id	sid	tid	token	lemma	pos
gujaf-67	1	1	gusau	gusau	PROPN
gujaf-67	1	2	journal	journal	NOUN
gujaf-67	1	3	of	of	ADP
gujaf-67	1	4	accounting	accounting	NOUN
gujaf-67	1	5	and	and	CCONJ
gujaf-67	1	6	finance	finance	NOUN
gujaf-67	1	7	,	,	PUNCT
gujaf-67	1	8	vol	vol	NOUN
gujaf-67	1	9	.	.	PROPN
gujaf-67	1	10	2	2	NUM
gujaf-67	1	11	,	,	PUNCT
gujaf-67	1	12	issue	issue	NOUN
gujaf-67	1	13	2	2	NUM
gujaf-67	1	14	,	,	PUNCT
gujaf-67	1	15	april	april	PROPN
gujaf-67	1	16	,	,	PUNCT
gujaf-67	1	17	2021	2021	NUM
gujaf-67	1	18	1	1	NUM
gujaf-67	1	19	gusau	gusau	ADJ
gujaf-67	1	20	journal	journal	NOUN
gujaf-67	1	21	of	of	ADP
gujaf-67	1	22	accounting	accounting	NOUN
gujaf-67	1	23	and	and	CCONJ
gujaf-67	1	24	finance	finance	NOUN
gujaf-67	1	25	(	(	PUNCT
gujaf-67	1	26	gujaf	gujaf	NOUN
gujaf-67	1	27	)	)	PUNCT
gujaf-67	1	28	vol	vol	NOUN
gujaf-67	1	29	.	.	NOUN
gujaf-67	1	30	2	2	NUM
gujaf-67	1	31	issue	issue	NOUN
gujaf-67	1	32	2	2	NUM
gujaf-67	1	33	april	april	PROPN
gujaf-67	1	34	,	,	PUNCT
gujaf-67	1	35	2021	2021	NUM
gujaf-67	1	36	issn	issn	X
gujaf-67	1	37	:	:	PUNCT
gujaf-67	1	38	2756	2756	NUM
gujaf-67	1	39	-	-	PUNCT
gujaf-67	1	40	665x	665x	NOUN
gujaf-67	1	41	a	a	DET
gujaf-67	1	42	publication	publication	NOUN
gujaf-67	1	43	of	of	ADP
gujaf-67	1	44	department	department	NOUN
gujaf-67	1	45	of	of	ADP
gujaf-67	1	46	accounting	accounting	NOUN
gujaf-67	1	47	and	and	CCONJ
gujaf-67	1	48	finance	finance	NOUN
gujaf-67	1	49	,	,	PUNCT
gujaf-67	1	50	faculty	faculty	NOUN
gujaf-67	1	51	of	of	ADP
gujaf-67	1	52	management	management	NOUN
gujaf-67	1	53	and	and	CCONJ
gujaf-67	1	54	social	social	ADJ
gujaf-67	1	55	sciences	science	NOUN
gujaf-67	1	56	,	,	PUNCT
gujaf-67	1	57	federal	federal	ADJ
gujaf-67	1	58	university	university	NOUN
gujaf-67	1	59	gusau	gusau	NOUN
gujaf-67	1	60	,	,	PUNCT
gujaf-67	1	61	zamfara	zamfara	PROPN
gujaf-67	1	62	state	state	PROPN
gujaf-67	1	63	–	–	PUNCT
gujaf-67	1	64	nigeria	nigeria	PROPN
gujaf-67	1	65	gusau	gusau	PROPN
gujaf-67	1	66	journal	journal	PROPN
gujaf-67	1	67	of	of	ADP
gujaf-67	1	68	accounting	accounting	NOUN
gujaf-67	1	69	and	and	CCONJ
gujaf-67	1	70	finance	finance	NOUN
gujaf-67	1	71	,	,	PUNCT
gujaf-67	1	72	vol	vol	NOUN
gujaf-67	1	73	.	.	PROPN
gujaf-67	1	74	2	2	NUM
gujaf-67	1	75	,	,	PUNCT
gujaf-67	1	76	issue	issue	NOUN
gujaf-67	1	77	2	2	NUM
gujaf-67	1	78	,	,	PUNCT
gujaf-67	1	79	april	april	PROPN
gujaf-67	1	80	,	,	PUNCT
gujaf-67	1	81	2021	2021	NUM
gujaf-67	1	82	2	2	NUM
gujaf-67	1	83	financial	financial	ADJ
gujaf-67	1	84	soundness	soundness	NOUN
gujaf-67	1	85	indicators	indicator	NOUN
gujaf-67	1	86	and	and	CCONJ
gujaf-67	1	87	efficiency	efficiency	NOUN
gujaf-67	1	88	of	of	ADP
gujaf-67	1	89	listed	list	VERB
gujaf-67	1	90	deposit	deposit	NOUN
gujaf-67	1	91	money	money	NOUN
gujaf-67	1	92	banks	bank	NOUN
gujaf-67	1	93	in	in	ADP
gujaf-67	1	94	nigeria	nigeria	PROPN
gujaf-67	1	95	.	.	PUNCT
gujaf-67	2	1	maude	maude	PROPN
gujaf-67	2	2	,	,	PUNCT
gujaf-67	2	3	fatima	fatima	PROPN
gujaf-67	2	4	.	.	PUNCT
gujaf-67	3	1	ahmed	ahmed	PROPN
gujaf-67	3	2	.	.	PUNCT
gujaf-67	4	1	phd	phd	PROPN
gujaf-67	4	2	department	department	PROPN
gujaf-67	4	3	of	of	ADP
gujaf-67	4	4	business	business	PROPN
gujaf-67	4	5	education	education	PROPN
gujaf-67	4	6	federal	federal	PROPN
gujaf-67	4	7	college	college	PROPN
gujaf-67	4	8	of	of	ADP
gujaf-67	4	9	education	education	NOUN
gujaf-67	4	10	,	,	PUNCT
gujaf-67	4	11	zaria	zaria	PROPN
gujaf-67	4	12	ahmad	ahmad	PROPN
gujaf-67	4	13	bello	bello	PROPN
gujaf-67	4	14	dogarawa	dogarawa	PROPN
gujaf-67	4	15	phd	phd	NOUN
gujaf-67	4	16	professor	professor	NOUN
gujaf-67	4	17	of	of	ADP
gujaf-67	4	18	accounting	accounting	NOUN
gujaf-67	4	19	and	and	CCONJ
gujaf-67	4	20	finance	finance	PROPN
gujaf-67	4	21	department	department	NOUN
gujaf-67	4	22	of	of	ADP
gujaf-67	4	23	accounting	account	VERB
gujaf-67	4	24	ahmadu	ahmadu	PROPN
gujaf-67	4	25	bello	bello	PROPN
gujaf-67	4	26	university	university	PROPN
gujaf-67	4	27	zaria	zaria	PROPN
gujaf-67	4	28	abellodogarawa@gmail.com	abellodogarawa@gmail.com	X
gujaf-67	5	1	abstract	abstract	ADJ
gujaf-67	5	2	the	the	DET
gujaf-67	5	3	efficiency	efficiency	NOUN
gujaf-67	5	4	of	of	ADP
gujaf-67	5	5	a	a	DET
gujaf-67	5	6	country	country	NOUN
gujaf-67	5	7	’s	’s	PART
gujaf-67	5	8	banking	banking	NOUN
gujaf-67	5	9	industry	industry	NOUN
gujaf-67	5	10	is	be	AUX
gujaf-67	5	11	key	key	ADJ
gujaf-67	5	12	to	to	ADP
gujaf-67	5	13	the	the	DET
gujaf-67	5	14	stability	stability	NOUN
gujaf-67	5	15	of	of	ADP
gujaf-67	5	16	its	its	PRON
gujaf-67	5	17	financial	financial	ADJ
gujaf-67	5	18	system	system	NOUN
gujaf-67	5	19	.	.	PUNCT
gujaf-67	6	1	however	however	ADV
gujaf-67	6	2	,	,	PUNCT
gujaf-67	6	3	there	there	PRON
gujaf-67	6	4	has	have	AUX
gujaf-67	6	5	been	be	AUX
gujaf-67	6	6	an	an	DET
gujaf-67	6	7	increasing	increase	VERB
gujaf-67	6	8	scholarly	scholarly	ADJ
gujaf-67	6	9	debate	debate	NOUN
gujaf-67	6	10	on	on	ADP
gujaf-67	6	11	the	the	DET
gujaf-67	6	12	factors	factor	NOUN
gujaf-67	6	13	that	that	PRON
gujaf-67	6	14	affect	affect	VERB
gujaf-67	6	15	bank	bank	NOUN
gujaf-67	6	16	efficiency	efficiency	NOUN
gujaf-67	6	17	.	.	PUNCT
gujaf-67	7	1	some	some	DET
gujaf-67	7	2	scholars	scholar	NOUN
gujaf-67	7	3	argue	argue	VERB
gujaf-67	7	4	that	that	SCONJ
gujaf-67	7	5	efficiency	efficiency	NOUN
gujaf-67	7	6	is	be	AUX
gujaf-67	7	7	enhanced	enhance	VERB
gujaf-67	7	8	by	by	ADP
gujaf-67	7	9	mainly	mainly	ADV
gujaf-67	7	10	improvements	improvement	NOUN
gujaf-67	7	11	in	in	ADP
gujaf-67	7	12	the	the	DET
gujaf-67	7	13	strategic	strategic	ADJ
gujaf-67	7	14	internal	internal	ADJ
gujaf-67	7	15	resources	resource	NOUN
gujaf-67	7	16	of	of	ADP
gujaf-67	7	17	a	a	DET
gujaf-67	7	18	bank	bank	NOUN
gujaf-67	7	19	such	such	ADJ
gujaf-67	7	20	as	as	ADP
gujaf-67	7	21	firm	firm	ADJ
gujaf-67	7	22	specific	specific	ADJ
gujaf-67	7	23	attributes	attribute	NOUN
gujaf-67	7	24	like	like	ADP
gujaf-67	7	25	capital	capital	NOUN
gujaf-67	7	26	,	,	PUNCT
gujaf-67	7	27	assets	asset	NOUN
gujaf-67	7	28	,	,	PUNCT
gujaf-67	7	29	and	and	CCONJ
gujaf-67	7	30	liquidity	liquidity	NOUN
gujaf-67	7	31	while	while	SCONJ
gujaf-67	7	32	other	other	ADJ
gujaf-67	7	33	scholars	scholar	NOUN
gujaf-67	7	34	posit	posit	VERB
gujaf-67	7	35	that	that	SCONJ
gujaf-67	7	36	industry	industry	NOUN
gujaf-67	7	37	wide	wide	ADJ
gujaf-67	7	38	factors	factor	NOUN
gujaf-67	7	39	and	and	CCONJ
gujaf-67	7	40	macroeconomic	macroeconomic	ADJ
gujaf-67	7	41	variables	variable	NOUN
gujaf-67	7	42	such	such	ADJ
gujaf-67	7	43	as	as	ADP
gujaf-67	7	44	market	market	NOUN
gujaf-67	7	45	structure	structure	NOUN
gujaf-67	7	46	and	and	CCONJ
gujaf-67	7	47	interest	interest	NOUN
gujaf-67	7	48	rate	rate	NOUN
gujaf-67	7	49	respectively	respectively	ADV
gujaf-67	7	50	are	be	AUX
gujaf-67	7	51	also	also	ADV
gujaf-67	7	52	integral	integral	ADJ
gujaf-67	7	53	to	to	ADP
gujaf-67	7	54	bank	bank	NOUN
gujaf-67	7	55	efficiency	efficiency	NOUN
gujaf-67	7	56	.	.	PUNCT
gujaf-67	8	1	notwithstanding	notwithstanding	ADP
gujaf-67	8	2	the	the	DET
gujaf-67	8	3	divergent	divergent	ADJ
gujaf-67	8	4	opinion	opinion	NOUN
gujaf-67	8	5	,	,	PUNCT
gujaf-67	8	6	measuring	measure	VERB
gujaf-67	8	7	bank	bank	NOUN
gujaf-67	8	8	efficiency	efficiency	NOUN
gujaf-67	8	9	using	use	VERB
gujaf-67	8	10	international	international	ADJ
gujaf-67	8	11	monetary	monetary	ADJ
gujaf-67	8	12	fund	fund	PROPN
gujaf-67	8	13	’s	’s	PART
gujaf-67	8	14	core	core	NOUN
gujaf-67	8	15	set	set	NOUN
gujaf-67	8	16	of	of	ADP
gujaf-67	8	17	financial	financial	ADJ
gujaf-67	8	18	soundness	soundness	NOUN
gujaf-67	8	19	indicators	indicator	NOUN
gujaf-67	8	20	,	,	PUNCT
gujaf-67	8	21	which	which	PRON
gujaf-67	8	22	are	be	AUX
gujaf-67	8	23	firm	firm	ADJ
gujaf-67	8	24	specific	specific	ADJ
gujaf-67	8	25	attributes	attribute	NOUN
gujaf-67	8	26	that	that	PRON
gujaf-67	8	27	stand	stand	VERB
gujaf-67	8	28	for	for	ADP
gujaf-67	8	29	capital	capital	NOUN
gujaf-67	8	30	adequacy	adequacy	NOUN
gujaf-67	8	31	,	,	PUNCT
gujaf-67	8	32	asset	asset	NOUN
gujaf-67	8	33	quality	quality	NOUN
gujaf-67	8	34	,	,	PUNCT
gujaf-67	8	35	earnings	earning	NOUN
gujaf-67	8	36	,	,	PUNCT
gujaf-67	8	37	liquidity	liquidity	NOUN
gujaf-67	8	38	and	and	CCONJ
gujaf-67	8	39	sensitivity	sensitivity	NOUN
gujaf-67	8	40	to	to	ADP
gujaf-67	8	41	market	market	NOUN
gujaf-67	8	42	risk	risk	NOUN
gujaf-67	8	43	,	,	PUNCT
gujaf-67	8	44	has	have	AUX
gujaf-67	8	45	become	become	AUX
gujaf-67	8	46	widely	widely	ADV
gujaf-67	8	47	accepted	accept	VERB
gujaf-67	8	48	in	in	ADP
gujaf-67	8	49	finance	finance	NOUN
gujaf-67	8	50	literature	literature	NOUN
gujaf-67	8	51	.	.	PUNCT
gujaf-67	9	1	using	use	VERB
gujaf-67	9	2	bank	bank	NOUN
gujaf-67	9	3	-	-	PUNCT
gujaf-67	9	4	level	level	NOUN
gujaf-67	9	5	analysis	analysis	NOUN
gujaf-67	9	6	approach	approach	NOUN
gujaf-67	9	7	,	,	PUNCT
gujaf-67	9	8	this	this	DET
gujaf-67	9	9	paper	paper	NOUN
gujaf-67	9	10	assesses	assess	VERB
gujaf-67	9	11	the	the	DET
gujaf-67	9	12	effect	effect	NOUN
gujaf-67	9	13	of	of	ADP
gujaf-67	9	14	financial	financial	ADJ
gujaf-67	9	15	soundness	soundness	NOUN
gujaf-67	9	16	indicators	indicator	NOUN
gujaf-67	9	17	on	on	ADP
gujaf-67	9	18	efficiency	efficiency	NOUN
gujaf-67	9	19	of	of	ADP
gujaf-67	9	20	listed	list	VERB
gujaf-67	9	21	deposit	deposit	NOUN
gujaf-67	9	22	money	money	NOUN
gujaf-67	9	23	banks	bank	NOUN
gujaf-67	9	24	in	in	ADP
gujaf-67	9	25	nigeria	nigeria	PROPN
gujaf-67	9	26	for	for	ADP
gujaf-67	9	27	the	the	DET
gujaf-67	9	28	period	period	NOUN
gujaf-67	9	29	2010	2010	NUM
gujaf-67	9	30	-	-	SYM
gujaf-67	9	31	2018	2018	NUM
gujaf-67	9	32	.	.	PUNCT
gujaf-67	10	1	the	the	DET
gujaf-67	10	2	paper	paper	NOUN
gujaf-67	10	3	,	,	PUNCT
gujaf-67	10	4	which	which	PRON
gujaf-67	10	5	applies	apply	VERB
gujaf-67	10	6	correlational	correlational	ADJ
gujaf-67	10	7	research	research	NOUN
gujaf-67	10	8	design	design	NOUN
gujaf-67	10	9	,	,	PUNCT
gujaf-67	10	10	uses	use	VERB
gujaf-67	10	11	firm	firm	ADJ
gujaf-67	10	12	-	-	PUNCT
gujaf-67	10	13	level	level	NOUN
gujaf-67	10	14	secondary	secondary	ADJ
gujaf-67	10	15	data	datum	NOUN
gujaf-67	10	16	extracted	extract	VERB
gujaf-67	10	17	from	from	ADP
gujaf-67	10	18	the	the	DET
gujaf-67	10	19	annual	annual	ADJ
gujaf-67	10	20	reports	report	NOUN
gujaf-67	10	21	and	and	CCONJ
gujaf-67	10	22	accounts	account	NOUN
gujaf-67	10	23	of	of	ADP
gujaf-67	10	24	14	14	NUM
gujaf-67	10	25	out	out	ADP
gujaf-67	10	26	of	of	ADP
gujaf-67	10	27	the	the	DET
gujaf-67	10	28	22	22	NUM
gujaf-67	10	29	licensed	licensed	ADJ
gujaf-67	10	30	banks	bank	NOUN
gujaf-67	10	31	as	as	ADP
gujaf-67	10	32	at	at	ADP
gujaf-67	10	33	31	31	NUM
gujaf-67	10	34	st	st	PROPN
gujaf-67	10	35	december	december	PROPN
gujaf-67	10	36	,	,	PUNCT
gujaf-67	10	37	2018	2018	NUM
gujaf-67	10	38	.	.	PUNCT
gujaf-67	11	1	the	the	DET
gujaf-67	11	2	robust	robust	ADJ
gujaf-67	11	3	fixed	fix	VERB
gujaf-67	11	4	effect	effect	NOUN
gujaf-67	11	5	regression	regression	NOUN
gujaf-67	11	6	result	result	NOUN
gujaf-67	11	7	used	use	VERB
gujaf-67	11	8	for	for	ADP
gujaf-67	11	9	analysis	analysis	NOUN
gujaf-67	11	10	shows	show	VERB
gujaf-67	11	11	that	that	SCONJ
gujaf-67	11	12	overall	overall	ADV
gujaf-67	11	13	;	;	PUNCT
gujaf-67	11	14	the	the	DET
gujaf-67	11	15	core	core	NOUN
gujaf-67	11	16	set	set	NOUN
gujaf-67	11	17	of	of	ADP
gujaf-67	11	18	financial	financial	ADJ
gujaf-67	11	19	soundness	soundness	NOUN
gujaf-67	11	20	indicators	indicator	NOUN
gujaf-67	11	21	has	have	VERB
gujaf-67	11	22	significant	significant	ADJ
gujaf-67	11	23	effect	effect	NOUN
gujaf-67	11	24	on	on	ADP
gujaf-67	11	25	efficiency	efficiency	NOUN
gujaf-67	11	26	of	of	ADP
gujaf-67	11	27	deposit	deposit	NOUN
gujaf-67	11	28	money	money	NOUN
gujaf-67	11	29	banks	bank	NOUN
gujaf-67	11	30	in	in	ADP
gujaf-67	11	31	nigeria	nigeria	PROPN
gujaf-67	11	32	for	for	ADP
gujaf-67	11	33	the	the	DET
gujaf-67	11	34	period	period	NOUN
gujaf-67	11	35	under	under	ADP
gujaf-67	11	36	review	review	NOUN
gujaf-67	11	37	.	.	PUNCT
gujaf-67	12	1	at	at	ADP
gujaf-67	12	2	the	the	DET
gujaf-67	12	3	level	level	NOUN
gujaf-67	12	4	of	of	ADP
gujaf-67	12	5	individual	individual	ADJ
gujaf-67	12	6	components	component	NOUN
gujaf-67	12	7	,	,	PUNCT
gujaf-67	12	8	all	all	DET
gujaf-67	12	9	the	the	DET
gujaf-67	12	10	variables	variable	NOUN
gujaf-67	12	11	except	except	SCONJ
gujaf-67	12	12	asset	asset	NOUN
gujaf-67	12	13	quality	quality	NOUN
gujaf-67	12	14	have	have	VERB
gujaf-67	12	15	significant	significant	ADJ
gujaf-67	12	16	effect	effect	NOUN
gujaf-67	12	17	on	on	ADP
gujaf-67	12	18	efficiency	efficiency	NOUN
gujaf-67	12	19	though	though	SCONJ
gujaf-67	12	20	the	the	DET
gujaf-67	12	21	direction	direction	NOUN
gujaf-67	12	22	of	of	ADP
gujaf-67	12	23	the	the	DET
gujaf-67	12	24	relationship	relationship	NOUN
gujaf-67	12	25	between	between	ADP
gujaf-67	12	26	efficiency	efficiency	NOUN
gujaf-67	12	27	and	and	CCONJ
gujaf-67	12	28	both	both	DET
gujaf-67	12	29	capital	capital	NOUN
gujaf-67	12	30	adequacy	adequacy	NOUN
gujaf-67	12	31	and	and	CCONJ
gujaf-67	12	32	profitability	profitability	NOUN
gujaf-67	12	33	is	be	AUX
gujaf-67	12	34	not	not	PART
gujaf-67	12	35	in	in	ADP
gujaf-67	12	36	line	line	NOUN
gujaf-67	12	37	with	with	ADP
gujaf-67	12	38	theoretical	theoretical	ADJ
gujaf-67	12	39	expectation	expectation	NOUN
gujaf-67	12	40	.	.	PUNCT
gujaf-67	13	1	the	the	DET
gujaf-67	13	2	paper	paper	NOUN
gujaf-67	13	3	recommends	recommend	VERB
gujaf-67	13	4	amongst	amongst	ADP
gujaf-67	13	5	other	other	ADJ
gujaf-67	13	6	things	thing	NOUN
gujaf-67	13	7	that	that	PRON
gujaf-67	13	8	bank	bank	NOUN
gujaf-67	13	9	management	management	NOUN
gujaf-67	13	10	should	should	AUX
gujaf-67	13	11	continue	continue	VERB
gujaf-67	13	12	to	to	PART
gujaf-67	13	13	use	use	VERB
gujaf-67	13	14	financial	financial	ADJ
gujaf-67	13	15	soundness	soundness	NOUN
gujaf-67	13	16	indicators	indicator	NOUN
gujaf-67	13	17	in	in	ADP
gujaf-67	13	18	benchmarking	benchmarke	VERB
gujaf-67	13	19	the	the	DET
gujaf-67	13	20	efficiency	efficiency	NOUN
gujaf-67	13	21	of	of	ADP
gujaf-67	13	22	their	their	PRON
gujaf-67	13	23	operations	operation	NOUN
gujaf-67	13	24	.	.	PUNCT
gujaf-67	14	1	keywords	keyword	NOUN
gujaf-67	14	2	:	:	PUNCT
gujaf-67	14	3	deposit	deposit	VERB
gujaf-67	14	4	money	money	NOUN
gujaf-67	14	5	banks	bank	NOUN
gujaf-67	14	6	;	;	PUNCT
gujaf-67	14	7	efficiency	efficiency	NOUN
gujaf-67	14	8	;	;	PUNCT
gujaf-67	14	9	finance	finance	NOUN
gujaf-67	14	10	;	;	PUNCT
gujaf-67	14	11	financial	financial	ADJ
gujaf-67	14	12	crisis	crisis	NOUN
gujaf-67	14	13	;	;	PUNCT
gujaf-67	14	14	financial	financial	ADJ
gujaf-67	14	15	intermediation	intermediation	NOUN
gujaf-67	14	16	;	;	PUNCT
gujaf-67	14	17	financial	financial	ADJ
gujaf-67	14	18	soundness	soundness	NOUN
gujaf-67	14	19	indicators	indicator	NOUN
gujaf-67	14	20	;	;	PUNCT
gujaf-67	14	21	nigeria	nigeria	PROPN
gujaf-67	14	22	jel	jel	PROPN
gujaf-67	14	23	:	:	PUNCT
gujaf-67	14	24	g01	g01	NOUN
gujaf-67	14	25	&	&	CCONJ
gujaf-67	14	26	g28	g28	VERB
gujaf-67	14	27	1	1	NUM
gujaf-67	14	28	.	.	PUNCT
gujaf-67	14	29	introduction	introduction	NOUN
gujaf-67	14	30	since	since	SCONJ
gujaf-67	14	31	the	the	DET
gujaf-67	14	32	2007	2007	NUM
gujaf-67	14	33	financial	financial	ADJ
gujaf-67	14	34	crisis	crisis	NOUN
gujaf-67	14	35	that	that	PRON
gujaf-67	14	36	drastically	drastically	ADV
gujaf-67	14	37	affected	affect	VERB
gujaf-67	14	38	the	the	DET
gujaf-67	14	39	global	global	ADJ
gujaf-67	14	40	economy	economy	NOUN
gujaf-67	14	41	,	,	PUNCT
gujaf-67	14	42	banking	banking	NOUN
gujaf-67	14	43	regulators	regulator	NOUN
gujaf-67	14	44	across	across	ADP
gujaf-67	14	45	the	the	DET
gujaf-67	14	46	globe	globe	NOUN
gujaf-67	14	47	have	have	AUX
gujaf-67	14	48	been	be	AUX
gujaf-67	14	49	focusing	focus	VERB
gujaf-67	14	50	attention	attention	NOUN
gujaf-67	14	51	on	on	ADP
gujaf-67	14	52	monitoring	monitor	VERB
gujaf-67	14	53	the	the	DET
gujaf-67	14	54	entire	entire	ADJ
gujaf-67	14	55	financial	financial	ADJ
gujaf-67	14	56	system	system	NOUN
gujaf-67	14	57	to	to	PART
gujaf-67	14	58	ensure	ensure	VERB
gujaf-67	14	59	its	its	PRON
gujaf-67	14	60	stability	stability	NOUN
gujaf-67	14	61	and	and	CCONJ
gujaf-67	14	62	soundness	soundness	NOUN
gujaf-67	14	63	as	as	ADV
gujaf-67	14	64	well	well	ADV
gujaf-67	14	65	as	as	ADP
gujaf-67	14	66	how	how	SCONJ
gujaf-67	14	67	to	to	PART
gujaf-67	14	68	recognise	recognise	VERB
gujaf-67	14	69	and	and	CCONJ
gujaf-67	14	70	arrest	arrest	VERB
gujaf-67	14	71	early	early	ADJ
gujaf-67	14	72	warning	warning	NOUN
gujaf-67	14	73	signals	signal	NOUN
gujaf-67	14	74	of	of	ADP
gujaf-67	14	75	potential	potential	ADJ
gujaf-67	14	76	bank	bank	NOUN
gujaf-67	14	77	financial	financial	ADJ
gujaf-67	14	78	unsoundness	unsoundness	NOUN
gujaf-67	14	79	.	.	PUNCT
gujaf-67	15	1	at	at	ADP
gujaf-67	15	2	the	the	DET
gujaf-67	15	3	onset	onset	NOUN
gujaf-67	15	4	of	of	ADP
gujaf-67	15	5	the	the	DET
gujaf-67	15	6	crisis	crisis	NOUN
gujaf-67	15	7	therefore	therefore	ADV
gujaf-67	15	8	,	,	PUNCT
gujaf-67	15	9	banking	banking	NOUN
gujaf-67	15	10	supervisors	supervisor	NOUN
gujaf-67	15	11	in	in	ADP
gujaf-67	15	12	many	many	ADJ
gujaf-67	15	13	countries	country	NOUN
gujaf-67	15	14	have	have	AUX
gujaf-67	15	15	promoted	promote	VERB
gujaf-67	15	16	financial	financial	ADJ
gujaf-67	15	17	soundness	soundness	NOUN
gujaf-67	15	18	by	by	ADP
gujaf-67	15	19	requiring	require	VERB
gujaf-67	15	20	banks	bank	NOUN
gujaf-67	15	21	to	to	PART
gujaf-67	15	22	boost	boost	VERB
gujaf-67	15	23	capital	capital	NOUN
gujaf-67	15	24	,	,	PUNCT
gujaf-67	15	25	enhance	enhance	VERB
gujaf-67	15	26	quality	quality	NOUN
gujaf-67	15	27	of	of	ADP
gujaf-67	15	28	assets	asset	NOUN
gujaf-67	15	29	and	and	CCONJ
gujaf-67	15	30	increase	increase	VERB
gujaf-67	15	31	liquidity	liquidity	NOUN
gujaf-67	15	32	(	(	PUNCT
gujaf-67	15	33	che	che	PROPN
gujaf-67	15	34	&	&	CCONJ
gujaf-67	15	35	shinagawa	shinagawa	PROPN
gujaf-67	15	36	,	,	PUNCT
gujaf-67	15	37	2014	2014	NUM
gujaf-67	15	38	;	;	PUNCT
gujaf-67	15	39	parrado	parrado	NOUN
gujaf-67	15	40	-	-	PUNCT
gujaf-67	15	41	martínez	martínez	NOUN
gujaf-67	15	42	et	et	PROPN
gujaf-67	15	43	al	al	PROPN
gujaf-67	15	44	.	.	PROPN
gujaf-67	15	45	,	,	PUNCT
gujaf-67	15	46	2014	2014	NUM
gujaf-67	15	47	)	)	PUNCT
gujaf-67	15	48	.	.	PUNCT
gujaf-67	16	1	the	the	DET
gujaf-67	16	2	decision	decision	NOUN
gujaf-67	16	3	was	be	AUX
gujaf-67	16	4	predicated	predicate	VERB
gujaf-67	16	5	upon	upon	SCONJ
gujaf-67	16	6	the	the	DET
gujaf-67	16	7	belief	belief	NOUN
gujaf-67	16	8	that	that	SCONJ
gujaf-67	16	9	a	a	DET
gujaf-67	16	10	strong	strong	ADJ
gujaf-67	16	11	relationship	relationship	NOUN
gujaf-67	16	12	exists	exist	VERB
gujaf-67	16	13	between	between	ADP
gujaf-67	16	14	financial	financial	ADJ
gujaf-67	16	15	soundness	soundness	NOUN
gujaf-67	16	16	and	and	CCONJ
gujaf-67	16	17	safety	safety	NOUN
gujaf-67	16	18	of	of	ADP
gujaf-67	16	19	banks	bank	NOUN
gujaf-67	16	20	.	.	PUNCT
gujaf-67	17	1	in	in	ADP
gujaf-67	17	2	line	line	NOUN
gujaf-67	17	3	with	with	ADP
gujaf-67	17	4	the	the	DET
gujaf-67	17	5	financial	financial	ADJ
gujaf-67	17	6	sector	sector	NOUN
gujaf-67	17	7	assessment	assessment	NOUN
gujaf-67	17	8	program	program	NOUN
gujaf-67	17	9	that	that	SCONJ
gujaf-67	17	10	international	international	ADJ
gujaf-67	17	11	monetary	monetary	ADJ
gujaf-67	17	12	fund	fund	NOUN
gujaf-67	17	13	(	(	PUNCT
gujaf-67	17	14	imf	imf	PROPN
gujaf-67	17	15	)	)	PUNCT
gujaf-67	17	16	and	and	CCONJ
gujaf-67	17	17	world	world	PROPN
gujaf-67	17	18	bank	bank	PROPN
gujaf-67	17	19	jointly	jointly	ADV
gujaf-67	17	20	launched	launch	VERB
gujaf-67	17	21	in	in	ADP
gujaf-67	17	22	1999	1999	NUM
gujaf-67	17	23	,	,	PUNCT
gujaf-67	17	24	the	the	DET
gujaf-67	17	25	imf	imf	PROPN
gujaf-67	17	26	developed	develop	VERB
gujaf-67	17	27	and	and	CCONJ
gujaf-67	17	28	compiled	compile	VERB
gujaf-67	17	29	a	a	DET
gujaf-67	17	30	set	set	NOUN
gujaf-67	17	31	of	of	ADP
gujaf-67	17	32	financial	financial	ADJ
gujaf-67	17	33	soundness	soundness	NOUN
gujaf-67	17	34	indicators	indicator	NOUN
gujaf-67	17	35	(	(	PUNCT
gujaf-67	17	36	fsis	fsis	NOUN
gujaf-67	17	37	)	)	PUNCT
gujaf-67	17	38	in	in	ADP
gujaf-67	17	39	2000	2000	NUM
gujaf-67	17	40	to	to	PART
gujaf-67	17	41	serve	serve	VERB
gujaf-67	17	42	as	as	ADP
gujaf-67	17	43	a	a	DET
gujaf-67	17	44	tool	tool	NOUN
gujaf-67	17	45	,	,	PUNCT
gujaf-67	17	46	which	which	PRON
gujaf-67	17	47	financial	financial	ADJ
gujaf-67	17	48	regulators	regulator	NOUN
gujaf-67	17	49	could	could	AUX
gujaf-67	17	50	employ	employ	VERB
gujaf-67	17	51	to	to	PART
gujaf-67	17	52	monitor	monitor	VERB
gujaf-67	17	53	the	the	DET
gujaf-67	17	54	soundness	soundness	NOUN
gujaf-67	17	55	of	of	ADP
gujaf-67	17	56	financial	financial	ADJ
gujaf-67	17	57	systems	system	NOUN
gujaf-67	17	58	.	.	PUNCT
gujaf-67	18	1	sundararajan	sundararajan	NOUN
gujaf-67	18	2	et	et	PROPN
gujaf-67	18	3	al	al	PROPN
gujaf-67	18	4	.	.	PROPN
gujaf-67	19	1	(	(	PUNCT
gujaf-67	19	2	2002:2	2002:2	NOUN
gujaf-67	19	3	)	)	PUNCT
gujaf-67	19	4	defined	define	VERB
gujaf-67	19	5	fsis	fsis	NOUN
gujaf-67	19	6	as	as	ADP
gujaf-67	19	7	indicators	indicator	NOUN
gujaf-67	19	8	compiled	compile	VERB
gujaf-67	19	9	to	to	PART
gujaf-67	19	10	monitor	monitor	VERB
gujaf-67	19	11	the	the	DET
gujaf-67	19	12	health	health	NOUN
gujaf-67	19	13	and	and	CCONJ
gujaf-67	19	14	soundness	soundness	NOUN
gujaf-67	19	15	of	of	ADP
gujaf-67	19	16	financial	financial	ADJ
gujaf-67	19	17	institutions	institution	NOUN
gujaf-67	19	18	and	and	CCONJ
gujaf-67	19	19	markets	market	NOUN
gujaf-67	19	20	,	,	PUNCT
gujaf-67	19	21	gusau	gusau	ADJ
gujaf-67	19	22	journal	journal	NOUN
gujaf-67	19	23	of	of	ADP
gujaf-67	19	24	accounting	accounting	NOUN
gujaf-67	19	25	and	and	CCONJ
gujaf-67	19	26	finance	finance	NOUN
gujaf-67	19	27	,	,	PUNCT
gujaf-67	19	28	vol	vol	NOUN
gujaf-67	19	29	.	.	PROPN
gujaf-67	19	30	2	2	NUM
gujaf-67	19	31	,	,	PUNCT
gujaf-67	19	32	issue	issue	NOUN
gujaf-67	19	33	2	2	NUM
gujaf-67	19	34	,	,	PUNCT
gujaf-67	19	35	april	april	PROPN
gujaf-67	19	36	,	,	PUNCT
gujaf-67	19	37	2021	2021	NUM
gujaf-67	19	38	3	3	NUM
gujaf-67	19	39	and	and	CCONJ
gujaf-67	19	40	of	of	ADP
gujaf-67	19	41	their	their	PRON
gujaf-67	19	42	corporate	corporate	ADJ
gujaf-67	19	43	and	and	CCONJ
gujaf-67	19	44	household	household	NOUN
gujaf-67	19	45	counterparts	counterpart	NOUN
gujaf-67	19	46	.	.	PUNCT
gujaf-67	20	1	the	the	DET
gujaf-67	20	2	indicators	indicator	NOUN
gujaf-67	20	3	include	include	VERB
gujaf-67	20	4	both	both	PRON
gujaf-67	20	5	aggregated	aggregate	VERB
gujaf-67	20	6	information	information	NOUN
gujaf-67	20	7	on	on	ADP
gujaf-67	20	8	financial	financial	ADJ
gujaf-67	20	9	institutions	institution	NOUN
gujaf-67	20	10	and	and	CCONJ
gujaf-67	20	11	indicators	indicator	NOUN
gujaf-67	20	12	that	that	PRON
gujaf-67	20	13	are	be	AUX
gujaf-67	20	14	representative	representative	ADJ
gujaf-67	20	15	of	of	ADP
gujaf-67	20	16	markets	market	NOUN
gujaf-67	20	17	in	in	ADP
gujaf-67	20	18	which	which	PRON
gujaf-67	20	19	financial	financial	ADJ
gujaf-67	20	20	institutions	institution	NOUN
gujaf-67	20	21	operate	operate	VERB
gujaf-67	20	22	.	.	PUNCT
gujaf-67	21	1	at	at	ADP
gujaf-67	21	2	macroeconomic	macroeconomic	ADJ
gujaf-67	21	3	level	level	NOUN
gujaf-67	21	4	,	,	PUNCT
gujaf-67	21	5	the	the	DET
gujaf-67	21	6	indicators	indicator	NOUN
gujaf-67	21	7	include	include	VERB
gujaf-67	21	8	both	both	DET
gujaf-67	21	9	fsis	fsis	NOUN
gujaf-67	21	10	and	and	CCONJ
gujaf-67	21	11	other	other	ADJ
gujaf-67	21	12	indicators	indicator	NOUN
gujaf-67	21	13	that	that	PRON
gujaf-67	21	14	support	support	VERB
gujaf-67	21	15	the	the	DET
gujaf-67	21	16	assessment	assessment	NOUN
gujaf-67	21	17	and	and	CCONJ
gujaf-67	21	18	monitoring	monitoring	NOUN
gujaf-67	21	19	of	of	ADP
gujaf-67	21	20	the	the	DET
gujaf-67	21	21	strengths	strength	NOUN
gujaf-67	21	22	and	and	CCONJ
gujaf-67	21	23	vulnerabilities	vulnerability	NOUN
gujaf-67	21	24	of	of	ADP
gujaf-67	21	25	financial	financial	ADJ
gujaf-67	21	26	systems	system	NOUN
gujaf-67	21	27	,	,	PUNCT
gujaf-67	21	28	notably	notably	ADV
gujaf-67	21	29	macroeconomic	macroeconomic	ADJ
gujaf-67	21	30	indicators	indicator	NOUN
gujaf-67	21	31	.	.	PUNCT
gujaf-67	22	1	according	accord	VERB
gujaf-67	22	2	to	to	ADP
gujaf-67	22	3	imf	imf	PROPN
gujaf-67	22	4	(	(	PUNCT
gujaf-67	22	5	2006	2006	NUM
gujaf-67	22	6	)	)	PUNCT
gujaf-67	22	7	,	,	PUNCT
gujaf-67	22	8	fsis	fsis	NOUN
gujaf-67	22	9	are	be	AUX
gujaf-67	22	10	classified	classify	VERB
gujaf-67	22	11	into	into	ADP
gujaf-67	22	12	core	core	NOUN
gujaf-67	22	13	and	and	CCONJ
gujaf-67	22	14	encouraged	encouraged	ADJ
gujaf-67	22	15	sets	set	NOUN
gujaf-67	22	16	of	of	ADP
gujaf-67	22	17	financial	financial	ADJ
gujaf-67	22	18	indicators	indicator	NOUN
gujaf-67	22	19	.	.	PUNCT
gujaf-67	23	1	the	the	DET
gujaf-67	23	2	core	core	NOUN
gujaf-67	23	3	set	set	NOUN
gujaf-67	23	4	of	of	ADP
gujaf-67	23	5	the	the	DET
gujaf-67	23	6	indicators	indicator	NOUN
gujaf-67	23	7	comprises	comprise	VERB
gujaf-67	23	8	capital	capital	NOUN
gujaf-67	23	9	adequacy	adequacy	NOUN
gujaf-67	23	10	,	,	PUNCT
gujaf-67	23	11	asset	asset	NOUN
