roe	roe	PROPN
gujaf-390	143	9	,	,	PUNCT
gujaf-390	143	10	as	as	SCONJ
gujaf-390	143	11	shown	show	VERB
gujaf-390	143	12	in	in	ADP
gujaf-390	143	13	(	(	PUNCT
gujaf-390	143	14	3	3	NUM
gujaf-390	143	15	)	)	PUNCT
gujaf-390	143	16	and	and	CCONJ
gujaf-390	143	17	(	(	PUNCT
gujaf-390	143	18	4	4	X
gujaf-390	143	19	)	)	PUNCT
gujaf-390	143	20	respectively	respectively	ADV
gujaf-390	143	21	.	.	PUNCT
gujaf-390	144	1	roait	roait	NOUN
gujaf-390	144	2	=	=	SYM
gujaf-390	144	3	b0	b0	PROPN
gujaf-390	144	4	+	+	CCONJ
gujaf-390	144	5	b1npllait	b1npllait	ADJ
gujaf-390	144	6	+	+	CCONJ
gujaf-390	144	7	b2llptait	b2llptait	NOUN
gujaf-390	144	8	+	+	CCONJ
gujaf-390	144	9	b3latdit	b3latdit	NOUN
gujaf-390	144	10	+	+	CCONJ
gujaf-390	144	11	b4tdlait	b4tdlait	NOUN
gujaf-390	144	12	b5intit	b5intit	NOUN
gujaf-390	144	13	+	+	CCONJ
gujaf-390	144	14	b6ferit	b6ferit	NOUN
gujaf-390	144	15	+	+	CCONJ
gujaf-390	144	16	b7cshit	b7cshit	VERB
gujaf-390	144	17	+	+	CCONJ
gujaf-390	144	18	b8bksit	b8bksit	NOUN
gujaf-390	144	19	+	+	CCONJ
gujaf-390	144	20	μit	μit	NOUN
gujaf-390	144	21	(	(	PUNCT
gujaf-390	144	22	3	3	NUM
gujaf-390	144	23	)	)	PUNCT
gujaf-390	144	24	roeit	roeit	NOUN
gujaf-390	144	25	=	=	SYM
gujaf-390	144	26	b0	b0	PROPN
gujaf-390	144	27	+	+	CCONJ
gujaf-390	144	28	b1npllait	b1npllait	ADJ
gujaf-390	144	29	+	+	CCONJ
gujaf-390	144	30	b2llptait	b2llptait	NOUN
gujaf-390	144	31	+	+	CCONJ
gujaf-390	144	32	b3latdit	b3latdit	NOUN
gujaf-390	144	33	+	+	CCONJ
gujaf-390	144	34	b4tdlait	b4tdlait	NOUN
gujaf-390	144	35	b5intit	b5intit	NOUN
gujaf-390	144	36	+	+	CCONJ
gujaf-390	144	37	b6ferit	b6ferit	NOUN
gujaf-390	144	38	+	+	CCONJ
gujaf-390	144	39	b7cshit	b7cshit	VERB
gujaf-390	144	40	+	+	CCONJ
gujaf-390	144	41	b8bksit	b8bksit	NOUN
gujaf-390	144	42	+	+	CCONJ
gujaf-390	144	43	μit	μit	NOUN
gujaf-390	144	44	(	(	PUNCT
gujaf-390	144	45	4	4	NUM
gujaf-390	144	46	)	)	PUNCT
gujaf-390	144	47	table	table	NOUN
gujaf-390	144	48	1	1	NUM
gujaf-390	144	49	:	:	PUNCT
gujaf-390	144	50	description	description	NOUN
gujaf-390	144	51	of	of	ADP
gujaf-390	144	52	variables	variable	NOUN
gujaf-390	144	53	variables	variable	VERB
gujaf-390	144	54	description	description	NOUN
gujaf-390	144	55	dependent	dependent	ADJ
gujaf-390	144	56	eps	eps	X
gujaf-390	144	57	earnings	earning	NOUN
gujaf-390	144	58	per	per	ADP
gujaf-390	144	59	share	share	NOUN
gujaf-390	144	60	eps	eps	PROPN
gujaf-390	144	61	is	be	AUX
gujaf-390	144	62	calculated	calculate	VERB
gujaf-390	144	63	by	by	ADP
gujaf-390	144	64	dividing	divide	VERB
gujaf-390	144	65	the	the	DET
gujaf-390	144	66	net	net	ADJ
gujaf-390	144	67	income	income	NOUN
gujaf-390	144	68	of	of	ADP
gujaf-390	144	69	the	the	DET
gujaf-390	144	70	company	company	NOUN
gujaf-390	144	71	(	(	PUNCT
gujaf-390	144	72	after	after	ADP
gujaf-390	144	73	taxes	taxis	NOUN
gujaf-390	144	74	and	and	CCONJ
gujaf-390	144	75	preferred	preferred	ADJ
gujaf-390	144	76	dividends	dividend	NOUN
gujaf-390	144	77	)	)	PUNCT
gujaf-390	144	78	by	by	ADP
gujaf-390	144	79	the	the	DET
gujaf-390	144	80	weighted	weight	VERB
gujaf-390	144	81	average	average	ADJ
gujaf-390	144	82	number	number	NOUN
gujaf-390	144	83	of	of	ADP
gujaf-390	144	84	outstanding	outstanding	ADJ
gujaf-390	144	85	shares	share	NOUN
gujaf-390	144	86	of	of	ADP
gujaf-390	144	87	common	common	ADJ
gujaf-390	144	88	stock	stock	NOUN
gujaf-390	144	89	.	.	PUNCT
gujaf-390	145	1	roe	roe	PROPN
gujaf-390	145	2	roe	roe	PROPN
gujaf-390	145	3	is	be	AUX
gujaf-390	145	4	the	the	DET
gujaf-390	145	5	profit	profit	NOUN
gujaf-390	145	6	after	after	ADP
gujaf-390	145	7	tax	tax	NOUN
gujaf-390	145	8	divided	divide	VERB
gujaf-390	145	9	by	by	ADP
gujaf-390	145	10	book	book	NOUN
gujaf-390	145	11	value	value	NOUN
gujaf-390	145	12	of	of	ADP
gujaf-390	145	13	equity	equity	NOUN
gujaf-390	145	14	.	.	PUNCT
gujaf-390	146	1	tian	tian	PROPN
gujaf-390	146	2	and	and	CCONJ
gujaf-390	146	3	zeitun	zeitun	PROPN
gujaf-390	146	4	(	(	PUNCT
gujaf-390	146	5	2007	2007	NUM
gujaf-390	146	6	)	)	PUNCT
gujaf-390	146	7	roa	roa	NOUN
gujaf-390	146	8	this	this	PRON
gujaf-390	146	9	is	be	AUX
gujaf-390	146	10	calculated	calculate	VERB
gujaf-390	146	11	by	by	ADP
gujaf-390	146	12	dividing	divide	VERB
gujaf-390	146	13	earnings	earning	NOUN
gujaf-390	146	14	after	after	ADP
gujaf-390	146	15	interest	interest	NOUN
gujaf-390	146	16	and	and	CCONJ
gujaf-390	146	17	tax	tax	NOUN
gujaf-390	146	18	into	into	ADP
gujaf-390	146	19	total	total	ADJ
gujaf-390	146	20	assets	asset	NOUN
gujaf-390	146	21	which	which	PRON
gujaf-390	146	22	is	be	AUX
gujaf-390	146	23	based	base	VERB
gujaf-390	146	24	on	on	ADP
gujaf-390	146	25	the	the	DET
gujaf-390	146	26	study	study	NOUN
gujaf-390	146	27	of	of	ADP
gujaf-390	146	28	jiraporn	jiraporn	NOUN
gujaf-390	146	29	and	and	CCONJ
gujaf-390	146	30	liu	liu	PROPN
gujaf-390	146	31	(	(	PUNCT
gujaf-390	146	32	2008	2008	NUM
gujaf-390	146	33	)	)	PUNCT
gujaf-390	146	34	independent	independent	ADJ
gujaf-390	146	35	crm	crm	PROPN
gujaf-390	146	36	credit	credit	NOUN
gujaf-390	146	37	risk	risk	NOUN
gujaf-390	146	38	management	management	NOUN
gujaf-390	146	39	cash	cash	NOUN
gujaf-390	146	40	ratio	ratio	NOUN
gujaf-390	146	41	is	be	AUX
gujaf-390	146	42	measured	measure	VERB
gujaf-390	146	43	as	as	ADP
gujaf-390	146	44	cash	cash	NOUN
gujaf-390	146	45	and	and	CCONJ
gujaf-390	146	46	cash	cash	NOUN
gujaf-390	146	47	equivalents	equivalent	NOUN
gujaf-390	146	48	to	to	ADP
gujaf-390	146	49	total	total	ADJ
gujaf-390	146	50	assets	asset	NOUN
gujaf-390	146	51	.	.	PUNCT
gujaf-390	147	1	banks	bank	NOUN
gujaf-390	147	2	with	with	ADP
gujaf-390	147	3	more	more	ADJ
gujaf-390	147	4	cash	cash	NOUN
gujaf-390	147	5	and	and	CCONJ
gujaf-390	147	6	cash	cash	NOUN
gujaf-390	147	7	equivalents	equivalent	NOUN
gujaf-390	147	8	will	will	AUX
gujaf-390	147	9	have	have	VERB
gujaf-390	147	10	less	less	ADJ
gujaf-390	147	11	exposure	exposure	NOUN
gujaf-390	147	12	to	to	ADP
gujaf-390	147	13	liquidity	liquidity	NOUN
gujaf-390	147	14	risk	risk	NOUN
gujaf-390	147	15	,	,	PUNCT
gujaf-390	147	16	as	as	SCONJ
gujaf-390	147	17	these	these	DET
gujaf-390	147	18	banks	bank	NOUN
gujaf-390	147	19	will	will	AUX
gujaf-390	147	20	have	have	VERB
gujaf-390	147	21	a	a	DET
gujaf-390	147	22	body	body	NOUN
gujaf-390	147	23	of	of	ADP
gujaf-390	147	24	cash	cash	NOUN
gujaf-390	147	25	to	to	PART
gujaf-390	147	26	meet	meet	VERB
gujaf-390	147	27	the	the	DET
gujaf-390	147	28	liquidity	liquidity	NOUN
gujaf-390	147	29	demands	demand	NOUN
gujaf-390	147	30	of	of	ADP
gujaf-390	147	31	their	their	PRON
gujaf-390	147	32	customers	customer	NOUN
gujaf-390	147	33	(	(	PUNCT
gujaf-390	147	34	alzhoubi	alzhoubi	ADJ
gujaf-390	147	35	,	,	PUNCT
gujaf-390	147	36	2017	2017	NUM
gujaf-390	147	37	)	)	PUNCT
gujaf-390	147	38	nplla	nplla	NOUN
gujaf-390	147	39	ratio	ratio	NOUN
gujaf-390	147	40	of	of	ADP
gujaf-390	147	41	non	non	ADJ
gujaf-390	147	42	-	-	ADJ
gujaf-390	147	43	performing	performing	ADJ
gujaf-390	147	44	loans	loan	NOUN
gujaf-390	147	45	to	to	ADP
gujaf-390	147	46	loans	loan	NOUN
gujaf-390	147	47	and	and	CCONJ
gujaf-390	147	48	advances	advance	NOUN
gujaf-390	147	49	this	this	PRON
gujaf-390	147	50	is	be	AUX
gujaf-390	147	51	captured	capture	VERB
gujaf-390	147	52	by	by	ADP
gujaf-390	147	53	the	the	DET
gujaf-390	147	54	ratio	ratio	NOUN
gujaf-390	147	55	of	of	ADP
gujaf-390	147	56	non	non	ADJ
gujaf-390	147	57	-	-	ADJ
gujaf-390	147	58	performing	performing	ADJ
gujaf-390	147	59	loans	loan	NOUN
gujaf-390	147	60	to	to	ADP
gujaf-390	147	61	loans	loan	NOUN
gujaf-390	147	62	and	and	CCONJ
gujaf-390	147	63	advances	advance	NOUN
gujaf-390	147	64	llpta	llpta	NOUN
gujaf-390	147	65	ratio	ratio	NOUN
gujaf-390	147	66	of	of	ADP
gujaf-390	147	67	loan	loan	NOUN
gujaf-390	147	68	loss	loss	NOUN
gujaf-390	147	69	provision	provision	NOUN
gujaf-390	147	70	to	to	PART
gujaf-390	147	71	total	total	ADJ
gujaf-390	147	72	assets	asset	NOUN
gujaf-390	147	73	this	this	PRON
gujaf-390	147	74	measures	measure	VERB
gujaf-390	147	75	the	the	DET
gujaf-390	147	76	amount	amount	NOUN
gujaf-390	147	77	of	of	ADP
gujaf-390	147	78	funds	fund	NOUN
gujaf-390	147	79	a	a	DET
gujaf-390	147	80	bank	bank	NOUN
gujaf-390	147	81	sets	set	VERB
gujaf-390	147	82	aside	aside	ADV
gujaf-390	147	83	to	to	PART
gujaf-390	147	84	cover	cover	VERB
gujaf-390	147	85	potential	potential	ADJ
gujaf-390	147	86	loan	loan	NOUN
gujaf-390	147	87	losses	loss	NOUN
gujaf-390	147	88	as	as	ADP
gujaf-390	147	89	a	a	DET
gujaf-390	147	90	percentage	percentage	NOUN
gujaf-390	147	91	of	of	ADP
gujaf-390	147	92	its	its	PRON
gujaf-390	147	93	total	total	ADJ
gujaf-390	147	94	assets	asset	NOUN
gujaf-390	147	95	.	.	PUNCT
gujaf-390	148	1	it	it	PRON
gujaf-390	148	2	indicates	indicate	VERB
gujaf-390	148	3	how	how	SCONJ
gujaf-390	148	4	well	well	ADV
gujaf-390	148	5	a	a	DET
gujaf-390	148	6	bank	bank	NOUN
gujaf-390	148	7	is	be	AUX
gujaf-390	148	8	preparing	prepare	VERB
gujaf-390	148	9	for	for	ADP
gujaf-390	148	10	possible	possible	ADJ
gujaf-390	148	11	defaults	default	NOUN
gujaf-390	148	12	on	on	ADP
gujaf-390	148	13	its	its	PRON
gujaf-390	148	14	loans	loan	NOUN
gujaf-390	148	15	relative	relative	ADJ
gujaf-390	148	16	to	to	ADP
gujaf-390	148	17	its	its	PRON
gujaf-390	148	18	overall	overall	ADJ
gujaf-390	148	19	asset	asset	NOUN
gujaf-390	148	20	base	base	NOUN
gujaf-390	148	21	.	.	PUNCT
gujaf-390	149	1	latd	latd	NOUN
gujaf-390	149	2	ratio	ratio	NOUN
gujaf-390	149	3	of	of	ADP
gujaf-390	149	4	loans	loan	NOUN
gujaf-390	149	5	and	and	CCONJ
gujaf-390	149	6	advances	advance	NOUN
gujaf-390	149	7	to	to	PART
gujaf-390	149	8	total	total	ADJ
gujaf-390	149	9	deposits	deposit	NOUN
gujaf-390	149	10	this	this	PRON
gujaf-390	149	11	compares	compare	VERB
gujaf-390	149	12	the	the	DET
gujaf-390	149	13	total	total	ADJ
gujaf-390	149	14	amount	amount	NOUN
gujaf-390	149	15	of	of	ADP
gujaf-390	149	16	loans	loan	NOUN
gujaf-390	149	17	and	and	CCONJ
gujaf-390	149	18	advances	advance	NOUN
gujaf-390	149	19	a	a	DET
gujaf-390	149	20	bank	bank	NOUN
gujaf-390	149	21	has	have	AUX
gujaf-390	149	22	issued	issue	VERB
gujaf-390	149	23	to	to	ADP
gujaf-390	149	24	the	the	DET
gujaf-390	149	25	total	total	ADJ
gujaf-390	149	26	deposits	deposit	NOUN
gujaf-390	149	27	it	it	PRON
gujaf-390	149	28	holds	hold	VERB
gujaf-390	149	29	.	.	PUNCT
gujaf-390	150	1	it	it	PRON
gujaf-390	150	2	indicates	indicate	VERB
gujaf-390	150	3	the	the	DET
gujaf-390	150	4	bank	bank	NOUN
gujaf-390	150	5	's	's	PART
gujaf-390	150	6	lending	lending	NOUN
gujaf-390	150	7	activity	activity	NOUN
gujaf-390	150	8	relative	relative	ADJ
gujaf-390	150	9	to	to	ADP
gujaf-390	150	10	its	its	PRON
gujaf-390	150	11	deposit	deposit	NOUN
gujaf-390	150	12	base	base	NOUN
gujaf-390	150	13	,	,	PUNCT
gujaf-390	150	14	reflecting	reflect	VERB
gujaf-390	150	15	how	how	SCONJ
gujaf-390	150	16	much	much	ADJ
gujaf-390	150	17	of	of	ADP
gujaf-390	150	18	the	the	DET
gujaf-390	150	19	bank	bank	NOUN
gujaf-390	150	20	's	's	PART
gujaf-390	150	21	deposits	deposit	NOUN
gujaf-390	150	22	are	be	AUX
gujaf-390	150	23	being	be	AUX
gujaf-390	150	24	used	use	VERB
gujaf-390	150	25	to	to	PART
gujaf-390	150	26	fund	fund	VERB
gujaf-390	150	27	loans	loan	NOUN
gujaf-390	150	28	and	and	CCONJ
gujaf-390	150	29	advances	advance	NOUN
gujaf-390	150	30	.	.	PUNCT
gujaf-390	151	1	tdla	tdla	NOUN
gujaf-390	151	2	ratio	ratio	NOUN
gujaf-390	151	3	of	of	ADP
gujaf-390	151	4	total	total	ADJ
gujaf-390	151	5	deposits	deposit	NOUN
gujaf-390	151	6	to	to	ADP
gujaf-390	151	7	loans	loan	NOUN
gujaf-390	151	8	and	and	CCONJ
gujaf-390	151	9	advances	advance	NOUN
gujaf-390	151	10	this	this	PRON
gujaf-390	151	11	compares	compare	VERB
gujaf-390	151	12	the	the	DET
gujaf-390	151	13	total	total	ADJ
gujaf-390	151	14	amount	amount	NOUN
gujaf-390	151	15	of	of	ADP
gujaf-390	151	16	customer	customer	NOUN
gujaf-390	151	17	deposits	deposit	NOUN
gujaf-390	151	18	held	hold	VERB
gujaf-390	151	19	by	by	ADP
gujaf-390	151	20	a	a	DET
gujaf-390	151	21	bank	bank	NOUN
gujaf-390	151	22	to	to	ADP
gujaf-390	151	23	the	the	DET
gujaf-390	151	24	total	total	ADJ
gujaf-390	151	25	amount	amount	NOUN
gujaf-390	151	26	of	of	ADP
gujaf-390	151	27	loans	loan	NOUN
gujaf-390	151	28	and	and	CCONJ
gujaf-390	151	29	advances	advance	NOUN
gujaf-390	151	30	it	it	PRON
gujaf-390	151	31	has	have	AUX
gujaf-390	151	32	issued	issue	VERB
gujaf-390	151	33	.	.	PUNCT
gujaf-390	152	1	it	it	PRON
gujaf-390	152	2	is	be	AUX
gujaf-390	152	3	the	the	DET
gujaf-390	152	4	gusau	gusau	ADJ
gujaf-390	152	5	journal	journal	NOUN
gujaf-390	152	6	of	of	ADP
gujaf-390	152	7	accounting	accounting	NOUN
gujaf-390	152	8	and	and	CCONJ
gujaf-390	152	9	finance	finance	NOUN
gujaf-390	152	10	,	,	PUNCT
gujaf-390	152	11	vol.6	vol.6	PROPN
gujaf-390	152	12	,	,	PUNCT
gujaf-390	152	13	issue	issue	NOUN
gujaf-390	152	14	1	1	NUM
gujaf-390	152	15	,	,	PUNCT
gujaf-390	152	16	april	april	PROPN
gujaf-390	152	17	,	,	PUNCT
gujaf-390	152	18	2025	2025	NUM
gujaf-390	152	19	368	368	NUM
gujaf-390	152	20	proportion	proportion	NOUN
gujaf-390	152	21	of	of	ADP
gujaf-390	152	22	the	the	DET
gujaf-390	152	23	bank	bank	NOUN
gujaf-390	152	24	's	's	PART
gujaf-390	152	25	deposits	deposit	NOUN
gujaf-390	152	26	that	that	PRON
gujaf-390	152	27	are	be	AUX
gujaf-390	152	28	being	be	AUX
gujaf-390	152	29	used	use	VERB
gujaf-390	152	30	to	to	PART
gujaf-390	152	31	fund	fund	VERB
gujaf-390	152	32	its	its	PRON
gujaf-390	152	33	lending	lending	NOUN
gujaf-390	152	34	activities	activity	NOUN
gujaf-390	152	35	,	,	PUNCT
gujaf-390	152	36	providing	provide	VERB
gujaf-390	152	37	insight	insight	NOUN
gujaf-390	152	38	into	into	ADP
gujaf-390	152	39	the	the	DET
gujaf-390	152	40	bank	bank	NOUN
gujaf-390	152	41	’s	’s	PART
gujaf-390	152	42	liquidit	liquidit	NOUN
gujaf-390	152	43	.	.	PUNCT
gujaf-390	153	1	mrm	mrm	PROPN
gujaf-390	153	2	market	market	NOUN
gujaf-390	153	3	risk	risk	NOUN
gujaf-390	153	4	management	management	NOUN
gujaf-390	153	5	this	this	PRON
gujaf-390	153	6	involves	involve	VERB
gujaf-390	153	7	identifying	identify	VERB
gujaf-390	153	8	,	,	PUNCT
gujaf-390	153	9	assessing	assess	VERB
gujaf-390	153	10	,	,	PUNCT
gujaf-390	153	11	and	and	CCONJ
gujaf-390	153	12	controlling	control	VERB
gujaf-390	153	13	the	the	DET
gujaf-390	153	14	potential	potential	ADJ
gujaf-390	153	15	risks	risk	NOUN
gujaf-390	153	16	that	that	PRON
gujaf-390	153	17	arise	arise	VERB
gujaf-390	153	18	from	from	ADP
gujaf-390	153	19	fluctuations	fluctuation	NOUN
gujaf-390	153	20	in	in	ADP
gujaf-390	153	21	market	market	NOUN
gujaf-390	153	22	variables	variable	NOUN
gujaf-390	153	23	such	such	ADJ
gujaf-390	153	24	as	as	ADP
gujaf-390	153	25	interest	interest	NOUN
gujaf-390	153	26	rates	rate	NOUN
gujaf-390	153	27	,	,	PUNCT
gujaf-390	153	28	stock	stock	NOUN
gujaf-390	153	29	prices	price	NOUN
gujaf-390	153	30	,	,	PUNCT
gujaf-390	153	31	exchange	exchange	NOUN
gujaf-390	153	32	rates	rate	NOUN
gujaf-390	153	33	,	,	PUNCT
gujaf-390	153	34	and	and	CCONJ
gujaf-390	153	35	commodity	commodity	NOUN
gujaf-390	153	36	prices	price	NOUN
gujaf-390	153	37	,	,	PUNCT
gujaf-390	153	38	which	which	PRON
gujaf-390	153	39	can	can	AUX
gujaf-390	153	40	affect	affect	VERB
gujaf-390	153	41	the	the	DET
gujaf-390	153	42	financial	financial	ADJ
gujaf-390	153	43	performance	performance	NOUN
gujaf-390	153	44	of	of	ADP
gujaf-390	153	45	an	an	DET
gujaf-390	153	46	institution	institution	NOUN
gujaf-390	153	47	.	.	PUNCT
gujaf-390	154	1	int	int	NOUN
gujaf-390	154	2	interest	interest	NOUN
gujaf-390	154	3	sensitivity	sensitivity	NOUN
gujaf-390	154	4	ratio	ratio	NOUN
gujaf-390	154	5	the	the	DET
gujaf-390	154	6	study	study	NOUN
gujaf-390	154	7	captured	capture	VERB
gujaf-390	154	8	the	the	DET
gujaf-390	154	9	effect	effect	NOUN
gujaf-390	154	10	of	of	ADP
gujaf-390	154	11	interest	interest	NOUN
gujaf-390	154	12	rates	rate	NOUN
gujaf-390	154	13	as	as	ADP
gujaf-390	154	14	a	a	DET
gujaf-390	154	15	measure	measure	NOUN
gujaf-390	154	16	of	of	ADP
gujaf-390	154	17	market	market	NOUN
gujaf-390	154	18	risk	risk	NOUN
gujaf-390	154	19	since	since	SCONJ
gujaf-390	154	20	a	a	DET
gujaf-390	154	21	change	change	NOUN
gujaf-390	154	22	in	in	ADP
gujaf-390	154	23	interest	interest	NOUN
gujaf-390	154	24	rate	rate	NOUN
gujaf-390	154	25	could	could	AUX
gujaf-390	154	26	lead	lead	VERB
gujaf-390	154	27	to	to	ADP
gujaf-390	154	28	a	a	DET
gujaf-390	154	29	mismatch	mismatch	NOUN
gujaf-390	154	30	between	between	ADP
gujaf-390	154	31	interest	interest	NOUN
gujaf-390	154	32	paid	pay	VERB
gujaf-390	154	33	on	on	ADP
gujaf-390	154	34	deposit	deposit	NOUN
gujaf-390	154	35	and	and	CCONJ
gujaf-390	154	36	the	the	DET
gujaf-390	154	37	interest	interest	NOUN
gujaf-390	154	38	received	receive	VERB
gujaf-390	154	39	on	on	ADP
gujaf-390	154	40	loans	loan	NOUN
gujaf-390	154	41	.	.	PUNCT
gujaf-390	155	1	it	it	PRON
gujaf-390	155	2	is	be	AUX
gujaf-390	155	3	measured	measure	VERB
gujaf-390	155	4	by	by	ADP
gujaf-390	155	5	interest	interest	NOUN
gujaf-390	155	6	rate	rate	NOUN
gujaf-390	155	7	sensitivity	sensitivity	NOUN
gujaf-390	155	8	assets	asset	NOUN
gujaf-390	155	9	divided	divide	VERB
gujaf-390	155	10	by	by	ADP
gujaf-390	155	11	interest	interest	NOUN
gujaf-390	155	12	rate	rate	NOUN
gujaf-390	155	13	sensitivity	sensitivity	NOUN
gujaf-390	155	14	liability	liability	NOUN
gujaf-390	155	15	fer	fer	PROPN
gujaf-390	155	16	foreign	foreign	ADJ
gujaf-390	155	17	exchange	exchange	NOUN
gujaf-390	155	18	rate	rate	NOUN
gujaf-390	155	19	foreign	foreign	ADJ
gujaf-390	155	20	exchange	exchange	NOUN
gujaf-390	155	21	risk	risk	NOUN
gujaf-390	155	22	manifested	manifest	VERB
gujaf-390	155	23	by	by	ADP
gujaf-390	155	24	exposure	exposure	NOUN
gujaf-390	155	25	,	,	PUNCT
gujaf-390	155	26	the	the	DET
gujaf-390	155	27	degree	degree	NOUN
gujaf-390	155	28	to	to	PART
gujaf-390	155	29	which	which	PRON
gujaf-390	155	30	a	a	DET
gujaf-390	155	31	bank	bank	NOUN
gujaf-390	155	32	’s	’s	PART
gujaf-390	155	33	performance	performance	NOUN
gujaf-390	155	34	is	be	AUX
gujaf-390	155	35	affected	affect	VERB
gujaf-390	155	36	by	by	ADP
gujaf-390	155	37	exchange	exchange	NOUN
gujaf-390	155	38	rate	rate	NOUN
gujaf-390	155	39	changes	change	NOUN
gujaf-390	155	40	was	be	AUX
gujaf-390	155	41	measured	measure	VERB
gujaf-390	155	42	using	use	VERB
gujaf-390	155	43	the	the	DET
gujaf-390	155	44	ratio	ratio	NOUN
gujaf-390	155	45	of	of	ADP
gujaf-390	155	46	net	net	ADJ
gujaf-390	155	47	foreign	foreign	ADJ
gujaf-390	155	48	currency	currency	NOUN
gujaf-390	155	49	exposure	exposure	NOUN
gujaf-390	155	50	between	between	ADP
gujaf-390	155	51	assets	asset	NOUN
gujaf-390	155	52	and	and	CCONJ
gujaf-390	155	53	liabilities	liability	NOUN
gujaf-390	155	54	to	to	PART
gujaf-390	155	55	total	total	VERB
gujaf-390	155	56	assets	asset	NOUN
gujaf-390	155	57	(	(	PUNCT
gujaf-390	155	58	gietzen	gietzen	NOUN
gujaf-390	155	59	,	,	PUNCT
gujaf-390	155	60	2017	2017	NUM
gujaf-390	155	61	)	)	PUNCT
gujaf-390	155	62	lrm	lrm	PROPN
gujaf-390	155	63	liquidity	liquidity	NOUN
gujaf-390	155	64	risk	risk	NOUN
gujaf-390	155	65	management	management	NOUN
gujaf-390	155	66	involves	involve	VERB
gujaf-390	155	67	identifying	identify	VERB
gujaf-390	155	68	,	,	PUNCT
gujaf-390	155	69	assessing	assess	VERB
gujaf-390	155	70	,	,	PUNCT
gujaf-390	155	71	and	and	CCONJ
gujaf-390	155	72	mitigating	mitigate	VERB
gujaf-390	155	73	the	the	DET
gujaf-390	155	74	potential	potential	ADJ
gujaf-390	155	75	risks	risk	NOUN
gujaf-390	155	76	a	a	DET
gujaf-390	155	77	financial	financial	ADJ
gujaf-390	155	78	institution	institution	NOUN
gujaf-390	155	79	faces	face	VERB
gujaf-390	155	80	in	in	ADP
gujaf-390	155	81	being	be	AUX
gujaf-390	155	82	unable	unable	ADJ
gujaf-390	155	83	to	to	PART
gujaf-390	155	84	meet	meet	VERB
gujaf-390	155	85	its	its	PRON
gujaf-390	155	86	short	short	ADJ
gujaf-390	155	87	-	-	PUNCT
gujaf-390	155	88	term	term	NOUN
gujaf-390	155	89	obligations	obligation	NOUN
gujaf-390	155	90	due	due	ADP
gujaf-390	155	91	to	to	ADP
gujaf-390	155	92	insufficient	insufficient	ADJ
gujaf-390	155	93	liquid	liquid	ADJ
gujaf-390	155	94	assets	asset	NOUN
gujaf-390	155	95	.	.	PUNCT
gujaf-390	156	1	csh	csh	PROPN
gujaf-390	156	2	cash	cash	NOUN
gujaf-390	156	3	divided	divide	VERB
gujaf-390	156	4	by	by	ADP
gujaf-390	156	5	total	total	ADJ
gujaf-390	156	6	asset	asset	NOUN
gujaf-390	156	7	represent	represent	VERB
gujaf-390	156	8	a	a	DET
gujaf-390	156	9	financial	financial	ADJ
gujaf-390	156	10	ratio	ratio	NOUN
gujaf-390	156	11	that	that	PRON
gujaf-390	156	12	measures	measure	VERB
gujaf-390	156	13	the	the	DET
gujaf-390	156	14	proportion	proportion	NOUN
gujaf-390	156	15	of	of	ADP
gujaf-390	156	16	a	a	DET
gujaf-390	156	17	company	company	NOUN
gujaf-390	156	18	's	's	PART
gujaf-390	156	19	total	total	ADJ
gujaf-390	156	20	assets	asset	NOUN
gujaf-390	156	21	that	that	PRON
gujaf-390	156	22	is	be	AUX
gujaf-390	156	23	held	hold	VERB
gujaf-390	156	24	in	in	ADP
gujaf-390	156	25	cash	cash	NOUN
gujaf-390	156	26	or	or	CCONJ
gujaf-390	156	27	cash	cash	NOUN
gujaf-390	156	28	equivalents	equivalent	NOUN
gujaf-390	156	29	.	.	PUNCT
gujaf-390	157	1	it	it	PRON
gujaf-390	157	2	indicates	indicate	VERB
gujaf-390	157	3	how	how	SCONJ
gujaf-390	157	4	much	much	ADJ
gujaf-390	157	5	liquidity	liquidity	NOUN
gujaf-390	157	6	a	a	DET
gujaf-390	157	7	company	company	NOUN
gujaf-390	157	8	has	have	AUX
gujaf-390	157	9	relative	relative	ADJ
gujaf-390	157	10	to	to	ADP
gujaf-390	157	11	its	its	PRON
gujaf-390	157	12	total	total	ADJ
gujaf-390	157	13	assets	asset	NOUN
gujaf-390	157	14	,	,	PUNCT
gujaf-390	157	15	showing	show	VERB
gujaf-390	157	16	its	its	PRON
gujaf-390	157	17	ability	ability	NOUN
gujaf-390	157	18	to	to	PART
gujaf-390	157	19	quickly	quickly	ADV
gujaf-390	157	20	access	access	VERB
gujaf-390	157	21	cash	cash	NOUN
gujaf-390	157	22	if	if	SCONJ
gujaf-390	157	23	needed	need	VERB
gujaf-390	157	24	.	.	PUNCT
gujaf-390	158	1	bks	bks	PROPN
gujaf-390	158	2	bank	bank	PROPN
gujaf-390	158	3	size	size	NOUN
gujaf-390	158	4	refers	refer	VERB
gujaf-390	158	5	to	to	ADP
gujaf-390	158	6	the	the	DET
gujaf-390	158	7	overall	overall	ADJ
gujaf-390	158	8	scale	scale	NOUN
gujaf-390	158	9	of	of	ADP
gujaf-390	158	10	a	a	DET
gujaf-390	158	11	bank	bank	NOUN
gujaf-390	158	12	,	,	PUNCT
gujaf-390	158	13	typically	typically	ADV
gujaf-390	158	14	measured	measure	VERB
gujaf-390	158	15	by	by	ADP
gujaf-390	158	16	factors	factor	NOUN
gujaf-390	158	17	such	such	ADJ
gujaf-390	158	18	as	as	ADP
gujaf-390	158	19	its	its	PRON
gujaf-390	158	20	total	total	ADJ
gujaf-390	158	21	assets	asset	NOUN
gujaf-390	158	22	,	,	PUNCT
gujaf-390	158	23	market	market	NOUN
gujaf-390	158	24	capitalization	capitalization	NOUN
gujaf-390	158	25	,	,	PUNCT
gujaf-390	158	26	or	or	CCONJ
gujaf-390	158	27	the	the	DET
gujaf-390	158	28	volume	volume	NOUN
gujaf-390	158	29	of	of	ADP
gujaf-390	158	30	deposits	deposit	NOUN
gujaf-390	158	31	and	and	CCONJ
gujaf-390	158	32	loans	loan	NOUN
gujaf-390	158	33	it	it	PRON
gujaf-390	158	34	manages	manage	VERB
gujaf-390	158	35	.	.	PUNCT
gujaf-390	159	1	source	source	NOUN
gujaf-390	159	2	:	:	PUNCT
gujaf-390	159	3	author	author	NOUN
gujaf-390	159	4	(	(	PUNCT
gujaf-390	159	5	2025	2025	NUM
gujaf-390	159	6	)	)	PUNCT
gujaf-390	159	7	4.0	4.0	NUM
gujaf-390	159	8	results	result	NOUN
gujaf-390	159	9	descriptive	descriptive	ADJ
gujaf-390	159	10	statistics	statistic	NOUN
gujaf-390	159	11	from	from	ADP
gujaf-390	159	12	table	table	NOUN
gujaf-390	159	13	1	1	NUM
gujaf-390	159	14	reveal	reveal	VERB
gujaf-390	159	15	substantial	substantial	ADJ
gujaf-390	159	16	variability	variability	NOUN
gujaf-390	159	17	across	across	ADP
gujaf-390	159	18	the	the	DET
gujaf-390	159	19	dataset	dataset	NOUN
gujaf-390	159	20	.	.	PUNCT
gujaf-390	160	1	for	for	ADP
gujaf-390	160	2	instance	instance	NOUN
gujaf-390	160	3	,	,	PUNCT
gujaf-390	160	4	eps	eps	PROPN
gujaf-390	160	5	has	have	VERB
gujaf-390	160	6	a	a	DET
gujaf-390	160	7	mean	mean	NOUN
gujaf-390	160	8	of	of	ADP
gujaf-390	160	9	5.439	5.439	NUM
gujaf-390	160	10	but	but	CCONJ
gujaf-390	160	11	a	a	DET
gujaf-390	160	12	large	large	ADJ
gujaf-390	160	13	standard	standard	ADJ
gujaf-390	160	14	deviation	deviation	NOUN
gujaf-390	160	15	of	of	ADP
gujaf-390	160	16	20.659	20.659	NUM
gujaf-390	160	17	,	,	PUNCT
gujaf-390	160	18	highlighting	highlight	VERB
gujaf-390	160	19	considerable	considerable	ADJ
gujaf-390	160	20	dispersion	dispersion	NOUN
gujaf-390	160	21	around	around	ADP
gujaf-390	160	22	the	the	DET
gujaf-390	160	23	mean	mean	NOUN
gujaf-390	160	24	.	.	PUNCT
gujaf-390	161	1	most	most	ADJ
gujaf-390	161	2	variables	variable	NOUN
gujaf-390	161	3	show	show	VERB
gujaf-390	161	4	signs	sign	NOUN
gujaf-390	161	5	of	of	ADP
gujaf-390	161	6	non	non	ADJ
gujaf-390	161	7	-	-	ADJ
gujaf-390	161	8	normality	normality	ADJ
gujaf-390	161	9	,	,	PUNCT
gujaf-390	161	10	evident	evident	ADJ
gujaf-390	161	11	through	through	ADP
gujaf-390	161	12	extreme	extreme	ADJ
gujaf-390	161	13	skewness	skewness	NOUN
gujaf-390	161	14	and	and	CCONJ
gujaf-390	161	15	kurtosis	kurtosis	VERB
gujaf-390	161	16	values	value	NOUN
gujaf-390	161	17	.	.	PUNCT
gujaf-390	162	1	notably	notably	ADV
gujaf-390	162	2	,	,	PUNCT
gujaf-390	162	3	variables	variable	NOUN
gujaf-390	162	4	like	like	ADP
gujaf-390	162	5	cash	cash	NOUN
gujaf-390	162	6	and	and	CCONJ
gujaf-390	162	7	fer	fer	PROPN
gujaf-390	162	8	display	display	NOUN
gujaf-390	162	9	extremely	extremely	ADV
gujaf-390	162	10	high	high	ADJ
gujaf-390	162	11	kurtosis	kurtosis	NOUN
gujaf-390	162	12	(	(	PUNCT
gujaf-390	162	13	59.239	59.239	NUM
gujaf-390	162	14	and	and	CCONJ
gujaf-390	162	15	52.608	52.608	NUM
gujaf-390	162	16	respectively	respectively	ADV
gujaf-390	162	17	)	)	PUNCT
gujaf-390	162	18	,	,	PUNCT
gujaf-390	162	19	indicating	indicate	VERB
gujaf-390	162	20	the	the	DET
gujaf-390	162	21	presence	presence	NOUN
gujaf-390	162	22	of	of	ADP
gujaf-390	162	23	significant	significant	ADJ
gujaf-390	162	24	outliers	outlier	NOUN
gujaf-390	162	25	or	or	CCONJ
gujaf-390	162	26	fat	fat	ADJ
gujaf-390	162	27	-	-	PUNCT
gujaf-390	162	28	tailed	tail	VERB
gujaf-390	162	29	distributions	distribution	NOUN
gujaf-390	162	30	.	.	PUNCT
gujaf-390	163	1	the	the	DET
gujaf-390	163	2	jarque	jarque	NOUN
gujaf-390	163	3	-	-	PUNCT
gujaf-390	163	4	bera	bera	NOUN
gujaf-390	163	5	test	test	NOUN
gujaf-390	163	6	for	for	ADP
gujaf-390	163	7	all	all	DET
gujaf-390	163	8	variables	variable	NOUN
gujaf-390	163	9	is	be	AUX
gujaf-390	163	10	highly	highly	ADV
gujaf-390	163	11	significant	significant	ADJ
gujaf-390	163	12	(	(	PUNCT
gujaf-390	163	13	p	p	NOUN
gujaf-390	163	14	-	-	PUNCT
gujaf-390	163	15	value	value	NOUN
gujaf-390	163	16	=	=	NOUN
gujaf-390	163	17	0.0000	0.0000	NUM
gujaf-390	163	18	)	)	PUNCT
gujaf-390	163	19	,	,	PUNCT
gujaf-390	163	20	reinforcing	reinforce	VERB
gujaf-390	163	21	the	the	DET
gujaf-390	163	22	rejection	rejection	NOUN
gujaf-390	163	23	of	of	ADP
gujaf-390	163	24	the	the	DET
gujaf-390	163	25	null	null	ADJ
gujaf-390	163	26	hypothesis	hypothesis	NOUN
gujaf-390	163	27	of	of	ADP
gujaf-390	163	28	normal	normal	ADJ
gujaf-390	163	29	distribution	distribution	NOUN
gujaf-390	163	30	.	.	PUNCT
gujaf-390	164	1	the	the	DET
gujaf-390	164	2	correlation	correlation	NOUN
gujaf-390	164	3	matrix	matrix	NOUN
gujaf-390	164	4	(	(	PUNCT
gujaf-390	164	5	table	table	NOUN
gujaf-390	164	6	2	2	NUM
gujaf-390	164	7	)	)	PUNCT
gujaf-390	164	8	suggests	suggest	VERB
gujaf-390	164	9	low	low	ADJ
gujaf-390	164	10	to	to	ADP
gujaf-390	164	11	moderate	moderate	ADJ
gujaf-390	164	12	linear	linear	ADJ
gujaf-390	164	13	relationships	relationship	NOUN
gujaf-390	164	14	among	among	ADP
gujaf-390	164	15	the	the	DET
gujaf-390	164	16	independent	independent	ADJ
gujaf-390	164	17	variables	variable	NOUN
gujaf-390	164	18	,	,	PUNCT
gujaf-390	164	19	with	with	ADP
gujaf-390	164	20	no	no	DET
gujaf-390	164	21	serious	serious	ADJ
gujaf-390	164	22	multicollinearity	multicollinearity	NOUN
gujaf-390	164	23	concerns	concern	NOUN
gujaf-390	164	24	.	.	PUNCT
gujaf-390	165	1	notably	notably	ADV
gujaf-390	165	2	,	,	PUNCT
gujaf-390	165	3	nplla	nplla	NOUN
gujaf-390	165	4	and	and	CCONJ
gujaf-390	165	5	llpta	llpta	NOUN
gujaf-390	165	6	are	be	AUX
gujaf-390	165	7	moderately	moderately	ADV
gujaf-390	165	8	positively	positively	ADV
gujaf-390	165	9	correlated	correlate	VERB
gujaf-390	165	10	(	(	PUNCT
gujaf-390	165	11	0.54	0.54	NUM
gujaf-390	165	12	)	)	PUNCT
gujaf-390	165	13	,	,	PUNCT
gujaf-390	165	14	which	which	PRON
gujaf-390	165	15	is	be	AUX
gujaf-390	165	16	expected	expect	VERB
gujaf-390	165	17	given	give	VERB
gujaf-390	165	18	their	their	PRON
gujaf-390	165	19	shared	share	VERB
gujaf-390	165	20	focus	focus	NOUN
gujaf-390	165	21	on	on	ADP
gujaf-390	165	22	credit	credit	NOUN
gujaf-390	165	23	risk	risk	NOUN
gujaf-390	165	24	.	.	PUNCT
gujaf-390	166	1	the	the	DET
gujaf-390	166	2	correlation	correlation	NOUN
gujaf-390	166	3	analysis	analysis	NOUN
gujaf-390	166	4	between	between	ADP
gujaf-390	166	5	eps	eps	PROPN
gujaf-390	166	6	and	and	CCONJ
gujaf-390	166	7	the	the	DET
gujaf-390	166	8	other	other	ADJ
gujaf-390	166	9	variables	variable	NOUN
gujaf-390	166	10	reveals	reveal	VERB
gujaf-390	166	11	generally	generally	ADV
gujaf-390	166	12	weak	weak	ADJ
gujaf-390	166	13	relationships	relationship	NOUN
gujaf-390	166	14	,	,	PUNCT
gujaf-390	166	15	both	both	CCONJ
gujaf-390	166	16	positive	positive	ADJ
gujaf-390	166	17	and	and	CCONJ
gujaf-390	166	18	negative	negative	ADJ
gujaf-390	166	19	.	.	PUNCT
gujaf-390	167	1	for	for	ADP
gujaf-390	167	2	instance	instance	NOUN
gujaf-390	167	3	,	,	PUNCT
gujaf-390	167	4	the	the	DET
gujaf-390	167	5	correlation	correlation	NOUN
gujaf-390	167	6	between	between	ADP
gujaf-390	167	7	eps	eps	PROPN
gujaf-390	167	8	and	and	CCONJ
gujaf-390	167	9	bank	bank	NOUN
gujaf-390	167	10	size	size	NOUN
gujaf-390	167	11	(	(	PUNCT
gujaf-390	167	12	bks	bks	NOUN
gujaf-390	167	13	)	)	PUNCT
gujaf-390	167	14	is	be	AUX
gujaf-390	167	15	very	very	ADV
gujaf-390	167	16	weak	weak	ADJ
gujaf-390	167	17	and	and	CCONJ
gujaf-390	167	18	negative	negative	ADJ
gujaf-390	167	19	,	,	PUNCT
gujaf-390	167	20	suggesting	suggest	VERB
gujaf-390	167	21	that	that	SCONJ
gujaf-390	167	22	larger	large	ADJ
gujaf-390	167	23	banks	bank	NOUN
gujaf-390	167	24	do	do	AUX
gujaf-390	167	25	not	not	PART
gujaf-390	167	26	necessarily	necessarily	ADV
gujaf-390	167	27	exhibit	exhibit	VERB
gujaf-390	167	28	higher	high	ADJ
gujaf-390	167	29	profitability	profitability	NOUN
gujaf-390	167	30	on	on	ADP
gujaf-390	167	31	a	a	DET
gujaf-390	167	32	per	per	ADP
gujaf-390	167	33	-	-	PUNCT
gujaf-390	167	34	share	share	NOUN
gujaf-390	167	35	basis	basis	NOUN
gujaf-390	167	36	in	in	ADP
gujaf-390	167	37	this	this	DET
gujaf-390	167	38	dataset	dataset	NOUN
gujaf-390	167	39	.	.	PUNCT
gujaf-390	168	1	similarly	similarly	ADV
gujaf-390	168	2	,	,	PUNCT
gujaf-390	168	3	the	the	DET
gujaf-390	168	4	relationship	relationship	NOUN
gujaf-390	168	5	between	between	ADP
gujaf-390	168	6	eps	eps	PROPN
gujaf-390	168	7	and	and	CCONJ
gujaf-390	168	8	cash	cash	NOUN
gujaf-390	168	9	to	to	ADP
gujaf-390	168	10	total	total	ADJ
gujaf-390	168	11	assets	asset	NOUN
gujaf-390	168	12	(	(	PUNCT
gujaf-390	168	13	cash	cash	NOUN
gujaf-390	168	14	)	)	PUNCT
gujaf-390	168	15	is	be	AUX
gujaf-390	168	16	also	also	ADV
gujaf-390	168	17	weakly	weakly	ADV
gujaf-390	168	18	negative	negative	ADJ
gujaf-390	168	19	,	,	PUNCT
gujaf-390	168	20	implying	imply	VERB
gujaf-390	168	21	that	that	SCONJ
gujaf-390	168	22	higher	high	ADJ
gujaf-390	168	23	liquidity	liquidity	NOUN