gujaf-67	23	12	quality	quality	NOUN
gujaf-67	23	13	,	,	PUNCT
gujaf-67	23	14	earnings	earning	NOUN
gujaf-67	23	15	and	and	CCONJ
gujaf-67	23	16	profitability	profitability	NOUN
gujaf-67	23	17	,	,	PUNCT
gujaf-67	23	18	liquidity	liquidity	NOUN
gujaf-67	23	19	,	,	PUNCT
gujaf-67	23	20	and	and	CCONJ
gujaf-67	23	21	sensitivity	sensitivity	NOUN
gujaf-67	23	22	to	to	ADP
gujaf-67	23	23	market	market	NOUN
gujaf-67	23	24	risk	risk	NOUN
gujaf-67	23	25	,	,	PUNCT
gujaf-67	23	26	which	which	PRON
gujaf-67	23	27	are	be	AUX
gujaf-67	23	28	based	base	VERB
gujaf-67	23	29	on	on	ADP
gujaf-67	23	30	camels	camel	NOUN
gujaf-67	23	31	financial	financial	ADJ
gujaf-67	23	32	indicators	indicator	NOUN
gujaf-67	23	33	(	(	PUNCT
gujaf-67	23	34	sundararajan	sundararajan	NOUN
gujaf-67	23	35	et	et	PROPN
gujaf-67	23	36	al	al	PROPN
gujaf-67	23	37	.	.	PROPN
gujaf-67	23	38	,	,	PUNCT
gujaf-67	23	39	2002	2002	NUM
gujaf-67	23	40	;	;	PUNCT
gujaf-67	23	41	restoy	restoy	NOUN
gujaf-67	23	42	,	,	PUNCT
gujaf-67	23	43	2017	2017	NUM
gujaf-67	23	44	)	)	PUNCT
gujaf-67	23	45	except	except	SCONJ
gujaf-67	23	46	for	for	ADP
gujaf-67	23	47	the	the	DET
gujaf-67	23	48	exclusion	exclusion	NOUN
gujaf-67	23	49	of	of	ADP
gujaf-67	23	50	management	management	NOUN
gujaf-67	23	51	efficiency	efficiency	NOUN
gujaf-67	23	52	in	in	ADP
gujaf-67	23	53	fsis	fsis	NOUN
gujaf-67	23	54	.	.	PUNCT
gujaf-67	24	1	the	the	DET
gujaf-67	24	2	encouraged	encourage	VERB
gujaf-67	24	3	fsis	fsis	NOUN
gujaf-67	24	4	are	be	AUX
gujaf-67	24	5	financial	financial	ADJ
gujaf-67	24	6	ratios	ratio	NOUN
gujaf-67	24	7	that	that	PRON
gujaf-67	24	8	include	include	VERB
gujaf-67	24	9	geographical	geographical	ADJ
gujaf-67	24	10	distribution	distribution	NOUN
gujaf-67	24	11	of	of	ADP
gujaf-67	24	12	loans	loan	NOUN
gujaf-67	24	13	to	to	ADP
gujaf-67	24	14	total	total	ADJ
gujaf-67	24	15	loans	loan	NOUN
gujaf-67	24	16	,	,	PUNCT
gujaf-67	24	17	gross	gross	ADJ
gujaf-67	24	18	asset	asset	NOUN
gujaf-67	24	19	position	position	NOUN
gujaf-67	24	20	in	in	ADP
gujaf-67	24	21	financial	financial	ADJ
gujaf-67	24	22	derivatives	derivative	NOUN
gujaf-67	24	23	to	to	ADP
gujaf-67	24	24	capital	capital	NOUN
gujaf-67	24	25	,	,	PUNCT
gujaf-67	24	26	gross	gross	ADJ
gujaf-67	24	27	liability	liability	NOUN
gujaf-67	24	28	position	position	NOUN
gujaf-67	24	29	in	in	ADP
gujaf-67	24	30	financial	financial	ADJ
gujaf-67	24	31	derivatives	derivative	NOUN
gujaf-67	24	32	to	to	ADP
gujaf-67	24	33	capital	capital	NOUN
gujaf-67	24	34	,	,	PUNCT
gujaf-67	24	35	trading	trading	NOUN
gujaf-67	24	36	income	income	NOUN
gujaf-67	24	37	to	to	ADP
gujaf-67	24	38	total	total	ADJ
gujaf-67	24	39	income	income	NOUN
gujaf-67	24	40	,	,	PUNCT
gujaf-67	24	41	personnel	personnel	NOUN
gujaf-67	24	42	expenses	expense	NOUN
gujaf-67	24	43	to	to	ADP
gujaf-67	24	44	non	non	ADJ
gujaf-67	24	45	-	-	ADJ
gujaf-67	24	46	interest	interest	ADJ
gujaf-67	24	47	expenses	expense	NOUN
gujaf-67	24	48	,	,	PUNCT
gujaf-67	24	49	spread	spread	VERB
gujaf-67	24	50	between	between	ADP
gujaf-67	24	51	highest	high	ADJ
gujaf-67	24	52	and	and	CCONJ
gujaf-67	24	53	lowest	low	ADJ
gujaf-67	24	54	interbank	interbank	NOUN
gujaf-67	24	55	rate	rate	NOUN
gujaf-67	24	56	,	,	PUNCT
gujaf-67	24	57	and	and	CCONJ
gujaf-67	24	58	customer	customer	NOUN
gujaf-67	24	59	deposits	deposit	NOUN
gujaf-67	24	60	to	to	PART
gujaf-67	24	61	total	total	VERB
gujaf-67	24	62	(	(	PUNCT
gujaf-67	24	63	non	non	ADJ
gujaf-67	24	64	-	-	ADJ
gujaf-67	24	65	interbank	interbank	ADJ
gujaf-67	24	66	)	)	PUNCT
gujaf-67	24	67	loans	loan	NOUN
gujaf-67	24	68	(	(	PUNCT
gujaf-67	24	69	imf	imf	PROPN
gujaf-67	24	70	,	,	PUNCT
gujaf-67	24	71	2006	2006	NUM
gujaf-67	24	72	)	)	PUNCT
gujaf-67	24	73	.	.	PUNCT
gujaf-67	25	1	capital	capital	NOUN
gujaf-67	25	2	adequacy	adequacy	NOUN
gujaf-67	25	3	is	be	AUX
gujaf-67	25	4	one	one	NUM
gujaf-67	25	5	of	of	ADP
gujaf-67	25	6	the	the	DET
gujaf-67	25	7	prominent	prominent	ADJ
gujaf-67	25	8	indicators	indicator	NOUN
gujaf-67	25	9	of	of	ADP
gujaf-67	25	10	the	the	DET
gujaf-67	25	11	financial	financial	ADJ
gujaf-67	25	12	soundness	soundness	NOUN
gujaf-67	25	13	of	of	ADP
gujaf-67	25	14	a	a	DET
gujaf-67	25	15	bank	bank	NOUN
gujaf-67	25	16	.	.	PUNCT
gujaf-67	26	1	it	it	PRON
gujaf-67	26	2	is	be	AUX
gujaf-67	26	3	the	the	DET
gujaf-67	26	4	percentage	percentage	NOUN
gujaf-67	26	5	ratio	ratio	NOUN
gujaf-67	26	6	of	of	ADP
gujaf-67	26	7	a	a	DET
gujaf-67	26	8	financial	financial	ADJ
gujaf-67	26	9	institution	institution	NOUN
gujaf-67	26	10	’s	’s	PART
gujaf-67	26	11	primary	primary	ADJ
gujaf-67	26	12	capital	capital	NOUN
gujaf-67	26	13	to	to	ADP
gujaf-67	26	14	its	its	PRON
gujaf-67	26	15	assets	asset	NOUN
gujaf-67	26	16	that	that	PRON
gujaf-67	26	17	measures	measure	VERB
gujaf-67	26	18	its	its	PRON
gujaf-67	26	19	financial	financial	ADJ
gujaf-67	26	20	strength	strength	NOUN
gujaf-67	26	21	and	and	CCONJ
gujaf-67	26	22	stability	stability	NOUN
gujaf-67	26	23	(	(	PUNCT
gujaf-67	26	24	wapmuk	wapmuk	ADJ
gujaf-67	26	25	,	,	PUNCT
gujaf-67	26	26	2016	2016	NUM
gujaf-67	26	27	)	)	PUNCT
gujaf-67	26	28	.	.	PUNCT
gujaf-67	27	1	it	it	PRON
gujaf-67	27	2	is	be	AUX
gujaf-67	27	3	a	a	DET
gujaf-67	27	4	measure	measure	NOUN
gujaf-67	27	5	of	of	ADP
gujaf-67	27	6	a	a	DET
gujaf-67	27	7	bank	bank	NOUN
gujaf-67	27	8	's	's	PART
gujaf-67	27	9	available	available	ADJ
gujaf-67	27	10	capital	capital	NOUN
gujaf-67	27	11	expressed	express	VERB
gujaf-67	27	12	as	as	ADP
gujaf-67	27	13	a	a	DET
gujaf-67	27	14	percentage	percentage	NOUN
gujaf-67	27	15	of	of	ADP
gujaf-67	27	16	its	its	PRON
gujaf-67	27	17	risk	risk	NOUN
gujaf-67	27	18	-	-	PUNCT
gujaf-67	27	19	weighted	weight	VERB
gujaf-67	27	20	credit	credit	NOUN
gujaf-67	27	21	exposures	exposure	NOUN
gujaf-67	27	22	(	(	PUNCT
gujaf-67	27	23	federal	federal	ADJ
gujaf-67	27	24	deposit	deposit	NOUN
gujaf-67	27	25	insurance	insurance	NOUN
gujaf-67	27	26	corporation	corporation	PROPN
gujaf-67	27	27	fdic	fdic	PROPN
gujaf-67	27	28	,	,	PUNCT
gujaf-67	27	29	2019	2019	NUM
gujaf-67	27	30	)	)	PUNCT
gujaf-67	27	31	.	.	PUNCT
gujaf-67	28	1	it	it	PRON
gujaf-67	28	2	is	be	AUX
gujaf-67	28	3	used	use	VERB
gujaf-67	28	4	to	to	PART
gujaf-67	28	5	protect	protect	VERB
gujaf-67	28	6	depositors	depositor	NOUN
gujaf-67	28	7	and	and	CCONJ
gujaf-67	28	8	promote	promote	VERB
gujaf-67	28	9	the	the	DET
gujaf-67	28	10	stability	stability	NOUN
gujaf-67	28	11	of	of	ADP
gujaf-67	28	12	financial	financial	ADJ
gujaf-67	28	13	systems	system	NOUN
gujaf-67	28	14	.	.	PUNCT
gujaf-67	29	1	asset	asset	NOUN
gujaf-67	29	2	quality	quality	NOUN
gujaf-67	29	3	is	be	AUX
gujaf-67	29	4	critically	critically	ADV
gujaf-67	29	5	considered	consider	VERB
gujaf-67	29	6	in	in	ADP
gujaf-67	29	7	determining	determine	VERB
gujaf-67	29	8	the	the	DET
gujaf-67	29	9	overall	overall	ADJ
gujaf-67	29	10	condition	condition	NOUN
gujaf-67	29	11	of	of	ADP
gujaf-67	29	12	a	a	DET
gujaf-67	29	13	bank	bank	NOUN
gujaf-67	29	14	.	.	PUNCT
gujaf-67	30	1	it	it	PRON
gujaf-67	30	2	is	be	AUX
gujaf-67	30	3	described	describe	VERB
gujaf-67	30	4	as	as	ADP
gujaf-67	30	5	the	the	DET
gujaf-67	30	6	evaluation	evaluation	NOUN
gujaf-67	30	7	of	of	ADP
gujaf-67	30	8	a	a	DET
gujaf-67	30	9	bank	bank	NOUN
gujaf-67	30	10	’s	’s	PART
gujaf-67	30	11	assets	asset	NOUN
gujaf-67	30	12	to	to	PART
gujaf-67	30	13	determine	determine	VERB
gujaf-67	30	14	the	the	DET
gujaf-67	30	15	risk	risk	NOUN
gujaf-67	30	16	associated	associate	VERB
gujaf-67	30	17	with	with	ADP
gujaf-67	30	18	its	its	PRON
gujaf-67	30	19	lending	lending	NOUN
gujaf-67	30	20	activities	activity	NOUN
gujaf-67	30	21	and	and	CCONJ
gujaf-67	30	22	measure	measure	VERB
gujaf-67	30	23	the	the	DET
gujaf-67	30	24	price	price	NOUN
gujaf-67	30	25	at	at	ADP
gujaf-67	30	26	which	which	PRON
gujaf-67	30	27	a	a	DET
gujaf-67	30	28	bank	bank	NOUN
gujaf-67	30	29	or	or	CCONJ
gujaf-67	30	30	other	other	ADJ
gujaf-67	30	31	financial	financial	ADJ
gujaf-67	30	32	institution	institution	NOUN
gujaf-67	30	33	can	can	AUX
gujaf-67	30	34	sell	sell	VERB
gujaf-67	30	35	a	a	DET
gujaf-67	30	36	loan	loan	NOUN
gujaf-67	30	37	(	(	PUNCT
gujaf-67	30	38	fdic	fdic	PROPN
gujaf-67	30	39	,	,	PUNCT
gujaf-67	30	40	2019	2019	NUM
gujaf-67	30	41	)	)	PUNCT
gujaf-67	30	42	.	.	PUNCT
gujaf-67	31	1	it	it	PRON
gujaf-67	31	2	is	be	AUX
gujaf-67	31	3	an	an	DET
gujaf-67	31	4	important	important	ADJ
gujaf-67	31	5	parameter	parameter	NOUN
gujaf-67	31	6	and	and	CCONJ
gujaf-67	31	7	a	a	DET
gujaf-67	31	8	gauge	gauge	NOUN
gujaf-67	31	9	that	that	PRON
gujaf-67	31	10	is	be	AUX
gujaf-67	31	11	used	use	VERB
gujaf-67	31	12	to	to	PART
gujaf-67	31	13	ascertain	ascertain	VERB
gujaf-67	31	14	the	the	DET
gujaf-67	31	15	component	component	NOUN
gujaf-67	31	16	of	of	ADP
gujaf-67	31	17	non	non	ADJ
gujaf-67	31	18	-	-	ADJ
gujaf-67	31	19	performing	perform	VERB
gujaf-67	31	20	assets	asset	NOUN
gujaf-67	31	21	as	as	ADP
gujaf-67	31	22	a	a	DET
gujaf-67	31	23	percentage	percentage	NOUN
gujaf-67	31	24	of	of	ADP
gujaf-67	31	25	the	the	DET
gujaf-67	31	26	total	total	ADJ
gujaf-67	31	27	assets	asset	NOUN
gujaf-67	31	28	(	(	PUNCT
gujaf-67	31	29	habib	habib	PROPN
gujaf-67	31	30	et	et	PROPN
gujaf-67	31	31	al	al	PROPN
gujaf-67	31	32	.	.	PROPN
gujaf-67	31	33	,	,	PUNCT
gujaf-67	31	34	2014	2014	NUM
gujaf-67	31	35	)	)	PUNCT
gujaf-67	31	36	.	.	PUNCT
gujaf-67	32	1	earnings	earning	NOUN
gujaf-67	32	2	represent	represent	VERB
gujaf-67	32	3	the	the	DET
gujaf-67	32	4	prime	prime	ADJ
gujaf-67	32	5	source	source	NOUN
gujaf-67	32	6	of	of	ADP
gujaf-67	32	7	increasing	increase	VERB
gujaf-67	32	8	capital	capital	NOUN
gujaf-67	32	9	of	of	ADP
gujaf-67	32	10	a	a	DET
gujaf-67	32	11	bank	bank	NOUN
gujaf-67	32	12	.	.	PUNCT
gujaf-67	33	1	it	it	PRON
gujaf-67	33	2	constitutes	constitute	VERB
gujaf-67	33	3	the	the	DET
gujaf-67	33	4	profit	profit	NOUN
gujaf-67	33	5	a	a	DET
gujaf-67	33	6	bank	bank	NOUN
gujaf-67	33	7	is	be	AUX
gujaf-67	33	8	able	able	ADJ
gujaf-67	33	9	to	to	PART
gujaf-67	33	10	generate	generate	VERB
gujaf-67	33	11	from	from	ADP
gujaf-67	33	12	its	its	PRON
gujaf-67	33	13	operations	operation	NOUN
gujaf-67	33	14	(	(	PUNCT
gujaf-67	33	15	rai	rai	PROPN
gujaf-67	33	16	,	,	PUNCT
gujaf-67	33	17	2012	2012	NUM
gujaf-67	33	18	)	)	PUNCT
gujaf-67	33	19	and	and	CCONJ
gujaf-67	33	20	serves	serve	VERB
gujaf-67	33	21	as	as	ADP
gujaf-67	33	22	the	the	DET
gujaf-67	33	23	initial	initial	ADJ
gujaf-67	33	24	safeguard	safeguard	NOUN
gujaf-67	33	25	against	against	ADP
gujaf-67	33	26	the	the	DET
gujaf-67	33	27	risks	risk	NOUN
gujaf-67	33	28	of	of	ADP
gujaf-67	33	29	its	its	PRON
gujaf-67	33	30	engagement	engagement	NOUN
gujaf-67	33	31	in	in	ADP
gujaf-67	33	32	business	business	NOUN
gujaf-67	33	33	as	as	ADV
gujaf-67	33	34	well	well	ADV
gujaf-67	33	35	as	as	ADP
gujaf-67	33	36	the	the	DET
gujaf-67	33	37	first	first	ADJ
gujaf-67	33	38	line	line	NOUN
gujaf-67	33	39	of	of	ADP
gujaf-67	33	40	its	its	PRON
gujaf-67	33	41	defence	defence	NOUN
gujaf-67	33	42	against	against	ADP
gujaf-67	33	43	capital	capital	NOUN
gujaf-67	33	44	depletion	depletion	NOUN
gujaf-67	33	45	resulting	result	VERB
gujaf-67	33	46	from	from	ADP
gujaf-67	33	47	shrinkage	shrinkage	NOUN
gujaf-67	33	48	in	in	ADP
gujaf-67	33	49	asset	asset	NOUN
gujaf-67	33	50	value	value	NOUN
gujaf-67	33	51	(	(	PUNCT
gujaf-67	33	52	habib	habib	PROPN
gujaf-67	33	53	et	et	PROPN
gujaf-67	33	54	al	al	PROPN
gujaf-67	33	55	.	.	PROPN
gujaf-67	33	56	,	,	PUNCT
gujaf-67	33	57	2014	2014	NUM
gujaf-67	33	58	)	)	PUNCT
gujaf-67	33	59	.	.	PUNCT
gujaf-67	34	1	strong	strong	ADJ
gujaf-67	34	2	earnings	earning	NOUN
gujaf-67	34	3	and	and	CCONJ
gujaf-67	34	4	profitability	profitability	NOUN
gujaf-67	34	5	profile	profile	NOUN
gujaf-67	34	6	of	of	ADP
gujaf-67	34	7	a	a	DET
gujaf-67	34	8	bank	bank	NOUN
gujaf-67	34	9	reflect	reflect	VERB
gujaf-67	34	10	its	its	PRON
gujaf-67	34	11	ability	ability	NOUN
gujaf-67	34	12	to	to	PART
gujaf-67	34	13	support	support	VERB
gujaf-67	34	14	present	present	ADJ
gujaf-67	34	15	and	and	CCONJ
gujaf-67	34	16	future	future	ADJ
gujaf-67	34	17	operations	operation	NOUN
gujaf-67	34	18	,	,	PUNCT
gujaf-67	34	19	and	and	CCONJ
gujaf-67	34	20	increased	increase	VERB
gujaf-67	34	21	earning	earning	NOUN
gujaf-67	34	22	ensures	ensure	VERB
gujaf-67	34	23	adequate	adequate	ADJ
gujaf-67	34	24	capital	capital	NOUN
gujaf-67	34	25	and	and	CCONJ
gujaf-67	34	26	adequate	adequate	ADJ
gujaf-67	34	27	capital	capital	NOUN
gujaf-67	34	28	can	can	AUX
gujaf-67	34	29	absorb	absorb	VERB
gujaf-67	34	30	all	all	DET
gujaf-67	34	31	losses	loss	NOUN
gujaf-67	34	32	and	and	CCONJ
gujaf-67	34	33	give	give	VERB
gujaf-67	34	34	shareholder	shareholder	NOUN
gujaf-67	34	35	adequate	adequate	ADJ
gujaf-67	34	36	dividends	dividend	NOUN
gujaf-67	34	37	.	.	PUNCT
gujaf-67	35	1	liquidity	liquidity	NOUN
gujaf-67	35	2	represents	represent	VERB
gujaf-67	35	3	a	a	DET
gujaf-67	35	4	bank	bank	NOUN
gujaf-67	35	5	’s	’s	PART
gujaf-67	35	6	ability	ability	NOUN
gujaf-67	35	7	to	to	PART
gujaf-67	35	8	fund	fund	VERB
gujaf-67	35	9	assets	asset	NOUN
gujaf-67	35	10	and	and	CCONJ
gujaf-67	35	11	meet	meet	VERB
gujaf-67	35	12	its	its	PRON
gujaf-67	35	13	financial	financial	ADJ
gujaf-67	35	14	obligations	obligation	NOUN
gujaf-67	35	15	as	as	SCONJ
gujaf-67	35	16	they	they	PRON
gujaf-67	35	17	come	come	VERB
gujaf-67	35	18	due	due	ADJ
gujaf-67	35	19	(	(	PUNCT
gujaf-67	35	20	fdic	fdic	PROPN
gujaf-67	35	21	,	,	PUNCT
gujaf-67	35	22	2019	2019	NUM
gujaf-67	35	23	)	)	PUNCT
gujaf-67	35	24	.	.	PUNCT
gujaf-67	36	1	an	an	DET
gujaf-67	36	2	adequate	adequate	ADJ
gujaf-67	36	3	liquidity	liquidity	NOUN
gujaf-67	36	4	position	position	NOUN
gujaf-67	36	5	refers	refer	VERB
gujaf-67	36	6	to	to	ADP
gujaf-67	36	7	a	a	DET
gujaf-67	36	8	situation	situation	NOUN
gujaf-67	36	9	,	,	PUNCT
gujaf-67	36	10	where	where	SCONJ
gujaf-67	36	11	an	an	DET
gujaf-67	36	12	institution	institution	NOUN
gujaf-67	36	13	can	can	AUX
gujaf-67	36	14	obtain	obtain	VERB
gujaf-67	36	15	sufficient	sufficient	ADJ
gujaf-67	36	16	funds	fund	NOUN
gujaf-67	36	17	,	,	PUNCT
gujaf-67	36	18	either	either	CCONJ
gujaf-67	36	19	by	by	ADP
gujaf-67	36	20	increasing	increase	VERB
gujaf-67	36	21	liabilities	liability	NOUN
gujaf-67	36	22	or	or	CCONJ
gujaf-67	36	23	by	by	ADP
gujaf-67	36	24	converting	convert	VERB
gujaf-67	36	25	its	its	PRON
gujaf-67	36	26	assets	asset	NOUN
gujaf-67	36	27	quickly	quickly	ADV
gujaf-67	36	28	at	at	ADP
gujaf-67	36	29	a	a	DET
gujaf-67	36	30	reasonable	reasonable	ADJ
gujaf-67	36	31	cost	cost	NOUN
gujaf-67	36	32	.	.	PUNCT
gujaf-67	37	1	it	it	PRON
gujaf-67	37	2	is	be	AUX
gujaf-67	37	3	considered	consider	VERB
gujaf-67	37	4	as	as	ADP
gujaf-67	37	5	an	an	DET
gujaf-67	37	6	important	important	ADJ
gujaf-67	37	7	criterion	criterion	NOUN
gujaf-67	37	8	for	for	ADP
gujaf-67	37	9	financial	financial	ADJ
gujaf-67	37	10	soundness	soundness	NOUN
gujaf-67	37	11	in	in	ADP
gujaf-67	37	12	banking	banking	NOUN
gujaf-67	37	13	business	business	NOUN
gujaf-67	37	14	as	as	SCONJ
gujaf-67	37	15	it	it	PRON
gujaf-67	37	16	shows	show	VERB
gujaf-67	37	17	the	the	DET
gujaf-67	37	18	degree	degree	NOUN
gujaf-67	37	19	to	to	PART
gujaf-67	37	20	which	which	PRON
gujaf-67	37	21	a	a	DET
gujaf-67	37	22	bank	bank	NOUN
gujaf-67	37	23	is	be	AUX
gujaf-67	37	24	capable	capable	ADJ
gujaf-67	37	25	of	of	ADP
gujaf-67	37	26	fulfilling	fulfil	VERB
gujaf-67	37	27	its	its	PRON
gujaf-67	37	28	obligations	obligation	NOUN
gujaf-67	37	29	as	as	SCONJ
gujaf-67	37	30	they	they	PRON
gujaf-67	37	31	fall	fall	VERB
gujaf-67	37	32	due	due	ADJ
gujaf-67	37	33	.	.	PUNCT
gujaf-67	38	1	it	it	PRON
gujaf-67	38	2	is	be	AUX
gujaf-67	38	3	assessed	assess	VERB
gujaf-67	38	4	in	in	ADP
gujaf-67	38	5	terms	term	NOUN
gujaf-67	38	6	of	of	ADP
gujaf-67	38	7	assets	asset	NOUN
gujaf-67	38	8	and	and	CCONJ
gujaf-67	38	9	liability	liability	NOUN
gujaf-67	38	10	management	management	NOUN
gujaf-67	38	11	(	(	PUNCT
gujaf-67	38	12	demyanyk	demyanyk	PROPN
gujaf-67	38	13	&	&	CCONJ
gujaf-67	38	14	iftekhar	iftekhar	NOUN
gujaf-67	38	15	,	,	PUNCT
gujaf-67	38	16	2009	2009	NUM
gujaf-67	38	17	;	;	PUNCT
gujaf-67	38	18	idris	idris	PROPN
gujaf-67	38	19	,	,	PUNCT
gujaf-67	38	20	2010	2010	NUM
gujaf-67	38	21	)	)	PUNCT
gujaf-67	38	22	.	.	PUNCT
gujaf-67	39	1	sensitivity	sensitivity	NOUN
gujaf-67	39	2	to	to	ADP
gujaf-67	39	3	market	market	NOUN
gujaf-67	39	4	risk	risk	NOUN
gujaf-67	39	5	is	be	AUX
gujaf-67	39	6	directly	directly	ADV
gujaf-67	39	7	related	relate	VERB
gujaf-67	39	8	to	to	ADP
gujaf-67	39	9	unpredicted	unpredicted	ADJ
gujaf-67	39	10	fluctuations	fluctuation	NOUN
gujaf-67	39	11	in	in	ADP
gujaf-67	39	12	market	market	NOUN
gujaf-67	39	13	prices	price	NOUN
gujaf-67	39	14	and	and	CCONJ
gujaf-67	39	15	closely	closely	ADV
gujaf-67	39	16	associated	associate	VERB
gujaf-67	39	17	with	with	ADP
gujaf-67	39	18	asset	asset	NOUN
gujaf-67	39	19	and	and	CCONJ
gujaf-67	39	20	liability	liability	NOUN
gujaf-67	39	21	management	management	NOUN
gujaf-67	39	22	(	(	PUNCT
gujaf-67	39	23	abdallah	abdallah	PROPN
gujaf-67	39	24	,	,	PUNCT
gujaf-67	39	25	2013	2013	NUM
gujaf-67	39	26	)	)	PUNCT
gujaf-67	39	27	.	.	PUNCT
gujaf-67	40	1	fdic	fdic	PROPN
gujaf-67	40	2	(	(	PUNCT
gujaf-67	40	3	2019	2019	NUM
gujaf-67	40	4	)	)	PUNCT
gujaf-67	40	5	defined	define	VERB
gujaf-67	40	6	it	it	PRON
gujaf-67	40	7	as	as	ADP
gujaf-67	40	8	the	the	DET
gujaf-67	40	9	extent	extent	NOUN
gujaf-67	40	10	to	to	PART
gujaf-67	40	11	which	which	PRON
gujaf-67	40	12	changes	change	NOUN
gujaf-67	40	13	in	in	ADP
gujaf-67	40	14	interest	interest	NOUN
gujaf-67	40	15	rates	rate	NOUN
gujaf-67	40	16	,	,	PUNCT
gujaf-67	40	17	foreign	foreign	ADJ
gujaf-67	40	18	exchange	exchange	NOUN
gujaf-67	40	19	rates	rate	NOUN
gujaf-67	40	20	,	,	PUNCT
gujaf-67	40	21	commodity	commodity	NOUN
gujaf-67	40	22	prices	price	NOUN
gujaf-67	40	23	,	,	PUNCT
gujaf-67	40	24	or	or	CCONJ
gujaf-67	40	25	equity	equity	NOUN
gujaf-67	40	26	prices	price	NOUN
gujaf-67	40	27	could	could	AUX
gujaf-67	40	28	negatively	negatively	ADV
gujaf-67	40	29	affect	affect	VERB
gujaf-67	40	30	the	the	DET
gujaf-67	40	31	earnings	earning	NOUN
gujaf-67	40	32	or	or	CCONJ
gujaf-67	40	33	capital	capital	NOUN
gujaf-67	40	34	of	of	ADP
gujaf-67	40	35	a	a	DET
gujaf-67	40	36	financial	financial	ADJ
gujaf-67	40	37	institution	institution	NOUN
gujaf-67	40	38	.	.	PUNCT
gujaf-67	41	1	it	it	PRON
gujaf-67	41	2	focuses	focus	VERB
gujaf-67	41	3	gusau	gusau	ADJ
gujaf-67	41	4	journal	journal	NOUN
gujaf-67	41	5	of	of	ADP
gujaf-67	41	6	accounting	accounting	NOUN
gujaf-67	41	7	and	and	CCONJ
gujaf-67	41	8	finance	finance	NOUN
gujaf-67	41	9	,	,	PUNCT
gujaf-67	41	10	vol	vol	NOUN
gujaf-67	41	11	.	.	PROPN
gujaf-67	41	12	2	2	NUM
gujaf-67	41	13	,	,	PUNCT
gujaf-67	41	14	issue	issue	NOUN
gujaf-67	41	15	2	2	NUM
gujaf-67	41	16	,	,	PUNCT
gujaf-67	41	17	april	april	PROPN
gujaf-67	41	18	,	,	PUNCT
gujaf-67	41	19	2021	2021	NUM
gujaf-67	41	20	4	4	NUM
gujaf-67	41	21	mainly	mainly	ADV
gujaf-67	41	22	on	on	ADP
gujaf-67	41	23	the	the	DET
gujaf-67	41	24	ability	ability	NOUN
gujaf-67	41	25	of	of	ADP
gujaf-67	41	26	a	a	DET
gujaf-67	41	27	bank	bank	NOUN
gujaf-67	41	28	to	to	PART
gujaf-67	41	29	recognise	recognise	VERB
gujaf-67	41	30	,	,	PUNCT
gujaf-67	41	31	monitor	monitor	NOUN
gujaf-67	41	32	,	,	PUNCT
gujaf-67	41	33	manage	manage	VERB
gujaf-67	41	34	and	and	CCONJ
gujaf-67	41	35	control	control	VERB
gujaf-67	41	36	the	the	DET
gujaf-67	41	37	market	market	NOUN
gujaf-67	41	38	risk	risk	NOUN
gujaf-67	41	39	and	and	CCONJ
gujaf-67	41	40	give	give	VERB
gujaf-67	41	41	indication	indication	NOUN
gujaf-67	41	42	to	to	ADP
gujaf-67	41	43	management	management	NOUN
gujaf-67	41	44	for	for	ADP
gujaf-67	41	45	the	the	DET
gujaf-67	41	46	supervision	supervision	NOUN
gujaf-67	41	47	in	in	ADP
gujaf-67	41	48	the	the	DET
gujaf-67	41	49	problematic	problematic	ADJ
gujaf-67	41	50	area	area	NOUN
gujaf-67	41	51	.	.	PUNCT
gujaf-67	42	1	one	one	NUM
gujaf-67	42	2	of	of	ADP
gujaf-67	42	3	the	the	DET
gujaf-67	42	4	expectations	expectation	NOUN
gujaf-67	42	5	regarding	regard	VERB
gujaf-67	42	6	fsis	fsis	NOUN
gujaf-67	42	7	is	be	AUX
gujaf-67	42	8	that	that	SCONJ
gujaf-67	42	9	once	once	ADV
gujaf-67	42	10	properly	properly	ADV
gujaf-67	42	11	managed	manage	VERB
gujaf-67	42	12	by	by	ADP
gujaf-67	42	13	banks	bank	NOUN
gujaf-67	42	14	and	and	CCONJ
gujaf-67	42	15	monitored	monitor	VERB
gujaf-67	42	16	by	by	ADP
gujaf-67	42	17	regulators	regulator	NOUN
gujaf-67	42	18	,	,	PUNCT
gujaf-67	42	19	the	the	DET
gujaf-67	42	20	banking	banking	NOUN
gujaf-67	42	21	system	system	NOUN
gujaf-67	42	22	will	will	AUX
gujaf-67	42	23	be	be	AUX
gujaf-67	42	24	sound	sound	ADJ
gujaf-67	42	25	,	,	PUNCT
gujaf-67	42	26	safe	safe	ADJ
gujaf-67	42	27	and	and	CCONJ
gujaf-67	42	28	more	more	ADV
gujaf-67	42	29	efficient	efficient	ADJ
gujaf-67	42	30	(	(	PUNCT
gujaf-67	42	31	wapmuk	wapmuk	ADJ
gujaf-67	42	32	,	,	PUNCT
gujaf-67	42	33	2016	2016	NUM
gujaf-67	42	34	)	)	PUNCT
gujaf-67	42	35	.	.	PUNCT
gujaf-67	43	1	efficiency	efficiency	NOUN
gujaf-67	43	2	is	be	AUX
gujaf-67	43	3	described	describe	VERB
gujaf-67	43	4	as	as	ADP
gujaf-67	43	5	a	a	DET
gujaf-67	43	6	performance	performance	NOUN
gujaf-67	43	7	level	level	NOUN
gujaf-67	43	8	that	that	PRON
gujaf-67	43	9	explains	explain	VERB
gujaf-67	43	10	a	a	DET
gujaf-67	43	11	process	process	NOUN
gujaf-67	43	12	that	that	PRON
gujaf-67	43	13	uses	use	VERB
gujaf-67	43	14	the	the	DET
gujaf-67	43	15	lowest	low	ADJ
gujaf-67	43	16	amount	amount	NOUN
gujaf-67	43	17	of	of	ADP
gujaf-67	43	18	inputs	input	NOUN
gujaf-67	43	19	to	to	PART
gujaf-67	43	20	create	create	VERB
gujaf-67	43	21	the	the	DET
gujaf-67	43	22	greatest	great	ADJ
gujaf-67	43	23	amount	amount	NOUN
gujaf-67	43	24	of	of	ADP
gujaf-67	43	25	outputs	output	NOUN
gujaf-67	43	26	.	.	PUNCT
gujaf-67	44	1	in	in	ADP
gujaf-67	44	2	banking	banking	NOUN
gujaf-67	44	3	,	,	PUNCT
gujaf-67	44	4	it	it	PRON
gujaf-67	44	5	reflects	reflect	VERB
gujaf-67	44	6	a	a	DET
gujaf-67	44	7	sound	sound	ADJ
gujaf-67	44	8	intermediation	intermediation	NOUN
gujaf-67	44	9	process	process	NOUN
gujaf-67	44	10	that	that	PRON
gujaf-67	44	11	makes	make	VERB
gujaf-67	44	12	banks	bank	NOUN
gujaf-67	44	13	contribute	contribute	VERB
gujaf-67	44	14	to	to	ADP
gujaf-67	44	15	economic	economic	ADJ
gujaf-67	44	16	growth	growth	NOUN
gujaf-67	44	17	(	(	PUNCT
gujaf-67	44	18	shaddady	shaddady	NOUN
gujaf-67	44	19	,	,	PUNCT
gujaf-67	44	20	2017	2017	NUM
gujaf-67	44	21	)	)	PUNCT
gujaf-67	44	22	.	.	PUNCT
gujaf-67	45	1	the	the	DET
gujaf-67	45	2	degree	degree	NOUN
gujaf-67	45	3	of	of	ADP
gujaf-67	45	4	efficiency	efficiency	NOUN
gujaf-67	45	5	of	of	ADP
gujaf-67	45	6	banks	bank	NOUN
gujaf-67	45	7	is	be	AUX
gujaf-67	45	8	key	key	ADJ
gujaf-67	45	9	to	to	ADP
gujaf-67	45	10	the	the	DET
gujaf-67	45	11	stability	stability	NOUN
gujaf-67	45	12	of	of	ADP
gujaf-67	45	13	the	the	DET
gujaf-67	45	14	financial	financial	ADJ
gujaf-67	45	15	system	system	NOUN
gujaf-67	45	16	of	of	ADP
gujaf-67	45	17	any	any	DET
gujaf-67	45	18	economy	economy	NOUN
gujaf-67	45	19	.	.	PUNCT
gujaf-67	46	1	there	there	PRON
gujaf-67	46	2	has	have	AUX
gujaf-67	46	3	been	be	AUX
gujaf-67	46	4	an	an	DET
gujaf-67	46	5	increasing	increase	VERB
gujaf-67	46	6	scholarly	scholarly	ADJ
gujaf-67	46	7	debate	debate	NOUN
gujaf-67	46	8	on	on	ADP
gujaf-67	46	9	the	the	DET
gujaf-67	46	10	factors	factor	NOUN
gujaf-67	46	11	that	that	PRON
gujaf-67	46	12	affect	affect	VERB
gujaf-67	46	13	bank	bank	NOUN
gujaf-67	46	14	efficiency	efficiency	NOUN
gujaf-67	46	15	.	.	PUNCT
gujaf-67	47	1	some	some	DET
gujaf-67	47	2	scholars	scholar	NOUN
gujaf-67	47	3	have	have	AUX
gujaf-67	47	4	argued	argue	VERB
gujaf-67	47	5	that	that	SCONJ
gujaf-67	47	6	efficiency	efficiency	NOUN
gujaf-67	47	7	is	be	AUX
gujaf-67	47	8	enhanced	enhance	VERB
gujaf-67	47	9	by	by	ADP
gujaf-67	47	10	mainly	mainly	ADV
gujaf-67	47	11	improvements	improvement	NOUN
gujaf-67	47	12	in	in	ADP
gujaf-67	47	13	the	the	DET
gujaf-67	47	14	strategic	strategic	ADJ
gujaf-67	47	15	internal	internal	ADJ
gujaf-67	47	16	resources	resource	NOUN
gujaf-67	47	17	of	of	ADP
gujaf-67	47	18	a	a	DET
gujaf-67	47	19	bank	bank	NOUN
gujaf-67	47	20	such	such	ADJ
gujaf-67	47	21	as	as	ADP
gujaf-67	47	22	firm	firm	ADJ
gujaf-67	47	23	specific	specific	ADJ
gujaf-67	47	24	attributes	attribute	NOUN
gujaf-67	47	25	.	.	PUNCT
gujaf-67	48	1	other	other	ADJ
gujaf-67	48	2	scholars	scholar	NOUN
gujaf-67	48	3	argued	argue	VERB
gujaf-67	48	4	that	that	SCONJ
gujaf-67	48	5	industry	industry	NOUN
gujaf-67	48	6	wide	wide	ADJ
gujaf-67	48	7	factors	factor	NOUN
gujaf-67	48	8	and	and	CCONJ
gujaf-67	48	9	macroeconomic	macroeconomic	ADJ
gujaf-67	48	10	variables	variable	NOUN
gujaf-67	48	11	are	be	AUX
gujaf-67	48	12	integral	integral	ADJ
gujaf-67	48	13	to	to	ADP
gujaf-67	48	14	bank	bank	NOUN
gujaf-67	48	15	efficiency	efficiency	NOUN
gujaf-67	48	16	.	.	PUNCT
gujaf-67	49	1	notwithstanding	notwithstanding	ADP
gujaf-67	49	2	the	the	DET
gujaf-67	49	3	divergent	divergent	ADJ
gujaf-67	49	4	opinion	opinion	NOUN
gujaf-67	49	5	,	,	PUNCT
gujaf-67	49	6	a	a	DET
gujaf-67	49	7	number	number	NOUN
gujaf-67	49	8	of	of	ADP
gujaf-67	49	9	strategic	strategic	ADJ
gujaf-67	49	10	firm	firm	ADJ
gujaf-67	49	11	internal	internal	ADJ
gujaf-67	49	12	resources	resource	NOUN
gujaf-67	49	13	and	and	CCONJ
gujaf-67	49	14	key	key	ADJ
gujaf-67	49	15	financial	financial	ADJ
gujaf-67	49	16	indicators	indicator	NOUN
gujaf-67	49	17	have	have	AUX
gujaf-67	49	18	been	be	AUX
gujaf-67	49	19	widely	widely	ADV
gujaf-67	49	20	acknowledged	acknowledge	VERB
gujaf-67	49	21	as	as	ADP
gujaf-67	49	22	factors	factor	NOUN
gujaf-67	49	23	that	that	PRON
gujaf-67	49	24	affect	affect	VERB
gujaf-67	49	25	the	the	DET
gujaf-67	49	26	efficiency	efficiency	NOUN
gujaf-67	49	27	of	of	ADP
gujaf-67	49	28	banks	bank	NOUN
gujaf-67	49	29	(	(	PUNCT
gujaf-67	49	30	ehimare	ehimare	NOUN
gujaf-67	49	31	,	,	PUNCT
gujaf-67	49	32	2013	2013	NUM
gujaf-67	49	33	)	)	PUNCT
gujaf-67	49	34	.	.	PUNCT
gujaf-67	50	1	extant	extant	ADJ
gujaf-67	50	2	literature	literature	NOUN
gujaf-67	50	3	has	have	AUX
gujaf-67	50	4	documented	document	VERB
gujaf-67	50	5	different	different	ADJ
gujaf-67	50	6	methods	method	NOUN
gujaf-67	50	7	of	of	ADP
gujaf-67	50	8	and	and	CCONJ
gujaf-67	50	9	approaches	approach	NOUN
gujaf-67	50	10	to	to	ADP
gujaf-67	50	11	measuring	measure	VERB
gujaf-67	50	12	the	the	DET
gujaf-67	50	13	efficiency	efficiency	NOUN
gujaf-67	50	14	of	of	ADP
gujaf-67	50	15	banks	bank	NOUN
gujaf-67	50	16	.	.	PUNCT
gujaf-67	51	1	one	one	NUM
gujaf-67	51	2	of	of	ADP
gujaf-67	51	3	such	such	ADJ
gujaf-67	51	4	approaches	approach	NOUN
gujaf-67	51	5	is	be	AUX
gujaf-67	51	6	the	the	DET
gujaf-67	51	7	frontier	frontier	NOUN
gujaf-67	51	8	analysis	analysis	NOUN
gujaf-67	51	9	method	method	NOUN
gujaf-67	51	10	,	,	PUNCT
gujaf-67	51	11	which	which	PRON
gujaf-67	51	12	involves	involve	VERB
gujaf-67	51	13	separating	separate	VERB
gujaf-67	51	14	banks	bank	NOUN
gujaf-67	51	15	that	that	PRON
gujaf-67	51	16	perform	perform	VERB
gujaf-67	51	17	better	well	ADV
gujaf-67	51	18	,	,	PUNCT
gujaf-67	51	19	in	in	ADP
gujaf-67	51	20	relation	relation	NOUN
gujaf-67	51	21	to	to	ADP
gujaf-67	51	22	a	a	DET
gujaf-67	51	23	specificbenchmark	specificbenchmark	NOUN
gujaf-67	51	24	,	,	PUNCT
gujaf-67	51	25	from	from	ADP
gujaf-67	51	26	those	those	PRON
gujaf-67	51	27	that	that	PRON
gujaf-67	51	28	perform	perform	VERB
gujaf-67	51	29	poorly	poorly	ADV
gujaf-67	51	30	by	by	ADP
gujaf-67	51	31	applying	apply	VERB
gujaf-67	51	32	either	either	CCONJ
gujaf-67	51	33	a	a	DET
gujaf-67	51	34	parametric	parametric	ADJ
gujaf-67	51	35	or	or	CCONJ
gujaf-67	51	36	non	non	ADJ
gujaf-67	51	37	-	-	ADJ
gujaf-67	51	38	parametric	parametric	ADJ
gujaf-67	51	39	frontier	frontier	NOUN
gujaf-67	51	40	analysis	analysis	NOUN
gujaf-67	51	41	to	to	ADP
gujaf-67	51	42	the	the	DET
gujaf-67	51	43	banks	bank	NOUN
gujaf-67	51	44	.	.	PUNCT
gujaf-67	52	1	apart	apart	ADV
gujaf-67	52	2	from	from	ADP
gujaf-67	52	3	frontier	frontier	NOUN
gujaf-67	52	4	analysis	analysis	NOUN
gujaf-67	52	5	method	method	NOUN
gujaf-67	52	6	,	,	PUNCT
gujaf-67	52	7	use	use	NOUN
gujaf-67	52	8	of	of	ADP
gujaf-67	52	9	accounting	accounting	NOUN
gujaf-67	52	10	ratios	ratio	NOUN
gujaf-67	52	11	and	and	CCONJ
gujaf-67	52	12	financial	financial	ADJ
gujaf-67	52	13	indicators	indicator	NOUN
gujaf-67	52	14	such	such	ADJ
gujaf-67	52	15	as	as	ADP
gujaf-67	52	16	risk	risk	NOUN
gujaf-67	52	17	rating	rating	NOUN
gujaf-67	52	18	,	,	PUNCT
gujaf-67	52	19	banking	banking	NOUN
gujaf-67	52	20	productivity	productivity	NOUN
gujaf-67	52	21	per	per	ADP
gujaf-67	52	22	employee	employee	NOUN
gujaf-67	52	23	hour	hour	NOUN
gujaf-67	52	24	and	and	CCONJ
gujaf-67	52	25	interest	interest	NOUN
gujaf-67	52	26	margins	margin	NOUN
gujaf-67	52	27	has	have	AUX
gujaf-67	52	28	also	also	ADV
gujaf-67	52	29	been	be	AUX
gujaf-67	52	30	widely	widely	ADV
gujaf-67	52	31	documented	document	VERB
gujaf-67	52	32	(	(	PUNCT
gujaf-67	52	33	ehimare	ehimare	NOUN
gujaf-67	52	34	,	,	PUNCT
gujaf-67	52	35	2013	2013	NUM
gujaf-67	52	36	)	)	PUNCT
gujaf-67	52	37	.	.	PUNCT
gujaf-67	53	1	of	of	ADP
gujaf-67	53	2	the	the	DET
gujaf-67	53	3	accounting	accounting	NOUN
gujaf-67	53	4	measures	measure	NOUN
gujaf-67	53	5	that	that	PRON
gujaf-67	53	6	have	have	AUX
gujaf-67	53	7	been	be	AUX
gujaf-67	53	8	popularly	popularly	ADV
gujaf-67	53	9	used	use	VERB
gujaf-67	53	10	to	to	PART
gujaf-67	53	11	represent	represent	VERB
gujaf-67	53	12	efficiency	efficiency	NOUN
gujaf-67	53	13	in	in	ADP
gujaf-67	53	14	previous	previous	ADJ
gujaf-67	53	15	determinants	determinant	NOUN
gujaf-67	53	16	studies	study	NOUN
gujaf-67	53	17	,	,	PUNCT
gujaf-67	53	18	efficiency	efficiency	NOUN
gujaf-67	53	19	ratio	ratio	NOUN
gujaf-67	53	20	(	(	PUNCT
gujaf-67	53	21	er	er	INTJ
gujaf-67	53	22	)	)	PUNCT
gujaf-67	53	23	stands	stand	VERB
gujaf-67	53	24	unique	unique	ADJ
gujaf-67	53	25	.	.	PUNCT
gujaf-67	54	1	as	as	ADP
gujaf-67	54	2	a	a	DET
gujaf-67	54	3	financial	financial	ADJ
gujaf-67	54	4	ratio	ratio	NOUN
gujaf-67	54	5	,	,	PUNCT
gujaf-67	54	6	er	er	INTJ
gujaf-67	54	7	measures	measure	VERB
gujaf-67	54	8	the	the	DET
gujaf-67	54	9	level	level	NOUN
gujaf-67	54	10	of	of	ADP
gujaf-67	54	11	a	a	DET
gujaf-67	54	12	bank	bank	NOUN
gujaf-67	54	13	’s	’s	PART
gujaf-67	54	14	non	non	ADJ
gujaf-67	54	15	-	-	ADJ
gujaf-67	54	16	interest	interest	ADJ
gujaf-67	54	17	expenses	expense	NOUN
gujaf-67	54	18	also	also	ADV
gujaf-67	54	19	called	call	VERB
gujaf-67	54	20	overhead	overhead	ADJ
gujaf-67	54	21	expenses	expense	NOUN
gujaf-67	54	22	that	that	PRON
gujaf-67	54	23	is	be	AUX
gujaf-67	54	24	needed	need	VERB
gujaf-67	54	25	to	to	PART
gujaf-67	54	26	support	support	VERB
gujaf-67	54	27	both	both	DET
gujaf-67	54	28	interest	interest	NOUN
gujaf-67	54	29	income	income	NOUN
gujaf-67	54	30	and	and	CCONJ
gujaf-67	54	31	non	non	ADJ
gujaf-67	54	32	-	-	ADJ
gujaf-67	54	33	interest	interest	ADJ
gujaf-67	54	34	or	or	CCONJ
gujaf-67	54	35	fee	fee	NOUN
gujaf-67	54	36	income	income	NOUN
gujaf-67	54	37	.	.	PUNCT
gujaf-67	55	1	it	it	PRON
gujaf-67	55	2	is	be	AUX
gujaf-67	55	3	generally	generally	ADV
gujaf-67	55	4	viewed	view	VERB
gujaf-67	55	5	as	as	ADP
gujaf-67	55	6	a	a	DET
gujaf-67	55	7	popular	popular	ADJ
gujaf-67	55	8	ratio	ratio	NOUN
gujaf-67	55	9	for	for	ADP
gujaf-67	55	10	evaluating	evaluate	VERB
gujaf-67	55	11	the	the	DET
gujaf-67	55	12	performance	performance	NOUN
gujaf-67	55	13	of	of	ADP
gujaf-67	55	14	banks	bank	NOUN
gujaf-67	55	15	partly	partly	ADV
gujaf-67	55	16	because	because	SCONJ
gujaf-67	55	17	it	it	PRON
gujaf-67	55	18	reflects	reflect	VERB
gujaf-67	55	19	both	both	CCONJ
gujaf-67	55	20	on	on	ADP
gujaf-67	55	21	and	and	CCONJ
gujaf-67	55	22	off	off	ADP
gujaf-67	55	23	balance	balance	NOUN
gujaf-67	55	24	sheet	sheet	NOUN
gujaf-67	55	25	activities	activity	NOUN
gujaf-67	55	26	(	(	PUNCT
gujaf-67	55	27	shaddady	shaddady	NOUN
gujaf-67	55	28	,	,	PUNCT
gujaf-67	55	29	2017	2017	NUM
gujaf-67	55	30	)	)	PUNCT
gujaf-67	55	31	.	.	PUNCT
gujaf-67	56	1	as	as	ADP
gujaf-67	56	2	a	a	DET
gujaf-67	56	3	general	general	ADJ
gujaf-67	56	4	rule	rule	NOUN
gujaf-67	56	5	,	,	PUNCT
gujaf-67	56	6	a	a	DET
gujaf-67	56	7	lower	low	ADJ
gujaf-67	56	8	er	er	INTJ
gujaf-67	56	9	for	for	ADP
gujaf-67	56	10	a	a	DET
gujaf-67	56	11	bank	bank	NOUN
gujaf-67	56	12	is	be	AUX
gujaf-67	56	13	better	well	ADJ
gujaf-67	56	14	and	and	CCONJ
gujaf-67	56	15	therefore	therefore	ADV
gujaf-67	56	16	preferred	prefer	VERB
gujaf-67	56	17	to	to	ADP
gujaf-67	56	18	a	a	DET
gujaf-67	56	19	high	high	ADJ
gujaf-67	56	20	ratio	ratio	NOUN
gujaf-67	56	21	.	.	PUNCT
gujaf-67	57	1	with	with	ADP
gujaf-67	57	2	increasing	increase	VERB
gujaf-67	57	3	emphasis	emphasis	NOUN
gujaf-67	57	4	on	on	ADP
gujaf-67	57	5	reform	reform	NOUN
gujaf-67	57	6	of	of	ADP
gujaf-67	57	7	thenigerian	thenigerian	ADJ
gujaf-67	57	8	banking	banking	NOUN
gujaf-67	57	9	industry	industry	NOUN
gujaf-67	57	10	since	since	SCONJ
gujaf-67	57	11	the	the	DET
gujaf-67	57	12	global	global	ADJ
gujaf-67	57	13	financial	financial	ADJ
gujaf-67	57	14	crisis	crisis	NOUN
gujaf-67	57	15	of	of	ADP
gujaf-67	57	16	2007	2007	NUM
gujaf-67	57	17	,	,	PUNCT
gujaf-67	57	18	it	it	PRON
gujaf-67	57	19	is	be	AUX
gujaf-67	57	20	important	important	ADJ
gujaf-67	57	21	toexamine	toexamine	NOUN
gujaf-67	57	22	the	the	DET
gujaf-67	57	23	influence	influence	NOUN
gujaf-67	57	24	of	of	ADP
gujaf-67	57	25	fsis	fsis	NOUN
gujaf-67	57	26	on	on	ADP
gujaf-67	57	27	efficiency	efficiency	NOUN
gujaf-67	57	28	of	of	ADP
gujaf-67	57	29	banks	bank	NOUN
gujaf-67	57	30	in	in	ADP
gujaf-67	57	31	the	the	DET
gujaf-67	57	32	country	country	NOUN
gujaf-67	57	33	.	.	PUNCT
gujaf-67	58	1	this	this	DET
gujaf-67	58	2	paper	paper	NOUN
gujaf-67	58	3	therefore	therefore	ADV
gujaf-67	58	4	assesses	assess	VERB
gujaf-67	58	5	the	the	DET
gujaf-67	58	6	effect	effect	NOUN
gujaf-67	58	7	of	of	ADP
gujaf-67	58	8	fsis	fsis	NOUN
gujaf-67	58	9	on	on	ADP
gujaf-67	58	10	efficiency	efficiency	NOUN
gujaf-67	58	11	of	of	ADP
gujaf-67	58	12	dmbs	dmb	NOUN
gujaf-67	58	13	in	in	ADP
gujaf-67	58	14	nigeria	nigeria	PROPN
gujaf-67	58	15	for	for	ADP
gujaf-67	58	16	the	the	DET
gujaf-67	58	17	period	period	NOUN
gujaf-67	58	18	2010	2010	NUM
gujaf-67	58	19	-	-	SYM
gujaf-67	58	20	2018	2018	NUM
gujaf-67	58	21	.	.	PUNCT
gujaf-67	59	1	it	it	PRON
gujaf-67	59	2	hypothesises	hypothesise	VERB
gujaf-67	59	3	that	that	DET
gujaf-67	59	4	fsis	fsis	NOUN
gujaf-67	59	5	do	do	AUX
gujaf-67	59	6	not	not	PART
gujaf-67	59	7	have	have	VERB
gujaf-67	59	8	significant	significant	ADJ
gujaf-67	59	9	effect	effect	NOUN
gujaf-67	59	10	on	on	ADP
gujaf-67	59	11	the	the	DET
gujaf-67	59	12	efficiency	efficiency	NOUN
gujaf-67	59	13	of	of	ADP
gujaf-67	59	14	dmbs	dmb	NOUN
gujaf-67	59	15	in	in	ADP
gujaf-67	59	16	the	the	DET
gujaf-67	59	17	country	country	NOUN
gujaf-67	59	18	.	.	PUNCT
gujaf-67	60	1	the	the	DET
gujaf-67	60	2	paper	paper	NOUN
gujaf-67	60	3	organises	organise	VERB
gujaf-67	60	4	its	its	PRON
gujaf-67	60	5	contents	content	NOUN
gujaf-67	60	6	in	in	ADP
gujaf-67	60	7	five	five	NUM
gujaf-67	60	8	(	(	PUNCT
gujaf-67	60	9	5	5	NUM
gujaf-67	60	10	)	)	PUNCT
gujaf-67	60	11	sections	section	NOUN
gujaf-67	60	12	.	.	PUNCT
gujaf-67	61	1	section	section	NOUN
gujaf-67	61	2	2	2	NUM
gujaf-67	61	3	reviews	review	NOUN
gujaf-67	61	4	empirical	empirical	ADJ
gujaf-67	61	5	literature	literature	NOUN
gujaf-67	61	6	on	on	ADP
gujaf-67	61	7	fsis	fsis	NOUN
gujaf-67	61	8	and	and	CCONJ
gujaf-67	61	9	bank	bank	NOUN
gujaf-67	61	10	efficiency	efficiency	NOUN
gujaf-67	61	11	.	.	PUNCT
gujaf-67	62	1	section	section	NOUN
gujaf-67	62	2	3	3	NUM
gujaf-67	62	3	explains	explain	VERB
gujaf-67	62	4	the	the	DET
gujaf-67	62	5	dataset	dataset	NOUN
gujaf-67	62	6	and	and	CCONJ
gujaf-67	62	7	techniques	technique	NOUN
gujaf-67	62	8	of	of	ADP
gujaf-67	62	9	data	datum	NOUN
gujaf-67	62	10	analysis	analysis	NOUN
gujaf-67	62	11	.	.	PUNCT
gujaf-67	63	1	section	section	NOUN
gujaf-67	63	2	4	4	NUM
gujaf-67	63	3	analyses	analyse	VERB
gujaf-67	63	4	the	the	DET
gujaf-67	63	5	regression	regression	NOUN
gujaf-67	63	6	results	result	NOUN
gujaf-67	63	7	.	.	PUNCT
gujaf-67	64	1	section	section	NOUN
gujaf-67	64	2	5	5	NUM
gujaf-67	64	3	concludes	conclude	VERB
gujaf-67	64	4	the	the	DET
gujaf-67	64	5	paper	paper	NOUN
gujaf-67	64	6	and	and	CCONJ
gujaf-67	64	7	offers	offer	VERB
gujaf-67	64	8	some	some	DET
gujaf-67	64	9	suggestions	suggestion	NOUN
gujaf-67	64	10	.	.	PUNCT
gujaf-67	65	1	2	2	X
gujaf-67	65	2	.	.	X
gujaf-67	65	3	review	review	NOUN
gujaf-67	65	4	of	of	ADP
gujaf-67	65	5	empirical	empirical	ADJ
gujaf-67	65	6	studies	study	NOUN
gujaf-67	65	7	babihuga	babihuga	NOUN
gujaf-67	65	8	(	(	PUNCT
gujaf-67	65	9	2007	2007	NUM
gujaf-67	65	10	)	)	PUNCT
gujaf-67	65	11	examined	examine	VERB
gujaf-67	65	12	the	the	DET
gujaf-67	65	13	relationship	relationship	NOUN
gujaf-67	65	14	between	between	ADP
gujaf-67	65	15	some	some	DET
gujaf-67	65	16	selected	select	VERB
gujaf-67	65	17	macroeconomic	macroeconomic	ADJ
gujaf-67	65	18	variables	variable	NOUN
gujaf-67	65	19	and	and	CCONJ
gujaf-67	65	20	fsis	fsis	NOUN
gujaf-67	65	21	using	use	VERB
gujaf-67	65	22	panel	panel	NOUN
gujaf-67	65	23	dataset	dataset	VERB
gujaf-67	65	24	of	of	ADP
gujaf-67	65	25	fsis	fsis	NOUN
gujaf-67	65	26	for	for	ADP
gujaf-67	65	27	96	96	NUM
gujaf-67	65	28	countries	country	NOUN
gujaf-67	65	29	for	for	ADP
gujaf-67	65	30	the	the	DET
gujaf-67	65	31	period	period	NOUN
gujaf-67	65	32	1998	1998	NUM
gujaf-67	65	33	-	-	SYM
gujaf-67	65	34	2005	2005	NUM
gujaf-67	65	35	.	.	PUNCT
gujaf-67	66	1	the	the	DET
gujaf-67	66	2	study	study	NOUN
gujaf-67	66	3	used	use	VERB
gujaf-67	66	4	capital	capital	NOUN
gujaf-67	66	5	adequacy	adequacy	NOUN
gujaf-67	66	6	,	,	PUNCT
gujaf-67	66	7	asset	asset	NOUN
gujaf-67	66	8	quality	quality	NOUN
gujaf-67	66	9	and	and	CCONJ
gujaf-67	66	10	profitability	profitability	NOUN
gujaf-67	66	11	to	to	PART
gujaf-67	66	12	represent	represent	VERB
gujaf-67	66	13	fsis	fsis	NOUN
gujaf-67	66	14	and	and	CCONJ
gujaf-67	66	15	a	a	DET
gujaf-67	66	16	number	number	NOUN
gujaf-67	66	17	of	of	ADP
gujaf-67	66	18	key	key	ADJ
gujaf-67	66	19	macroeconomic	macroeconomic	ADJ
gujaf-67	66	20	indicators	indicator	NOUN
gujaf-67	66	21	.	.	PUNCT
gujaf-67	67	1	the	the	DET
gujaf-67	67	2	result	result	NOUN
gujaf-67	67	3	showed	show	VERB
gujaf-67	67	4	that	that	SCONJ
gujaf-67	67	5	fsis	fsis	NOUN
gujaf-67	67	6	fluctuate	fluctuate	NOUN
gujaf-67	67	7	strongly	strongly	ADV
gujaf-67	67	8	with	with	ADP
gujaf-67	67	9	both	both	CCONJ
gujaf-67	67	10	the	the	DET
gujaf-67	67	11	business	business	NOUN
gujaf-67	67	12	gusau	gusau	PROPN
gujaf-67	67	13	journal	journal	NOUN
gujaf-67	67	14	of	of	ADP
gujaf-67	67	15	accounting	accounting	NOUN
gujaf-67	67	16	and	and	CCONJ
gujaf-67	67	17	finance	finance	NOUN
gujaf-67	67	18	,	,	PUNCT
gujaf-67	67	19	vol	vol	NOUN
gujaf-67	67	20	.	.	PROPN
gujaf-67	67	21	2	2	NUM
gujaf-67	67	22	,	,	PUNCT
gujaf-67	67	23	issue	issue	NOUN
gujaf-67	67	24	2	2	NUM
gujaf-67	67	25	,	,	PUNCT
gujaf-67	67	26	april	april	PROPN
gujaf-67	67	27	,	,	PUNCT
gujaf-67	67	28	2021	2021	NUM
gujaf-67	67	29	5	5	NUM
gujaf-67	67	30	cycle	cycle	NOUN
gujaf-67	67	31	and	and	CCONJ
gujaf-67	67	32	the	the	DET
gujaf-67	67	33	inflation	inflation	NOUN
gujaf-67	67	34	rate	rate	NOUN
gujaf-67	67	35	.	.	PUNCT
gujaf-67	68	1	the	the	DET
gujaf-67	68	2	result	result	NOUN
gujaf-67	68	3	also	also	ADV
gujaf-67	68	4	revealed	reveal	VERB
gujaf-67	68	5	that	that	SCONJ
gujaf-67	68	6	short	short	ADJ
gujaf-67	68	7	term	term	NOUN
gujaf-67	68	8	interest	interest	NOUN
gujaf-67	68	9	rates	rate	NOUN
gujaf-67	68	10	and	and	CCONJ
gujaf-67	68	11	the	the	DET
gujaf-67	68	12	real	real	ADJ
gujaf-67	68	13	exchange	exchange	NOUN
gujaf-67	68	14	rate	rate	NOUN
gujaf-67	68	15	significantly	significantly	ADV
gujaf-67	68	16	affect	affect	VERB
gujaf-67	68	17	the	the	DET
gujaf-67	68	18	relationship	relationship	NOUN
gujaf-67	68	19	between	between	ADP
gujaf-67	68	20	macroeconomic	macroeconomic	ADJ
gujaf-67	68	21	variables	variable	NOUN
gujaf-67	68	22	and	and	CCONJ
gujaf-67	68	23	fsis	fsis	NOUN
gujaf-67	68	24	.	.	PUNCT
gujaf-67	69	1	shajari	shajari	PROPN
gujaf-67	69	2	and	and	CCONJ
gujaf-67	69	3	shajari	shajari	ADJ
gujaf-67	69	4	(	(	PUNCT
gujaf-67	69	5	2012	2012	NUM
gujaf-67	69	6	)	)	PUNCT
gujaf-67	69	7	examined	examine	VERB
gujaf-67	69	8	the	the	DET
gujaf-67	69	9	relationship	relationship	NOUN
gujaf-67	69	10	between	between	ADP
gujaf-67	69	11	three	three	NUM
gujaf-67	69	12	fsis	fsis	NOUN
gujaf-67	69	13	of	of	ADP
gujaf-67	69	14	asset	asset	NOUN
gujaf-67	69	15	quality	quality	NOUN
gujaf-67	69	16	,	,	PUNCT
gujaf-67	69	17	capital	capital	NOUN
gujaf-67	69	18	adequacy	adequacy	NOUN
gujaf-67	69	19	and	and	CCONJ
gujaf-67	69	20	profitability	profitability	NOUN
gujaf-67	69	21	,	,	PUNCT
gujaf-67	69	22	and	and	CCONJ
gujaf-67	69	23	selected	select	VERB
gujaf-67	69	24	key	key	ADJ
gujaf-67	69	25	macroeconomic	macroeconomic	ADJ
gujaf-67	69	26	,	,	PUNCT
gujaf-67	69	27	bank	bank	NOUN
gujaf-67	69	28	-	-	PUNCT
gujaf-67	69	29	specific	specific	ADJ
gujaf-67	69	30	,	,	PUNCT
gujaf-67	69	31	and	and	CCONJ
gujaf-67	69	32	structural	structural	ADJ
gujaf-67	69	33	variables	variable	NOUN
gujaf-67	69	34	in	in	ADP
gujaf-67	69	35	iran`s	iran`s	PROPN
gujaf-67	69	36	banking	banking	NOUN
gujaf-67	69	37	system	system	NOUN
gujaf-67	69	38	.	.	PUNCT
gujaf-67	70	1	the	the	DET
gujaf-67	70	2	results	result	NOUN
gujaf-67	70	3	showed	show	VERB
gujaf-67	70	4	that	that	SCONJ
gujaf-67	70	5	business	business	NOUN
gujaf-67	70	6	cycle	cycle	NOUN
gujaf-67	70	7	significantly	significantly	ADV
gujaf-67	70	8	influenced	influence	VERB
gujaf-67	70	9	asset	asset	NOUN
gujaf-67	70	10	quality	quality	NOUN
gujaf-67	70	11	and	and	CCONJ
gujaf-67	70	12	capital	capital	NOUN
gujaf-67	70	13	adequacy	adequacy	NOUN
gujaf-67	70	14	while	while	SCONJ
gujaf-67	70	15	interest	interest	NOUN
gujaf-67	70	16	rate	rate	NOUN
gujaf-67	70	17	negatively	negatively	ADV
gujaf-67	70	18	affected	affect	VERB
gujaf-67	70	19	asset	asset	NOUN
gujaf-67	70	20	quality	quality	NOUN
gujaf-67	70	21	.	.	PUNCT
gujaf-67	71	1	the	the	DET
gujaf-67	71	2	result	result	NOUN
gujaf-67	71	3	also	also	ADV
gujaf-67	71	4	showed	show	VERB
gujaf-67	71	5	that	that	SCONJ
gujaf-67	71	6	short	short	ADJ
gujaf-67	71	7	term	term	NOUN
gujaf-67	71	8	deposit	deposit	NOUN
gujaf-67	71	9	interest	interest	NOUN
gujaf-67	71	10	rate	rate	NOUN
gujaf-67	71	11	and	and	CCONJ
gujaf-67	71	12	changes	change	NOUN
gujaf-67	71	13	in	in	ADP
gujaf-67	71	14	the	the	DET
gujaf-67	71	15	exchange	exchange	NOUN
gujaf-67	71	16	rate	rate	NOUN
gujaf-67	71	17	significantly	significantly	ADV
gujaf-67	71	18	affect	affect	VERB
gujaf-67	71	19	capital	capital	NOUN
gujaf-67	71	20	adequacy	adequacy	NOUN
gujaf-67	71	21	while	while	SCONJ
gujaf-67	71	22	inflation	inflation	NOUN
gujaf-67	71	23	rate	rate	NOUN
gujaf-67	71	24	and	and	CCONJ
gujaf-67	71	25	npls	npls	NOUN
gujaf-67	71	26	ratio	ratio	NOUN
gujaf-67	71	27	affect	affect	VERB
gujaf-67	71	28	profitability	profitability	NOUN
gujaf-67	71	29	of	of	ADP
gujaf-67	71	30	iranian	iranian	ADJ
gujaf-67	71	31	banks	bank	NOUN
gujaf-67	71	32	.	.	PUNCT
gujaf-67	72	1	also	also	ADV
gujaf-67	72	2	,	,	PUNCT
gujaf-67	72	3	oyuntsatsral	oyuntsatsral	ADJ
gujaf-67	72	4	and	and	CCONJ
gujaf-67	72	5	mukhzaya	mukhzaya	NOUN
gujaf-67	72	6	(	(	PUNCT
gujaf-67	72	7	2012	2012	NUM
gujaf-67	72	8	)	)	PUNCT
gujaf-67	72	9	examined	examine	VERB
gujaf-67	72	10	the	the	DET
gujaf-67	72	11	relationship	relationship	NOUN
gujaf-67	72	12	between	between	ADP
gujaf-67	72	13	some	some	DET
gujaf-67	72	14	fsis	fsis	NOUN
gujaf-67	72	15	and	and	CCONJ
gujaf-67	72	16	corporate	corporate	ADJ
gujaf-67	72	17	governance	governance	NOUN
gujaf-67	72	18	index	index	NOUN
gujaf-67	72	19	of	of	ADP
gujaf-67	72	20	mongolian	mongolian	ADJ
gujaf-67	72	21	financial	financial	ADJ
gujaf-67	72	22	system	system	NOUN
gujaf-67	72	23	from	from	ADP
gujaf-67	72	24	the	the	DET
gujaf-67	72	25	first	first	ADJ
gujaf-67	72	26	quarter	quarter	NOUN
gujaf-67	72	27	of	of	ADP
gujaf-67	72	28	2000	2000	NUM
gujaf-67	72	29	to	to	ADP
gujaf-67	72	30	fourth	fourth	ADJ
gujaf-67	72	31	quarter	quarter	NOUN
gujaf-67	72	32	of	of	ADP
gujaf-67	72	33	2011	2011	NUM
gujaf-67	72	34	.	.	PUNCT
gujaf-67	73	1	the	the	DET
gujaf-67	73	2	findings	finding	NOUN
gujaf-67	73	3	showed	show	VERB
gujaf-67	73	4	that	that	SCONJ
gujaf-67	73	5	mongolian	mongolian	ADJ
gujaf-67	73	6	financial	financial	ADJ
gujaf-67	73	7	sector	sector	NOUN
gujaf-67	73	8	during	during	ADP
gujaf-67	73	9	the	the	DET
gujaf-67	73	10	study	study	NOUN
gujaf-67	73	11	period	period	NOUN
gujaf-67	73	12	had	have	AUX
gujaf-67	73	13	been	be	AUX
gujaf-67	73	14	unsustainable	unsustainable	ADJ
gujaf-67	73	15	.	.	PUNCT
gujaf-67	74	1	both	both	DET
gujaf-67	74	2	studies	study	NOUN
gujaf-67	74	3	did	do	AUX
gujaf-67	74	4	not	not	PART
gujaf-67	74	5	cover	cover	VERB
gujaf-67	74	6	all	all	DET
gujaf-67	74	7	the	the	DET
gujaf-67	74	8	five	five	NUM
gujaf-67	74	9	fsis	fsis	NOUN
gujaf-67	74	10	.	.	PUNCT
gujaf-67	75	1	their	their	PRON
gujaf-67	75	2	findings	finding	NOUN
gujaf-67	75	3	would	would	AUX
gujaf-67	75	4	not	not	PART
gujaf-67	75	5	have	have	AUX
gujaf-67	75	6	been	be	AUX
gujaf-67	75	7	the	the	DET
gujaf-67	75	8	same	same	ADJ
gujaf-67	75	9	if	if	SCONJ
gujaf-67	75	10	they	they	PRON
gujaf-67	75	11	had	have	AUX
gujaf-67	75	12	used	use	VERB
gujaf-67	75	13	all	all	DET
gujaf-67	75	14	the	the	DET
gujaf-67	75	15	indicators	indicator	NOUN
gujaf-67	75	16	as	as	SCONJ
gujaf-67	75	17	used	use	VERB
gujaf-67	75	18	in	in	ADP
gujaf-67	75	19	this	this	DET
gujaf-67	75	20	study	study	NOUN
gujaf-67	75	21	.	.	PUNCT
gujaf-67	76	1	navajas	navajas	PROPN
gujaf-67	76	2	and	and	CCONJ
gujaf-67	76	3	thegeya	thegeya	PROPN
gujaf-67	76	4	(	(	PUNCT
gujaf-67	76	5	2013	2013	NUM
gujaf-67	76	6	)	)	PUNCT
gujaf-67	76	7	assessed	assessed	ADJ
gujaf-67	76	8	fsis	fsis	NOUN
gujaf-67	76	9	effectiveness	effectiveness	NOUN
gujaf-67	76	10	in	in	ADP
gujaf-67	76	11	predicting	predict	VERB
gujaf-67	76	12	banking	banking	NOUN
gujaf-67	76	13	crises	crisis	NOUN
gujaf-67	76	14	by	by	ADP
gujaf-67	76	15	testing	test	VERB
gujaf-67	76	16	whether	whether	SCONJ
gujaf-67	76	17	fsis	fsis	NOUN
gujaf-67	76	18	,	,	PUNCT
gujaf-67	76	19	broad	broad	ADJ
gujaf-67	76	20	macroeconomic	macroeconomic	ADJ
gujaf-67	76	21	indicators	indicator	NOUN
gujaf-67	76	22	and	and	CCONJ
gujaf-67	76	23	institutional	institutional	ADJ
gujaf-67	76	24	indicators	indicator	NOUN
gujaf-67	76	25	can	can	AUX
gujaf-67	76	26	predict	predict	VERB
gujaf-67	76	27	banking	banking	NOUN
gujaf-67	76	28	crisis	crisis	NOUN
gujaf-67	76	29	.	.	PUNCT
gujaf-67	77	1	the	the	DET
gujaf-67	77	2	study	study	NOUN
gujaf-67	77	3	used	use	VERB
gujaf-67	77	4	an	an	DET
gujaf-67	77	5	imf	imf	PROPN
gujaf-67	77	6	based	base	VERB
gujaf-67	77	7	dataset	dataset	NOUN
gujaf-67	77	8	of	of	ADP
gujaf-67	77	9	homogeneous	homogeneous	ADJ
gujaf-67	77	10	indicators	indicator	NOUN
gujaf-67	77	11	comparable	comparable	ADJ
gujaf-67	77	12	across	across	ADP
gujaf-67	77	13	many	many	ADJ
gujaf-67	77	14	countries	country	NOUN
gujaf-67	77	15	over	over	ADP
gujaf-67	77	16	the	the	DET
gujaf-67	77	17	period	period	NOUN
gujaf-67	77	18	2005	2005	NUM
gujaf-67	77	19	to	to	ADP
gujaf-67	77	20	2012	2012	NUM
gujaf-67	77	21	and	and	CCONJ
gujaf-67	77	22	applied	apply	VERB
gujaf-67	77	23	multivariate	multivariate	NOUN
gujaf-67	77	24	logit	logit	NOUN
gujaf-67	77	25	models	model	NOUN
gujaf-67	77	26	for	for	ADP
gujaf-67	77	27	the	the	DET
gujaf-67	77	28	analysis	analysis	NOUN
gujaf-67	77	29	.	.	PUNCT
gujaf-67	78	1	the	the	DET
gujaf-67	78	2	results	result	NOUN
gujaf-67	78	3	showed	show	VERB
gujaf-67	78	4	a	a	DET
gujaf-67	78	5	significant	significant	ADJ
gujaf-67	78	6	correlation	correlation	NOUN
gujaf-67	78	7	between	between	ADP
gujaf-67	78	8	some	some	DET
gujaf-67	78	9	fsis	fsis	NOUN
gujaf-67	78	10	and	and	CCONJ
gujaf-67	78	11	the	the	DET
gujaf-67	78	12	occurrence	occurrence	NOUN
gujaf-67	78	13	of	of	ADP
gujaf-67	78	14	systemic	systemic	ADJ
gujaf-67	78	15	banking	banking	NOUN
gujaf-67	78	16	crises	crisis	NOUN
gujaf-67	78	17	.	.	PUNCT
gujaf-67	79	1	on	on	ADP
gujaf-67	79	2	their	their	PRON
gujaf-67	79	3	part	part	NOUN
gujaf-67	79	4	,	,	PUNCT
gujaf-67	79	5	kasselaki	kasselaki	NOUN
gujaf-67	79	6	and	and	CCONJ
gujaf-67	79	7	tagkalakis	tagkalakis	PROPN
gujaf-67	79	8	(	(	PUNCT
gujaf-67	79	9	2013	2013	NUM
gujaf-67	79	10	)	)	PUNCT
gujaf-67	79	11	examined	examine	VERB
gujaf-67	79	12	the	the	DET
gujaf-67	79	13	relationship	relationship	NOUN
gujaf-67	79	14	between	between	ADP
gujaf-67	79	15	fsis	fsis	NOUN
gujaf-67	79	16	and	and	CCONJ
gujaf-67	79	17	financial	financial	ADJ
gujaf-67	79	18	crisis	crisis	NOUN
gujaf-67	79	19	using	use	VERB
gujaf-67	79	20	imf	imf	PROPN
gujaf-67	79	21	's	's	PART
gujaf-67	79	22	dataset	dataset	NOUN
gujaf-67	79	23	on	on	ADP
gujaf-67	79	24	aggregate	aggregate	ADJ
gujaf-67	79	25	capital	capital	NOUN
gujaf-67	79	26	adequacy	adequacy	NOUN
gujaf-67	79	27	,	,	PUNCT
gujaf-67	79	28	asset	asset	NOUN
gujaf-67	79	29	quality	quality	NOUN
gujaf-67	79	30	and	and	CCONJ
gujaf-67	79	31	bank	bank	NOUN
gujaf-67	79	32	profitability	profitability	NOUN
gujaf-67	79	33	indicators	indicator	NOUN
gujaf-67	79	34	for	for	ADP
gujaf-67	79	35	20	20	NUM
gujaf-67	79	36	oecd	oecd	PROPN
gujaf-67	79	37	countries	country	NOUN
gujaf-67	79	38	.	.	PUNCT
gujaf-67	80	1	the	the	DET
gujaf-67	80	2	paper	paper	NOUN
gujaf-67	80	3	found	find	VERB
gujaf-67	80	4	that	that	SCONJ
gujaf-67	80	5	in	in	ADP
gujaf-67	80	6	times	time	NOUN
gujaf-67	80	7	of	of	ADP
gujaf-67	80	8	severe	severe	ADJ
gujaf-67	80	9	financial	financial	ADJ
gujaf-67	80	10	crisis	crisis	NOUN
gujaf-67	80	11	,	,	PUNCT
gujaf-67	80	12	capital	capital	NOUN
gujaf-67	80	13	adequacy	adequacy	NOUN
gujaf-67	80	14	increases	increase	NOUN
gujaf-67	80	15	;	;	PUNCT
gujaf-67	80	16	asset	asset	NOUN
gujaf-67	80	17	quality	quality	NOUN
gujaf-67	80	18	represented	represent	VERB
gujaf-67	80	19	by	by	ADP
gujaf-67	80	20	the	the	DET
gujaf-67	80	21	ratio	ratio	NOUN
gujaf-67	80	22	of	of	ADP
gujaf-67	80	23	nonperforming	nonperforme	VERB
gujaf-67	80	24	loans	loan	NOUN