gujaf-390	168	24	in	in	ADP
gujaf-390	168	25	the	the	DET
gujaf-390	168	26	form	form	NOUN
gujaf-390	168	27	of	of	ADP
gujaf-390	168	28	cash	cash	NOUN
gujaf-390	168	29	holdings	holding	NOUN
gujaf-390	168	30	does	do	AUX
gujaf-390	168	31	not	not	PART
gujaf-390	168	32	significantly	significantly	ADV
gujaf-390	168	33	affect	affect	VERB
gujaf-390	168	34	earnings	earning	NOUN
gujaf-390	168	35	per	per	ADP
gujaf-390	168	36	share	share	NOUN
gujaf-390	168	37	.	.	PUNCT
gujaf-390	169	1	foreign	foreign	ADJ
gujaf-390	169	2	exchange	exchange	NOUN
gujaf-390	169	3	rate	rate	NOUN
gujaf-390	169	4	risk	risk	NOUN
gujaf-390	169	5	(	(	PUNCT
gujaf-390	169	6	fer	fer	PROPN
gujaf-390	169	7	)	)	PUNCT
gujaf-390	169	8	shows	show	VERB
gujaf-390	169	9	an	an	DET
gujaf-390	169	10	even	even	ADV
gujaf-390	169	11	weaker	weak	ADJ
gujaf-390	169	12	negative	negative	ADJ
gujaf-390	169	13	correlation	correlation	NOUN
gujaf-390	169	14	with	with	ADP
gujaf-390	169	15	eps	eps	PROPN
gujaf-390	169	16	,	,	PUNCT
gujaf-390	169	17	indicating	indicate	VERB
gujaf-390	169	18	that	that	SCONJ
gujaf-390	169	19	fluctuations	fluctuation	NOUN
gujaf-390	169	20	in	in	ADP
gujaf-390	169	21	the	the	DET
gujaf-390	169	22	foreign	foreign	ADJ
gujaf-390	169	23	exchange	exchange	NOUN
gujaf-390	169	24	market	market	NOUN
gujaf-390	169	25	have	have	VERB
gujaf-390	169	26	minimal	minimal	ADJ
gujaf-390	169	27	impact	impact	NOUN
gujaf-390	169	28	on	on	ADP
gujaf-390	169	29	the	the	DET
gujaf-390	169	30	banks	bank	NOUN
gujaf-390	169	31	'	'	PART
gujaf-390	169	32	profitability	profitability	NOUN
gujaf-390	169	33	.	.	PUNCT
gujaf-390	170	1	interest	interest	NOUN
gujaf-390	170	2	rate	rate	NOUN
gujaf-390	170	3	sensitivity	sensitivity	PROPN
gujaf-390	170	4	gusau	gusau	PROPN
gujaf-390	170	5	journal	journal	NOUN
gujaf-390	170	6	of	of	ADP
gujaf-390	170	7	accounting	accounting	NOUN
gujaf-390	170	8	and	and	CCONJ
gujaf-390	170	9	finance	finance	NOUN
gujaf-390	170	10	,	,	PUNCT
gujaf-390	170	11	vol.6	vol.6	PROPN
gujaf-390	170	12	,	,	PUNCT
gujaf-390	170	13	issue	issue	NOUN
gujaf-390	170	14	1	1	NUM
gujaf-390	170	15	,	,	PUNCT
gujaf-390	170	16	april	april	PROPN
gujaf-390	170	17	,	,	PUNCT
gujaf-390	170	18	2025	2025	NUM
gujaf-390	170	19	369	369	NUM
gujaf-390	170	20	(	(	PUNCT
gujaf-390	170	21	int	int	NOUN
gujaf-390	170	22	)	)	PUNCT
gujaf-390	170	23	also	also	ADV
gujaf-390	170	24	displays	display	VERB
gujaf-390	170	25	a	a	DET
gujaf-390	170	26	very	very	ADV
gujaf-390	170	27	weak	weak	ADJ
gujaf-390	170	28	positive	positive	ADJ
gujaf-390	170	29	relationship	relationship	NOUN
gujaf-390	170	30	with	with	ADP
gujaf-390	170	31	eps	eps	PROPN
gujaf-390	170	32	,	,	PUNCT
gujaf-390	170	33	suggesting	suggest	VERB
gujaf-390	170	34	that	that	SCONJ
gujaf-390	170	35	sensitivity	sensitivity	NOUN
gujaf-390	170	36	to	to	ADP
gujaf-390	170	37	interest	interest	NOUN
gujaf-390	170	38	rate	rate	NOUN
gujaf-390	170	39	changes	change	NOUN
gujaf-390	170	40	has	have	VERB
gujaf-390	170	41	little	little	ADJ
gujaf-390	170	42	to	to	ADP
gujaf-390	170	43	no	no	DET
gujaf-390	170	44	effect	effect	NOUN
gujaf-390	170	45	on	on	ADP
gujaf-390	170	46	earnings	earning	NOUN
gujaf-390	170	47	.	.	PUNCT
gujaf-390	171	1	in	in	ADP
gujaf-390	171	2	terms	term	NOUN
gujaf-390	171	3	of	of	ADP
gujaf-390	171	4	credit	credit	NOUN
gujaf-390	171	5	risk	risk	NOUN
gujaf-390	171	6	measures	measure	NOUN
gujaf-390	171	7	,	,	PUNCT
gujaf-390	171	8	the	the	DET
gujaf-390	171	9	correlation	correlation	NOUN
gujaf-390	171	10	between	between	ADP
gujaf-390	171	11	eps	eps	PROPN
gujaf-390	171	12	and	and	CCONJ
gujaf-390	171	13	the	the	DET
gujaf-390	171	14	ratio	ratio	NOUN
gujaf-390	171	15	of	of	ADP
gujaf-390	171	16	loan	loan	NOUN
gujaf-390	171	17	loss	loss	NOUN
gujaf-390	171	18	provisions	provision	NOUN
gujaf-390	171	19	to	to	PART
gujaf-390	171	20	total	total	ADJ
gujaf-390	171	21	assets	asset	NOUN
gujaf-390	171	22	is	be	AUX
gujaf-390	171	23	weakly	weakly	ADV
gujaf-390	171	24	negative	negative	ADJ
gujaf-390	171	25	,	,	PUNCT
gujaf-390	171	26	pointing	point	VERB
gujaf-390	171	27	to	to	ADP
gujaf-390	171	28	the	the	DET
gujaf-390	171	29	fact	fact	NOUN
gujaf-390	171	30	that	that	SCONJ
gujaf-390	171	31	higher	high	ADJ
gujaf-390	171	32	provisions	provision	NOUN
gujaf-390	171	33	for	for	ADP
gujaf-390	171	34	bad	bad	ADJ
gujaf-390	171	35	loans	loan	NOUN
gujaf-390	171	36	tend	tend	VERB
gujaf-390	171	37	to	to	PART
gujaf-390	171	38	be	be	AUX
gujaf-390	171	39	associated	associate	VERB
gujaf-390	171	40	with	with	ADP
gujaf-390	171	41	lower	low	ADJ
gujaf-390	171	42	profitability	profitability	NOUN
gujaf-390	171	43	.	.	PUNCT
gujaf-390	172	1	similarly	similarly	ADV
gujaf-390	172	2	,	,	PUNCT
gujaf-390	172	3	non	non	ADJ
gujaf-390	172	4	-	-	ADJ
gujaf-390	172	5	performing	performing	ADJ
gujaf-390	172	6	loans	loan	NOUN
gujaf-390	172	7	(	(	PUNCT
gujaf-390	172	8	nplla	nplla	NOUN
gujaf-390	172	9	)	)	PUNCT
gujaf-390	172	10	show	show	VERB
gujaf-390	172	11	a	a	DET
gujaf-390	172	12	weak	weak	ADJ
gujaf-390	172	13	negative	negative	ADJ
gujaf-390	172	14	correlation	correlation	NOUN
gujaf-390	172	15	with	with	ADP
gujaf-390	172	16	eps	eps	PROPN
gujaf-390	172	17	,	,	PUNCT
gujaf-390	172	18	indicating	indicate	VERB
gujaf-390	172	19	that	that	SCONJ
gujaf-390	172	20	a	a	DET
gujaf-390	172	21	higher	high	ADJ
gujaf-390	172	22	proportion	proportion	NOUN
gujaf-390	172	23	of	of	ADP
gujaf-390	172	24	non	non	ADJ
gujaf-390	172	25	-	-	ADJ
gujaf-390	172	26	performing	performing	ADJ
gujaf-390	172	27	loans	loan	NOUN
gujaf-390	172	28	has	have	VERB
gujaf-390	172	29	only	only	ADV
gujaf-390	172	30	a	a	DET
gujaf-390	172	31	slight	slight	ADJ
gujaf-390	172	32	negative	negative	ADJ
gujaf-390	172	33	impact	impact	NOUN
gujaf-390	172	34	on	on	ADP
gujaf-390	172	35	earnings	earning	NOUN
gujaf-390	172	36	.	.	PUNCT
gujaf-390	173	1	the	the	DET
gujaf-390	173	2	correlation	correlation	NOUN
gujaf-390	173	3	between	between	ADP
gujaf-390	173	4	eps	eps	PROPN
gujaf-390	173	5	and	and	CCONJ
gujaf-390	173	6	the	the	DET
gujaf-390	173	7	ratio	ratio	NOUN
gujaf-390	173	8	of	of	ADP
gujaf-390	173	9	total	total	ADJ
gujaf-390	173	10	deposits	deposit	NOUN
gujaf-390	173	11	to	to	PART
gujaf-390	173	12	total	total	ADJ
gujaf-390	173	13	loans	loan	NOUN
gujaf-390	173	14	and	and	CCONJ
gujaf-390	173	15	advances	advance	NOUN
gujaf-390	173	16	is	be	AUX
gujaf-390	173	17	weakly	weakly	ADV
gujaf-390	173	18	positive	positive	ADJ
gujaf-390	173	19	,	,	PUNCT
gujaf-390	173	20	showing	show	VERB
gujaf-390	173	21	that	that	SCONJ
gujaf-390	173	22	this	this	DET
gujaf-390	173	23	liquidity	liquidity	NOUN
gujaf-390	173	24	measure	measure	NOUN
gujaf-390	173	25	has	have	VERB
gujaf-390	173	26	a	a	DET
gujaf-390	173	27	very	very	ADV
gujaf-390	173	28	minor	minor	ADJ
gujaf-390	173	29	influence	influence	NOUN
gujaf-390	173	30	on	on	ADP
gujaf-390	173	31	earnings	earning	NOUN
gujaf-390	173	32	performance	performance	NOUN
gujaf-390	173	33	.	.	PUNCT
gujaf-390	174	1	the	the	DET
gujaf-390	174	2	weak	weak	ADJ
gujaf-390	174	3	correlations	correlation	NOUN
gujaf-390	174	4	suggest	suggest	VERB
gujaf-390	174	5	that	that	SCONJ
gujaf-390	174	6	individual	individual	ADJ
gujaf-390	174	7	factors	factor	NOUN
gujaf-390	174	8	like	like	ADP
gujaf-390	174	9	credit	credit	NOUN
gujaf-390	174	10	risk	risk	NOUN
gujaf-390	174	11	management	management	NOUN
gujaf-390	174	12	,	,	PUNCT
gujaf-390	174	13	market	market	NOUN
gujaf-390	174	14	risk	risk	NOUN
gujaf-390	174	15	management	management	NOUN
gujaf-390	174	16	,	,	PUNCT
gujaf-390	174	17	and	and	CCONJ
gujaf-390	174	18	liquidity	liquidity	NOUN
gujaf-390	174	19	do	do	AUX
gujaf-390	174	20	not	not	PART
gujaf-390	174	21	strongly	strongly	ADV
gujaf-390	174	22	drive	drive	VERB
gujaf-390	174	23	bank	bank	NOUN
gujaf-390	174	24	profitability	profitability	NOUN
gujaf-390	174	25	in	in	ADP
gujaf-390	174	26	isolation	isolation	NOUN
gujaf-390	174	27	.	.	PUNCT
gujaf-390	175	1	rather	rather	ADV
gujaf-390	175	2	,	,	PUNCT
gujaf-390	175	3	the	the	DET
gujaf-390	175	4	complex	complex	ADJ
gujaf-390	175	5	interplay	interplay	NOUN
gujaf-390	175	6	of	of	ADP
gujaf-390	175	7	these	these	DET
gujaf-390	175	8	factors	factor	NOUN
gujaf-390	175	9	might	might	AUX
gujaf-390	175	10	be	be	AUX
gujaf-390	175	11	more	more	ADV
gujaf-390	175	12	effectively	effectively	ADV
gujaf-390	175	13	captured	capture	VERB
gujaf-390	175	14	through	through	ADP
gujaf-390	175	15	multivariate	multivariate	NOUN
gujaf-390	175	16	models	model	NOUN
gujaf-390	175	17	,	,	PUNCT
gujaf-390	175	18	such	such	ADJ
gujaf-390	175	19	as	as	ADP
gujaf-390	175	20	the	the	DET
gujaf-390	175	21	regression	regression	NOUN
gujaf-390	175	22	analysis	analysis	NOUN
gujaf-390	175	23	,	,	PUNCT
gujaf-390	175	24	which	which	PRON
gujaf-390	175	25	can	can	AUX
gujaf-390	175	26	provide	provide	VERB
gujaf-390	175	27	a	a	DET
gujaf-390	175	28	clearer	clear	ADJ
gujaf-390	175	29	picture	picture	NOUN
gujaf-390	175	30	of	of	ADP
gujaf-390	175	31	how	how	SCONJ
gujaf-390	175	32	they	they	PRON
gujaf-390	175	33	influence	influence	VERB
gujaf-390	175	34	earnings	earning	NOUN
gujaf-390	175	35	.	.	PUNCT
gujaf-390	176	1	the	the	DET
gujaf-390	176	2	hausman	hausman	PROPN
gujaf-390	176	3	test	test	NOUN
gujaf-390	176	4	results	result	NOUN
gujaf-390	176	5	(	(	PUNCT
gujaf-390	176	6	table	table	NOUN
gujaf-390	176	7	3	3	NUM
gujaf-390	176	8	)	)	PUNCT
gujaf-390	176	9	support	support	VERB
gujaf-390	176	10	the	the	DET
gujaf-390	176	11	random	random	ADJ
gujaf-390	176	12	effects	effect	NOUN
gujaf-390	176	13	model	model	NOUN
gujaf-390	176	14	,	,	PUNCT
gujaf-390	176	15	given	give	VERB
gujaf-390	176	16	the	the	DET
gujaf-390	176	17	chi	chi	ADJ
gujaf-390	176	18	-	-	PUNCT
gujaf-390	176	19	square	square	ADJ
gujaf-390	176	20	statistic	statistic	NOUN
gujaf-390	176	21	of	of	ADP
gujaf-390	176	22	10.22	10.22	NUM
gujaf-390	176	23	and	and	CCONJ
gujaf-390	176	24	an	an	DET
gujaf-390	176	25	associated	associated	ADJ
gujaf-390	176	26	p	p	NOUN
gujaf-390	176	27	-	-	PUNCT
gujaf-390	176	28	value	value	NOUN
gujaf-390	176	29	of	of	ADP
gujaf-390	176	30	0.2497	0.2497	NUM
gujaf-390	176	31	,	,	PUNCT
gujaf-390	176	32	which	which	PRON
gujaf-390	176	33	is	be	AUX
gujaf-390	176	34	greater	great	ADJ
gujaf-390	176	35	than	than	ADP
gujaf-390	176	36	the	the	DET
gujaf-390	176	37	conventional	conventional	ADJ
gujaf-390	176	38	5	5	NUM
gujaf-390	176	39	%	%	NOUN
gujaf-390	176	40	significance	significance	NOUN
gujaf-390	176	41	level	level	NOUN
gujaf-390	176	42	.	.	PUNCT
gujaf-390	177	1	this	this	PRON
gujaf-390	177	2	implies	imply	VERB
gujaf-390	177	3	that	that	SCONJ
gujaf-390	177	4	the	the	DET
gujaf-390	177	5	individual	individual	ADJ
gujaf-390	177	6	-	-	PUNCT
gujaf-390	177	7	specific	specific	ADJ
gujaf-390	177	8	effects	effect	NOUN
gujaf-390	177	9	are	be	AUX
gujaf-390	177	10	uncorrelated	uncorrelate	VERB
gujaf-390	177	11	with	with	ADP
gujaf-390	177	12	the	the	DET
gujaf-390	177	13	regressors	regressor	NOUN
gujaf-390	177	14	,	,	PUNCT
gujaf-390	177	15	making	make	VERB
gujaf-390	177	16	the	the	DET
gujaf-390	177	17	random	random	ADJ
gujaf-390	177	18	effects	effect	NOUN
gujaf-390	177	19	model	model	VERB
gujaf-390	177	20	more	more	ADV
gujaf-390	177	21	appropriate	appropriate	ADJ
gujaf-390	177	22	for	for	ADP
gujaf-390	177	23	efficient	efficient	ADJ
gujaf-390	177	24	estimation	estimation	NOUN
gujaf-390	177	25	.	.	PUNCT
gujaf-390	178	1	nevertheless	nevertheless	ADV
gujaf-390	178	2	,	,	PUNCT
gujaf-390	178	3	both	both	DET
gujaf-390	178	4	fixed	fix	VERB
gujaf-390	178	5	and	and	CCONJ
gujaf-390	178	6	random	random	ADJ
gujaf-390	178	7	effects	effect	NOUN
gujaf-390	178	8	estimation	estimation	NOUN
gujaf-390	178	9	results	result	NOUN
gujaf-390	178	10	are	be	AUX
gujaf-390	178	11	presented	present	VERB
gujaf-390	178	12	in	in	ADP
gujaf-390	178	13	table	table	NOUN
gujaf-390	178	14	4	4	NUM
gujaf-390	178	15	to	to	PART
gujaf-390	178	16	provide	provide	VERB
gujaf-390	178	17	a	a	DET
gujaf-390	178	18	comparative	comparative	ADJ
gujaf-390	178	19	understanding	understanding	NOUN
gujaf-390	178	20	.	.	PUNCT
gujaf-390	179	1	the	the	DET
gujaf-390	179	2	fixed	fix	VERB
gujaf-390	179	3	effects	effect	NOUN
gujaf-390	179	4	results	result	NOUN
gujaf-390	179	5	show	show	VERB
gujaf-390	179	6	that	that	SCONJ
gujaf-390	179	7	nplla	nplla	NOUN
gujaf-390	179	8	and	and	CCONJ
gujaf-390	179	9	llpta	llpta	NOUN
gujaf-390	179	10	have	have	VERB
gujaf-390	179	11	significant	significant	ADJ
gujaf-390	179	12	negative	negative	ADJ
gujaf-390	179	13	impacts	impact	NOUN
gujaf-390	179	14	on	on	ADP
gujaf-390	179	15	eps	ep	NOUN
gujaf-390	179	16	,	,	PUNCT
gujaf-390	179	17	significant	significant	ADJ
gujaf-390	179	18	at	at	ADP
gujaf-390	179	19	5	5	NUM
gujaf-390	179	20	%	%	NOUN
gujaf-390	179	21	and	and	CCONJ
gujaf-390	179	22	10	10	NUM
gujaf-390	179	23	%	%	NOUN
gujaf-390	179	24	respectively	respectively	ADV
gujaf-390	179	25	,	,	PUNCT
gujaf-390	179	26	suggesting	suggest	VERB
gujaf-390	179	27	that	that	SCONJ
gujaf-390	179	28	a	a	DET
gujaf-390	179	29	higher	high	ADJ
gujaf-390	179	30	incidence	incidence	NOUN
gujaf-390	179	31	of	of	ADP
gujaf-390	179	32	bad	bad	ADJ
gujaf-390	179	33	loans	loan	NOUN
gujaf-390	179	34	and	and	CCONJ
gujaf-390	179	35	greater	great	ADJ
gujaf-390	179	36	loan	loan	NOUN
gujaf-390	179	37	loss	loss	NOUN
gujaf-390	179	38	provisions	provision	NOUN
gujaf-390	179	39	depress	depress	VERB
gujaf-390	179	40	bank	bank	NOUN
gujaf-390	179	41	profitability	profitability	NOUN
gujaf-390	179	42	.	.	PUNCT
gujaf-390	180	1	latd	latd	NOUN
gujaf-390	180	2	and	and	CCONJ
gujaf-390	180	3	tdla	tdla	NOUN
gujaf-390	180	4	have	have	VERB
gujaf-390	180	5	significant	significant	ADJ
gujaf-390	180	6	positive	positive	ADJ
gujaf-390	180	7	effects	effect	NOUN
gujaf-390	180	8	,	,	PUNCT
gujaf-390	180	9	indicating	indicate	VERB
gujaf-390	180	10	that	that	SCONJ
gujaf-390	180	11	banks	bank	NOUN
gujaf-390	180	12	with	with	ADP
gujaf-390	180	13	a	a	DET
gujaf-390	180	14	higher	high	ADJ
gujaf-390	180	15	ratio	ratio	NOUN
gujaf-390	180	16	of	of	ADP
gujaf-390	180	17	loans	loan	NOUN
gujaf-390	180	18	to	to	ADP
gujaf-390	180	19	deposits	deposit	NOUN
gujaf-390	180	20	,	,	PUNCT
gujaf-390	180	21	and	and	CCONJ
gujaf-390	180	22	vice	vice	ADV
gujaf-390	180	23	versa	versa	ADV
gujaf-390	180	24	,	,	PUNCT
gujaf-390	180	25	are	be	AUX
gujaf-390	180	26	more	more	ADV
gujaf-390	180	27	profitable	profitable	ADJ
gujaf-390	180	28	.	.	PUNCT
gujaf-390	181	1	fer	fer	PROPN
gujaf-390	181	2	exerts	exert	VERB
gujaf-390	181	3	a	a	DET
gujaf-390	181	4	highly	highly	ADV
gujaf-390	181	5	significant	significant	ADJ
gujaf-390	181	6	negative	negative	ADJ
gujaf-390	181	7	influence	influence	NOUN
gujaf-390	181	8	on	on	ADP
gujaf-390	181	9	eps	eps	PROPN
gujaf-390	181	10	at	at	ADP
gujaf-390	181	11	the	the	DET
gujaf-390	181	12	1	1	NUM
gujaf-390	181	13	%	%	NOUN
gujaf-390	181	14	level	level	NOUN
gujaf-390	181	15	,	,	PUNCT
gujaf-390	181	16	underlining	underline	VERB
gujaf-390	181	17	the	the	DET
gujaf-390	181	18	vulnerability	vulnerability	NOUN
gujaf-390	181	19	of	of	ADP
gujaf-390	181	20	bank	bank	NOUN
gujaf-390	181	21	earnings	earning	NOUN
gujaf-390	181	22	to	to	PART
gujaf-390	181	23	exchange	exchange	VERB
gujaf-390	181	24	rate	rate	NOUN
gujaf-390	181	25	volatility	volatility	NOUN
gujaf-390	181	26	.	.	PUNCT
gujaf-390	182	1	the	the	DET
gujaf-390	182	2	size	size	NOUN
gujaf-390	182	3	of	of	ADP
gujaf-390	182	4	the	the	DET
gujaf-390	182	5	bank	bank	NOUN
gujaf-390	182	6	positively	positively	ADV
gujaf-390	182	7	influences	influence	VERB
gujaf-390	182	8	eps	ep	NOUN
gujaf-390	182	9	significantly	significantly	ADV
gujaf-390	182	10	,	,	PUNCT
gujaf-390	182	11	implying	imply	VERB
gujaf-390	182	12	that	that	SCONJ
gujaf-390	182	13	larger	large	ADJ
gujaf-390	182	14	banks	bank	NOUN
gujaf-390	182	15	enjoy	enjoy	VERB
gujaf-390	182	16	economies	economy	NOUN
gujaf-390	182	17	of	of	ADP
gujaf-390	182	18	scale	scale	NOUN
gujaf-390	182	19	and	and	CCONJ
gujaf-390	182	20	better	well	ADJ
gujaf-390	182	21	earnings	earning	NOUN
gujaf-390	182	22	performance	performance	NOUN
gujaf-390	182	23	.	.	PUNCT
gujaf-390	183	1	in	in	ADP
gujaf-390	183	2	the	the	DET
gujaf-390	183	3	random	random	ADJ
gujaf-390	183	4	effects	effect	NOUN
gujaf-390	183	5	model	model	NOUN
gujaf-390	183	6	,	,	PUNCT
gujaf-390	183	7	which	which	PRON
gujaf-390	183	8	is	be	AUX
gujaf-390	183	9	preferred	prefer	VERB
gujaf-390	183	10	based	base	VERB
gujaf-390	183	11	on	on	ADP
gujaf-390	183	12	the	the	DET
gujaf-390	183	13	hausman	hausman	PROPN
gujaf-390	183	14	test	test	NOUN
gujaf-390	183	15	,	,	PUNCT
gujaf-390	183	16	the	the	DET
gujaf-390	183	17	general	general	ADJ
gujaf-390	183	18	findings	finding	NOUN
gujaf-390	183	19	are	be	AUX
gujaf-390	183	20	consistent	consistent	ADJ
gujaf-390	183	21	with	with	ADP
gujaf-390	183	22	those	those	PRON
gujaf-390	183	23	of	of	ADP
gujaf-390	183	24	the	the	DET
gujaf-390	183	25	fixed	fix	VERB
gujaf-390	183	26	effects	effect	NOUN
gujaf-390	183	27	model	model	NOUN
gujaf-390	183	28	but	but	CCONJ
gujaf-390	183	29	show	show	VERB
gujaf-390	183	30	slightly	slightly	ADV
gujaf-390	183	31	stronger	strong	ADJ
gujaf-390	183	32	explanatory	explanatory	ADJ
gujaf-390	183	33	power	power	NOUN
gujaf-390	183	34	,	,	PUNCT
gujaf-390	183	35	reflected	reflect	VERB
gujaf-390	183	36	by	by	ADP
gujaf-390	183	37	an	an	DET
gujaf-390	183	38	r	r	NOUN
gujaf-390	183	39	-	-	PUNCT
gujaf-390	183	40	squared	square	VERB
gujaf-390	183	41	value	value	NOUN
gujaf-390	183	42	of	of	ADP
gujaf-390	183	43	0.78	0.78	NUM
gujaf-390	183	44	compared	compare	VERB
gujaf-390	183	45	to	to	ADP
gujaf-390	183	46	0.64	0.64	NUM
gujaf-390	183	47	in	in	ADP
gujaf-390	183	48	the	the	DET
gujaf-390	183	49	fixed	fix	VERB
gujaf-390	183	50	effects	effect	NOUN
gujaf-390	183	51	model	model	NOUN
gujaf-390	183	52	.	.	PUNCT
gujaf-390	184	1	in	in	ADP
gujaf-390	184	2	this	this	DET
gujaf-390	184	3	specification	specification	NOUN
gujaf-390	184	4	,	,	PUNCT
gujaf-390	184	5	nplla	nplla	NOUN
gujaf-390	184	6	remains	remain	VERB
gujaf-390	184	7	negatively	negatively	ADV
gujaf-390	184	8	significant	significant	ADJ
gujaf-390	184	9	at	at	ADP
gujaf-390	184	10	the	the	DET
gujaf-390	184	11	10	10	NUM
gujaf-390	184	12	%	%	NOUN
gujaf-390	184	13	level	level	NOUN
gujaf-390	184	14	,	,	PUNCT
gujaf-390	184	15	llpta	llpta	NOUN
gujaf-390	184	16	is	be	AUX
gujaf-390	184	17	negatively	negatively	ADV
gujaf-390	184	18	significant	significant	ADJ
gujaf-390	184	19	at	at	ADP
gujaf-390	184	20	the	the	DET
gujaf-390	184	21	5	5	NUM
gujaf-390	184	22	%	%	NOUN
gujaf-390	184	23	level	level	NOUN
gujaf-390	184	24	,	,	PUNCT
gujaf-390	184	25	while	while	SCONJ
gujaf-390	184	26	latd	latd	NOUN
gujaf-390	184	27	and	and	CCONJ
gujaf-390	184	28	tdla	tdla	NOUN
gujaf-390	184	29	maintain	maintain	VERB
gujaf-390	184	30	their	their	PRON
gujaf-390	184	31	positive	positive	ADJ
gujaf-390	184	32	and	and	CCONJ
gujaf-390	184	33	significant	significant	ADJ
gujaf-390	184	34	influence	influence	NOUN
gujaf-390	184	35	.	.	PUNCT
gujaf-390	185	1	fer	fer	PROPN
gujaf-390	185	2	continues	continue	VERB
gujaf-390	185	3	to	to	PART
gujaf-390	185	4	demonstrate	demonstrate	VERB
gujaf-390	185	5	a	a	DET
gujaf-390	185	6	strong	strong	ADJ
gujaf-390	185	7	negative	negative	ADJ
gujaf-390	185	8	impact	impact	NOUN
gujaf-390	185	9	on	on	ADP
gujaf-390	185	10	eps	eps	PROPN
gujaf-390	185	11	at	at	ADP
gujaf-390	185	12	the	the	DET
gujaf-390	185	13	1	1	NUM
gujaf-390	185	14	%	%	NOUN
gujaf-390	185	15	level	level	NOUN
gujaf-390	185	16	.	.	PUNCT
gujaf-390	186	1	interestingly	interestingly	ADV
gujaf-390	186	2	,	,	PUNCT
gujaf-390	186	3	cash	cash	NOUN
gujaf-390	186	4	holdings	holding	NOUN
gujaf-390	186	5	and	and	CCONJ
gujaf-390	186	6	interest	interest	NOUN
gujaf-390	186	7	sensitivity	sensitivity	NOUN
gujaf-390	186	8	(	(	PUNCT
gujaf-390	186	9	int	int	NOUN
gujaf-390	186	10	)	)	PUNCT
gujaf-390	186	11	remain	remain	VERB
gujaf-390	186	12	statistically	statistically	ADV
gujaf-390	186	13	insignificant	insignificant	ADJ
gujaf-390	186	14	in	in	ADP
gujaf-390	186	15	both	both	DET
gujaf-390	186	16	models	model	NOUN
gujaf-390	186	17	,	,	PUNCT
gujaf-390	186	18	suggesting	suggest	VERB
gujaf-390	186	19	that	that	SCONJ
gujaf-390	186	20	,	,	PUNCT
gujaf-390	186	21	within	within	ADP
gujaf-390	186	22	the	the	DET
gujaf-390	186	23	sample	sample	NOUN
gujaf-390	186	24	period	period	NOUN
gujaf-390	186	25	and	and	CCONJ
gujaf-390	186	26	structure	structure	NOUN
gujaf-390	186	27	,	,	PUNCT
gujaf-390	186	28	liquidity	liquidity	NOUN
gujaf-390	186	29	in	in	ADP
gujaf-390	186	30	the	the	DET
gujaf-390	186	31	form	form	NOUN
gujaf-390	186	32	of	of	ADP
gujaf-390	186	33	cash	cash	NOUN
gujaf-390	186	34	and	and	CCONJ
gujaf-390	186	35	sensitivity	sensitivity	NOUN
gujaf-390	186	36	to	to	ADP
gujaf-390	186	37	interest	interest	NOUN
gujaf-390	186	38	rate	rate	NOUN
gujaf-390	186	39	changes	change	NOUN
gujaf-390	186	40	do	do	AUX
gujaf-390	186	41	not	not	PART
gujaf-390	186	42	materially	materially	ADV
gujaf-390	186	43	influence	influence	VERB
gujaf-390	186	44	eps	ep	NOUN
gujaf-390	186	45	outcomes	outcome	NOUN
gujaf-390	186	46	.	.	PUNCT
gujaf-390	187	1	overall	overall	ADV
gujaf-390	187	2	,	,	PUNCT
gujaf-390	187	3	the	the	DET
gujaf-390	187	4	results	result	NOUN
gujaf-390	187	5	emphasize	emphasize	VERB
gujaf-390	187	6	the	the	DET
gujaf-390	187	7	critical	critical	ADJ
gujaf-390	187	8	role	role	NOUN
gujaf-390	187	9	of	of	ADP
gujaf-390	187	10	effective	effective	ADJ
gujaf-390	187	11	credit	credit	NOUN
gujaf-390	187	12	risk	risk	NOUN
gujaf-390	187	13	management	management	NOUN
gujaf-390	187	14	,	,	PUNCT
gujaf-390	187	15	particularly	particularly	ADV
gujaf-390	187	16	the	the	DET
gujaf-390	187	17	control	control	NOUN
gujaf-390	187	18	of	of	ADP
gujaf-390	187	19	non	non	ADJ
gujaf-390	187	20	-	-	ADJ
gujaf-390	187	21	performing	performing	ADJ
gujaf-390	187	22	loans	loan	NOUN
gujaf-390	187	23	and	and	CCONJ
gujaf-390	187	24	provisioning	provisioning	NOUN
gujaf-390	187	25	practices	practice	NOUN
gujaf-390	187	26	,	,	PUNCT
gujaf-390	187	27	in	in	ADP
gujaf-390	187	28	enhancing	enhance	VERB
gujaf-390	187	29	bank	bank	NOUN
gujaf-390	187	30	profitability	profitability	NOUN
gujaf-390	187	31	.	.	PUNCT
gujaf-390	188	1	market	market	NOUN
gujaf-390	188	2	risks	risk	NOUN
gujaf-390	188	3	,	,	PUNCT
gujaf-390	188	4	particularly	particularly	ADV
gujaf-390	188	5	foreign	foreign	ADJ
gujaf-390	188	6	exchange	exchange	NOUN
gujaf-390	188	7	exposure	exposure	NOUN
gujaf-390	188	8	,	,	PUNCT
gujaf-390	188	9	also	also	ADV
gujaf-390	188	10	emerge	emerge	VERB
gujaf-390	188	11	as	as	ADP
gujaf-390	188	12	important	important	ADJ
gujaf-390	188	13	factors	factor	NOUN
gujaf-390	188	14	adversely	adversely	ADV
gujaf-390	188	15	affecting	affect	VERB
gujaf-390	188	16	earnings	earning	NOUN
gujaf-390	188	17	.	.	PUNCT
gujaf-390	189	1	liquidity	liquidity	NOUN
gujaf-390	189	2	management	management	NOUN
gujaf-390	189	3	,	,	PUNCT
gujaf-390	189	4	except	except	SCONJ
gujaf-390	189	5	for	for	ADP
gujaf-390	189	6	bank	bank	NOUN
gujaf-390	189	7	size	size	NOUN
gujaf-390	189	8	,	,	PUNCT
gujaf-390	189	9	show	show	VERB
gujaf-390	189	10	weaker	weak	ADJ
gujaf-390	189	11	explanatory	explanatory	ADJ
gujaf-390	189	12	power	power	NOUN
gujaf-390	189	13	.	.	PUNCT
gujaf-390	190	1	the	the	DET
gujaf-390	190	2	significant	significant	ADJ
gujaf-390	190	3	positive	positive	ADJ
gujaf-390	190	4	impact	impact	NOUN
gujaf-390	190	5	of	of	ADP
gujaf-390	190	6	bank	bank	NOUN
gujaf-390	190	7	size	size	NOUN
gujaf-390	190	8	suggests	suggest	VERB
gujaf-390	190	9	that	that	SCONJ
gujaf-390	190	10	larger	large	ADJ
gujaf-390	190	11	institutions	institution	NOUN
gujaf-390	190	12	have	have	VERB
gujaf-390	190	13	better	well	ADJ
gujaf-390	190	14	risk	risk	NOUN
gujaf-390	190	15	management	management	NOUN
gujaf-390	190	16	capabilities	capability	NOUN
gujaf-390	190	17	or	or	CCONJ
gujaf-390	190	18	diversified	diversified	ADJ
gujaf-390	190	19	operations	operation	NOUN
gujaf-390	190	20	that	that	PRON
gujaf-390	190	21	buffer	buffer	VERB
gujaf-390	190	22	against	against	ADP
gujaf-390	190	23	earnings	earning	NOUN
gujaf-390	190	24	volatility	volatility	NOUN
gujaf-390	190	25	.	.	PUNCT
gujaf-390	191	1	gusau	gusau	ADJ
gujaf-390	191	2	journal	journal	PROPN
gujaf-390	191	3	of	of	ADP
gujaf-390	191	4	accounting	accounting	NOUN
gujaf-390	191	5	and	and	CCONJ
gujaf-390	191	6	finance	finance	NOUN
gujaf-390	191	7	,	,	PUNCT
gujaf-390	191	8	vol.6	vol.6	PROPN
gujaf-390	191	9	,	,	PUNCT
gujaf-390	191	10	issue	issue	NOUN
gujaf-390	191	11	1	1	NUM
gujaf-390	191	12	,	,	PUNCT
gujaf-390	191	13	april	april	PROPN
gujaf-390	191	14	,	,	PUNCT
gujaf-390	191	15	2025	2025	NUM
gujaf-390	191	16	370	370	NUM
gujaf-390	191	17	table	table	NOUN
gujaf-390	191	18	1	1	NUM
gujaf-390	191	19	:	:	PUNCT
gujaf-390	191	20	descriptive	descriptive	ADJ
gujaf-390	191	21	statistics	statistic	NOUN
gujaf-390	191	22	variables	variable	NOUN
gujaf-390	191	23	mean	mean	VERB
gujaf-390	191	24	std	std	X
gujaf-390	191	25	.	.	PROPN
gujaf-390	192	1	dev	dev	PROPN
gujaf-390	192	2	.	.	PROPN
gujaf-390	193	1	skewness	skewness	PROPN
gujaf-390	193	2	kurtosis	kurtosis	VERB
gujaf-390	193	3	jarque	jarque	NOUN
gujaf-390	193	4	-	-	PUNCT
gujaf-390	193	5	bera	bera	NOUN
gujaf-390	193	6	probability	probability	NOUN
gujaf-390	193	7	bks	bks	NOUN
gujaf-390	193	8	5.899	5.899	NUM
gujaf-390	193	9	0.466	0.466	NUM
gujaf-390	193	10	0.51	0.51	NUM
gujaf-390	193	11	5.808	5.808	NUM
gujaf-390	193	12	64.327	64.327	NUM
gujaf-390	193	13	0.0000	0.0000	NUM
gujaf-390	193	14	cash	cash	NOUN
gujaf-390	193	15	0.135	0.135	NUM
gujaf-390	193	16	0.144	0.144	NUM
gujaf-390	193	17	6.166	6.166	NUM
gujaf-390	193	18	59.239	59.239	NUM
gujaf-390	193	19	23894.38	23894.38	NUM
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gujaf-390	193	21	eps	ep	VERB
gujaf-390	193	22	5.439	5.439	NUM
gujaf-390	193	23	20.659	20.659	NUM
gujaf-390	193	24	6.173	6.173	NUM
gujaf-390	193	25	45.285	45.285	NUM
gujaf-390	193	26	13987.03	13987.03	NUM
gujaf-390	193	27	0.0000	0.0000	NUM
gujaf-390	193	28	fer	fer	VERB
gujaf-390	193	29	0.121	0.121	NUM
gujaf-390	193	30	0.33	0.33	NUM
gujaf-390	193	31	-4.263	-4.263	PROPN
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gujaf-390	193	35	int	int	NOUN
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gujaf-390	193	38	-2.305	-2.305	NOUN
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gujaf-390	193	40	466.379	466.379	NUM
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gujaf-390	193	42	latd	latd	NOUN
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gujaf-390	193	44	1.86e+09	1.86e+09	NUM
gujaf-390	193	45	13.012	13.012	NUM
gujaf-390	193	46	170.543	170.543	NUM
gujaf-390	193	47	207225.1	207225.1	NUM
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gujaf-390	193	49	llpta	llpta	VERB
gujaf-390	193	50	5.604	5.604	NUM
gujaf-390	193	51	9.834	9.834	NUM
gujaf-390	193	52	2.666	2.666	NUM
gujaf-390	193	53	11.765	11.765	NUM
gujaf-390	193	54	758.82	758.82	NUM
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gujaf-390	193	56	nplla	nplla	NOUN
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gujaf-390	193	58	1.732	1.732	NUM
gujaf-390	193	59	2.624	2.624	NUM
gujaf-390	193	60	10.878	10.878	NUM
gujaf-390	193	61	646.001	646.001	NUM
gujaf-390	193	62	0.0000	0.0000	NUM
gujaf-390	193	63	roa	roa	NOUN
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gujaf-390	193	66	-3.284	-3.284	PROPN
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gujaf-390	193	68	3820.612	3820.612	NUM
gujaf-390	193	69	0.0000	0.0000	NUM
gujaf-390	193	70	roe	roe	NOUN
gujaf-390	193	71	0.057	0.057	NUM
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gujaf-390	193	73	-2.509	-2.509	NOUN
gujaf-390	193	74	25.383	25.383	NUM
gujaf-390	193	75	3792.876	3792.876	NUM
gujaf-390	193	76	0.0000	0.0000	NUM
gujaf-390	193	77	tdla	tdla	NOUN
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gujaf-390	193	80	12.716	12.716	NUM
gujaf-390	193	81	165.239	165.239	NUM
gujaf-390	193	82	194396.6	194396.6	NUM
gujaf-390	193	83	0.0000	0.0000	NUM
gujaf-390	193	84	source	source	NOUN
gujaf-390	193	85	:	:	PUNCT
gujaf-390	193	86	author	author	NOUN
gujaf-390	193	87	(	(	PUNCT
gujaf-390	193	88	2025	2025	NUM
gujaf-390	193	89	)	)	PUNCT
gujaf-390	193	90	table	table	NOUN
gujaf-390	193	91	2	2	NUM
gujaf-390	193	92	:	:	PUNCT
gujaf-390	193	93	correlation	correlation	NOUN
gujaf-390	193	94	coefficients	coefficient	NOUN
gujaf-390	193	95	correlation	correlation	NOUN
gujaf-390	193	96	bks	bks	NOUN
gujaf-390	193	97	cash	cash	PROPN
gujaf-390	193	98	eps	eps	PROPN
gujaf-390	193	99	fer	fer	PROPN
gujaf-390	193	100	int	int	PROPN
gujaf-390	193	101	latd	latd	PROPN
gujaf-390	193	102	llpta	llpta	PROPN
gujaf-390	193	103	nplla	nplla	PROPN
gujaf-390	193	104	tdla	tdla	NOUN
gujaf-390	193	105	bks	bks	VERB
gujaf-390	193	106	1.00	1.00	NUM
gujaf-390	193	107	cash	cash	NOUN
gujaf-390	193	108	0.06	0.06	NUM
gujaf-390	193	109	1.00	1.00	NUM
gujaf-390	193	110	eps	ep	NOUN
gujaf-390	193	111	-0.08	-0.08	NUM
gujaf-390	193	112	-0.05	-0.05	NUM
gujaf-390	193	113	1.00	1.00	NUM
gujaf-390	193	114	fer	fer	PROPN
gujaf-390	193	115	-0.03	-0.03	NUM
gujaf-390	193	116	0.02	0.02	NUM
gujaf-390	193	117	-0.02	-0.02	NUM
gujaf-390	193	118	1.00	1.00	NUM
gujaf-390	193	119	int	int	NOUN
gujaf-390	193	120	0.19	0.19	NUM
gujaf-390	193	121	0.13	0.13	NUM
gujaf-390	193	122	0.01	0.01	NUM
gujaf-390	193	123	0.06	0.06	NUM
gujaf-390	193	124	1.00	1.00	NUM
gujaf-390	193	125	latd	latd	NOUN
gujaf-390	193	126	0.09	0.09	NUM
gujaf-390	193	127	-0.01	-0.01	NUM
gujaf-390	193	128	-0.02	-0.02	NUM
gujaf-390	193	129	-0.02	-0.02	NUM
gujaf-390	193	130	0.01	0.01	NUM
gujaf-390	193	131	1.00	1.00	NUM
gujaf-390	193	132	llpta	llpta	NOUN
gujaf-390	193	133	0.26	0.26	NUM
gujaf-390	193	134	0.00	0.00	NUM
gujaf-390	193	135	-0.11	-0.11	NUM
gujaf-390	193	136	-0.09	-0.09	NUM
gujaf-390	193	137	0.15	0.15	NUM
gujaf-390	193	138	0.04	0.04	NUM
gujaf-390	193	139	1.00	1.00	NUM
gujaf-390	193	140	nplla	nplla	NOUN
gujaf-390	193	141	0.25	0.25	NUM
gujaf-390	193	142	-0.01	-0.01	NUM
gujaf-390	193	143	-0.04	-0.04	NUM
gujaf-390	193	144	-0.15	-0.15	NUM
gujaf-390	193	145	0.20	0.20	NUM
gujaf-390	193	146	-0.03	-0.03	NUM
gujaf-390	193	147	0.54	0.54	NUM
gujaf-390	193	148	1.00	1.00	NUM
gujaf-390	193	149	roa	roa	NOUN
gujaf-390	193	150	0.24	0.24	NUM
gujaf-390	193	151	0.00	0.00	NUM
gujaf-390	193	152	-0.12	-0.12	NUM
gujaf-390	193	153	-0.03	-0.03	NUM
gujaf-390	193	154	0.01	0.01	NUM
gujaf-390	193	155	0.04	0.04	NUM
gujaf-390	193	156	0.06	0.06	NUM
gujaf-390	193	157	0.04	0.04	NUM
gujaf-390	193	158	roe	roe	NOUN
gujaf-390	193	159	0.06	0.06	NUM
gujaf-390	193	160	0.07	0.07	NUM
gujaf-390	193	161	-0.07	-0.07	NUM
gujaf-390	193	162	-0.07	-0.07	NUM
gujaf-390	193	163	-0.02	-0.02	NUM
gujaf-390	193	164	0.02	0.02	NUM
gujaf-390	193	165	0.07	0.07	NUM
gujaf-390	193	166	0.07	0.07	NUM
gujaf-390	193	167	tdla	tdla	NOUN
gujaf-390	193	168	0.04	0.04	NUM
gujaf-390	193	169	-0.03	-0.03	NUM
gujaf-390	193	170	-0.03	-0.03	NUM
gujaf-390	193	171	0.03	0.03	NUM
gujaf-390	193	172	0.02	0.02	NUM
gujaf-390	193	173	-0.01	-0.01	NUM
gujaf-390	193	174	0.02	0.02	NUM
gujaf-390	193	175	0.03	0.03	NUM
gujaf-390	193	176	1.00	1.00	NUM
gujaf-390	193	177	source	source	NOUN
gujaf-390	193	178	:	:	PUNCT
gujaf-390	193	179	author	author	NOUN
gujaf-390	193	180	(	(	PUNCT
gujaf-390	193	181	2025	2025	NUM
gujaf-390	193	182	)	)	PUNCT
gujaf-390	193	183	.	.	PUNCT
gujaf-390	194	1	table	table	NOUN