gujaf-67	80	25	(	(	PUNCT
gujaf-67	80	26	npls	npls	NOUN
gujaf-67	80	27	)	)	PUNCT
gujaf-67	80	28	to	to	PART
gujaf-67	80	29	total	total	ADJ
gujaf-67	80	30	loans	loan	NOUN
gujaf-67	80	31	also	also	ADV
gujaf-67	80	32	increases	increase	VERB
gujaf-67	80	33	.	.	PUNCT
gujaf-67	81	1	in	in	ADP
gujaf-67	81	2	contrast	contrast	NOUN
gujaf-67	81	3	,	,	PUNCT
gujaf-67	81	4	loan	loan	NOUN
gujaf-67	81	5	loss	loss	NOUN
gujaf-67	81	6	provisions	provision	NOUN
gujaf-67	81	7	lag	lag	VERB
gujaf-67	81	8	behind	behind	ADP
gujaf-67	81	9	npls	npls	NOUN
gujaf-67	81	10	while	while	SCONJ
gujaf-67	81	11	profitability	profitability	NOUN
gujaf-67	81	12	deteriorates	deteriorate	VERB
gujaf-67	81	13	dramatically	dramatically	ADV
gujaf-67	81	14	.	.	PUNCT
gujaf-67	82	1	the	the	DET
gujaf-67	82	2	focus	focus	NOUN
gujaf-67	82	3	of	of	ADP
gujaf-67	82	4	the	the	DET
gujaf-67	82	5	two	two	NUM
gujaf-67	82	6	aforementioned	aforementioned	ADJ
gujaf-67	82	7	studies	study	NOUN
gujaf-67	82	8	was	be	AUX
gujaf-67	82	9	on	on	ADP
gujaf-67	82	10	financial	financial	ADJ
gujaf-67	82	11	stability	stability	NOUN
gujaf-67	82	12	.	.	PUNCT
gujaf-67	83	1	in	in	ADP
gujaf-67	83	2	many	many	ADJ
gujaf-67	83	3	jurisdictions	jurisdiction	NOUN
gujaf-67	83	4	,	,	PUNCT
gujaf-67	83	5	it	it	PRON
gujaf-67	83	6	was	be	AUX
gujaf-67	83	7	found	find	VERB
gujaf-67	83	8	that	that	SCONJ
gujaf-67	83	9	efficiency	efficiency	NOUN
gujaf-67	83	10	of	of	ADP
gujaf-67	83	11	banking	banking	NOUN
gujaf-67	83	12	industry	industry	NOUN
gujaf-67	83	13	or	or	CCONJ
gujaf-67	83	14	lack	lack	NOUN
gujaf-67	83	15	it	it	PRON
gujaf-67	83	16	serves	serve	VERB
gujaf-67	83	17	as	as	ADP
gujaf-67	83	18	the	the	DET
gujaf-67	83	19	precursor	precursor	NOUN
gujaf-67	83	20	to	to	ADP
gujaf-67	83	21	financial	financial	ADJ
gujaf-67	83	22	stability	stability	NOUN
gujaf-67	83	23	.	.	PUNCT
gujaf-67	84	1	therefore	therefore	ADV
gujaf-67	84	2	,	,	PUNCT
gujaf-67	84	3	while	while	SCONJ
gujaf-67	84	4	the	the	DET
gujaf-67	84	5	studies	study	NOUN
gujaf-67	84	6	used	use	VERB
gujaf-67	84	7	some	some	DET
gujaf-67	84	8	fsis	fsis	NOUN
gujaf-67	84	9	,	,	PUNCT
gujaf-67	84	10	they	they	PRON
gujaf-67	84	11	did	do	AUX
gujaf-67	84	12	not	not	PART
gujaf-67	84	13	consider	consider	VERB
gujaf-67	84	14	efficiency	efficiency	NOUN
gujaf-67	84	15	as	as	ADP
gujaf-67	84	16	one	one	NUM
gujaf-67	84	17	of	of	ADP
gujaf-67	84	18	their	their	PRON
gujaf-67	84	19	variables	variable	NOUN
gujaf-67	84	20	.	.	PUNCT
gujaf-67	85	1	using	use	VERB
gujaf-67	85	2	the	the	DET
gujaf-67	85	3	dataset	dataset	NOUN
gujaf-67	85	4	of	of	ADP
gujaf-67	85	5	94	94	NUM
gujaf-67	85	6	banks	bank	NOUN
gujaf-67	85	7	operating	operate	VERB
gujaf-67	85	8	in	in	ADP
gujaf-67	85	9	arab	arab	PROPN
gujaf-67	85	10	gulf	gulf	PROPN
gujaf-67	85	11	cooperation	cooperation	PROPN
gujaf-67	85	12	council	council	PROPN
gujaf-67	85	13	(	(	PUNCT
gujaf-67	85	14	gcc	gcc	NOUN
gujaf-67	85	15	)	)	PUNCT
gujaf-67	85	16	countries	country	NOUN
gujaf-67	85	17	,	,	PUNCT
gujaf-67	85	18	almuharrami	almuharrami	NOUN
gujaf-67	85	19	(	(	PUNCT
gujaf-67	85	20	2015	2015	NUM
gujaf-67	85	21	)	)	PUNCT
gujaf-67	85	22	investigated	investigate	VERB
gujaf-67	85	23	the	the	DET
gujaf-67	85	24	effect	effect	NOUN
gujaf-67	85	25	of	of	ADP
gujaf-67	85	26	fsis	fsis	NOUN
gujaf-67	85	27	on	on	ADP
gujaf-67	85	28	financial	financial	ADJ
gujaf-67	85	29	stability	stability	NOUN
gujaf-67	85	30	of	of	ADP
gujaf-67	85	31	arab	arab	ADJ
gujaf-67	85	32	gcc	gcc	NOUN
gujaf-67	85	33	deposit	deposit	NOUN
gujaf-67	85	34	takers	taker	NOUN
gujaf-67	85	35	for	for	ADP
gujaf-67	85	36	the	the	DET
gujaf-67	85	37	period	period	NOUN
gujaf-67	85	38	1999	1999	NUM
gujaf-67	85	39	-	-	SYM
gujaf-67	85	40	2013	2013	NUM
gujaf-67	85	41	.	.	PUNCT
gujaf-67	86	1	the	the	DET
gujaf-67	86	2	results	result	NOUN
gujaf-67	86	3	indicated	indicate	VERB
gujaf-67	86	4	that	that	SCONJ
gujaf-67	86	5	asset	asset	NOUN
gujaf-67	86	6	quality	quality	NOUN
gujaf-67	86	7	,	,	PUNCT
gujaf-67	86	8	capital	capital	NOUN
gujaf-67	86	9	adequacy	adequacy	NOUN
gujaf-67	86	10	and	and	CCONJ
gujaf-67	86	11	liquidity	liquidity	NOUN
gujaf-67	86	12	significantly	significantly	ADV
gujaf-67	86	13	influence	influence	VERB
gujaf-67	86	14	the	the	DET
gujaf-67	86	15	health	health	NOUN
gujaf-67	86	16	of	of	ADP
gujaf-67	86	17	the	the	DET
gujaf-67	86	18	arab	arab	ADJ
gujaf-67	86	19	gcc	gcc	NOUN
gujaf-67	86	20	financial	financial	ADJ
gujaf-67	86	21	sector	sector	NOUN
gujaf-67	86	22	.	.	PUNCT
gujaf-67	87	1	albulescu	albulescu	NOUN
gujaf-67	87	2	(	(	PUNCT
gujaf-67	87	3	2015	2015	NUM
gujaf-67	87	4	)	)	PUNCT
gujaf-67	87	5	examined	examine	VERB
gujaf-67	87	6	the	the	DET
gujaf-67	87	7	influence	influence	NOUN
gujaf-67	87	8	of	of	ADP
gujaf-67	87	9	financial	financial	ADJ
gujaf-67	87	10	soundness	soundness	NOUN
gujaf-67	87	11	indicators	indicator	NOUN
gujaf-67	87	12	on	on	ADP
gujaf-67	87	13	the	the	DET
gujaf-67	87	14	profitability	profitability	NOUN
gujaf-67	87	15	of	of	ADP
gujaf-67	87	16	banks	bank	NOUN
gujaf-67	87	17	in	in	ADP
gujaf-67	87	18	a	a	DET
gujaf-67	87	19	set	set	NOUN
gujaf-67	87	20	of	of	ADP
gujaf-67	87	21	emerging	emerge	VERB
gujaf-67	87	22	countries	country	NOUN
gujaf-67	87	23	using	use	VERB
gujaf-67	87	24	imf	imf	PROPN
gujaf-67	87	25	monthly	monthly	ADJ
gujaf-67	87	26	data	datum	NOUN
gujaf-67	87	27	for	for	ADP
gujaf-67	87	28	the	the	DET
gujaf-67	87	29	period	period	NOUN
gujaf-67	87	30	2005	2005	NUM
gujaf-67	87	31	-	-	SYM
gujaf-67	87	32	2013	2013	NUM
gujaf-67	87	33	.	.	PUNCT
gujaf-67	88	1	the	the	DET
gujaf-67	88	2	result	result	NOUN
gujaf-67	88	3	of	of	ADP
gujaf-67	88	4	the	the	DET
gujaf-67	88	5	panel	panel	NOUN
gujaf-67	88	6	data	datum	NOUN
gujaf-67	88	7	analysis	analysis	NOUN
gujaf-67	88	8	showed	show	VERB
gujaf-67	88	9	that	that	SCONJ
gujaf-67	88	10	npls	npls	NOUN
gujaf-67	88	11	have	have	VERB
gujaf-67	88	12	negative	negative	ADJ
gujaf-67	88	13	effect	effect	NOUN
gujaf-67	88	14	on	on	ADP
gujaf-67	88	15	banks	bank	NOUN
gujaf-67	88	16	’	'	PUNCT
gujaf-67	88	17	profitability	profitability	NOUN
gujaf-67	88	18	.	.	PUNCT
gujaf-67	89	1	it	it	PRON
gujaf-67	89	2	also	also	ADV
gujaf-67	89	3	showed	show	VERB
gujaf-67	89	4	that	that	SCONJ
gujaf-67	89	5	liquidity	liquidity	NOUN
gujaf-67	89	6	has	have	VERB
gujaf-67	89	7	a	a	DET
gujaf-67	89	8	mixed	mixed	ADJ
gujaf-67	89	9	influence	influence	NOUN
gujaf-67	89	10	while	while	SCONJ
gujaf-67	89	11	capitalisation	capitalisation	NOUN
gujaf-67	89	12	and	and	CCONJ
gujaf-67	89	13	interest	interest	NOUN
gujaf-67	89	14	rate	rate	NOUN
gujaf-67	89	15	margins	margin	NOUN
gujaf-67	89	16	have	have	VERB
gujaf-67	89	17	positive	positive	ADJ
gujaf-67	89	18	effect	effect	NOUN
gujaf-67	89	19	on	on	ADP
gujaf-67	89	20	the	the	DET
gujaf-67	89	21	profitability	profitability	NOUN
gujaf-67	89	22	of	of	ADP
gujaf-67	89	23	the	the	DET
gujaf-67	89	24	banks	bank	NOUN
gujaf-67	89	25	.	.	PUNCT
gujaf-67	90	1	the	the	DET
gujaf-67	90	2	result	result	NOUN
gujaf-67	90	3	further	far	ADV
gujaf-67	90	4	revealed	reveal	VERB
gujaf-67	90	5	that	that	SCONJ
gujaf-67	90	6	non	non	ADJ
gujaf-67	90	7	-	-	ADJ
gujaf-67	90	8	interest	interest	ADJ
gujaf-67	90	9	expenses	expense	NOUN
gujaf-67	90	10	negatively	negatively	ADV
gujaf-67	90	11	affect	affect	VERB
gujaf-67	90	12	profitability	profitability	NOUN
gujaf-67	90	13	.	.	PUNCT
gujaf-67	91	1	the	the	DET
gujaf-67	91	2	studies	study	NOUN
gujaf-67	91	3	were	be	AUX
gujaf-67	91	4	carried	carry	VERB
gujaf-67	91	5	out	out	ADP
gujaf-67	91	6	in	in	ADP
gujaf-67	91	7	different	different	ADJ
gujaf-67	91	8	countries	country	NOUN
gujaf-67	91	9	that	that	PRON
gujaf-67	91	10	have	have	VERB
gujaf-67	91	11	different	different	ADJ
gujaf-67	91	12	regulations	regulation	NOUN
gujaf-67	91	13	.	.	PUNCT
gujaf-67	92	1	their	their	PRON
gujaf-67	92	2	findings	finding	NOUN
gujaf-67	92	3	may	may	AUX
gujaf-67	92	4	not	not	PART
gujaf-67	92	5	therefore	therefore	ADV
gujaf-67	92	6	apply	apply	VERB
gujaf-67	92	7	to	to	ADP
gujaf-67	92	8	nigeria	nigeria	PROPN
gujaf-67	92	9	.	.	PUNCT
gujaf-67	93	1	asian	asian	PROPN
gujaf-67	93	2	development	development	PROPN
gujaf-67	93	3	bank	bank	PROPN
gujaf-67	93	4	(	(	PUNCT
gujaf-67	93	5	2015	2015	NUM
gujaf-67	93	6	)	)	PUNCT
gujaf-67	93	7	carried	carry	VERB
gujaf-67	93	8	out	out	ADP
gujaf-67	93	9	a	a	DET
gujaf-67	93	10	trend	trend	NOUN
gujaf-67	93	11	analysis	analysis	NOUN
gujaf-67	93	12	of	of	ADP
gujaf-67	93	13	financial	financial	ADJ
gujaf-67	93	14	soundness	soundness	NOUN
gujaf-67	93	15	indicators	indicator	NOUN
gujaf-67	93	16	in	in	ADP
gujaf-67	93	17	bangladesh	bangladesh	NOUN
gujaf-67	93	18	.	.	PUNCT
gujaf-67	94	1	the	the	DET
gujaf-67	94	2	review	review	NOUN
gujaf-67	94	3	,	,	PUNCT
gujaf-67	94	4	which	which	PRON
gujaf-67	94	5	considered	consider	VERB
gujaf-67	94	6	all	all	DET
gujaf-67	94	7	the	the	DET
gujaf-67	94	8	core	core	NOUN
gujaf-67	94	9	set	set	VERB
gujaf-67	94	10	and	and	CCONJ
gujaf-67	94	11	encouraged	encourage	VERB
gujaf-67	94	12	set	set	NOUN
gujaf-67	94	13	of	of	ADP
gujaf-67	94	14	fsis	fsis	NOUN
gujaf-67	94	15	,	,	PUNCT
gujaf-67	94	16	concluded	conclude	VERB
gujaf-67	94	17	that	that	SCONJ
gujaf-67	94	18	fsis	fsis	NOUN
gujaf-67	94	19	need	need	VERB
gujaf-67	94	20	to	to	PART
gujaf-67	94	21	be	be	AUX
gujaf-67	94	22	improved	improve	VERB
gujaf-67	94	23	in	in	ADP
gujaf-67	94	24	the	the	DET
gujaf-67	94	25	country	country	NOUN
gujaf-67	94	26	.	.	PUNCT
gujaf-67	95	1	it	it	PRON
gujaf-67	95	2	also	also	ADV
gujaf-67	95	3	showed	show	VERB
gujaf-67	95	4	that	that	SCONJ
gujaf-67	95	5	while	while	SCONJ
gujaf-67	95	6	some	some	PRON
gujaf-67	95	7	of	of	ADP
gujaf-67	95	8	the	the	DET
gujaf-67	95	9	core	core	NOUN
gujaf-67	95	10	set	set	NOUN
gujaf-67	95	11	of	of	ADP
gujaf-67	95	12	indicators	indicator	NOUN
gujaf-67	95	13	are	be	AUX
gujaf-67	95	14	doing	do	VERB
gujaf-67	95	15	well	well	ADV
gujaf-67	95	16	,	,	PUNCT
gujaf-67	95	17	a	a	DET
gujaf-67	95	18	lot	lot	NOUN
gujaf-67	95	19	of	of	ADP
gujaf-67	95	20	work	work	NOUN
gujaf-67	95	21	need	need	VERB
gujaf-67	95	22	to	to	PART
gujaf-67	95	23	be	be	AUX
gujaf-67	95	24	done	do	VERB
gujaf-67	95	25	regarding	regard	VERB
gujaf-67	95	26	the	the	DET
gujaf-67	95	27	encouraged	encourage	VERB
gujaf-67	95	28	set	set	NOUN
gujaf-67	95	29	.	.	PUNCT
gujaf-67	96	1	on	on	ADP
gujaf-67	96	2	their	their	PRON
gujaf-67	96	3	part	part	NOUN
gujaf-67	96	4	,	,	PUNCT
gujaf-67	96	5	ini	ini	PROPN
gujaf-67	96	6	et	et	PROPN
gujaf-67	96	7	al	al	PROPN
gujaf-67	96	8	.	.	PROPN
gujaf-67	97	1	(	(	PUNCT
gujaf-67	97	2	2015	2015	NUM
gujaf-67	97	3	)	)	PUNCT
gujaf-67	97	4	used	use	VERB
gujaf-67	97	5	quarterly	quarterly	ADJ
gujaf-67	97	6	data	datum	NOUN
gujaf-67	97	7	to	to	PART
gujaf-67	97	8	evaluate	evaluate	VERB
gujaf-67	97	9	the	the	DET
gujaf-67	97	10	effect	effect	NOUN
gujaf-67	97	11	of	of	ADP
gujaf-67	97	12	fsis	fsis	NOUN
gujaf-67	97	13	on	on	ADP
gujaf-67	97	14	financial	financial	ADJ
gujaf-67	97	15	stability	stability	NOUN
gujaf-67	97	16	in	in	ADP
gujaf-67	97	17	nigerian	nigerian	ADJ
gujaf-67	97	18	financial	financial	ADJ
gujaf-67	97	19	system	system	NOUN
gujaf-67	97	20	for	for	ADP
gujaf-67	97	21	the	the	DET
gujaf-67	97	22	period	period	NOUN
gujaf-67	97	23	2007	2007	NUM
gujaf-67	97	24	-	-	SYM
gujaf-67	97	25	2015	2015	NUM
gujaf-67	97	26	.	.	PUNCT
gujaf-67	98	1	the	the	DET
gujaf-67	98	2	study	study	NOUN
gujaf-67	98	3	,	,	PUNCT
gujaf-67	98	4	which	which	PRON
gujaf-67	98	5	applied	apply	VERB
gujaf-67	98	6	correlation	correlation	NOUN
gujaf-67	98	7	gusau	gusau	ADJ
gujaf-67	98	8	journal	journal	NOUN
gujaf-67	98	9	of	of	ADP
gujaf-67	98	10	accounting	accounting	NOUN
gujaf-67	98	11	and	and	CCONJ
gujaf-67	98	12	finance	finance	NOUN
gujaf-67	98	13	,	,	PUNCT
gujaf-67	98	14	vol	vol	NOUN
gujaf-67	98	15	.	.	PROPN
gujaf-67	98	16	2	2	NUM
gujaf-67	98	17	,	,	PUNCT
gujaf-67	98	18	issue	issue	NOUN
gujaf-67	98	19	2	2	NUM
gujaf-67	98	20	,	,	PUNCT
gujaf-67	98	21	april	april	PROPN
gujaf-67	98	22	,	,	PUNCT
gujaf-67	98	23	2021	2021	NUM
gujaf-67	98	24	6	6	NUM
gujaf-67	98	25	analysis	analysis	NOUN
gujaf-67	98	26	technique	technique	NOUN
gujaf-67	98	27	,	,	PUNCT
gujaf-67	98	28	found	find	VERB
gujaf-67	98	29	a	a	DET
gujaf-67	98	30	downward	downward	ADJ
gujaf-67	98	31	trend	trend	NOUN
gujaf-67	98	32	for	for	ADP
gujaf-67	98	33	all	all	DET
gujaf-67	98	34	the	the	DET
gujaf-67	98	35	indicators	indicator	NOUN
gujaf-67	98	36	during	during	ADP
gujaf-67	98	37	the	the	DET
gujaf-67	98	38	period	period	NOUN
gujaf-67	98	39	covered	cover	VERB
gujaf-67	98	40	.	.	PUNCT
gujaf-67	99	1	the	the	DET
gujaf-67	99	2	exclusion	exclusion	NOUN
gujaf-67	99	3	of	of	ADP
gujaf-67	99	4	liquidity	liquidity	NOUN
gujaf-67	99	5	and	and	CCONJ
gujaf-67	99	6	sensitivity	sensitivity	NOUN
gujaf-67	99	7	to	to	AUX
gujaf-67	99	8	market	market	NOUN
gujaf-67	99	9	risk	risk	NOUN
gujaf-67	99	10	from	from	ADP
gujaf-67	99	11	the	the	DET
gujaf-67	99	12	core	core	NOUN
gujaf-67	99	13	set	set	NOUN
gujaf-67	99	14	of	of	ADP
gujaf-67	99	15	fsis	fsis	NOUN
gujaf-67	99	16	covered	cover	VERB
gujaf-67	99	17	by	by	ADP
gujaf-67	99	18	the	the	DET
gujaf-67	99	19	study	study	NOUN
gujaf-67	99	20	has	have	AUX
gujaf-67	99	21	made	make	VERB
gujaf-67	99	22	the	the	DET
gujaf-67	99	23	findings	finding	NOUN
gujaf-67	99	24	not	not	PART
gujaf-67	99	25	generalisable	generalisable	ADJ
gujaf-67	99	26	to	to	ADP
gujaf-67	99	27	the	the	DET
gujaf-67	99	28	entire	entire	ADJ
gujaf-67	99	29	gamut	gamut	NOUN
gujaf-67	99	30	of	of	ADP
gujaf-67	99	31	imf	imf	PROPN
gujaf-67	99	32	’s	’s	PART
gujaf-67	99	33	core	core	NOUN
gujaf-67	99	34	set	set	NOUN
gujaf-67	99	35	of	of	ADP
gujaf-67	99	36	fsis	fsis	NOUN
gujaf-67	99	37	.	.	PUNCT
gujaf-67	100	1	chang	chang	PROPN
gujaf-67	100	2	(	(	PUNCT
gujaf-67	100	3	2016	2016	NUM
gujaf-67	100	4	)	)	PUNCT
gujaf-67	100	5	assessed	assess	VERB
gujaf-67	100	6	the	the	DET
gujaf-67	100	7	relationship	relationship	NOUN
gujaf-67	100	8	between	between	ADP
gujaf-67	100	9	fsis	fsis	NOUN
gujaf-67	100	10	,	,	PUNCT
gujaf-67	100	11	financial	financial	ADJ
gujaf-67	100	12	cycle	cycle	NOUN
gujaf-67	100	13	,	,	PUNCT
gujaf-67	100	14	credit	credit	NOUN
gujaf-67	100	15	cycle	cycle	NOUN
gujaf-67	100	16	and	and	CCONJ
gujaf-67	100	17	business	business	NOUN
gujaf-67	100	18	cycle	cycle	NOUN
gujaf-67	100	19	in	in	ADP
gujaf-67	100	20	taiwan	taiwan	PROPN
gujaf-67	100	21	financial	financial	ADJ
gujaf-67	100	22	system	system	NOUN
gujaf-67	100	23	using	use	VERB
gujaf-67	100	24	cyclical	cyclical	ADJ
gujaf-67	100	25	behaviour	behaviour	NOUN
gujaf-67	100	26	based	base	VERB
gujaf-67	100	27	quarterly	quarterly	ADJ
gujaf-67	100	28	data	datum	NOUN
gujaf-67	100	29	on	on	ADP
gujaf-67	100	30	indicators	indicator	NOUN
gujaf-67	100	31	of	of	ADP
gujaf-67	100	32	real	real	ADJ
gujaf-67	100	33	economic	economic	ADJ
gujaf-67	100	34	activity	activity	NOUN
gujaf-67	100	35	,	,	PUNCT
gujaf-67	100	36	lending	lending	NOUN
gujaf-67	100	37	and	and	CCONJ
gujaf-67	100	38	prices	price	NOUN
gujaf-67	100	39	of	of	ADP
gujaf-67	100	40	assets	asset	NOUN
gujaf-67	100	41	.	.	PUNCT
gujaf-67	101	1	the	the	DET
gujaf-67	101	2	study	study	NOUN
gujaf-67	101	3	also	also	ADV
gujaf-67	101	4	calculated	calculate	VERB
gujaf-67	101	5	concordance	concordance	NOUN
gujaf-67	101	6	index	index	NOUN
gujaf-67	101	7	to	to	PART
gujaf-67	101	8	examine	examine	VERB
gujaf-67	101	9	the	the	DET
gujaf-67	101	10	degree	degree	NOUN
gujaf-67	101	11	of	of	ADP
gujaf-67	101	12	synchronization	synchronization	NOUN
gujaf-67	101	13	among	among	ADP
gujaf-67	101	14	the	the	DET
gujaf-67	101	15	cycles	cycle	NOUN
gujaf-67	101	16	.	.	PUNCT
gujaf-67	102	1	the	the	DET
gujaf-67	102	2	probit	probit	NOUN
gujaf-67	102	3	estimation	estimation	NOUN
gujaf-67	102	4	result	result	NOUN
gujaf-67	102	5	shows	show	VERB
gujaf-67	102	6	that	that	SCONJ
gujaf-67	102	7	expansion	expansion	NOUN
gujaf-67	102	8	and	and	CCONJ
gujaf-67	102	9	contraction	contraction	NOUN
gujaf-67	102	10	phase	phase	NOUN
gujaf-67	102	11	of	of	ADP
gujaf-67	102	12	financial	financial	ADJ
gujaf-67	102	13	,	,	PUNCT
gujaf-67	102	14	credit	credit	NOUN
gujaf-67	102	15	and	and	CCONJ
gujaf-67	102	16	business	business	NOUN
gujaf-67	102	17	cycle	cycle	NOUN
gujaf-67	102	18	is	be	AUX
gujaf-67	102	19	enhanced	enhance	VERB
gujaf-67	102	20	during	during	ADP
gujaf-67	102	21	the	the	DET
gujaf-67	102	22	period	period	NOUN
gujaf-67	102	23	of	of	ADP
gujaf-67	102	24	the	the	DET
gujaf-67	102	25	study	study	NOUN
gujaf-67	102	26	.	.	PUNCT
gujaf-67	103	1	also	also	ADV
gujaf-67	103	2	,	,	PUNCT
gujaf-67	103	3	yaaba	yaaba	PROPN
gujaf-67	103	4	(	(	PUNCT
gujaf-67	103	5	2016	2016	NUM
gujaf-67	103	6	)	)	PUNCT
gujaf-67	103	7	examined	examine	VERB
gujaf-67	103	8	the	the	DET
gujaf-67	103	9	dynamic	dynamic	ADJ
gujaf-67	103	10	linkages	linkage	NOUN
gujaf-67	103	11	between	between	ADP
gujaf-67	103	12	fsis	fsis	NOUN
gujaf-67	103	13	and	and	CCONJ
gujaf-67	103	14	selected	select	VERB
gujaf-67	103	15	macroeconomic	macroeconomic	ADJ
gujaf-67	103	16	variables	variable	NOUN
gujaf-67	103	17	in	in	ADP
gujaf-67	103	18	nigeria	nigeria	PROPN
gujaf-67	103	19	using	use	VERB
gujaf-67	103	20	quarterly	quarterly	ADJ
gujaf-67	103	21	data	datum	NOUN
gujaf-67	103	22	for	for	ADP
gujaf-67	103	23	the	the	DET
gujaf-67	103	24	period	period	NOUN
gujaf-67	103	25	2007	2007	NUM
gujaf-67	103	26	-	-	SYM
gujaf-67	103	27	2015	2015	NUM
gujaf-67	103	28	.	.	PUNCT
gujaf-67	104	1	the	the	DET
gujaf-67	104	2	result	result	NOUN
gujaf-67	104	3	of	of	ADP
gujaf-67	104	4	the	the	DET
gujaf-67	104	5	autoregressive	autoregressive	ADJ
gujaf-67	104	6	distributed	distribute	VERB
gujaf-67	104	7	lag	lag	NOUN
gujaf-67	104	8	approach	approach	NOUN
gujaf-67	104	9	indicated	indicate	VERB
gujaf-67	104	10	that	that	SCONJ
gujaf-67	104	11	overall	overall	ADJ
gujaf-67	104	12	,	,	PUNCT
gujaf-67	104	13	macroeconomic	macroeconomic	ADJ
gujaf-67	104	14	events	event	NOUN
gujaf-67	104	15	significantly	significantly	ADV
gujaf-67	104	16	affect	affect	VERB
gujaf-67	104	17	the	the	DET
gujaf-67	104	18	state	state	NOUN
gujaf-67	104	19	of	of	ADP
gujaf-67	104	20	health	health	NOUN
gujaf-67	104	21	of	of	ADP
gujaf-67	104	22	the	the	DET
gujaf-67	104	23	nigeria	nigeria	PROPN
gujaf-67	104	24	financial	financial	ADJ
gujaf-67	104	25	system	system	NOUN
gujaf-67	104	26	.	.	PUNCT
gujaf-67	105	1	with	with	ADP
gujaf-67	105	2	regard	regard	NOUN
gujaf-67	105	3	to	to	ADP
gujaf-67	105	4	specific	specific	ADJ
gujaf-67	105	5	fsis	fsis	NOUN
gujaf-67	105	6	variables	variable	NOUN
gujaf-67	105	7	,	,	PUNCT
gujaf-67	105	8	the	the	DET
gujaf-67	105	9	study	study	NOUN
gujaf-67	105	10	found	find	VERB
gujaf-67	105	11	that	that	SCONJ
gujaf-67	105	12	changes	change	NOUN
gujaf-67	105	13	in	in	ADP
gujaf-67	105	14	the	the	DET
gujaf-67	105	15	level	level	NOUN
gujaf-67	105	16	of	of	ADP
gujaf-67	105	17	economic	economic	ADJ
gujaf-67	105	18	activities	activity	NOUN
gujaf-67	105	19	negatively	negatively	ADV
gujaf-67	105	20	affect	affect	VERB
gujaf-67	105	21	capital	capital	NOUN
gujaf-67	105	22	adequacy	adequacy	NOUN
gujaf-67	105	23	and	and	CCONJ
gujaf-67	105	24	positively	positively	ADV
gujaf-67	105	25	affect	affect	VERB
gujaf-67	105	26	asset	asset	NOUN
gujaf-67	105	27	quality	quality	NOUN
gujaf-67	105	28	and	and	CCONJ
gujaf-67	105	29	profitability	profitability	NOUN
gujaf-67	105	30	.	.	PUNCT
gujaf-67	106	1	on	on	ADP
gujaf-67	106	2	their	their	PRON
gujaf-67	106	3	part	part	NOUN
gujaf-67	106	4	,	,	PUNCT
gujaf-67	106	5	masud	masud	PROPN
gujaf-67	106	6	and	and	CCONJ
gujaf-67	106	7	haq	haq	PROPN
gujaf-67	106	8	(	(	PUNCT
gujaf-67	106	9	2016	2016	NUM
gujaf-67	106	10	)	)	PUNCT
gujaf-67	106	11	analysed	analyse	VERB
gujaf-67	106	12	the	the	DET
gujaf-67	106	13	financial	financial	ADJ
gujaf-67	106	14	soundness	soundness	NOUN
gujaf-67	106	15	trend	trend	NOUN
gujaf-67	106	16	of	of	ADP
gujaf-67	106	17	selected	select	VERB
gujaf-67	106	18	bangladesh	bangladesh	NOUN
gujaf-67	106	19	banks	bank	NOUN
gujaf-67	106	20	using	use	VERB
gujaf-67	106	21	different	different	ADJ
gujaf-67	106	22	statistical	statistical	ADJ
gujaf-67	106	23	tools	tool	NOUN
gujaf-67	106	24	and	and	CCONJ
gujaf-67	106	25	financial	financial	ADJ
gujaf-67	106	26	indicators	indicator	NOUN
gujaf-67	106	27	for	for	ADP
gujaf-67	106	28	the	the	DET
gujaf-67	106	29	period	period	NOUN
gujaf-67	106	30	2006	2006	NUM
gujaf-67	106	31	-	-	SYM
gujaf-67	106	32	2014	2014	NUM
gujaf-67	106	33	.	.	PUNCT
gujaf-67	107	1	the	the	DET
gujaf-67	107	2	study	study	NOUN
gujaf-67	107	3	showed	show	VERB
gujaf-67	107	4	that	that	SCONJ
gujaf-67	107	5	different	different	ADJ
gujaf-67	107	6	financial	financial	ADJ
gujaf-67	107	7	indicators	indicator	NOUN
gujaf-67	107	8	exhibited	exhibit	VERB
gujaf-67	107	9	upward	upward	ADJ
gujaf-67	107	10	trends	trend	NOUN
gujaf-67	107	11	during	during	ADP
gujaf-67	107	12	the	the	DET
gujaf-67	107	13	period	period	NOUN
gujaf-67	107	14	covered	cover	VERB
gujaf-67	107	15	.	.	PUNCT
gujaf-67	108	1	in	in	ADP
gujaf-67	108	2	terms	term	NOUN
gujaf-67	108	3	of	of	ADP
gujaf-67	108	4	ranking	ranking	NOUN
gujaf-67	108	5	of	of	ADP
gujaf-67	108	6	the	the	DET
gujaf-67	108	7	financial	financial	ADJ
gujaf-67	108	8	indicators	indicator	NOUN
gujaf-67	108	9	used	use	VERB
gujaf-67	108	10	,	,	PUNCT
gujaf-67	108	11	the	the	DET
gujaf-67	108	12	study	study	NOUN
gujaf-67	108	13	found	find	VERB
gujaf-67	108	14	that	that	SCONJ
gujaf-67	108	15	higher	high	ADJ
gujaf-67	108	16	deposits	deposit	NOUN
gujaf-67	108	17	,	,	PUNCT
gujaf-67	108	18	loans	loan	NOUN
gujaf-67	108	19	and	and	CCONJ
gujaf-67	108	20	advances	advance	NOUN
gujaf-67	108	21	,	,	PUNCT
gujaf-67	108	22	investments	investment	NOUN
gujaf-67	108	23	,	,	PUNCT
gujaf-67	108	24	branches	branch	NOUN
gujaf-67	108	25	,	,	PUNCT
gujaf-67	108	26	employees	employee	NOUN
gujaf-67	108	27	do	do	AUX
gujaf-67	108	28	not	not	PART
gujaf-67	108	29	necessarily	necessarily	ADV
gujaf-67	108	30	translate	translate	VERB
gujaf-67	108	31	into	into	ADP
gujaf-67	108	32	higher	high	ADJ
gujaf-67	108	33	profit	profit	NOUN
gujaf-67	108	34	of	of	ADP
gujaf-67	108	35	banks	bank	NOUN
gujaf-67	108	36	in	in	ADP
gujaf-67	108	37	bangladesh	bangladesh	NOUN
gujaf-67	108	38	.	.	PUNCT
gujaf-67	109	1	rahman	rahman	PROPN
gujaf-67	109	2	(	(	PUNCT
gujaf-67	109	3	2017	2017	NUM
gujaf-67	109	4	)	)	PUNCT
gujaf-67	109	5	assessed	assess	VERB
gujaf-67	109	6	the	the	DET
gujaf-67	109	7	financial	financial	ADJ
gujaf-67	109	8	soundness	soundness	NOUN
gujaf-67	109	9	of	of	ADP
gujaf-67	109	10	twenty	twenty	NUM
gujaf-67	109	11	-	-	PUNCT
gujaf-67	109	12	four	four	NUM
gujaf-67	109	13	private	private	ADJ
gujaf-67	109	14	commercial	commercial	ADJ
gujaf-67	109	15	banks	bank	NOUN
gujaf-67	109	16	in	in	ADP
gujaf-67	109	17	bangladesh	bangladesh	NOUN
gujaf-67	109	18	for	for	ADP
gujaf-67	109	19	the	the	DET
gujaf-67	109	20	period	period	NOUN
gujaf-67	109	21	2010	2010	NUM
gujaf-67	109	22	-	-	SYM
gujaf-67	109	23	2015	2015	NUM
gujaf-67	109	24	using	use	VERB
gujaf-67	109	25	bankometer	bankometer	ADJ
gujaf-67	109	26	model	model	NOUN
gujaf-67	109	27	that	that	PRON
gujaf-67	109	28	was	be	AUX
gujaf-67	109	29	developed	develop	VERB
gujaf-67	109	30	according	accord	VERB
gujaf-67	109	31	to	to	ADP
gujaf-67	109	32	the	the	DET
gujaf-67	109	33	imf	imf	PROPN
gujaf-67	109	34	's	's	PART
gujaf-67	109	35	guidelines	guideline	NOUN
gujaf-67	109	36	for	for	ADP
gujaf-67	109	37	measuring	measure	VERB
gujaf-67	109	38	bank	bank	NOUN
gujaf-67	109	39	financial	financial	ADJ
gujaf-67	109	40	soundness	soundness	NOUN
gujaf-67	109	41	.	.	PUNCT
gujaf-67	110	1	the	the	DET
gujaf-67	110	2	study	study	NOUN
gujaf-67	110	3	found	find	VERB
gujaf-67	110	4	that	that	SCONJ
gujaf-67	110	5	all	all	DET
gujaf-67	110	6	the	the	DET
gujaf-67	110	7	banks	bank	NOUN
gujaf-67	110	8	have	have	AUX
gujaf-67	110	9	ensured	ensure	VERB
gujaf-67	110	10	sound	sound	ADJ
gujaf-67	110	11	financial	financial	ADJ
gujaf-67	110	12	status	status	NOUN
gujaf-67	110	13	individually	individually	ADV
gujaf-67	110	14	and	and	CCONJ
gujaf-67	110	15	the	the	DET
gujaf-67	110	16	industry	industry	NOUN
gujaf-67	110	17	as	as	ADP
gujaf-67	110	18	a	a	DET
gujaf-67	110	19	whole	whole	NOUN
gujaf-67	110	20	has	have	AUX
gujaf-67	110	21	been	be	AUX
gujaf-67	110	22	in	in	ADP
gujaf-67	110	23	a	a	DET
gujaf-67	110	24	favourable	favourable	ADJ
gujaf-67	110	25	position	position	NOUN
gujaf-67	110	26	throughout	throughout	ADP
gujaf-67	110	27	the	the	DET
gujaf-67	110	28	period	period	NOUN
gujaf-67	110	29	of	of	ADP
gujaf-67	110	30	the	the	DET
gujaf-67	110	31	study	study	NOUN
gujaf-67	110	32	.	.	PUNCT
gujaf-67	111	1	though	though	SCONJ
gujaf-67	111	2	the	the	DET
gujaf-67	111	3	study	study	NOUN
gujaf-67	111	4	was	be	AUX
gujaf-67	111	5	on	on	ADP
gujaf-67	111	6	financial	financial	ADJ
gujaf-67	111	7	soundness	soundness	NOUN
gujaf-67	111	8	,	,	PUNCT
gujaf-67	111	9	the	the	DET
gujaf-67	111	10	variables	variable	NOUN
gujaf-67	111	11	covered	cover	VERB
gujaf-67	111	12	were	be	AUX
gujaf-67	111	13	not	not	PART
gujaf-67	111	14	the	the	DET
gujaf-67	111	15	same	same	ADJ
gujaf-67	111	16	with	with	ADP
gujaf-67	111	17	fsis	fsis	NOUN
gujaf-67	111	18	.	.	PUNCT
gujaf-67	112	1	fapohunda	fapohunda	ADV
gujaf-67	112	2	and	and	CCONJ
gujaf-67	112	3	eragbhe	eragbhe	NOUN
gujaf-67	112	4	(	(	PUNCT
gujaf-67	112	5	2017	2017	NUM
gujaf-67	112	6	)	)	PUNCT
gujaf-67	112	7	examined	examine	VERB
gujaf-67	112	8	the	the	DET
gujaf-67	112	9	impact	impact	NOUN
gujaf-67	112	10	of	of	ADP
gujaf-67	112	11	regulation	regulation	NOUN
gujaf-67	112	12	,	,	PUNCT
gujaf-67	112	13	financial	financial	ADJ
gujaf-67	112	14	development	development	NOUN
gujaf-67	112	15	and	and	CCONJ
gujaf-67	112	16	financial	financial	ADJ
gujaf-67	112	17	soundness	soundness	NOUN
gujaf-67	112	18	on	on	ADP
gujaf-67	112	19	performance	performance	NOUN
gujaf-67	112	20	of	of	ADP
gujaf-67	112	21	banks	bank	NOUN
gujaf-67	112	22	in	in	ADP
gujaf-67	112	23	nigeria	nigeria	PROPN
gujaf-67	112	24	for	for	ADP
gujaf-67	112	25	the	the	DET
gujaf-67	112	26	period	period	NOUN
gujaf-67	112	27	1985	1985	NUM
gujaf-67	112	28	-	-	SYM
gujaf-67	112	29	2015	2015	NUM
gujaf-67	112	30	.	.	PUNCT
gujaf-67	113	1	the	the	DET
gujaf-67	113	2	study	study	NOUN
gujaf-67	113	3	employed	employ	VERB
gujaf-67	113	4	multivariate	multivariate	NOUN
gujaf-67	113	5	ols	ol	NOUN
gujaf-67	113	6	,	,	PUNCT
gujaf-67	113	7	co	co	NOUN
gujaf-67	113	8	-	-	NOUN
gujaf-67	113	9	integration	integration	NOUN
gujaf-67	113	10	analysis	analysis	NOUN
gujaf-67	113	11	and	and	CCONJ
gujaf-67	113	12	associated	associate	VERB
gujaf-67	113	13	error	error	NOUN
gujaf-67	113	14	correction	correction	NOUN
gujaf-67	113	15	model	model	NOUN
gujaf-67	113	16	.	.	PUNCT
gujaf-67	114	1	the	the	DET
gujaf-67	114	2	results	result	NOUN
gujaf-67	114	3	of	of	ADP
gujaf-67	114	4	the	the	DET
gujaf-67	114	5	various	various	ADJ
gujaf-67	114	6	analyses	analysis	NOUN
gujaf-67	114	7	revealed	reveal	VERB
gujaf-67	114	8	that	that	SCONJ
gujaf-67	114	9	cash	cash	NOUN
gujaf-67	114	10	reserve	reserve	NOUN
gujaf-67	114	11	ratio	ratio	NOUN
gujaf-67	114	12	,	,	PUNCT
gujaf-67	114	13	monetary	monetary	ADJ
gujaf-67	114	14	policy	policy	NOUN
gujaf-67	114	15	rate	rate	NOUN
gujaf-67	114	16	,	,	PUNCT
gujaf-67	114	17	financial	financial	ADJ
gujaf-67	114	18	developments	development	NOUN
gujaf-67	114	19	and	and	CCONJ
gujaf-67	114	20	financial	financial	ADJ
gujaf-67	114	21	soundness	soundness	NOUN
gujaf-67	114	22	significantly	significantly	ADV
gujaf-67	114	23	affect	affect	VERB
gujaf-67	114	24	bank	bank	NOUN
gujaf-67	114	25	performance	performance	NOUN
gujaf-67	114	26	both	both	CCONJ
gujaf-67	114	27	in	in	ADP
gujaf-67	114	28	the	the	DET
gujaf-67	114	29	short	short	ADJ
gujaf-67	114	30	run	run	NOUN
gujaf-67	114	31	and	and	CCONJ
gujaf-67	114	32	long	long	ADV
gujaf-67	114	33	-	-	PUNCT
gujaf-67	114	34	run	run	NOUN
gujaf-67	114	35	.	.	PUNCT
gujaf-67	115	1	the	the	DET
gujaf-67	115	2	study	study	NOUN
gujaf-67	115	3	is	be	AUX
gujaf-67	115	4	comprehensive	comprehensive	ADJ
gujaf-67	115	5	except	except	SCONJ
gujaf-67	115	6	that	that	SCONJ
gujaf-67	115	7	a	a	DET
gujaf-67	115	8	lot	lot	NOUN
gujaf-67	115	9	of	of	ADP
gujaf-67	115	10	changes	change	NOUN
gujaf-67	115	11	and	and	CCONJ
gujaf-67	115	12	reforms	reform	NOUN
gujaf-67	115	13	had	have	AUX
gujaf-67	115	14	occurred	occur	VERB
gujaf-67	115	15	in	in	ADP
gujaf-67	115	16	nigeria	nigeria	PROPN
gujaf-67	115	17	’s	’s	PART
gujaf-67	115	18	financial	financial	ADJ
gujaf-67	115	19	system	system	NOUN
gujaf-67	115	20	between	between	ADP
gujaf-67	115	21	2016	2016	NUM
gujaf-67	115	22	and	and	CCONJ
gujaf-67	115	23	2018	2018	NUM
gujaf-67	115	24	due	due	ADJ
gujaf-67	115	25	to	to	ADP
gujaf-67	115	26	economic	economic	ADJ
gujaf-67	115	27	recession	recession	NOUN
gujaf-67	115	28	and	and	CCONJ
gujaf-67	115	29	other	other	ADJ
gujaf-67	115	30	global	global	ADJ
gujaf-67	115	31	happenings	happening	NOUN
gujaf-67	115	32	,	,	PUNCT
gujaf-67	115	33	which	which	PRON
gujaf-67	115	34	were	be	AUX
gujaf-67	115	35	not	not	PART
gujaf-67	115	36	captured	capture	VERB
gujaf-67	115	37	by	by	ADP
gujaf-67	115	38	the	the	DET
gujaf-67	115	39	study	study	NOUN
gujaf-67	115	40	.	.	PUNCT
gujaf-67	116	1	talibong	talibong	NOUN
gujaf-67	116	2	and	and	CCONJ
gujaf-67	116	3	simiyu	simiyu	PROPN
gujaf-67	116	4	(	(	PUNCT
gujaf-67	116	5	2018	2018	NUM
gujaf-67	116	6	)	)	PUNCT
gujaf-67	116	7	examined	examine	VERB
gujaf-67	116	8	the	the	DET
gujaf-67	116	9	effect	effect	NOUN
gujaf-67	116	10	of	of	ADP
gujaf-67	116	11	fsis	fsis	NOUN
gujaf-67	116	12	on	on	ADP
gujaf-67	116	13	the	the	DET
gujaf-67	116	14	financial	financial	ADJ
gujaf-67	116	15	performance	performance	NOUN
gujaf-67	116	16	of	of	ADP
gujaf-67	116	17	deposit	deposit	NOUN
gujaf-67	116	18	taking	take	VERB
gujaf-67	116	19	microfinance	microfinance	NOUN
gujaf-67	116	20	banks	bank	NOUN
gujaf-67	116	21	in	in	ADP
gujaf-67	116	22	kenya	kenya	PROPN
gujaf-67	116	23	.	.	PUNCT
gujaf-67	117	1	the	the	DET
gujaf-67	117	2	study	study	NOUN
gujaf-67	117	3	assessed	assess	VERB
gujaf-67	117	4	the	the	DET
gujaf-67	117	5	influence	influence	NOUN
gujaf-67	117	6	of	of	ADP
gujaf-67	117	7	capital	capital	NOUN
gujaf-67	117	8	adequacy	adequacy	NOUN
gujaf-67	117	9	,	,	PUNCT
gujaf-67	117	10	asset	asset	NOUN
gujaf-67	117	11	quality	quality	NOUN
gujaf-67	117	12	,	,	PUNCT
gujaf-67	117	13	sustainability	sustainability	NOUN
gujaf-67	117	14	financial	financial	ADJ
gujaf-67	117	15	cover	cover	NOUN
gujaf-67	117	16	,	,	PUNCT
gujaf-67	117	17	liquidity	liquidity	NOUN
gujaf-67	117	18	and	and	CCONJ
gujaf-67	117	19	investment	investment	NOUN
gujaf-67	117	20	growth	growth	NOUN
gujaf-67	117	21	on	on	ADP
gujaf-67	117	22	financial	financial	ADJ
gujaf-67	117	23	performance	performance	NOUN
gujaf-67	117	24	of	of	ADP
gujaf-67	117	25	13	13	NUM
gujaf-67	117	26	banks	bank	NOUN
gujaf-67	117	27	using	use	VERB
gujaf-67	117	28	causal	causal	ADJ
gujaf-67	117	29	research	research	NOUN
gujaf-67	117	30	design	design	NOUN
gujaf-67	117	31	for	for	ADP
gujaf-67	117	32	the	the	DET
gujaf-67	117	33	period	period	NOUN
gujaf-67	117	34	2012	2012	NUM
gujaf-67	117	35	-	-	SYM
gujaf-67	117	36	2017	2017	NUM
gujaf-67	117	37	.	.	PUNCT
gujaf-67	118	1	the	the	DET
gujaf-67	118	2	result	result	NOUN
gujaf-67	118	3	obtained	obtain	VERB
gujaf-67	118	4	from	from	ADP
gujaf-67	118	5	the	the	DET
gujaf-67	118	6	multiple	multiple	ADJ
gujaf-67	118	7	regression	regression	NOUN
gujaf-67	118	8	run	run	NOUN
gujaf-67	118	9	showed	show	VERB
gujaf-67	118	10	that	that	SCONJ
gujaf-67	118	11	capital	capital	NOUN
gujaf-67	118	12	adequacy	adequacy	NOUN
gujaf-67	118	13	,	,	PUNCT
gujaf-67	118	14	asset	asset	NOUN
gujaf-67	118	15	quality	quality	NOUN
gujaf-67	118	16	,	,	PUNCT
gujaf-67	118	17	liquidity	liquidity	NOUN
gujaf-67	118	18	,	,	PUNCT
gujaf-67	118	19	sustainability	sustainability	NOUN
gujaf-67	118	20	financial	financial	ADJ
gujaf-67	118	21	cover	cover	NOUN
gujaf-67	118	22	and	and	CCONJ
gujaf-67	118	23	investment	investment	NOUN
gujaf-67	118	24	growth	growth	NOUN
gujaf-67	118	25	explained	explain	VERB
gujaf-67	118	26	68.43	68.43	NUM
gujaf-67	118	27	%	%	NOUN
gujaf-67	118	28	of	of	ADP
gujaf-67	118	29	the	the	DET
gujaf-67	118	30	variation	variation	NOUN
gujaf-67	118	31	in	in	ADP
gujaf-67	118	32	financial	financial	ADJ
gujaf-67	118	33	performance	performance	NOUN
gujaf-67	118	34	of	of	ADP
gujaf-67	118	35	the	the	DET
gujaf-67	118	36	banks	bank	NOUN
gujaf-67	118	37	while	while	SCONJ
gujaf-67	118	38	the	the	DET
gujaf-67	118	39	combined	combined	ADJ
gujaf-67	118	40	effect	effect	NOUN
gujaf-67	118	41	of	of	ADP
gujaf-67	118	42	the	the	DET
gujaf-67	118	43	explanatory	explanatory	ADJ
gujaf-67	118	44	variables	variable	NOUN
gujaf-67	118	45	used	use	VERB
gujaf-67	118	46	in	in	ADP
gujaf-67	118	47	the	the	DET
gujaf-67	118	48	study	study	NOUN
gujaf-67	118	49	is	be	AUX
gujaf-67	118	50	statistically	statistically	ADV
gujaf-67	118	51	significant	significant	ADJ
gujaf-67	118	52	.	.	PUNCT
gujaf-67	119	1	in	in	ADP
gujaf-67	119	2	terms	term	NOUN
gujaf-67	119	3	of	of	ADP
gujaf-67	119	4	individual	individual	ADJ
gujaf-67	119	5	variables	variable	NOUN
gujaf-67	119	6	,	,	PUNCT
gujaf-67	119	7	the	the	DET
gujaf-67	119	8	study	study	NOUN
gujaf-67	119	9	found	find	VERB
gujaf-67	119	10	that	that	SCONJ
gujaf-67	119	11	capital	capital	NOUN
gujaf-67	119	12	adequacy	adequacy	NOUN
gujaf-67	119	13	,	,	PUNCT
gujaf-67	119	14	liquidity	liquidity	NOUN
gujaf-67	119	15	and	and	CCONJ
gujaf-67	119	16	investment	investment	NOUN
gujaf-67	119	17	growth	growth	NOUN
gujaf-67	119	18	have	have	VERB
gujaf-67	119	19	significant	significant	ADJ
gujaf-67	119	20	positive	positive	ADJ
gujaf-67	119	21	effect	effect	NOUN
gujaf-67	119	22	on	on	ADP
gujaf-67	119	23	financial	financial	ADJ
gujaf-67	119	24	gusau	gusau	ADJ
gujaf-67	119	25	journal	journal	NOUN
gujaf-67	119	26	of	of	ADP
gujaf-67	119	27	accounting	accounting	NOUN
gujaf-67	119	28	and	and	CCONJ
gujaf-67	119	29	finance	finance	NOUN
gujaf-67	119	30	,	,	PUNCT
gujaf-67	119	31	vol	vol	NOUN
gujaf-67	119	32	.	.	PROPN
gujaf-67	119	33	2	2	NUM
gujaf-67	119	34	,	,	PUNCT
gujaf-67	119	35	issue	issue	NOUN
gujaf-67	119	36	2	2	NUM
gujaf-67	119	37	,	,	PUNCT
gujaf-67	119	38	april	april	PROPN
gujaf-67	119	39	,	,	PUNCT
gujaf-67	119	40	2021	2021	NUM
gujaf-67	119	41	7	7	NUM
gujaf-67	119	42	performance	performance	NOUN
gujaf-67	119	43	of	of	ADP
gujaf-67	119	44	the	the	DET
gujaf-67	119	45	banks	bank	NOUN
gujaf-67	119	46	while	while	SCONJ
gujaf-67	119	47	asset	asset	NOUN
gujaf-67	119	48	quality	quality	NOUN
gujaf-67	119	49	and	and	CCONJ
gujaf-67	119	50	sustainability	sustainability	NOUN
gujaf-67	119	51	financial	financial	ADJ
gujaf-67	119	52	cover	cover	NOUN
gujaf-67	119	53	have	have	VERB
gujaf-67	119	54	significant	significant	ADJ
gujaf-67	119	55	negative	negative	ADJ
gujaf-67	119	56	effect	effect	NOUN
gujaf-67	119	57	.	.	PUNCT
gujaf-67	120	1	jesuwunmi	jesuwunmi	PROPN
gujaf-67	120	2	et	et	PROPN
gujaf-67	120	3	al	al	PROPN
gujaf-67	120	4	.	.	PROPN
gujaf-67	121	1	(	(	PUNCT
gujaf-67	121	2	2019	2019	NUM
gujaf-67	121	3	)	)	PUNCT
gujaf-67	121	4	examined	examine	VERB
gujaf-67	121	5	the	the	DET
gujaf-67	121	6	effect	effect	NOUN
gujaf-67	121	7	of	of	ADP
gujaf-67	121	8	capital	capital	NOUN
gujaf-67	121	9	adequacy	adequacy	NOUN
gujaf-67	121	10	,	,	PUNCT
gujaf-67	121	11	liquid	liquid	ADJ
gujaf-67	121	12	asset	asset	NOUN
gujaf-67	121	13	and	and	CCONJ
gujaf-67	121	14	leverage	leverage	NOUN
gujaf-67	121	15	ratios	ratio	NOUN
gujaf-67	121	16	on	on	ADP
gujaf-67	121	17	financial	financial	ADJ
gujaf-67	121	18	performance	performance	NOUN
gujaf-67	121	19	of	of	ADP
gujaf-67	121	20	16	16	NUM
gujaf-67	121	21	deposit	deposit	NOUN
gujaf-67	121	22	money	money	NOUN
gujaf-67	121	23	banks	bank	NOUN
gujaf-67	121	24	in	in	ADP
gujaf-67	121	25	nigeria	nigeria	PROPN
gujaf-67	121	26	for	for	ADP
gujaf-67	121	27	the	the	DET
gujaf-67	121	28	period	period	NOUN
gujaf-67	121	29	2010	2010	NUM
gujaf-67	121	30	-	-	SYM
gujaf-67	121	31	2017	2017	NUM
gujaf-67	121	32	.	.	PUNCT
gujaf-67	122	1	the	the	DET
gujaf-67	122	2	study	study	NOUN
gujaf-67	122	3	,	,	PUNCT
gujaf-67	122	4	which	which	PRON
gujaf-67	122	5	adopted	adopt	VERB
gujaf-67	122	6	ex	ex	PRON
gujaf-67	122	7	post	post	NOUN
gujaf-67	122	8	factor	factor	NOUN
gujaf-67	122	9	design	design	NOUN
gujaf-67	122	10	,	,	PUNCT
gujaf-67	122	11	used	use	VERB
gujaf-67	122	12	return	return	NOUN
gujaf-67	122	13	on	on	ADP
gujaf-67	122	14	asset	asset	NOUN
gujaf-67	122	15	,	,	PUNCT
gujaf-67	122	16	asset	asset	NOUN
gujaf-67	122	17	quality	quality	NOUN
gujaf-67	122	18	,	,	PUNCT
gujaf-67	122	19	expense	expense	NOUN
gujaf-67	122	20	-	-	PUNCT
gujaf-67	122	21	revenue	revenue	NOUN
gujaf-67	122	22	and	and	CCONJ
gujaf-67	122	23	return	return	VERB
gujaf-67	122	24	on	on	ADP
gujaf-67	122	25	equity	equity	NOUN
gujaf-67	122	26	to	to	PART
gujaf-67	122	27	represent	represent	VERB
gujaf-67	122	28	financial	financial	ADJ
gujaf-67	122	29	performance	performance	NOUN
gujaf-67	122	30	.	.	PUNCT
gujaf-67	123	1	the	the	DET
gujaf-67	123	2	findings	finding	NOUN
gujaf-67	123	3	showed	show	VERB
gujaf-67	123	4	that	that	SCONJ
gujaf-67	123	5	capital	capital	NOUN
gujaf-67	123	6	adequacy	adequacy	NOUN
gujaf-67	123	7	,	,	PUNCT
gujaf-67	123	8	leverage	leverage	NOUN
gujaf-67	123	9	and	and	CCONJ
gujaf-67	123	10	liquid	liquid	ADJ
gujaf-67	123	11	asset	asset	NOUN
gujaf-67	123	12	ratios	ratio	NOUN
gujaf-67	123	13	have	have	VERB
gujaf-67	123	14	significant	significant	ADJ
gujaf-67	123	15	effect	effect	NOUN
gujaf-67	123	16	on	on	ADP
gujaf-67	123	17	dmbs	dmb	NOUN
gujaf-67	123	18	in	in	ADP
gujaf-67	123	19	nigeria	nigeria	PROPN
gujaf-67	123	20	.	.	PUNCT
gujaf-67	124	1	it	it	PRON
gujaf-67	124	2	also	also	ADV
gujaf-67	124	3	showed	show	VERB
gujaf-67	124	4	that	that	SCONJ
gujaf-67	124	5	there	there	PRON
gujaf-67	124	6	is	be	VERB
gujaf-67	124	7	no	no	DET
gujaf-67	124	8	significant	significant	ADJ
gujaf-67	124	9	difference	difference	NOUN
gujaf-67	124	10	in	in	ADP
gujaf-67	124	11	the	the	DET
gujaf-67	124	12	financial	financial	ADJ
gujaf-67	124	13	soundness	soundness	NOUN
gujaf-67	124	14	proxy	proxy	NOUN
gujaf-67	124	15	’s	’s	PART
gujaf-67	124	16	prediction	prediction	NOUN
gujaf-67	124	17	of	of	ADP
gujaf-67	124	18	international	international	ADJ
gujaf-67	124	19	and	and	CCONJ
gujaf-67	124	20	national	national	ADJ
gujaf-67	124	21	deposit	deposit	NOUN
gujaf-67	124	22	money	money	NOUN
gujaf-67	124	23	banks	bank	NOUN
gujaf-67	124	24	’	'	PUNCT
gujaf-67	124	25	financial	financial	ADJ
gujaf-67	124	26	performance	performance	NOUN
gujaf-67	124	27	surrogates	surrogate	NOUN
gujaf-67	124	28	used	use	VERB
gujaf-67	124	29	in	in	ADP
gujaf-67	124	30	the	the	DET
gujaf-67	124	31	study	study	NOUN
gujaf-67	124	32	except	except	SCONJ
gujaf-67	124	33	in	in	ADP
gujaf-67	124	34	the	the	DET
gujaf-67	124	35	case	case	NOUN
gujaf-67	124	36	of	of	ADP
gujaf-67	124	37	asset	asset	NOUN
gujaf-67	124	38	quality	quality	NOUN
gujaf-67	124	39	which	which	PRON
gujaf-67	124	40	shows	show	VERB
gujaf-67	124	41	significant	significant	ADJ
gujaf-67	124	42	difference	difference	NOUN
gujaf-67	124	43	.	.	PUNCT
gujaf-67	125	1	the	the	DET
gujaf-67	125	2	study	study	NOUN
gujaf-67	125	3	used	use	VERB
gujaf-67	125	4	some	some	PRON
gujaf-67	125	5	of	of	ADP
gujaf-67	125	6	the	the	DET
gujaf-67	125	7	firm	firm	ADJ
gujaf-67	125	8	-	-	PUNCT
gujaf-67	125	9	specific	specific	ADJ
gujaf-67	125	10	variables	variable	NOUN
gujaf-67	125	11	,	,	PUNCT
gujaf-67	125	12	which	which	PRON
gujaf-67	125	13	formed	form	VERB
gujaf-67	125	14	the	the	DET
gujaf-67	125	15	basis	basis	NOUN
gujaf-67	125	16	of	of	ADP
gujaf-67	125	17	fsis	fsis	NOUN
gujaf-67	125	18	.	.	PUNCT
gujaf-67	126	1	however	however	ADV
gujaf-67	126	2	,	,	PUNCT
gujaf-67	126	3	because	because	SCONJ
gujaf-67	126	4	its	its	PRON
gujaf-67	126	5	focus	focus	NOUN
gujaf-67	126	6	was	be	AUX
gujaf-67	126	7	not	not	PART
gujaf-67	126	8	on	on	ADP
gujaf-67	126	9	fsis	fsis	NOUN
gujaf-67	126	10	,	,	PUNCT
gujaf-67	126	11	sensitivity	sensitivity	NOUN
gujaf-67	126	12	to	to	PART
gujaf-67	126	13	market	market	NOUN
gujaf-67	126	14	risk	risk	NOUN
gujaf-67	126	15	was	be	AUX
gujaf-67	126	16	excluded	exclude	VERB
gujaf-67	126	17	from	from	ADP
gujaf-67	126	18	the	the	DET
gujaf-67	126	19	study	study	NOUN
gujaf-67	126	20	.	.	PUNCT
gujaf-67	127	1	yakubu	yakubu	PROPN
gujaf-67	127	2	et	et	PROPN
gujaf-67	127	3	al	al	PROPN
gujaf-67	127	4	.	.	PROPN
gujaf-67	127	5	(	(	PUNCT
gujaf-67	127	6	2020	2020	NUM
gujaf-67	127	7	)	)	PUNCT
gujaf-67	127	8	examined	examine	VERB
gujaf-67	127	9	the	the	DET
gujaf-67	127	10	relationship	relationship	NOUN
gujaf-67	127	11	between	between	ADP
gujaf-67	127	12	financial	financial	ADJ
gujaf-67	127	13	soundness	soundness	NOUN
gujaf-67	127	14	of	of	ADP
gujaf-67	127	15	nigeria	nigeria	PROPN
gujaf-67	127	16	's	's	PART
gujaf-67	127	17	banking	banking	NOUN
gujaf-67	127	18	sector	sector	NOUN
gujaf-67	127	19	and	and	CCONJ
gujaf-67	127	20	macroeconomic	macroeconomic	ADJ
gujaf-67	127	21	performance	performance	NOUN
gujaf-67	127	22	using	use	VERB
gujaf-67	127	23	balanced	balanced	ADJ
gujaf-67	127	24	quarterly	quarterly	ADJ
gujaf-67	127	25	data	datum	NOUN
gujaf-67	127	26	for	for	ADP
gujaf-67	127	27	the	the	DET
gujaf-67	127	28	period	period	NOUN
gujaf-67	127	29	2007	2007	NUM
gujaf-67	127	30	-	-	SYM
gujaf-67	127	31	2018	2018	NUM
gujaf-67	127	32	extracted	extract	VERB
gujaf-67	127	33	from	from	ADP
gujaf-67	127	34	various	various	ADJ
gujaf-67	127	35	sources	source	NOUN
gujaf-67	127	36	domiciled	domicile	VERB
gujaf-67	127	37	in	in	ADP
gujaf-67	127	38	the	the	DET
gujaf-67	127	39	central	central	ADJ
gujaf-67	127	40	bank	bank	PROPN
gujaf-67	127	41	of	of	ADP
gujaf-67	127	42	nigeria	nigeria	PROPN
gujaf-67	127	43	.	.	PUNCT
gujaf-67	128	1	the	the	DET
gujaf-67	128	2	study	study	NOUN
gujaf-67	128	3	applied	apply	VERB
gujaf-67	128	4	autoregressive	autoregressive	ADJ
gujaf-67	128	5	distributed	distribute	VERB
gujaf-67	128	6	lag	lag	NOUN
gujaf-67	128	7	approach	approach	NOUN
gujaf-67	128	8	to	to	PART
gujaf-67	128	9	examine	examine	VERB
gujaf-67	128	10	the	the	DET
gujaf-67	128	11	dynamic	dynamic	ADJ
gujaf-67	128	12	linkages	linkage	NOUN
gujaf-67	128	13	between	between	ADP
gujaf-67	128	14	fsis	fsis	NOUN
gujaf-67	128	15	and	and	CCONJ
gujaf-67	128	16	key	key	ADJ
gujaf-67	128	17	macroeconomic	macroeconomic	ADJ
gujaf-67	128	18	variables	variable	NOUN
gujaf-67	128	19	.	.	PUNCT
gujaf-67	129	1	the	the	DET
gujaf-67	129	2	result	result	NOUN
gujaf-67	129	3	indicated	indicate	VERB
gujaf-67	129	4	a	a	DET
gujaf-67	129	5	strong	strong	ADJ
gujaf-67	129	6	relationship	relationship	NOUN
gujaf-67	129	7	between	between	ADP
gujaf-67	129	8	financial	financial	ADJ
gujaf-67	129	9	soundness	soundness	NOUN
gujaf-67	129	10	indicators	indicator	NOUN
gujaf-67	129	11	and	and	CCONJ
gujaf-67	129	12	macroeconomic	macroeconomic	ADJ
gujaf-67	129	13	variables	variable	NOUN
gujaf-67	129	14	.	.	PUNCT
gujaf-67	130	1	though	though	SCONJ
gujaf-67	130	2	the	the	DET
gujaf-67	130	3	study	study	NOUN
gujaf-67	130	4	covered	cover	VERB
gujaf-67	130	5	all	all	DET
gujaf-67	130	6	the	the	DET
gujaf-67	130	7	essentials	essential	NOUN
gujaf-67	130	8	of	of	ADP
gujaf-67	130	9	fsis	fsis	NOUN
gujaf-67	130	10	,	,	PUNCT
gujaf-67	130	11	its	its	PRON
gujaf-67	130	12	focus	focus	NOUN
gujaf-67	130	13	was	be	AUX
gujaf-67	130	14	not	not	PART
gujaf-67	130	15	on	on	ADP
gujaf-67	130	16	efficiency	efficiency	NOUN
gujaf-67	130	17	.	.	PUNCT
gujaf-67	131	1	there	there	PRON
gujaf-67	131	2	are	be	VERB
gujaf-67	131	3	also	also	ADV
gujaf-67	131	4	empirical	empirical	ADJ
gujaf-67	131	5	studies	study	NOUN
gujaf-67	131	6	on	on	ADP
gujaf-67	131	7	determinants	determinant	NOUN
gujaf-67	131	8	of	of	ADP
gujaf-67	131	9	bank	bank	NOUN
gujaf-67	131	10	efficiency	efficiency	NOUN
gujaf-67	131	11	.	.	PUNCT
gujaf-67	132	1	however	however	ADV
gujaf-67	132	2	,	,	PUNCT
gujaf-67	132	3	the	the	DET
gujaf-67	132	4	studies	study	NOUN
gujaf-67	132	5	mostly	mostly	ADV
gujaf-67	132	6	focused	focus	VERB
gujaf-67	132	7	on	on	ADP
gujaf-67	132	8	firm	firm	ADJ
gujaf-67	132	9	-	-	PUNCT
gujaf-67	132	10	specific	specific	ADJ
gujaf-67	132	11	variables	variable	NOUN
gujaf-67	132	12	and	and	CCONJ
gujaf-67	132	13	few	few	ADJ
gujaf-67	132	14	other	other	ADJ
gujaf-67	132	15	studies	study	NOUN
gujaf-67	132	16	included	include	VERB
gujaf-67	132	17	some	some	DET
gujaf-67	132	18	macroeconomic	macroeconomic	ADJ
gujaf-67	132	19	variables	variable	NOUN
gujaf-67	132	20	.	.	PUNCT
gujaf-67	133	1	this	this	PRON
gujaf-67	133	2	means	mean	VERB
gujaf-67	133	3	,	,	PUNCT
gujaf-67	133	4	their	their	PRON
gujaf-67	133	5	studies	study	NOUN
gujaf-67	133	6	are	be	AUX
gujaf-67	133	7	different	different	ADJ
gujaf-67	133	8	from	from	ADP
gujaf-67	133	9	the	the	DET
gujaf-67	133	10	present	present	ADJ
gujaf-67	133	11	study	study	NOUN
gujaf-67	133	12	,	,	PUNCT
gujaf-67	133	13	which	which	PRON
gujaf-67	133	14	focused	focus	VERB
gujaf-67	133	15	on	on	ADP
gujaf-67	133	16	imf	imf	PROPN
gujaf-67	133	17	’s	’s	PART
gujaf-67	133	18	fsis	fsis	NOUN
gujaf-67	133	19	and	and	CCONJ
gujaf-67	133	20	efficiency	efficiency	NOUN
gujaf-67	133	21	of	of	ADP
gujaf-67	133	22	banks	bank	NOUN
gujaf-67	133	23	in	in	ADP
gujaf-67	133	24	nigeria	nigeria	PROPN
gujaf-67	133	25	.	.	PUNCT
gujaf-67	134	1	for	for	ADP
gujaf-67	134	2	example	example	NOUN
gujaf-67	134	3	,	,	PUNCT
gujaf-67	134	4	muazaroh	muazaroh	NOUN
gujaf-67	134	5	et	et	PROPN
gujaf-67	134	6	al	al	PROPN
gujaf-67	134	7	.	.	PROPN
gujaf-67	135	1	(	(	PUNCT
gujaf-67	135	2	2012	2012	NUM
gujaf-67	135	3	)	)	PUNCT
gujaf-67	135	4	assessed	assess	VERB
gujaf-67	135	5	the	the	DET
gujaf-67	135	6	factors	factor	NOUN
gujaf-67	135	7	that	that	PRON
gujaf-67	135	8	determine	determine	VERB
gujaf-67	135	9	indonesian	indonesian	ADJ
gujaf-67	135	10	banks	bank	NOUN
gujaf-67	135	11	’	’	PART
gujaf-67	135	12	profit	profit	NOUN
gujaf-67	135	13	efficiency	efficiency	NOUN
gujaf-67	135	14	from	from	ADP
gujaf-67	135	15	2005	2005	NUM
gujaf-67	135	16	to	to	ADP
gujaf-67	135	17	2009	2009	NUM
gujaf-67	135	18	using	use	VERB
gujaf-67	135	19	stochastic	stochastic	ADJ
gujaf-67	135	20	frontier	frontier	NOUN
gujaf-67	135	21	analysis	analysis	NOUN
gujaf-67	135	22	(	(	PUNCT
gujaf-67	135	23	sfa	sfa	NOUN
gujaf-67	135	24	)	)	PUNCT
gujaf-67	135	25	and	and	CCONJ
gujaf-67	135	26	scores	score	NOUN
gujaf-67	135	27	-	-	PUNCT
gujaf-67	135	28	based	base	VERB
gujaf-67	135	29	regression	regression	NOUN
gujaf-67	135	30	technique	technique	NOUN
gujaf-67	135	31	.	.	PUNCT
gujaf-67	136	1	the	the	DET
gujaf-67	136	2	findings	finding	NOUN
gujaf-67	136	3	indicated	indicate	VERB
gujaf-67	136	4	that	that	SCONJ
gujaf-67	136	5	the	the	DET
gujaf-67	136	6	scoreefficiency	scoreefficiency	NOUN
gujaf-67	136	7	of	of	ADP
gujaf-67	136	8	indonesian	indonesian	ADJ
gujaf-67	136	9	banks	bank	NOUN
gujaf-67	136	10	is	be	AUX
gujaf-67	136	11	inefficient	inefficient	ADJ
gujaf-67	136	12	.	.	PUNCT
gujaf-67	137	1	the	the	DET
gujaf-67	137	2	result	result	NOUN
gujaf-67	137	3	further	far	ADV
gujaf-67	137	4	showed	show	VERB
gujaf-67	137	5	that	that	DET
gujaf-67	137	6	size	size	NOUN
gujaf-67	137	7	,	,	PUNCT
gujaf-67	137	8	capital	capital	NOUN
gujaf-67	137	9	,	,	PUNCT
gujaf-67	137	10	ownership	ownership	NOUN
gujaf-67	137	11	structure	structure	NOUN
gujaf-67	137	12	and	and	CCONJ
gujaf-67	137	13	market	market	NOUN
gujaf-67	137	14	share	share	NOUN
gujaf-67	137	15	significantly	significantly	ADV
gujaf-67	137	16	affect	affect	VERB
gujaf-67	137	17	bank	bank	NOUN
gujaf-67	137	18	profit	profit	NOUN
gujaf-67	137	19	efficiency	efficiency	NOUN
gujaf-67	137	20	.	.	PUNCT
gujaf-67	138	1	řepková	řepková	ADV
gujaf-67	138	2	(	(	PUNCT
gujaf-67	138	3	2015	2015	NUM
gujaf-67	138	4	)	)	PUNCT
gujaf-67	138	5	assessed	assess	VERB
gujaf-67	138	6	the	the	DET
gujaf-67	138	7	determinants	determinant	NOUN
gujaf-67	138	8	of	of	ADP
gujaf-67	138	9	efficiency	efficiency	NOUN
gujaf-67	138	10	in	in	ADP
gujaf-67	138	11	the	the	DET
gujaf-67	138	12	czech	czech	ADJ
gujaf-67	138	13	banking	banking	NOUN
gujaf-67	138	14	sector	sector	NOUN
gujaf-67	138	15	for	for	ADP
gujaf-67	138	16	the	the	DET
gujaf-67	138	17	period	period	NOUN
gujaf-67	138	18	2001	2001	NUM
gujaf-67	138	19	-	-	SYM
gujaf-67	138	20	2012	2012	NUM
gujaf-67	138	21	using	use	VERB
gujaf-67	138	22	data	datum	NOUN
gujaf-67	138	23	envelopment	envelopment	ADJ
gujaf-67	138	24	analysis	analysis	NOUN
gujaf-67	138	25	.	.	PUNCT
gujaf-67	139	1	the	the	DET
gujaf-67	139	2	analysis	analysis	NOUN
gujaf-67	139	3	revealed	reveal	VERB
gujaf-67	139	4	that	that	SCONJ
gujaf-67	139	5	on	on	ADP
gujaf-67	139	6	one	one	NUM
gujaf-67	139	7	hand	hand	NOUN
gujaf-67	139	8	,	,	PUNCT
gujaf-67	139	9	level	level	NOUN
gujaf-67	139	10	of	of	ADP
gujaf-67	139	11	capitalisation	capitalisation	NOUN
gujaf-67	139	12	,	,	PUNCT
gujaf-67	139	13	liquidity	liquidity	NOUN
gujaf-67	139	14	risk	risk	NOUN
gujaf-67	139	15	and	and	CCONJ
gujaf-67	139	16	riskiness	riskiness	NOUN
gujaf-67	139	17	of	of	ADP
gujaf-67	139	18	portfolio	portfolio	NOUN
gujaf-67	139	19	have	have	VERB
gujaf-67	139	20	significant	significant	ADJ
gujaf-67	139	21	positive	positive	ADJ
gujaf-67	139	22	effect	effect	NOUN
gujaf-67	139	23	on	on	ADP
gujaf-67	139	24	the	the	DET
gujaf-67	139	25	efficiency	efficiency	NOUN
gujaf-67	139	26	of	of	ADP
gujaf-67	139	27	banks	bank	NOUN
gujaf-67	139	28	in	in	ADP
gujaf-67	139	29	czech	czech	PROPN
gujaf-67	139	30	.	.	PUNCT
gujaf-67	140	1	on	on	ADP
gujaf-67	140	2	other	other	ADJ
gujaf-67	140	3	hand	hand	NOUN
gujaf-67	140	4	,	,	PUNCT
gujaf-67	140	5	return	return	VERB
gujaf-67	140	6	on	on	ADP
gujaf-67	140	7	assets	asset	NOUN
gujaf-67	140	8	(	(	PUNCT
gujaf-67	140	9	roa	roa	NOUN
gujaf-67	140	10	)	)	PUNCT
gujaf-67	140	11	,	,	PUNCT
gujaf-67	140	12	interest	interest	NOUN
gujaf-67	140	13	rate	rate	NOUN
gujaf-67	140	14	and	and	CCONJ
gujaf-67	140	15	gdp	gdp	NOUN
gujaf-67	140	16	are	be	AUX
gujaf-67	140	17	found	find	VERB
gujaf-67	140	18	to	to	PART
gujaf-67	140	19	have	have	VERB
gujaf-67	140	20	significant	significant	ADJ
gujaf-67	140	21	negative	negative	ADJ
gujaf-67	140	22	effect	effect	NOUN
gujaf-67	140	23	on	on	ADP