gujaf-390	194	2	3	3	NUM
gujaf-390	194	3	:	:	PUNCT
gujaf-390	194	4	result	result	NOUN
gujaf-390	194	5	of	of	ADP
gujaf-390	194	6	hausman	hausman	PROPN
gujaf-390	194	7	test	test	NOUN
gujaf-390	194	8	model	model	PROPN
gujaf-390	194	9	chi	chi	PROPN
gujaf-390	194	10	-	-	PUNCT
gujaf-390	194	11	statistics	statistic	NOUN
gujaf-390	194	12	p	p	ADJ
gujaf-390	194	13	-	-	PUNCT
gujaf-390	194	14	value	value	NOUN
gujaf-390	194	15	fixedeps	fixedep	NOUN
gujaf-390	194	16	10.22	10.22	NUM
gujaf-390	194	17	0.2497	0.2497	NUM
gujaf-390	194	18	table	table	NOUN
gujaf-390	194	19	4	4	NUM
gujaf-390	194	20	fixed	fixed	ADJ
gujaf-390	194	21	and	and	CCONJ
gujaf-390	194	22	random	random	ADJ
gujaf-390	194	23	effect	effect	NOUN
gujaf-390	194	24	estimation	estimation	NOUN
gujaf-390	194	25	of	of	ADP
gujaf-390	194	26	eps	eps	PROPN
gujaf-390	194	27	variables	variable	NOUN
gujaf-390	194	28	fixed	fix	VERB
gujaf-390	194	29	effect	effect	NOUN
gujaf-390	194	30	random	random	ADJ
gujaf-390	194	31	effect	effect	NOUN
gujaf-390	194	32	constant	constant	ADJ
gujaf-390	194	33	5.54	5.54	NUM
gujaf-390	194	34	(	(	PUNCT
gujaf-390	194	35	22.8	22.8	NUM
gujaf-390	194	36	)	)	PUNCT
gujaf-390	194	37	17.5	17.5	NUM
gujaf-390	194	38	(	(	PUNCT
gujaf-390	194	39	19.6	19.6	NUM
gujaf-390	194	40	)	)	PUNCT
gujaf-390	194	41	nplla	nplla	NOUN
gujaf-390	194	42	-0.52	-0.52	NOUN
gujaf-390	194	43	*	*	PUNCT
gujaf-390	194	44	*	*	PUNCT
gujaf-390	194	45	(	(	PUNCT
gujaf-390	194	46	0.16	0.16	NUM
gujaf-390	194	47	)	)	PUNCT
gujaf-390	194	48	-0.25	-0.25	NUM
gujaf-390	194	49	*	*	PUNCT
gujaf-390	194	50	(	(	PUNCT
gujaf-390	194	51	0.11	0.11	NUM
gujaf-390	194	52	)	)	PUNCT
gujaf-390	194	53	llpta	llpta	NOUN
gujaf-390	194	54	-0.49	-0.49	VERB
gujaf-390	194	55	*	*	PUNCT
gujaf-390	194	56	(	(	PUNCT
gujaf-390	194	57	0.22	0.22	NUM
gujaf-390	194	58	)	)	PUNCT
gujaf-390	194	59	-0.60	-0.60	NUM
gujaf-390	194	60	*	*	SYM
gujaf-390	194	61	*	*	PUNCT
gujaf-390	194	62	(	(	PUNCT
gujaf-390	194	63	0.29	0.29	NUM
gujaf-390	194	64	)	)	PUNCT
gujaf-390	194	65	latd	latd	NOUN
gujaf-390	194	66	1.03	1.03	NUM
gujaf-390	194	67	*	*	SYM
gujaf-390	194	68	(	(	PUNCT
gujaf-390	194	69	0.41	0.41	NUM
gujaf-390	194	70	)	)	PUNCT
gujaf-390	194	71	1.32	1.32	NUM
gujaf-390	194	72	*	*	PUNCT
gujaf-390	194	73	*	*	PUNCT
gujaf-390	194	74	*	*	PUNCT
gujaf-390	194	75	(	(	PUNCT
gujaf-390	194	76	0.35	0.35	NUM
gujaf-390	194	77	)	)	PUNCT
gujaf-390	194	78	tdla	tdla	NOUN
gujaf-390	194	79	1.68	1.68	NUM
gujaf-390	194	80	*	*	SYM
gujaf-390	194	81	(	(	PUNCT
gujaf-390	194	82	0.70	0.70	NUM
gujaf-390	194	83	)	)	PUNCT
gujaf-390	194	84	1.65	1.65	NUM
gujaf-390	194	85	*	*	SYM
gujaf-390	194	86	(	(	PUNCT
gujaf-390	194	87	0.72	0.72	NUM
gujaf-390	194	88	)	)	PUNCT
gujaf-390	194	89	int	int	NOUN
gujaf-390	194	90	2.16	2.16	NUM
gujaf-390	194	91	(	(	PUNCT
gujaf-390	194	92	3.88	3.88	NUM
gujaf-390	194	93	)	)	PUNCT
gujaf-390	194	94	1.61	1.61	NUM
gujaf-390	194	95	(	(	PUNCT
gujaf-390	194	96	2.51	2.51	NUM
gujaf-390	194	97	)	)	PUNCT
gujaf-390	194	98	fer	fer	PROPN
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gujaf-390	194	100	*	*	PROPN
gujaf-390	194	101	*	*	PUNCT
gujaf-390	194	102	*	*	PUNCT
gujaf-390	194	103	(	(	PUNCT
gujaf-390	194	104	2.93	2.93	NUM
gujaf-390	194	105	)	)	PUNCT
gujaf-390	194	106	-5.75	-5.75	NOUN
gujaf-390	194	107	*	*	PUNCT
gujaf-390	194	108	*	*	PUNCT
gujaf-390	194	109	*	*	PUNCT
gujaf-390	194	110	(	(	PUNCT
gujaf-390	194	111	2.23	2.23	NUM
gujaf-390	194	112	)	)	PUNCT
gujaf-390	194	113	cash	cash	NOUN
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gujaf-390	194	115	(	(	PUNCT
gujaf-390	194	116	5.20	5.20	NUM
gujaf-390	194	117	)	)	PUNCT
gujaf-390	194	118	-2.12	-2.12	NUM
gujaf-390	194	119	(	(	PUNCT
gujaf-390	194	120	5.59	5.59	NUM
gujaf-390	194	121	)	)	PUNCT
gujaf-390	194	122	bks	bks	NOUN
gujaf-390	194	123	2.63	2.63	NUM
gujaf-390	194	124	*	*	NOUN
gujaf-390	194	125	*	*	PUNCT
gujaf-390	194	126	(	(	PUNCT
gujaf-390	194	127	0.74	0.74	NUM
gujaf-390	194	128	)	)	PUNCT
gujaf-390	194	129	2.16	2.16	NUM
gujaf-390	194	130	*	*	PUNCT
gujaf-390	194	131	*	*	PUNCT
gujaf-390	194	132	(	(	PUNCT
gujaf-390	194	133	0.56	0.56	NUM
gujaf-390	194	134	)	)	PUNCT
gujaf-390	194	135	r	r	NOUN
gujaf-390	194	136	-	-	PUNCT
gujaf-390	194	137	squared	square	VERB
gujaf-390	194	138	0.64	0.64	NUM
gujaf-390	194	139	0.78	0.78	NUM
gujaf-390	194	140	f	f	X
gujaf-390	194	141	-	-	PUNCT
gujaf-390	194	142	statistics	statistic	NOUN
gujaf-390	194	143	5.028	5.028	NUM
gujaf-390	194	144	19.02	19.02	NUM
gujaf-390	194	145	prob	prob	NOUN
gujaf-390	194	146	(	(	PUNCT
gujaf-390	194	147	f	f	X
gujaf-390	194	148	-	-	PUNCT
gujaf-390	194	149	statistics	statistic	NOUN
gujaf-390	194	150	)	)	PUNCT
gujaf-390	194	151	0.0043	0.0043	NUM
gujaf-390	194	152	0.0015	0.0015	NUM
gujaf-390	194	153	gusau	gusau	ADJ
gujaf-390	194	154	journal	journal	NOUN
gujaf-390	194	155	of	of	ADP
gujaf-390	194	156	accounting	accounting	NOUN
gujaf-390	194	157	and	and	CCONJ
gujaf-390	194	158	finance	finance	NOUN
gujaf-390	194	159	,	,	PUNCT
gujaf-390	194	160	vol.6	vol.6	PROPN
gujaf-390	194	161	,	,	PUNCT
gujaf-390	194	162	issue	issue	NOUN
gujaf-390	194	163	1	1	NUM
gujaf-390	194	164	,	,	PUNCT
gujaf-390	194	165	april	april	PROPN
gujaf-390	194	166	,	,	PUNCT
gujaf-390	194	167	2025	2025	NUM
gujaf-390	194	168	371	371	NUM
gujaf-390	194	169	note	note	NOUN
gujaf-390	194	170	:	:	PUNCT
gujaf-390	194	171	*	*	PUNCT
gujaf-390	194	172	significant	significant	ADJ
gujaf-390	194	173	at	at	ADP
gujaf-390	194	174	10	10	NUM
gujaf-390	194	175	%	%	NOUN
gujaf-390	194	176	*	*	PUNCT
gujaf-390	194	177	*	*	NOUN
gujaf-390	194	178	significant	significant	ADJ
gujaf-390	194	179	at	at	ADP
gujaf-390	194	180	5	5	NUM
gujaf-390	194	181	%	%	NOUN
gujaf-390	194	182	,	,	PUNCT
gujaf-390	194	183	*	*	PUNCT
gujaf-390	194	184	*	*	PUNCT
gujaf-390	194	185	*	*	PUNCT
gujaf-390	194	186	significant	significant	ADJ
gujaf-390	194	187	at	at	ADP
gujaf-390	194	188	1	1	NUM
gujaf-390	194	189	%	%	NOUN
gujaf-390	194	190	,	,	PUNCT
gujaf-390	194	191	robust	robust	ADJ
gujaf-390	194	192	standard	standard	ADJ
gujaf-390	194	193	errors	error	NOUN
gujaf-390	194	194	in	in	ADP
gujaf-390	194	195	parentheses	parenthesis	NOUN
gujaf-390	194	196	source	source	NOUN
gujaf-390	194	197	:	:	PUNCT
gujaf-390	194	198	author	author	NOUN
gujaf-390	194	199	(	(	PUNCT
gujaf-390	194	200	2025	2025	NUM
gujaf-390	194	201	)	)	PUNCT
gujaf-390	194	202	.	.	PUNCT
gujaf-390	195	1	sensitivity	sensitivity	NOUN
gujaf-390	195	2	analysis	analysis	NOUN
gujaf-390	195	3	we	we	PRON
gujaf-390	195	4	recall	recall	VERB
gujaf-390	195	5	equation	equation	NOUN
gujaf-390	195	6	(	(	PUNCT
gujaf-390	195	7	3	3	NUM
gujaf-390	195	8	)	)	PUNCT
gujaf-390	195	9	and	and	CCONJ
gujaf-390	195	10	(	(	PUNCT
gujaf-390	195	11	4	4	NUM
gujaf-390	195	12	)	)	PUNCT
gujaf-390	195	13	to	to	PART
gujaf-390	195	14	demonstrate	demonstrate	VERB
gujaf-390	195	15	the	the	DET
gujaf-390	195	16	sensitivity	sensitivity	NOUN
gujaf-390	195	17	analysis	analysis	NOUN
gujaf-390	195	18	.	.	PUNCT
gujaf-390	196	1	the	the	DET
gujaf-390	196	2	model	model	NOUN
gujaf-390	196	3	considers	consider	VERB
gujaf-390	196	4	demonstrate	demonstrate	VERB
gujaf-390	196	5	whether	whether	SCONJ
gujaf-390	196	6	the	the	DET
gujaf-390	196	7	effect	effect	NOUN
gujaf-390	196	8	of	of	ADP
gujaf-390	196	9	the	the	DET
gujaf-390	196	10	measures	measure	NOUN
gujaf-390	196	11	of	of	ADP
gujaf-390	196	12	risk	risk	NOUN
gujaf-390	196	13	management	management	NOUN
gujaf-390	196	14	,	,	PUNCT
gujaf-390	196	15	including	include	VERB
gujaf-390	196	16	credit	credit	NOUN
gujaf-390	196	17	risk	risk	NOUN
gujaf-390	196	18	management	management	NOUN
gujaf-390	196	19	(	(	PUNCT
gujaf-390	196	20	crm	crm	NOUN
gujaf-390	196	21	)	)	PUNCT
gujaf-390	196	22	,	,	PUNCT
gujaf-390	196	23	market	market	NOUN
gujaf-390	196	24	risk	risk	NOUN
gujaf-390	196	25	management	management	NOUN
gujaf-390	196	26	(	(	PUNCT
gujaf-390	196	27	mrm	mrm	PROPN
gujaf-390	196	28	)	)	PUNCT
gujaf-390	196	29	,	,	PUNCT
gujaf-390	196	30	and	and	CCONJ
gujaf-390	196	31	liquidity	liquidity	NOUN
gujaf-390	196	32	risk	risk	NOUN
gujaf-390	196	33	management	management	NOUN
gujaf-390	196	34	(	(	PUNCT
gujaf-390	196	35	ltm	ltm	PROPN
gujaf-390	196	36	)	)	PUNCT
gujaf-390	196	37	,	,	PUNCT
gujaf-390	196	38	are	be	AUX
gujaf-390	196	39	sensitivity	sensitivity	NOUN
gujaf-390	196	40	to	to	ADP
gujaf-390	196	41	the	the	DET
gujaf-390	196	42	specific	specific	ADJ
gujaf-390	196	43	measure	measure	NOUN
gujaf-390	196	44	of	of	ADP
gujaf-390	196	45	performance	performance	NOUN
gujaf-390	196	46	applied	apply	VERB
gujaf-390	196	47	.	.	PUNCT
gujaf-390	197	1	the	the	DET
gujaf-390	197	2	result	result	NOUN
gujaf-390	197	3	shows	show	VERB
gujaf-390	197	4	that	that	SCONJ
gujaf-390	197	5	the	the	DET
gujaf-390	197	6	hausman	hausman	PROPN
gujaf-390	197	7	test	test	NOUN
gujaf-390	197	8	results	result	NOUN
gujaf-390	197	9	indicate	indicate	VERB
gujaf-390	197	10	that	that	SCONJ
gujaf-390	197	11	a	a	DET
gujaf-390	197	12	fixed	fix	VERB
gujaf-390	197	13	-	-	PUNCT
gujaf-390	197	14	effects	effect	NOUN
gujaf-390	197	15	model	model	NOUN
gujaf-390	197	16	is	be	AUX
gujaf-390	197	17	more	more	ADV
gujaf-390	197	18	appropriate	appropriate	ADJ
gujaf-390	197	19	for	for	ADP
gujaf-390	197	20	roa	roa	PROPN
gujaf-390	197	21	(	(	PUNCT
gujaf-390	197	22	p	p	NOUN
gujaf-390	197	23	-	-	PUNCT
gujaf-390	197	24	value	value	NOUN
gujaf-390	197	25	=	=	NOUN
gujaf-390	197	26	0.0027	0.0027	NUM
gujaf-390	197	27	)	)	PUNCT
gujaf-390	197	28	,	,	PUNCT
gujaf-390	197	29	whereas	whereas	SCONJ
gujaf-390	197	30	a	a	DET
gujaf-390	197	31	random	random	ADJ
gujaf-390	197	32	-	-	PUNCT
gujaf-390	197	33	effects	effect	NOUN
gujaf-390	197	34	model	model	NOUN
gujaf-390	197	35	is	be	AUX
gujaf-390	197	36	suitable	suitable	ADJ
gujaf-390	197	37	for	for	ADP
gujaf-390	197	38	roe	roe	PROPN
gujaf-390	197	39	(	(	PUNCT
gujaf-390	197	40	p	p	NOUN
gujaf-390	197	41	-	-	PUNCT
gujaf-390	197	42	value	value	NOUN
gujaf-390	197	43	=	=	NOUN
gujaf-390	197	44	0.6025	0.6025	NUM
gujaf-390	197	45	)	)	PUNCT
gujaf-390	197	46	.	.	PUNCT
gujaf-390	198	1	the	the	DET
gujaf-390	198	2	regression	regression	NOUN
gujaf-390	198	3	results	result	NOUN
gujaf-390	198	4	show	show	VERB
gujaf-390	198	5	that	that	SCONJ
gujaf-390	198	6	several	several	ADJ
gujaf-390	198	7	variables	variable	NOUN
gujaf-390	198	8	significantly	significantly	ADV
gujaf-390	198	9	affect	affect	VERB
gujaf-390	198	10	both	both	DET
gujaf-390	198	11	roa	roa	NOUN
gujaf-390	198	12	and	and	CCONJ
gujaf-390	198	13	roe	roe	PROPN
gujaf-390	198	14	.	.	PUNCT
gujaf-390	199	1	nonperforming	nonperforme	VERB
gujaf-390	199	2	loans	loan	NOUN
gujaf-390	199	3	(	(	PUNCT
gujaf-390	199	4	nplla	nplla	NOUN
gujaf-390	199	5	)	)	PUNCT
gujaf-390	199	6	have	have	VERB
gujaf-390	199	7	a	a	DET
gujaf-390	199	8	significant	significant	ADJ
gujaf-390	199	9	negative	negative	ADJ
gujaf-390	199	10	impact	impact	NOUN
gujaf-390	199	11	on	on	ADP
gujaf-390	199	12	both	both	DET
gujaf-390	199	13	roa	roa	NOUN
gujaf-390	199	14	and	and	CCONJ
gujaf-390	199	15	roe	roe	PROPN
gujaf-390	199	16	,	,	PUNCT
gujaf-390	199	17	indicating	indicate	VERB
gujaf-390	199	18	that	that	SCONJ
gujaf-390	199	19	higher	high	ADJ
gujaf-390	199	20	levels	level	NOUN
gujaf-390	199	21	of	of	ADP
gujaf-390	199	22	non	non	ADJ
gujaf-390	199	23	-	-	ADJ
gujaf-390	199	24	performing	performing	ADJ
gujaf-390	199	25	loans	loan	NOUN
gujaf-390	199	26	reduce	reduce	VERB
gujaf-390	199	27	bank	bank	NOUN
gujaf-390	199	28	performance	performance	NOUN
gujaf-390	199	29	.	.	PUNCT
gujaf-390	200	1	loan	loan	NOUN
gujaf-390	200	2	loss	loss	NOUN
gujaf-390	200	3	provisions	provision	NOUN
gujaf-390	200	4	(	(	PUNCT
gujaf-390	200	5	llpta	llpta	NOUN
gujaf-390	200	6	)	)	PUNCT
gujaf-390	200	7	also	also	ADV
gujaf-390	200	8	negatively	negatively	ADV
gujaf-390	200	9	affect	affect	VERB
gujaf-390	200	10	roa	roa	NOUN
gujaf-390	200	11	but	but	CCONJ
gujaf-390	200	12	positively	positively	ADV
gujaf-390	200	13	affect	affect	VERB
gujaf-390	200	14	roe	roe	NOUN
gujaf-390	200	15	,	,	PUNCT
gujaf-390	200	16	suggesting	suggest	VERB
gujaf-390	200	17	that	that	SCONJ
gujaf-390	200	18	higher	high	ADJ
gujaf-390	200	19	provisions	provision	NOUN
gujaf-390	200	20	decrease	decrease	VERB
gujaf-390	200	21	profitability	profitability	NOUN
gujaf-390	200	22	but	but	CCONJ
gujaf-390	200	23	might	might	AUX
gujaf-390	200	24	indicate	indicate	VERB
gujaf-390	200	25	a	a	DET
gujaf-390	200	26	more	more	ADV
gujaf-390	200	27	prudent	prudent	ADJ
gujaf-390	200	28	approach	approach	NOUN
gujaf-390	200	29	,	,	PUNCT
gujaf-390	200	30	enhancing	enhance	VERB
gujaf-390	200	31	equity	equity	NOUN
gujaf-390	200	32	returns	return	NOUN
gujaf-390	200	33	.	.	PUNCT
gujaf-390	201	1	the	the	DET
gujaf-390	201	2	loans	loan	NOUN
gujaf-390	201	3	-	-	PUNCT
gujaf-390	201	4	to	to	ADP
gujaf-390	201	5	-	-	PUNCT
gujaf-390	201	6	deposits	deposit	NOUN
gujaf-390	201	7	ratio	ratio	NOUN
gujaf-390	201	8	(	(	PUNCT
gujaf-390	201	9	latd	latd	PROPN
gujaf-390	201	10	)	)	PUNCT
gujaf-390	201	11	and	and	CCONJ
gujaf-390	201	12	total	total	ADJ
gujaf-390	201	13	deposits	deposit	NOUN
gujaf-390	201	14	-	-	PUNCT
gujaf-390	201	15	to	to	ADP
gujaf-390	201	16	-	-	PUNCT
gujaf-390	201	17	loans	loan	NOUN
gujaf-390	201	18	ratio	ratio	NOUN
gujaf-390	201	19	(	(	PUNCT
gujaf-390	201	20	tdla	tdla	NOUN
gujaf-390	201	21	)	)	PUNCT
gujaf-390	201	22	have	have	VERB
gujaf-390	201	23	positive	positive	ADJ
gujaf-390	201	24	relationships	relationship	NOUN
gujaf-390	201	25	with	with	ADP
gujaf-390	201	26	both	both	DET
gujaf-390	201	27	roa	roa	NOUN
gujaf-390	201	28	and	and	CCONJ
gujaf-390	201	29	roe	roe	PROPN
gujaf-390	201	30	,	,	PUNCT
gujaf-390	201	31	highlighting	highlight	VERB
gujaf-390	201	32	the	the	DET
gujaf-390	201	33	importance	importance	NOUN
gujaf-390	201	34	of	of	ADP
gujaf-390	201	35	efficient	efficient	ADJ
gujaf-390	201	36	lending	lending	NOUN
gujaf-390	201	37	and	and	CCONJ
gujaf-390	201	38	deposit	deposit	NOUN
gujaf-390	201	39	management	management	NOUN
gujaf-390	201	40	in	in	ADP
gujaf-390	201	41	boosting	boost	VERB
gujaf-390	201	42	bank	bank	NOUN
gujaf-390	201	43	performance	performance	NOUN
gujaf-390	201	44	.	.	PUNCT
gujaf-390	202	1	the	the	DET
gujaf-390	202	2	interest	interest	NOUN
gujaf-390	202	3	sensitivity	sensitivity	NOUN
gujaf-390	202	4	ratio	ratio	NOUN
gujaf-390	202	5	(	(	PUNCT
gujaf-390	202	6	int	int	NOUN
gujaf-390	202	7	)	)	PUNCT
gujaf-390	202	8	has	have	VERB
gujaf-390	202	9	a	a	DET
gujaf-390	202	10	positive	positive	ADJ
gujaf-390	202	11	effect	effect	NOUN
gujaf-390	202	12	on	on	ADP
gujaf-390	202	13	roa	roa	NOUN
gujaf-390	202	14	but	but	CCONJ
gujaf-390	202	15	a	a	DET
gujaf-390	202	16	negative	negative	ADJ
gujaf-390	202	17	effect	effect	NOUN
gujaf-390	202	18	on	on	ADP
gujaf-390	202	19	roe	roe	NOUN
gujaf-390	202	20	,	,	PUNCT
gujaf-390	202	21	indicating	indicate	VERB
gujaf-390	202	22	that	that	SCONJ
gujaf-390	202	23	interest	interest	NOUN
gujaf-390	202	24	rate	rate	NOUN
gujaf-390	202	25	sensitivity	sensitivity	NOUN
gujaf-390	202	26	might	might	AUX
gujaf-390	202	27	affect	affect	VERB
gujaf-390	202	28	profitability	profitability	NOUN
gujaf-390	202	29	differently	differently	ADV
gujaf-390	202	30	than	than	ADP
gujaf-390	202	31	equity	equity	NOUN
gujaf-390	202	32	returns	return	NOUN
gujaf-390	202	33	.	.	PUNCT
gujaf-390	203	1	the	the	DET
gujaf-390	203	2	foreign	foreign	ADJ
gujaf-390	203	3	exchange	exchange	NOUN
gujaf-390	203	4	rate	rate	NOUN
gujaf-390	203	5	significantly	significantly	ADV
gujaf-390	203	6	negatively	negatively	ADV
gujaf-390	203	7	affects	affect	VERB
gujaf-390	203	8	roa	roa	PROPN
gujaf-390	203	9	,	,	PUNCT
gujaf-390	203	10	while	while	SCONJ
gujaf-390	203	11	its	its	PRON
gujaf-390	203	12	impact	impact	NOUN
gujaf-390	203	13	on	on	ADP
gujaf-390	203	14	roe	roe	NOUN
gujaf-390	203	15	is	be	AUX
gujaf-390	203	16	more	more	ADV
gujaf-390	203	17	varied	varied	ADJ
gujaf-390	203	18	.	.	PUNCT
gujaf-390	204	1	the	the	DET
gujaf-390	204	2	cash	cash	NOUN
gujaf-390	204	3	ratio	ratio	NOUN
gujaf-390	204	4	(	(	PUNCT
gujaf-390	204	5	csh	csh	PROPN
gujaf-390	204	6	)	)	PUNCT
gujaf-390	204	7	shows	show	VERB
gujaf-390	204	8	a	a	DET
gujaf-390	204	9	negative	negative	ADJ
gujaf-390	204	10	relationship	relationship	NOUN
gujaf-390	204	11	with	with	ADP
gujaf-390	204	12	roa	roa	NOUN
gujaf-390	204	13	but	but	CCONJ
gujaf-390	204	14	a	a	DET
gujaf-390	204	15	positive	positive	ADJ
gujaf-390	204	16	one	one	NOUN
gujaf-390	204	17	with	with	ADP
gujaf-390	204	18	roe	roe	NOUN
gujaf-390	204	19	,	,	PUNCT
gujaf-390	204	20	suggesting	suggest	VERB
gujaf-390	204	21	that	that	SCONJ
gujaf-390	204	22	while	while	SCONJ
gujaf-390	204	23	liquidity	liquidity	NOUN
gujaf-390	204	24	management	management	NOUN
gujaf-390	204	25	might	might	AUX
gujaf-390	204	26	hurt	hurt	VERB
gujaf-390	204	27	short	short	ADJ
gujaf-390	204	28	-	-	PUNCT
gujaf-390	204	29	term	term	NOUN
gujaf-390	204	30	profitability	profitability	NOUN
gujaf-390	204	31	,	,	PUNCT
gujaf-390	204	32	it	it	PRON
gujaf-390	204	33	could	could	AUX
gujaf-390	204	34	enhance	enhance	VERB
gujaf-390	204	35	long	long	ADJ
gujaf-390	204	36	-	-	PUNCT
gujaf-390	204	37	term	term	NOUN
gujaf-390	204	38	equity	equity	NOUN
gujaf-390	204	39	returns	return	NOUN
gujaf-390	204	40	.	.	PUNCT
gujaf-390	205	1	bank	bank	NOUN
gujaf-390	205	2	size	size	NOUN
gujaf-390	205	3	has	have	VERB
gujaf-390	205	4	a	a	DET
gujaf-390	205	5	positive	positive	ADJ
gujaf-390	205	6	effect	effect	NOUN
gujaf-390	205	7	on	on	ADP
gujaf-390	205	8	roa	roa	PROPN
gujaf-390	205	9	and	and	CCONJ
gujaf-390	205	10	roe	roe	PROPN
gujaf-390	205	11	,	,	PUNCT
gujaf-390	205	12	especially	especially	ADV
gujaf-390	205	13	under	under	ADP
gujaf-390	205	14	random	random	ADJ
gujaf-390	205	15	effects	effect	NOUN
gujaf-390	205	16	,	,	PUNCT
gujaf-390	205	17	suggesting	suggest	VERB
gujaf-390	205	18	that	that	SCONJ
gujaf-390	205	19	larger	large	ADJ
gujaf-390	205	20	banks	bank	NOUN
gujaf-390	205	21	tend	tend	VERB
gujaf-390	205	22	to	to	PART
gujaf-390	205	23	perform	perform	VERB
gujaf-390	205	24	better	well	ADV
gujaf-390	205	25	in	in	ADP
gujaf-390	205	26	terms	term	NOUN
gujaf-390	205	27	of	of	ADP
gujaf-390	205	28	profitability	profitability	NOUN
gujaf-390	205	29	and	and	CCONJ
gujaf-390	205	30	equity	equity	NOUN
gujaf-390	205	31	returns	return	NOUN
gujaf-390	205	32	.	.	PUNCT
gujaf-390	206	1	the	the	DET
gujaf-390	206	2	models	model	NOUN
gujaf-390	206	3	demonstrate	demonstrate	VERB
gujaf-390	206	4	good	good	ADJ
gujaf-390	206	5	explanatory	explanatory	ADJ
gujaf-390	206	6	power	power	NOUN
gujaf-390	206	7	,	,	PUNCT
gujaf-390	206	8	with	with	ADP
gujaf-390	206	9	r	r	NOUN
gujaf-390	206	10	-	-	PUNCT
gujaf-390	206	11	squared	square	VERB
gujaf-390	206	12	values	value	NOUN
gujaf-390	206	13	indicating	indicate	VERB
gujaf-390	206	14	that	that	SCONJ
gujaf-390	206	15	the	the	DET
gujaf-390	206	16	fixed	fix	VERB
gujaf-390	206	17	-	-	PUNCT
gujaf-390	206	18	effects	effect	NOUN
gujaf-390	206	19	model	model	NOUN
gujaf-390	206	20	accounts	account	VERB
gujaf-390	206	21	for	for	ADP
gujaf-390	206	22	a	a	DET
gujaf-390	206	23	substantial	substantial	ADJ
gujaf-390	206	24	portion	portion	NOUN
gujaf-390	206	25	of	of	ADP
gujaf-390	206	26	the	the	DET
gujaf-390	206	27	variance	variance	NOUN
gujaf-390	206	28	in	in	ADP
gujaf-390	206	29	both	both	DET
gujaf-390	206	30	roa	roa	NOUN
gujaf-390	206	31	and	and	CCONJ
gujaf-390	206	32	roe	roe	PROPN
gujaf-390	206	33	.	.	PUNCT
gujaf-390	207	1	the	the	DET
gujaf-390	207	2	statistical	statistical	ADJ
gujaf-390	207	3	significance	significance	NOUN
gujaf-390	207	4	of	of	ADP
gujaf-390	207	5	the	the	DET
gujaf-390	207	6	results	result	NOUN
gujaf-390	207	7	,	,	PUNCT
gujaf-390	207	8	indicated	indicate	VERB
gujaf-390	207	9	by	by	ADP
gujaf-390	207	10	the	the	DET
gujaf-390	207	11	f	f	PROPN
gujaf-390	207	12	-	-	PUNCT
gujaf-390	207	13	statistics	statistic	NOUN
gujaf-390	207	14	and	and	CCONJ
gujaf-390	207	15	corresponding	correspond	VERB
gujaf-390	207	16	p	p	NOUN
gujaf-390	207	17	-	-	PUNCT
gujaf-390	207	18	values	value	NOUN
gujaf-390	207	19	,	,	PUNCT
gujaf-390	207	20	suggests	suggest	VERB
gujaf-390	207	21	that	that	SCONJ
gujaf-390	207	22	the	the	DET
gujaf-390	207	23	relationships	relationship	NOUN
gujaf-390	207	24	between	between	ADP
gujaf-390	207	25	the	the	DET
gujaf-390	207	26	risk	risk	NOUN
gujaf-390	207	27	management	management	NOUN
gujaf-390	207	28	measures	measure	NOUN
gujaf-390	207	29	and	and	CCONJ
gujaf-390	207	30	bank	bank	NOUN
gujaf-390	207	31	performance	performance	NOUN
gujaf-390	207	32	are	be	AUX
gujaf-390	207	33	robust	robust	ADJ
gujaf-390	207	34	and	and	CCONJ
gujaf-390	207	35	significant	significant	ADJ
gujaf-390	207	36	.	.	PUNCT
gujaf-390	208	1	clearly	clearly	ADV
gujaf-390	208	2	,	,	PUNCT
gujaf-390	208	3	the	the	DET
gujaf-390	208	4	outcome	outcome	NOUN
gujaf-390	208	5	is	be	AUX
gujaf-390	208	6	like	like	ADP
gujaf-390	208	7	the	the	DET
gujaf-390	208	8	main	main	ADJ
gujaf-390	208	9	analysis	analysis	NOUN
gujaf-390	208	10	,	,	PUNCT
gujaf-390	208	11	thus	thus	ADV
gujaf-390	208	12	,	,	PUNCT
gujaf-390	208	13	indicating	indicate	VERB
gujaf-390	208	14	the	the	DET
gujaf-390	208	15	result	result	NOUN
gujaf-390	208	16	is	be	AUX
gujaf-390	208	17	not	not	PART
gujaf-390	208	18	sensitive	sensitive	ADJ
gujaf-390	208	19	to	to	ADP
gujaf-390	208	20	the	the	DET
gujaf-390	208	21	measure	measure	NOUN
gujaf-390	208	22	of	of	ADP
gujaf-390	208	23	performance	performance	NOUN
gujaf-390	208	24	applied	apply	VERB
gujaf-390	208	25	.	.	PUNCT
gujaf-390	209	1	the	the	DET
gujaf-390	209	2	findings	finding	NOUN
gujaf-390	209	3	provide	provide	VERB
gujaf-390	209	4	important	important	ADJ
gujaf-390	209	5	implications	implication	NOUN
gujaf-390	209	6	for	for	ADP
gujaf-390	209	7	bank	bank	NOUN
gujaf-390	209	8	management	management	NOUN
gujaf-390	209	9	and	and	CCONJ
gujaf-390	209	10	regulators	regulator	NOUN
gujaf-390	209	11	:	:	PUNCT
gujaf-390	209	12	focusing	focus	VERB
gujaf-390	209	13	on	on	ADP
gujaf-390	209	14	improving	improve	VERB
gujaf-390	209	15	asset	asset	NOUN
gujaf-390	209	16	quality	quality	NOUN
gujaf-390	209	17	,	,	PUNCT
gujaf-390	209	18	managing	manage	VERB
gujaf-390	209	19	exchange	exchange	NOUN
gujaf-390	209	20	rate	rate	NOUN
gujaf-390	209	21	risks	risk	NOUN
gujaf-390	209	22	,	,	PUNCT
gujaf-390	209	23	and	and	CCONJ
gujaf-390	209	24	fostering	foster	VERB
gujaf-390	209	25	bank	bank	NOUN
gujaf-390	209	26	growth	growth	NOUN
gujaf-390	209	27	could	could	AUX
gujaf-390	209	28	substantially	substantially	ADV
gujaf-390	209	29	enhance	enhance	VERB
gujaf-390	209	30	profitability	profitability	NOUN
gujaf-390	209	31	.	.	PUNCT
gujaf-390	210	1	table	table	NOUN
gujaf-390	210	2	5	5	NUM
gujaf-390	210	3	:	:	PUNCT
gujaf-390	210	4	hausman	hausman	NOUN
gujaf-390	210	5	tests	test	VERB
gujaf-390	210	6	model	model	VERB
gujaf-390	210	7	chi	chi	PROPN
gujaf-390	210	8	-	-	PUNCT
gujaf-390	210	9	statistics	statistic	NOUN
gujaf-390	210	10	p	p	ADJ
gujaf-390	210	11	-	-	PUNCT
gujaf-390	210	12	value	value	NOUN
gujaf-390	210	13	fixroa	fixroa	NOUN
gujaf-390	210	14	23.56	23.56	NUM
gujaf-390	210	15	0.0027	0.0027	NUM
gujaf-390	210	16	fixroe	fixroe	PROPN
gujaf-390	210	17	6.40	6.40	NUM
gujaf-390	210	18	0.6025	0.6025	NUM
gujaf-390	210	19	source	source	NOUN
gujaf-390	210	20	:	:	PUNCT
gujaf-390	210	21	author	author	NOUN
gujaf-390	210	22	(	(	PUNCT
gujaf-390	210	23	2025	2025	NUM
gujaf-390	210	24	)	)	PUNCT
gujaf-390	210	25	gusau	gusau	ADJ
gujaf-390	210	26	journal	journal	NOUN
gujaf-390	210	27	of	of	ADP
gujaf-390	210	28	accounting	accounting	NOUN
gujaf-390	210	29	and	and	CCONJ
gujaf-390	210	30	finance	finance	NOUN
gujaf-390	210	31	,	,	PUNCT
gujaf-390	210	32	vol.6	vol.6	PROPN
gujaf-390	210	33	,	,	PUNCT
gujaf-390	210	34	issue	issue	NOUN
gujaf-390	210	35	1	1	NUM
gujaf-390	210	36	,	,	PUNCT
gujaf-390	210	37	april	april	PROPN
gujaf-390	210	38	,	,	PUNCT
gujaf-390	210	39	2025	2025	NUM
gujaf-390	210	40	372	372	NUM
gujaf-390	210	41	table	table	NOUN
gujaf-390	210	42	6	6	NUM
gujaf-390	210	43	:	:	PUNCT
gujaf-390	210	44	fixed	fixed	ADJ
gujaf-390	210	45	and	and	CCONJ
gujaf-390	210	46	random	random	ADJ
gujaf-390	210	47	effect	effect	NOUN
gujaf-390	210	48	regressions	regression	NOUN
gujaf-390	210	49	for	for	ADP
gujaf-390	210	50	roa	roa	NOUN
gujaf-390	210	51	and	and	CCONJ
gujaf-390	210	52	roe	roe	PROPN
gujaf-390	210	53	variables	variable	NOUN
gujaf-390	210	54	fixed	fix	VERB
gujaf-390	210	55	effect	effect	NOUN
gujaf-390	210	56	roa	roa	PROPN
gujaf-390	210	57	random	random	ADJ
gujaf-390	210	58	effect	effect	NOUN
gujaf-390	210	59	roa	roa	PROPN
gujaf-390	210	60	fixed	fix	VERB
gujaf-390	210	61	effect	effect	PROPN
gujaf-390	210	62	roe	roe	PROPN
gujaf-390	210	63	random	random	ADJ
gujaf-390	210	64	effect	effect	NOUN
gujaf-390	210	65	roe	roe	NOUN
gujaf-390	210	66	constant	constant	ADJ
gujaf-390	210	67	-0.042	-0.042	PUNCT
gujaf-390	210	68	-0.10	-0.10	NUM
gujaf-390	210	69	0.16	0.16	NUM
gujaf-390	210	70	-0.42	-0.42	PRON
gujaf-390	210	71	(	(	PUNCT
gujaf-390	210	72	0.046	0.046	NUM
gujaf-390	210	73	)	)	PUNCT
gujaf-390	210	74	(	(	PUNCT
gujaf-390	210	75	0.057	0.057	NUM
gujaf-390	210	76	)	)	PUNCT
gujaf-390	210	77	(	(	PUNCT
gujaf-390	210	78	0.46	0.46	NUM
gujaf-390	210	79	)	)	PUNCT
gujaf-390	210	80	(	(	PUNCT
gujaf-390	210	81	0.60	0.60	NUM
gujaf-390	210	82	)	)	PUNCT
gujaf-390	210	83	nplla	nplla	NOUN
gujaf-390	210	84	-0.0053	-0.0053	NOUN
gujaf-390	210	85	*	*	PUNCT
gujaf-390	211	1	*	*	PUNCT
gujaf-390	211	2	-0.0055	-0.0055	NOUN
gujaf-390	211	3	*	*	PUNCT
gujaf-390	211	4	-0.040	-0.040	PUNCT
gujaf-390	211	5	*	*	PUNCT
gujaf-390	211	6	*	*	PUNCT
gujaf-390	211	7	*	*	PUNCT
gujaf-390	212	1	-0.034	-0.034	PUNCT
gujaf-390	212	2	*	*	PUNCT
gujaf-390	212	3	*	*	PUNCT
gujaf-390	212	4	*	*	PUNCT
gujaf-390	212	5	(	(	PUNCT
gujaf-390	212	6	0.0017	0.0017	NUM
gujaf-390	212	7	)	)	PUNCT
gujaf-390	212	8	(	(	PUNCT
gujaf-390	212	9	0.0016	0.0016	NUM
gujaf-390	212	10	)	)	PUNCT
gujaf-390	212	11	(	(	PUNCT
gujaf-390	212	12	0.011	0.011	NUM
gujaf-390	212	13	)	)	PUNCT
gujaf-390	212	14	(	(	PUNCT
gujaf-390	212	15	0.016	0.016	NUM
gujaf-390	212	16	)	)	PUNCT
gujaf-390	212	17	llpta	llpta	NOUN
gujaf-390	212	18	-0.0055	-0.0055	VERB
gujaf-390	212	19	*	*	NOUN
gujaf-390	212	20	*	*	PUNCT
gujaf-390	213	1	-0.0053	-0.0053	ADJ
gujaf-390	214	1	*	*	PUNCT
gujaf-390	214	2	*	*	PUNCT
gujaf-390	215	1	0.045	0.045	NUM
gujaf-390	215	2	*	*	PUNCT
gujaf-390	215	3	*	*	PUNCT
gujaf-390	215	4	*	*	PUNCT
gujaf-390	215	5	0.050	0.050	NUM
gujaf-390	215	6	*	*	PUNCT
gujaf-390	215	7	*	*	PUNCT
gujaf-390	215	8	*	*	PUNCT
gujaf-390	215	9	(	(	PUNCT
gujaf-390	215	10	0.0012	0.0012	NUM
gujaf-390	215	11	)	)	PUNCT
gujaf-390	215	12	(	(	PUNCT
gujaf-390	215	13	0.0014	0.0014	NUM
gujaf-390	215	14	)	)	PUNCT
gujaf-390	215	15	(	(	PUNCT
gujaf-390	215	16	0.012	0.012	NUM
gujaf-390	215	17	)	)	PUNCT
gujaf-390	215	18	(	(	PUNCT
gujaf-390	215	19	0.017	0.017	NUM
gujaf-390	215	20	)	)	PUNCT
gujaf-390	215	21	latd	latd	NOUN
gujaf-390	215	22	.00051	.00051	PROPN
gujaf-390	216	1	*	*	PUNCT
gujaf-390	217	1	*	*	PUNCT
gujaf-390	217	2	*	*	PUNCT
gujaf-390	217	3	0.0086	0.0086	NUM
gujaf-390	217	4	*	*	PUNCT
gujaf-390	217	5	*	*	PUNCT
gujaf-390	217	6	*	*	PUNCT
gujaf-390	217	7	0.0054	0.0054	NUM
gujaf-390	217	8	*	*	PUNCT
gujaf-390	217	9	*	*	PUNCT
gujaf-390	217	10	*	*	PUNCT
gujaf-390	218	1	0.0075	0.0075	NUM
gujaf-390	218	2	*	*	PUNCT
gujaf-390	218	3	*	*	PUNCT
gujaf-390	218	4	*	*	PUNCT
gujaf-390	218	5	(	(	PUNCT
gujaf-390	218	6	0.00007	0.00007	NUM
gujaf-390	218	7	)	)	PUNCT
gujaf-390	218	8	(	(	PUNCT
gujaf-390	218	9	0.00028	0.00028	NUM
gujaf-390	218	10	)	)	PUNCT
gujaf-390	218	11	(	(	PUNCT
gujaf-390	218	12	0.0015	0.0015	NUM
gujaf-390	218	13	)	)	PUNCT
gujaf-390	218	14	(	(	PUNCT
gujaf-390	218	15	0.0020	0.0020	NUM
gujaf-390	218	16	)	)	PUNCT
gujaf-390	218	17	tdla	tdla	NOUN
gujaf-390	218	18	0.0067	0.0067	NUM
gujaf-390	218	19	*	*	NOUN
gujaf-390	218	20	*	*	PUNCT
gujaf-390	219	1	0.0051	0.0051	NUM
gujaf-390	219	2	*	*	NOUN
gujaf-390	219	3	*	*	NOUN
gujaf-390	219	4	0.0037	0.0037	NUM
gujaf-390	219	5	*	*	NUM
gujaf-390	219	6	0.051	0.051	NUM
gujaf-390	219	7	*	*	PUNCT
gujaf-390	219	8	(	(	PUNCT
gujaf-390	219	9	0.0024	0.0024	NUM
gujaf-390	219	10	)	)	PUNCT
gujaf-390	219	11	(	(	PUNCT
gujaf-390	219	12	0.0022	0.0022	NUM
gujaf-390	219	13	)	)	PUNCT
gujaf-390	219	14	(	(	PUNCT
gujaf-390	219	15	0.016	0.016	NUM
gujaf-390	219	16	)	)	PUNCT
gujaf-390	219	17	(	(	PUNCT
gujaf-390	219	18	0.020	0.020	NUM
gujaf-390	219	19	)	)	PUNCT
gujaf-390	219	20	int	int	NOUN
gujaf-390	219	21	0.00079	0.00079	NUM
gujaf-390	219	22	*	*	PUNCT
gujaf-390	219	23	*	*	PUNCT
gujaf-390	219	24	*	*	X
gujaf-390	220	1	0.0057	0.0057	NUM
gujaf-390	220	2	*	*	PUNCT
gujaf-390	220	3	*	*	PUNCT
gujaf-390	220	4	*	*	PUNCT
gujaf-390	220	5	-0.68	-0.68	PRON
gujaf-390	220	6	*	*	NOUN
gujaf-390	220	7	*	*	PUNCT
gujaf-390	220	8	-0.34	-0.34	PROPN
gujaf-390	220	9	*	*	PUNCT
gujaf-390	220	10	*	*	PUNCT
gujaf-390	220	11	(	(	PUNCT
gujaf-390	220	12	0.0017	0.0017	NUM
gujaf-390	220	13	)	)	PUNCT
gujaf-390	220	14	(	(	PUNCT
gujaf-390	220	15	0.0006	0.0006	NUM
gujaf-390	220	16	)	)	PUNCT
gujaf-390	220	17	(	(	PUNCT
gujaf-390	220	18	0.26	0.26	NUM
gujaf-390	220	19	)	)	PUNCT
gujaf-390	220	20	(	(	PUNCT
gujaf-390	220	21	0.13	0.13	NUM
gujaf-390	220	22	)	)	PUNCT
gujaf-390	220	23	fer	fer	NOUN
gujaf-390	220	24	-0.025	-0.025	PROPN
gujaf-390	220	25	*	*	PROPN
gujaf-390	220	26	-0.021	-0.021	NOUN
gujaf-390	220	27	*	*	PUNCT
gujaf-390	220	28	*	*	PUNCT
gujaf-390	221	1	-0.035	-0.035	PUNCT
gujaf-390	221	2	*	*	PUNCT
gujaf-390	221	3	*	*	PUNCT
gujaf-390	221	4	-0.050	-0.050	PUNCT
gujaf-390	221	5	*	*	PUNCT
gujaf-390	221	6	(	(	PUNCT
gujaf-390	221	7	0.010	0.010	NUM
gujaf-390	221	8	)	)	PUNCT
gujaf-390	221	9	(	(	PUNCT
gujaf-390	221	10	0.008	0.008	NUM
gujaf-390	221	11	)	)	PUNCT
gujaf-390	221	12	(	(	PUNCT
gujaf-390	221	13	0.016	0.016	NUM
gujaf-390	221	14	)	)	PUNCT
gujaf-390	221	15	(	(	PUNCT
gujaf-390	221	16	0.015	0.015	NUM
gujaf-390	221	17	)	)	PUNCT
gujaf-390	221	18	cash	cash	NOUN
gujaf-390	221	19	-0.013	-0.013	PUNCT
gujaf-390	221	20	-0.032	-0.032	PUNCT
gujaf-390	221	21	*	*	PUNCT
gujaf-390	221	22	*	*	PUNCT
gujaf-390	222	1	0.55	0.55	NUM
gujaf-390	222	2	*	*	PUNCT
gujaf-390	222	3	0.52	0.52	NUM
gujaf-390	222	4	*	*	PUNCT
gujaf-390	222	5	(	(	PUNCT
gujaf-390	222	6	0.018	0.018	NUM
gujaf-390	222	7	)	)	PUNCT
gujaf-390	222	8	(	(	PUNCT
gujaf-390	222	9	0.009	0.009	NUM
gujaf-390	222	10	)	)	PUNCT
gujaf-390	222	11	(	(	PUNCT
gujaf-390	222	12	0.22	0.22	NUM
gujaf-390	222	13	)	)	PUNCT
gujaf-390	222	14	(	(	PUNCT
gujaf-390	222	15	0.24	0.24	NUM
gujaf-390	222	16	)	)	PUNCT
gujaf-390	222	17	bks	bks	NOUN
gujaf-390	222	18	0.0069	0.0069	NUM
gujaf-390	222	19	*	*	PROPN
gujaf-390	222	20	*	*	PROPN
gujaf-390	222	21	0.021	0.021	NUM
gujaf-390	222	22	0.0092	0.0092	NUM
gujaf-390	222	23	*	*	PUNCT
gujaf-390	222	24	*	*	PUNCT
gujaf-390	222	25	*	*	PUNCT
gujaf-390	222	26	0.098	0.098	NUM
gujaf-390	222	27	*	*	PUNCT
gujaf-390	222	28	*	*	PUNCT
gujaf-390	222	29	*	*	PUNCT
gujaf-390	222	30	(	(	PUNCT
gujaf-390	222	31	0.0026	0.0026	NUM
gujaf-390	222	32	)	)	PUNCT
gujaf-390	222	33	(	(	PUNCT
gujaf-390	222	34	0.0097	0.0097	NUM
gujaf-390	222	35	)	)	PUNCT
gujaf-390	222	36	(	(	PUNCT
gujaf-390	222	37	0.039	0.039	NUM
gujaf-390	222	38	)	)	PUNCT
gujaf-390	222	39	(	(	PUNCT
gujaf-390	222	40	0.038	0.038	NUM
gujaf-390	222	41	)	)	PUNCT
gujaf-390	222	42	r	r	NOUN
gujaf-390	222	43	-	-	PUNCT
gujaf-390	222	44	squared	square	VERB
gujaf-390	222	45	0.69	0.69	NUM
gujaf-390	222	46	0.85	0.85	NUM
gujaf-390	222	47	0.78	0.78	NUM
gujaf-390	222	48	0.86	0.86	NUM
gujaf-390	222	49	f	f	NUM
gujaf-390	222	50	-	-	PUNCT
gujaf-390	222	51	statistics	statistic	NOUN
gujaf-390	222	52	13.30	13.30	NUM
gujaf-390	222	53	51.07	51.07	NUM
gujaf-390	222	54	3.17	3.17	NUM
gujaf-390	222	55	45.82	45.82	NUM
gujaf-390	222	56	prob	prob	NOUN
gujaf-390	222	57	(	(	PUNCT
gujaf-390	222	58	f	f	X
gujaf-390	222	59	-	-	PUNCT
gujaf-390	222	60	statistics	statistic	NOUN
gujaf-390	222	61	)	)	PUNCT
gujaf-390	222	62	0.0000	0.0000	NUM
gujaf-390	222	63	0.0000	0.0000	NUM
gujaf-390	222	64	0.0012	0.0012	NUM
gujaf-390	222	65	0.0000	0.0000	NUM
gujaf-390	222	66	note	note	NOUN
gujaf-390	222	67	:	:	PUNCT
gujaf-390	222	68	*	*	PUNCT
gujaf-390	222	69	significant	significant	ADJ
gujaf-390	222	70	at	at	ADP
gujaf-390	222	71	10	10	NUM
gujaf-390	222	72	%	%	NOUN
gujaf-390	222	73	,	,	PUNCT
gujaf-390	222	74	*	*	PUNCT
gujaf-390	222	75	*	*	PUNCT
gujaf-390	222	76	significant	significant	ADJ
gujaf-390	222	77	at	at	ADP
gujaf-390	222	78	5	5	NUM
gujaf-390	222	79	%	%	NOUN
gujaf-390	222	80	.	.	PUNCT
gujaf-390	223	1	robust	robust	ADJ
gujaf-390	223	2	standard	standard	ADJ
gujaf-390	223	3	errors	error	NOUN
gujaf-390	223	4	in	in	ADP
gujaf-390	223	5	parentheses	parenthesis	NOUN
gujaf-390	223	6	source	source	NOUN
gujaf-390	223	7	:	:	PUNCT
gujaf-390	223	8	author	author	NOUN
gujaf-390	223	9	(	(	PUNCT
gujaf-390	223	10	2025	2025	NUM
gujaf-390	223	11	)	)	PUNCT
gujaf-390	223	12	discussions	discussion	NOUN
gujaf-390	223	13	the	the	DET
gujaf-390	223	14	findings	finding	NOUN
gujaf-390	223	15	of	of	ADP
gujaf-390	223	16	this	this	DET
gujaf-390	223	17	study	study	NOUN
gujaf-390	223	18	align	align	VERB
gujaf-390	223	19	closely	closely	ADV
gujaf-390	223	20	with	with	ADP
gujaf-390	223	21	prior	prior	ADJ
gujaf-390	223	22	research	research	NOUN
gujaf-390	223	23	on	on	ADP
gujaf-390	223	24	the	the	DET
gujaf-390	223	25	relationship	relationship	NOUN
gujaf-390	223	26	between	between	ADP
gujaf-390	223	27	risk	risk	NOUN
gujaf-390	223	28	management	management	NOUN
gujaf-390	223	29	practices	practice	NOUN
gujaf-390	223	30	and	and	CCONJ
gujaf-390	223	31	bank	bank	NOUN
gujaf-390	223	32	performance	performance	NOUN
gujaf-390	223	33	.	.	PUNCT
gujaf-390	224	1	consistent	consistent	ADJ
gujaf-390	224	2	with	with	ADP
gujaf-390	224	3	the	the	DET
gujaf-390	224	4	results	result	NOUN
gujaf-390	224	5	of	of	ADP
gujaf-390	224	6	adeusi	adeusi	PROPN
gujaf-390	224	7	et	et	PROPN
gujaf-390	224	8	al	al	PROPN
gujaf-390	224	9	.	.	PROPN
gujaf-390	225	1	(	(	PUNCT
gujaf-390	225	2	2013	2013	NUM
gujaf-390	225	3	)	)	PUNCT
gujaf-390	225	4	and	and	CCONJ
gujaf-390	225	5	kolapo	kolapo	PROPN
gujaf-390	225	6	et	et	PROPN
gujaf-390	225	7	al	al	PROPN
gujaf-390	225	8	.	.	PROPN
gujaf-390	226	1	(	(	PUNCT
gujaf-390	226	2	2012	2012	NUM
gujaf-390	226	3	)	)	PUNCT
gujaf-390	226	4	,	,	PUNCT
gujaf-390	226	5	the	the	DET
gujaf-390	226	6	study	study	NOUN
gujaf-390	226	7	finds	find	VERB
gujaf-390	226	8	that	that	SCONJ
gujaf-390	226	9	higher	high	ADJ
gujaf-390	226	10	credit	credit	NOUN
gujaf-390	226	11	risk	risk	NOUN
gujaf-390	226	12	,	,	PUNCT
gujaf-390	226	13	as	as	SCONJ
gujaf-390	226	14	measured	measure	VERB
gujaf-390	226	15	by	by	ADP
gujaf-390	226	16	non	non	ADJ
gujaf-390	226	17	-	-	ADJ
gujaf-390	226	18	performing	performing	ADJ
gujaf-390	226	19	loans	loan	NOUN
gujaf-390	226	20	(	(	PUNCT
gujaf-390	226	21	nplla	nplla	NOUN
gujaf-390	226	22	)	)	PUNCT
gujaf-390	226	23	and	and	CCONJ
gujaf-390	226	24	loan	loan	NOUN
gujaf-390	226	25	loss	loss	NOUN
gujaf-390	226	26	provisions	provision	NOUN
gujaf-390	226	27	(	(	PUNCT
gujaf-390	226	28	llpta	llpta	PROPN
gujaf-390	226	29	)	)	PUNCT
gujaf-390	226	30	,	,	PUNCT
gujaf-390	226	31	significantly	significantly	ADV
gujaf-390	226	32	reduces	reduce	VERB
gujaf-390	226	33	bank	bank	NOUN
gujaf-390	226	34	profitability	profitability	NOUN
gujaf-390	226	35	indicators	indicator	NOUN
gujaf-390	226	36	such	such	ADJ
gujaf-390	226	37	as	as	ADP
gujaf-390	226	38	eps	eps	PROPN
gujaf-390	226	39	,	,	PUNCT
gujaf-390	226	40	roa	roa	PROPN
gujaf-390	226	41	,	,	PUNCT
gujaf-390	226	42	and	and	CCONJ
gujaf-390	226	43	roe	roe	NOUN
gujaf-390	226	44	.	.	PUNCT
gujaf-390	227	1	this	this	PRON
gujaf-390	227	2	supports	support	VERB
gujaf-390	227	3	the	the	DET
gujaf-390	227	4	view	view	NOUN
gujaf-390	227	5	that	that	SCONJ
gujaf-390	227	6	effective	effective	ADJ
gujaf-390	227	7	credit	credit	NOUN
gujaf-390	227	8	risk	risk	NOUN
gujaf-390	227	9	management	management	NOUN
gujaf-390	227	10	is	be	AUX
gujaf-390	227	11	critical	critical	ADJ
gujaf-390	227	12	for	for	ADP
gujaf-390	227	13	sustaining	sustain	VERB
gujaf-390	227	14	financial	financial	ADJ
gujaf-390	227	15	performance	performance	NOUN
gujaf-390	227	16	.	.	PUNCT
gujaf-390	228	1	similarly	similarly	ADV
gujaf-390	228	2	,	,	PUNCT
gujaf-390	228	3	the	the	DET
gujaf-390	228	4	positive	positive	ADJ
gujaf-390	228	5	influence	influence	NOUN
gujaf-390	228	6	of	of	ADP
gujaf-390	228	7	liquidity	liquidity	NOUN
gujaf-390	228	8	management	management	NOUN
gujaf-390	228	9	proxies	proxy	NOUN
gujaf-390	228	10	(	(	PUNCT
gujaf-390	228	11	latd	latd	NOUN
gujaf-390	228	12	and	and	CCONJ
gujaf-390	228	13	tdla	tdla	NOUN
gujaf-390	228	14	)	)	PUNCT
gujaf-390	228	15	on	on	ADP
gujaf-390	228	16	eps	eps	PROPN
gujaf-390	228	17	,	,	PUNCT
gujaf-390	228	18	roa	roa	PROPN
gujaf-390	228	19	,	,	PUNCT
gujaf-390	228	20	and	and	CCONJ
gujaf-390	228	21	roe	roe	NOUN
gujaf-390	228	22	is	be	AUX
gujaf-390	228	23	in	in	ADP
gujaf-390	228	24	agreement	agreement	NOUN
gujaf-390	228	25	with	with	ADP
gujaf-390	228	26	the	the	DET
gujaf-390	228	27	work	work	NOUN
gujaf-390	228	28	of	of	ADP
gujaf-390	228	29	bourke	bourke	PROPN
gujaf-390	228	30	(	(	PUNCT
gujaf-390	228	31	1989	1989	NUM
gujaf-390	228	32	)	)	PUNCT
gujaf-390	228	33	and	and	CCONJ
gujaf-390	228	34	demirgüç	demirgüç	PROPN
gujaf-390	228	35	-	-	PUNCT
gujaf-390	228	36	kunt	kunt	PROPN
gujaf-390	228	37	and	and	CCONJ
gujaf-390	228	38	huizinga	huizinga	ADV
gujaf-390	228	39	(	(	PUNCT
gujaf-390	228	40	1999	1999	NUM
gujaf-390	228	41	)	)	PUNCT
gujaf-390	228	42	,	,	PUNCT
gujaf-390	228	43	who	who	PRON
gujaf-390	228	44	highlighted	highlight	VERB
gujaf-390	228	45	that	that	PRON
gujaf-390	228	46	sound	sound	ADJ
gujaf-390	228	47	liquidity	liquidity	NOUN
gujaf-390	228	48	management	management	NOUN
gujaf-390	228	49	enhances	enhance	VERB
gujaf-390	228	50	profitability	profitability	NOUN
gujaf-390	228	51	by	by	ADP
gujaf-390	228	52	ensuring	ensure	VERB
gujaf-390	228	53	that	that	SCONJ
gujaf-390	228	54	banks	bank	NOUN
gujaf-390	228	55	can	can	AUX
gujaf-390	228	56	meet	meet	VERB
gujaf-390	228	57	withdrawal	withdrawal	NOUN
gujaf-390	228	58	gusau	gusau	PROPN
gujaf-390	228	59	journal	journal	PROPN
gujaf-390	228	60	of	of	ADP
gujaf-390	228	61	accounting	accounting	NOUN
gujaf-390	228	62	and	and	CCONJ
gujaf-390	228	63	finance	finance	NOUN
gujaf-390	228	64	,	,	PUNCT
gujaf-390	228	65	vol.6	vol.6	PROPN
gujaf-390	228	66	,	,	PUNCT
gujaf-390	228	67	issue	issue	NOUN
gujaf-390	228	68	1	1	NUM
gujaf-390	228	69	,	,	PUNCT
gujaf-390	228	70	april	april	PROPN
gujaf-390	228	71	,	,	PUNCT
gujaf-390	228	72	2025	2025	NUM
gujaf-390	228	73	373	373	NUM
gujaf-390	228	74	demands	demand	NOUN
gujaf-390	228	75	and	and	CCONJ
gujaf-390	228	76	fund	fund	NOUN
gujaf-390	228	77	profitable	profitable	ADJ
gujaf-390	228	78	lending	lending	NOUN
gujaf-390	228	79	opportunities	opportunity	NOUN
gujaf-390	228	80	.	.	PUNCT
gujaf-390	229	1	the	the	DET
gujaf-390	229	2	negative	negative	ADJ
gujaf-390	229	3	impact	impact	NOUN
gujaf-390	229	4	of	of	ADP
gujaf-390	229	5	foreign	foreign	ADJ
gujaf-390	229	6	exchange	exchange	NOUN
gujaf-390	229	7	risk	risk	NOUN
gujaf-390	229	8	(	(	PUNCT
gujaf-390	229	9	fer	fer	PROPN
gujaf-390	229	10	)	)	PUNCT
gujaf-390	229	11	on	on	ADP
gujaf-390	229	12	bank	bank	NOUN
gujaf-390	229	13	performance	performance	NOUN
gujaf-390	229	14	found	find	VERB
gujaf-390	229	15	in	in	ADP
gujaf-390	229	16	this	this	DET
gujaf-390	229	17	study	study	NOUN
gujaf-390	229	18	also	also	ADV
gujaf-390	229	19	corroborates	corroborate	VERB
gujaf-390	229	20	the	the	DET
gujaf-390	229	21	findings	finding	NOUN
gujaf-390	229	22	of	of	ADP
gujaf-390	229	23	sufian	sufian	PROPN
gujaf-390	229	24	and	and	CCONJ
gujaf-390	229	25	chong	chong	PROPN
gujaf-390	229	26	(	(	PUNCT
gujaf-390	229	27	2008	2008	NUM
gujaf-390	229	28	)	)	PUNCT
gujaf-390	229	29	,	,	PUNCT
gujaf-390	229	30	who	who	PRON
gujaf-390	229	31	reported	report	VERB
gujaf-390	229	32	that	that	SCONJ
gujaf-390	229	33	macroeconomic	macroeconomic	ADJ
gujaf-390	229	34	and	and	CCONJ
gujaf-390	229	35	exchange	exchange	NOUN
gujaf-390	229	36	rate	rate	NOUN
gujaf-390	229	37	instability	instability	NOUN
gujaf-390	229	38	adversely	adversely	ADV
gujaf-390	229	39	affect	affect	VERB
gujaf-390	229	40	banking	banking	NOUN
gujaf-390	229	41	sector	sector	NOUN
gujaf-390	229	42	performance	performance	NOUN
gujaf-390	229	43	.	.	PUNCT
gujaf-390	230	1	interestingly	interestingly	ADV
gujaf-390	230	2	,	,	PUNCT
gujaf-390	230	3	the	the	DET
gujaf-390	230	4	study	study	NOUN
gujaf-390	230	5	observed	observe	VERB
gujaf-390	230	6	that	that	SCONJ
gujaf-390	230	7	interest	interest	NOUN
gujaf-390	230	8	rate	rate	NOUN
gujaf-390	230	9	sensitivity	sensitivity	NOUN
gujaf-390	230	10	(	(	PUNCT
gujaf-390	230	11	int	int	NOUN
gujaf-390	230	12	)	)	PUNCT
gujaf-390	230	13	positively	positively	ADV
gujaf-390	230	14	influences	influence	VERB
gujaf-390	230	15	roa	roa	NOUN
gujaf-390	230	16	but	but	CCONJ
gujaf-390	230	17	negatively	negatively	ADV
gujaf-390	230	18	affects	affect	VERB
gujaf-390	230	19	roe	roe	NOUN
gujaf-390	230	20	,	,	PUNCT
gujaf-390	230	21	indicating	indicate	VERB
gujaf-390	230	22	that	that	SCONJ
gujaf-390	230	23	market	market	NOUN
gujaf-390	230	24	risk	risk	NOUN
gujaf-390	230	25	management	management	NOUN
gujaf-390	230	26	has	have	VERB
gujaf-390	230	27	mixed	mix	VERB
gujaf-390	230	28	effects	effect	NOUN
gujaf-390	230	29	depending	depend	VERB
gujaf-390	230	30	on	on	ADP
gujaf-390	230	31	the	the	DET
gujaf-390	230	32	profitability	profitability	NOUN
gujaf-390	230	33	measure	measure	NOUN
gujaf-390	230	34	used	use	VERB
gujaf-390	230	35	.	.	PUNCT
gujaf-390	231	1	this	this	DET
gujaf-390	231	2	nuanced	nuanced	ADJ
gujaf-390	231	3	finding	finding	NOUN
gujaf-390	231	4	is	be	AUX
gujaf-390	231	5	partly	partly	ADV
gujaf-390	231	6	reflected	reflect	VERB
gujaf-390	231	7	in	in	ADP
gujaf-390	231	8	the	the	DET
gujaf-390	231	9	study	study	NOUN
gujaf-390	231	10	by	by	ADP
gujaf-390	231	11	al	al	PROPN
gujaf-390	231	12	-	-	PUNCT
gujaf-390	231	13	tamimi	tamimi	PROPN
gujaf-390	231	14	and	and	CCONJ
gujaf-390	231	15	al	al	PROPN
gujaf-390	231	16	-	-	PUNCT
gujaf-390	231	17	mazrooei	mazrooei	PROPN
gujaf-390	231	18	(	(	PUNCT
gujaf-390	231	19	2007	2007	NUM
gujaf-390	231	20	)	)	PUNCT
gujaf-390	231	21	,	,	PUNCT
gujaf-390	231	22	who	who	PRON
gujaf-390	231	23	argued	argue	VERB
gujaf-390	231	24	that	that	SCONJ
gujaf-390	231	25	while	while	SCONJ
gujaf-390	231	26	interest	interest	NOUN
gujaf-390	231	27	rate	rate	NOUN
gujaf-390	231	28	risk	risk	NOUN
gujaf-390	231	29	management	management	NOUN
gujaf-390	231	30	can	can	AUX
gujaf-390	231	31	stabilize	stabilize	VERB
gujaf-390	231	32	returns	return	NOUN
gujaf-390	231	33	on	on	ADP
gujaf-390	231	34	assets	asset	NOUN
gujaf-390	231	35	,	,	PUNCT
gujaf-390	231	36	it	it	PRON
gujaf-390	231	37	may	may	AUX
gujaf-390	231	38	not	not	PART
gujaf-390	231	39	always	always	ADV
gujaf-390	231	40	enhance	enhance	VERB
gujaf-390	231	41	shareholder	shareholder	NOUN
gujaf-390	231	42	returns	return	NOUN
gujaf-390	231	43	.	.	PUNCT
gujaf-390	232	1	moreover	moreover	ADV
gujaf-390	232	2	,	,	PUNCT
gujaf-390	232	3	the	the	DET
gujaf-390	232	4	positive	positive	ADJ
gujaf-390	232	5	and	and	CCONJ
gujaf-390	232	6	significant	significant	ADJ
gujaf-390	232	7	relationship	relationship	NOUN
gujaf-390	232	8	between	between	ADP
gujaf-390	232	9	bank	bank	NOUN
gujaf-390	232	10	size	size	NOUN
gujaf-390	232	11	(	(	PUNCT
gujaf-390	232	12	bks	bks	NOUN
gujaf-390	232	13	)	)	PUNCT
gujaf-390	232	14	and	and	CCONJ
gujaf-390	232	15	performance	performance	NOUN
gujaf-390	232	16	metrics	metric	NOUN
gujaf-390	232	17	is	be	AUX
gujaf-390	232	18	consistent	consistent	ADJ
gujaf-390	232	19	with	with	ADP
gujaf-390	232	20	the	the	DET
gujaf-390	232	21	results	result	NOUN
gujaf-390	232	22	reported	report	VERB
gujaf-390	232	23	by	by	ADP
gujaf-390	232	24	athanasoglou	athanasoglou	PROPN
gujaf-390	232	25	et	et	PROPN
gujaf-390	232	26	al	al	PROPN
gujaf-390	232	27	.	.	PROPN
gujaf-390	233	1	(	(	PUNCT
gujaf-390	233	2	2008	2008	NUM
gujaf-390	233	3	)	)	PUNCT
gujaf-390	233	4	and	and	CCONJ
gujaf-390	233	5	goddard	goddard	PROPN
gujaf-390	233	6	et	et	PROPN
gujaf-390	233	7	al	al	PROPN
gujaf-390	233	8	.	.	PROPN
gujaf-390	234	1	(	(	PUNCT
gujaf-390	234	2	2004	2004	NUM
gujaf-390	234	3	)	)	PUNCT
gujaf-390	234	4	,	,	PUNCT
gujaf-390	234	5	who	who	PRON
gujaf-390	234	6	concluded	conclude	VERB
gujaf-390	234	7	that	that	SCONJ
gujaf-390	234	8	larger	large	ADJ
gujaf-390	234	9	banks	bank	NOUN
gujaf-390	234	10	benefit	benefit	VERB
gujaf-390	234	11	from	from	ADP
gujaf-390	234	12	economies	economy	NOUN
gujaf-390	234	13	of	of	ADP
gujaf-390	234	14	scale	scale	NOUN
gujaf-390	234	15	,	,	PUNCT
gujaf-390	234	16	better	well	ADJ
gujaf-390	234	17	diversification	diversification	NOUN
gujaf-390	234	18	,	,	PUNCT
gujaf-390	234	19	and	and	CCONJ
gujaf-390	234	20	greater	great	ADJ
gujaf-390	234	21	access	access	NOUN
gujaf-390	234	22	to	to	ADP
gujaf-390	234	23	capital	capital	NOUN
gujaf-390	234	24	markets	market	NOUN
gujaf-390	234	25	,	,	PUNCT
gujaf-390	234	26	leading	lead	VERB
gujaf-390	234	27	to	to	ADP
gujaf-390	234	28	improved	improve	VERB
gujaf-390	234	29	financial	financial	ADJ
gujaf-390	234	30	outcomes	outcome	NOUN
gujaf-390	234	31	.	.	PUNCT
gujaf-390	235	1	overall	overall	ADV
gujaf-390	235	2	,	,	PUNCT
gujaf-390	235	3	this	this	DET
gujaf-390	235	4	study	study	NOUN
gujaf-390	235	5	strengthens	strengthen	VERB
gujaf-390	235	6	the	the	DET
gujaf-390	235	7	existing	exist	VERB
gujaf-390	235	8	evidence	evidence	NOUN
gujaf-390	235	9	that	that	SCONJ
gujaf-390	235	10	robust	robust	ADJ
gujaf-390	235	11	risk	risk	NOUN
gujaf-390	235	12	management	management	NOUN
gujaf-390	235	13	practices	practice	NOUN
gujaf-390	235	14	are	be	AUX
gujaf-390	235	15	essential	essential	ADJ
gujaf-390	235	16	for	for	ADP
gujaf-390	235	17	enhancing	enhance	VERB
gujaf-390	235	18	bank	bank	NOUN
gujaf-390	235	19	profitability	profitability	NOUN
gujaf-390	235	20	and	and	CCONJ
gujaf-390	235	21	shareholder	shareholder	NOUN
gujaf-390	235	22	value	value	NOUN
gujaf-390	235	23	,	,	PUNCT
gujaf-390	235	24	while	while	SCONJ
gujaf-390	235	25	also	also	ADV
gujaf-390	235	26	highlighting	highlight	VERB
gujaf-390	235	27	specific	specific	ADJ
gujaf-390	235	28	areas	area	NOUN
gujaf-390	235	29	such	such	ADJ
gujaf-390	235	30	as	as	ADP
gujaf-390	235	31	foreign	foreign	ADJ
gujaf-390	235	32	exchange	exchange	NOUN
gujaf-390	235	33	exposure	exposure	NOUN
gujaf-390	235	34	where	where	SCONJ
gujaf-390	235	35	risk	risk	NOUN
gujaf-390	235	36	remains	remain	VERB
gujaf-390	235	37	a	a	DET
gujaf-390	235	38	significant	significant	ADJ
gujaf-390	235	39	challenge	challenge	NOUN
gujaf-390	235	40	.	.	PUNCT
gujaf-390	236	1	the	the	DET
gujaf-390	236	2	findings	finding	NOUN
gujaf-390	236	3	of	of	ADP
gujaf-390	236	4	this	this	DET
gujaf-390	236	5	study	study	NOUN
gujaf-390	236	6	are	be	AUX
gujaf-390	236	7	consistent	consistent	ADJ
gujaf-390	236	8	with	with	ADP
gujaf-390	236	9	recent	recent	ADJ
gujaf-390	236	10	empirical	empirical	ADJ
gujaf-390	236	11	research	research	NOUN
gujaf-390	236	12	conducted	conduct	VERB
gujaf-390	236	13	between	between	ADP
gujaf-390	236	14	2020	2020	NUM
gujaf-390	236	15	and	and	CCONJ
gujaf-390	236	16	2025	2025	NUM
gujaf-390	236	17	,	,	PUNCT
gujaf-390	236	18	which	which	PRON
gujaf-390	236	19	underscores	underscore	VERB
gujaf-390	236	20	the	the	DET
gujaf-390	236	21	critical	critical	ADJ
gujaf-390	236	22	role	role	NOUN
gujaf-390	236	23	of	of	ADP
gujaf-390	236	24	risk	risk	NOUN
gujaf-390	236	25	management	management	NOUN
gujaf-390	236	26	in	in	ADP
gujaf-390	236	27	enhancing	enhance	VERB
gujaf-390	236	28	bank	bank	NOUN
gujaf-390	236	29	performance	performance	NOUN
gujaf-390	236	30	.	.	PUNCT
gujaf-390	237	1	for	for	ADP
gujaf-390	237	2	instance	instance	NOUN
gujaf-390	237	3	,	,	PUNCT
gujaf-390	237	4	imeh	imeh	VERB
gujaf-390	237	5	et	et	PROPN
gujaf-390	237	6	al	al	PROPN
gujaf-390	237	7	.	.	PROPN
gujaf-390	238	1	(	(	PUNCT
gujaf-390	238	2	2025	2025	NUM
gujaf-390	238	3	)	)	PUNCT
gujaf-390	238	4	examined	examine	VERB
gujaf-390	238	5	listed	list	VERB
gujaf-390	238	6	deposit	deposit	NOUN
gujaf-390	238	7	money	money	NOUN
gujaf-390	238	8	banks	bank	NOUN
gujaf-390	238	9	in	in	ADP
gujaf-390	238	10	nigeria	nigeria	PROPN
gujaf-390	238	11	and	and	CCONJ
gujaf-390	238	12	found	find	VERB
gujaf-390	238	13	that	that	SCONJ
gujaf-390	238	14	effective	effective	ADJ
gujaf-390	238	15	credit	credit	NOUN
gujaf-390	238	16	risk	risk	NOUN
gujaf-390	238	17	management	management	NOUN
gujaf-390	238	18	,	,	PUNCT
gujaf-390	238	19	particularly	particularly	ADV
gujaf-390	238	20	through	through	ADP
gujaf-390	238	21	controlling	control	VERB
gujaf-390	238	22	non	non	ADJ
gujaf-390	238	23	-	-	ADJ
gujaf-390	238	24	performing	performing	ADJ
gujaf-390	238	25	loans	loan	NOUN
gujaf-390	238	26	and	and	CCONJ
gujaf-390	238	27	maintaining	maintain	VERB
gujaf-390	238	28	adequate	adequate	ADJ
gujaf-390	238	29	loan	loan	NOUN
gujaf-390	238	30	loss	loss	NOUN
gujaf-390	238	31	provisions	provision	NOUN
gujaf-390	238	32	,	,	PUNCT
gujaf-390	238	33	significantly	significantly	ADV
gujaf-390	238	34	improves	improve	VERB
gujaf-390	238	35	profitability	profitability	NOUN
gujaf-390	238	36	metrics	metric	NOUN
gujaf-390	238	37	such	such	ADJ
gujaf-390	238	38	as	as	ADP
gujaf-390	238	39	return	return	NOUN
gujaf-390	238	40	on	on	ADP
gujaf-390	238	41	assets	asset	NOUN
gujaf-390	238	42	(	(	PUNCT
gujaf-390	238	43	roa	roa	NOUN
gujaf-390	238	44	)	)	PUNCT
gujaf-390	238	45	and	and	CCONJ
gujaf-390	238	46	return	return	VERB
gujaf-390	238	47	on	on	ADP
gujaf-390	238	48	equity	equity	NOUN
gujaf-390	238	49	(	(	PUNCT
gujaf-390	238	50	roe	roe	PROPN
gujaf-390	238	51	)	)	PUNCT
gujaf-390	238	52	.	.	PUNCT
gujaf-390	239	1	similarly	similarly	ADV
gujaf-390	239	2	,	,	PUNCT
gujaf-390	239	3	legass	legass	NOUN
gujaf-390	239	4	and	and	CCONJ
gujaf-390	239	5	roba	roba	NOUN
gujaf-390	239	6	(	(	PUNCT
gujaf-390	239	7	2024	2024	NUM
gujaf-390	239	8	)	)	PUNCT
gujaf-390	239	9	investigated	investigate	VERB
gujaf-390	239	10	ethiopian	ethiopian	ADJ
gujaf-390	239	11	commercial	commercial	ADJ
gujaf-390	239	12	banks	bank	NOUN
gujaf-390	239	13	and	and	CCONJ
gujaf-390	239	14	reported	report	VERB
gujaf-390	239	15	that	that	SCONJ
gujaf-390	239	16	robust	robust	ADJ
gujaf-390	239	17	credit	credit	NOUN
gujaf-390	239	18	risk	risk	NOUN
gujaf-390	239	19	management	management	NOUN
gujaf-390	239	20	practices	practice	NOUN
gujaf-390	239	21	positively	positively	ADV
gujaf-390	239	22	influence	influence	VERB
gujaf-390	239	23	financial	financial	ADJ
gujaf-390	239	24	performance	performance	NOUN
gujaf-390	239	25	,	,	PUNCT
gujaf-390	239	26	reinforcing	reinforce	VERB
gujaf-390	239	27	the	the	DET
gujaf-390	239	28	importance	importance	NOUN
gujaf-390	239	29	of	of	ADP
gujaf-390	239	30	prudent	prudent	ADJ
gujaf-390	239	31	credit	credit	NOUN
gujaf-390	239	32	policies	policy	NOUN
gujaf-390	239	33	.	.	PUNCT
gujaf-390	240	1	in	in	ADP
gujaf-390	240	2	the	the	DET
gujaf-390	240	3	context	context	NOUN
gujaf-390	240	4	of	of	ADP
gujaf-390	240	5	liquidity	liquidity	NOUN
gujaf-390	240	6	management	management	NOUN
gujaf-390	240	7	,	,	PUNCT
gujaf-390	240	8	alagbe	alagbe	NOUN
gujaf-390	240	9	et	et	PROPN
gujaf-390	240	10	al	al	PROPN
gujaf-390	240	11	.	.	PROPN
gujaf-390	241	1	(	(	PUNCT
gujaf-390	241	2	2024	2024	NUM
gujaf-390	241	3	)	)	PUNCT
gujaf-390	241	4	analyzed	analyze	VERB
gujaf-390	241	5	nigerian	nigerian	ADJ
gujaf-390	241	6	deposit	deposit	NOUN
gujaf-390	241	7	money	money	NOUN
gujaf-390	241	8	banks	bank	NOUN
gujaf-390	241	9	and	and	CCONJ
gujaf-390	241	10	concluded	conclude	VERB
gujaf-390	241	11	that	that	SCONJ
gujaf-390	241	12	efficient	efficient	ADJ
gujaf-390	241	13	liquidity	liquidity	NOUN
gujaf-390	241	14	management	management	NOUN
gujaf-390	241	15	strategies	strategy	NOUN
gujaf-390	241	16	,	,	PUNCT
gujaf-390	241	17	including	include	VERB
gujaf-390	241	18	optimal	optimal	ADJ
gujaf-390	241	19	cash	cash	NOUN
gujaf-390	241	20	reserves	reserve	NOUN
gujaf-390	241	21	and	and	CCONJ
gujaf-390	241	22	loan	loan	NOUN
gujaf-390	241	23	-	-	PUNCT
gujaf-390	241	24	to	to	ADP
gujaf-390	241	25	-	-	PUNCT
gujaf-390	241	26	deposit	deposit	NOUN
gujaf-390	241	27	ratios	ratio	NOUN
gujaf-390	241	28	,	,	PUNCT
gujaf-390	241	29	are	be	AUX
gujaf-390	241	30	positively	positively	ADV
gujaf-390	241	31	correlated	correlate	VERB
gujaf-390	241	32	with	with	ADP
gujaf-390	241	33	enhanced	enhanced	ADJ
gujaf-390	241	34	profitability	profitability	NOUN
gujaf-390	241	35	.	.	PUNCT
gujaf-390	242	1	this	this	PRON
gujaf-390	242	2	aligns	align	VERB
gujaf-390	242	3	with	with	ADP
gujaf-390	242	4	the	the	DET
gujaf-390	242	5	current	current	ADJ
gujaf-390	242	6	study	study	NOUN
gujaf-390	242	7	's	's	PART
gujaf-390	242	8	findings	finding	NOUN
gujaf-390	242	9	,	,	PUNCT
gujaf-390	242	10	which	which	PRON
gujaf-390	242	11	highlight	highlight	VERB
gujaf-390	242	12	the	the	DET
gujaf-390	242	13	significance	significance	NOUN
gujaf-390	242	14	of	of	ADP
gujaf-390	242	15	liquidity	liquidity	NOUN
gujaf-390	242	16	ratios	ratio	NOUN
gujaf-390	242	17	such	such	ADJ
gujaf-390	242	18	as	as	ADP
gujaf-390	242	19	latd	latd	NOUN
gujaf-390	242	20	and	and	CCONJ
gujaf-390	242	21	tdla	tdla	NOUN
gujaf-390	242	22	in	in	ADP
gujaf-390	242	23	driving	drive	VERB
gujaf-390	242	24	financial	financial	ADJ
gujaf-390	242	25	performance	performance	NOUN
gujaf-390	242	26	.	.	PUNCT
gujaf-390	243	1	regarding	regard	VERB
gujaf-390	243	2	market	market	NOUN
gujaf-390	243	3	risk	risk	NOUN
gujaf-390	243	4	,	,	PUNCT
gujaf-390	243	5	harb	harb	PROPN
gujaf-390	243	6	et	et	PROPN
gujaf-390	243	7	al	al	PROPN
gujaf-390	243	8	.	.	PROPN
gujaf-390	244	1	(	(	PUNCT
gujaf-390	244	2	2023	2023	NUM
gujaf-390	244	3	)	)	PUNCT
gujaf-390	244	4	explored	explore	VERB
gujaf-390	244	5	banks	bank	NOUN
gujaf-390	244	6	in	in	ADP
gujaf-390	244	7	the	the	DET
gujaf-390	244	8	mena	mena	PROPN
gujaf-390	244	9	region	region	PROPN
gujaf-390	244	10	and	and	CCONJ
gujaf-390	244	11	discovered	discover	VERB
gujaf-390	244	12	that	that	SCONJ
gujaf-390	244	13	while	while	SCONJ
gujaf-390	244	14	credit	credit	NOUN
gujaf-390	244	15	risk	risk	NOUN
gujaf-390	244	16	management	management	NOUN
gujaf-390	244	17	alone	alone	ADV
gujaf-390	244	18	does	do	AUX
gujaf-390	244	19	not	not	PART
gujaf-390	244	20	significantly	significantly	ADV
gujaf-390	244	21	affect	affect	VERB
gujaf-390	244	22	accounting	accounting	NOUN
gujaf-390	244	23	performance	performance	NOUN
gujaf-390	244	24	,	,	PUNCT
gujaf-390	244	25	the	the	DET
gujaf-390	244	26	combined	combined	ADJ
gujaf-390	244	27	management	management	NOUN
gujaf-390	244	28	of	of	ADP
gujaf-390	244	29	credit	credit	NOUN
gujaf-390	244	30	and	and	CCONJ
gujaf-390	244	31	liquidity	liquidity	NOUN
gujaf-390	244	32	risks	risk	NOUN
gujaf-390	244	33	yields	yield	VERB
gujaf-390	244	34	substantial	substantial	ADJ
gujaf-390	244	35	improvements	improvement	NOUN
gujaf-390	244	36	in	in	ADP
gujaf-390	244	37	both	both	DET
gujaf-390	244	38	accounting	accounting	NOUN
gujaf-390	244	39	and	and	CCONJ
gujaf-390	244	40	market	market	NOUN
gujaf-390	244	41	performance	performance	NOUN
gujaf-390	244	42	.	.	PUNCT
gujaf-390	245	1	this	this	DET
gujaf-390	245	2	nuanced	nuanced	ADJ
gujaf-390	245	3	understanding	understanding	NOUN
gujaf-390	245	4	of	of	ADP
gujaf-390	245	5	risk	risk	NOUN
gujaf-390	245	6	interplay	interplay	NOUN
gujaf-390	245	7	complements	complement	VERB
gujaf-390	245	8	the	the	DET
gujaf-390	245	9	present	present	ADJ
gujaf-390	245	10	study	study	NOUN
gujaf-390	245	11	's	's	PART
gujaf-390	245	12	observation	observation	NOUN
gujaf-390	245	13	that	that	SCONJ
gujaf-390	245	14	interest	interest	NOUN
gujaf-390	245	15	rate	rate	NOUN
gujaf-390	245	16	sensitivity	sensitivity	NOUN
gujaf-390	245	17	(	(	PUNCT
gujaf-390	245	18	int	int	NOUN
gujaf-390	245	19	)	)	PUNCT
gujaf-390	245	20	has	have	AUX
gujaf-390	245	21	a	a	DET
gujaf-390	245	22	positive	positive	ADJ
gujaf-390	245	23	effect	effect	NOUN
gujaf-390	245	24	on	on	ADP
gujaf-390	245	25	roa	roa	NOUN
gujaf-390	245	26	but	but	CCONJ
gujaf-390	245	27	a	a	DET
gujaf-390	245	28	negative	negative	ADJ
gujaf-390	245	29	impact	impact	NOUN
gujaf-390	245	30	on	on	ADP
gujaf-390	245	31	roe	roe	NOUN
gujaf-390	245	32	,	,	PUNCT
gujaf-390	245	33	suggesting	suggest	VERB
gujaf-390	245	34	that	that	SCONJ
gujaf-390	245	35	market	market	NOUN
gujaf-390	245	36	risk	risk	NOUN
gujaf-390	245	37	management	management	NOUN
gujaf-390	245	38	outcomes	outcome	NOUN
gujaf-390	245	39	may	may	AUX
gujaf-390	245	40	vary	vary	VERB
gujaf-390	245	41	depending	depend	VERB
gujaf-390	245	42	on	on	ADP
gujaf-390	245	43	the	the	DET
gujaf-390	245	44	specific	specific	ADJ
gujaf-390	245	45	performance	performance	NOUN
gujaf-390	245	46	metric	metric	NOUN
gujaf-390	245	47	considered	consider	VERB
gujaf-390	245	48	.	.	PUNCT
gujaf-390	246	1	the	the	DET
gujaf-390	246	2	findings	finding	NOUN
gujaf-390	246	3	of	of	ADP
gujaf-390	246	4	this	this	DET
gujaf-390	246	5	study	study	NOUN
gujaf-390	246	6	have	have	VERB
gujaf-390	246	7	several	several	ADJ
gujaf-390	246	8	important	important	ADJ
gujaf-390	246	9	policy	policy	NOUN
gujaf-390	246	10	implications	implication	NOUN
gujaf-390	246	11	for	for	ADP
gujaf-390	246	12	banking	banking	NOUN
gujaf-390	246	13	sector	sector	NOUN
gujaf-390	246	14	management	management	NOUN
gujaf-390	246	15	and	and	CCONJ
gujaf-390	246	16	financial	financial	ADJ
gujaf-390	246	17	regulators	regulator	NOUN
gujaf-390	246	18	.	.	PUNCT
gujaf-390	247	1	first	first	ADV
gujaf-390	247	2	,	,	PUNCT
gujaf-390	247	3	the	the	DET
gujaf-390	247	4	significant	significant	ADJ
gujaf-390	247	5	negative	negative	ADJ
gujaf-390	247	6	relationship	relationship	NOUN
gujaf-390	247	7	between	between	ADP
gujaf-390	247	8	nonperforming	nonperforme	VERB
gujaf-390	247	9	loans	loan	NOUN
gujaf-390	247	10	(	(	PUNCT
gujaf-390	247	11	nplla	nplla	NOUN
gujaf-390	247	12	)	)	PUNCT
gujaf-390	247	13	,	,	PUNCT
gujaf-390	247	14	loan	loan	NOUN
gujaf-390	247	15	loss	loss	NOUN
gujaf-390	247	16	provisions	provision	NOUN
gujaf-390	247	17	(	(	PUNCT
gujaf-390	247	18	llpta	llpta	NOUN
gujaf-390	247	19	)	)	PUNCT
gujaf-390	247	20	,	,	PUNCT
gujaf-390	247	21	and	and	CCONJ
gujaf-390	247	22	earnings	earning	NOUN
gujaf-390	247	23	per	per	ADP
gujaf-390	247	24	share	share	NOUN
gujaf-390	247	25	(	(	PUNCT
gujaf-390	247	26	eps	eps	NOUN
gujaf-390	247	27	)	)	PUNCT
gujaf-390	247	28	highlights	highlight	NOUN
gujaf-390	247	29	the	the	DET
gujaf-390	247	30	need	need	NOUN
gujaf-390	247	31	for	for	ADP
gujaf-390	247	32	stricter	strict	ADJ
gujaf-390	247	33	credit	credit	NOUN
gujaf-390	247	34	risk	risk	NOUN
gujaf-390	247	35	management	management	NOUN
gujaf-390	247	36	frameworks	framework	NOUN
gujaf-390	247	37	.	.	PUNCT
gujaf-390	248	1	banks	bank	NOUN
gujaf-390	248	2	should	should	AUX
gujaf-390	248	3	adopt	adopt	VERB
gujaf-390	248	4	more	more	ADV
gujaf-390	248	5	rigorous	rigorous	ADJ
gujaf-390	248	6	credit	credit	NOUN
gujaf-390	248	7	assessment	assessment	NOUN
gujaf-390	248	8	procedures	procedure	NOUN
gujaf-390	248	9	,	,	PUNCT
gujaf-390	248	10	enhance	enhance	VERB
gujaf-390	248	11	borrower	borrower	NOUN
gujaf-390	248	12	monitoring	monitoring	NOUN
gujaf-390	248	13	,	,	PUNCT
gujaf-390	248	14	and	and	CCONJ
gujaf-390	248	15	implement	implement	VERB
gujaf-390	248	16	early	early	ADJ
gujaf-390	248	17	gusau	gusau	ADJ
gujaf-390	248	18	journal	journal	NOUN
gujaf-390	248	19	of	of	ADP
gujaf-390	248	20	accounting	accounting	NOUN
gujaf-390	248	21	and	and	CCONJ
gujaf-390	248	22	finance	finance	NOUN
gujaf-390	248	23	,	,	PUNCT
gujaf-390	248	24	vol.6	vol.6	PROPN
gujaf-390	248	25	,	,	PUNCT
gujaf-390	248	26	issue	issue	NOUN
gujaf-390	248	27	1	1	NUM
gujaf-390	248	28	,	,	PUNCT
gujaf-390	248	29	april	april	PROPN
gujaf-390	248	30	,	,	PUNCT
gujaf-390	248	31	2025	2025	NUM
gujaf-390	248	32	374	374	NUM
gujaf-390	248	33	warning	warning	NOUN
gujaf-390	248	34	systems	system	NOUN
gujaf-390	248	35	to	to	PART
gujaf-390	248	36	reduce	reduce	VERB
gujaf-390	248	37	the	the	DET
gujaf-390	248	38	incidence	incidence	NOUN
gujaf-390	248	39	of	of	ADP
gujaf-390	248	40	bad	bad	ADJ
gujaf-390	248	41	loans	loan	NOUN
gujaf-390	248	42	.	.	PUNCT
gujaf-390	249	1	regulators	regulator	NOUN
gujaf-390	249	2	,	,	PUNCT
gujaf-390	249	3	in	in	ADP
gujaf-390	249	4	turn	turn	NOUN
gujaf-390	249	5	,	,	PUNCT
gujaf-390	249	6	should	should	AUX
gujaf-390	249	7	enforce	enforce	VERB
gujaf-390	249	8	tighter	tight	ADJ
gujaf-390	249	9	supervisory	supervisory	ADJ
gujaf-390	249	10	standards	standard	NOUN
gujaf-390	249	11	and	and	CCONJ
gujaf-390	249	12	require	require	VERB
gujaf-390	249	13	higher	high	ADJ
gujaf-390	249	14	provisioning	provisioning	NOUN
gujaf-390	249	15	for	for	ADP
gujaf-390	249	16	non	non	ADJ
gujaf-390	249	17	-	-	ADJ
gujaf-390	249	18	performing	perform	VERB
gujaf-390	249	19	assets	asset	NOUN
gujaf-390	249	20	to	to	PART
gujaf-390	249	21	maintain	maintain	VERB
gujaf-390	249	22	financial	financial	ADJ
gujaf-390	249	23	system	system	NOUN
gujaf-390	249	24	stability	stability	NOUN
gujaf-390	249	25	.	.	PUNCT
gujaf-390	250	1	second	second	ADV
gujaf-390	250	2	,	,	PUNCT
gujaf-390	250	3	given	give	VERB
gujaf-390	250	4	the	the	DET
gujaf-390	250	5	positive	positive	ADJ
gujaf-390	250	6	impact	impact	NOUN
gujaf-390	250	7	of	of	ADP
gujaf-390	250	8	loans	loan	NOUN
gujaf-390	250	9	-	-	PUNCT
gujaf-390	250	10	to	to	ADP
gujaf-390	250	11	-	-	PUNCT
gujaf-390	250	12	deposit	deposit	NOUN
gujaf-390	250	13	ratios	ratio	NOUN
gujaf-390	250	14	(	(	PUNCT
gujaf-390	250	15	latd	latd	NOUN
gujaf-390	250	16	and	and	CCONJ
gujaf-390	250	17	tdla	tdla	NOUN
gujaf-390	250	18	)	)	PUNCT
gujaf-390	250	19	on	on	ADP
gujaf-390	250	20	profitability	profitability	NOUN
gujaf-390	250	21	,	,	PUNCT
gujaf-390	250	22	policies	policy	NOUN
gujaf-390	250	23	encouraging	encourage	VERB
gujaf-390	250	24	efficient	efficient	ADJ
gujaf-390	250	25	intermediation	intermediation	NOUN
gujaf-390	250	26	between	between	ADP
gujaf-390	250	27	deposit	deposit	NOUN
gujaf-390	250	28	mobilization	mobilization	NOUN
gujaf-390	250	29	and	and	CCONJ
gujaf-390	250	30	credit	credit	NOUN
gujaf-390	250	31	extension	extension	NOUN
gujaf-390	250	32	should	should	AUX
gujaf-390	250	33	be	be	AUX
gujaf-390	250	34	promoted	promote	VERB
gujaf-390	250	35	.	.	PUNCT
gujaf-390	251	1	banks	bank	NOUN
gujaf-390	251	2	should	should	AUX
gujaf-390	251	3	be	be	AUX
gujaf-390	251	4	incentivized	incentivize	VERB
gujaf-390	251	5	to	to	PART
gujaf-390	251	6	prudently	prudently	ADV
gujaf-390	251	7	expand	expand	VERB
gujaf-390	251	8	their	their	PRON
gujaf-390	251	9	lending	lending	NOUN
gujaf-390	251	10	activities	activity	NOUN
gujaf-390	251	11	while	while	SCONJ
gujaf-390	251	12	maintaining	maintain	VERB