gujaf-67	140	24	efficiency	efficiency	NOUN
gujaf-67	140	25	of	of	ADP
gujaf-67	140	26	the	the	DET
gujaf-67	140	27	banks	bank	NOUN
gujaf-67	140	28	.	.	PUNCT
gujaf-67	141	1	the	the	DET
gujaf-67	141	2	result	result	NOUN
gujaf-67	141	3	showed	show	VERB
gujaf-67	141	4	that	that	SCONJ
gujaf-67	141	5	the	the	DET
gujaf-67	141	6	effect	effect	NOUN
gujaf-67	141	7	of	of	ADP
gujaf-67	141	8	other	other	ADJ
gujaf-67	141	9	determinants	determinant	NOUN
gujaf-67	141	10	used	use	VERB
gujaf-67	141	11	in	in	ADP
gujaf-67	141	12	the	the	DET
gujaf-67	141	13	study	study	NOUN
gujaf-67	141	14	on	on	ADP
gujaf-67	141	15	bank	bank	NOUN
gujaf-67	141	16	efficiency	efficiency	NOUN
gujaf-67	141	17	were	be	AUX
gujaf-67	141	18	not	not	PART
gujaf-67	141	19	statistical	statistical	ADJ
gujaf-67	141	20	significant	significant	ADJ
gujaf-67	141	21	.	.	PUNCT
gujaf-67	142	1	kamarudina	kamarudina	PROPN
gujaf-67	142	2	et	et	PROPN
gujaf-67	142	3	al	al	PROPN
gujaf-67	142	4	.	.	PROPN
gujaf-67	143	1	(	(	PUNCT
gujaf-67	143	2	2017	2017	NUM
gujaf-67	143	3	)	)	PUNCT
gujaf-67	143	4	examined	examine	VERB
gujaf-67	143	5	the	the	DET
gujaf-67	143	6	efficiency	efficiency	NOUN
gujaf-67	143	7	of	of	ADP
gujaf-67	143	8	29	29	NUM
gujaf-67	143	9	domestic	domestic	ADJ
gujaf-67	143	10	and	and	CCONJ
gujaf-67	143	11	foreign	foreign	ADJ
gujaf-67	143	12	islamic	islamic	ADJ
gujaf-67	143	13	banks	bank	NOUN
gujaf-67	143	14	from	from	ADP
gujaf-67	143	15	malaysia	malaysia	PROPN
gujaf-67	143	16	,	,	PUNCT
gujaf-67	143	17	indonesia	indonesia	PROPN
gujaf-67	143	18	and	and	CCONJ
gujaf-67	143	19	brunei	brunei	PROPN
gujaf-67	143	20	for	for	ADP
gujaf-67	143	21	the	the	DET
gujaf-67	143	22	period	period	NOUN
gujaf-67	143	23	of	of	ADP
gujaf-67	143	24	2006	2006	NUM
gujaf-67	143	25	-	-	SYM
gujaf-67	143	26	2014	2014	NUM
gujaf-67	143	27	.	.	PUNCT
gujaf-67	144	1	the	the	DET
gujaf-67	144	2	study	study	NOUN
gujaf-67	144	3	employed	employ	VERB
gujaf-67	144	4	data	datum	NOUN
gujaf-67	144	5	envelopment	envelopment	ADJ
gujaf-67	144	6	analysis	analysis	NOUN
gujaf-67	144	7	(	(	PUNCT
gujaf-67	144	8	dea	dea	NOUN
gujaf-67	144	9	)	)	PUNCT
gujaf-67	144	10	method	method	NOUN
gujaf-67	144	11	to	to	PART
gujaf-67	144	12	measure	measure	VERB
gujaf-67	144	13	efficiency	efficiency	NOUN
gujaf-67	144	14	,	,	PUNCT
gujaf-67	144	15	and	and	CCONJ
gujaf-67	144	16	applied	apply	VERB
gujaf-67	144	17	t	t	NOUN
gujaf-67	144	18	-	-	PUNCT
gujaf-67	144	19	test	test	NOUN
gujaf-67	144	20	,	,	PUNCT
gujaf-67	144	21	mann	mann	PROPN
gujaf-67	144	22	-	-	PUNCT
gujaf-67	144	23	whitney	whitney	PROPN
gujaf-67	144	24	wilcoxon	wilcoxon	PROPN
gujaf-67	144	25	and	and	CCONJ
gujaf-67	144	26	kruskall	kruskall	PROPN
gujaf-67	144	27	-	-	PUNCT
gujaf-67	144	28	wallis	wallis	PROPN
gujaf-67	144	29	tests	test	NOUN
gujaf-67	144	30	to	to	PART
gujaf-67	144	31	test	test	VERB
gujaf-67	144	32	for	for	ADP
gujaf-67	144	33	difference	difference	NOUN
gujaf-67	144	34	in	in	ADP
gujaf-67	144	35	the	the	DET
gujaf-67	144	36	efficiency	efficiency	NOUN
gujaf-67	144	37	of	of	ADP
gujaf-67	144	38	the	the	DET
gujaf-67	144	39	two	two	NUM
gujaf-67	144	40	types	type	NOUN
gujaf-67	144	41	of	of	ADP
gujaf-67	144	42	banks	bank	NOUN
gujaf-67	144	43	.	.	PUNCT
gujaf-67	145	1	the	the	DET
gujaf-67	145	2	analysis	analysis	NOUN
gujaf-67	145	3	revealed	reveal	VERB
gujaf-67	145	4	that	that	SCONJ
gujaf-67	145	5	domestic	domestic	ADJ
gujaf-67	145	6	islamic	islamic	ADJ
gujaf-67	145	7	banks	bank	NOUN
gujaf-67	145	8	have	have	VERB
gujaf-67	145	9	higher	high	ADJ
gujaf-67	145	10	efficiency	efficiency	NOUN
gujaf-67	145	11	levels	level	NOUN
gujaf-67	145	12	compared	compare	VERB
gujaf-67	145	13	to	to	ADP
gujaf-67	145	14	their	their	PRON
gujaf-67	145	15	foreign	foreign	ADJ
gujaf-67	145	16	peers	peer	NOUN
gujaf-67	145	17	.	.	PUNCT
gujaf-67	146	1	batir	batir	PROPN
gujaf-67	146	2	et	et	PROPN
gujaf-67	146	3	al	al	PROPN
gujaf-67	146	4	.	.	PROPN
gujaf-67	147	1	(	(	PUNCT
gujaf-67	147	2	2017	2017	NUM
gujaf-67	147	3	)	)	PUNCT
gujaf-67	147	4	applied	apply	VERB
gujaf-67	147	5	tobit	tobit	NOUN
gujaf-67	147	6	regression	regression	NOUN
gujaf-67	147	7	to	to	PART
gujaf-67	147	8	examine	examine	VERB
gujaf-67	147	9	the	the	DET
gujaf-67	147	10	determinants	determinant	NOUN
gujaf-67	147	11	of	of	ADP
gujaf-67	147	12	efficiency	efficiency	NOUN
gujaf-67	147	13	among	among	ADP
gujaf-67	147	14	islamic	islamic	ADJ
gujaf-67	147	15	and	and	CCONJ
gujaf-67	147	16	conventional	conventional	ADJ
gujaf-67	147	17	banks	bank	NOUN
gujaf-67	147	18	in	in	ADP
gujaf-67	147	19	turkey	turkey	NOUN
gujaf-67	147	20	for	for	ADP
gujaf-67	147	21	the	the	DET
gujaf-67	147	22	period	period	NOUN
gujaf-67	147	23	2005	2005	NUM
gujaf-67	147	24	-	-	SYM
gujaf-67	147	25	2013	2013	NUM
gujaf-67	147	26	.	.	PUNCT
gujaf-67	148	1	the	the	DET
gujaf-67	148	2	sample	sample	NOUN
gujaf-67	148	3	of	of	ADP
gujaf-67	148	4	the	the	DET
gujaf-67	148	5	study	study	NOUN
gujaf-67	148	6	consists	consist	VERB
gujaf-67	148	7	of	of	ADP
gujaf-67	148	8	4	4	NUM
gujaf-67	148	9	islamic	islamic	ADJ
gujaf-67	148	10	banks	bank	NOUN
gujaf-67	148	11	and	and	CCONJ
gujaf-67	148	12	27	27	NUM
gujaf-67	148	13	conventional	conventional	ADJ
gujaf-67	148	14	banks	bank	NOUN
gujaf-67	148	15	.	.	PUNCT
gujaf-67	149	1	the	the	DET
gujaf-67	149	2	analysis	analysis	NOUN
gujaf-67	149	3	showed	show	VERB
gujaf-67	149	4	that	that	SCONJ
gujaf-67	149	5	expenses	expense	NOUN
gujaf-67	149	6	and	and	CCONJ
gujaf-67	149	7	gusau	gusau	ADJ
gujaf-67	149	8	journal	journal	NOUN
gujaf-67	149	9	of	of	ADP
gujaf-67	149	10	accounting	accounting	NOUN
gujaf-67	149	11	and	and	CCONJ
gujaf-67	149	12	finance	finance	NOUN
gujaf-67	149	13	,	,	PUNCT
gujaf-67	149	14	vol	vol	NOUN
gujaf-67	149	15	.	.	PROPN
gujaf-67	149	16	2	2	NUM
gujaf-67	149	17	,	,	PUNCT
gujaf-67	149	18	issue	issue	NOUN
gujaf-67	149	19	2	2	NUM
gujaf-67	149	20	,	,	PUNCT
gujaf-67	149	21	april	april	PROPN
gujaf-67	149	22	,	,	PUNCT
gujaf-67	149	23	2021	2021	NUM
gujaf-67	149	24	8	8	NUM
gujaf-67	149	25	loan	loan	NOUN
gujaf-67	149	26	quality	quality	NOUN
gujaf-67	149	27	have	have	VERB
gujaf-67	149	28	significant	significant	ADJ
gujaf-67	149	29	negative	negative	ADJ
gujaf-67	149	30	relationship	relationship	NOUN
gujaf-67	149	31	with	with	ADP
gujaf-67	149	32	efficiency	efficiency	NOUN
gujaf-67	149	33	of	of	ADP
gujaf-67	149	34	conventional	conventional	ADJ
gujaf-67	149	35	banks	bank	NOUN
gujaf-67	149	36	,	,	PUNCT
gujaf-67	149	37	and	and	CCONJ
gujaf-67	149	38	significant	significant	ADJ
gujaf-67	149	39	positive	positive	ADJ
gujaf-67	149	40	relationship	relationship	NOUN
gujaf-67	149	41	with	with	ADP
gujaf-67	149	42	the	the	DET
gujaf-67	149	43	efficiency	efficiency	NOUN
gujaf-67	149	44	of	of	ADP
gujaf-67	149	45	islamic	islamic	ADJ
gujaf-67	149	46	banks	bank	NOUN
gujaf-67	149	47	.	.	PUNCT
gujaf-67	150	1	the	the	DET
gujaf-67	150	2	analysis	analysis	NOUN
gujaf-67	150	3	also	also	ADV
gujaf-67	150	4	revealed	reveal	VERB
gujaf-67	150	5	that	that	SCONJ
gujaf-67	150	6	total	total	ADJ
gujaf-67	150	7	loans	loan	NOUN
gujaf-67	150	8	have	have	VERB
gujaf-67	150	9	a	a	DET
gujaf-67	150	10	significant	significant	ADJ
gujaf-67	150	11	positive	positive	ADJ
gujaf-67	150	12	relationship	relationship	NOUN
gujaf-67	150	13	and	and	CCONJ
gujaf-67	150	14	external	external	ADJ
gujaf-67	150	15	variables	variable	NOUN
gujaf-67	150	16	have	have	VERB
gujaf-67	150	17	significant	significant	ADJ
gujaf-67	150	18	negative	negative	ADJ
gujaf-67	150	19	relationship	relationship	NOUN
gujaf-67	150	20	with	with	ADP
gujaf-67	150	21	the	the	DET
gujaf-67	150	22	efficiency	efficiency	NOUN
gujaf-67	150	23	of	of	ADP
gujaf-67	150	24	both	both	DET
gujaf-67	150	25	types	type	NOUN
gujaf-67	150	26	of	of	ADP
gujaf-67	150	27	the	the	DET
gujaf-67	150	28	banks	bank	NOUN
gujaf-67	150	29	.	.	PUNCT
gujaf-67	151	1	zeb	zeb	PROPN
gujaf-67	151	2	and	and	CCONJ
gujaf-67	151	3	sattar	sattar	PROPN
gujaf-67	151	4	(	(	PUNCT
gujaf-67	151	5	2017	2017	NUM
gujaf-67	151	6	)	)	PUNCT
gujaf-67	151	7	assessed	assess	VERB
gujaf-67	151	8	the	the	DET
gujaf-67	151	9	effect	effect	NOUN
gujaf-67	151	10	of	of	ADP
gujaf-67	151	11	profit	profit	NOUN
gujaf-67	151	12	efficiency	efficiency	NOUN
gujaf-67	151	13	on	on	ADP
gujaf-67	151	14	financial	financial	ADJ
gujaf-67	151	15	stability	stability	NOUN
gujaf-67	151	16	of	of	ADP
gujaf-67	151	17	commercial	commercial	ADJ
gujaf-67	151	18	banks	bank	NOUN
gujaf-67	151	19	in	in	ADP
gujaf-67	151	20	pakistan	pakistan	PROPN
gujaf-67	151	21	for	for	ADP
gujaf-67	151	22	the	the	DET
gujaf-67	151	23	period	period	NOUN
gujaf-67	151	24	2008	2008	NUM
gujaf-67	151	25	-	-	SYM
gujaf-67	151	26	2014	2014	NUM
gujaf-67	151	27	using	use	VERB
gujaf-67	151	28	data	datum	NOUN
gujaf-67	151	29	envelopment	envelopment	ADJ
gujaf-67	151	30	analysis	analysis	NOUN
gujaf-67	151	31	(	(	PUNCT
gujaf-67	151	32	dea	dea	NOUN
gujaf-67	151	33	)	)	PUNCT
gujaf-67	151	34	to	to	PART
gujaf-67	151	35	gauge	gauge	VERB
gujaf-67	151	36	the	the	DET
gujaf-67	151	37	dependent	dependent	ADJ
gujaf-67	151	38	variable	variable	NOUN
gujaf-67	151	39	and	and	CCONJ
gujaf-67	151	40	panel	panel	NOUN
gujaf-67	151	41	regression	regression	NOUN
gujaf-67	151	42	to	to	PART
gujaf-67	151	43	estimate	estimate	VERB
gujaf-67	151	44	the	the	DET
gujaf-67	151	45	effect	effect	NOUN
gujaf-67	151	46	of	of	ADP
gujaf-67	151	47	financial	financial	ADJ
gujaf-67	151	48	regulations	regulation	NOUN
gujaf-67	151	49	on	on	ADP
gujaf-67	151	50	both	both	DET
gujaf-67	151	51	efficiency	efficiency	NOUN
gujaf-67	151	52	and	and	CCONJ
gujaf-67	151	53	financial	financial	ADJ
gujaf-67	151	54	soundness	soundness	NOUN
gujaf-67	151	55	.	.	PUNCT
gujaf-67	152	1	the	the	DET
gujaf-67	152	2	study	study	NOUN
gujaf-67	152	3	found	find	VERB
gujaf-67	152	4	that	that	SCONJ
gujaf-67	152	5	the	the	DET
gujaf-67	152	6	ratio	ratio	NOUN
gujaf-67	152	7	of	of	ADP
gujaf-67	152	8	npls	npls	NOUN
gujaf-67	152	9	to	to	ADP
gujaf-67	152	10	assets	asset	NOUN
gujaf-67	152	11	and	and	CCONJ
gujaf-67	152	12	reserve	reserve	PROPN
gujaf-67	152	13	ratio	ratio	NOUN
gujaf-67	152	14	have	have	VERB
gujaf-67	152	15	positive	positive	ADJ
gujaf-67	152	16	effect	effect	NOUN
gujaf-67	152	17	on	on	ADP
gujaf-67	152	18	profit	profit	NOUN
gujaf-67	152	19	efficiency	efficiency	NOUN
gujaf-67	152	20	of	of	ADP
gujaf-67	152	21	the	the	DET
gujaf-67	152	22	banks	bank	NOUN
gujaf-67	152	23	whereas	whereas	SCONJ
gujaf-67	152	24	;	;	PUNCT
gujaf-67	152	25	liquidity	liquidity	NOUN
gujaf-67	152	26	ratio	ratio	NOUN
gujaf-67	152	27	and	and	CCONJ
gujaf-67	152	28	the	the	DET
gujaf-67	152	29	ratio	ratio	NOUN
gujaf-67	152	30	of	of	ADP
gujaf-67	152	31	loans	loan	NOUN
gujaf-67	152	32	to	to	ADP
gujaf-67	152	33	deposits	deposit	NOUN
gujaf-67	152	34	have	have	VERB
gujaf-67	152	35	significant	significant	ADJ
gujaf-67	152	36	negative	negative	ADJ
gujaf-67	152	37	affect	affect	NOUN
gujaf-67	152	38	.	.	PUNCT
gujaf-67	153	1	miah	miah	PROPN
gujaf-67	153	2	and	and	CCONJ
gujaf-67	153	3	uddin	uddin	PROPN
gujaf-67	153	4	(	(	PUNCT
gujaf-67	153	5	2017	2017	NUM
gujaf-67	153	6	)	)	PUNCT
gujaf-67	153	7	examined	examine	VERB
gujaf-67	153	8	the	the	DET
gujaf-67	153	9	business	business	NOUN
gujaf-67	153	10	orientation	orientation	NOUN
gujaf-67	153	11	,	,	PUNCT
gujaf-67	153	12	stability	stability	NOUN
gujaf-67	153	13	,	,	PUNCT
gujaf-67	153	14	and	and	CCONJ
gujaf-67	153	15	efficiency	efficiency	NOUN
gujaf-67	153	16	of	of	ADP
gujaf-67	153	17	48	48	NUM
gujaf-67	153	18	conventional	conventional	ADJ
gujaf-67	153	19	banks	bank	NOUN
gujaf-67	153	20	and	and	CCONJ
gujaf-67	153	21	28	28	NUM
gujaf-67	153	22	islamic	islamic	ADJ
gujaf-67	153	23	banks	bank	NOUN
gujaf-67	153	24	in	in	ADP
gujaf-67	153	25	the	the	DET
gujaf-67	153	26	gulf	gulf	PROPN
gujaf-67	153	27	cooperative	cooperative	ADJ
gujaf-67	153	28	council	council	PROPN
gujaf-67	153	29	(	(	PUNCT
gujaf-67	153	30	gcc	gcc	NOUN
gujaf-67	153	31	)	)	PUNCT
gujaf-67	153	32	countries	country	NOUN
gujaf-67	153	33	for	for	ADP
gujaf-67	153	34	the	the	DET
gujaf-67	153	35	period	period	NOUN
gujaf-67	153	36	2005	2005	NUM
gujaf-67	153	37	-	-	SYM
gujaf-67	153	38	2014	2014	NUM
gujaf-67	153	39	.	.	PUNCT
gujaf-67	154	1	the	the	DET
gujaf-67	154	2	paper	paper	NOUN
gujaf-67	154	3	applied	apply	VERB
gujaf-67	154	4	both	both	DET
gujaf-67	154	5	stochastic	stochastic	ADJ
gujaf-67	154	6	frontier	frontier	NOUN
gujaf-67	154	7	analysis	analysis	NOUN
gujaf-67	154	8	(	(	PUNCT
gujaf-67	154	9	sfa	sfa	NOUN
gujaf-67	154	10	)	)	PUNCT
gujaf-67	154	11	and	and	CCONJ
gujaf-67	154	12	regression	regression	NOUN
gujaf-67	154	13	methods	method	NOUN
gujaf-67	154	14	to	to	PART
gujaf-67	154	15	analyse	analyse	VERB
gujaf-67	154	16	the	the	DET
gujaf-67	154	17	data	datum	NOUN
gujaf-67	154	18	collected	collect	VERB
gujaf-67	154	19	for	for	ADP
gujaf-67	154	20	the	the	DET
gujaf-67	154	21	study	study	NOUN
gujaf-67	154	22	.	.	PUNCT
gujaf-67	155	1	the	the	DET
gujaf-67	155	2	analyses	analysis	NOUN
gujaf-67	155	3	showed	show	VERB
gujaf-67	155	4	that	that	SCONJ
gujaf-67	155	5	while	while	SCONJ
gujaf-67	155	6	conventional	conventional	ADJ
gujaf-67	155	7	banks	bank	NOUN
gujaf-67	155	8	are	be	AUX
gujaf-67	155	9	more	more	ADV
gujaf-67	155	10	efficient	efficient	ADJ
gujaf-67	155	11	in	in	ADP
gujaf-67	155	12	managing	manage	VERB
gujaf-67	155	13	cost	cost	NOUN
gujaf-67	155	14	than	than	ADP
gujaf-67	155	15	their	their	PRON
gujaf-67	155	16	islamic	islamic	ADJ
gujaf-67	155	17	banks	bank	NOUN
gujaf-67	155	18	,	,	PUNCT
gujaf-67	155	19	the	the	DET
gujaf-67	155	20	latter	latter	ADJ
gujaf-67	155	21	is	be	AUX
gujaf-67	155	22	more	more	ADV
gujaf-67	155	23	solid	solid	ADJ
gujaf-67	155	24	in	in	ADP
gujaf-67	155	25	terms	term	NOUN
gujaf-67	155	26	of	of	ADP
gujaf-67	155	27	short	short	ADJ
gujaf-67	155	28	-	-	PUNCT
gujaf-67	155	29	term	term	NOUN
gujaf-67	155	30	solvency	solvency	NOUN
gujaf-67	155	31	than	than	ADP
gujaf-67	155	32	its	its	PRON
gujaf-67	155	33	conventional	conventional	ADJ
gujaf-67	155	34	counterparts	counterpart	NOUN
gujaf-67	155	35	.	.	PUNCT
gujaf-67	156	1	the	the	DET
gujaf-67	156	2	analyses	analysis	NOUN
gujaf-67	156	3	also	also	ADV
gujaf-67	156	4	revealed	reveal	VERB
gujaf-67	156	5	that	that	SCONJ
gujaf-67	156	6	highly	highly	ADV
gujaf-67	156	7	capitalised	capitalise	VERB
gujaf-67	156	8	banks	bank	NOUN
gujaf-67	156	9	are	be	AUX
gujaf-67	156	10	more	more	ADV
gujaf-67	156	11	stable	stable	ADJ
gujaf-67	156	12	but	but	CCONJ
gujaf-67	156	13	cost	cost	NOUN
gujaf-67	156	14	inefficient	inefficient	ADJ
gujaf-67	156	15	.	.	PUNCT
gujaf-67	157	1	banya	banya	NOUN
gujaf-67	157	2	and	and	CCONJ
gujaf-67	157	3	biekpe	biekpe	PROPN
gujaf-67	157	4	(	(	PUNCT
gujaf-67	157	5	2018	2018	NUM
gujaf-67	157	6	)	)	PUNCT
gujaf-67	157	7	investigated	investigate	VERB
gujaf-67	157	8	the	the	DET
gujaf-67	157	9	determinants	determinant	NOUN
gujaf-67	157	10	of	of	ADP
gujaf-67	157	11	banking	banking	NOUN
gujaf-67	157	12	efficiency	efficiency	NOUN
gujaf-67	157	13	in	in	ADP
gujaf-67	157	14	ten	ten	NUM
gujaf-67	157	15	frontier	frontier	NOUN
gujaf-67	157	16	african	african	ADJ
gujaf-67	157	17	countries	country	NOUN
gujaf-67	157	18	using	use	VERB
gujaf-67	157	19	bank	bank	NOUN
gujaf-67	157	20	-	-	PUNCT
gujaf-67	157	21	level	level	NOUN
gujaf-67	157	22	panel	panel	NOUN
gujaf-67	157	23	data	datum	NOUN
gujaf-67	157	24	set	set	VERB
gujaf-67	157	25	for	for	ADP
gujaf-67	157	26	the	the	DET
gujaf-67	157	27	period	period	NOUN
gujaf-67	157	28	2008	2008	NUM
gujaf-67	157	29	-	-	SYM
gujaf-67	157	30	2012	2012	NUM
gujaf-67	157	31	.	.	PUNCT
gujaf-67	158	1	the	the	DET
gujaf-67	158	2	study	study	NOUN
gujaf-67	158	3	employed	employ	VERB
gujaf-67	158	4	dea	dea	PROPN
gujaf-67	158	5	technique	technique	NOUN
gujaf-67	158	6	to	to	PART
gujaf-67	158	7	estimate	estimate	VERB
gujaf-67	158	8	technical	technical	ADJ
gujaf-67	158	9	,	,	PUNCT
gujaf-67	158	10	pure	pure	ADJ
gujaf-67	158	11	technical	technical	ADJ
gujaf-67	158	12	and	and	CCONJ
gujaf-67	158	13	scale	scale	NOUN
gujaf-67	158	14	bank	bank	NOUN
gujaf-67	158	15	efficiency	efficiency	NOUN
gujaf-67	158	16	,	,	PUNCT
gujaf-67	158	17	and	and	CCONJ
gujaf-67	158	18	simar	simar	PROPN
gujaf-67	158	19	and	and	CCONJ
gujaf-67	158	20	wilson	wilson	PROPN
gujaf-67	158	21	(	(	PUNCT
gujaf-67	158	22	2000	2000	NUM
gujaf-67	158	23	)	)	PUNCT
gujaf-67	158	24	’s	’	VERB
gujaf-67	158	25	truncated	truncate	VERB
gujaf-67	158	26	bootstrapping	bootstrappe	VERB
gujaf-67	158	27	approach	approach	NOUN
gujaf-67	158	28	to	to	PART
gujaf-67	158	29	analyse	analyse	VERB
gujaf-67	158	30	the	the	DET
gujaf-67	158	31	determinants	determinant	NOUN
gujaf-67	158	32	of	of	ADP
gujaf-67	158	33	banking	banking	NOUN
gujaf-67	158	34	efficiency	efficiency	NOUN
gujaf-67	158	35	in	in	ADP
gujaf-67	158	36	the	the	DET
gujaf-67	158	37	sample	sample	NOUN
gujaf-67	158	38	countries	country	NOUN
gujaf-67	158	39	.	.	PUNCT
gujaf-67	159	1	the	the	DET
gujaf-67	159	2	analysis	analysis	NOUN
gujaf-67	159	3	showed	show	VERB
gujaf-67	159	4	that	that	SCONJ
gujaf-67	159	5	the	the	DET
gujaf-67	159	6	banking	banking	NOUN
gujaf-67	159	7	sectors	sector	NOUN
gujaf-67	159	8	of	of	ADP
gujaf-67	159	9	the	the	DET
gujaf-67	159	10	sampled	sample	VERB
gujaf-67	159	11	countries	country	NOUN
gujaf-67	159	12	are	be	AUX
gujaf-67	159	13	to	to	ADP
gujaf-67	159	14	a	a	DET
gujaf-67	159	15	greater	great	ADJ
gujaf-67	159	16	extent	extent	NOUN
gujaf-67	159	17	efficient	efficient	ADJ
gujaf-67	159	18	.	.	PUNCT
gujaf-67	160	1	the	the	DET
gujaf-67	160	2	results	result	NOUN
gujaf-67	160	3	of	of	ADP
gujaf-67	160	4	the	the	DET
gujaf-67	160	5	truncated	truncated	ADJ
gujaf-67	160	6	bootstrapping	bootstrapping	NOUN
gujaf-67	160	7	regression	regression	NOUN
gujaf-67	160	8	revealed	reveal	VERB
gujaf-67	160	9	that	that	SCONJ
gujaf-67	160	10	while	while	SCONJ
gujaf-67	160	11	size	size	NOUN
gujaf-67	160	12	has	have	VERB
gujaf-67	160	13	negative	negative	ADJ
gujaf-67	160	14	effect	effect	NOUN
gujaf-67	160	15	on	on	ADP
gujaf-67	160	16	efficiency	efficiency	NOUN
gujaf-67	160	17	of	of	ADP
gujaf-67	160	18	the	the	DET
gujaf-67	160	19	banks	bank	NOUN
gujaf-67	160	20	,	,	PUNCT
gujaf-67	160	21	the	the	DET
gujaf-67	160	22	degree	degree	NOUN
gujaf-67	160	23	of	of	ADP
gujaf-67	160	24	risk	risk	NOUN
gujaf-67	160	25	affects	affect	VERB
gujaf-67	160	26	it	it	PRON
gujaf-67	160	27	positively	positively	ADV
gujaf-67	160	28	.	.	PUNCT
gujaf-67	161	1	sulaeman	sulaeman	PROPN
gujaf-67	161	2	et	et	PROPN
gujaf-67	161	3	al	al	PROPN
gujaf-67	161	4	.	.	PROPN
gujaf-67	162	1	(	(	PUNCT
gujaf-67	162	2	2019	2019	NUM
gujaf-67	162	3	)	)	PUNCT
gujaf-67	162	4	examined	examine	VERB
gujaf-67	162	5	the	the	DET
gujaf-67	162	6	factors	factor	NOUN
gujaf-67	162	7	that	that	PRON
gujaf-67	162	8	affect	affect	VERB
gujaf-67	162	9	efficiency	efficiency	NOUN
gujaf-67	162	10	of	of	ADP
gujaf-67	162	11	banks	bank	NOUN
gujaf-67	162	12	in	in	ADP
gujaf-67	162	13	indonesia	indonesia	PROPN
gujaf-67	162	14	using	use	VERB
gujaf-67	162	15	quarterly	quarterly	ADJ
gujaf-67	162	16	data	datum	NOUN
gujaf-67	162	17	extracted	extract	VERB
gujaf-67	162	18	from	from	ADP
gujaf-67	162	19	financial	financial	ADJ
gujaf-67	162	20	statements	statement	NOUN
gujaf-67	162	21	for	for	ADP
gujaf-67	162	22	the	the	DET
gujaf-67	162	23	period	period	NOUN
gujaf-67	162	24	2013	2013	NUM
gujaf-67	162	25	-	-	SYM
gujaf-67	162	26	2017	2017	NUM
gujaf-67	162	27	.	.	PUNCT
gujaf-67	163	1	the	the	DET
gujaf-67	163	2	study	study	NOUN
gujaf-67	163	3	employed	employ	VERB
gujaf-67	163	4	tobit	tobit	NOUN
gujaf-67	163	5	regression	regression	NOUN
gujaf-67	163	6	technique	technique	NOUN
gujaf-67	163	7	to	to	PART
gujaf-67	163	8	examine	examine	VERB
gujaf-67	163	9	the	the	DET
gujaf-67	163	10	effect	effect	NOUN
gujaf-67	163	11	of	of	ADP
gujaf-67	163	12	fsis	fsis	NOUN
gujaf-67	163	13	related	relate	VERB
gujaf-67	163	14	ratios	ratio	NOUN
gujaf-67	163	15	on	on	ADP
gujaf-67	163	16	operational	operational	ADJ
gujaf-67	163	17	efficiency	efficiency	NOUN
gujaf-67	163	18	of	of	ADP
gujaf-67	163	19	the	the	DET
gujaf-67	163	20	sampled	sample	VERB
gujaf-67	163	21	conventional	conventional	ADJ
gujaf-67	163	22	and	and	CCONJ
gujaf-67	163	23	islamic	islamic	ADJ
gujaf-67	163	24	commercial	commercial	ADJ
gujaf-67	163	25	banks	bank	NOUN
gujaf-67	163	26	in	in	ADP
gujaf-67	163	27	the	the	DET
gujaf-67	163	28	country	country	NOUN
gujaf-67	163	29	.	.	PUNCT
gujaf-67	164	1	the	the	DET
gujaf-67	164	2	analysis	analysis	NOUN
gujaf-67	164	3	revealed	reveal	VERB
gujaf-67	164	4	that	that	SCONJ
gujaf-67	164	5	asset	asset	NOUN
gujaf-67	164	6	quality	quality	NOUN
gujaf-67	164	7	,	,	PUNCT
gujaf-67	164	8	earnings	earning	NOUN
gujaf-67	164	9	,	,	PUNCT
gujaf-67	164	10	capital	capital	NOUN
gujaf-67	164	11	adequacy	adequacy	NOUN
gujaf-67	164	12	ratio	ratio	NOUN
gujaf-67	164	13	and	and	CCONJ
gujaf-67	164	14	economic	economic	ADJ
gujaf-67	164	15	growth	growth	NOUN
gujaf-67	164	16	have	have	VERB
gujaf-67	164	17	significant	significant	ADJ
gujaf-67	164	18	positive	positive	ADJ
gujaf-67	164	19	effect	effect	NOUN
gujaf-67	164	20	on	on	ADP
gujaf-67	164	21	the	the	DET
gujaf-67	164	22	banks	bank	NOUN
gujaf-67	164	23	’	'	PUNCT
gujaf-67	164	24	efficiency	efficiency	NOUN
gujaf-67	164	25	.	.	PUNCT
gujaf-67	165	1	lotto	lotto	NOUN
gujaf-67	165	2	and	and	CCONJ
gujaf-67	165	3	papavassiliou	papavassiliou	ADJ
gujaf-67	165	4	(	(	PUNCT
gujaf-67	165	5	2019	2019	NUM
gujaf-67	165	6	)	)	PUNCT
gujaf-67	165	7	assessed	assess	VERB
gujaf-67	165	8	that	that	SCONJ
gujaf-67	165	9	factors	factor	NOUN
gujaf-67	165	10	affecting	affect	VERB
gujaf-67	165	11	operating	operating	NOUN
gujaf-67	165	12	efficiency	efficiency	NOUN
gujaf-67	165	13	of	of	ADP
gujaf-67	165	14	36	36	NUM
gujaf-67	165	15	commercial	commercial	ADJ
gujaf-67	165	16	banks	bank	NOUN
gujaf-67	165	17	in	in	ADP
gujaf-67	165	18	tanzania	tanzania	PROPN
gujaf-67	165	19	for	for	ADP
gujaf-67	165	20	the	the	DET
gujaf-67	165	21	period	period	NOUN
gujaf-67	165	22	2000	2000	NUM
gujaf-67	165	23	-	-	SYM
gujaf-67	165	24	2017	2017	NUM
gujaf-67	165	25	.	.	PUNCT
gujaf-67	166	1	the	the	DET
gujaf-67	166	2	study	study	NOUN
gujaf-67	166	3	used	use	VERB
gujaf-67	166	4	bank	bank	NOUN
gujaf-67	166	5	-	-	PUNCT
gujaf-67	166	6	specific	specific	ADJ
gujaf-67	166	7	variables	variable	NOUN
gujaf-67	166	8	of	of	ADP
gujaf-67	166	9	capital	capital	NOUN
gujaf-67	166	10	adequacy	adequacy	NOUN
gujaf-67	166	11	,	,	PUNCT
gujaf-67	166	12	asset	asset	NOUN
gujaf-67	166	13	quality	quality	NOUN
gujaf-67	166	14	,	,	PUNCT
gujaf-67	166	15	earnings	earning	NOUN
gujaf-67	166	16	,	,	PUNCT
gujaf-67	166	17	liquidity	liquidity	NOUN
gujaf-67	166	18	and	and	CCONJ
gujaf-67	166	19	size	size	NOUN
gujaf-67	166	20	to	to	PART
gujaf-67	166	21	represent	represent	VERB
gujaf-67	166	22	the	the	DET
gujaf-67	166	23	independent	independent	ADJ
gujaf-67	166	24	variables	variable	NOUN
gujaf-67	166	25	.	.	PUNCT
gujaf-67	167	1	the	the	DET
gujaf-67	167	2	robust	robust	ADJ
gujaf-67	167	3	random	random	ADJ
gujaf-67	167	4	-	-	PUNCT
gujaf-67	167	5	effect	effect	NOUN
gujaf-67	167	6	regression	regression	NOUN
gujaf-67	167	7	results	result	NOUN
gujaf-67	167	8	showed	show	VERB
gujaf-67	167	9	that	that	SCONJ
gujaf-67	167	10	bank	bank	NOUN
gujaf-67	167	11	liquidity	liquidity	NOUN
gujaf-67	167	12	,	,	PUNCT
gujaf-67	167	13	capital	capital	NOUN
gujaf-67	167	14	adequacy	adequacy	NOUN
gujaf-67	167	15	and	and	CCONJ
gujaf-67	167	16	profitability	profitability	NOUN
gujaf-67	167	17	have	have	VERB
gujaf-67	167	18	a	a	DET
gujaf-67	167	19	positive	positive	ADJ
gujaf-67	167	20	relationship	relationship	NOUN
gujaf-67	167	21	with	with	ADP
gujaf-67	167	22	bank	bank	NOUN
gujaf-67	167	23	operating	operating	NOUN
gujaf-67	167	24	efficiency	efficiency	NOUN
gujaf-67	167	25	.	.	PUNCT
gujaf-67	168	1	3	3	X
gujaf-67	168	2	.	.	X
gujaf-67	168	3	methodology	methodology	NOUN
gujaf-67	168	4	this	this	DET
gujaf-67	168	5	paper	paper	NOUN
gujaf-67	168	6	applies	apply	VERB
gujaf-67	168	7	correlational	correlational	ADJ
gujaf-67	168	8	research	research	NOUN
gujaf-67	168	9	design	design	NOUN
gujaf-67	168	10	to	to	PART
gujaf-67	168	11	assess	assess	VERB
gujaf-67	168	12	the	the	DET
gujaf-67	168	13	effect	effect	NOUN
gujaf-67	168	14	of	of	ADP
gujaf-67	168	15	financial	financial	ADJ
gujaf-67	168	16	soundness	soundness	NOUN
gujaf-67	168	17	indicators	indicator	NOUN
gujaf-67	168	18	on	on	ADP
gujaf-67	168	19	efficiency	efficiency	NOUN
gujaf-67	168	20	of	of	ADP
gujaf-67	168	21	dmbs	dmb	NOUN
gujaf-67	168	22	in	in	ADP
gujaf-67	168	23	nigeria	nigeria	PROPN
gujaf-67	168	24	.	.	PUNCT
gujaf-67	169	1	the	the	DET
gujaf-67	169	2	population	population	NOUN
gujaf-67	169	3	consists	consist	VERB
gujaf-67	169	4	of	of	ADP
gujaf-67	169	5	all	all	DET
gujaf-67	169	6	the	the	DET
gujaf-67	169	7	22	22	NUM
gujaf-67	169	8	dmbs	dmb	NOUN
gujaf-67	169	9	operating	operate	VERB
gujaf-67	169	10	in	in	ADP
gujaf-67	169	11	the	the	DET
gujaf-67	169	12	country	country	NOUN
gujaf-67	169	13	as	as	ADP
gujaf-67	169	14	at	at	ADP
gujaf-67	169	15	31	31	NUM
gujaf-67	169	16	st	st	PROPN
gujaf-67	169	17	december	december	PROPN