gujaf-390	251	13	healthy	healthy	ADJ
gujaf-390	251	14	deposit	deposit	NOUN
gujaf-390	251	15	bases	basis	NOUN
gujaf-390	251	16	.	.	PUNCT
gujaf-390	252	1	third	third	ADJ
gujaf-390	252	2	,	,	PUNCT
gujaf-390	252	3	the	the	DET
gujaf-390	252	4	strong	strong	ADJ
gujaf-390	252	5	negative	negative	ADJ
gujaf-390	252	6	effect	effect	NOUN
gujaf-390	252	7	of	of	ADP
gujaf-390	252	8	foreign	foreign	ADJ
gujaf-390	252	9	exchange	exchange	NOUN
gujaf-390	252	10	risk	risk	NOUN
gujaf-390	252	11	(	(	PUNCT
gujaf-390	252	12	fer	fer	PROPN
gujaf-390	252	13	)	)	PUNCT
gujaf-390	252	14	on	on	ADP
gujaf-390	252	15	earnings	earning	NOUN
gujaf-390	252	16	calls	call	NOUN
gujaf-390	252	17	for	for	ADP
gujaf-390	252	18	better	well	ADJ
gujaf-390	252	19	currency	currency	NOUN
gujaf-390	252	20	risk	risk	NOUN
gujaf-390	252	21	management	management	NOUN
gujaf-390	252	22	practices	practice	NOUN
gujaf-390	252	23	.	.	PUNCT
gujaf-390	253	1	banks	bank	NOUN
gujaf-390	253	2	should	should	AUX
gujaf-390	253	3	strengthen	strengthen	VERB
gujaf-390	253	4	their	their	PRON
gujaf-390	253	5	foreign	foreign	ADJ
gujaf-390	253	6	exchange	exchange	NOUN
gujaf-390	253	7	risk	risk	NOUN
gujaf-390	253	8	hedging	hedging	NOUN
gujaf-390	253	9	mechanisms	mechanism	NOUN
gujaf-390	253	10	,	,	PUNCT
gujaf-390	253	11	and	and	CCONJ
gujaf-390	253	12	regulators	regulator	NOUN
gujaf-390	253	13	may	may	AUX
gujaf-390	253	14	consider	consider	VERB
gujaf-390	253	15	setting	set	VERB
gujaf-390	253	16	limits	limit	NOUN
gujaf-390	253	17	on	on	ADP
gujaf-390	253	18	foreign	foreign	ADJ
gujaf-390	253	19	currency	currency	NOUN
gujaf-390	253	20	exposures	exposure	NOUN
gujaf-390	253	21	relative	relative	ADJ
gujaf-390	253	22	to	to	ADP
gujaf-390	253	23	total	total	ADJ
gujaf-390	253	24	assets	asset	NOUN
gujaf-390	253	25	.	.	PUNCT
gujaf-390	254	1	fourth	fourth	ADJ
gujaf-390	254	2	,	,	PUNCT
gujaf-390	254	3	although	although	SCONJ
gujaf-390	254	4	liquidity	liquidity	NOUN
gujaf-390	254	5	in	in	ADP
gujaf-390	254	6	terms	term	NOUN
gujaf-390	254	7	of	of	ADP
gujaf-390	254	8	cash	cash	NOUN
gujaf-390	254	9	holdings	holding	NOUN
gujaf-390	254	10	did	do	AUX
gujaf-390	254	11	not	not	PART
gujaf-390	254	12	significantly	significantly	ADV
gujaf-390	254	13	influence	influence	VERB
gujaf-390	254	14	eps	eps	PROPN
gujaf-390	254	15	,	,	PUNCT
gujaf-390	254	16	the	the	DET
gujaf-390	254	17	positive	positive	ADJ
gujaf-390	254	18	impact	impact	NOUN
gujaf-390	254	19	of	of	ADP
gujaf-390	254	20	bank	bank	NOUN
gujaf-390	254	21	size	size	NOUN
gujaf-390	254	22	suggests	suggest	VERB
gujaf-390	254	23	that	that	SCONJ
gujaf-390	254	24	encouraging	encourage	VERB
gujaf-390	254	25	consolidation	consolidation	NOUN
gujaf-390	254	26	in	in	ADP
gujaf-390	254	27	the	the	DET
gujaf-390	254	28	banking	banking	NOUN
gujaf-390	254	29	sector	sector	NOUN
gujaf-390	254	30	could	could	AUX
gujaf-390	254	31	enhance	enhance	VERB
gujaf-390	254	32	resilience	resilience	NOUN
gujaf-390	254	33	and	and	CCONJ
gujaf-390	254	34	profitability	profitability	NOUN
gujaf-390	254	35	.	.	PUNCT
gujaf-390	255	1	policymakers	policymaker	NOUN
gujaf-390	255	2	should	should	AUX
gujaf-390	255	3	thus	thus	ADV
gujaf-390	255	4	support	support	VERB
gujaf-390	255	5	mergers	merger	NOUN
gujaf-390	255	6	and	and	CCONJ
gujaf-390	255	7	acquisitions	acquisition	NOUN
gujaf-390	255	8	that	that	PRON
gujaf-390	255	9	strengthen	strengthen	VERB
gujaf-390	255	10	banks	bank	NOUN
gujaf-390	255	11	'	'	PART
gujaf-390	255	12	capital	capital	NOUN
gujaf-390	255	13	bases	basis	NOUN
gujaf-390	255	14	and	and	CCONJ
gujaf-390	255	15	operational	operational	ADJ
gujaf-390	255	16	efficiencies	efficiency	NOUN
gujaf-390	255	17	.	.	PUNCT
gujaf-390	256	1	overall	overall	ADV
gujaf-390	256	2	,	,	PUNCT
gujaf-390	256	3	a	a	DET
gujaf-390	256	4	balanced	balanced	ADJ
gujaf-390	256	5	focus	focus	NOUN
gujaf-390	256	6	on	on	ADP
gujaf-390	256	7	improving	improve	VERB
gujaf-390	256	8	credit	credit	NOUN
gujaf-390	256	9	quality	quality	NOUN
gujaf-390	256	10	,	,	PUNCT
gujaf-390	256	11	managing	manage	VERB
gujaf-390	256	12	market	market	NOUN
gujaf-390	256	13	risks	risk	NOUN
gujaf-390	256	14	,	,	PUNCT
gujaf-390	256	15	optimizing	optimize	VERB
gujaf-390	256	16	liquidity	liquidity	NOUN
gujaf-390	256	17	usage	usage	NOUN
gujaf-390	256	18	,	,	PUNCT
gujaf-390	256	19	and	and	CCONJ
gujaf-390	256	20	supporting	support	VERB
gujaf-390	256	21	bank	bank	NOUN
gujaf-390	256	22	growth	growth	NOUN
gujaf-390	256	23	would	would	AUX
gujaf-390	256	24	be	be	AUX
gujaf-390	256	25	essential	essential	ADJ
gujaf-390	256	26	in	in	ADP
gujaf-390	256	27	enhancing	enhance	VERB
gujaf-390	256	28	bank	bank	NOUN
gujaf-390	256	29	profitability	profitability	NOUN
gujaf-390	256	30	and	and	CCONJ
gujaf-390	256	31	ensuring	ensure	VERB
gujaf-390	256	32	long	long	ADJ
gujaf-390	256	33	-	-	PUNCT
gujaf-390	256	34	term	term	NOUN
gujaf-390	256	35	financial	financial	ADJ
gujaf-390	256	36	sector	sector	NOUN
gujaf-390	256	37	stability	stability	NOUN
gujaf-390	256	38	.	.	PUNCT
gujaf-390	257	1	5.0	5.0	NUM
gujaf-390	257	2	conclusions	conclusion	NOUN
gujaf-390	257	3	the	the	DET
gujaf-390	257	4	study	study	NOUN
gujaf-390	257	5	explored	explore	VERB
gujaf-390	257	6	the	the	DET
gujaf-390	257	7	impact	impact	NOUN
gujaf-390	257	8	of	of	ADP
gujaf-390	257	9	credit	credit	NOUN
gujaf-390	257	10	risk	risk	NOUN
gujaf-390	257	11	management	management	NOUN
gujaf-390	257	12	,	,	PUNCT
gujaf-390	257	13	market	market	NOUN
gujaf-390	257	14	risk	risk	NOUN
gujaf-390	257	15	management	management	NOUN
gujaf-390	257	16	,	,	PUNCT
gujaf-390	257	17	and	and	CCONJ
gujaf-390	257	18	liquidity	liquidity	NOUN
gujaf-390	257	19	management	management	NOUN
gujaf-390	257	20	on	on	ADP
gujaf-390	257	21	the	the	DET
gujaf-390	257	22	earnings	earning	NOUN
gujaf-390	257	23	performance	performance	NOUN
gujaf-390	257	24	of	of	ADP
gujaf-390	257	25	banks	bank	NOUN
gujaf-390	257	26	,	,	PUNCT
gujaf-390	257	27	using	use	VERB
gujaf-390	257	28	earnings	earning	NOUN
gujaf-390	257	29	per	per	ADP
gujaf-390	257	30	share	share	NOUN
gujaf-390	257	31	(	(	PUNCT
gujaf-390	257	32	eps	eps	PROPN
gujaf-390	257	33	)	)	PUNCT
gujaf-390	257	34	as	as	ADP
gujaf-390	257	35	the	the	DET
gujaf-390	257	36	key	key	ADJ
gujaf-390	257	37	indicator	indicator	NOUN
gujaf-390	257	38	.	.	PUNCT
gujaf-390	258	1	the	the	DET
gujaf-390	258	2	empirical	empirical	ADJ
gujaf-390	258	3	analysis	analysis	NOUN
gujaf-390	258	4	,	,	PUNCT
gujaf-390	258	5	supported	support	VERB
gujaf-390	258	6	by	by	ADP
gujaf-390	258	7	both	both	DET
gujaf-390	258	8	fixed	fix	VERB
gujaf-390	258	9	and	and	CCONJ
gujaf-390	258	10	random	random	ADJ
gujaf-390	258	11	effects	effect	NOUN
gujaf-390	258	12	models	model	NOUN
gujaf-390	258	13	,	,	PUNCT
gujaf-390	258	14	revealed	reveal	VERB
gujaf-390	258	15	several	several	ADJ
gujaf-390	258	16	significant	significant	ADJ
gujaf-390	258	17	relationships	relationship	NOUN
gujaf-390	258	18	.	.	PUNCT
gujaf-390	259	1	credit	credit	NOUN
gujaf-390	259	2	risk	risk	NOUN
gujaf-390	259	3	factors	factor	NOUN
gujaf-390	259	4	,	,	PUNCT
gujaf-390	259	5	particularly	particularly	ADV
gujaf-390	259	6	the	the	DET
gujaf-390	259	7	ratio	ratio	NOUN
gujaf-390	259	8	of	of	ADP
gujaf-390	259	9	non	non	ADJ
gujaf-390	259	10	-	-	ADJ
gujaf-390	259	11	performing	performing	ADJ
gujaf-390	259	12	loans	loan	NOUN
gujaf-390	259	13	to	to	ADP
gujaf-390	259	14	loans	loan	NOUN
gujaf-390	259	15	and	and	CCONJ
gujaf-390	259	16	advances	advance	NOUN
gujaf-390	259	17	(	(	PUNCT
gujaf-390	259	18	nplla	nplla	NOUN
gujaf-390	259	19	)	)	PUNCT
gujaf-390	259	20	and	and	CCONJ
gujaf-390	259	21	the	the	DET
gujaf-390	259	22	ratio	ratio	NOUN
gujaf-390	259	23	of	of	ADP
gujaf-390	259	24	loan	loan	NOUN
gujaf-390	259	25	loss	loss	NOUN
gujaf-390	259	26	provisions	provision	NOUN
gujaf-390	259	27	to	to	ADP
gujaf-390	259	28	total	total	ADJ
gujaf-390	259	29	assets	asset	NOUN
gujaf-390	259	30	(	(	PUNCT
gujaf-390	259	31	llpta	llpta	PROPN
gujaf-390	259	32	)	)	PUNCT
gujaf-390	259	33	,	,	PUNCT
gujaf-390	259	34	demonstrated	demonstrate	VERB
gujaf-390	259	35	a	a	DET
gujaf-390	259	36	consistent	consistent	ADJ
gujaf-390	259	37	negative	negative	ADJ
gujaf-390	259	38	impact	impact	NOUN
gujaf-390	259	39	on	on	ADP
gujaf-390	259	40	eps	eps	PROPN
gujaf-390	259	41	.	.	PROPN
gujaf-390	260	1	this	this	DET
gujaf-390	260	2	finding	finding	NOUN
gujaf-390	260	3	underscores	underscore	VERB
gujaf-390	260	4	the	the	DET
gujaf-390	260	5	critical	critical	ADJ
gujaf-390	260	6	importance	importance	NOUN
gujaf-390	260	7	of	of	ADP
gujaf-390	260	8	effective	effective	ADJ
gujaf-390	260	9	credit	credit	NOUN
gujaf-390	260	10	risk	risk	NOUN
gujaf-390	260	11	assessment	assessment	NOUN
gujaf-390	260	12	and	and	CCONJ
gujaf-390	260	13	management	management	NOUN
gujaf-390	260	14	in	in	ADP
gujaf-390	260	15	sustaining	sustain	VERB
gujaf-390	260	16	bank	bank	NOUN
gujaf-390	260	17	profitability	profitability	NOUN
gujaf-390	260	18	.	.	PUNCT
gujaf-390	261	1	banks	bank	NOUN
gujaf-390	261	2	with	with	ADP
gujaf-390	261	3	weaker	weak	ADJ
gujaf-390	261	4	loan	loan	NOUN
gujaf-390	261	5	portfolios	portfolio	NOUN
gujaf-390	261	6	and	and	CCONJ
gujaf-390	261	7	higher	high	ADJ
gujaf-390	261	8	provisioning	provisioning	NOUN
gujaf-390	261	9	needs	need	NOUN
gujaf-390	261	10	are	be	AUX
gujaf-390	261	11	more	more	ADV
gujaf-390	261	12	likely	likely	ADJ
gujaf-390	261	13	to	to	PART
gujaf-390	261	14	experience	experience	VERB
gujaf-390	261	15	depressed	depressed	ADJ
gujaf-390	261	16	earnings	earning	NOUN
gujaf-390	261	17	,	,	PUNCT
gujaf-390	261	18	highlighting	highlight	VERB
gujaf-390	261	19	the	the	DET
gujaf-390	261	20	need	need	NOUN
gujaf-390	261	21	for	for	ADP
gujaf-390	261	22	early	early	ADJ
gujaf-390	261	23	detection	detection	NOUN
gujaf-390	261	24	of	of	ADP
gujaf-390	261	25	credit	credit	NOUN
gujaf-390	261	26	deterioration	deterioration	NOUN
gujaf-390	261	27	and	and	CCONJ
gujaf-390	261	28	proactive	proactive	ADJ
gujaf-390	261	29	risk	risk	NOUN
gujaf-390	261	30	mitigation	mitigation	NOUN
gujaf-390	261	31	strategies	strategy	NOUN
gujaf-390	261	32	.	.	PUNCT
gujaf-390	262	1	moreover	moreover	ADV
gujaf-390	262	2	,	,	PUNCT
gujaf-390	262	3	the	the	DET
gujaf-390	262	4	study	study	NOUN
gujaf-390	262	5	found	find	VERB
gujaf-390	262	6	that	that	SCONJ
gujaf-390	262	7	efficient	efficient	ADJ
gujaf-390	262	8	financial	financial	ADJ
gujaf-390	262	9	intermediation	intermediation	NOUN
gujaf-390	262	10	,	,	PUNCT
gujaf-390	262	11	captured	capture	VERB
gujaf-390	262	12	by	by	ADP
gujaf-390	262	13	the	the	DET
gujaf-390	262	14	ratios	ratio	NOUN
gujaf-390	262	15	of	of	ADP
gujaf-390	262	16	loans	loan	NOUN
gujaf-390	262	17	to	to	ADP
gujaf-390	262	18	deposits	deposit	NOUN
gujaf-390	262	19	(	(	PUNCT
gujaf-390	262	20	latd	latd	NOUN
gujaf-390	262	21	and	and	CCONJ
gujaf-390	262	22	tdla	tdla	NOUN
gujaf-390	262	23	)	)	PUNCT
gujaf-390	262	24	,	,	PUNCT
gujaf-390	262	25	contributes	contribute	VERB
gujaf-390	262	26	positively	positively	ADV
gujaf-390	262	27	to	to	ADP
gujaf-390	262	28	earnings	earning	NOUN
gujaf-390	262	29	.	.	PUNCT
gujaf-390	263	1	this	this	PRON
gujaf-390	263	2	indicates	indicate	VERB
gujaf-390	263	3	that	that	SCONJ
gujaf-390	263	4	banks	bank	NOUN
gujaf-390	263	5	that	that	PRON
gujaf-390	263	6	can	can	AUX
gujaf-390	263	7	effectively	effectively	ADV
gujaf-390	263	8	mobilize	mobilize	VERB
gujaf-390	263	9	deposits	deposit	NOUN
gujaf-390	263	10	and	and	CCONJ
gujaf-390	263	11	convert	convert	VERB
gujaf-390	263	12	them	they	PRON
gujaf-390	263	13	into	into	ADP
gujaf-390	263	14	quality	quality	NOUN
gujaf-390	263	15	lending	lending	NOUN
gujaf-390	263	16	opportunities	opportunity	NOUN
gujaf-390	263	17	are	be	AUX
gujaf-390	263	18	better	well	ADV
gujaf-390	263	19	positioned	position	VERB
gujaf-390	263	20	to	to	PART
gujaf-390	263	21	generate	generate	VERB
gujaf-390	263	22	higher	high	ADJ
gujaf-390	263	23	returns	return	NOUN
gujaf-390	263	24	.	.	PUNCT
gujaf-390	264	1	however	however	ADV
gujaf-390	264	2	,	,	PUNCT
gujaf-390	264	3	the	the	DET
gujaf-390	264	4	adverse	adverse	ADJ
gujaf-390	264	5	effect	effect	NOUN
gujaf-390	264	6	of	of	ADP
gujaf-390	264	7	foreign	foreign	ADJ
gujaf-390	264	8	exchange	exchange	NOUN
gujaf-390	264	9	risk	risk	NOUN
gujaf-390	264	10	(	(	PUNCT
gujaf-390	264	11	fer	fer	PROPN
gujaf-390	264	12	)	)	PUNCT
gujaf-390	264	13	on	on	ADP
gujaf-390	264	14	eps	eps	PROPN
gujaf-390	264	15	points	point	NOUN
gujaf-390	264	16	to	to	ADP
gujaf-390	264	17	the	the	DET
gujaf-390	264	18	vulnerabilities	vulnerability	NOUN
gujaf-390	264	19	that	that	PRON
gujaf-390	264	20	banks	bank	NOUN
gujaf-390	264	21	face	face	VERB
gujaf-390	264	22	in	in	ADP
gujaf-390	264	23	volatile	volatile	ADJ
gujaf-390	264	24	external	external	ADJ
gujaf-390	264	25	environments	environment	NOUN
gujaf-390	264	26	.	.	PUNCT
gujaf-390	265	1	it	it	PRON
gujaf-390	265	2	suggests	suggest	VERB
gujaf-390	265	3	a	a	DET
gujaf-390	265	4	pressing	press	VERB
gujaf-390	265	5	need	need	NOUN
gujaf-390	265	6	for	for	ADP
gujaf-390	265	7	robust	robust	ADJ
gujaf-390	265	8	foreign	foreign	ADJ
gujaf-390	265	9	exchange	exchange	NOUN
gujaf-390	265	10	risk	risk	NOUN
gujaf-390	265	11	management	management	NOUN
gujaf-390	265	12	frameworks	framework	NOUN
gujaf-390	265	13	,	,	PUNCT
gujaf-390	265	14	particularly	particularly	ADV
gujaf-390	265	15	in	in	ADP
gujaf-390	265	16	economies	economy	NOUN
gujaf-390	265	17	exposed	expose	VERB
gujaf-390	265	18	to	to	ADP
gujaf-390	265	19	currency	currency	NOUN
gujaf-390	265	20	fluctuations	fluctuation	NOUN
gujaf-390	265	21	.	.	PUNCT
gujaf-390	266	1	interestingly	interestingly	ADV
gujaf-390	266	2	,	,	PUNCT
gujaf-390	266	3	liquidity	liquidity	NOUN
gujaf-390	266	4	management	management	NOUN
gujaf-390	266	5	indicators	indicator	NOUN
gujaf-390	266	6	,	,	PUNCT
gujaf-390	266	7	specifically	specifically	ADV
gujaf-390	266	8	the	the	DET
gujaf-390	266	9	cash	cash	NOUN
gujaf-390	266	10	to	to	ADP
gujaf-390	266	11	total	total	ADJ
gujaf-390	266	12	assets	asset	NOUN
gujaf-390	266	13	ratio	ratio	NOUN
gujaf-390	266	14	(	(	PUNCT
gujaf-390	266	15	csh	csh	PROPN
gujaf-390	266	16	)	)	PUNCT
gujaf-390	266	17	,	,	PUNCT
gujaf-390	266	18	were	be	AUX
gujaf-390	266	19	not	not	PART
gujaf-390	266	20	significant	significant	ADJ
gujaf-390	266	21	determinants	determinant	NOUN
gujaf-390	266	22	of	of	ADP
gujaf-390	266	23	eps	ep	NOUN
gujaf-390	266	24	,	,	PUNCT
gujaf-390	266	25	implying	imply	VERB
gujaf-390	266	26	that	that	SCONJ
gujaf-390	266	27	mere	mere	ADJ
gujaf-390	266	28	liquidity	liquidity	NOUN
gujaf-390	266	29	holdings	holding	NOUN
gujaf-390	266	30	without	without	ADP
gujaf-390	266	31	strategic	strategic	ADJ
gujaf-390	266	32	deployment	deployment	NOUN
gujaf-390	266	33	do	do	AUX
gujaf-390	266	34	not	not	PART
gujaf-390	266	35	necessarily	necessarily	ADV
gujaf-390	266	36	translate	translate	VERB
gujaf-390	266	37	into	into	ADP
gujaf-390	266	38	better	well	ADJ
gujaf-390	266	39	earnings	earning	NOUN
gujaf-390	266	40	performance	performance	NOUN
gujaf-390	266	41	.	.	PUNCT
gujaf-390	267	1	on	on	ADP
gujaf-390	267	2	the	the	DET
gujaf-390	267	3	other	other	ADJ
gujaf-390	267	4	hand	hand	NOUN
gujaf-390	267	5	,	,	PUNCT
gujaf-390	267	6	bank	bank	NOUN
gujaf-390	267	7	size	size	NOUN
gujaf-390	267	8	(	(	PUNCT
gujaf-390	267	9	bks	bks	PROPN
gujaf-390	267	10	)	)	PUNCT
gujaf-390	267	11	exhibited	exhibit	VERB
gujaf-390	267	12	a	a	DET
gujaf-390	267	13	positive	positive	ADJ
gujaf-390	267	14	and	and	CCONJ
gujaf-390	267	15	significant	significant	ADJ
gujaf-390	267	16	influence	influence	NOUN
gujaf-390	267	17	on	on	ADP
gujaf-390	267	18	eps	eps	PROPN
gujaf-390	267	19	,	,	PUNCT
gujaf-390	267	20	affirming	affirm	VERB
gujaf-390	267	21	that	that	SCONJ
gujaf-390	267	22	larger	large	ADJ
gujaf-390	267	23	banks	bank	NOUN
gujaf-390	267	24	benefit	benefit	VERB
gujaf-390	267	25	from	from	ADP
gujaf-390	267	26	economies	economy	NOUN
gujaf-390	267	27	of	of	ADP
gujaf-390	267	28	scale	scale	NOUN
gujaf-390	267	29	,	,	PUNCT
gujaf-390	267	30	better	well	ADJ
gujaf-390	267	31	diversification	diversification	NOUN
gujaf-390	267	32	,	,	PUNCT
gujaf-390	267	33	and	and	CCONJ
gujaf-390	267	34	potentially	potentially	ADV
gujaf-390	267	35	stronger	strong	ADJ
gujaf-390	267	36	operational	operational	ADJ
gujaf-390	267	37	efficiency	efficiency	NOUN
gujaf-390	267	38	.	.	PUNCT
gujaf-390	268	1	overall	overall	ADV
gujaf-390	268	2	,	,	PUNCT
gujaf-390	268	3	the	the	DET
gujaf-390	268	4	study	study	NOUN
gujaf-390	268	5	concludes	conclude	VERB
gujaf-390	268	6	that	that	SCONJ
gujaf-390	268	7	while	while	SCONJ
gujaf-390	268	8	efficient	efficient	ADJ
gujaf-390	268	9	liquidity	liquidity	NOUN
gujaf-390	268	10	and	and	CCONJ
gujaf-390	268	11	market	market	NOUN
gujaf-390	268	12	risk	risk	NOUN
gujaf-390	268	13	management	management	NOUN
gujaf-390	268	14	are	be	AUX
gujaf-390	268	15	important	important	ADJ
gujaf-390	268	16	,	,	PUNCT
gujaf-390	268	17	credit	credit	NOUN
gujaf-390	268	18	risk	risk	NOUN
gujaf-390	268	19	management	management	NOUN
gujaf-390	268	20	remains	remain	VERB
gujaf-390	268	21	the	the	DET
gujaf-390	268	22	cornerstone	cornerstone	NOUN
gujaf-390	268	23	of	of	ADP
gujaf-390	268	24	bank	bank	NOUN
gujaf-390	268	25	profitability	profitability	NOUN
gujaf-390	268	26	.	.	PUNCT
gujaf-390	269	1	furthermore	furthermore	ADV
gujaf-390	269	2	,	,	PUNCT
gujaf-390	269	3	banks	bank	NOUN
gujaf-390	269	4	must	must	AUX
gujaf-390	269	5	balance	balance	VERB
gujaf-390	269	6	growth	growth	NOUN
gujaf-390	269	7	with	with	ADP
gujaf-390	269	8	quality	quality	NOUN
gujaf-390	269	9	,	,	PUNCT
gujaf-390	269	10	ensuring	ensure	VERB
gujaf-390	269	11	that	that	SCONJ
gujaf-390	269	12	expansion	expansion	NOUN
gujaf-390	269	13	does	do	AUX
gujaf-390	269	14	not	not	PART
gujaf-390	269	15	compromise	compromise	VERB
gujaf-390	269	16	asset	asset	NOUN
gujaf-390	269	17	quality	quality	NOUN
gujaf-390	269	18	or	or	CCONJ
gujaf-390	269	19	expose	expose	VERB
gujaf-390	269	20	them	they	PRON
gujaf-390	269	21	excessively	excessively	ADV
gujaf-390	269	22	to	to	ADP
gujaf-390	269	23	market	market	NOUN
gujaf-390	269	24	volatility	volatility	NOUN
gujaf-390	269	25	.	.	PUNCT
gujaf-390	270	1	these	these	DET
gujaf-390	270	2	results	result	NOUN
gujaf-390	270	3	carry	carry	VERB
gujaf-390	270	4	important	important	ADJ
gujaf-390	270	5	gusau	gusau	ADJ
gujaf-390	270	6	journal	journal	NOUN
gujaf-390	270	7	of	of	ADP
gujaf-390	270	8	accounting	accounting	NOUN
gujaf-390	270	9	and	and	CCONJ
gujaf-390	270	10	finance	finance	NOUN
gujaf-390	270	11	,	,	PUNCT
gujaf-390	270	12	vol.6	vol.6	PROPN
gujaf-390	270	13	,	,	PUNCT
gujaf-390	270	14	issue	issue	NOUN
gujaf-390	270	15	1	1	NUM
gujaf-390	270	16	,	,	PUNCT
gujaf-390	270	17	april	april	PROPN
gujaf-390	270	18	,	,	PUNCT
gujaf-390	270	19	2025	2025	NUM
gujaf-390	270	20	375	375	NUM
gujaf-390	270	21	implications	implication	NOUN
gujaf-390	270	22	for	for	ADP
gujaf-390	270	23	bank	bank	NOUN
gujaf-390	270	24	managers	manager	NOUN
gujaf-390	270	25	and	and	CCONJ
gujaf-390	270	26	policymakers	policymaker	NOUN
gujaf-390	270	27	,	,	PUNCT
gujaf-390	270	28	emphasizing	emphasize	VERB
gujaf-390	270	29	the	the	DET
gujaf-390	270	30	need	need	NOUN
gujaf-390	270	31	for	for	ADP
gujaf-390	270	32	a	a	DET
gujaf-390	270	33	holistic	holistic	ADJ
gujaf-390	270	34	risk	risk	NOUN
gujaf-390	270	35	management	management	NOUN
gujaf-390	270	36	approach	approach	NOUN
gujaf-390	270	37	that	that	PRON
gujaf-390	270	38	integrates	integrate	VERB
gujaf-390	270	39	credit	credit	NOUN
gujaf-390	270	40	quality	quality	NOUN
gujaf-390	270	41	control	control	NOUN
gujaf-390	270	42	,	,	PUNCT
gujaf-390	270	43	market	market	NOUN
gujaf-390	270	44	risk	risk	NOUN
gujaf-390	270	45	mitigation	mitigation	NOUN
gujaf-390	270	46	,	,	PUNCT
gujaf-390	270	47	and	and	CCONJ
gujaf-390	270	48	strategic	strategic	ADJ
gujaf-390	270	49	liquidity	liquidity	NOUN
gujaf-390	270	50	deployment	deployment	NOUN
gujaf-390	270	51	.	.	PUNCT
gujaf-390	271	1	strengthening	strengthen	VERB
gujaf-390	271	2	regulatory	regulatory	ADJ
gujaf-390	271	3	oversight	oversight	NOUN
gujaf-390	271	4	,	,	PUNCT
gujaf-390	271	5	encouraging	encourage	VERB
gujaf-390	271	6	best	good	ADJ
gujaf-390	271	7	practices	practice	NOUN
gujaf-390	271	8	in	in	ADP
gujaf-390	271	9	risk	risk	NOUN
gujaf-390	271	10	management	management	NOUN
gujaf-390	271	11	,	,	PUNCT
gujaf-390	271	12	and	and	CCONJ
gujaf-390	271	13	promoting	promote	VERB
gujaf-390	271	14	consolidation	consolidation	NOUN
gujaf-390	271	15	among	among	ADP
gujaf-390	271	16	banks	bank	NOUN
gujaf-390	271	17	could	could	AUX
gujaf-390	271	18	lead	lead	VERB
gujaf-390	271	19	to	to	ADP
gujaf-390	271	20	a	a	DET
gujaf-390	271	21	more	more	ADV
gujaf-390	271	22	stable	stable	ADJ
gujaf-390	271	23	and	and	CCONJ
gujaf-390	271	24	profitable	profitable	ADJ
gujaf-390	271	25	banking	banking	NOUN
gujaf-390	271	26	sector	sector	NOUN
gujaf-390	271	27	.	.	PUNCT
gujaf-390	272	1	future	future	ADJ
gujaf-390	272	2	research	research	NOUN
gujaf-390	272	3	could	could	AUX
gujaf-390	272	4	expand	expand	VERB
gujaf-390	272	5	on	on	ADP
gujaf-390	272	6	these	these	DET
gujaf-390	272	7	findings	finding	NOUN
gujaf-390	272	8	by	by	ADP
gujaf-390	272	9	examining	examine	VERB
gujaf-390	272	10	the	the	DET
gujaf-390	272	11	moderating	moderate	VERB
gujaf-390	272	12	effects	effect	NOUN
gujaf-390	272	13	of	of	ADP
gujaf-390	272	14	macroeconomic	macroeconomic	ADJ
gujaf-390	272	15	factors	factor	NOUN
gujaf-390	272	16	or	or	CCONJ
gujaf-390	272	17	exploring	explore	VERB
gujaf-390	272	18	comparative	comparative	ADJ
gujaf-390	272	19	studies	study	NOUN
gujaf-390	272	20	across	across	ADP
gujaf-390	272	21	different	different	ADJ
gujaf-390	272	22	banking	banking	NOUN
gujaf-390	272	23	systems	system	NOUN
gujaf-390	272	24	.	.	PUNCT
gujaf-390	273	1	references	reference	NOUN
gujaf-390	273	2	abubakar	abubakar	PROPN
gujaf-390	273	3	,	,	PUNCT
gujaf-390	273	4	a.	a.	PROPN
gujaf-390	273	5	,	,	PUNCT
gujaf-390	273	6	jagongo	jagongo	PROPN
gujaf-390	273	7	,	,	PUNCT
gujaf-390	273	8	a.	a.	NOUN
gujaf-390	273	9	,	,	PUNCT
gujaf-390	273	10	almadi	almadi	PROPN
gujaf-390	273	11	,	,	PUNCT
gujaf-390	273	12	j.	j.	PROPN
gujaf-390	273	13	,	,	PUNCT
gujaf-390	273	14	&	&	CCONJ
gujaf-390	273	15	mukztar	mukztar	NOUN
gujaf-390	273	16	,	,	PUNCT
gujaf-390	273	17	(	(	PUNCT
gujaf-390	273	18	2014	2014	NUM
gujaf-390	273	19	)	)	PUNCT
gujaf-390	273	20	.	.	PUNCT
gujaf-390	274	1	effects	effect	NOUN
gujaf-390	274	2	of	of	ADP
gujaf-390	274	3	2008	2008	NUM
gujaf-390	274	4	global	global	ADJ
gujaf-390	274	5	liquidity	liquidity	NOUN
gujaf-390	274	6	crisis	crisis	NOUN
gujaf-390	274	7	on	on	ADP
gujaf-390	274	8	the	the	DET
gujaf-390	274	9	performance	performance	NOUN
gujaf-390	274	10	of	of	ADP
gujaf-390	274	11	banks	bank	NOUN
gujaf-390	274	12	’	'	PUNCT
gujaf-390	274	13	shares	share	NOUN
gujaf-390	274	14	traded	trade	VERB
gujaf-390	274	15	in	in	ADP
gujaf-390	274	16	nigeria	nigeria	PROPN
gujaf-390	274	17	stock	stock	PROPN
gujaf-390	274	18	exchange	exchange	PROPN
gujaf-390	274	19	market	market	NOUN
gujaf-390	274	20	.	.	PUNCT
gujaf-390	275	1	african	african	ADJ
gujaf-390	275	2	journal	journal	PROPN
gujaf-390	275	3	of	of	ADP
gujaf-390	275	4	business	business	NOUN
gujaf-390	275	5	management	management	NOUN
gujaf-390	275	6	,	,	PUNCT
gujaf-390	275	7	8(23	8(23	NUM
gujaf-390	275	8	)	)	PUNCT
gujaf-390	275	9	1094	1094	NUM
gujaf-390	275	10	-	-	SYM
gujaf-390	275	11	1100	1100	NUM
gujaf-390	275	12	adams	adam	NOUN
gujaf-390	275	13	,	,	PUNCT
gujaf-390	275	14	r.	r.	PROPN
gujaf-390	275	15	,	,	PUNCT
gujaf-390	275	16	&	&	CCONJ
gujaf-390	275	17	mehran	mehran	PROPN
gujaf-390	275	18	,	,	PUNCT
gujaf-390	275	19	h.	h.	PROPN
gujaf-390	275	20	(	(	PUNCT
gujaf-390	275	21	2003	2003	NUM
gujaf-390	275	22	)	)	PUNCT
gujaf-390	275	23	.	.	PUNCT
gujaf-390	275	24	is	be	AUX
gujaf-390	275	25	corporate	corporate	ADJ
gujaf-390	275	26	governance	governance	NOUN
gujaf-390	275	27	different	different	ADJ
gujaf-390	275	28	for	for	ADP
gujaf-390	275	29	bank	bank	NOUN
gujaf-390	275	30	holding	hold	VERB
gujaf-390	275	31	companies	company	NOUN
gujaf-390	275	32	?	?	PUNCT
gujaf-390	276	1	economic	economic	ADJ
gujaf-390	276	2	policy	policy	NOUN
gujaf-390	276	3	review	review	NOUN
gujaf-390	276	4	,	,	PUNCT
gujaf-390	276	5	9(1	9(1	NUM
gujaf-390	276	6	)	)	PUNCT
gujaf-390	276	7	,	,	PUNCT
gujaf-390	276	8	123	123	NUM
gujaf-390	276	9	-	-	SYM
gujaf-390	276	10	140	140	NUM
gujaf-390	276	11	.	.	PUNCT
gujaf-390	277	1	adeusi	adeusi	PROPN
gujaf-390	277	2	,	,	PUNCT
gujaf-390	277	3	s.	s.	PROPN
gujaf-390	277	4	o.	o.	PROPN
gujaf-390	277	5	,	,	PUNCT
gujaf-390	277	6	akeke	akeke	NOUN
gujaf-390	277	7	,	,	PUNCT
gujaf-390	277	8	n.	n.	PROPN
gujaf-390	277	9	i.	i.	PROPN
gujaf-390	277	10	,	,	PUNCT
gujaf-390	277	11	adebisi	adebisi	ADJ
gujaf-390	277	12	,	,	PUNCT
gujaf-390	277	13	o.	o.	PROPN
gujaf-390	277	14	s.	s.	PROPN
gujaf-390	277	15	,	,	PUNCT
gujaf-390	277	16	&	&	CCONJ
gujaf-390	277	17	oladunjoye	oladunjoye	PROPN
gujaf-390	277	18	,	,	PUNCT
gujaf-390	277	19	o.	o.	PROPN
gujaf-390	277	20	(	(	PUNCT
gujaf-390	277	21	2014	2014	NUM
gujaf-390	277	22	)	)	PUNCT
gujaf-390	277	23	.	.	PUNCT
gujaf-390	278	1	risk	risk	NOUN
gujaf-390	278	2	management	management	NOUN
gujaf-390	278	3	and	and	CCONJ
gujaf-390	278	4	financial	financial	ADJ
gujaf-390	278	5	performance	performance	NOUN
gujaf-390	278	6	of	of	ADP
gujaf-390	278	7	banks	bank	NOUN
gujaf-390	278	8	in	in	ADP
gujaf-390	278	9	nigeria	nigeria	PROPN
gujaf-390	278	10	.	.	PUNCT
gujaf-390	279	1	european	european	PROPN
gujaf-390	279	2	journal	journal	PROPN
gujaf-390	279	3	of	of	ADP
gujaf-390	279	4	business	business	NOUN
gujaf-390	279	5	and	and	CCONJ
gujaf-390	279	6	management	management	NOUN
gujaf-390	279	7	,	,	PUNCT
gujaf-390	279	8	6(31	6(31	NUM
gujaf-390	279	9	)	)	PUNCT
gujaf-390	279	10	,	,	PUNCT
gujaf-390	279	11	336	336	NUM
gujaf-390	279	12	-	-	SYM
gujaf-390	279	13	342	342	NUM
gujaf-390	279	14	.	.	PUNCT
gujaf-390	280	1	akerlof	akerlof	PROPN
gujaf-390	280	2	,	,	PUNCT
gujaf-390	280	3	g.a	g.a	PROPN
gujaf-390	280	4	.	.	PROPN
gujaf-390	280	5	(	(	PUNCT
gujaf-390	280	6	1970	1970	NUM
gujaf-390	280	7	)	)	PUNCT
gujaf-390	280	8	.	.	PUNCT
gujaf-390	281	1	the	the	DET
gujaf-390	281	2	market	market	NOUN
gujaf-390	281	3	for	for	ADP
gujaf-390	281	4	'	'	PUNCT
gujaf-390	281	5	lemons	lemon	NOUN
gujaf-390	281	6	'	'	PART
gujaf-390	281	7	:	:	PUNCT
gujaf-390	281	8	quality	quality	NOUN
gujaf-390	281	9	uncertainty	uncertainty	NOUN
gujaf-390	281	10	and	and	CCONJ
gujaf-390	281	11	the	the	DET
gujaf-390	281	12	market	market	NOUN
gujaf-390	281	13	mechanism	mechanism	NOUN
gujaf-390	281	14	.	.	PUNCT
gujaf-390	282	1	quarterly	quarterly	ADJ
gujaf-390	282	2	journal	journal	NOUN
gujaf-390	282	3	of	of	ADP
gujaf-390	282	4	economics	economic	NOUN
gujaf-390	282	5	,	,	PUNCT
gujaf-390	282	6	84(3	84(3	NUM
gujaf-390	282	7	)	)	PUNCT
gujaf-390	282	8	,	,	PUNCT
gujaf-390	282	9	488	488	NUM
gujaf-390	282	10	-	-	SYM
gujaf-390	282	11	500	500	NUM
gujaf-390	282	12	.	.	PUNCT
gujaf-390	283	1	alford	alford	PROPN
gujaf-390	283	2	,	,	PUNCT
gujaf-390	283	3	d.	d.	PROPN
gujaf-390	283	4	(	(	PUNCT
gujaf-390	283	5	2010	2010	NUM
gujaf-390	283	6	)	)	PUNCT
gujaf-390	283	7	.	.	PUNCT
gujaf-390	284	1	nigerian	nigerian	ADJ
gujaf-390	284	2	banking	banking	NOUN
gujaf-390	284	3	reform	reform	NOUN
gujaf-390	284	4	:	:	PUNCT
gujaf-390	284	5	recent	recent	ADJ
gujaf-390	284	6	actions	action	NOUN
gujaf-390	284	7	and	and	CCONJ
gujaf-390	284	8	future	future	ADJ
gujaf-390	284	9	prospects	prospect	NOUN
gujaf-390	284	10	.	.	PUNCT
gujaf-390	285	1	online	online	ADV
gujaf-390	285	2	available	available	ADJ
gujaf-390	285	3	from	from	ADP
gujaf-390	285	4	:	:	PUNCT
gujaf-390	285	5	http://ssrn.com/abstract=1592599	http://ssrn.com/abstract=1592599	NOUN
gujaf-390	285	6	(	(	PUNCT
gujaf-390	285	7	march	march	PROPN
gujaf-390	285	8	1	1	NUM
gujaf-390	285	9	,	,	PUNCT
gujaf-390	285	10	2011	2011	NUM
gujaf-390	285	11	)	)	PUNCT
gujaf-390	285	12	.	.	PUNCT
gujaf-390	286	1	allen	allen	PROPN
gujaf-390	286	2	,	,	PUNCT
gujaf-390	286	3	f.	f.	PROPN
gujaf-390	286	4	,	,	PUNCT
gujaf-390	286	5	&	&	CCONJ
gujaf-390	286	6	santomero	santomero	NOUN
gujaf-390	286	7	,	,	PUNCT
gujaf-390	286	8	a.	a.	NOUN
gujaf-390	286	9	m.	m.	NOUN
gujaf-390	286	10	(	(	PUNCT
gujaf-390	286	11	1997	1997	NUM
gujaf-390	286	12	)	)	PUNCT
gujaf-390	286	13	.	.	PUNCT
gujaf-390	287	1	the	the	DET
gujaf-390	287	2	theory	theory	NOUN
gujaf-390	287	3	of	of	ADP
gujaf-390	287	4	financial	financial	ADJ
gujaf-390	287	5	intermediation	intermediation	NOUN
gujaf-390	287	6	.	.	PUNCT
gujaf-390	288	1	journal	journal	NOUN
gujaf-390	288	2	of	of	ADP
gujaf-390	288	3	banking	banking	NOUN
gujaf-390	288	4	and	and	CCONJ
gujaf-390	288	5	finance	finance	NOUN
gujaf-390	288	6	,	,	PUNCT
gujaf-390	288	7	21(11	21(11	NUM
gujaf-390	288	8	-	-	SYM
gujaf-390	288	9	12	12	NUM
gujaf-390	288	10	)	)	PUNCT
gujaf-390	288	11	,	,	PUNCT
gujaf-390	288	12	1461	1461	NUM
gujaf-390	288	13	-	-	SYM
gujaf-390	288	14	1485	1485	NUM
gujaf-390	288	15	.	.	PUNCT
gujaf-390	289	1	https://doi.org/10.1016/s0378-4266(97)00045-7	https://doi.org/10.1016/s0378-4266(97)00045-7	PROPN
gujaf-390	289	2	allen	allen	PROPN
gujaf-390	289	3	,	,	PUNCT
gujaf-390	289	4	f.	f.	PROPN
gujaf-390	289	5	&	&	CCONJ
gujaf-390	289	6	gale	gale	PROPN
gujaf-390	289	7	,	,	PUNCT
gujaf-390	289	8	d(2004	d(2004	PROPN
gujaf-390	289	9	)	)	PUNCT
gujaf-390	289	10	.	.	PUNCT
gujaf-390	290	1	financial	financial	ADJ
gujaf-390	290	2	intermediaries	intermediary	NOUN
gujaf-390	290	3	and	and	CCONJ
gujaf-390	290	4	market	market	NOUN
gujaf-390	290	5	.	.	PUNCT
gujaf-390	291	1	journal	journal	PROPN
gujaf-390	291	2	of	of	ADP
gujaf-390	291	3	econometric	econometric	ADJ
gujaf-390	291	4	society	society	NOUN
gujaf-390	291	5	72(4	72(4	NOUN
gujaf-390	291	6	)	)	PUNCT
gujaf-390	291	7	,	,	PUNCT
gujaf-390	291	8	1023	1023	NUM
gujaf-390	291	9	-	-	SYM
gujaf-390	291	10	1061	1061	NUM
gujaf-390	291	11	alshatti	alshatti	PROPN
gujaf-390	291	12	,	,	PUNCT
gujaf-390	291	13	a.s	a.s	PROPN
gujaf-390	291	14	.	.	PROPN
gujaf-390	291	15	(	(	PUNCT
gujaf-390	291	16	2015	2015	NUM
gujaf-390	291	17	)	)	PUNCT
gujaf-390	291	18	.	.	PUNCT
gujaf-390	292	1	the	the	DET
gujaf-390	292	2	effect	effect	NOUN
gujaf-390	292	3	of	of	ADP
gujaf-390	292	4	credit	credit	NOUN
gujaf-390	292	5	risk	risk	NOUN
gujaf-390	292	6	management	management	NOUN
gujaf-390	292	7	on	on	ADP
gujaf-390	292	8	financial	financial	ADJ
gujaf-390	292	9	performance	performance	NOUN
gujaf-390	292	10	of	of	ADP
gujaf-390	292	11	the	the	DET
gujaf-390	292	12	jordanian	jordanian	ADJ
gujaf-390	292	13	commercial	commercial	ADJ
gujaf-390	292	14	banks	bank	NOUN
gujaf-390	292	15	.	.	PUNCT
gujaf-390	293	1	investment	investment	NOUN
gujaf-390	293	2	management	management	NOUN
gujaf-390	293	3	and	and	CCONJ
gujaf-390	293	4	financial	financial	ADJ
gujaf-390	293	5	innovations	innovation	NOUN
gujaf-390	293	6	,	,	PUNCT
gujaf-390	293	7	12(1	12(1	NUM
gujaf-390	293	8	):	):	PUNCT
gujaf-390	293	9	338	338	NUM
gujaf-390	293	10	-	-	SYM
gujaf-390	293	11	339	339	NUM
gujaf-390	293	12	.	.	PUNCT
gujaf-390	294	1	alzoubi	alzoubi	PROPN
gujaf-390	294	2	,	,	PUNCT
gujaf-390	294	3	t.	t.	PROPN
gujaf-390	294	4	(	(	PUNCT
gujaf-390	294	5	2017	2017	NUM
gujaf-390	294	6	)	)	PUNCT
gujaf-390	294	7	.	.	PUNCT
gujaf-390	295	1	determinants	determinant	NOUN
gujaf-390	295	2	of	of	ADP
gujaf-390	295	3	liquidity	liquidity	NOUN
gujaf-390	295	4	risk	risk	NOUN
gujaf-390	295	5	in	in	ADP
gujaf-390	295	6	islamic	islamic	ADJ
gujaf-390	295	7	banks	bank	NOUN
gujaf-390	295	8	.	.	PUNCT
gujaf-390	296	1	banks	bank	NOUN
gujaf-390	296	2	and	and	CCONJ
gujaf-390	296	3	bank	bank	NOUN
gujaf-390	296	4	systems	system	NOUN
gujaf-390	296	5	(	(	PUNCT
gujaf-390	296	6	open	open	ADJ
gujaf-390	296	7	-	-	PUNCT
gujaf-390	296	8	access	access	NOUN
gujaf-390	296	9	)	)	PUNCT
gujaf-390	296	10	,	,	PUNCT
gujaf-390	296	11	journal	journal	NOUN
gujaf-390	296	12	of	of	ADP
gujaf-390	296	13	finance,12(3	finance,12(3	PROPN
gujaf-390	296	14	)	)	PUNCT
gujaf-390	296	15	,	,	PUNCT
gujaf-390	296	16	142	142	NUM
gujaf-390	296	17	-	-	SYM
gujaf-390	296	18	148	148	NUM
gujaf-390	296	19	.	.	PUNCT
gujaf-390	297	1	basel	basel	PROPN
gujaf-390	297	2	committee	committee	PROPN
gujaf-390	297	3	on	on	ADP
gujaf-390	297	4	banking	banking	NOUN
gujaf-390	297	5	supervision	supervision	NOUN
gujaf-390	297	6	,	,	PUNCT
gujaf-390	297	7	(	(	PUNCT
gujaf-390	297	8	2001	2001	NUM
gujaf-390	297	9	)	)	PUNCT
gujaf-390	297	10	.	.	PUNCT
gujaf-390	298	1	risk	risk	NOUN
gujaf-390	298	2	management	management	NOUN
gujaf-390	298	3	practices	practice	NOUN
gujaf-390	298	4	and	and	CCONJ
gujaf-390	298	5	regulatory	regulatory	ADJ
gujaf-390	298	6	capital	capital	NOUN
gujaf-390	298	7	:	:	PUNCT
gujaf-390	298	8	cross	cross	ADJ
gujaf-390	298	9	-	-	ADJ
gujaf-390	298	10	sectional	sectional	ADJ
gujaf-390	298	11	comparison	comparison	NOUN
gujaf-390	298	12	.	.	PUNCT
gujaf-390	299	1	basel	basel	PROPN
gujaf-390	299	2	committee	committee	PROPN
gujaf-390	299	3	on	on	ADP
gujaf-390	299	4	banking	banking	NOUN
gujaf-390	299	5	supervision	supervision	NOUN
gujaf-390	299	6	.	.	PUNCT
gujaf-390	300	1	retrieved	retrieve	VERB
gujaf-390	300	2	fromwww.bis.org	fromwww.bis.org	PROPN
gujaf-390	300	3	.	.	PUNCT
gujaf-390	301	1	basel	basel	PROPN
gujaf-390	301	2	committee	committee	PROPN
gujaf-390	301	3	on	on	ADP
gujaf-390	301	4	banking	banking	NOUN
gujaf-390	301	5	supervision	supervision	NOUN
gujaf-390	301	6	.	.	PUNCT
gujaf-390	302	1	(	(	PUNCT
gujaf-390	302	2	2010	2010	NUM
gujaf-390	302	3	)	)	PUNCT
gujaf-390	302	4	.	.	PUNCT
gujaf-390	303	1	basel	basel	PROPN
gujaf-390	303	2	iii	iii	PROPN
gujaf-390	303	3	:	:	PUNCT
gujaf-390	303	4	a	a	DET
gujaf-390	303	5	global	global	ADJ
gujaf-390	303	6	regulatory	regulatory	ADJ
gujaf-390	303	7	framework	framework	NOUN
gujaf-390	303	8	for	for	ADP
gujaf-390	303	9	more	more	ADV
gujaf-390	303	10	resilient	resilient	ADJ
gujaf-390	303	11	banks	bank	NOUN
gujaf-390	303	12	and	and	CCONJ
gujaf-390	303	13	banking	banking	NOUN
gujaf-390	303	14	systems	system	NOUN
gujaf-390	303	15	.	.	PUNCT
gujaf-390	304	1	bank	bank	PROPN
gujaf-390	304	2	for	for	ADP
gujaf-390	304	3	international	international	ADJ
gujaf-390	304	4	settlements	settlement	NOUN
gujaf-390	304	5	.	.	PUNCT
gujaf-390	305	1	https://www.bis.org/publ/bcbs189.pdf	https://www.bis.org/publ/bcbs189.pdf	X
gujaf-390	305	2	berger	berger	PROPN
gujaf-390	305	3	,	,	PUNCT
gujaf-390	305	4	a.	a.	PROPN
gujaf-390	305	5	n.	n.	PROPN
gujaf-390	305	6	,	,	PUNCT
gujaf-390	305	7	&	&	CCONJ
gujaf-390	305	8	deyoung	deyoung	PROPN
gujaf-390	305	9	,	,	PUNCT
gujaf-390	305	10	r.	r.	PROPN
gujaf-390	305	11	(	(	PUNCT
gujaf-390	305	12	1997	1997	NUM
gujaf-390	305	13	)	)	PUNCT
gujaf-390	305	14	.	.	PUNCT
gujaf-390	306	1	problem	problem	NOUN
gujaf-390	306	2	loans	loan	NOUN
gujaf-390	306	3	and	and	CCONJ
gujaf-390	306	4	cost	cost	NOUN
gujaf-390	306	5	efficiency	efficiency	NOUN
gujaf-390	306	6	in	in	ADP
gujaf-390	306	7	commercial	commercial	ADJ
gujaf-390	306	8	banks	bank	NOUN
gujaf-390	306	9	.	.	PUNCT
gujaf-390	307	1	journal	journal	NOUN
gujaf-390	307	2	of	of	ADP
gujaf-390	307	3	banking	banking	NOUN
gujaf-390	307	4	and	and	CCONJ
gujaf-390	307	5	finance	finance	NOUN
gujaf-390	307	6	,	,	PUNCT
gujaf-390	307	7	21(6	21(6	PROPN
gujaf-390	307	8	)	)	PUNCT
gujaf-390	307	9	,	,	PUNCT
gujaf-390	307	10	849	849	NUM
gujaf-390	307	11	-	-	SYM
gujaf-390	307	12	870	870	NUM
gujaf-390	307	13	.	.	PUNCT
gujaf-390	308	1	https://doi.org/10.1016/s03784266(97)00020-9	https://doi.org/10.1016/s03784266(97)00020-9	NOUN
gujaf-390	308	2	bgl	bgl	PROPN
gujaf-390	308	3	banking	banking	NOUN
gujaf-390	308	4	report	report	NOUN
gujaf-390	308	5	(	(	PUNCT
gujaf-390	308	6	2010	2010	NUM
gujaf-390	308	7	)	)	PUNCT
gujaf-390	308	8	.	.	PUNCT
gujaf-390	309	1	getting	get	VERB
gujaf-390	309	2	banks	bank	NOUN
gujaf-390	309	3	to	to	PART
gujaf-390	309	4	lend	lend	VERB
gujaf-390	309	5	again	again	ADV
gujaf-390	309	6	the	the	DET
gujaf-390	309	7	banker	banker	NOUN
gujaf-390	309	8	’s	’s	PART
gujaf-390	309	9	magazine	magazine	NOUN
gujaf-390	309	10	of	of	ADP
gujaf-390	309	11	july	july	PROPN
gujaf-390	309	12	2012	2012	NUM
gujaf-390	309	13	,	,	PUNCT
gujaf-390	309	14	publication	publication	NOUN
gujaf-390	309	15	of	of	ADP
gujaf-390	309	16	the	the	DET
gujaf-390	309	17	financial	financial	PROPN
gujaf-390	309	18	times	times	PROPN
gujaf-390	309	19	ltd	ltd	PROPN
gujaf-390	309	20	.	.	PROPN
gujaf-390	309	21	london	london	PROPN
gujaf-390	309	22	.	.	PUNCT
gujaf-390	310	1	gusau	gusau	PROPN
gujaf-390	310	2	journal	journal	PROPN
gujaf-390	310	3	of	of	ADP
gujaf-390	310	4	accounting	accounting	NOUN
gujaf-390	310	5	and	and	CCONJ
gujaf-390	310	6	finance	finance	NOUN
gujaf-390	310	7	,	,	PUNCT
gujaf-390	310	8	vol.6	vol.6	PROPN
gujaf-390	310	9	,	,	PUNCT
gujaf-390	310	10	issue	issue	NOUN
gujaf-390	310	11	1	1	NUM
gujaf-390	310	12	,	,	PUNCT
gujaf-390	310	13	april	april	PROPN
gujaf-390	310	14	,	,	PUNCT
gujaf-390	310	15	2025	2025	NUM
gujaf-390	310	16	376	376	NUM
gujaf-390	310	17	bikker	bikker	PROPN
gujaf-390	310	18	j.a	j.a	PROPN
gujaf-390	310	19	.	.	PROPN
gujaf-390	310	20	,	,	PUNCT
gujaf-390	310	21	&	&	CCONJ
gujaf-390	310	22	metzemakers	metzemaker	NOUN
gujaf-390	310	23	,	,	PUNCT
gujaf-390	310	24	p.a	p.a	PROPN
gujaf-390	310	25	.	.	PROPN
gujaf-390	310	26	(	(	PUNCT
gujaf-390	310	27	2005	2005	NUM
gujaf-390	310	28	)	)	PUNCT
gujaf-390	310	29	,	,	PUNCT
gujaf-390	310	30	bank	bank	NOUN
gujaf-390	310	31	provisioning	provision	VERB
gujaf-390	310	32	behaviour	behaviour	NOUN
gujaf-390	310	33	and	and	CCONJ
gujaf-390	310	34	procyclicality	procyclicality	NOUN
gujaf-390	310	35	.	.	PUNCT
gujaf-390	311	1	journal	journal	PROPN
gujaf-390	311	2	of	of	ADP
gujaf-390	311	3	international	international	ADJ
gujaf-390	311	4	financial	financial	ADJ
gujaf-390	311	5	markets	market	NOUN
gujaf-390	311	6	,	,	PUNCT
gujaf-390	311	7	institutions	institution	NOUN
gujaf-390	311	8	and	and	CCONJ
gujaf-390	311	9	money,15(2	money,15(2	PROPN
gujaf-390	311	10	)	)	PUNCT
gujaf-390	311	11	,	,	PUNCT
gujaf-390	311	12	141	141	NUM
gujaf-390	311	13	157	157	NUM
gujaf-390	311	14	.	.	PUNCT
gujaf-390	312	1	bofondi	bofondi	PROPN
gujaf-390	312	2	,	,	PUNCT
gujaf-390	312	3	m.	m.	NOUN
gujaf-390	312	4	,	,	PUNCT
gujaf-390	312	5	&	&	CCONJ
gujaf-390	312	6	gobbi	gobbi	PROPN
gujaf-390	312	7	,	,	PUNCT
gujaf-390	312	8	g.	g.	PROPN
gujaf-390	312	9	(	(	PUNCT
gujaf-390	312	10	2003	2003	NUM
gujaf-390	312	11	)	)	PUNCT
gujaf-390	312	12	.	.	PUNCT
gujaf-390	313	1	bad	bad	ADJ
gujaf-390	313	2	loans	loan	NOUN
gujaf-390	313	3	and	and	CCONJ
gujaf-390	313	4	entry	entry	NOUN
gujaf-390	313	5	in	in	ADP
gujaf-390	313	6	local	local	ADJ
gujaf-390	313	7	credit	credit	NOUN
gujaf-390	313	8	markets	market	NOUN
gujaf-390	313	9	,	,	PUNCT
gujaf-390	313	10	bank	bank	PROPN
gujaf-390	313	11	of	of	ADP
gujaf-390	313	12	italy	italy	PROPN
gujaf-390	313	13	research	research	PROPN
gujaf-390	313	14	department	department	PROPN
gujaf-390	313	15	,	,	PUNCT
gujaf-390	313	16	rome	rome	PROPN
gujaf-390	313	17	.	.	PUNCT
gujaf-390	314	1	carter	carter	PROPN
gujaf-390	314	2	,	,	PUNCT
gujaf-390	314	3	h.	h.	PROPN
gujaf-390	314	4	,	,	PUNCT
gujaf-390	314	5	&	&	CCONJ
gujaf-390	314	6	singh	singh	PROPN
gujaf-390	314	7	,	,	PUNCT
gujaf-390	314	8	r.	r.	PROPN
gujaf-390	314	9	(	(	PUNCT
gujaf-390	314	10	2023	2023	NUM
gujaf-390	314	11	)	)	PUNCT
gujaf-390	314	12	.	.	PUNCT
gujaf-390	315	1	market	market	NOUN
gujaf-390	315	2	risk	risk	NOUN
gujaf-390	315	3	and	and	CCONJ
gujaf-390	315	4	financial	financial	ADJ
gujaf-390	315	5	stability	stability	NOUN
gujaf-390	315	6	:	:	PUNCT
gujaf-390	315	7	a	a	DET
gujaf-390	315	8	dynamic	dynamic	ADJ
gujaf-390	315	9	analysis	analysis	NOUN
gujaf-390	315	10	of	of	ADP
gujaf-390	315	11	global	global	ADJ
gujaf-390	315	12	banking	banking	NOUN
gujaf-390	315	13	markets	market	NOUN
gujaf-390	315	14	.	.	PUNCT
gujaf-390	316	1	journal	journal	NOUN
gujaf-390	316	2	of	of	ADP
gujaf-390	316	3	financial	financial	ADJ
gujaf-390	316	4	markets	market	NOUN
gujaf-390	316	5	,	,	PUNCT
gujaf-390	316	6	32(4	32(4	NUM
gujaf-390	316	7	)	)	PUNCT
gujaf-390	316	8	,	,	PUNCT
gujaf-390	316	9	245	245	NUM
gujaf-390	316	10	-	-	SYM
gujaf-390	316	11	269	269	NUM
gujaf-390	316	12	.	.	PUNCT
gujaf-390	317	1	https://doi.org/10.1016/j.finmar.2023.02.001	https://doi.org/10.1016/j.finmar.2023.02.001	NOUN
gujaf-390	317	2	central	central	ADJ
gujaf-390	317	3	bank	bank	NOUN
gujaf-390	317	4	of	of	ADP
gujaf-390	317	5	nigeria	nigeria	PROPN
gujaf-390	317	6	,	,	PUNCT
gujaf-390	317	7	(	(	PUNCT
gujaf-390	317	8	2010	2010	NUM
gujaf-390	317	9	)	)	PUNCT
gujaf-390	317	10	.	.	PUNCT
gujaf-390	318	1	financial	financial	ADJ
gujaf-390	318	2	stability	stability	NOUN
gujaf-390	318	3	report	report	NOUN
gujaf-390	318	4	;	;	PUNCT
gujaf-390	318	5	maiden	maiden	NOUN
gujaf-390	318	6	edition	edition	NOUN
gujaf-390	318	7	.	.	PUNCT
gujaf-390	319	1	central	central	PROPN
gujaf-390	319	2	bank	bank	PROPN
gujaf-390	319	3	of	of	ADP
gujaf-390	319	4	nigeria	nigeria	PROPN
gujaf-390	319	5	,	,	PUNCT
gujaf-390	319	6	(	(	PUNCT
gujaf-390	319	7	2016	2016	NUM
gujaf-390	319	8	)	)	PUNCT
gujaf-390	319	9	.	.	PUNCT
gujaf-390	320	1	cbn	cbn	PROPN
gujaf-390	320	2	and	and	CCONJ
gujaf-390	320	3	banks	bank	NOUN
gujaf-390	320	4	649	649	NUM
gujaf-390	320	5	billion	billion	NUM
gujaf-390	320	6	naira	naira	NUM
gujaf-390	320	7	bad	bad	ADJ
gujaf-390	320	8	loans	loan	NOUN
gujaf-390	320	9	.	.	PUNCT
gujaf-390	321	1	punch	punch	VERB
gujaf-390	321	2	editorial	editorial	NOUN
gujaf-390	321	3	board	board	NOUN
gujaf-390	321	4	.	.	PUNCT
gujaf-390	322	1	chen	chen	PROPN
gujaf-390	322	2	,	,	PUNCT
gujaf-390	322	3	k.	k.	PROPN
gujaf-390	322	4	,	,	PUNCT
gujaf-390	322	5	&	&	CCONJ
gujaf-390	322	6	pan	pan	PROPN
gujaf-390	322	7	,	,	PUNCT
gujaf-390	322	8	c.	c.	PROPN
gujaf-390	322	9	(	(	PUNCT
gujaf-390	322	10	2012	2012	NUM
gujaf-390	322	11	)	)	PUNCT
gujaf-390	322	12	.	.	PUNCT
gujaf-390	323	1	an	an	DET
gujaf-390	323	2	empirical	empirical	ADJ
gujaf-390	323	3	study	study	NOUN
gujaf-390	323	4	of	of	ADP
gujaf-390	323	5	credit	credit	NOUN
gujaf-390	323	6	risk	risk	NOUN
gujaf-390	323	7	efficiency	efficiency	NOUN
gujaf-390	323	8	of	of	ADP
gujaf-390	323	9	banking	banking	NOUN
gujaf-390	323	10	industry	industry	NOUN
gujaf-390	323	11	in	in	ADP
gujaf-390	323	12	taiwan	taiwan	PROPN
gujaf-390	323	13	,	,	PUNCT
gujaf-390	323	14	web	web	NOUN
gujaf-390	323	15	journal	journal	NOUN
gujaf-390	323	16	of	of	ADP
gujaf-390	323	17	chinese	chinese	PROPN
gujaf-390	323	18	management	management	PROPN
gujaf-390	323	19	review	review	NOUN
gujaf-390	323	20	,	,	PUNCT
gujaf-390	323	21	15(1	15(1	NUM
gujaf-390	323	22	)	)	PUNCT
gujaf-390	323	23	,	,	PUNCT
gujaf-390	323	24	1	1	NUM
gujaf-390	323	25	-	-	SYM
gujaf-390	323	26	16	16	NUM
gujaf-390	323	27	.	.	PUNCT
gujaf-390	324	1	chipa	chipa	PROPN
gujaf-390	324	2	,	,	PUNCT
gujaf-390	324	3	m.	m.	NOUN
gujaf-390	324	4	,	,	PUNCT
gujaf-390	324	5	&	&	CCONJ
gujaf-390	324	6	wamiori	wamiori	PROPN
gujaf-390	324	7	,	,	PUNCT
gujaf-390	324	8	g.	g.	PROPN
gujaf-390	324	9	,	,	PUNCT
gujaf-390	324	10	(	(	PUNCT
gujaf-390	324	11	2017	2017	NUM
gujaf-390	324	12	)	)	PUNCT
gujaf-390	324	13	.	.	PUNCT
gujaf-390	325	1	effects	effect	NOUN
gujaf-390	325	2	of	of	ADP
gujaf-390	325	3	risk	risk	NOUN
gujaf-390	325	4	management	management	NOUN
gujaf-390	325	5	on	on	ADP
gujaf-390	325	6	financial	financial	ADJ
gujaf-390	325	7	performance	performance	NOUN
gujaf-390	325	8	of	of	ADP
gujaf-390	325	9	insurance	insurance	NOUN
gujaf-390	325	10	companies	company	NOUN
gujaf-390	325	11	in	in	ADP
gujaf-390	325	12	mombasa	mombasa	PROPN
gujaf-390	325	13	county	county	PROPN
gujaf-390	325	14	kenya	kenya	PROPN
gujaf-390	325	15	.	.	PUNCT
gujaf-390	326	1	imperial	imperial	ADJ
gujaf-390	326	2	journal	journal	PROPN
gujaf-390	326	3	of	of	ADP
gujaf-390	326	4	interdisciplinary	interdisciplinary	NOUN
gujaf-390	326	5	,	,	PUNCT
gujaf-390	326	6	3(5	3(5	NUM
gujaf-390	326	7	)	)	PUNCT
gujaf-390	326	8	259	259	NUM
gujaf-390	326	9	-	-	SYM
gujaf-390	326	10	282	282	NUM
gujaf-390	326	11	collins	collin	NOUN
gujaf-390	326	12	,	,	PUNCT
gujaf-390	326	13	a.	a.	PROPN
gujaf-390	326	14	,	,	PUNCT
gujaf-390	326	15	&	&	CCONJ
gujaf-390	326	16	mcallister	mcallister	PROPN
gujaf-390	326	17	,	,	PUNCT
gujaf-390	326	18	r.	r.	PROPN
gujaf-390	326	19	(	(	PUNCT
gujaf-390	326	20	2023	2023	NUM
gujaf-390	326	21	)	)	PUNCT
gujaf-390	326	22	.	.	PUNCT
gujaf-390	327	1	the	the	DET
gujaf-390	327	2	effect	effect	NOUN
gujaf-390	327	3	of	of	ADP
gujaf-390	327	4	risk	risk	NOUN
gujaf-390	327	5	management	management	NOUN
gujaf-390	327	6	on	on	ADP
gujaf-390	327	7	bank	bank	NOUN
gujaf-390	327	8	profitability	profitability	NOUN
gujaf-390	327	9	in	in	ADP
gujaf-390	327	10	emerging	emerge	VERB
gujaf-390	327	11	markets	market	NOUN
gujaf-390	327	12	.	.	PUNCT
gujaf-390	328	1	international	international	ADJ
gujaf-390	328	2	journal	journal	NOUN
gujaf-390	328	3	of	of	ADP
gujaf-390	328	4	banking	banking	NOUN
gujaf-390	328	5	and	and	CCONJ
gujaf-390	328	6	finance	finance	NOUN
gujaf-390	328	7	,	,	PUNCT
gujaf-390	328	8	41(1	41(1	NUM
gujaf-390	328	9	)	)	PUNCT
gujaf-390	328	10	,	,	PUNCT
gujaf-390	328	11	58	58	NUM
gujaf-390	328	12	-	-	SYM
gujaf-390	328	13	72	72	NUM
gujaf-390	328	14	.	.	PUNCT
gujaf-390	329	1	https://doi.org/10.2139/ssrn.3492025	https://doi.org/10.2139/ssrn.3492025	ADJ
gujaf-390	329	2	cooper	cooper	PROPN
gujaf-390	329	3	mj	mj	PROPN
gujaf-390	329	4	,	,	PUNCT
gujaf-390	329	5	jackson	jackson	PROPN
gujaf-390	329	6	we	we	PROPN
gujaf-390	329	7	,	,	PUNCT
gujaf-390	329	8	patterson	patterson	PROPN
gujaf-390	329	9	ga	ga	PROPN
gujaf-390	329	10	(	(	PUNCT
gujaf-390	329	11	2003	2003	NUM
gujaf-390	329	12	)	)	PUNCT
gujaf-390	329	13	evidence	evidence	NOUN
gujaf-390	329	14	of	of	ADP
gujaf-390	329	15	predictability	predictability	NOUN
gujaf-390	329	16	in	in	ADP
gujaf-390	329	17	the	the	DET
gujaf-390	329	18	cross	cross	NOUN
gujaf-390	329	19	-	-	NOUN
gujaf-390	329	20	section	section	NOUN
gujaf-390	329	21	of	of	ADP
gujaf-390	329	22	bank	bank	NOUN
gujaf-390	329	23	stock	stock	NOUN
gujaf-390	329	24	returns	return	NOUN
gujaf-390	329	25	,	,	PUNCT
gujaf-390	329	26	journal	journal	NOUN
gujaf-390	329	27	of	of	ADP
gujaf-390	329	28	banking	banking	NOUN
gujaf-390	329	29	and	and	CCONJ
gujaf-390	329	30	finance	finance	NOUN
gujaf-390	329	31	,	,	PUNCT
gujaf-390	329	32	27(5):817	27(5):817	NOUN
gujaf-390	329	33	-	-	SYM
gujaf-390	329	34	850	850	NUM
gujaf-390	329	35	.	.	PUNCT
gujaf-390	330	1	darabi	darabi	NOUN
gujaf-390	330	2	,	,	PUNCT
gujaf-390	330	3	r.	r.	PROPN
gujaf-390	330	4	,	,	PUNCT
gujaf-390	330	5	&	&	CCONJ
gujaf-390	330	6	molayi	molayi	PROPN
gujaf-390	330	7	,	,	PUNCT
gujaf-390	330	8	a.	a.	NOUN
gujaf-390	330	9	(	(	PUNCT
gujaf-390	330	10	2011	2011	NUM
gujaf-390	330	11	)	)	PUNCT
gujaf-390	330	12	.	.	PUNCT
gujaf-390	331	1	the	the	DET
gujaf-390	331	2	impact	impact	NOUN
gujaf-390	331	3	of	of	ADP
gujaf-390	331	4	liquidity	liquidity	NOUN
gujaf-390	331	5	,	,	PUNCT
gujaf-390	331	6	inflation	inflation	NOUN
gujaf-390	331	7	,	,	PUNCT
gujaf-390	331	8	capital	capital	NOUN
gujaf-390	331	9	preservation	preservation	NOUN
gujaf-390	331	10	,	,	PUNCT
gujaf-390	331	11	and	and	CCONJ
gujaf-390	331	12	gdp	gdp	NOUN
gujaf-390	331	13	variables	variable	NOUN
gujaf-390	331	14	on	on	ADP
gujaf-390	331	15	profitability	profitability	NOUN
gujaf-390	331	16	of	of	ADP
gujaf-390	331	17	bank	bank	NOUN
gujaf-390	331	18	mellat	mellat	ADJ
gujaf-390	331	19	,	,	PUNCT
gujaf-390	331	20	journal	journal	NOUN
gujaf-390	331	21	of	of	ADP
gujaf-390	331	22	financial	financial	ADJ
gujaf-390	331	23	knowledge	knowledge	NOUN
gujaf-390	331	24	of	of	ADP
gujaf-390	331	25	exchange	exchange	NOUN
gujaf-390	331	26	,	,	PUNCT
gujaf-390	331	27	10	10	NUM
gujaf-390	331	28	,	,	PUNCT
gujaf-390	331	29	139	139	NUM
gujaf-390	331	30	-	-	SYM
gujaf-390	331	31	180	180	NUM
gujaf-390	331	32	.	.	PUNCT
gujaf-390	332	1	davies	davy	NOUN
gujaf-390	332	2	,	,	PUNCT
gujaf-390	332	3	m.	m.	NOUN
gujaf-390	332	4	,	,	PUNCT
gujaf-390	332	5	&	&	CCONJ
gujaf-390	332	6	patel	patel	PROPN
gujaf-390	332	7	,	,	PUNCT
gujaf-390	332	8	s.	s.	PROPN
gujaf-390	332	9	(	(	PUNCT
gujaf-390	332	10	2023	2023	NUM
gujaf-390	332	11	)	)	PUNCT
gujaf-390	332	12	.	.	PUNCT
gujaf-390	333	1	advancements	advancement	NOUN
gujaf-390	333	2	in	in	ADP
gujaf-390	333	3	credit	credit	NOUN
gujaf-390	333	4	risk	risk	NOUN
gujaf-390	333	5	management	management	NOUN
gujaf-390	333	6	and	and	CCONJ
gujaf-390	333	7	their	their	PRON
gujaf-390	333	8	impact	impact	NOUN
gujaf-390	333	9	on	on	ADP
gujaf-390	333	10	bank	bank	NOUN
gujaf-390	333	11	performance	performance	NOUN
gujaf-390	333	12	.	.	PUNCT
gujaf-390	334	1	journal	journal	NOUN
gujaf-390	334	2	of	of	ADP
gujaf-390	334	3	risk	risk	NOUN
gujaf-390	334	4	management	management	NOUN
gujaf-390	334	5	,	,	PUNCT
gujaf-390	334	6	22(2	22(2	NUM
gujaf-390	334	7	)	)	PUNCT
gujaf-390	334	8	,	,	PUNCT
gujaf-390	334	9	124	124	NUM
gujaf-390	334	10	-	-	SYM
gujaf-390	334	11	138	138	NUM
gujaf-390	334	12	.	.	PUNCT
gujaf-390	335	1	https://doi.org/10.1016/j.jorm.2023.03.010	https://doi.org/10.1016/j.jorm.2023.03.010	PROPN
gujaf-390	335	2	dodds	dodds	PROPN
gujaf-390	335	3	,	,	PUNCT
gujaf-390	335	4	j.	j.	PROPN
gujaf-390	335	5	c.	c.	PROPN
gujaf-390	335	6	(	(	PUNCT
gujaf-390	335	7	1982).the	1982).the	PRON
gujaf-390	335	8	term	term	NOUN
gujaf-390	335	9	structure	structure	NOUN
gujaf-390	335	10	of	of	ADP
gujaf-390	335	11	interest	interest	NOUN
gujaf-390	335	12	rates	rate	NOUN
gujaf-390	335	13	:	:	PUNCT
gujaf-390	335	14	a	a	DET
gujaf-390	335	15	survey	survey	NOUN
gujaf-390	335	16	of	of	ADP
gujaf-390	335	17	the	the	DET
gujaf-390	335	18	theories	theory	NOUN
gujaf-390	335	19	and	and	CCONJ
gujaf-390	335	20	empirical	empirical	ADJ
gujaf-390	335	21	evidence	evidence	NOUN
gujaf-390	335	22	.	.	PUNCT
gujaf-390	336	1	managerial	managerial	ADJ
gujaf-390	336	2	finance	finance	NOUN
gujaf-390	336	3	,	,	PUNCT
gujaf-390	336	4	8(2	8(2	NUM
gujaf-390	336	5	)	)	PUNCT
gujaf-390	336	6	,	,	PUNCT
gujaf-390	336	7	22	22	NUM
gujaf-390	336	8	-	-	SYM
gujaf-390	336	9	31	31	NUM
gujaf-390	336	10	.	.	PUNCT
gujaf-390	337	1	dugguh	dugguh	PROPN
gujaf-390	337	2	,	,	PUNCT
gujaf-390	337	3	s.i	s.i	PROPN
gujaf-390	337	4	.	.	PROPN
gujaf-390	337	5	,	,	PUNCT
gujaf-390	337	6	&	&	CCONJ
gujaf-390	337	7	diggi	diggi	PROPN
gujaf-390	337	8	,	,	PUNCT
gujaf-390	337	9	j.	j.	PROPN
gujaf-390	337	10	(	(	PUNCT
gujaf-390	337	11	2015	2015	NUM
gujaf-390	337	12	)	)	PUNCT
gujaf-390	337	13	.risk	.risk	NOUN
gujaf-390	337	14	management	management	NOUN
gujaf-390	337	15	strategies	strategy	NOUN
gujaf-390	337	16	in	in	ADP
gujaf-390	337	17	financial	financial	ADJ
gujaf-390	337	18	institutions	institution	NOUN
gujaf-390	337	19	in	in	ADP
gujaf-390	337	20	nigeria	nigeria	PROPN
gujaf-390	337	21	:	:	PUNCT
gujaf-390	337	22	the	the	DET
gujaf-390	337	23	experience	experience	NOUN
gujaf-390	337	24	of	of	ADP
gujaf-390	337	25	commercial	commercial	ADJ
gujaf-390	337	26	banks	bank	NOUN
gujaf-390	337	27	.	.	PUNCT
gujaf-390	338	1	international	international	ADJ
gujaf-390	338	2	journal	journal	PROPN
gujaf-390	338	3	of	of	ADP
gujaf-390	338	4	research	research	NOUN
gujaf-390	338	5	in	in	ADP
gujaf-390	338	6	business	business	NOUN
gujaf-390	338	7	studies	study	NOUN
gujaf-390	338	8	and	and	CCONJ
gujaf-390	338	9	management	management	NOUN
gujaf-390	338	10	,	,	PUNCT
gujaf-390	338	11	2(6	2(6	NUM
gujaf-390	338	12	)	)	PUNCT
gujaf-390	338	13	,	,	PUNCT
gujaf-390	338	14	66	66	NUM
gujaf-390	338	15	-	-	SYM
gujaf-390	338	16	73	73	NUM
gujaf-390	338	17	fadare	fadare	NOUN
gujaf-390	338	18	,	,	PUNCT
gujaf-390	338	19	s.	s.	PROPN
gujaf-390	338	20	(	(	PUNCT
gujaf-390	338	21	2011	2011	NUM
gujaf-390	338	22	)	)	PUNCT
gujaf-390	338	23	.	.	PUNCT
gujaf-390	339	1	banking	banking	NOUN
gujaf-390	339	2	crisis	crisis	NOUN
gujaf-390	339	3	and	and	CCONJ
gujaf-390	339	4	financial	financial	ADJ
gujaf-390	339	5	stability	stability	NOUN
gujaf-390	339	6	in	in	ADP
gujaf-390	339	7	nigeria	nigeria	PROPN
gujaf-390	339	8	.	.	PUNCT
gujaf-390	340	1	international	international	ADJ
gujaf-390	340	2	research	research	PROPN
gujaf-390	340	3	journal	journal	NOUN
gujaf-390	340	4	of	of	ADP
gujaf-390	340	5	finance	finance	NOUN
gujaf-390	340	6	and	and	CCONJ
gujaf-390	340	7	economics	economic	NOUN
gujaf-390	340	8	,	,	PUNCT
gujaf-390	340	9	63	63	NUM
gujaf-390	340	10	,	,	PUNCT
gujaf-390	340	11	199	199	NUM
gujaf-390	340	12	–	–	SYM
gujaf-390	340	13	215	215	NUM
gujaf-390	340	14	.	.	PUNCT
gujaf-390	341	1	fletcher	fletcher	PROPN
gujaf-390	341	2	,	,	PUNCT
gujaf-390	341	3	d.	d.	PROPN
gujaf-390	341	4	,	,	PUNCT
gujaf-390	341	5	&	&	CCONJ
gujaf-390	341	6	li	li	PROPN
gujaf-390	341	7	,	,	PUNCT
gujaf-390	341	8	t.	t.	PROPN
gujaf-390	341	9	(	(	PUNCT
gujaf-390	341	10	2024	2024	NUM
gujaf-390	341	11	)	)	PUNCT
gujaf-390	341	12	.	.	PUNCT
gujaf-390	342	1	market	market	NOUN
gujaf-390	342	2	risk	risk	NOUN
gujaf-390	342	3	management	management	NOUN
gujaf-390	342	4	techniques	technique	NOUN
gujaf-390	342	5	and	and	CCONJ
gujaf-390	342	6	their	their	PRON
gujaf-390	342	7	influence	influence	NOUN
gujaf-390	342	8	on	on	ADP
gujaf-390	342	9	bank	bank	NOUN
gujaf-390	342	10	capital	capital	NOUN
gujaf-390	342	11	adequacy	adequacy	NOUN
gujaf-390	342	12	.	.	PUNCT
gujaf-390	343	1	financial	financial	ADJ
gujaf-390	343	2	review	review	PROPN
gujaf-390	343	3	,	,	PUNCT
gujaf-390	343	4	49(3	49(3	PROPN
gujaf-390	343	5	)	)	PUNCT
gujaf-390	343	6	,	,	PUNCT
gujaf-390	343	7	67	67	NUM
gujaf-390	343	8	-	-	SYM
gujaf-390	343	9	83	83	NUM
gujaf-390	343	10	.	.	PUNCT
gujaf-390	344	1	https://doi.org/10.1002/j.finr.2024.08.005	https://doi.org/10.1002/j.finr.2024.08.005	VERB
gujaf-390	344	2	gorton	gorton	PROPN
gujaf-390	344	3	,	,	PUNCT
gujaf-390	344	4	g.	g.	PROPN
gujaf-390	344	5	,	,	PUNCT
gujaf-390	344	6	&	&	CCONJ
gujaf-390	344	7	winton	winton	PROPN
gujaf-390	344	8	,	,	PUNCT
gujaf-390	344	9	a.	a.	NOUN
gujaf-390	344	10	(	(	PUNCT
gujaf-390	344	11	2003	2003	NUM
gujaf-390	344	12	)	)	PUNCT
gujaf-390	344	13	.	.	PUNCT
gujaf-390	345	1	financial	financial	ADJ
gujaf-390	345	2	intermediation	intermediation	NOUN
gujaf-390	345	3	.	.	PUNCT
gujaf-390	346	1	in	in	ADP
gujaf-390	346	2	handbook	handbook	NOUN
gujaf-390	346	3	of	of	ADP
gujaf-390	346	4	the	the	DET
gujaf-390	346	5	economics	economic	NOUN
gujaf-390	346	6	of	of	ADP
gujaf-390	346	7	finance	finance	NOUN
gujaf-390	346	8	(	(	PUNCT
gujaf-390	346	9	vol	vol	NOUN
gujaf-390	346	10	.	.	PROPN
gujaf-390	346	11	1	1	NUM
gujaf-390	346	12	,	,	PUNCT
gujaf-390	346	13	pp	pp	ADJ
gujaf-390	346	14	.	.	PUNCT
gujaf-390	347	1	431	431	NUM
gujaf-390	347	2	-	-	SYM
gujaf-390	347	3	552	552	NUM
gujaf-390	347	4	)	)	PUNCT
gujaf-390	347	5	.	.	PUNCT
gujaf-390	348	1	elsevier	elsevier	NOUN
gujaf-390	348	2	.	.	PUNCT
gujaf-390	349	1	https://doi.org/10.1016/s1574-0102(03)010094	https://doi.org/10.1016/s1574-0102(03)010094	PROPN
gujaf-390	349	2	gusau	gusau	ADJ
gujaf-390	349	3	journal	journal	PROPN
gujaf-390	349	4	of	of	ADP
gujaf-390	349	5	accounting	accounting	NOUN
gujaf-390	349	6	and	and	CCONJ
gujaf-390	349	7	finance	finance	NOUN
gujaf-390	349	8	,	,	PUNCT
gujaf-390	349	9	vol.6	vol.6	PROPN
gujaf-390	349	10	,	,	PUNCT
gujaf-390	349	11	issue	issue	NOUN
gujaf-390	349	12	1	1	NUM
gujaf-390	349	13	,	,	PUNCT
gujaf-390	349	14	april	april	PROPN
gujaf-390	349	15	,	,	PUNCT
gujaf-390	349	16	2025	2025	NUM
gujaf-390	349	17	377	377	NUM
gujaf-390	349	18	greuning	greuning	NOUN
gujaf-390	349	19	,	,	PUNCT
gujaf-390	349	20	h.v	h.v	PROPN
gujaf-390	349	21	.	.	PROPN
gujaf-390	349	22	,	,	PUNCT
gujaf-390	349	23	&	&	CCONJ
gujaf-390	349	24	bratanovic	bratanovic	PROPN
gujaf-390	349	25	,	,	PUNCT
gujaf-390	349	26	s.	s.	PROPN
gujaf-390	349	27	b.	b.	PROPN
gujaf-390	349	28	(	(	PUNCT
gujaf-390	349	29	2009	2009	NUM
gujaf-390	349	30	)	)	PUNCT
gujaf-390	349	31	.	.	PUNCT
gujaf-390	350	1	analyzing	analyze	VERB
gujaf-390	350	2	banking	banking	NOUN
gujaf-390	350	3	risk	risk	NOUN
gujaf-390	350	4	:	:	PUNCT
gujaf-390	350	5	a	a	DET
gujaf-390	350	6	framework	framework	NOUN
gujaf-390	350	7	for	for	ADP
gujaf-390	350	8	assessing	assess	VERB
gujaf-390	350	9	corporate	corporate	ADJ
gujaf-390	350	10	governance	governance	NOUN
gujaf-390	350	11	and	and	CCONJ
gujaf-390	350	12	risk	risk	NOUN
gujaf-390	350	13	management	management	NOUN
gujaf-390	350	14	.	.	PUNCT
gujaf-390	351	1	3rd	3rd	ADJ
gujaf-390	351	2	edition	edition	NOUN
gujaf-390	351	3	.	.	PUNCT
gujaf-390	352	1	the	the	DET
gujaf-390	352	2	world	world	PROPN
gujaf-390	352	3	bank	bank	PROPN
gujaf-390	352	4	.	.	PUNCT
gujaf-390	353	1	washington	washington	PROPN
gujaf-390	353	2	,	,	PUNCT
gujaf-390	353	3	usa	usa	PROPN
gujaf-390	353	4	.	.	PROPN
gujaf-390	353	5	harelimana	harelimana	PROPN
gujaf-390	353	6	,	,	PUNCT
gujaf-390	353	7	j.b	j.b	PROPN
gujaf-390	353	8	.	.	PUNCT
gujaf-390	354	1	(	(	PUNCT
gujaf-390	354	2	2017).the	2017).the	DET
gujaf-390	354	3	role	role	NOUN
gujaf-390	354	4	of	of	ADP
gujaf-390	354	5	risk	risk	NOUN
gujaf-390	354	6	management	management	NOUN
gujaf-390	354	7	on	on	ADP
gujaf-390	354	8	financial	financial	ADJ
gujaf-390	354	9	performance	performance	NOUN
gujaf-390	354	10	of	of	ADP
gujaf-390	354	11	banking	banking	NOUN
gujaf-390	354	12	institutions	institution	NOUN
gujaf-390	354	13	in	in	ADP
gujaf-390	354	14	rwanda	rwanda	PROPN
gujaf-390	354	15	,	,	PUNCT
gujaf-390	354	16	journal	journal	NOUN
gujaf-390	354	17	of	of	ADP
gujaf-390	354	18	business	business	NOUN
gujaf-390	354	19	and	and	CCONJ
gujaf-390	354	20	economics	economic	NOUN
gujaf-390	354	21	,	,	PUNCT
gujaf-390	354	22	8(1	8(1	NOUN
gujaf-390	354	23	)	)	PUNCT
gujaf-390	354	24	,	,	PUNCT
gujaf-390	354	25	1	1	NUM
gujaf-390	354	26	-	-	SYM
gujaf-390	354	27	5	5	NUM
gujaf-390	354	28	.	.	PUNCT
gujaf-390	355	1	harris	harris	PROPN
gujaf-390	355	2	,	,	PUNCT
gujaf-390	355	3	j.	j.	PROPN
gujaf-390	355	4	,	,	PUNCT
gujaf-390	355	5	lewis	lewis	PROPN
gujaf-390	355	6	,	,	PUNCT
gujaf-390	355	7	p.	p.	PROPN
gujaf-390	355	8	,	,	PUNCT
gujaf-390	355	9	&	&	CCONJ
gujaf-390	355	10	park	park	PROPN
gujaf-390	355	11	,	,	PUNCT
gujaf-390	355	12	s.	s.	PROPN
gujaf-390	355	13	(	(	PUNCT
gujaf-390	355	14	2022	2022	NUM
gujaf-390	355	15	)	)	PUNCT
gujaf-390	355	16	.	.	PUNCT
gujaf-390	356	1	liquidity	liquidity	NOUN
gujaf-390	356	2	risk	risk	NOUN
gujaf-390	356	3	management	management	NOUN
gujaf-390	356	4	post-2008	post-2008	NOUN
gujaf-390	356	5	:	:	PUNCT
gujaf-390	356	6	regulations	regulation	NOUN
gujaf-390	356	7	and	and	CCONJ
gujaf-390	356	8	market	market	NOUN
gujaf-390	356	9	adjustments	adjustment	NOUN
gujaf-390	356	10	.	.	PUNCT
gujaf-390	357	1	journal	journal	NOUN
gujaf-390	357	2	of	of	ADP
gujaf-390	357	3	banking	banking	NOUN
gujaf-390	357	4	regulation	regulation	NOUN
gujaf-390	357	5	,	,	PUNCT
gujaf-390	357	6	36(4	36(4	NUM
gujaf-390	357	7	)	)	PUNCT
gujaf-390	357	8	,	,	PUNCT
gujaf-390	357	9	212	212	NUM
gujaf-390	357	10	-	-	SYM
gujaf-390	357	11	230	230	NUM
gujaf-390	357	12	.	.	PUNCT
gujaf-390	358	1	https://doi.org/10.1057/jbr.2022.0107	https://doi.org/10.1057/jbr.2022.0107	PROPN
gujaf-390	358	2	heffernan	heffernan	PROPN
gujaf-390	358	3	,	,	PUNCT
gujaf-390	358	4	s.	s.	PROPN
gujaf-390	358	5	(	(	PUNCT
gujaf-390	358	6	1996	1996	NUM
gujaf-390	358	7	)	)	PUNCT
gujaf-390	358	8	.	.	PUNCT
gujaf-390	359	1	modern	modern	ADJ
gujaf-390	359	2	banking	banking	NOUN
gujaf-390	359	3	in	in	ADP
gujaf-390	359	4	theory	theory	NOUN
gujaf-390	359	5	and	and	CCONJ
gujaf-390	359	6	practice	practice	NOUN
gujaf-390	359	7	,	,	PUNCT
gujaf-390	359	8	wiley	wiley	PROPN
gujaf-390	359	9	,	,	PUNCT
gujaf-390	359	10	new	new	PROPN
gujaf-390	359	11	york	york	PROPN
gujaf-390	359	12	,	,	PUNCT
gujaf-390	359	13	ny	ny	PROPN
gujaf-390	359	14	,	,	PUNCT
gujaf-390	359	15	huberman	huberman	NOUN
gujaf-390	359	16	.	.	PUNCT
gujaf-390	360	1	hossain	hossain	PROPN
gujaf-390	360	2	,	,	PUNCT
gujaf-390	360	3	m.	m.	NOUN
gujaf-390	360	4	(	(	PUNCT
gujaf-390	360	5	2011	2011	NUM
gujaf-390	360	6	)	)	PUNCT
gujaf-390	360	7	.	.	PUNCT
gujaf-390	361	1	liquidity	liquidity	NOUN
gujaf-390	361	2	risk	risk	NOUN
gujaf-390	361	3	management	management	NOUN
gujaf-390	361	4	:	:	PUNCT
gujaf-390	361	5	a	a	DET
gujaf-390	361	6	literature	literature	PROPN
gujaf-390	361	7	review	review	NOUN
gujaf-390	361	8	.	.	PUNCT
gujaf-390	362	1	journal	journal	PROPN
gujaf-390	362	2	of	of	ADP
gujaf-390	362	3	financial	financial	ADJ
gujaf-390	362	4	risk	risk	NOUN
gujaf-390	362	5	management	management	NOUN
gujaf-390	362	6	,	,	PUNCT
gujaf-390	362	7	4(1	4(1	NOUN
gujaf-390	362	8	)	)	PUNCT
gujaf-390	362	9	,	,	PUNCT
gujaf-390	362	10	65	65	NUM
gujaf-390	362	11	-	-	SYM
gujaf-390	362	12	80	80	NUM
gujaf-390	362	13	.	.	PUNCT
gujaf-390	363	1	hughes	hughes	PROPN
gujaf-390	363	2	,	,	PUNCT
gujaf-390	363	3	s.	s.	PROPN
gujaf-390	363	4	,	,	PUNCT
gujaf-390	363	5	&	&	CCONJ
gujaf-390	363	6	green	green	NOUN
gujaf-390	363	7	,	,	PUNCT
gujaf-390	363	8	m.	m.	NOUN
gujaf-390	363	9	(	(	PUNCT
gujaf-390	363	10	2025	2025	NUM
gujaf-390	363	11	)	)	PUNCT
gujaf-390	363	12	.	.	PUNCT
gujaf-390	364	1	risk	risk	NOUN
gujaf-390	364	2	management	management	NOUN
gujaf-390	364	3	frameworks	framework	NOUN
gujaf-390	364	4	in	in	ADP
gujaf-390	364	5	banks	bank	NOUN
gujaf-390	364	6	:	:	PUNCT
gujaf-390	364	7	regulatory	regulatory	ADJ
gujaf-390	364	8	challenges	challenge	NOUN
gujaf-390	364	9	and	and	CCONJ
gujaf-390	364	10	institutional	institutional	ADJ
gujaf-390	364	11	diversity	diversity	NOUN
gujaf-390	364	12	.	.	PUNCT
gujaf-390	365	1	international	international	ADJ
gujaf-390	365	2	journal	journal	PROPN
gujaf-390	365	3	of	of	ADP
gujaf-390	365	4	financial	financial	ADJ
gujaf-390	365	5	studies	study	NOUN
gujaf-390	365	6	,	,	PUNCT
gujaf-390	365	7	34(1	34(1	NUM
gujaf-390	365	8	)	)	PUNCT
gujaf-390	365	9	,	,	PUNCT
gujaf-390	365	10	142	142	NUM
gujaf-390	365	11	-	-	SYM
gujaf-390	365	12	159	159	NUM
gujaf-390	365	13	.	.	PUNCT
gujaf-390	366	1	https://doi.org/10.3390/ijfs3401010	https://doi.org/10.3390/ijfs3401010	PROPN
gujaf-390	366	2	idowu	idowu	PROPN
gujaf-390	366	3	,	,	PUNCT
gujaf-390	366	4	a.	a.	PROPN
gujaf-390	366	5	,	,	PUNCT
gujaf-390	366	6	&	&	CCONJ
gujaf-390	366	7	awoyemi	awoyemi	PROPN
gujaf-390	366	8	,	,	PUNCT
gujaf-390	366	9	s.	s.	PROPN
gujaf-390	366	10	(	(	PUNCT
gujaf-390	366	11	2014	2014	NUM
gujaf-390	366	12	)	)	PUNCT
gujaf-390	367	1	.the	.the	DET
gujaf-390	367	2	impact	impact	NOUN
gujaf-390	367	3	of	of	ADP
gujaf-390	367	4	credit	credit	NOUN
gujaf-390	367	5	risk	risk	NOUN
gujaf-390	367	6	management	management	NOUN
gujaf-390	367	7	on	on	ADP
gujaf-390	367	8	the	the	DET
gujaf-390	367	9	commercial	commercial	ADJ
gujaf-390	367	10	banks	bank	NOUN
gujaf-390	367	11	performance	performance	NOUN
gujaf-390	367	12	in	in	ADP
gujaf-390	367	13	nigeria	nigeria	PROPN
gujaf-390	367	14	.	.	PUNCT
gujaf-390	368	1	international	international	ADJ
gujaf-390	368	2	journal	journal	PROPN
gujaf-390	368	3	of	of	ADP
gujaf-390	368	4	management	management	NOUN