gujaf-67	169	18	,	,	PUNCT
gujaf-67	169	19	2018	2018	NUM
gujaf-67	169	20	(	(	PUNCT
gujaf-67	169	21	cbn	cbn	PROPN
gujaf-67	169	22	,	,	PUNCT
gujaf-67	169	23	2018	2018	NUM
gujaf-67	169	24	)	)	PUNCT
gujaf-67	169	25	.	.	PUNCT
gujaf-67	170	1	a	a	DET
gujaf-67	170	2	filter	filter	NOUN
gujaf-67	170	3	was	be	AUX
gujaf-67	170	4	introduced	introduce	VERB
gujaf-67	170	5	to	to	PART
gujaf-67	170	6	exclude	exclude	VERB
gujaf-67	170	7	banks	bank	NOUN
gujaf-67	170	8	that	that	PRON
gujaf-67	170	9	do	do	AUX
gujaf-67	170	10	not	not	PART
gujaf-67	170	11	have	have	AUX
gujaf-67	170	12	audited	audit	VERB
gujaf-67	170	13	financial	financial	ADJ
gujaf-67	170	14	reports	report	NOUN
gujaf-67	170	15	for	for	ADP
gujaf-67	170	16	the	the	DET
gujaf-67	170	17	entire	entire	ADJ
gujaf-67	170	18	period	period	NOUN
gujaf-67	170	19	of	of	ADP
gujaf-67	170	20	the	the	DET
gujaf-67	170	21	study	study	NOUN
gujaf-67	170	22	(	(	PUNCT
gujaf-67	170	23	20102018	20102018	NUM
gujaf-67	170	24	)	)	PUNCT
gujaf-67	170	25	.	.	PUNCT
gujaf-67	171	1	based	base	VERB
gujaf-67	171	2	on	on	ADP
gujaf-67	171	3	the	the	DET
gujaf-67	171	4	filter	filter	NOUN
gujaf-67	171	5	,	,	PUNCT
gujaf-67	171	6	diamond	diamond	PROPN
gujaf-67	171	7	bank	bank	NOUN
gujaf-67	171	8	,	,	PUNCT
gujaf-67	171	9	heritage	heritage	NOUN
gujaf-67	171	10	bank	bank	PROPN
gujaf-67	171	11	,	,	PUNCT
gujaf-67	171	12	jaiz	jaiz	PROPN
gujaf-67	171	13	bank	bank	PROPN
gujaf-67	171	14	,	,	PUNCT
gujaf-67	171	15	keystone	keystone	PROPN
gujaf-67	171	16	bank	bank	PROPN
gujaf-67	171	17	,	,	PUNCT
gujaf-67	171	18	pollaris	pollaris	PROPN
gujaf-67	171	19	bank	bank	PROPN
gujaf-67	171	20	,	,	PUNCT
gujaf-67	171	21	providus	providus	PROPN
gujaf-67	171	22	bank	bank	PROPN
gujaf-67	171	23	,	,	PUNCT
gujaf-67	171	24	standard	standard	ADJ
gujaf-67	171	25	chartered	chartered	ADJ
gujaf-67	171	26	bank	bank	PROPN
gujaf-67	171	27	and	and	CCONJ
gujaf-67	171	28	suntrust	suntrust	PROPN
gujaf-67	171	29	bank	bank	PROPN
gujaf-67	171	30	were	be	AUX
gujaf-67	171	31	excluded	exclude	VERB
gujaf-67	171	32	due	due	ADP
gujaf-67	171	33	to	to	ADP
gujaf-67	171	34	gusau	gusau	ADJ
gujaf-67	171	35	journal	journal	NOUN
gujaf-67	171	36	of	of	ADP
gujaf-67	171	37	accounting	accounting	NOUN
gujaf-67	171	38	and	and	CCONJ
gujaf-67	171	39	finance	finance	NOUN
gujaf-67	171	40	,	,	PUNCT
gujaf-67	171	41	vol	vol	NOUN
gujaf-67	171	42	.	.	PROPN
gujaf-67	171	43	2	2	NUM
gujaf-67	171	44	,	,	PUNCT
gujaf-67	171	45	issue	issue	NOUN
gujaf-67	171	46	2	2	NUM
gujaf-67	171	47	,	,	PUNCT
gujaf-67	171	48	april	april	PROPN
gujaf-67	171	49	,	,	PUNCT
gujaf-67	171	50	2021	2021	NUM
gujaf-67	171	51	9	9	NUM
gujaf-67	171	52	unavailability	unavailability	NOUN
gujaf-67	171	53	of	of	ADP
gujaf-67	171	54	the	the	DET
gujaf-67	171	55	complete	complete	ADJ
gujaf-67	171	56	data	datum	NOUN
gujaf-67	171	57	needed	need	VERB
gujaf-67	171	58	for	for	ADP
gujaf-67	171	59	the	the	DET
gujaf-67	171	60	study	study	NOUN
gujaf-67	171	61	.	.	PUNCT
gujaf-67	172	1	some	some	PRON
gujaf-67	172	2	of	of	ADP
gujaf-67	172	3	the	the	DET
gujaf-67	172	4	excluded	exclude	VERB
gujaf-67	172	5	banks	bank	NOUN
gujaf-67	172	6	such	such	ADJ
gujaf-67	172	7	as	as	ADP
gujaf-67	172	8	providus	providus	NOUN
gujaf-67	172	9	and	and	CCONJ
gujaf-67	172	10	suntrust	suntrust	PROPN
gujaf-67	172	11	started	start	VERB
gujaf-67	172	12	operation	operation	NOUN
gujaf-67	172	13	less	less	ADJ
gujaf-67	172	14	than	than	ADP
gujaf-67	172	15	five	five	NUM
gujaf-67	172	16	years	year	NOUN
gujaf-67	172	17	ago	ago	ADV
gujaf-67	172	18	.	.	PUNCT
gujaf-67	173	1	jaiz	jaiz	PROPN
gujaf-67	173	2	bank	bank	PROPN
gujaf-67	173	3	has	have	VERB
gujaf-67	173	4	only	only	ADV
gujaf-67	173	5	seven	seven	NUM
gujaf-67	173	6	years	year	NOUN
gujaf-67	173	7	financial	financial	ADJ
gujaf-67	173	8	statements	statement	NOUN
gujaf-67	173	9	because	because	SCONJ
gujaf-67	173	10	it	it	PRON
gujaf-67	173	11	started	start	VERB
gujaf-67	173	12	operation	operation	NOUN
gujaf-67	173	13	in	in	ADP
gujaf-67	173	14	2012	2012	NUM
gujaf-67	173	15	while	while	SCONJ
gujaf-67	173	16	pollaris	pollaris	PROPN
gujaf-67	173	17	,	,	PUNCT
gujaf-67	173	18	keystone	keystone	PROPN
gujaf-67	173	19	and	and	CCONJ
gujaf-67	173	20	heritage	heritage	NOUN
gujaf-67	173	21	do	do	AUX
gujaf-67	173	22	not	not	PART
gujaf-67	173	23	have	have	VERB
gujaf-67	173	24	the	the	DET
gujaf-67	173	25	minimum	minimum	NOUN
gujaf-67	173	26	required	require	VERB
gujaf-67	173	27	financial	financial	ADJ
gujaf-67	173	28	statements	statement	NOUN
gujaf-67	173	29	because	because	SCONJ
gujaf-67	173	30	they	they	PRON
gujaf-67	173	31	are	be	AUX
gujaf-67	173	32	part	part	NOUN
gujaf-67	173	33	of	of	ADP
gujaf-67	173	34	mergers	merger	NOUN
gujaf-67	173	35	and	and	CCONJ
gujaf-67	173	36	acquisition	acquisition	NOUN
gujaf-67	173	37	that	that	PRON
gujaf-67	173	38	led	lead	VERB
gujaf-67	173	39	to	to	PART
gujaf-67	173	40	change	change	NOUN
gujaf-67	173	41	of	of	ADP
gujaf-67	173	42	name	name	NOUN
gujaf-67	173	43	from	from	ADP
gujaf-67	173	44	their	their	PRON
gujaf-67	173	45	original	original	ADJ
gujaf-67	173	46	names	name	NOUN
gujaf-67	173	47	.	.	PUNCT
gujaf-67	174	1	standard	standard	PROPN
gujaf-67	174	2	chartered	chartered	PROPN
gujaf-67	174	3	bank	bank	PROPN
gujaf-67	174	4	does	do	AUX
gujaf-67	174	5	not	not	PART
gujaf-67	174	6	have	have	VERB
gujaf-67	174	7	a	a	DET
gujaf-67	174	8	separate	separate	ADJ
gujaf-67	174	9	financial	financial	ADJ
gujaf-67	174	10	statement	statement	NOUN
gujaf-67	174	11	for	for	ADP
gujaf-67	174	12	its	its	PRON
gujaf-67	174	13	operations	operation	NOUN
gujaf-67	174	14	in	in	ADP
gujaf-67	174	15	nigeria	nigeria	PROPN
gujaf-67	174	16	.	.	PUNCT
gujaf-67	175	1	the	the	DET
gujaf-67	175	2	remaining	remain	VERB
gujaf-67	175	3	14	14	NUM
gujaf-67	175	4	banks	bank	NOUN
gujaf-67	175	5	;	;	PUNCT
gujaf-67	175	6	access	access	NOUN
gujaf-67	175	7	bank	bank	PROPN
gujaf-67	175	8	,	,	PUNCT
gujaf-67	175	9	citibank	citibank	PROPN
gujaf-67	175	10	nigeria	nigeria	PROPN
gujaf-67	175	11	,	,	PUNCT
gujaf-67	175	12	ecobank	ecobank	PROPN
gujaf-67	175	13	nigeria	nigeria	PROPN
gujaf-67	175	14	,	,	PUNCT
gujaf-67	175	15	fidelity	fidelity	PROPN
gujaf-67	175	16	bank	bank	PROPN
gujaf-67	175	17	,	,	PUNCT
gujaf-67	175	18	first	first	ADJ
gujaf-67	175	19	bank	bank	PROPN
gujaf-67	175	20	of	of	ADP
gujaf-67	175	21	nigeria	nigeria	PROPN
gujaf-67	175	22	,	,	PUNCT
gujaf-67	175	23	first	first	ADJ
gujaf-67	175	24	city	city	PROPN
gujaf-67	175	25	monument	monument	PROPN
gujaf-67	175	26	bank	bank	PROPN
gujaf-67	175	27	,	,	PUNCT
gujaf-67	175	28	guaranty	guaranty	PROPN
gujaf-67	175	29	trust	trust	PROPN
gujaf-67	175	30	bank	bank	PROPN
gujaf-67	175	31	,	,	PUNCT
gujaf-67	175	32	stanbic	stanbic	ADJ
gujaf-67	175	33	ibtc	ibtc	PROPN
gujaf-67	175	34	bank	bank	NOUN
gujaf-67	175	35	,	,	PUNCT
gujaf-67	175	36	sterling	sterling	PROPN
gujaf-67	175	37	bank	bank	PROPN
gujaf-67	175	38	,	,	PUNCT
gujaf-67	175	39	union	union	PROPN
gujaf-67	175	40	bank	bank	PROPN
gujaf-67	175	41	of	of	ADP
gujaf-67	175	42	nigeria	nigeria	PROPN
gujaf-67	175	43	,	,	PUNCT
gujaf-67	175	44	united	united	PROPN
gujaf-67	175	45	bank	bank	PROPN
gujaf-67	175	46	for	for	ADP
gujaf-67	175	47	africa	africa	PROPN
gujaf-67	175	48	,	,	PUNCT
gujaf-67	175	49	unity	unity	NOUN
gujaf-67	175	50	bank	bank	NOUN
gujaf-67	175	51	,	,	PUNCT
gujaf-67	175	52	wema	wema	PROPN
gujaf-67	175	53	bank	bank	PROPN
gujaf-67	175	54	and	and	CCONJ
gujaf-67	175	55	zenith	zenith	PROPN
gujaf-67	175	56	bank	bank	PROPN
gujaf-67	175	57	constituted	constitute	VERB
gujaf-67	175	58	the	the	DET
gujaf-67	175	59	adjusted	adjusted	ADJ
gujaf-67	175	60	population	population	NOUN
gujaf-67	175	61	of	of	ADP
gujaf-67	175	62	the	the	DET
gujaf-67	175	63	study	study	NOUN
gujaf-67	175	64	,	,	PUNCT
gujaf-67	175	65	which	which	PRON
gujaf-67	175	66	were	be	AUX
gujaf-67	175	67	studied	study	VERB
gujaf-67	175	68	based	base	VERB
gujaf-67	175	69	on	on	ADP
gujaf-67	175	70	census	census	NOUN
gujaf-67	175	71	approach	approach	NOUN
gujaf-67	175	72	.	.	PUNCT
gujaf-67	176	1	the	the	DET
gujaf-67	176	2	study	study	NOUN
gujaf-67	176	3	extracts	extract	VERB
gujaf-67	176	4	bank	bank	NOUN
gujaf-67	176	5	-	-	PUNCT
gujaf-67	176	6	level	level	NOUN
gujaf-67	176	7	secondary	secondary	ADJ
gujaf-67	176	8	data	datum	NOUN
gujaf-67	176	9	from	from	ADP
gujaf-67	176	10	the	the	DET
gujaf-67	176	11	annual	annual	ADJ
gujaf-67	176	12	reports	report	NOUN
gujaf-67	176	13	and	and	CCONJ
gujaf-67	176	14	accounts	account	NOUN
gujaf-67	176	15	of	of	ADP
gujaf-67	176	16	the	the	DET
gujaf-67	176	17	banks	bank	NOUN
gujaf-67	176	18	for	for	ADP
gujaf-67	176	19	the	the	DET
gujaf-67	176	20	nine	nine	NUM
gujaf-67	176	21	-	-	PUNCT
gujaf-67	176	22	year	year	NOUN
gujaf-67	176	23	study	study	NOUN
gujaf-67	176	24	period	period	NOUN
gujaf-67	176	25	(	(	PUNCT
gujaf-67	176	26	2010	2010	NUM
gujaf-67	176	27	-	-	SYM
gujaf-67	176	28	2018	2018	NUM
gujaf-67	176	29	)	)	PUNCT
gujaf-67	176	30	,	,	PUNCT
gujaf-67	176	31	which	which	PRON
gujaf-67	176	32	translated	translate	VERB
gujaf-67	176	33	into	into	ADP
gujaf-67	176	34	126	126	NUM
gujaf-67	176	35	balanced	balanced	ADJ
gujaf-67	176	36	panel	panel	NOUN
gujaf-67	176	37	observations	observation	NOUN
gujaf-67	176	38	for	for	ADP
gujaf-67	176	39	each	each	PRON
gujaf-67	176	40	of	of	ADP
gujaf-67	176	41	the	the	DET
gujaf-67	176	42	study	study	NOUN
gujaf-67	176	43	variables	variable	VERB
gujaf-67	176	44	.	.	PUNCT
gujaf-67	177	1	the	the	DET
gujaf-67	177	2	data	datum	NOUN
gujaf-67	177	3	were	be	AUX
gujaf-67	177	4	analysed	analyse	VERB
gujaf-67	177	5	using	use	VERB
gujaf-67	177	6	relevant	relevant	ADJ
gujaf-67	177	7	descriptive	descriptive	ADJ
gujaf-67	177	8	and	and	CCONJ
gujaf-67	177	9	inferential	inferential	ADJ
gujaf-67	177	10	statistical	statistical	ADJ
gujaf-67	177	11	techniques	technique	NOUN
gujaf-67	177	12	.	.	PUNCT
gujaf-67	178	1	the	the	DET
gujaf-67	178	2	study	study	NOUN
gujaf-67	178	3	has	have	VERB
gujaf-67	178	4	one	one	NUM
gujaf-67	178	5	dependent	dependent	ADJ
gujaf-67	178	6	variable	variable	NOUN
gujaf-67	178	7	,	,	PUNCT
gujaf-67	178	8	efficiency	efficiency	NOUN
gujaf-67	178	9	ratio(efcy	ratio(efcy	PROPN
gujaf-67	178	10	)	)	PUNCT
gujaf-67	178	11	and	and	CCONJ
gujaf-67	178	12	five	five	NUM
gujaf-67	178	13	independent	independent	ADJ
gujaf-67	178	14	variables	variable	NOUN
gujaf-67	178	15	:	:	PUNCT
gujaf-67	178	16	capital	capital	NOUN
gujaf-67	178	17	adequacy	adequacy	NOUN
gujaf-67	178	18	(	(	PUNCT
gujaf-67	178	19	caad	caad	NOUN
gujaf-67	178	20	)	)	PUNCT
gujaf-67	178	21	,	,	PUNCT
gujaf-67	178	22	asset	asset	NOUN
gujaf-67	178	23	quality	quality	NOUN
gujaf-67	178	24	(	(	PUNCT
gujaf-67	178	25	astq	astq	NOUN
gujaf-67	178	26	)	)	PUNCT
gujaf-67	178	27	,	,	PUNCT
gujaf-67	178	28	earnings	earning	NOUN
gujaf-67	178	29	(	(	PUNCT
gujaf-67	178	30	roas	roas	NOUN
gujaf-67	178	31	)	)	PUNCT
gujaf-67	178	32	,	,	PUNCT
gujaf-67	178	33	liquidity	liquidity	NOUN
gujaf-67	178	34	(	(	PUNCT
gujaf-67	178	35	lqdt	lqdt	NOUN
gujaf-67	178	36	)	)	PUNCT
gujaf-67	178	37	and	and	CCONJ
gujaf-67	178	38	sensitivity	sensitivity	NOUN
gujaf-67	178	39	to	to	PART
gujaf-67	178	40	market	market	NOUN
gujaf-67	178	41	risk	risk	NOUN
gujaf-67	178	42	(	(	PUNCT
gujaf-67	178	43	smkr	smkr	NOUN
gujaf-67	178	44	)	)	PUNCT
gujaf-67	178	45	representing	represent	VERB
gujaf-67	178	46	fsis	fsis	NOUN
gujaf-67	178	47	.	.	PUNCT
gujaf-67	179	1	the	the	DET
gujaf-67	179	2	study	study	NOUN
gujaf-67	179	3	also	also	ADV
gujaf-67	179	4	controlled	control	VERB
gujaf-67	179	5	for	for	ADP
gujaf-67	179	6	size	size	NOUN
gujaf-67	179	7	(	(	PUNCT
gujaf-67	179	8	size	size	NOUN
gujaf-67	179	9	)	)	PUNCT
gujaf-67	179	10	to	to	PART
gujaf-67	179	11	capture	capture	VERB
gujaf-67	179	12	the	the	DET
gujaf-67	179	13	effect	effect	NOUN
gujaf-67	179	14	of	of	ADP
gujaf-67	179	15	different	different	ADJ
gujaf-67	179	16	sizes	size	NOUN
gujaf-67	179	17	and	and	CCONJ
gujaf-67	179	18	scope	scope	NOUN
gujaf-67	179	19	of	of	ADP
gujaf-67	179	20	operation	operation	NOUN
gujaf-67	179	21	of	of	ADP
gujaf-67	179	22	the	the	DET
gujaf-67	179	23	banks	bank	NOUN
gujaf-67	179	24	.	.	PUNCT
gujaf-67	180	1	in	in	ADP
gujaf-67	180	2	line	line	NOUN
gujaf-67	180	3	with	with	ADP
gujaf-67	180	4	jesuwunmi	jesuwunmi	PROPN
gujaf-67	180	5	et	et	PROPN
gujaf-67	180	6	al	al	PROPN
gujaf-67	180	7	.	.	PROPN
gujaf-67	181	1	(	(	PUNCT
gujaf-67	181	2	2019	2019	NUM
gujaf-67	181	3	)	)	PUNCT
gujaf-67	181	4	,	,	PUNCT
gujaf-67	181	5	lotto	lotto	NOUN
gujaf-67	181	6	and	and	CCONJ
gujaf-67	181	7	papavassiliou	papavassiliou	ADJ
gujaf-67	181	8	(	(	PUNCT
gujaf-67	181	9	2019	2019	NUM
gujaf-67	181	10	)	)	PUNCT
gujaf-67	181	11	and	and	CCONJ
gujaf-67	181	12	sulaeman	sulaeman	VERB
gujaf-67	181	13	et	et	PROPN
gujaf-67	181	14	al	al	PROPN
gujaf-67	181	15	.	.	PROPN
gujaf-67	182	1	(	(	PUNCT
gujaf-67	182	2	2019	2019	NUM
gujaf-67	182	3	)	)	PUNCT
gujaf-67	182	4	,	,	PUNCT
gujaf-67	182	5	the	the	DET
gujaf-67	182	6	mathematical	mathematical	ADJ
gujaf-67	182	7	relationship	relationship	NOUN
gujaf-67	182	8	between	between	ADP
gujaf-67	182	9	the	the	DET
gujaf-67	182	10	dependent	dependent	ADJ
gujaf-67	182	11	and	and	CCONJ
gujaf-67	182	12	explanatory	explanatory	ADJ
gujaf-67	182	13	variables	variable	NOUN
gujaf-67	182	14	based	base	VERB
gujaf-67	182	15	on	on	ADP
gujaf-67	182	16	multiple	multiple	ADJ
gujaf-67	182	17	regression	regression	NOUN
gujaf-67	182	18	technique	technique	NOUN
gujaf-67	182	19	is	be	AUX
gujaf-67	182	20	given	give	VERB
gujaf-67	182	21	as	as	ADP
gujaf-67	182	22	:	:	PUNCT
gujaf-67	182	23	𝐸𝐹𝐶𝑌𝑖𝑡	𝐸𝐹𝐶𝑌𝑖𝑡	PROPN
gujaf-67	182	24	=	=	SYM
gujaf-67	182	25	𝛽0	𝛽0	PROPN
gujaf-67	182	26	+	+	CCONJ
gujaf-67	182	27	𝛽1𝐶𝐴𝐴𝐷𝑖𝑡	𝛽1𝐶𝐴𝐴𝐷𝑖𝑡	ADJ
gujaf-67	182	28	+	+	CCONJ
gujaf-67	182	29	𝛽2𝐴𝑆𝑇𝑄𝑖𝑡	𝛽2𝐴𝑆𝑇𝑄𝑖𝑡	ADJ
gujaf-67	182	30	+	+	CCONJ
gujaf-67	182	31	𝛽3𝑅𝑂𝐴𝑆𝑖𝑡	𝛽3𝑅𝑂𝐴𝑆𝑖𝑡	X
gujaf-67	182	32	+	+	NUM
gujaf-67	182	33	𝛽4𝐿𝑄𝐷𝑇𝑖𝑡	𝛽4𝐿𝑄𝐷𝑇𝑖𝑡	NOUN
gujaf-67	182	34	+	+	NUM
gujaf-67	182	35	𝛽5𝑆𝑀𝐾𝑅𝑖𝑡	𝛽5𝑆𝑀𝐾𝑅𝑖𝑡	NOUN
gujaf-67	182	36	+	+	CCONJ
gujaf-67	182	37	𝛽6𝑆𝐼𝑍𝐸𝑖𝑡	𝛽6𝑆𝐼𝑍𝐸𝑖𝑡	NOUN
gujaf-67	182	38	+	+	CCONJ
gujaf-67	182	39	ɛ𝑖𝑡	ɛ𝑖𝑡	NOUN
gujaf-67	182	40	where	where	SCONJ
gujaf-67	182	41	:	:	PUNCT
gujaf-67	182	42	β0β6represent	β0β6represent	PUNCT
gujaf-67	182	43	the	the	DET
gujaf-67	182	44	parameters	parameter	NOUN
gujaf-67	182	45	of	of	ADP
gujaf-67	182	46	the	the	DET
gujaf-67	182	47	model	model	NOUN
gujaf-67	182	48	to	to	PART
gujaf-67	182	49	be	be	AUX
gujaf-67	182	50	estimated	estimate	VERB
gujaf-67	182	51	,	,	PUNCT
gujaf-67	182	52	ɛ	ɛ	PROPN
gujaf-67	182	53	is	be	AUX
gujaf-67	182	54	the	the	DET
gujaf-67	182	55	disturbanceerror	disturbanceerror	NOUN
gujaf-67	182	56	term	term	NOUN
gujaf-67	182	57	while	while	SCONJ
gujaf-67	182	58	subscripts	subscript	NOUN
gujaf-67	182	59	i	i	PRON
gujaf-67	182	60	and	and	CCONJ
gujaf-67	182	61	t	t	PROPN
gujaf-67	182	62	represent	represent	VERB
gujaf-67	182	63	bank	bank	NOUN
gujaf-67	182	64	and	and	CCONJ
gujaf-67	182	65	year	year	NOUN
gujaf-67	182	66	respectively	respectively	ADV
gujaf-67	182	67	.	.	PUNCT
gujaf-67	183	1	there	there	PRON
gujaf-67	183	2	are	be	VERB
gujaf-67	183	3	several	several	ADJ
gujaf-67	183	4	measures	measure	NOUN
gujaf-67	183	5	of	of	ADP
gujaf-67	183	6	efficiency	efficiency	NOUN
gujaf-67	183	7	documented	document	VERB
gujaf-67	183	8	in	in	ADP
gujaf-67	183	9	the	the	DET
gujaf-67	183	10	literature	literature	NOUN
gujaf-67	183	11	.	.	PUNCT
gujaf-67	184	1	in	in	ADP
gujaf-67	184	2	this	this	DET
gujaf-67	184	3	study	study	NOUN
gujaf-67	184	4	,	,	PUNCT
gujaf-67	184	5	efficiency	efficiency	NOUN
gujaf-67	184	6	is	be	AUX
gujaf-67	184	7	measured	measure	VERB
gujaf-67	184	8	using	use	VERB
gujaf-67	184	9	efficiency	efficiency	NOUN
gujaf-67	184	10	ratio	ratio	NOUN
gujaf-67	184	11	(	(	PUNCT
gujaf-67	184	12	er	er	INTJ
gujaf-67	184	13	)	)	PUNCT
gujaf-67	184	14	.	.	PUNCT
gujaf-67	185	1	the	the	DET
gujaf-67	185	2	ratio	ratio	NOUN
gujaf-67	185	3	is	be	AUX
gujaf-67	185	4	calculated	calculate	VERB
gujaf-67	185	5	as	as	ADP
gujaf-67	185	6	a	a	DET
gujaf-67	185	7	bank	bank	NOUN
gujaf-67	185	8	’s	’s	PART
gujaf-67	185	9	non	non	ADJ
gujaf-67	185	10	-	-	ADJ
gujaf-67	185	11	interest	interest	ADJ
gujaf-67	185	12	expense	expense	NOUN
gujaf-67	185	13	divided	divide	VERB
gujaf-67	185	14	by	by	ADP
gujaf-67	185	15	its	its	PRON
gujaf-67	185	16	total	total	ADJ
gujaf-67	185	17	income	income	NOUN
gujaf-67	185	18	.	.	PUNCT
gujaf-67	186	1	the	the	DET
gujaf-67	186	2	literature	literature	NOUN
gujaf-67	186	3	has	have	AUX
gujaf-67	186	4	documented	document	VERB
gujaf-67	186	5	several	several	ADJ
gujaf-67	186	6	ratios	ratio	NOUN
gujaf-67	186	7	for	for	ADP
gujaf-67	186	8	measuring	measure	VERB
gujaf-67	186	9	capital	capital	NOUN
gujaf-67	186	10	adequacy	adequacy	NOUN
gujaf-67	186	11	.	.	PUNCT
gujaf-67	187	1	the	the	DET
gujaf-67	187	2	risk	risk	NOUN
gujaf-67	187	3	weighted	weight	VERB
gujaf-67	187	4	capital	capital	NOUN
gujaf-67	187	5	to	to	PART
gujaf-67	187	6	total	total	ADJ
gujaf-67	187	7	risk	risk	NOUN
gujaf-67	187	8	weighted	weight	VERB
gujaf-67	187	9	assets	asset	NOUN
gujaf-67	187	10	ratio	ratio	NOUN
gujaf-67	187	11	is	be	AUX
gujaf-67	187	12	preferred	prefer	VERB
gujaf-67	187	13	in	in	ADP
gujaf-67	187	14	this	this	DET
gujaf-67	187	15	paper	paper	NOUN
gujaf-67	187	16	in	in	ADP
gujaf-67	187	17	view	view	NOUN
gujaf-67	187	18	its	its	PRON
gujaf-67	187	19	superiority	superiority	NOUN
gujaf-67	187	20	to	to	ADP
gujaf-67	187	21	other	other	ADJ
gujaf-67	187	22	measures	measure	NOUN
gujaf-67	187	23	because	because	SCONJ
gujaf-67	187	24	it	it	PRON
gujaf-67	187	25	focuses	focus	VERB
gujaf-67	187	26	on	on	ADP
gujaf-67	187	27	the	the	DET
gujaf-67	187	28	core	core	ADJ
gujaf-67	187	29	capital	capital	NOUN
gujaf-67	187	30	of	of	ADP
gujaf-67	187	31	a	a	DET
gujaf-67	187	32	bank	bank	NOUN
gujaf-67	187	33	as	as	ADP
gujaf-67	187	34	a	a	DET
gujaf-67	187	35	ratio	ratio	NOUN
gujaf-67	187	36	of	of	ADP
gujaf-67	187	37	its	its	PRON
gujaf-67	187	38	assets	asset	NOUN
gujaf-67	187	39	that	that	PRON
gujaf-67	187	40	are	be	AUX
gujaf-67	187	41	risk	risk	NOUN
gujaf-67	187	42	based	base	VERB
gujaf-67	187	43	(	(	PUNCT
gujaf-67	187	44	aspal	aspal	PROPN
gujaf-67	187	45	&	&	CCONJ
gujaf-67	187	46	dhawan	dhawan	PROPN
gujaf-67	187	47	,	,	PUNCT
gujaf-67	187	48	2016	2016	NUM
gujaf-67	187	49	)	)	PUNCT
gujaf-67	187	50	.	.	PUNCT
gujaf-67	188	1	the	the	DET
gujaf-67	188	2	risk	risk	NOUN
gujaf-67	188	3	weighted	weight	VERB
gujaf-67	188	4	capital	capital	NOUN
gujaf-67	188	5	includes	include	VERB
gujaf-67	188	6	both	both	DET
gujaf-67	188	7	tier	tier	NOUN
gujaf-67	188	8	1	1	NUM
gujaf-67	188	9	and	and	CCONJ
gujaf-67	188	10	tier	tier	NOUN
gujaf-67	188	11	2	2	NUM
gujaf-67	188	12	capitals	capital	NOUN
gujaf-67	188	13	.	.	PUNCT
gujaf-67	189	1	tier	tier	NOUN
gujaf-67	189	2	1	1	NUM
gujaf-67	189	3	capital	capital	NOUN
gujaf-67	189	4	is	be	AUX
gujaf-67	189	5	a	a	DET
gujaf-67	189	6	bank	bank	NOUN
gujaf-67	189	7	's	's	PART
gujaf-67	189	8	core	core	NOUN
gujaf-67	189	9	capital	capital	NOUN
gujaf-67	189	10	that	that	PRON
gujaf-67	189	11	consists	consist	VERB
gujaf-67	189	12	of	of	ADP
gujaf-67	189	13	shareholders	shareholder	NOUN
gujaf-67	189	14	'	'	PART
gujaf-67	189	15	equity	equity	NOUN
gujaf-67	189	16	and	and	CCONJ
gujaf-67	189	17	retained	retain	VERB
gujaf-67	189	18	earnings	earning	NOUN
gujaf-67	189	19	while	while	SCONJ
gujaf-67	189	20	tier	tier	NOUN
gujaf-67	189	21	2	2	NUM
gujaf-67	189	22	is	be	AUX
gujaf-67	189	23	a	a	DET
gujaf-67	189	24	bank	bank	NOUN
gujaf-67	189	25	's	's	PART
gujaf-67	189	26	supplementary	supplementary	ADJ
gujaf-67	189	27	capital	capital	NOUN
gujaf-67	189	28	that	that	PRON
gujaf-67	189	29	includes	include	VERB
gujaf-67	189	30	un	un	ADJ
gujaf-67	189	31	-	-	ADJ
gujaf-67	189	32	disclosed	disclose	VERB
gujaf-67	189	33	reserves	reserve	NOUN
gujaf-67	189	34	,	,	PUNCT
gujaf-67	189	35	subordinated	subordinated	ADJ
gujaf-67	189	36	term	term	NOUN
gujaf-67	189	37	debts	debt	NOUN
gujaf-67	189	38	,	,	PUNCT
gujaf-67	189	39	hybrid	hybrid	ADJ
gujaf-67	189	40	financial	financial	ADJ
gujaf-67	189	41	products	product	NOUN
gujaf-67	189	42	,	,	PUNCT
gujaf-67	189	43	and	and	CCONJ
gujaf-67	189	44	other	other	ADJ
gujaf-67	189	45	items	item	NOUN
gujaf-67	189	46	.	.	PUNCT
gujaf-67	190	1	there	there	PRON
gujaf-67	190	2	are	be	VERB
gujaf-67	190	3	many	many	ADJ
gujaf-67	190	4	measures	measure	NOUN
gujaf-67	190	5	of	of	ADP
gujaf-67	190	6	asset	asset	NOUN
gujaf-67	190	7	quality	quality	NOUN
gujaf-67	190	8	of	of	ADP
gujaf-67	190	9	banks	bank	NOUN
gujaf-67	190	10	.	.	PUNCT
gujaf-67	191	1	notwithstanding	notwithstanding	ADP
gujaf-67	191	2	the	the	DET
gujaf-67	191	3	different	different	ADJ
gujaf-67	191	4	measures	measure	NOUN
gujaf-67	191	5	however	however	ADV
gujaf-67	191	6	,	,	PUNCT
gujaf-67	191	7	in	in	ADP
gujaf-67	191	8	this	this	DET
gujaf-67	191	9	paper	paper	NOUN
gujaf-67	191	10	,	,	PUNCT
gujaf-67	191	11	the	the	DET
gujaf-67	191	12	ratio	ratio	NOUN
gujaf-67	191	13	of	of	ADP
gujaf-67	191	14	npls	npls	NOUN
gujaf-67	191	15	/	/	SYM
gujaf-67	191	16	ta	ta	PROPN
gujaf-67	191	17	is	be	AUX
gujaf-67	191	18	preferred	prefer	VERB
gujaf-67	191	19	because	because	SCONJ
gujaf-67	191	20	the	the	DET
gujaf-67	191	21	core	core	NOUN
gujaf-67	191	22	business	business	NOUN
gujaf-67	191	23	of	of	ADP
gujaf-67	191	24	banks	bank	NOUN
gujaf-67	191	25	is	be	AUX
gujaf-67	191	26	lending	lend	VERB
gujaf-67	191	27	and	and	CCONJ
gujaf-67	191	28	banks	bank	NOUN
gujaf-67	191	29	’	’	PART
gujaf-67	191	30	lending	lending	NOUN
gujaf-67	191	31	activities	activity	NOUN
gujaf-67	191	32	.	.	PUNCT
gujaf-67	192	1	since	since	SCONJ
gujaf-67	192	2	a	a	DET
gujaf-67	192	3	bank	bank	NOUN
gujaf-67	192	4	's	's	PART
gujaf-67	192	5	asset	asset	NOUN
gujaf-67	192	6	quality	quality	NOUN
gujaf-67	192	7	measures	measure	NOUN
gujaf-67	192	8	how	how	SCONJ
gujaf-67	192	9	well	well	ADV
gujaf-67	192	10	credits	credit	NOUN
gujaf-67	192	11	are	be	AUX
gujaf-67	192	12	created	create	VERB
gujaf-67	192	13	,	,	PUNCT
gujaf-67	192	14	managed	manage	VERB
gujaf-67	192	15	and	and	CCONJ
gujaf-67	192	16	recovered	recover	VERB
gujaf-67	192	17	,	,	PUNCT
gujaf-67	192	18	benchmarking	benchmarke	VERB
gujaf-67	192	19	non	non	ADJ
gujaf-67	192	20	-	-	ADJ
gujaf-67	192	21	performing	performing	ADJ
gujaf-67	192	22	loans	loan	NOUN
gujaf-67	192	23	with	with	ADP
gujaf-67	192	24	total	total	ADJ
gujaf-67	192	25	assets	asset	NOUN
gujaf-67	192	26	is	be	AUX
gujaf-67	192	27	preferred	prefer	VERB
gujaf-67	192	28	.	.	PUNCT
gujaf-67	193	1	different	different	ADJ
gujaf-67	193	2	financial	financial	ADJ
gujaf-67	193	3	and	and	CCONJ
gujaf-67	193	4	non	non	ADJ
gujaf-67	193	5	-	-	ADJ
gujaf-67	193	6	financial	financial	ADJ
gujaf-67	193	7	measures	measure	NOUN
gujaf-67	193	8	are	be	AUX
gujaf-67	193	9	used	use	VERB
gujaf-67	193	10	to	to	PART
gujaf-67	193	11	represent	represent	VERB
gujaf-67	193	12	earnings	earning	NOUN
gujaf-67	193	13	.	.	PUNCT
gujaf-67	194	1	of	of	ADP
gujaf-67	194	2	the	the	DET
gujaf-67	194	3	numerous	numerous	ADJ
gujaf-67	194	4	financial	financial	ADJ
gujaf-67	194	5	measures	measure	NOUN
gujaf-67	194	6	that	that	PRON
gujaf-67	194	7	are	be	AUX
gujaf-67	194	8	commonly	commonly	ADV
gujaf-67	194	9	found	find	VERB
gujaf-67	194	10	in	in	ADP
gujaf-67	194	11	the	the	DET
gujaf-67	194	12	literature	literature	NOUN
gujaf-67	194	13	,	,	PUNCT
gujaf-67	194	14	return	return	VERB
gujaf-67	194	15	on	on	ADP
gujaf-67	194	16	assets	asset	NOUN
gujaf-67	194	17	(	(	PUNCT
gujaf-67	194	18	roa	roa	NOUN
gujaf-67	194	19	)	)	PUNCT
gujaf-67	194	20	and	and	CCONJ
gujaf-67	194	21	return	return	VERB
gujaf-67	194	22	on	on	ADP
gujaf-67	194	23	equity	equity	NOUN
gujaf-67	194	24	(	(	PUNCT
gujaf-67	194	25	roe	roe	PROPN
gujaf-67	194	26	)	)	PUNCT
gujaf-67	194	27	are	be	AUX
gujaf-67	194	28	the	the	DET
gujaf-67	194	29	most	most	ADV
gujaf-67	194	30	popular	popular	ADJ
gujaf-67	194	31	ratios	ratio	NOUN
gujaf-67	194	32	utilised	utilise	VERB
gujaf-67	194	33	.	.	PUNCT
gujaf-67	195	1	in	in	ADP
gujaf-67	195	2	this	this	DET
gujaf-67	195	3	paper	paper	NOUN
gujaf-67	195	4	,	,	PUNCT
gujaf-67	195	5	roa	roa	PROPN
gujaf-67	195	6	,	,	PUNCT
gujaf-67	195	7	which	which	PRON
gujaf-67	195	8	is	be	AUX
gujaf-67	195	9	defined	define	VERB
gujaf-67	195	10	as	as	ADP
gujaf-67	195	11	the	the	DET
gujaf-67	195	12	gusau	gusau	ADJ
gujaf-67	195	13	journal	journal	NOUN
gujaf-67	195	14	of	of	ADP
gujaf-67	195	15	accounting	accounting	NOUN
gujaf-67	195	16	and	and	CCONJ
gujaf-67	195	17	finance	finance	NOUN
gujaf-67	195	18	,	,	PUNCT
gujaf-67	195	19	vol	vol	NOUN
gujaf-67	195	20	.	.	PROPN
gujaf-67	195	21	2	2	NUM
gujaf-67	195	22	,	,	PUNCT
gujaf-67	195	23	issue	issue	NOUN
gujaf-67	195	24	2	2	NUM
gujaf-67	195	25	,	,	PUNCT
gujaf-67	195	26	april	april	PROPN
gujaf-67	195	27	,	,	PUNCT
gujaf-67	195	28	2021	2021	NUM
gujaf-67	195	29	10	10	NUM
gujaf-67	195	30	ratio	ratio	NOUN
gujaf-67	195	31	of	of	ADP
gujaf-67	195	32	a	a	DET
gujaf-67	195	33	bank	bank	NOUN
gujaf-67	195	34	’s	’s	PART
gujaf-67	195	35	profit	profit	NOUN
gujaf-67	195	36	before	before	ADP
gujaf-67	195	37	tax	tax	NOUN
gujaf-67	195	38	(	(	PUNCT