gujaf-390	368	5	and	and	CCONJ
gujaf-390	368	6	sustainability	sustainability	NOUN
gujaf-390	368	7	,	,	PUNCT
gujaf-390	368	8	3(5	3(5	NUM
gujaf-390	368	9	)	)	PUNCT
gujaf-390	368	10	,	,	PUNCT
gujaf-390	368	11	295	295	NUM
gujaf-390	368	12	-	-	SYM
gujaf-390	368	13	306	306	NUM
gujaf-390	368	14	.	.	PUNCT
gujaf-390	369	1	isanzu	isanzu	PROPN
gujaf-390	369	2	,	,	PUNCT
gujaf-390	369	3	j.s	j.s	PROPN
gujaf-390	369	4	.	.	PROPN
gujaf-390	369	5	(	(	PUNCT
gujaf-390	369	6	2017	2017	NUM
gujaf-390	369	7	)	)	PUNCT
gujaf-390	369	8	.	.	PUNCT
gujaf-390	370	1	the	the	DET
gujaf-390	370	2	impact	impact	NOUN
gujaf-390	370	3	of	of	ADP
gujaf-390	370	4	credit	credit	NOUN
gujaf-390	370	5	risk	risk	NOUN
gujaf-390	370	6	on	on	ADP
gujaf-390	370	7	the	the	DET
gujaf-390	370	8	financial	financial	ADJ
gujaf-390	370	9	performance	performance	NOUN
gujaf-390	370	10	of	of	ADP
gujaf-390	370	11	chinese	chinese	ADJ
gujaf-390	370	12	banks	bank	NOUN
gujaf-390	370	13	.	.	PUNCT
gujaf-390	371	1	journal	journal	PROPN
gujaf-390	371	2	of	of	ADP
gujaf-390	371	3	international	international	ADJ
gujaf-390	371	4	business	business	NOUN
gujaf-390	371	5	research	research	NOUN
gujaf-390	371	6	and	and	CCONJ
gujaf-390	371	7	marketing	marketing	NOUN
gujaf-390	371	8	,	,	PUNCT
gujaf-390	371	9	2(3	2(3	NUM
gujaf-390	371	10	)	)	PUNCT
gujaf-390	371	11	14	14	NUM
gujaf-390	371	12	-	-	SYM
gujaf-390	371	13	17	17	NUM
gujaf-390	371	14	iwedi	iwedi	PROPN
gujaf-390	371	15	,	,	PUNCT
gujaf-390	371	16	m.	m.	NOUN
gujaf-390	371	17	,	,	PUNCT
gujaf-390	371	18	&	&	CCONJ
gujaf-390	371	19	onuegbu	onuegbu	PROPN
gujaf-390	371	20	,	,	PUNCT
gujaf-390	371	21	o.	o.	PROPN
gujaf-390	371	22	(	(	PUNCT
gujaf-390	371	23	2014	2014	NUM
gujaf-390	371	24	)	)	PUNCT
gujaf-390	371	25	credit	credit	NOUN
gujaf-390	371	26	risk	risk	NOUN
gujaf-390	371	27	and	and	CCONJ
gujaf-390	371	28	performance	performance	NOUN
gujaf-390	371	29	of	of	ADP
gujaf-390	371	30	selected	select	VERB
gujaf-390	371	31	deposit	deposit	NOUN
gujaf-390	371	32	money	money	NOUN
gujaf-390	371	33	banks	bank	NOUN
gujaf-390	371	34	in	in	ADP
gujaf-390	371	35	nigeria	nigeria	PROPN
gujaf-390	371	36	:	:	PUNCT
gujaf-390	371	37	an	an	DET
gujaf-390	371	38	empirical	empirical	ADJ
gujaf-390	371	39	investigation	investigation	NOUN
gujaf-390	371	40	.	.	PUNCT
gujaf-390	372	1	european	european	ADJ
gujaf-390	372	2	journal	journal	PROPN
gujaf-390	372	3	of	of	ADP
gujaf-390	372	4	humanities	humanity	NOUN
gujaf-390	372	5	and	and	CCONJ
gujaf-390	372	6	social	social	ADJ
gujaf-390	372	7	sciences	science	NOUN
gujaf-390	372	8	,	,	PUNCT
gujaf-390	372	9	31(1	31(1	NUM
gujaf-390	372	10	)	)	PUNCT
gujaf-390	372	11	,	,	PUNCT
gujaf-390	372	12	1	1	NUM
gujaf-390	372	13	-	-	SYM
gujaf-390	372	14	12	12	NUM
gujaf-390	372	15	.	.	PUNCT
gujaf-390	373	1	jones	jones	PROPN
gujaf-390	373	2	,	,	PUNCT
gujaf-390	373	3	p.	p.	PROPN
gujaf-390	373	4	,	,	PUNCT
gujaf-390	373	5	&	&	CCONJ
gujaf-390	373	6	taylor	taylor	PROPN
gujaf-390	373	7	,	,	PUNCT
gujaf-390	373	8	c.	c.	PROPN
gujaf-390	373	9	(	(	PUNCT
gujaf-390	373	10	2022	2022	NUM
gujaf-390	373	11	)	)	PUNCT
gujaf-390	373	12	.	.	PUNCT
gujaf-390	374	1	financial	financial	ADJ
gujaf-390	374	2	risk	risk	NOUN
gujaf-390	374	3	management	management	NOUN
gujaf-390	374	4	in	in	ADP
gujaf-390	374	5	banking	banking	NOUN
gujaf-390	374	6	institutions	institution	NOUN
gujaf-390	374	7	:	:	PUNCT
gujaf-390	374	8	a	a	DET
gujaf-390	374	9	comprehensive	comprehensive	ADJ
gujaf-390	374	10	overview	overview	NOUN
gujaf-390	374	11	.	.	PUNCT
gujaf-390	375	1	journal	journal	NOUN
gujaf-390	375	2	of	of	ADP
gujaf-390	375	3	risk	risk	NOUN
gujaf-390	375	4	and	and	CCONJ
gujaf-390	375	5	financial	financial	ADJ
gujaf-390	375	6	management	management	NOUN
gujaf-390	375	7	,	,	PUNCT
gujaf-390	375	8	35(2	35(2	NUM
gujaf-390	375	9	)	)	PUNCT
gujaf-390	375	10	,	,	PUNCT
gujaf-390	375	11	98	98	NUM
gujaf-390	375	12	-	-	SYM
gujaf-390	375	13	115	115	NUM
gujaf-390	375	14	.	.	PUNCT
gujaf-390	376	1	https://doi.org/10.3390/jrfm3502012	https://doi.org/10.3390/jrfm3502012	PROPN
gujaf-390	376	2	khan	khan	PROPN
gujaf-390	376	3	,	,	PUNCT
gujaf-390	376	4	m.	m.	NOUN
gujaf-390	376	5	,	,	PUNCT
gujaf-390	376	6	sheikh	sheikh	PROPN
gujaf-390	376	7	,	,	PUNCT
gujaf-390	376	8	a.	a.	PROPN
gujaf-390	376	9	,	,	PUNCT
gujaf-390	376	10	&	&	CCONJ
gujaf-390	376	11	hussain	hussain	PROPN
gujaf-390	376	12	,	,	PUNCT
gujaf-390	376	13	r.	r.	PROPN
gujaf-390	376	14	(	(	PUNCT
gujaf-390	376	15	2023	2023	NUM
gujaf-390	376	16	)	)	PUNCT
gujaf-390	376	17	.	.	PUNCT
gujaf-390	377	1	strategic	strategic	ADJ
gujaf-390	377	2	credit	credit	NOUN
gujaf-390	377	3	risk	risk	NOUN
gujaf-390	377	4	management	management	NOUN
gujaf-390	377	5	and	and	CCONJ
gujaf-390	377	6	its	its	PRON
gujaf-390	377	7	impact	impact	NOUN
gujaf-390	377	8	on	on	ADP
gujaf-390	377	9	financial	financial	ADJ
gujaf-390	377	10	performance	performance	NOUN
gujaf-390	377	11	in	in	ADP
gujaf-390	377	12	the	the	DET
gujaf-390	377	13	banking	banking	NOUN
gujaf-390	377	14	sector	sector	NOUN
gujaf-390	377	15	.	.	PUNCT
gujaf-390	378	1	financial	financial	ADJ
gujaf-390	378	2	economics	economic	NOUN
gujaf-390	378	3	journal	journal	NOUN
gujaf-390	378	4	,	,	PUNCT
gujaf-390	378	5	11(3	11(3	NUM
gujaf-390	378	6	)	)	PUNCT
gujaf-390	378	7	,	,	PUNCT
gujaf-390	378	8	85102	85102	NUM
gujaf-390	378	9	.	.	PUNCT
gujaf-390	379	1	https://doi.org/10.1016/j.fineco.2023.01.004	https://doi.org/10.1016/j.fineco.2023.01.004	NOUN
gujaf-390	379	2	kimotho	kimotho	PROPN
gujaf-390	379	3	,	,	PUNCT
gujaf-390	379	4	d.n	d.n	PROPN
gujaf-390	379	5	.	.	PROPN
gujaf-390	379	6	&	&	CCONJ
gujaf-390	379	7	gekara	gekara	PROPN
gujaf-390	379	8	,	,	PUNCT
gujaf-390	379	9	m.	m.	NOUN
gujaf-390	379	10	(	(	PUNCT
gujaf-390	379	11	2016	2016	NUM
gujaf-390	379	12	)	)	PUNCT
gujaf-390	379	13	.	.	PUNCT
gujaf-390	380	1	effects	effect	NOUN
gujaf-390	380	2	of	of	ADP
gujaf-390	380	3	credit	credit	NOUN
gujaf-390	380	4	risk	risk	NOUN
gujaf-390	380	5	management	management	NOUN
gujaf-390	380	6	practices	practice	NOUN
gujaf-390	380	7	on	on	ADP
gujaf-390	380	8	financial	financial	ADJ
gujaf-390	380	9	performance	performance	NOUN
gujaf-390	380	10	of	of	ADP
gujaf-390	380	11	commercial	commercial	ADJ
gujaf-390	380	12	banks	bank	NOUN
gujaf-390	380	13	in	in	ADP
gujaf-390	380	14	kenya	kenya	PROPN
gujaf-390	380	15	.	.	PUNCT
gujaf-390	381	1	international	international	ADJ
gujaf-390	381	2	journal	journal	PROPN
gujaf-390	381	3	of	of	ADP
gujaf-390	381	4	economics	economics	PROPN
gujaf-390	381	5	&	&	CCONJ
gujaf-390	381	6	finance	finance	PROPN
gujaf-390	381	7	,	,	PUNCT
gujaf-390	381	8	2(3	2(3	NUM
gujaf-390	381	9	)	)	PUNCT
gujaf-390	381	10	,	,	PUNCT
gujaf-390	381	11	116	116	NUM
gujaf-390	381	12	-	-	SYM
gujaf-390	381	13	189	189	NUM
gujaf-390	381	14	.	.	PUNCT
gujaf-390	382	1	kithinji	kithinji	PROPN
gujaf-390	382	2	,	,	PUNCT
gujaf-390	382	3	m.	m.	NOUN
gujaf-390	382	4	(	(	PUNCT
gujaf-390	382	5	2010	2010	NUM
gujaf-390	382	6	)	)	PUNCT
gujaf-390	382	7	.	.	PUNCT
gujaf-390	383	1	credit	credit	NOUN
gujaf-390	383	2	risk	risk	NOUN
gujaf-390	383	3	management	management	NOUN
gujaf-390	383	4	and	and	CCONJ
gujaf-390	383	5	profitability	profitability	NOUN
gujaf-390	383	6	of	of	ADP
gujaf-390	383	7	commercial	commercial	ADJ
gujaf-390	383	8	banks	bank	NOUN
gujaf-390	383	9	in	in	ADP
gujaf-390	383	10	kenya	kenya	PROPN
gujaf-390	383	11	,	,	PUNCT
gujaf-390	383	12	school	school	NOUN
gujaf-390	383	13	of	of	ADP
gujaf-390	383	14	business	business	NOUN
gujaf-390	383	15	,	,	PUNCT
gujaf-390	383	16	university	university	PROPN
gujaf-390	383	17	of	of	ADP
gujaf-390	383	18	nairobi	nairobi	PROPN
gujaf-390	383	19	-	-	PUNCT
gujaf-390	383	20	kenya	kenya	PROPN
gujaf-390	383	21	.	.	PUNCT
gujaf-390	384	1	1	1	NUM
gujaf-390	384	2	-	-	SYM
gujaf-390	384	3	42	42	NUM
gujaf-390	384	4	.	.	PUNCT
gujaf-390	384	5	accessed	access	VERB
gujaf-390	384	6	at	at	ADP
gujaf-390	384	7	:	:	PUNCT
gujaf-390	384	8	http://www.aibuma.org/proceedings2011/aibuma2011-submission232.pdf	http://www.aibuma.org/proceedings2011/aibuma2011-submission232.pdf	PROPN
gujaf-390	384	9	kodithuwakku	kodithuwakku	NOUN
gujaf-390	384	10	,	,	PUNCT
gujaf-390	384	11	s.	s.	PROPN
gujaf-390	384	12	(	(	PUNCT
gujaf-390	384	13	2014	2014	NUM
gujaf-390	384	14	)	)	PUNCT
gujaf-390	384	15	.	.	PUNCT
gujaf-390	385	1	impact	impact	NOUN
gujaf-390	385	2	of	of	ADP
gujaf-390	385	3	credit	credit	NOUN
gujaf-390	385	4	risk	risk	NOUN
gujaf-390	385	5	management	management	NOUN
gujaf-390	385	6	on	on	ADP
gujaf-390	385	7	the	the	DET
gujaf-390	385	8	performance	performance	NOUN
gujaf-390	385	9	of	of	ADP
gujaf-390	385	10	commercial	commercial	ADJ
gujaf-390	385	11	banks	bank	NOUN
gujaf-390	385	12	in	in	ADP
gujaf-390	385	13	sri	sri	PROPN
gujaf-390	385	14	lanka	lanka	PROPN
gujaf-390	385	15	;	;	PUNCT
gujaf-390	385	16	journal	journal	NOUN
gujaf-390	385	17	of	of	ADP
gujaf-390	385	18	emerging	emerge	VERB
gujaf-390	385	19	issues	issue	NOUN
gujaf-390	385	20	in	in	ADP
gujaf-390	385	21	economics	economic	NOUN
gujaf-390	385	22	,	,	PUNCT
gujaf-390	385	23	finance	finance	NOUN
gujaf-390	385	24	and	and	CCONJ
gujaf-390	385	25	banking	banking	NOUN
gujaf-390	385	26	,	,	PUNCT
gujaf-390	385	27	3(1	3(1	NUM
gujaf-390	385	28	)	)	PUNCT
gujaf-390	385	29	,	,	PUNCT
gujaf-390	385	30	1	1	NUM
gujaf-390	385	31	-	-	SYM
gujaf-390	385	32	8	8	NUM
gujaf-390	385	33	gusau	gusau	ADJ
gujaf-390	385	34	journal	journal	NOUN
gujaf-390	385	35	of	of	ADP
gujaf-390	385	36	accounting	accounting	NOUN
gujaf-390	385	37	and	and	CCONJ
gujaf-390	385	38	finance	finance	NOUN
gujaf-390	385	39	,	,	PUNCT
gujaf-390	385	40	vol.6	vol.6	PROPN
gujaf-390	385	41	,	,	PUNCT
gujaf-390	385	42	issue	issue	NOUN
gujaf-390	385	43	1	1	NUM
gujaf-390	385	44	,	,	PUNCT
gujaf-390	385	45	april	april	PROPN
gujaf-390	385	46	,	,	PUNCT
gujaf-390	385	47	2025	2025	NUM
gujaf-390	385	48	378	378	NUM
gujaf-390	385	49	kolapo	kolapo	ADJ
gujaf-390	385	50	,	,	PUNCT
gujaf-390	385	51	t.f	t.f	PROPN
gujaf-390	385	52	.	.	PROPN
gujaf-390	385	53	,	,	PUNCT
gujaf-390	385	54	ayeni	ayeni	PROPN
gujaf-390	385	55	,	,	PUNCT
gujaf-390	385	56	r.k	r.k	PROPN
gujaf-390	385	57	.	.	PROPN
gujaf-390	385	58	,	,	PUNCT
gujaf-390	385	59	&	&	CCONJ
gujaf-390	385	60	oke	oke	PROPN
gujaf-390	385	61	,	,	PUNCT
gujaf-390	385	62	m.o	m.o	PROPN
gujaf-390	385	63	.	.	PROPN
gujaf-390	385	64	(	(	PUNCT
gujaf-390	385	65	2012	2012	NUM
gujaf-390	385	66	)	)	PUNCT
gujaf-390	385	67	.	.	PUNCT
gujaf-390	386	1	credit	credit	NOUN
gujaf-390	386	2	risk	risk	NOUN
gujaf-390	386	3	and	and	CCONJ
gujaf-390	386	4	commercial	commercial	ADJ
gujaf-390	386	5	banks	bank	NOUN
gujaf-390	386	6	’	'	PUNCT
gujaf-390	386	7	performance	performance	NOUN
gujaf-390	386	8	in	in	ADP
gujaf-390	386	9	nigeria	nigeria	PROPN
gujaf-390	386	10	:	:	PUNCT
gujaf-390	386	11	a	a	DET
gujaf-390	386	12	panel	panel	NOUN
gujaf-390	386	13	model	model	NOUN
gujaf-390	386	14	approach	approach	NOUN
gujaf-390	386	15	.	.	PUNCT
gujaf-390	387	1	australian	australian	ADJ
gujaf-390	387	2	journal	journal	NOUN
gujaf-390	387	3	of	of	ADP
gujaf-390	387	4	business	business	NOUN
gujaf-390	387	5	and	and	CCONJ
gujaf-390	387	6	management	management	NOUN
gujaf-390	387	7	research	research	NOUN
gujaf-390	387	8	,	,	PUNCT
gujaf-390	387	9	2(2	2(2	NUM
gujaf-390	387	10	):	):	PUNCT
gujaf-390	387	11	31	31	NUM
gujaf-390	387	12	-	-	SYM
gujaf-390	387	13	38	38	NUM
gujaf-390	387	14	.	.	PUNCT
gujaf-390	388	1	kumar	kumar	PROPN
gujaf-390	388	2	,	,	PUNCT
gujaf-390	388	3	s.	s.	PROPN
gujaf-390	388	4	,	,	PUNCT
gujaf-390	388	5	&	&	CCONJ
gujaf-390	388	6	sharma	sharma	PROPN
gujaf-390	388	7	,	,	PUNCT
gujaf-390	388	8	n.	n.	NOUN
gujaf-390	388	9	(	(	PUNCT
gujaf-390	388	10	2023	2023	NUM
gujaf-390	388	11	)	)	PUNCT
gujaf-390	388	12	.	.	PUNCT
gujaf-390	389	1	liquidity	liquidity	NOUN
gujaf-390	389	2	risk	risk	NOUN
gujaf-390	389	3	and	and	CCONJ
gujaf-390	389	4	its	its	PRON
gujaf-390	389	5	effects	effect	NOUN
gujaf-390	389	6	on	on	ADP
gujaf-390	389	7	bank	bank	NOUN
gujaf-390	389	8	performance	performance	NOUN
gujaf-390	389	9	in	in	ADP
gujaf-390	389	10	developed	develop	VERB
gujaf-390	389	11	and	and	CCONJ
gujaf-390	389	12	developing	develop	VERB
gujaf-390	389	13	economies	economy	NOUN
gujaf-390	389	14	.	.	PUNCT
gujaf-390	390	1	journal	journal	NOUN
gujaf-390	390	2	of	of	ADP
gujaf-390	390	3	financial	financial	ADJ
gujaf-390	390	4	risk	risk	NOUN
gujaf-390	390	5	management	management	NOUN
gujaf-390	390	6	,	,	PUNCT
gujaf-390	390	7	44(2	44(2	NOUN
gujaf-390	390	8	)	)	PUNCT
gujaf-390	390	9	,	,	PUNCT
gujaf-390	390	10	178	178	NUM
gujaf-390	390	11	-	-	SYM
gujaf-390	390	12	195	195	NUM
gujaf-390	390	13	.	.	PUNCT
gujaf-390	391	1	https://doi.org/10.1016/j.jfrm.2023.04.002	https://doi.org/10.1016/j.jfrm.2023.04.002	NOUN
gujaf-390	391	2	laeven	laeven	ADJ
gujaf-390	391	3	,	,	PUNCT
gujaf-390	391	4	l.	l.	PROPN
gujaf-390	391	5	,	,	PUNCT
gujaf-390	391	6	&	&	CCONJ
gujaf-390	391	7	levine	levine	PROPN
gujaf-390	391	8	,	,	PUNCT
gujaf-390	391	9	r.	r.	PROPN
gujaf-390	391	10	(	(	PUNCT
gujaf-390	391	11	2009	2009	NUM
gujaf-390	391	12	)	)	PUNCT
gujaf-390	391	13	.	.	PUNCT
gujaf-390	392	1	bank	bank	NOUN
gujaf-390	392	2	governance	governance	NOUN
gujaf-390	392	3	,	,	PUNCT
gujaf-390	392	4	regulation	regulation	NOUN
gujaf-390	392	5	,	,	PUNCT
gujaf-390	392	6	and	and	CCONJ
gujaf-390	392	7	risk	risk	NOUN
gujaf-390	392	8	taking	taking	NOUN
gujaf-390	392	9	.	.	PUNCT
gujaf-390	393	1	journal	journal	PROPN
gujaf-390	393	2	of	of	ADP
gujaf-390	393	3	financial	financial	ADJ
gujaf-390	393	4	economics	economic	NOUN
gujaf-390	393	5	,	,	PUNCT
gujaf-390	393	6	93(2	93(2	NOUN
gujaf-390	393	7	)	)	PUNCT
gujaf-390	393	8	,	,	PUNCT
gujaf-390	393	9	259	259	NUM
gujaf-390	393	10	-	-	SYM
gujaf-390	393	11	275	275	NUM
gujaf-390	393	12	.	.	PUNCT
gujaf-390	394	1	https://doi.org/10.1016/j.jfineco.2008.09.003	https://doi.org/10.1016/j.jfineco.2008.09.003	PROPN
gujaf-390	394	2	lartey	lartey	PROPN
gujaf-390	394	3	,	,	PUNCT
gujaf-390	394	4	v.	v.	PROPN
gujaf-390	394	5	c.	c.	PROPN
gujaf-390	394	6	,	,	PUNCT
gujaf-390	394	7	antwi	antwi	PROPN
gujaf-390	394	8	,	,	PUNCT
gujaf-390	394	9	s.	s.	PROPN
gujaf-390	394	10	,	,	PUNCT
gujaf-390	394	11	&	&	CCONJ
gujaf-390	394	12	boadi	boadi	PROPN
gujaf-390	394	13	,	,	PUNCT
gujaf-390	394	14	e.	e.	PROPN
gujaf-390	394	15	k.	k.	PROPN
gujaf-390	394	16	(	(	PUNCT
gujaf-390	394	17	2013).the	2013).the	DET
gujaf-390	394	18	relationship	relationship	NOUN
gujaf-390	394	19	between	between	ADP
gujaf-390	394	20	liquidity	liquidity	NOUN
gujaf-390	394	21	and	and	CCONJ
gujaf-390	394	22	profitability	profitability	NOUN
gujaf-390	394	23	of	of	ADP
gujaf-390	394	24	listed	list	VERB
gujaf-390	394	25	banks	bank	NOUN
gujaf-390	394	26	in	in	ADP
gujaf-390	394	27	ghana	ghana	PROPN
gujaf-390	394	28	.	.	PUNCT
gujaf-390	395	1	international	international	ADJ
gujaf-390	395	2	journal	journal	PROPN
gujaf-390	395	3	of	of	ADP
gujaf-390	395	4	business	business	NOUN
gujaf-390	395	5	and	and	CCONJ
gujaf-390	395	6	social	social	ADJ
gujaf-390	395	7	science	science	NOUN
gujaf-390	395	8	,	,	PUNCT
gujaf-390	395	9	4	4	NUM
gujaf-390	395	10	(	(	PUNCT
gujaf-390	395	11	3	3	NUM
gujaf-390	395	12	)	)	PUNCT
gujaf-390	395	13	.	.	PUNCT
gujaf-390	396	1	23	23	NUM
gujaf-390	396	2	-	-	SYM
gujaf-390	396	3	45	45	NUM
gujaf-390	396	4	.	.	PUNCT
gujaf-390	397	1	lee	lee	PROPN
gujaf-390	397	2	,	,	PUNCT
gujaf-390	397	3	d.	d.	PROPN
gujaf-390	397	4	(	(	PUNCT
gujaf-390	397	5	2023	2023	NUM
gujaf-390	397	6	)	)	PUNCT
gujaf-390	397	7	.	.	PUNCT
gujaf-390	398	1	credit	credit	NOUN
gujaf-390	398	2	risk	risk	NOUN
gujaf-390	398	3	management	management	NOUN
gujaf-390	398	4	:	:	PUNCT
gujaf-390	399	1	theory	theory	NOUN
gujaf-390	399	2	,	,	PUNCT
gujaf-390	399	3	practice	practice	NOUN
gujaf-390	399	4	,	,	PUNCT
gujaf-390	399	5	and	and	CCONJ
gujaf-390	399	6	impact	impact	NOUN
gujaf-390	399	7	on	on	ADP
gujaf-390	399	8	bank	bank	NOUN
gujaf-390	399	9	performance	performance	NOUN
gujaf-390	399	10	.	.	PUNCT
gujaf-390	400	1	journal	journal	NOUN
gujaf-390	400	2	of	of	ADP
gujaf-390	400	3	banking	banking	NOUN
gujaf-390	400	4	and	and	CCONJ
gujaf-390	400	5	finance	finance	NOUN
gujaf-390	400	6	,	,	PUNCT
gujaf-390	400	7	58(6	58(6	NOUN
gujaf-390	400	8	)	)	PUNCT
gujaf-390	400	9	,	,	PUNCT
gujaf-390	400	10	399	399	NUM
gujaf-390	400	11	-	-	SYM
gujaf-390	400	12	414	414	NUM
gujaf-390	400	13	.	.	PUNCT
gujaf-390	401	1	https://doi.org/10.1016/j.jbf.2023.03.005	https://doi.org/10.1016/j.jbf.2023.03.005	PROPN
gujaf-390	401	2	markowitz	markowitz	PROPN
gujaf-390	401	3	,	,	PUNCT
gujaf-390	401	4	h.	h.	PROPN
gujaf-390	401	5	(	(	PUNCT
gujaf-390	401	6	1952	1952	NUM
gujaf-390	401	7	)	)	PUNCT
gujaf-390	401	8	.	.	PUNCT
gujaf-390	402	1	portfolio	portfolio	NOUN
gujaf-390	402	2	selection	selection	NOUN
gujaf-390	402	3	.	.	PUNCT
gujaf-390	403	1	journal	journal	PROPN
gujaf-390	403	2	of	of	ADP
gujaf-390	403	3	finance	finance	NOUN
gujaf-390	403	4	,	,	PUNCT
gujaf-390	403	5	7	7	NUM
gujaf-390	403	6	,	,	PUNCT
gujaf-390	403	7	77	77	NUM
gujaf-390	403	8	-	-	SYM
gujaf-390	403	9	91	91	NUM
gujaf-390	403	10	.	.	PUNCT
gujaf-390	404	1	marsh	marsh	PROPN
gujaf-390	404	2	,	,	PUNCT
gujaf-390	404	3	i.w	i.w	PROPN
gujaf-390	404	4	.	.	PROPN
gujaf-390	404	5	(	(	PUNCT
gujaf-390	404	6	2008	2008	NUM
gujaf-390	404	7	)	)	PUNCT
gujaf-390	404	8	.	.	PUNCT
gujaf-390	405	1	the	the	DET
gujaf-390	405	2	effect	effect	NOUN
gujaf-390	405	3	of	of	ADP
gujaf-390	405	4	lenders	lender	NOUN
gujaf-390	405	5	’	’	PART
gujaf-390	405	6	credit	credit	NOUN
gujaf-390	405	7	risk	risk	NOUN
gujaf-390	405	8	transfer	transfer	NOUN
gujaf-390	405	9	activities	activity	NOUN
gujaf-390	405	10	on	on	ADP
gujaf-390	405	11	borrowing	borrowing	NOUN
gujaf-390	405	12	firms	firm	NOUN
gujaf-390	405	13	’	'	PUNCT
gujaf-390	405	14	equity	equity	NOUN
gujaf-390	405	15	returns	return	NOUN
gujaf-390	405	16	,	,	PUNCT
gujaf-390	405	17	cass	cass	PROPN
gujaf-390	405	18	business	business	PROPN
gujaf-390	405	19	school	school	PROPN
gujaf-390	405	20	,	,	PUNCT
gujaf-390	405	21	london	london	PROPN
gujaf-390	405	22	and	and	CCONJ
gujaf-390	405	23	bank	bank	PROPN
gujaf-390	405	24	of	of	ADP
gujaf-390	405	25	finland	finland	PROPN
gujaf-390	405	26	martinez	martinez	PROPN
gujaf-390	405	27	,	,	PUNCT
gujaf-390	405	28	p.	p.	PROPN
gujaf-390	405	29	,	,	PUNCT
gujaf-390	405	30	&	&	CCONJ
gujaf-390	405	31	zhou	zhou	PROPN
gujaf-390	405	32	,	,	PUNCT
gujaf-390	405	33	j.	j.	PROPN
gujaf-390	405	34	(	(	PUNCT
gujaf-390	405	35	2023	2023	NUM
gujaf-390	405	36	)	)	PUNCT
gujaf-390	405	37	.	.	PUNCT
gujaf-390	406	1	the	the	DET
gujaf-390	406	2	role	role	NOUN
gujaf-390	406	3	of	of	ADP
gujaf-390	406	4	risk	risk	NOUN
gujaf-390	406	5	management	management	NOUN
gujaf-390	406	6	in	in	ADP
gujaf-390	406	7	enhancing	enhance	VERB
gujaf-390	406	8	bank	bank	NOUN
gujaf-390	406	9	performance	performance	NOUN
gujaf-390	406	10	:	:	PUNCT
gujaf-390	406	11	evidence	evidence	NOUN
gujaf-390	406	12	from	from	ADP
gujaf-390	406	13	the	the	DET
gujaf-390	406	14	european	european	PROPN
gujaf-390	406	15	union	union	PROPN
gujaf-390	406	16	.	.	PUNCT
gujaf-390	407	1	risk	risk	NOUN
gujaf-390	407	2	management	management	NOUN
gujaf-390	407	3	review	review	PROPN
gujaf-390	407	4	,	,	PUNCT
gujaf-390	407	5	40(2	40(2	NUM
gujaf-390	407	6	)	)	PUNCT
gujaf-390	407	7	,	,	PUNCT
gujaf-390	407	8	67	67	NUM
gujaf-390	407	9	-	-	SYM
gujaf-390	407	10	89	89	NUM
gujaf-390	407	11	.	.	PUNCT
gujaf-390	408	1	https://doi.org/10.1108/rmr-11-2022-0184	https://doi.org/10.1108/rmr-11-2022-0184	ADP
gujaf-390	408	2	michalak	michalak	NOUN
gujaf-390	408	3	,	,	PUNCT
gujaf-390	408	4	t.	t.	PROPN
gujaf-390	408	5	,	,	PUNCT
gujaf-390	408	6	&	&	CCONJ
gujaf-390	408	7	uhde	uhde	PROPN
gujaf-390	408	8	,	,	PUNCT
gujaf-390	408	9	a.	a.	NOUN
gujaf-390	408	10	(	(	PUNCT
gujaf-390	408	11	2009	2009	NUM
gujaf-390	408	12	)	)	PUNCT
gujaf-390	408	13	.	.	PUNCT
gujaf-390	409	1	credit	credit	NOUN
gujaf-390	409	2	risk	risk	NOUN
gujaf-390	409	3	securitization	securitization	NOUN
gujaf-390	409	4	and	and	CCONJ
gujaf-390	409	5	banking	banking	NOUN
gujaf-390	409	6	stability	stability	NOUN
gujaf-390	409	7	.	.	PUNCT
gujaf-390	410	1	evidence	evidence	NOUN
gujaf-390	410	2	from	from	ADP
gujaf-390	410	3	the	the	DET
gujaf-390	410	4	micro	micro	NOUN
gujaf-390	410	5	-	-	NOUN
gujaf-390	410	6	level	level	NOUN
gujaf-390	410	7	for	for	ADP
gujaf-390	410	8	europe	europe	PROPN
gujaf-390	410	9	,	,	PUNCT
gujaf-390	410	10	draft	draft	NOUN
gujaf-390	410	11	,	,	PUNCT
gujaf-390	410	12	university	university	NOUN
gujaf-390	410	13	of	of	ADP
gujaf-390	410	14	bochum	bochum	NOUN
gujaf-390	410	15	,	,	PUNCT
gujaf-390	410	16	bochum	bochum	NOUN
gujaf-390	410	17	.	.	PUNCT
gujaf-390	411	1	miller	miller	PROPN
gujaf-390	411	2	,	,	PUNCT
gujaf-390	411	3	b.	b.	PROPN
gujaf-390	411	4	(	(	PUNCT
gujaf-390	411	5	2024	2024	NUM
gujaf-390	411	6	)	)	PUNCT
gujaf-390	411	7	.	.	PUNCT
gujaf-390	412	1	the	the	DET
gujaf-390	412	2	evolving	evolve	VERB
gujaf-390	412	3	nature	nature	NOUN
gujaf-390	412	4	of	of	ADP
gujaf-390	412	5	market	market	NOUN
gujaf-390	412	6	risk	risk	NOUN
gujaf-390	412	7	and	and	CCONJ
gujaf-390	412	8	its	its	PRON
gujaf-390	412	9	implications	implication	NOUN
gujaf-390	412	10	for	for	ADP
gujaf-390	412	11	banking	banking	NOUN
gujaf-390	412	12	profitability	profitability	NOUN
gujaf-390	412	13	.	.	PUNCT
gujaf-390	413	1	global	global	ADJ
gujaf-390	413	2	finance	finance	PROPN
gujaf-390	413	3	review	review	PROPN
gujaf-390	413	4	,	,	PUNCT
gujaf-390	413	5	21(1	21(1	NUM
gujaf-390	413	6	)	)	PUNCT
gujaf-390	413	7	,	,	PUNCT
gujaf-390	413	8	50	50	NUM
gujaf-390	413	9	-	-	SYM
gujaf-390	413	10	62	62	NUM
gujaf-390	413	11	.	.	PUNCT
gujaf-390	413	12	https://doi.org/10.1108/gfr-09-20230142	https://doi.org/10.1108/gfr-09-20230142	PROPN
gujaf-390	414	1	molyneux	molyneux	PROPN
gujaf-390	414	2	,	,	PUNCT
gujaf-390	414	3	p.	p.	PROPN
gujaf-390	414	4	,	,	PUNCT
gujaf-390	414	5	&	&	CCONJ
gujaf-390	414	6	thornton	thornton	PROPN
gujaf-390	414	7	,	,	PUNCT
gujaf-390	414	8	j.	j.	PROPN
gujaf-390	414	9	(	(	PUNCT
gujaf-390	414	10	1992	1992	NUM
gujaf-390	414	11	)	)	PUNCT
gujaf-390	414	12	.	.	PUNCT
gujaf-390	415	1	determinants	determinant	NOUN
gujaf-390	415	2	of	of	ADP
gujaf-390	415	3	european	european	PROPN
gujaf-390	415	4	bank	bank	PROPN
gujaf-390	415	5	profitability	profitability	NOUN
gujaf-390	415	6	:	:	PUNCT
gujaf-390	415	7	a	a	DET
gujaf-390	415	8	note	note	NOUN
gujaf-390	415	9	.	.	PUNCT
gujaf-390	416	1	journal	journal	NOUN
gujaf-390	416	2	of	of	ADP
gujaf-390	416	3	banking	banking	NOUN
gujaf-390	416	4	and	and	CCONJ
gujaf-390	416	5	finance	finance	NOUN
gujaf-390	416	6	,	,	PUNCT
gujaf-390	416	7	16(6	16(6	NUM
gujaf-390	416	8	)	)	PUNCT
gujaf-390	416	9	,	,	PUNCT
gujaf-390	416	10	1173	1173	NUM
gujaf-390	416	11	-	-	SYM
gujaf-390	416	12	1178	1178	NUM
gujaf-390	416	13	.	.	PUNCT
gujaf-390	417	1	https://doi.org/10.1016/03784266(92)90065-u	https://doi.org/10.1016/03784266(92)90065-u	PROPN
gujaf-390	417	2	muteti	muteti	PROPN
gujaf-390	417	3	,	,	PUNCT
gujaf-390	417	4	r.	r.	PROPN
gujaf-390	417	5	(	(	PUNCT
gujaf-390	417	6	2014	2014	NUM
gujaf-390	417	7	)	)	PUNCT
gujaf-390	417	8	.	.	PUNCT
gujaf-390	418	1	relationship	relationship	NOUN
gujaf-390	418	2	between	between	ADP
gujaf-390	418	3	financial	financial	ADJ
gujaf-390	418	4	risk	risk	NOUN
gujaf-390	418	5	management	management	NOUN
gujaf-390	418	6	and	and	CCONJ
gujaf-390	418	7	financial	financial	ADJ
gujaf-390	418	8	performance	performance	NOUN
gujaf-390	418	9	of	of	ADP
gujaf-390	418	10	commercial	commercial	ADJ
gujaf-390	418	11	banks	bank	NOUN
gujaf-390	418	12	in	in	ADP
gujaf-390	418	13	kenya	kenya	PROPN
gujaf-390	418	14	,	,	PUNCT
gujaf-390	418	15	unpublished	unpublished	ADJ
gujaf-390	418	16	dissertation	dissertation	NOUN
gujaf-390	418	17	nguyen	nguyen	NOUN
gujaf-390	418	18	,	,	PUNCT
gujaf-390	418	19	t.	t.	PROPN
gujaf-390	418	20	(	(	PUNCT
gujaf-390	418	21	2025	2025	NUM
gujaf-390	418	22	)	)	PUNCT
gujaf-390	418	23	.	.	PUNCT
gujaf-390	419	1	global	global	ADJ
gujaf-390	419	2	market	market	NOUN
gujaf-390	419	3	risk	risk	NOUN
gujaf-390	419	4	trends	trend	NOUN
gujaf-390	419	5	and	and	CCONJ
gujaf-390	419	6	their	their	PRON
gujaf-390	419	7	effects	effect	NOUN
gujaf-390	419	8	on	on	ADP
gujaf-390	419	9	financial	financial	ADJ
gujaf-390	419	10	institutions	institution	NOUN
gujaf-390	419	11	.	.	PUNCT
gujaf-390	420	1	journal	journal	PROPN
gujaf-390	420	2	of	of	ADP
gujaf-390	420	3	financial	financial	ADJ
gujaf-390	420	4	risk	risk	NOUN
gujaf-390	420	5	,	,	PUNCT
gujaf-390	420	6	22(3	22(3	NUM
gujaf-390	420	7	)	)	PUNCT
gujaf-390	420	8	,	,	PUNCT
gujaf-390	420	9	115	115	NUM
gujaf-390	420	10	-	-	SYM
gujaf-390	420	11	130	130	NUM
gujaf-390	420	12	.	.	PUNCT
gujaf-390	421	1	https://doi.org/10.1016/j.jfr.2024.12.005	https://doi.org/10.1016/j.jfr.2024.12.005	PROPN
gujaf-390	421	2	ngwu	ngwu	PROPN
gujaf-390	421	3	,	,	PUNCT
gujaf-390	421	4	t.c	t.c	PROPN
gujaf-390	421	5	.	.	PROPN
gujaf-390	421	6	(	(	PUNCT
gujaf-390	421	7	2006	2006	NUM
gujaf-390	421	8	)	)	PUNCT
gujaf-390	421	9	.	.	PUNCT
gujaf-390	422	1	bank	bank	NOUN
gujaf-390	422	2	management	management	NOUN
gujaf-390	422	3	.	.	PUNCT
gujaf-390	423	1	owerri	owerri	PROPN
gujaf-390	423	2	:	:	PUNCT
gujaf-390	423	3	bob	bob	NOUN
gujaf-390	423	4	publishers	publisher	NOUN
gujaf-390	423	5	.	.	PUNCT
gujaf-390	424	1	nigerian	nigerian	ADJ
gujaf-390	424	2	deposit	deposit	NOUN
gujaf-390	424	3	insurance	insurance	NOUN
gujaf-390	424	4	corporation	corporation	NOUN
gujaf-390	424	5	,	,	PUNCT
gujaf-390	424	6	(	(	PUNCT
gujaf-390	424	7	2007	2007	NUM
gujaf-390	424	8	)	)	PUNCT
gujaf-390	424	9	.	.	PUNCT
gujaf-390	425	1	annual	annual	ADJ
gujaf-390	425	2	reports	report	NOUN
gujaf-390	425	3	and	and	CCONJ
gujaf-390	425	4	accounts	account	NOUN
gujaf-390	425	5	of	of	ADP
gujaf-390	425	6	banks	bank	NOUN
gujaf-390	425	7	submitted	submit	VERB
gujaf-390	425	8	to	to	ADP
gujaf-390	425	9	ndic	ndic	ADJ
gujaf-390	425	10	.	.	PUNCT
gujaf-390	426	1	njogo	njogo	PROPN
gujaf-390	426	2	,	,	PUNCT
gujaf-390	426	3	b.o	b.o	PROPN
gujaf-390	426	4	.	.	PROPN
gujaf-390	426	5	(	(	PUNCT
gujaf-390	426	6	2012	2012	NUM
gujaf-390	426	7	)	)	PUNCT
gujaf-390	426	8	.	.	PUNCT
gujaf-390	427	1	risk	risk	NOUN
gujaf-390	427	2	management	management	NOUN
gujaf-390	427	3	in	in	ADP
gujaf-390	427	4	the	the	DET
gujaf-390	427	5	nigerian	nigerian	ADJ
gujaf-390	427	6	banking	banking	NOUN
gujaf-390	427	7	industry	industry	NOUN
gujaf-390	427	8	.	.	PUNCT
gujaf-390	428	1	kuwait	kuwait	PROPN
gujaf-390	428	2	chapter	chapter	PROPN
gujaf-390	428	3	of	of	ADP
gujaf-390	428	4	arabian	arabian	ADJ
gujaf-390	428	5	journal	journal	PROPN
gujaf-390	428	6	of	of	ADP
gujaf-390	428	7	business	business	NOUN
gujaf-390	428	8	and	and	CCONJ
gujaf-390	428	9	management	management	NOUN
gujaf-390	428	10	review	review	NOUN
gujaf-390	428	11	.	.	PUNCT
gujaf-390	429	1	1(10	1(10	NUM
gujaf-390	429	2	)	)	PUNCT
gujaf-390	429	3	,	,	PUNCT
gujaf-390	429	4	123	123	NUM
gujaf-390	429	5	-	-	SYM
gujaf-390	429	6	127	127	NUM
gujaf-390	429	7	.	.	PUNCT
gujaf-390	430	1	nwankwo	nwankwo	PROPN
gujaf-390	430	2	,	,	PUNCT
gujaf-390	430	3	u.	u.	PROPN
gujaf-390	430	4	(	(	PUNCT
gujaf-390	430	5	1992	1992	NUM
gujaf-390	430	6	)	)	PUNCT
gujaf-390	430	7	.	.	PUNCT
gujaf-390	431	1	economic	economic	ADJ
gujaf-390	431	2	agenda	agenda	NOUN
gujaf-390	431	3	for	for	ADP
gujaf-390	431	4	nigeria	nigeria	PROPN
gujaf-390	431	5	.	.	PUNCT
gujaf-390	432	1	centralist	centralist	ADJ
gujaf-390	432	2	production	production	PROPN
gujaf-390	432	3	ltd	ltd	PROPN
gujaf-390	432	4	.	.	PUNCT
gujaf-390	433	1	lagos	lagos	PROPN
gujaf-390	433	2	,	,	PUNCT
gujaf-390	433	3	nigeria	nigeria	PROPN
gujaf-390	433	4	.	.	PUNCT
gujaf-390	434	1	gusau	gusau	PROPN
gujaf-390	434	2	journal	journal	PROPN
gujaf-390	434	3	of	of	ADP
gujaf-390	434	4	accounting	accounting	NOUN
gujaf-390	434	5	and	and	CCONJ
gujaf-390	434	6	finance	finance	NOUN
gujaf-390	434	7	,	,	PUNCT
gujaf-390	434	8	vol.6	vol.6	PROPN
gujaf-390	434	9	,	,	PUNCT
gujaf-390	434	10	issue	issue	NOUN
gujaf-390	434	11	1	1	NUM
gujaf-390	434	12	,	,	PUNCT
gujaf-390	434	13	april	april	PROPN
gujaf-390	434	14	,	,	PUNCT
gujaf-390	434	15	2025	2025	NUM
gujaf-390	434	16	379	379	NUM
gujaf-390	434	17	obasi	obasi	NOUN
gujaf-390	434	18	,	,	PUNCT
gujaf-390	434	19	i.	i.	PROPN
gujaf-390	434	20	,	,	PUNCT
gujaf-390	434	21	&	&	CCONJ
gujaf-390	434	22	nkwagu	nkwagu	PROPN
gujaf-390	434	23	,	,	PUNCT
gujaf-390	434	24	c.	c.	PROPN
gujaf-390	434	25	(	(	PUNCT
gujaf-390	434	26	2017	2017	NUM
gujaf-390	434	27	)	)	PUNCT
gujaf-390	434	28	.	.	PUNCT
gujaf-390	435	1	effect	effect	NOUN
gujaf-390	435	2	of	of	ADP
gujaf-390	435	3	corporate	corporate	ADJ
gujaf-390	435	4	governance	governance	NOUN
gujaf-390	435	5	on	on	ADP
gujaf-390	435	6	risk	risk	NOUN
gujaf-390	435	7	management	management	NOUN
gujaf-390	435	8	of	of	ADP
gujaf-390	435	9	commercial	commercial	ADJ
gujaf-390	435	10	banks	bank	NOUN
gujaf-390	435	11	in	in	ADP
gujaf-390	435	12	nigeria	nigeria	PROPN
gujaf-390	435	13	.	.	PUNCT
gujaf-390	436	1	international	international	ADJ
gujaf-390	436	2	journal	journal	PROPN
gujaf-390	436	3	of	of	ADP
gujaf-390	436	4	finance	finance	NOUN
gujaf-390	436	5	and	and	CCONJ
gujaf-390	436	6	accounting	accounting	NOUN
gujaf-390	436	7	,	,	PUNCT
gujaf-390	436	8	6(5	6(5	NUM
gujaf-390	436	9	)	)	PUNCT
gujaf-390	436	10	,	,	PUNCT
gujaf-390	436	11	145	145	NUM
gujaf-390	436	12	-	-	SYM
gujaf-390	436	13	153	153	NUM
gujaf-390	436	14	.	.	PUNCT
gujaf-390	437	1	ogboi	ogboi	PROPN
gujaf-390	437	2	,	,	PUNCT
gujaf-390	437	3	c.	c.	PROPN
gujaf-390	437	4	,	,	PUNCT
gujaf-390	437	5	&	&	CCONJ
gujaf-390	437	6	unuafe	unuafe	ADJ
gujaf-390	437	7	,	,	PUNCT
gujaf-390	437	8	o.	o.	PROPN
gujaf-390	437	9	k.	k.	PROPN
gujaf-390	437	10	(	(	PUNCT
gujaf-390	437	11	2013	2013	NUM
gujaf-390	437	12	)	)	PUNCT
gujaf-390	437	13	.	.	PUNCT
gujaf-390	438	1	impact	impact	NOUN
gujaf-390	438	2	of	of	ADP
gujaf-390	438	3	credit	credit	NOUN
gujaf-390	438	4	risk	risk	NOUN
gujaf-390	438	5	management	management	NOUN
gujaf-390	438	6	and	and	CCONJ
gujaf-390	438	7	capital	capital	NOUN
gujaf-390	438	8	adequacy	adequacy	NOUN
gujaf-390	438	9	on	on	ADP
gujaf-390	438	10	the	the	DET
gujaf-390	438	11	financial	financial	ADJ
gujaf-390	438	12	performance	performance	NOUN
gujaf-390	438	13	of	of	ADP
gujaf-390	438	14	commercial	commercial	ADJ
gujaf-390	438	15	banks	bank	NOUN
gujaf-390	438	16	in	in	ADP
gujaf-390	438	17	nigeria	nigeria	PROPN
gujaf-390	438	18	.	.	PUNCT
gujaf-390	439	1	journal	journal	PROPN
gujaf-390	439	2	of	of	ADP
gujaf-390	439	3	emerging	emerge	VERB
gujaf-390	439	4	issues	issue	NOUN
gujaf-390	439	5	in	in	ADP
gujaf-390	439	6	economics	economic	NOUN
gujaf-390	439	7	,	,	PUNCT
gujaf-390	439	8	finance	finance	NOUN
gujaf-390	439	9	and	and	CCONJ
gujaf-390	439	10	banking,2(3	banking,2(3	NUM
gujaf-390	439	11	)	)	PUNCT
gujaf-390	439	12	,	,	PUNCT
gujaf-390	439	13	703	703	NUM
gujaf-390	439	14	-	-	SYM
gujaf-390	439	15	717	717	NUM
gujaf-390	439	16	.	.	PUNCT
gujaf-390	440	1	olagunju	olagunju	PROPN
gujaf-390	440	2	,	,	PUNCT
gujaf-390	440	3	a.	a.	PROPN
gujaf-390	440	4	,	,	PUNCT
gujaf-390	440	5	adeyanju	adeyanju	PROPN
gujaf-390	440	6	,	,	PUNCT
gujaf-390	440	7	o.	o.	PROPN
gujaf-390	440	8	d.	d.	PROPN
gujaf-390	440	9	&	&	CCONJ
gujaf-390	440	10	olabode	olabode	PROPN
gujaf-390	440	11	,	,	PUNCT
gujaf-390	440	12	o.	o.	NOUN
gujaf-390	440	13	s	s	PROPN
gujaf-390	440	14	(	(	PUNCT
gujaf-390	440	15	2011	2011	NUM
gujaf-390	440	16	)	)	PUNCT
gujaf-390	440	17	.	.	PUNCT
gujaf-390	441	1	liquidity	liquidity	NOUN
gujaf-390	441	2	management	management	NOUN
gujaf-390	441	3	and	and	CCONJ
gujaf-390	441	4	commercial	commercial	ADJ
gujaf-390	441	5	banks	bank	NOUN
gujaf-390	441	6	’	'	PUNCT
gujaf-390	441	7	profitability	profitability	NOUN
gujaf-390	441	8	in	in	ADP
gujaf-390	441	9	nigeria	nigeria	PROPN
gujaf-390	441	10	.	.	PUNCT
gujaf-390	442	1	research	research	NOUN
gujaf-390	442	2	journal	journal	PROPN
gujaf-390	442	3	of	of	ADP
gujaf-390	442	4	finance	finance	NOUN
gujaf-390	442	5	and	and	CCONJ
gujaf-390	442	6	accounting	accounting	NOUN
gujaf-390	442	7	,	,	PUNCT
gujaf-390	442	8	2(7/8	2(7/8	NUM
gujaf-390	442	9	)	)	PUNCT
gujaf-390	442	10	,	,	PUNCT
gujaf-390	442	11	24	24	NUM
gujaf-390	442	12	–	–	PUNCT
gujaf-390	442	13	38	38	NUM
gujaf-390	442	14	.	.	PUNCT
gujaf-390	443	1	olalere	olalere	ADV
gujaf-390	443	2	,	,	PUNCT
gujaf-390	443	3	o.e	o.e	PROPN
gujaf-390	443	4	.	.	PROPN
gujaf-390	443	5	,	,	PUNCT
gujaf-390	443	6	&	&	CCONJ
gujaf-390	443	7	omar	omar	PROPN
gujaf-390	443	8	,	,	PUNCT
gujaf-390	443	9	a.	a.	PROPN
gujaf-390	443	10	,	,	PUNCT
gujaf-390	443	11	(	(	PUNCT
gujaf-390	443	12	2016	2016	NUM
gujaf-390	443	13	)	)	PUNCT
gujaf-390	443	14	risk	risk	NOUN
gujaf-390	443	15	management	management	NOUN
gujaf-390	443	16	and	and	CCONJ
gujaf-390	443	17	the	the	DET
gujaf-390	443	18	financial	financial	ADJ
gujaf-390	443	19	performance	performance	NOUN
gujaf-390	443	20	of	of	ADP
gujaf-390	443	21	commercial	commercial	ADJ
gujaf-390	443	22	banks	bank	NOUN
gujaf-390	443	23	in	in	ADP
gujaf-390	443	24	nigeria	nigeria	PROPN
gujaf-390	443	25	:	:	PUNCT
gujaf-390	443	26	journal	journal	PROPN
gujaf-390	443	27	of	of	ADP
gujaf-390	443	28	economics	economic	NOUN
gujaf-390	443	29	and	and	CCONJ
gujaf-390	443	30	finance	finance	NOUN
gujaf-390	443	31	.	.	PUNCT
gujaf-390	444	1	7(2	7(2	NUM
gujaf-390	444	2	)	)	PUNCT
gujaf-390	445	1	,	,	PUNCT
gujaf-390	445	2	14	14	NUM
gujaf-390	445	3	-	-	SYM
gujaf-390	445	4	19	19	NUM
gujaf-390	445	5	.	.	PUNCT
gujaf-390	445	6	oldfield	oldfield	PROPN
gujaf-390	445	7	g.	g.	PROPN
gujaf-390	445	8	and	and	CCONJ
gujaf-390	445	9	santomero	santomero	PROPN
gujaf-390	445	10	,	,	PUNCT
gujaf-390	445	11	a	a	PRON
gujaf-390	445	12	,	,	PUNCT
gujaf-390	445	13	(	(	PUNCT
gujaf-390	445	14	1997	1997	NUM
gujaf-390	445	15	)	)	PUNCT
gujaf-390	445	16	,	,	PUNCT
gujaf-390	445	17	the	the	DET
gujaf-390	445	18	place	place	NOUN
gujaf-390	445	19	of	of	ADP
gujaf-390	445	20	risk	risk	NOUN
gujaf-390	445	21	management	management	NOUN
gujaf-390	445	22	in	in	ADP
gujaf-390	445	23	financial	financial	ADJ
gujaf-390	445	24	institution	institution	NOUN
gujaf-390	445	25	,	,	PUNCT
gujaf-390	445	26	sloan	sloan	PROPN
gujaf-390	445	27	management	management	PROPN
gujaf-390	445	28	review	review	PROPN
gujaf-390	445	29	,	,	PUNCT
gujaf-390	445	30	summer	summer	NOUN
gujaf-390	445	31	–	–	PUNCT
gujaf-390	445	32	forthcoming	forthcoming	ADJ
gujaf-390	445	33	.	.	PUNCT
gujaf-390	446	1	owojori	owojori	PROPN
gujaf-390	446	2	,	,	PUNCT
gujaf-390	446	3	a.	a.	NOUN
gujaf-390	446	4	a.	a.	PROPN
gujaf-390	446	5	,	,	PUNCT
gujaf-390	446	6	akintoye	akintoye	PROPN
gujaf-390	446	7	,	,	PUNCT
gujaf-390	446	8	r.	r.	PROPN
gujaf-390	446	9	i.	i.	PROPN
gujaf-390	446	10	,	,	PUNCT
gujaf-390	446	11	&	&	CCONJ
gujaf-390	446	12	adidu	adidu	ADJ
gujaf-390	446	13	,	,	PUNCT
gujaf-390	446	14	a.	a.	PROPN
gujaf-390	446	15	f.	f.	PROPN
gujaf-390	446	16	(	(	PUNCT
gujaf-390	446	17	2011	2011	NUM
gujaf-390	446	18	)	)	PUNCT
gujaf-390	446	19	.	.	PUNCT
gujaf-390	447	1	the	the	DET
gujaf-390	447	2	challenge	challenge	NOUN
gujaf-390	447	3	of	of	ADP
gujaf-390	447	4	risk	risk	NOUN
gujaf-390	447	5	management	management	NOUN
gujaf-390	447	6	in	in	ADP
gujaf-390	447	7	nigerian	nigerian	ADJ
gujaf-390	447	8	banks	bank	NOUN
gujaf-390	447	9	in	in	ADP
gujaf-390	447	10	the	the	DET
gujaf-390	447	11	post	post	NOUN
gujaf-390	447	12	consolidation	consolidation	NOUN
gujaf-390	447	13	era	era	NOUN
gujaf-390	447	14	.	.	PUNCT
gujaf-390	448	1	journal	journal	NOUN
gujaf-390	448	2	of	of	ADP
gujaf-390	448	3	accounting	accounting	NOUN
gujaf-390	448	4	and	and	CCONJ
gujaf-390	448	5	taxation	taxation	NOUN
gujaf-390	448	6	,	,	PUNCT
gujaf-390	448	7	13	13	NUM
gujaf-390	448	8	(	(	PUNCT
gujaf-390	448	9	2	2	NUM
gujaf-390	448	10	)	)	PUNCT
gujaf-390	448	11	,	,	PUNCT
gujaf-390	448	12	23	23	NUM
gujaf-390	448	13	-	-	SYM
gujaf-390	448	14	31	31	NUM
gujaf-390	448	15	.	.	PUNCT
gujaf-390	449	1	prochanow	prochanow	VERB
gujaf-390	449	2	,	,	PUNCT
gujaf-390	449	3	h.	h.	PROPN
gujaf-390	449	4	v.	v.	PROPN
gujaf-390	449	5	(	(	PUNCT
gujaf-390	449	6	1944	1944	NUM
gujaf-390	449	7	)	)	PUNCT
gujaf-390	449	8	.	.	PUNCT
gujaf-390	450	1	portfolio	portfolio	NOUN
gujaf-390	450	2	management	management	NOUN
gujaf-390	450	3	of	of	ADP
gujaf-390	450	4	commercial	commercial	ADJ
gujaf-390	450	5	bank	bank	NOUN
gujaf-390	450	6	:	:	PUNCT
gujaf-390	450	7	(	(	PUNCT
gujaf-390	450	8	objectives	objective	NOUN
gujaf-390	450	9	and	and	CCONJ
gujaf-390	450	10	theory	theory	NOUN
gujaf-390	450	11	)	)	PUNCT
gujaf-390	450	12	.	.	PUNCT
gujaf-390	451	1	retrieved	retrieve	VERB
gujaf-390	451	2	from	from	ADP
gujaf-390	451	3	www.yourarticlelibrary.com15/05/2015	www.yourarticlelibrary.com15/05/2015	PROPN
gujaf-390	451	4	.	.	PUNCT
gujaf-390	452	1	santomero	santomero	PROPN
gujaf-390	452	2	,	,	PUNCT
gujaf-390	452	3	a.m.	a.m.	PROPN
gujaf-390	452	4	(	(	PUNCT
gujaf-390	452	5	1997	1997	NUM
gujaf-390	452	6	)	)	PUNCT
gujaf-390	452	7	.	.	PUNCT
gujaf-390	453	1	commercial	commercial	ADJ
gujaf-390	453	2	banking	banking	NOUN
gujaf-390	453	3	risk	risk	NOUN
gujaf-390	453	4	management	management	NOUN
gujaf-390	453	5	:	:	PUNCT
gujaf-390	453	6	an	an	DET
gujaf-390	453	7	analysis	analysis	NOUN
gujaf-390	453	8	of	of	ADP
gujaf-390	453	9	the	the	DET
gujaf-390	453	10	process	process	NOUN
gujaf-390	453	11	.	.	PUNCT
gujaf-390	454	1	the	the	DET
gujaf-390	454	2	wharton	wharton	PROPN
gujaf-390	454	3	financial	financial	ADJ
gujaf-390	454	4	institutions	institution	NOUN
gujaf-390	454	5	center	center	NOUN
gujaf-390	454	6	.	.	PUNCT
gujaf-390	455	1	usa	usa	PROPN
gujaf-390	455	2	.	.	PROPN
gujaf-390	455	3	available	available	ADJ
gujaf-390	455	4	in	in	ADP
gujaf-390	455	5	www	www	PROPN
gujaf-390	455	6	form	form	NOUN
gujaf-390	455	7	<	<	X
gujaf-390	455	8	http://fic.wharton.upenn.edu/fic/papers/95/9511	http://fic.wharton.upenn.edu/fic/papers/95/9511	NOUN
gujaf-390	455	9	.	.	PUNCT
gujaf-390	456	1	sanusi	sanusi	PROPN
gujaf-390	456	2	,	,	PUNCT
gujaf-390	456	3	l.s	l.s	X
gujaf-390	456	4	(	(	PUNCT
gujaf-390	456	5	2012	2012	NUM
gujaf-390	456	6	)	)	PUNCT
gujaf-390	456	7	.	.	PUNCT
gujaf-390	457	1	banking	banking	NOUN
gujaf-390	457	2	reform	reform	NOUN
gujaf-390	457	3	and	and	CCONJ
gujaf-390	457	4	its	its	PRON
gujaf-390	457	5	impact	impact	NOUN
gujaf-390	457	6	on	on	ADP
gujaf-390	457	7	the	the	DET
gujaf-390	457	8	nigerian	nigerian	ADJ
gujaf-390	457	9	economy	economy	NOUN
gujaf-390	457	10	;	;	PUNCT
gujaf-390	457	11	being	be	AUX
gujaf-390	457	12	a	a	DET
gujaf-390	457	13	lecture	lecture	NOUN
gujaf-390	457	14	delivered	deliver	VERB
gujaf-390	457	15	at	at	ADP
gujaf-390	457	16	the	the	DET
gujaf-390	457	17	university	university	PROPN
gujaf-390	457	18	of	of	ADP
gujaf-390	457	19	warwick	warwick	PROPN
gujaf-390	457	20	’s	’s	PART
gujaf-390	457	21	economic	economic	ADJ
gujaf-390	457	22	summit	summit	NOUN
gujaf-390	457	23	,	,	PUNCT
gujaf-390	457	24	uk	uk	PROPN
gujaf-390	457	25	,	,	PUNCT
gujaf-390	457	26	1	1	NUM
gujaf-390	457	27	-	-	SYM
gujaf-390	457	28	17	17	NUM
gujaf-390	457	29	.	.	PUNCT
gujaf-390	458	1	saunders	saunder	NOUN
gujaf-390	458	2	,	,	PUNCT
gujaf-390	458	3	a.	a.	PROPN
gujaf-390	458	4	,	,	PUNCT
gujaf-390	458	5	&	&	CCONJ
gujaf-390	458	6	cornett	cornett	PROPN
gujaf-390	458	7	,	,	PUNCT
gujaf-390	458	8	m.m	m.m	PROPN
gujaf-390	458	9	.	.	PROPN
gujaf-390	458	10	(	(	PUNCT
gujaf-390	458	11	2008	2008	NUM
gujaf-390	458	12	)	)	PUNCT
gujaf-390	458	13	.	.	PUNCT
gujaf-390	459	1	financial	financial	ADJ
gujaf-390	459	2	institutions	institution	NOUN
gujaf-390	459	3	management	management	NOUN
gujaf-390	459	4	:	:	PUNCT
gujaf-390	459	5	a	a	DET
gujaf-390	459	6	risk	risk	NOUN
gujaf-390	459	7	management	management	NOUN
gujaf-390	459	8	approach	approach	NOUN
gujaf-390	459	9	,	,	PUNCT
gujaf-390	459	10	mcgraw	mcgraw	PROPN
gujaf-390	459	11	-	-	PUNCT
gujaf-390	459	12	hill	hill	PROPN
gujaf-390	459	13	,	,	PUNCT
gujaf-390	459	14	irwin	irwin	PROPN
gujaf-390	459	15	.	.	PUNCT
gujaf-390	460	1	saunders	saunders	PROPN
gujaf-390	460	2	,	,	PUNCT
gujaf-390	460	3	s.	s.	PROPN
gujaf-390	460	4	,	,	PUNCT
gujaf-390	460	5	&	&	CCONJ
gujaf-390	460	6	cornett	cornett	NOUN
gujaf-390	460	7	,	,	PUNCT
gujaf-390	460	8	t.	t.	PROPN
gujaf-390	460	9	(	(	PUNCT
gujaf-390	460	10	2007	2007	NUM
gujaf-390	460	11	)	)	PUNCT
gujaf-390	460	12	.	.	PUNCT
gujaf-390	461	1	financial	financial	ADJ
gujaf-390	461	2	markets	market	NOUN
gujaf-390	461	3	and	and	CCONJ
gujaf-390	461	4	institutions	institution	NOUN
gujaf-390	461	5	;	;	PUNCT
gujaf-390	461	6	an	an	DET
gujaf-390	461	7	introduction	introduction	NOUN
gujaf-390	461	8	to	to	ADP
gujaf-390	461	9	the	the	DET
gujaf-390	461	10	risk	risk	NOUN
gujaf-390	461	11	management	management	NOUN
gujaf-390	461	12	approach	approach	NOUN
gujaf-390	461	13	.	.	PUNCT
gujaf-390	462	1	mcgraw	mcgraw	PROPN
gujaf-390	462	2	hill	hill	PROPN
gujaf-390	462	3	pub.2007	pub.2007	X
gujaf-390	462	4	.	.	PUNCT
gujaf-390	463	1	shao	shao	PROPN
gujaf-390	463	2	,	,	PUNCT
gujaf-390	463	3	y.	y.	PROPN
gujaf-390	463	4	,	,	PUNCT
gujaf-390	463	5	&	&	CCONJ
gujaf-390	463	6	yeager	yeager	PROPN
gujaf-390	463	7	,	,	PUNCT
gujaf-390	463	8	t.j	t.j	PROPN
gujaf-390	463	9	.	.	PROPN
gujaf-390	463	10	(	(	PUNCT
gujaf-390	463	11	2007	2007	NUM
gujaf-390	463	12	)	)	PUNCT
gujaf-390	463	13	.	.	PUNCT
gujaf-390	464	1	the	the	DET
gujaf-390	464	2	effects	effect	NOUN
gujaf-390	464	3	of	of	ADP
gujaf-390	464	4	credit	credit	NOUN
gujaf-390	464	5	derivatives	derivative	NOUN
gujaf-390	464	6	on	on	ADP
gujaf-390	464	7	u.	u.	PROPN
gujaf-390	464	8	s.	s.	PROPN
gujaf-390	464	9	bank	bank	PROPN
gujaf-390	464	10	risk	risk	NOUN
gujaf-390	464	11	and	and	CCONJ
gujaf-390	464	12	return	return	NOUN
gujaf-390	464	13	,	,	PUNCT
gujaf-390	464	14	capital	capital	NOUN
gujaf-390	464	15	and	and	CCONJ
gujaf-390	464	16	lending	lending	NOUN
gujaf-390	464	17	structure	structure	NOUN
gujaf-390	464	18	.	.	PUNCT
gujaf-390	465	1	working	work	VERB
gujaf-390	465	2	paper	paper	NOUN
gujaf-390	465	3	,	,	PUNCT
gujaf-390	465	4	walton	walton	PROPN
gujaf-390	465	5	college	college	PROPN
gujaf-390	465	6	,	,	PUNCT
gujaf-390	465	7	university	university	PROPN
gujaf-390	465	8	of	of	ADP
gujaf-390	465	9	arkansas	arkansas	PROPN
gujaf-390	465	10	.	.	PUNCT
gujaf-390	466	1	sheiler	sheiler	PROPN
gujaf-390	466	2	,	,	PUNCT
gujaf-390	466	3	b.	b.	PROPN
gujaf-390	466	4	,	,	PUNCT
gujaf-390	466	5	emenike	emenike	VERB
gujaf-390	466	6	,	,	PUNCT
gujaf-390	466	7	o.	o.	PROPN
gujaf-390	466	8	,	,	PUNCT
gujaf-390	466	9	&	&	CCONJ
gujaf-390	466	10	amu	amu	PROPN
gujaf-390	466	11	,	,	PUNCT
gujaf-390	466	12	u.	u.	PROPN
gujaf-390	466	13	(	(	PUNCT
gujaf-390	466	14	2017	2017	NUM
gujaf-390	466	15	)	)	PUNCT
gujaf-390	466	16	.	.	PUNCT
gujaf-390	467	1	credit	credit	NOUN
gujaf-390	467	2	risk	risk	NOUN
gujaf-390	467	3	management	management	NOUN
gujaf-390	467	4	and	and	CCONJ
gujaf-390	467	5	financial	financial	ADJ
gujaf-390	467	6	performance	performance	NOUN
gujaf-390	467	7	of	of	ADP
gujaf-390	467	8	microfinance	microfinance	NOUN
gujaf-390	467	9	institutions	institution	NOUN
gujaf-390	467	10	in	in	ADP
gujaf-390	467	11	kampala	kampala	PROPN
gujaf-390	467	12	,	,	PUNCT
gujaf-390	467	13	uganda	uganda	PROPN
gujaf-390	467	14	,	,	PUNCT
gujaf-390	467	15	journal	journal	NOUN
gujaf-390	467	16	of	of	ADP
gujaf-390	467	17	banking	banking	NOUN
gujaf-390	467	18	and	and	CCONJ
gujaf-390	467	19	financial	financial	ADJ
gujaf-390	467	20	dynamics	dynamic	NOUN
gujaf-390	467	21	,	,	PUNCT
gujaf-390	467	22	1	1	NUM
gujaf-390	467	23	(	(	PUNCT
gujaf-390	467	24	1	1	NUM
gujaf-390	467	25	)	)	PUNCT
gujaf-390	467	26	,	,	PUNCT
gujaf-390	467	27	29	29	NUM
gujaf-390	467	28	-	-	SYM
gujaf-390	467	29	35	35	NUM
gujaf-390	467	30	.	.	PUNCT
gujaf-390	468	1	shen	shen	PROPN
gujaf-390	468	2	,	,	PUNCT
gujaf-390	468	3	c.	c.	PROPN
gujaf-390	468	4	h.	h.	PROPN
gujaf-390	468	5	,	,	PUNCT
gujaf-390	468	6	chen	chen	PROPN
gujaf-390	468	7	,	,	PUNCT
gujaf-390	468	8	y.	y.	PROPN
gujaf-390	468	9	k.	k.	PROPN
gujaf-390	468	10	,	,	PUNCT
gujaf-390	468	11	kao	kao	PROPN
gujaf-390	468	12	,	,	PUNCT
gujaf-390	468	13	l.	l.	PROPN
gujaf-390	468	14	f.	f.	PROPN
gujaf-390	468	15	,	,	PUNCT
gujaf-390	468	16	&	&	CCONJ
gujaf-390	468	17	yeh	yeh	PROPN
gujaf-390	468	18	,	,	PUNCT
gujaf-390	468	19	c.	c.	PROPN
gujaf-390	468	20	y.	y.	PROPN
gujaf-390	468	21	(	(	PUNCT
gujaf-390	468	22	2009	2009	NUM
gujaf-390	468	23	)	)	PUNCT
gujaf-390	468	24	.	.	PUNCT
gujaf-390	469	1	bank	bank	NOUN
gujaf-390	469	2	liquidity	liquidity	NOUN
gujaf-390	469	3	risk	risk	NOUN
gujaf-390	469	4	and	and	CCONJ
gujaf-390	469	5	performance	performance	NOUN
gujaf-390	469	6	.	.	PUNCT
gujaf-390	470	1	retrieved	retrieve	VERB
gujaf-390	470	2	on	on	ADP
gujaf-390	470	3	december	december	PROPN
gujaf-390	470	4	5	5	NUM
gujaf-390	470	5	,	,	PUNCT
gujaf-390	470	6	2016	2016	NUM
gujaf-390	470	7	from	from	ADP
gujaf-390	470	8	www.finance.nsydu.edu.tw	www.finance.nsydu.edu.tw	PROPN
gujaf-390	470	9	.	.	PUNCT
gujaf-390	471	1	singal	singal	PROPN
gujaf-390	471	2	,	,	PUNCT
gujaf-390	471	3	m.	m.	NOUN
gujaf-390	471	4	(	(	PUNCT
gujaf-390	471	5	2013	2013	NUM
gujaf-390	471	6	)	)	PUNCT
gujaf-390	471	7	.	.	PUNCT
gujaf-390	472	1	firm	firm	ADJ
gujaf-390	472	2	credit	credit	NOUN
gujaf-390	472	3	rating	rating	NOUN
gujaf-390	472	4	as	as	ADP
gujaf-390	472	5	a	a	DET
gujaf-390	472	6	measure	measure	NOUN
gujaf-390	472	7	of	of	ADP
gujaf-390	472	8	organizational	organizational	ADJ
gujaf-390	472	9	and	and	CCONJ
gujaf-390	472	10	financial	financial	ADJ
gujaf-390	472	11	performance	performance	NOUN
gujaf-390	472	12	,	,	PUNCT
gujaf-390	472	13	journal	journal	NOUN
gujaf-390	472	14	of	of	ADP
gujaf-390	472	15	business	business	NOUN
gujaf-390	472	16	and	and	CCONJ
gujaf-390	472	17	finance	finance	NOUN
gujaf-390	472	18	,	,	PUNCT
gujaf-390	472	19	3(8	3(8	NUM
gujaf-390	472	20	)	)	PUNCT
gujaf-390	472	21	,	,	PUNCT
gujaf-390	472	22	1	1	NUM
gujaf-390	472	23	-	-	SYM
gujaf-390	472	24	18	18	NUM
gujaf-390	472	25	.	.	PUNCT
gujaf-390	473	1	smith	smith	PROPN
gujaf-390	473	2	,	,	PUNCT
gujaf-390	473	3	l.	l.	PROPN
gujaf-390	473	4	(	(	PUNCT
gujaf-390	473	5	2023	2023	NUM
gujaf-390	473	6	)	)	PUNCT
gujaf-390	473	7	.	.	PUNCT
gujaf-390	474	1	the	the	DET
gujaf-390	474	2	impact	impact	NOUN
gujaf-390	474	3	of	of	ADP
gujaf-390	474	4	comprehensive	comprehensive	ADJ
gujaf-390	474	5	risk	risk	NOUN
gujaf-390	474	6	management	management	NOUN
gujaf-390	474	7	on	on	ADP
gujaf-390	474	8	the	the	DET
gujaf-390	474	9	stability	stability	NOUN
gujaf-390	474	10	of	of	ADP
gujaf-390	474	11	banking	banking	NOUN
gujaf-390	474	12	institutions	institution	NOUN
gujaf-390	474	13	.	.	PUNCT
gujaf-390	475	1	journal	journal	NOUN
gujaf-390	475	2	of	of	ADP
gujaf-390	475	3	banking	banking	NOUN
gujaf-390	475	4	studies	study	NOUN
gujaf-390	475	5	,	,	PUNCT
gujaf-390	475	6	47(1	47(1	NUM
gujaf-390	475	7	)	)	PUNCT
gujaf-390	475	8	,	,	PUNCT
gujaf-390	475	9	76	76	NUM
gujaf-390	475	10	-	-	SYM
gujaf-390	475	11	92	92	NUM
gujaf-390	475	12	.	.	PUNCT
gujaf-390	476	1	https://doi.org/10.1080/jbs.2023.1129478	https://doi.org/10.1080/jbs.2023.1129478	PROPN
gujaf-390	476	2	gusau	gusau	PROPN
gujaf-390	476	3	journal	journal	PROPN
gujaf-390	476	4	of	of	ADP
gujaf-390	476	5	accounting	accounting	NOUN
gujaf-390	476	6	and	and	CCONJ
gujaf-390	476	7	finance	finance	NOUN
gujaf-390	476	8	,	,	PUNCT
gujaf-390	476	9	vol.6	vol.6	PROPN
gujaf-390	476	10	,	,	PUNCT
gujaf-390	476	11	issue	issue	NOUN
gujaf-390	476	12	1	1	NUM
gujaf-390	476	13	,	,	PUNCT
gujaf-390	476	14	april	april	PROPN
gujaf-390	476	15	,	,	PUNCT
gujaf-390	476	16	2025	2025	NUM
gujaf-390	476	17	380	380	NUM
gujaf-390	476	18	soyemi	soyemi	NOUN
gujaf-390	476	19	,	,	PUNCT
gujaf-390	476	20	k.a	k.a	PROPN
gujaf-390	476	21	.	.	PROPN
gujaf-390	476	22	,	,	PUNCT
gujaf-390	476	23	ogunleye	ogunleye	PROPN
gujaf-390	476	24	,	,	PUNCT
gujaf-390	476	25	j.o	j.o	PROPN
gujaf-390	476	26	.	.	PROPN
gujaf-390	476	27	,	,	PUNCT
gujaf-390	476	28	&	&	CCONJ
gujaf-390	476	29	ashogbon	ashogbon	PROPN
gujaf-390	476	30	,	,	PUNCT
gujaf-390	476	31	f.o	f.o	PROPN
gujaf-390	476	32	.	.	PROPN
gujaf-390	476	33	(	(	PUNCT
gujaf-390	476	34	2014	2014	NUM
gujaf-390	476	35	)	)	PUNCT
gujaf-390	476	36	.	.	PUNCT
gujaf-390	477	1	risk	risk	NOUN
gujaf-390	477	2	management	management	NOUN
gujaf-390	477	3	practices	practice	NOUN
gujaf-390	477	4	and	and	CCONJ
gujaf-390	477	5	financial	financial	ADJ
gujaf-390	477	6	performance	performance	NOUN
gujaf-390	477	7	:	:	PUNCT
gujaf-390	477	8	evidence	evidence	NOUN
gujaf-390	477	9	from	from	ADP
gujaf-390	477	10	the	the	DET
gujaf-390	477	11	nigerian	nigerian	ADJ
gujaf-390	477	12	deposit	deposit	NOUN
gujaf-390	477	13	money	money	NOUN
gujaf-390	477	14	banks	bank	NOUN
gujaf-390	477	15	(	(	PUNCT
gujaf-390	477	16	dmbs	dmb	NOUN
gujaf-390	477	17	)	)	PUNCT
gujaf-390	477	18	.	.	PUNCT
gujaf-390	478	1	the	the	DET
gujaf-390	478	2	business	business	PROPN
gujaf-390	478	3	&	&	CCONJ
gujaf-390	478	4	management	management	PROPN
gujaf-390	478	5	review	review	PROPN
gujaf-390	478	6	,	,	PUNCT
gujaf-390	478	7	4(4	4(4	NUM
gujaf-390	478	8	)	)	PUNCT
gujaf-390	478	9	,	,	PUNCT
gujaf-390	478	10	345	345	NUM
gujaf-390	478	11	-	-	SYM
gujaf-390	478	12	354	354	NUM
gujaf-390	478	13	.	.	PUNCT
gujaf-390	478	14	stewart	stewart	PROPN
gujaf-390	478	15	,	,	PUNCT
gujaf-390	478	16	s.	s.	PROPN
gujaf-390	478	17	,	,	PUNCT
gujaf-390	478	18	&	&	CCONJ
gujaf-390	478	19	roberts	roberts	PROPN
gujaf-390	478	20	,	,	PUNCT
gujaf-390	478	21	r.	r.	PROPN
gujaf-390	478	22	(	(	PUNCT
gujaf-390	478	23	2024	2024	NUM
gujaf-390	478	24	)	)	PUNCT
gujaf-390	478	25	.	.	PUNCT
gujaf-390	479	1	risk	risk	NOUN
gujaf-390	479	2	management	management	NOUN
gujaf-390	479	3	and	and	CCONJ
gujaf-390	479	4	profitability	profitability	NOUN
gujaf-390	479	5	in	in	ADP
gujaf-390	479	6	banking	banking	NOUN
gujaf-390	479	7	:	:	PUNCT
gujaf-390	479	8	a	a	DET
gujaf-390	479	9	comprehensive	comprehensive	ADJ
gujaf-390	479	10	study	study	NOUN
gujaf-390	479	11	of	of	ADP
gujaf-390	479	12	global	global	ADJ
gujaf-390	479	13	trends	trend	NOUN
gujaf-390	479	14	.	.	PUNCT
gujaf-390	480	1	financial	financial	ADJ
gujaf-390	480	2	management	management	PROPN
gujaf-390	480	3	review	review	NOUN
gujaf-390	480	4	,	,	PUNCT
gujaf-390	480	5	45(2	45(2	NOUN
gujaf-390	480	6	)	)	PUNCT
gujaf-390	480	7	,	,	PUNCT
gujaf-390	480	8	213	213	NUM
gujaf-390	480	9	-	-	SYM
gujaf-390	480	10	230	230	NUM
gujaf-390	480	11	.	.	PUNCT
gujaf-390	481	1	https://doi.org/10.1002/jfin.2024.0326	https://doi.org/10.1002/jfin.2024.0326	PROPN
gujaf-390	481	2	stiglitz	stiglitz	PROPN
gujaf-390	481	3	,	,	PUNCT
gujaf-390	481	4	j.	j.	PROPN
gujaf-390	481	5	e.	e.	PROPN
gujaf-390	481	6	,	,	PUNCT
gujaf-390	481	7	&	&	CCONJ
gujaf-390	481	8	weiss	weiss	PROPN
gujaf-390	481	9	,	,	PUNCT
gujaf-390	481	10	a.	a.	NOUN
gujaf-390	481	11	(	(	PUNCT
gujaf-390	481	12	1981	1981	NUM
gujaf-390	481	13	)	)	PUNCT
gujaf-390	481	14	.	.	PUNCT
gujaf-390	482	1	credit	credit	NOUN
gujaf-390	482	2	rationing	ration	VERB
gujaf-390	482	3	in	in	ADP
gujaf-390	482	4	markets	market	NOUN
gujaf-390	482	5	with	with	ADP
gujaf-390	482	6	imperfect	imperfect	ADJ
gujaf-390	482	7	information	information	NOUN
gujaf-390	482	8	.	.	PUNCT
gujaf-390	483	1	american	american	PROPN
gujaf-390	483	2	economic	economic	PROPN
gujaf-390	483	3	review	review	PROPN
gujaf-390	483	4	,	,	PUNCT
gujaf-390	483	5	71(3	71(3	NUM
gujaf-390	483	6	)	)	PUNCT
gujaf-390	483	7	,	,	PUNCT
gujaf-390	483	8	393	393	NUM
gujaf-390	483	9	-	-	SYM
gujaf-390	483	10	410	410	NUM
gujaf-390	483	11	.	.	PUNCT
gujaf-390	484	1	taiwo	taiwo	NOUN
gujaf-390	484	2	,	,	PUNCT
gujaf-390	484	3	j.n	j.n	PROPN
gujaf-390	484	4	.	.	PROPN
gujaf-390	484	5	,	,	PUNCT
gujaf-390	484	6	ucheaga	ucheaga	NOUN
gujaf-390	484	7	,	,	PUNCT
gujaf-390	484	8	e.g.	e.g.	ADV
gujaf-390	484	9	,	,	PUNCT
gujaf-390	484	10	&	&	CCONJ
gujaf-390	484	11	achugamonu	achugamonu	PROPN
gujaf-390	484	12	,	,	PUNCT
gujaf-390	484	13	b.u	b.u	PROPN
gujaf-390	484	14	.	.	PROPN
gujaf-390	484	15	(	(	PUNCT
gujaf-390	484	16	2017	2017	NUM
gujaf-390	484	17	)	)	PUNCT
gujaf-390	484	18	.	.	PUNCT
gujaf-390	485	1	credit	credit	NOUN
gujaf-390	485	2	risk	risk	NOUN
gujaf-390	485	3	management	management	NOUN
gujaf-390	485	4	:	:	PUNCT
gujaf-390	485	5	implications	implication	NOUN
gujaf-390	485	6	on	on	ADP
gujaf-390	485	7	bank	bank	NOUN
gujaf-390	485	8	performance	performance	NOUN
gujaf-390	485	9	and	and	CCONJ
gujaf-390	485	10	lending	lending	NOUN
gujaf-390	485	11	growth	growth	NOUN
gujaf-390	485	12	.	.	PUNCT
gujaf-390	486	1	saudi	saudi	ADJ
gujaf-390	486	2	journal	journal	PROPN
gujaf-390	486	3	of	of	ADP
gujaf-390	486	4	business	business	NOUN
gujaf-390	486	5	and	and	CCONJ
gujaf-390	486	6	management	management	NOUN
gujaf-390	486	7	studies	study	NOUN
gujaf-390	486	8	,	,	PUNCT
gujaf-390	486	9	2(5	2(5	NUM
gujaf-390	486	10	)	)	PUNCT
gujaf-390	486	11	587	587	NUM
gujaf-390	486	12	-	-	SYM
gujaf-390	486	13	590	590	NUM
gujaf-390	486	14	.	.	PUNCT
gujaf-390	487	1	tanner	tanner	NOUN
gujaf-390	487	2	,	,	PUNCT
gujaf-390	487	3	l.	l.	PROPN
gujaf-390	487	4	,	,	PUNCT
gujaf-390	487	5	&	&	CCONJ
gujaf-390	487	6	lee	lee	PROPN
gujaf-390	487	7	,	,	PUNCT
gujaf-390	487	8	m.	m.	NOUN
gujaf-390	487	9	(	(	PUNCT
gujaf-390	487	10	2024	2024	NUM
gujaf-390	487	11	)	)	PUNCT
gujaf-390	487	12	.	.	PUNCT
gujaf-390	488	1	liquidity	liquidity	NOUN
gujaf-390	488	2	management	management	NOUN
gujaf-390	488	3	and	and	CCONJ
gujaf-390	488	4	its	its	PRON
gujaf-390	488	5	critical	critical	ADJ
gujaf-390	488	6	role	role	NOUN
gujaf-390	488	7	in	in	ADP
gujaf-390	488	8	ensuring	ensure	VERB
gujaf-390	488	9	bank	bank	NOUN
gujaf-390	488	10	solvency	solvency	NOUN
gujaf-390	488	11	.	.	PUNCT
gujaf-390	489	1	financial	financial	ADJ
gujaf-390	489	2	studies	study	NOUN
gujaf-390	489	3	journal	journal	NOUN
gujaf-390	489	4	,	,	PUNCT
gujaf-390	489	5	38(1	38(1	NUM
gujaf-390	489	6	)	)	PUNCT
gujaf-390	489	7	,	,	PUNCT
gujaf-390	489	8	23	23	NUM
gujaf-390	489	9	-	-	SYM
gujaf-390	489	10	36	36	NUM
gujaf-390	489	11	.	.	PUNCT
gujaf-390	490	1	https://doi.org/10.1111/fsj.2024.0033	https://doi.org/10.1111/fsj.2024.0033	PROPN
gujaf-390	490	2	toutou	toutou	PROPN
gujaf-390	490	3	j.	j.	PROPN
gujaf-390	490	4	(	(	PUNCT
gujaf-390	490	5	2011	2011	NUM
gujaf-390	490	6	)	)	PUNCT
gujaf-390	490	7	.	.	PUNCT
gujaf-390	491	1	the	the	DET
gujaf-390	491	2	relationship	relationship	NOUN
gujaf-390	491	3	between	between	ADP
gujaf-390	491	4	liquidity	liquidity	NOUN
gujaf-390	491	5	risk	risk	NOUN
gujaf-390	491	6	and	and	CCONJ
gujaf-390	491	7	performance	performance	NOUN
gujaf-390	491	8	,	,	PUNCT
gujaf-390	491	9	an	an	DET
gujaf-390	491	10	empirical	empirical	ADJ
gujaf-390	491	11	study	study	NOUN
gujaf-390	491	12	of	of	ADP
gujaf-390	491	13	banks	bank	NOUN
gujaf-390	491	14	in	in	ADP
gujaf-390	491	15	europe	europe	PROPN
gujaf-390	491	16	,	,	PUNCT
gujaf-390	491	17	umea	umea	ADJ
gujaf-390	491	18	school	school	NOUN
gujaf-390	491	19	of	of	ADP
gujaf-390	491	20	business	business	NOUN
gujaf-390	491	21	.	.	PUNCT
gujaf-390	492	1	vodova	vodova	PROPN
gujaf-390	492	2	,	,	PUNCT
gujaf-390	492	3	p.	p.	NOUN
gujaf-390	492	4	(	(	PUNCT
gujaf-390	492	5	2013	2013	NUM
gujaf-390	492	6	)	)	PUNCT
gujaf-390	492	7	.	.	PUNCT
gujaf-390	493	1	determinants	determinant	NOUN
gujaf-390	493	2	of	of	ADP
gujaf-390	493	3	commercial	commercial	ADJ
gujaf-390	493	4	banks	bank	NOUN
gujaf-390	493	5	liquidity	liquidity	NOUN
gujaf-390	493	6	in	in	ADP
gujaf-390	493	7	hungrary	hungrary	PROPN
gujaf-390	493	8	.	.	PUNCT
gujaf-390	494	1	schváleno	schváleno	PROPN
gujaf-390	494	2	k	k	PROPN
gujaf-390	494	3	publikování	publikování	PROPN
gujaf-390	494	4	,	,	PUNCT
gujaf-390	494	5	4(3	4(3	NUM
gujaf-390	494	6	)	)	PUNCT
gujaf-390	494	7	,	,	PUNCT
gujaf-390	494	8	180	180	NUM
gujaf-390	494	9	-	-	SYM
gujaf-390	494	10	188	188	NUM
gujaf-390	494	11	.	.	PUNCT
gujaf-390	495	1	vong	vong	PROPN
gujaf-390	495	2	,	,	PUNCT
gujaf-390	495	3	p.i	p.i	PROPN
gujaf-390	495	4	.	.	PROPN
gujaf-390	495	5	,	,	PUNCT
gujaf-390	495	6	&	&	CCONJ
gujaf-390	495	7	chan	chan	PROPN
gujaf-390	495	8	h.s	h.s	PROPN
gujaf-390	495	9	.	.	PROPN
gujaf-390	495	10	(	(	PUNCT
gujaf-390	495	11	2009	2009	NUM
gujaf-390	495	12	)	)	PUNCT
gujaf-390	495	13	.	.	PUNCT
gujaf-390	496	1	determinants	determinant	NOUN
gujaf-390	496	2	of	of	ADP
gujaf-390	496	3	bank	bank	NOUN
gujaf-390	496	4	profitability	profitability	NOUN
gujaf-390	496	5	in	in	ADP
gujaf-390	496	6	macao	macao	PROPN
gujaf-390	496	7	,	,	PUNCT
gujaf-390	496	8	the	the	DET
gujaf-390	496	9	30th	30th	ADJ
gujaf-390	496	10	anniversary	anniversary	NOUN
gujaf-390	496	11	of	of	ADP
gujaf-390	496	12	journal	journal	NOUN
gujaf-390	496	13	of	of	ADP
gujaf-390	496	14	banking	banking	NOUN
gujaf-390	496	15	and	and	CCONJ
gujaf-390	496	16	finance	finance	NOUN
gujaf-390	496	17	conference	conference	NOUN
gujaf-390	496	18	,	,	PUNCT
gujaf-390	496	19	beijing	beijing	PROPN
gujaf-390	496	20	.	.	PROPN
gujaf-390	496	21	walker	walker	PROPN
gujaf-390	496	22	,	,	PUNCT
gujaf-390	496	23	a.	a.	PROPN
gujaf-390	496	24	,	,	PUNCT
gujaf-390	496	25	&	&	CCONJ
gujaf-390	496	26	davis	davis	PROPN
gujaf-390	496	27	,	,	PUNCT
gujaf-390	496	28	j.	j.	PROPN
gujaf-390	496	29	(	(	PUNCT
gujaf-390	496	30	2023	2023	NUM
gujaf-390	496	31	)	)	PUNCT
gujaf-390	496	32	.	.	PUNCT
gujaf-390	497	1	liquidity	liquidity	NOUN
gujaf-390	497	2	risk	risk	NOUN
gujaf-390	497	3	regulation	regulation	NOUN
gujaf-390	497	4	:	:	PUNCT
gujaf-390	497	5	lessons	lesson	NOUN
gujaf-390	497	6	from	from	ADP
gujaf-390	497	7	the	the	DET
gujaf-390	497	8	2008	2008	NUM
gujaf-390	497	9	financial	financial	ADJ
gujaf-390	497	10	crisis	crisis	NOUN
gujaf-390	497	11	.	.	PUNCT
gujaf-390	498	1	journal	journal	NOUN
gujaf-390	498	2	of	of	ADP
gujaf-390	498	3	financial	financial	ADJ
gujaf-390	498	4	regulation	regulation	NOUN
gujaf-390	498	5	,	,	PUNCT
gujaf-390	498	6	10(2	10(2	NUM
gujaf-390	498	7	)	)	PUNCT
gujaf-390	498	8	,	,	PUNCT
gujaf-390	498	9	82	82	NUM
gujaf-390	498	10	-	-	SYM
gujaf-390	498	11	97	97	NUM
gujaf-390	498	12	.	.	PUNCT
gujaf-390	499	1	https://doi.org/10.1016/j.jfr.2023.06.003	https://doi.org/10.1016/j.jfr.2023.06.003	PROPN
gujaf-390	499	2	wanjohi	wanjohi	PROPN
gujaf-390	499	3	,	,	PUNCT
gujaf-390	499	4	g.j	g.j	PROPN
gujaf-390	499	5	.	.	PROPN
gujaf-390	499	6	,	,	PUNCT
gujaf-390	499	7	(	(	PUNCT
gujaf-390	499	8	2013	2013	NUM
gujaf-390	499	9	)	)	PUNCT
gujaf-390	499	10	.	.	PUNCT
gujaf-390	500	1	the	the	DET
gujaf-390	500	2	effect	effect	NOUN
gujaf-390	500	3	of	of	ADP
gujaf-390	500	4	financial	financial	ADJ
gujaf-390	500	5	risk	risk	NOUN
gujaf-390	500	6	management	management	NOUN
gujaf-390	500	7	on	on	ADP
gujaf-390	500	8	the	the	DET
gujaf-390	500	9	financial	financial	ADJ
gujaf-390	500	10	performance	performance	NOUN
gujaf-390	500	11	;	;	PUNCT
gujaf-390	500	12	a	a	DET
gujaf-390	500	13	survey	survey	NOUN
gujaf-390	500	14	of	of	ADP
gujaf-390	500	15	commercial	commercial	ADJ
gujaf-390	500	16	banks	bank	NOUN
gujaf-390	500	17	in	in	ADP
gujaf-390	500	18	kenya	kenya	PROPN
gujaf-390	500	19	,	,	PUNCT
gujaf-390	500	20	unpublished	unpublished	ADJ
gujaf-390	500	21	mba	mba	NOUN
gujaf-390	500	22	project	project	NOUN
gujaf-390	500	23	,	,	PUNCT
gujaf-390	500	24	school	school	NOUN
gujaf-390	500	25	of	of	ADP
gujaf-390	500	26	business	business	NOUN
gujaf-390	500	27	,	,	PUNCT
gujaf-390	500	28	university	university	PROPN
gujaf-390	500	29	of	of	ADP
gujaf-390	500	30	nairobi	nairobi	PROPN
gujaf-390	500	31	.	.	PUNCT
gujaf-390	501	1	williams	williams	PROPN
gujaf-390	501	2	,	,	PUNCT
gujaf-390	501	3	k.	k.	PROPN
gujaf-390	501	4	,	,	PUNCT
gujaf-390	501	5	&	&	CCONJ
gujaf-390	501	6	brown	brown	PROPN
gujaf-390	501	7	,	,	PUNCT
gujaf-390	501	8	l.	l.	PROPN
gujaf-390	501	9	(	(	PUNCT
gujaf-390	501	10	2022	2022	NUM
gujaf-390	501	11	)	)	PUNCT
gujaf-390	501	12	.	.	PUNCT
gujaf-390	502	1	managing	manage	VERB
gujaf-390	502	2	credit	credit	NOUN
gujaf-390	502	3	risk	risk	NOUN
gujaf-390	502	4	in	in	ADP
gujaf-390	502	5	the	the	DET
gujaf-390	502	6	banking	banking	NOUN
gujaf-390	502	7	sector	sector	NOUN
gujaf-390	502	8	:	:	PUNCT
gujaf-390	502	9	an	an	DET
gujaf-390	502	10	analysis	analysis	NOUN
gujaf-390	502	11	of	of	ADP
gujaf-390	502	12	best	good	ADJ
gujaf-390	502	13	practices	practice	NOUN
gujaf-390	502	14	and	and	CCONJ
gujaf-390	502	15	performance	performance	NOUN
gujaf-390	502	16	outcomes	outcome	NOUN
gujaf-390	502	17	.	.	PUNCT
gujaf-390	503	1	risk	risk	NOUN
gujaf-390	503	2	and	and	CCONJ
gujaf-390	503	3	return	return	NOUN
gujaf-390	503	4	journal	journal	NOUN
gujaf-390	503	5	,	,	PUNCT
gujaf-390	503	6	31(4	31(4	NUM
gujaf-390	503	7	)	)	PUNCT
gujaf-390	503	8	,	,	PUNCT
gujaf-390	503	9	140	140	NUM
gujaf-390	503	10	-	-	SYM
gujaf-390	503	11	158	158	NUM
gujaf-390	503	12	.	.	PUNCT
gujaf-390	504	1	https://doi.org/10.1016/j.rrj.2022.09.004	https://doi.org/10.1016/j.rrj.2022.09.004	PROPN
gujaf-390	504	2	world	world	PROPN
gujaf-390	504	3	bank	bank	PROPN
gujaf-390	504	4	.	.	PUNCT
gujaf-390	505	1	(	(	PUNCT
gujaf-390	505	2	2020	2020	NUM
gujaf-390	505	3	)	)	PUNCT
gujaf-390	505	4	.	.	PUNCT
gujaf-390	506	1	world	world	NOUN
gujaf-390	506	2	development	development	NOUN
gujaf-390	506	3	indicators	indicator	NOUN
gujaf-390	506	4	.	.	PUNCT
gujaf-390	507	1	retrieved	retrieve	VERB
gujaf-390	507	2	from	from	ADP
gujaf-390	507	3	https://data.worldbank.org/indicator	https://data.worldbank.org/indicator	PROPN
gujaf-390	507	4	zhao	zhao	PROPN
gujaf-390	507	5	,	,	PUNCT
gujaf-390	507	6	x.	x.	PROPN
gujaf-390	507	7	,	,	PUNCT
gujaf-390	507	8	wong	wong	PROPN
gujaf-390	507	9	,	,	PUNCT
gujaf-390	507	10	t.	t.	PROPN
gujaf-390	507	11	,	,	PUNCT
gujaf-390	507	12	&	&	CCONJ
gujaf-390	507	13	cheng	cheng	PROPN
gujaf-390	507	14	,	,	PUNCT
gujaf-390	507	15	y.	y.	PROPN
gujaf-390	507	16	(	(	PUNCT
gujaf-390	507	17	2024	2024	NUM
gujaf-390	507	18	)	)	PUNCT
gujaf-390	507	19	.	.	PUNCT
gujaf-390	508	1	the	the	DET
gujaf-390	508	2	impact	impact	NOUN
gujaf-390	508	3	of	of	ADP
gujaf-390	508	4	risk	risk	NOUN
gujaf-390	508	5	management	management	NOUN
gujaf-390	508	6	strategies	strategy	NOUN
gujaf-390	508	7	on	on	ADP
gujaf-390	508	8	banking	banking	NOUN
gujaf-390	508	9	performance	performance	NOUN
gujaf-390	508	10	:	:	PUNCT
gujaf-390	508	11	a	a	DET
gujaf-390	508	12	comparative	comparative	ADJ
gujaf-390	508	13	study	study	NOUN
gujaf-390	508	14	of	of	ADP
gujaf-390	508	15	asia	asia	PROPN
gujaf-390	508	16	and	and	CCONJ
gujaf-390	508	17	europe	europe	PROPN
gujaf-390	508	18	.	.	PUNCT
gujaf-390	509	1	international	international	ADJ
gujaf-390	509	2	review	review	NOUN
gujaf-390	509	3	of	of	ADP
gujaf-390	509	4	economics	economic	NOUN
gujaf-390	509	5	and	and	CCONJ
gujaf-390	509	6	finance	finance	NOUN
gujaf-390	509	7	,	,	PUNCT
gujaf-390	509	8	28(2	28(2	NUM
gujaf-390	509	9	)	)	PUNCT
gujaf-390	509	10	,	,	PUNCT
gujaf-390	509	11	109	109	NUM
gujaf-390	509	12	-	-	SYM
gujaf-390	509	13	123	123	NUM
gujaf-390	509	14	.	.	PUNCT
gujaf-390	510	1	https://doi.org/10.1016/j.iref.2023.11.003	https://doi.org/10.1016/j.iref.2023.11.003	NOUN