gujaf-67	195	39	pat	pat	PROPN
gujaf-67	195	40	)	)	PUNCT
gujaf-67	195	41	toits	toit	VERB
gujaf-67	195	42	total	total	ADJ
gujaf-67	195	43	assets	asset	NOUN
gujaf-67	195	44	is	be	AUX
gujaf-67	195	45	used	use	VERB
gujaf-67	195	46	because	because	SCONJ
gujaf-67	195	47	unlike	unlike	ADP
gujaf-67	195	48	roe	roe	NOUN
gujaf-67	195	49	,	,	PUNCT
gujaf-67	195	50	the	the	DET
gujaf-67	195	51	ratio	ratio	NOUN
gujaf-67	195	52	of	of	ADP
gujaf-67	195	53	roa	roa	PROPN
gujaf-67	195	54	captures	capture	VERB
gujaf-67	195	55	financial	financial	ADJ
gujaf-67	195	56	leverage	leverage	NOUN
gujaf-67	195	57	and	and	CCONJ
gujaf-67	195	58	the	the	DET
gujaf-67	195	59	risks	risk	NOUN
gujaf-67	195	60	associated	associate	VERB
gujaf-67	195	61	with	with	ADP
gujaf-67	195	62	it	it	PRON
gujaf-67	195	63	.	.	PUNCT
gujaf-67	196	1	liquidity	liquidity	NOUN
gujaf-67	196	2	is	be	AUX
gujaf-67	196	3	measured	measure	VERB
gujaf-67	196	4	using	use	VERB
gujaf-67	196	5	a	a	DET
gujaf-67	196	6	number	number	NOUN
gujaf-67	196	7	of	of	ADP
gujaf-67	196	8	financial	financial	ADJ
gujaf-67	196	9	ratios	ratio	NOUN
gujaf-67	196	10	.	.	PUNCT
gujaf-67	197	1	of	of	ADP
gujaf-67	197	2	the	the	DET
gujaf-67	197	3	different	different	ADJ
gujaf-67	197	4	ratios	ratio	NOUN
gujaf-67	197	5	used	use	VERB
gujaf-67	197	6	,	,	PUNCT
gujaf-67	197	7	the	the	DET
gujaf-67	197	8	ratio	ratio	NOUN
gujaf-67	197	9	of	of	ADP
gujaf-67	197	10	total	total	ADJ
gujaf-67	197	11	loans	loan	NOUN
gujaf-67	197	12	and	and	CCONJ
gujaf-67	197	13	advances	advance	NOUN
gujaf-67	197	14	to	to	ADP
gujaf-67	197	15	total	total	ADJ
gujaf-67	197	16	deposits	deposit	NOUN
gujaf-67	197	17	(	(	PUNCT
gujaf-67	197	18	tla	tla	NOUN
gujaf-67	197	19	/	/	SYM
gujaf-67	197	20	td	td	NOUN
gujaf-67	197	21	)	)	PUNCT
gujaf-67	197	22	that	that	PRON
gujaf-67	197	23	measures	measure	VERB
gujaf-67	197	24	the	the	DET
gujaf-67	197	25	liquidity	liquidity	NOUN
gujaf-67	197	26	available	available	ADJ
gujaf-67	197	27	to	to	ADP
gujaf-67	197	28	the	the	DET
gujaf-67	197	29	total	total	ADJ
gujaf-67	197	30	deposits	deposit	NOUN
gujaf-67	197	31	of	of	ADP
gujaf-67	197	32	a	a	DET
gujaf-67	197	33	bank	bank	NOUN
gujaf-67	197	34	is	be	AUX
gujaf-67	197	35	preferred	prefer	VERB
gujaf-67	197	36	.	.	PUNCT
gujaf-67	198	1	this	this	PRON
gujaf-67	198	2	is	be	AUX
gujaf-67	198	3	because	because	SCONJ
gujaf-67	198	4	as	as	ADP
gujaf-67	198	5	a	a	DET
gujaf-67	198	6	deposit	deposit	NOUN
gujaf-67	198	7	run	run	VERB
gujaf-67	198	8	-	-	PUNCT
gujaf-67	198	9	off	off	ADP
gujaf-67	198	10	ratio	ratio	NOUN
gujaf-67	198	11	,	,	PUNCT
gujaf-67	198	12	the	the	DET
gujaf-67	198	13	ratio	ratio	NOUN
gujaf-67	198	14	shows	show	VERB
gujaf-67	198	15	a	a	DET
gujaf-67	198	16	bank	bank	NOUN
gujaf-67	198	17	's	's	PART
gujaf-67	198	18	ability	ability	NOUN
gujaf-67	198	19	to	to	PART
gujaf-67	198	20	continuously	continuously	ADV
gujaf-67	198	21	use	use	VERB
gujaf-67	198	22	its	its	PRON
gujaf-67	198	23	deposits	deposit	NOUN
gujaf-67	198	24	and	and	CCONJ
gujaf-67	198	25	short	short	ADJ
gujaf-67	198	26	term	term	NOUN
gujaf-67	198	27	liquidity	liquidity	NOUN
gujaf-67	198	28	position	position	NOUN
gujaf-67	198	29	to	to	PART
gujaf-67	198	30	meet	meet	VERB
gujaf-67	198	31	its	its	PRON
gujaf-67	198	32	customer	customer	NOUN
gujaf-67	198	33	needs	need	NOUN
gujaf-67	198	34	and	and	CCONJ
gujaf-67	198	35	short	short	ADJ
gujaf-67	198	36	-	-	PUNCT
gujaf-67	198	37	term	term	NOUN
gujaf-67	198	38	liabilities	liability	NOUN
gujaf-67	198	39	(	(	PUNCT
gujaf-67	198	40	wapmuk	wapmuk	ADJ
gujaf-67	198	41	,	,	PUNCT
gujaf-67	198	42	2016	2016	NUM
gujaf-67	198	43	)	)	PUNCT
gujaf-67	198	44	.	.	PUNCT
gujaf-67	199	1	in	in	ADP
gujaf-67	199	2	this	this	DET
gujaf-67	199	3	paper	paper	NOUN
gujaf-67	199	4	,	,	PUNCT
gujaf-67	199	5	sensitivity	sensitivity	NOUN
gujaf-67	199	6	to	to	PART
gujaf-67	199	7	market	market	NOUN
gujaf-67	199	8	risk	risk	NOUN
gujaf-67	199	9	is	be	AUX
gujaf-67	199	10	measured	measure	VERB
gujaf-67	199	11	in	in	ADP
gujaf-67	199	12	line	line	NOUN
gujaf-67	199	13	with	with	ADP
gujaf-67	199	14	the	the	DET
gujaf-67	199	15	suggestion	suggestion	NOUN
gujaf-67	199	16	of	of	ADP
gujaf-67	199	17	wapmuk	wapmuk	ADJ
gujaf-67	199	18	(	(	PUNCT
gujaf-67	199	19	2016	2016	NUM
gujaf-67	199	20	)	)	PUNCT
gujaf-67	199	21	.	.	PUNCT
gujaf-67	200	1	according	accord	VERB
gujaf-67	200	2	to	to	ADP
gujaf-67	200	3	him	he	PRON
gujaf-67	200	4	,	,	PUNCT
gujaf-67	200	5	the	the	DET
gujaf-67	200	6	ratio	ratio	NOUN
gujaf-67	200	7	of	of	ADP
gujaf-67	200	8	net	net	ADJ
gujaf-67	200	9	interest	interest	NOUN
gujaf-67	200	10	income	income	NOUN
gujaf-67	200	11	to	to	PART
gujaf-67	200	12	average	average	VERB
gujaf-67	200	13	total	total	ADJ
gujaf-67	200	14	assets	asset	NOUN
gujaf-67	200	15	is	be	AUX
gujaf-67	200	16	a	a	DET
gujaf-67	200	17	good	good	ADJ
gujaf-67	200	18	proxy	proxy	NOUN
gujaf-67	200	19	for	for	ADP
gujaf-67	200	20	sensitivity	sensitivity	NOUN
gujaf-67	200	21	to	to	ADP
gujaf-67	200	22	market	market	NOUN
gujaf-67	200	23	risk	risk	NOUN
gujaf-67	200	24	.	.	PUNCT
gujaf-67	201	1	the	the	DET
gujaf-67	201	2	ratio	ratio	NOUN
gujaf-67	201	3	shows	show	VERB
gujaf-67	201	4	the	the	DET
gujaf-67	201	5	relationship	relationship	NOUN
gujaf-67	201	6	between	between	ADP
gujaf-67	201	7	the	the	DET
gujaf-67	201	8	total	total	ADJ
gujaf-67	201	9	loans	loan	NOUN
gujaf-67	201	10	portfolio	portfolio	NOUN
gujaf-67	201	11	of	of	ADP
gujaf-67	201	12	a	a	DET
gujaf-67	201	13	bank	bank	NOUN
gujaf-67	201	14	and	and	CCONJ
gujaf-67	201	15	its	its	PRON
gujaf-67	201	16	assets	asset	NOUN
gujaf-67	201	17	.	.	PUNCT
gujaf-67	202	1	it	it	PRON
gujaf-67	202	2	also	also	ADV
gujaf-67	202	3	provides	provide	VERB
gujaf-67	202	4	the	the	DET
gujaf-67	202	5	percentage	percentage	NOUN
gujaf-67	202	6	change	change	NOUN
gujaf-67	202	7	of	of	ADP
gujaf-67	202	8	the	the	DET
gujaf-67	202	9	portfolio	portfolio	NOUN
gujaf-67	202	10	in	in	ADP
gujaf-67	202	11	changes	change	NOUN
gujaf-67	202	12	related	relate	VERB
gujaf-67	202	13	to	to	ADP
gujaf-67	202	14	interest	interest	NOUN
gujaf-67	202	15	rates	rate	NOUN
gujaf-67	202	16	or	or	CCONJ
gujaf-67	202	17	other	other	ADJ
gujaf-67	202	18	issues	issue	NOUN
gujaf-67	202	19	related	relate	VERB
gujaf-67	202	20	to	to	ADP
gujaf-67	202	21	financial	financial	ADJ
gujaf-67	202	22	intermediation	intermediation	NOUN
gujaf-67	202	23	activities	activity	NOUN
gujaf-67	202	24	of	of	ADP
gujaf-67	202	25	the	the	DET
gujaf-67	202	26	bank	bank	NOUN
gujaf-67	202	27	.	.	PUNCT
gujaf-67	203	1	4	4	X
gujaf-67	203	2	.	.	X
gujaf-67	203	3	analysis	analysis	NOUN
gujaf-67	203	4	and	and	CCONJ
gujaf-67	203	5	interpretation	interpretation	NOUN
gujaf-67	203	6	the	the	DET
gujaf-67	203	7	summary	summary	NOUN
gujaf-67	203	8	of	of	ADP
gujaf-67	203	9	the	the	DET
gujaf-67	203	10	descriptive	descriptive	ADJ
gujaf-67	203	11	statistics	statistic	NOUN
gujaf-67	203	12	of	of	ADP
gujaf-67	203	13	the	the	DET
gujaf-67	203	14	variables	variable	NOUN
gujaf-67	203	15	used	use	VERB
gujaf-67	203	16	is	be	AUX
gujaf-67	203	17	presented	present	VERB
gujaf-67	203	18	in	in	ADP
gujaf-67	203	19	table	table	NOUN
gujaf-67	203	20	1	1	NUM
gujaf-67	203	21	.	.	PUNCT
gujaf-67	204	1	the	the	DET
gujaf-67	204	2	statistics	statistic	NOUN
gujaf-67	204	3	provide	provide	VERB
gujaf-67	204	4	information	information	NOUN
gujaf-67	204	5	on	on	ADP
gujaf-67	204	6	the	the	DET
gujaf-67	204	7	dataset	dataset	NOUN
gujaf-67	204	8	in	in	ADP
gujaf-67	204	9	terms	term	NOUN
gujaf-67	204	10	of	of	ADP
gujaf-67	204	11	its	its	PRON
gujaf-67	204	12	distribution	distribution	NOUN
gujaf-67	204	13	and	and	CCONJ
gujaf-67	204	14	features	feature	NOUN
gujaf-67	204	15	.	.	PUNCT
gujaf-67	205	1	table	table	NOUN
gujaf-67	205	2	1	1	NUM
gujaf-67	205	3	:	:	PUNCT
gujaf-67	205	4	summary	summary	NOUN
gujaf-67	205	5	of	of	ADP
gujaf-67	205	6	descriptive	descriptive	ADJ
gujaf-67	205	7	statistics	statistic	NOUN
gujaf-67	205	8	variable	variable	ADJ
gujaf-67	205	9	obs	obs	PROPN
gujaf-67	205	10	mean	mean	VERB
gujaf-67	205	11	std	std	PROPN
gujaf-67	205	12	.	.	PROPN
gujaf-67	206	1	dev	dev	PROPN
gujaf-67	206	2	.	.	PUNCT
gujaf-67	207	1	min	min	PROPN
gujaf-67	207	2	max	max	PROPN
gujaf-67	207	3	efcy	efcy	VERB
gujaf-67	207	4	126	126	NUM
gujaf-67	207	5	0.058	0.058	NUM
gujaf-67	207	6	0.039	0.039	NUM
gujaf-67	207	7	0.010	0.010	NUM
gujaf-67	207	8	0.198	0.198	NUM
gujaf-67	207	9	caad	caad	NOUN
gujaf-67	207	10	126	126	NUM
gujaf-67	207	11	0.314	0.314	NUM
gujaf-67	207	12	0.095	0.095	NUM
gujaf-67	207	13	0.014	0.014	NUM
gujaf-67	207	14	0.654	0.654	NUM
gujaf-67	207	15	astq	astq	NOUN
gujaf-67	207	16	126	126	NUM
gujaf-67	207	17	0.142	0.142	NUM
gujaf-67	207	18	0.055	0.055	NUM
gujaf-67	207	19	0.036	0.036	NUM
gujaf-67	207	20	0.302	0.302	NUM
gujaf-67	207	21	roas	roas	ADJ
gujaf-67	207	22	126	126	NUM
gujaf-67	207	23	0.848	0.848	NUM
gujaf-67	207	24	0.256	0.256	NUM
gujaf-67	207	25	0.207	0.207	NUM
gujaf-67	207	26	2.464	2.464	NUM
gujaf-67	207	27	lqdt	lqdt	NOUN
gujaf-67	207	28	126	126	NUM
gujaf-67	207	29	0.810	0.810	NUM
gujaf-67	207	30	0.148	0.148	NUM
gujaf-67	207	31	0.194	0.194	NUM
gujaf-67	207	32	1.000	1.000	NUM
gujaf-67	207	33	smkr	smkr	NOUN
gujaf-67	207	34	126	126	NUM
gujaf-67	207	35	0.249	0.249	NUM
gujaf-67	207	36	0.095	0.095	NUM
gujaf-67	207	37	0.105	0.105	NUM
gujaf-67	207	38	0.786	0.786	NUM
gujaf-67	207	39	size	size	NOUN
gujaf-67	207	40	126	126	NUM
gujaf-67	207	41	5.890	5.890	NUM
gujaf-67	207	42	0.446	0.446	NUM
gujaf-67	207	43	4.860	4.860	NUM
gujaf-67	207	44	6.597	6.597	NUM
gujaf-67	207	45	source	source	NOUN
gujaf-67	207	46	:	:	PUNCT
gujaf-67	207	47	authors	author	NOUN
gujaf-67	207	48	’	’	PART
gujaf-67	207	49	extraction	extraction	NOUN
gujaf-67	207	50	from	from	ADP
gujaf-67	207	51	output	output	NOUN
gujaf-67	207	52	generated	generate	VERB
gujaf-67	207	53	by	by	ADP
gujaf-67	207	54	stata	stata	NOUN
gujaf-67	207	55	table	table	NOUN
gujaf-67	207	56	1	1	NUM
gujaf-67	207	57	shows	show	VERB
gujaf-67	207	58	the	the	DET
gujaf-67	207	59	summary	summary	NOUN
gujaf-67	207	60	of	of	ADP
gujaf-67	207	61	the	the	DET
gujaf-67	207	62	descriptive	descriptive	ADJ
gujaf-67	207	63	statistics	statistic	NOUN
gujaf-67	207	64	for	for	ADP
gujaf-67	207	65	the	the	DET
gujaf-67	207	66	variables	variable	NOUN
gujaf-67	207	67	of	of	ADP
gujaf-67	207	68	the	the	DET
gujaf-67	207	69	study	study	NOUN
gujaf-67	207	70	.	.	PUNCT
gujaf-67	208	1	the	the	DET
gujaf-67	208	2	mean	mean	ADJ
gujaf-67	208	3	value	value	NOUN
gujaf-67	208	4	for	for	ADP
gujaf-67	208	5	efficiency	efficiency	NOUN
gujaf-67	208	6	(	(	PUNCT
gujaf-67	208	7	efcy	efcy	PROPN
gujaf-67	208	8	)	)	PUNCT
gujaf-67	208	9	is	be	AUX
gujaf-67	208	10	0.058	0.058	NUM
gujaf-67	208	11	while	while	SCONJ
gujaf-67	208	12	the	the	DET
gujaf-67	208	13	standard	standard	ADJ
gujaf-67	208	14	deviation	deviation	NOUN
gujaf-67	208	15	is	be	AUX
gujaf-67	208	16	0.039	0.039	NUM
gujaf-67	208	17	.	.	PUNCT
gujaf-67	209	1	the	the	DET
gujaf-67	209	2	mean	mean	NOUN
gujaf-67	209	3	lies	lie	VERB
gujaf-67	209	4	between	between	ADP
gujaf-67	209	5	the	the	DET
gujaf-67	209	6	minimum	minimum	ADJ
gujaf-67	209	7	and	and	CCONJ
gujaf-67	209	8	maximum	maximum	ADJ
gujaf-67	209	9	values	value	NOUN
gujaf-67	209	10	of	of	ADP
gujaf-67	209	11	0.010	0.010	NUM
gujaf-67	209	12	and	and	CCONJ
gujaf-67	209	13	0.198	0.198	NUM
gujaf-67	209	14	respectively	respectively	ADV
gujaf-67	209	15	.	.	PUNCT
gujaf-67	210	1	the	the	DET
gujaf-67	210	2	standard	standard	ADJ
gujaf-67	210	3	deviation	deviation	NOUN
gujaf-67	210	4	of	of	ADP
gujaf-67	210	5	0.039	0.039	NUM
gujaf-67	210	6	indicates	indicate	VERB
gujaf-67	210	7	absence	absence	NOUN
gujaf-67	210	8	of	of	ADP
gujaf-67	210	9	wide	wide	ADJ
gujaf-67	210	10	dispersion	dispersion	NOUN
gujaf-67	210	11	of	of	ADP
gujaf-67	210	12	the	the	DET
gujaf-67	210	13	dataset	dataset	NOUN
gujaf-67	210	14	from	from	ADP
gujaf-67	210	15	the	the	DET
gujaf-67	210	16	mean	mean	NOUN
gujaf-67	210	17	.	.	PUNCT
gujaf-67	211	1	capital	capital	NOUN
gujaf-67	211	2	adequacy	adequacy	NOUN
gujaf-67	211	3	(	(	PUNCT
gujaf-67	211	4	caad	caad	PROPN
gujaf-67	211	5	)	)	PUNCT
gujaf-67	211	6	reported	report	VERB
gujaf-67	211	7	a	a	DET
gujaf-67	211	8	mean	mean	ADJ
gujaf-67	211	9	value	value	NOUN
gujaf-67	211	10	of	of	ADP
gujaf-67	211	11	0.314	0.314	NUM
gujaf-67	211	12	.	.	PUNCT
gujaf-67	212	1	the	the	DET
gujaf-67	212	2	minimum	minimum	ADJ
gujaf-67	212	3	and	and	CCONJ
gujaf-67	212	4	maximum	maximum	ADJ
gujaf-67	212	5	values	value	NOUN
gujaf-67	212	6	are	be	AUX
gujaf-67	212	7	0.014	0.014	NUM
gujaf-67	212	8	and	and	CCONJ
gujaf-67	212	9	0.654	0.654	NUM
gujaf-67	212	10	respectively	respectively	ADV
gujaf-67	212	11	.	.	PUNCT
gujaf-67	213	1	the	the	DET
gujaf-67	213	2	standard	standard	ADJ
gujaf-67	213	3	deviation	deviation	NOUN
gujaf-67	213	4	of	of	ADP
gujaf-67	213	5	0.095	0.095	NUM
gujaf-67	213	6	suggests	suggest	VERB
gujaf-67	213	7	a	a	DET
gujaf-67	213	8	wide	wide	ADJ
gujaf-67	213	9	dispersion	dispersion	NOUN
gujaf-67	213	10	of	of	ADP
gujaf-67	213	11	the	the	DET
gujaf-67	213	12	value	value	NOUN
gujaf-67	213	13	from	from	ADP
gujaf-67	213	14	the	the	DET
gujaf-67	213	15	average	average	NOUN
gujaf-67	213	16	.	.	PUNCT
gujaf-67	214	1	asset	asset	NOUN
gujaf-67	214	2	quality	quality	NOUN
gujaf-67	214	3	(	(	PUNCT
gujaf-67	214	4	astq	astq	NOUN
gujaf-67	214	5	)	)	PUNCT
gujaf-67	214	6	reported	report	VERB
gujaf-67	214	7	minimum	minimum	ADJ
gujaf-67	214	8	and	and	CCONJ
gujaf-67	214	9	maximum	maximum	ADJ
gujaf-67	214	10	values	value	NOUN
gujaf-67	214	11	of	of	ADP
gujaf-67	214	12	0.036	0.036	NUM
gujaf-67	214	13	and	and	CCONJ
gujaf-67	214	14	0.302	0.302	NUM
gujaf-67	214	15	respectively	respectively	ADV
gujaf-67	214	16	.	.	PUNCT
gujaf-67	215	1	a	a	DET
gujaf-67	215	2	cursory	cursory	NOUN
gujaf-67	215	3	look	look	NOUN
gujaf-67	215	4	at	at	ADP
gujaf-67	215	5	the	the	DET
gujaf-67	215	6	values	value	NOUN
gujaf-67	215	7	indicates	indicate	VERB
gujaf-67	215	8	a	a	DET
gujaf-67	215	9	very	very	ADV
gujaf-67	215	10	wide	wide	ADJ
gujaf-67	215	11	gap	gap	NOUN
gujaf-67	215	12	between	between	ADP
gujaf-67	215	13	the	the	DET
gujaf-67	215	14	two	two	NUM
gujaf-67	215	15	values	value	NOUN
gujaf-67	215	16	.	.	PUNCT
gujaf-67	216	1	this	this	PRON
gujaf-67	216	2	may	may	AUX
gujaf-67	216	3	be	be	AUX
gujaf-67	216	4	as	as	ADP
gujaf-67	216	5	a	a	DET
gujaf-67	216	6	result	result	NOUN
gujaf-67	216	7	of	of	ADP
gujaf-67	216	8	different	different	ADJ
gujaf-67	216	9	asset	asset	NOUN
gujaf-67	216	10	sizes	size	NOUN
gujaf-67	216	11	of	of	ADP
gujaf-67	216	12	the	the	DET
gujaf-67	216	13	banks	bank	NOUN
gujaf-67	216	14	in	in	ADP
gujaf-67	216	15	relation	relation	NOUN
gujaf-67	216	16	to	to	ADP
gujaf-67	216	17	their	their	PRON
gujaf-67	216	18	non	non	ADJ
gujaf-67	216	19	-	-	ADJ
gujaf-67	216	20	performing	performing	ADJ
gujaf-67	216	21	loans	loan	NOUN
gujaf-67	216	22	(	(	PUNCT
gujaf-67	216	23	npls	npls	NOUN
gujaf-67	216	24	)	)	PUNCT
gujaf-67	216	25	or	or	CCONJ
gujaf-67	216	26	perhaps	perhaps	ADV
gujaf-67	216	27	a	a	DET
gujaf-67	216	28	sharp	sharp	ADJ
gujaf-67	216	29	rise	rise	NOUN
gujaf-67	216	30	(	(	PUNCT
gujaf-67	216	31	decrease	decrease	NOUN
gujaf-67	216	32	)	)	PUNCT
gujaf-67	216	33	in	in	ADP
gujaf-67	216	34	npls	npls	NOUN
gujaf-67	216	35	of	of	ADP
gujaf-67	216	36	banks	bank	NOUN
gujaf-67	216	37	.	.	PUNCT
gujaf-67	217	1	the	the	DET
gujaf-67	217	2	average	average	ADJ
gujaf-67	217	3	value	value	NOUN
gujaf-67	217	4	is	be	AUX
gujaf-67	217	5	0.142	0.142	NUM
gujaf-67	217	6	while	while	SCONJ
gujaf-67	217	7	the	the	DET
gujaf-67	217	8	standard	standard	ADJ
gujaf-67	217	9	deviation	deviation	NOUN
gujaf-67	217	10	is	be	AUX
gujaf-67	217	11	0.055	0.055	NUM
gujaf-67	217	12	.	.	PUNCT
gujaf-67	218	1	the	the	DET
gujaf-67	218	2	standard	standard	ADJ
gujaf-67	218	3	deviation	deviation	NOUN
gujaf-67	218	4	also	also	ADV
gujaf-67	218	5	corroborates	corroborate	VERB
gujaf-67	218	6	the	the	DET
gujaf-67	218	7	wide	wide	ADJ
gujaf-67	218	8	gap	gap	NOUN
gujaf-67	218	9	observed	observe	VERB
gujaf-67	218	10	between	between	ADP
gujaf-67	218	11	the	the	DET
gujaf-67	218	12	lower	low	ADJ
gujaf-67	218	13	and	and	CCONJ
gujaf-67	218	14	upper	upper	ADJ
gujaf-67	218	15	values	value	NOUN
gujaf-67	218	16	.	.	PUNCT
gujaf-67	219	1	earnings	earning	NOUN
gujaf-67	219	2	(	(	PUNCT
gujaf-67	219	3	roas	roas	NOUN
gujaf-67	219	4	)	)	PUNCT
gujaf-67	219	5	has	have	VERB
gujaf-67	219	6	a	a	DET
gujaf-67	219	7	mean	mean	ADJ
gujaf-67	219	8	value	value	NOUN
gujaf-67	219	9	of	of	ADP
gujaf-67	219	10	0.848	0.848	NUM
gujaf-67	219	11	and	and	CCONJ
gujaf-67	219	12	standard	standard	ADJ
gujaf-67	219	13	deviation	deviation	NOUN
gujaf-67	219	14	of	of	ADP
gujaf-67	219	15	0.256	0.256	NUM
gujaf-67	219	16	while	while	SCONJ
gujaf-67	219	17	the	the	DET
gujaf-67	219	18	minimum	minimum	ADJ
gujaf-67	219	19	and	and	CCONJ
gujaf-67	219	20	maximum	maximum	ADJ
gujaf-67	219	21	values	value	NOUN
gujaf-67	219	22	are	be	AUX
gujaf-67	219	23	0.207	0.207	NUM
gujaf-67	219	24	and	and	CCONJ
gujaf-67	219	25	0.464	0.464	NUM
gujaf-67	219	26	respectively	respectively	ADV
gujaf-67	219	27	.	.	PUNCT
gujaf-67	220	1	the	the	DET
gujaf-67	220	2	minimum	minimum	ADJ
gujaf-67	220	3	value	value	NOUN
gujaf-67	220	4	for	for	ADP
gujaf-67	220	5	liquidity	liquidity	NOUN
gujaf-67	220	6	(	(	PUNCT
gujaf-67	220	7	lqdt	lqdt	NOUN
gujaf-67	220	8	)	)	PUNCT
gujaf-67	220	9	is	be	AUX
gujaf-67	220	10	0.194	0.194	NUM
gujaf-67	220	11	while	while	SCONJ
gujaf-67	220	12	the	the	DET
gujaf-67	220	13	maximum	maximum	ADJ
gujaf-67	220	14	value	value	NOUN
gujaf-67	220	15	is	be	AUX
gujaf-67	220	16	1.000	1.000	NUM
gujaf-67	220	17	.	.	PUNCT
gujaf-67	221	1	this	this	PRON
gujaf-67	221	2	indicates	indicate	VERB
gujaf-67	221	3	a	a	DET
gujaf-67	221	4	very	very	ADV
gujaf-67	221	5	wide	wide	ADJ
gujaf-67	221	6	gap	gap	NOUN
gujaf-67	221	7	between	between	ADP
gujaf-67	221	8	the	the	DET
gujaf-67	221	9	two	two	NUM
gujaf-67	221	10	values	value	NOUN
gujaf-67	221	11	.	.	PUNCT
gujaf-67	222	1	the	the	DET
gujaf-67	222	2	mean	mean	ADJ
gujaf-67	222	3	value	value	NOUN
gujaf-67	222	4	of	of	ADP
gujaf-67	222	5	the	the	DET
gujaf-67	222	6	dataset	dataset	NOUN
gujaf-67	222	7	is	be	AUX
gujaf-67	222	8	0.810	0.810	NUM
gujaf-67	222	9	while	while	SCONJ
gujaf-67	222	10	the	the	DET
gujaf-67	222	11	standard	standard	ADJ
gujaf-67	222	12	deviation	deviation	NOUN
gujaf-67	222	13	is	be	AUX
gujaf-67	222	14	0.148	0.148	NUM
gujaf-67	222	15	.	.	PUNCT
gujaf-67	223	1	the	the	DET
gujaf-67	223	2	gusau	gusau	ADJ
gujaf-67	223	3	journal	journal	NOUN
gujaf-67	223	4	of	of	ADP
gujaf-67	223	5	accounting	accounting	NOUN
gujaf-67	223	6	and	and	CCONJ
gujaf-67	223	7	finance	finance	NOUN
gujaf-67	223	8	,	,	PUNCT
gujaf-67	223	9	vol	vol	NOUN
gujaf-67	223	10	.	.	PROPN
gujaf-67	223	11	2	2	NUM
gujaf-67	223	12	,	,	PUNCT
gujaf-67	223	13	issue	issue	NOUN
gujaf-67	223	14	2	2	NUM
gujaf-67	223	15	,	,	PUNCT
gujaf-67	223	16	april	april	PROPN
gujaf-67	223	17	,	,	PUNCT
gujaf-67	223	18	2021	2021	NUM
gujaf-67	223	19	11	11	NUM
gujaf-67	223	20	value	value	NOUN
gujaf-67	223	21	of	of	ADP
gujaf-67	223	22	the	the	DET
gujaf-67	223	23	standard	standard	ADJ
gujaf-67	223	24	deviation	deviation	NOUN
gujaf-67	223	25	indicates	indicate	VERB
gujaf-67	223	26	a	a	DET
gujaf-67	223	27	wide	wide	ADJ
gujaf-67	223	28	dispersion	dispersion	NOUN
gujaf-67	223	29	between	between	ADP
gujaf-67	223	30	the	the	DET
gujaf-67	223	31	standard	standard	ADJ
gujaf-67	223	32	deviation	deviation	NOUN
gujaf-67	223	33	and	and	CCONJ
gujaf-67	223	34	average	average	ADJ
gujaf-67	223	35	value	value	NOUN
gujaf-67	223	36	of	of	ADP
gujaf-67	223	37	the	the	DET
gujaf-67	223	38	dataset	dataset	NOUN
gujaf-67	223	39	.	.	PUNCT
gujaf-67	224	1	sensitivity	sensitivity	NOUN
gujaf-67	224	2	to	to	AUX
gujaf-67	224	3	market	market	NOUN
gujaf-67	224	4	risk	risk	NOUN
gujaf-67	224	5	(	(	PUNCT
gujaf-67	224	6	smkr	smkr	NOUN
gujaf-67	224	7	)	)	PUNCT
gujaf-67	224	8	has	have	VERB
gujaf-67	224	9	an	an	DET
gujaf-67	224	10	average	average	ADJ
gujaf-67	224	11	value	value	NOUN
gujaf-67	224	12	of	of	ADP
gujaf-67	224	13	0.249	0.249	NUM
gujaf-67	224	14	.	.	PUNCT
gujaf-67	225	1	the	the	DET
gujaf-67	225	2	standard	standard	ADJ
gujaf-67	225	3	deviation	deviation	NOUN
gujaf-67	225	4	of	of	ADP
gujaf-67	225	5	the	the	DET
gujaf-67	225	6	variable	variable	NOUN
gujaf-67	225	7	is	be	AUX
gujaf-67	225	8	0.095	0.095	NUM
gujaf-67	225	9	while	while	SCONJ
gujaf-67	225	10	the	the	DET
gujaf-67	225	11	minimum	minimum	ADJ
gujaf-67	225	12	and	and	CCONJ
gujaf-67	225	13	maximum	maximum	ADJ
gujaf-67	225	14	values	value	NOUN
gujaf-67	225	15	are	be	AUX
gujaf-67	225	16	0.105	0.105	NUM
gujaf-67	225	17	and	and	CCONJ
gujaf-67	225	18	0.786	0.786	NUM
gujaf-67	225	19	respectively	respectively	ADV
gujaf-67	225	20	.	.	PUNCT
gujaf-67	226	1	on	on	ADP
gujaf-67	226	2	one	one	NUM
gujaf-67	226	3	hand	hand	NOUN
gujaf-67	226	4	,	,	PUNCT
gujaf-67	226	5	the	the	DET
gujaf-67	226	6	mean	mean	ADJ
gujaf-67	226	7	and	and	CCONJ
gujaf-67	226	8	standard	standard	ADJ
gujaf-67	226	9	deviation	deviation	NOUN
gujaf-67	226	10	values	value	NOUN
gujaf-67	226	11	indicate	indicate	VERB
gujaf-67	226	12	narrow	narrow	ADJ
gujaf-67	226	13	dispersion	dispersion	NOUN
gujaf-67	226	14	between	between	ADP
gujaf-67	226	15	the	the	DET
gujaf-67	226	16	two	two	NUM
gujaf-67	226	17	statistical	statistical	ADJ
gujaf-67	226	18	measures	measure	NOUN
gujaf-67	226	19	.	.	PUNCT
gujaf-67	227	1	on	on	ADP
gujaf-67	227	2	other	other	ADJ
gujaf-67	227	3	hand	hand	NOUN
gujaf-67	227	4	,	,	PUNCT
gujaf-67	227	5	the	the	DET
gujaf-67	227	6	values	value	NOUN
gujaf-67	227	7	suggest	suggest	VERB
gujaf-67	227	8	that	that	SCONJ
gujaf-67	227	9	all	all	DET
gujaf-67	227	10	the	the	DET
gujaf-67	227	11	observations	observation	NOUN
gujaf-67	227	12	,	,	PUNCT
gujaf-67	227	13	except	except	SCONJ
gujaf-67	227	14	very	very	ADV
gujaf-67	227	15	few	few	ADJ
gujaf-67	227	16	,	,	PUNCT
gujaf-67	227	17	fell	fall	VERB
gujaf-67	227	18	within	within	ADP
gujaf-67	227	19	the	the	DET
gujaf-67	227	20	average	average	ADJ
gujaf-67	227	21	value	value	NOUN
gujaf-67	227	22	.	.	PUNCT
gujaf-67	228	1	the	the	DET
gujaf-67	228	2	control	control	NOUN
gujaf-67	228	3	variable	variable	NOUN
gujaf-67	228	4	,	,	PUNCT
gujaf-67	228	5	size	size	NOUN
gujaf-67	228	6	(	(	PUNCT
gujaf-67	228	7	size	size	NOUN
gujaf-67	228	8	)	)	PUNCT
gujaf-67	228	9	has	have	VERB
gujaf-67	228	10	a	a	DET
gujaf-67	228	11	mean	mean	ADJ
gujaf-67	228	12	value	value	NOUN
gujaf-67	228	13	of	of	ADP
gujaf-67	228	14	0.5.890	0.5.890	NOUN
gujaf-67	228	15	and	and	CCONJ
gujaf-67	228	16	standard	standard	ADJ
gujaf-67	228	17	deviation	deviation	NOUN
gujaf-67	228	18	of	of	ADP
gujaf-67	228	19	0.446	0.446	NUM
gujaf-67	228	20	.	.	PUNCT
gujaf-67	229	1	its	its	PRON
gujaf-67	229	2	minimum	minimum	ADJ
gujaf-67	229	3	and	and	CCONJ
gujaf-67	229	4	maximum	maximum	ADJ
gujaf-67	229	5	values	value	NOUN
gujaf-67	229	6	are	be	AUX
gujaf-67	229	7	4.860	4.860	NUM
gujaf-67	229	8	and	and	CCONJ
gujaf-67	229	9	6.597	6.597	NUM
gujaf-67	229	10	respectively	respectively	ADV
gujaf-67	229	11	.	.	PUNCT
gujaf-67	230	1	table	table	NOUN
gujaf-67	230	2	2	2	NUM
gujaf-67	230	3	reports	report	VERB
gujaf-67	230	4	the	the	DET
gujaf-67	230	5	pearson	pearson	PROPN
gujaf-67	230	6	correlation	correlation	NOUN
gujaf-67	230	7	coefficient	coefficient	NOUN
gujaf-67	230	8	among	among	ADP
gujaf-67	230	9	the	the	DET
gujaf-67	230	10	variables	variable	NOUN
gujaf-67	230	11	of	of	ADP
gujaf-67	230	12	the	the	DET
gujaf-67	230	13	study	study	NOUN
gujaf-67	230	14	.	.	PUNCT
gujaf-67	231	1	table	table	NOUN
gujaf-67	231	2	2	2	NUM
gujaf-67	231	3	:	:	PUNCT
gujaf-67	231	4	correlation	correlation	NOUN
gujaf-67	231	5	matrix	matrix	NOUN
gujaf-67	231	6	efcy	efcy	NOUN
gujaf-67	231	7	caad	caad	PROPN
gujaf-67	231	8	astq	astq	PROPN
gujaf-67	231	9	roas	roas	PROPN
gujaf-67	231	10	lqdt	lqdt	NOUN
gujaf-67	231	11	smkr	smkr	VERB
gujaf-67	231	12	size	size	NOUN
gujaf-67	231	13	efcy	efcy	VERB
gujaf-67	231	14	1.0000	1.0000	NUM
gujaf-67	231	15	caad	caad	NOUN
gujaf-67	231	16	0.1048	0.1048	NUM
gujaf-67	231	17	1.0000	1.0000	NUM
gujaf-67	231	18	astq	astq	NOUN
gujaf-67	231	19	0.1028	0.1028	NUM
gujaf-67	231	20	-0.0066	-0.0066	NOUN
gujaf-67	231	21	1.0000	1.0000	NUM
gujaf-67	231	22	roas	roas	NOUN
gujaf-67	231	23	-0.0938	-0.0938	NOUN
gujaf-67	232	1	0.1032	0.1032	NUM
gujaf-67	232	2	-0.2479	-0.2479	VERB
gujaf-67	232	3	1.0000	1.0000	NUM
gujaf-67	232	4	lqdt	lqdt	NOUN
gujaf-67	232	5	-0.1674	-0.1674	NOUN
gujaf-67	232	6	-0.3153	-0.3153	VERB
gujaf-67	232	7	-0.0694	-0.0694	PROPN
gujaf-67	232	8	-0.0471	-0.0471	PROPN
gujaf-67	233	1	1.0000	1.0000	NUM
gujaf-67	233	2	smkr	smkr	NOUN
gujaf-67	233	3	-0.0685	-0.0685	NOUN
gujaf-67	233	4	-0.1142	-0.1142	PROPN
gujaf-67	233	5	-0.0278	-0.0278	PROPN
gujaf-67	233	6	-0.3311	-0.3311	NOUN
gujaf-67	234	1	0.0690	0.0690	NUM
gujaf-67	234	2	1.0000	1.0000	NUM
gujaf-67	234	3	size	size	NOUN
gujaf-67	234	4	0.6387	0.6387	NUM
gujaf-67	234	5	0.4135	0.4135	NUM
gujaf-67	234	6	-0.0531	-0.0531	PUNCT
gujaf-67	234	7	0.1743	0.1743	NUM
gujaf-67	234	8	0.1394	0.1394	NUM
gujaf-67	234	9	-0.3542	-0.3542	NOUN
gujaf-67	234	10	1.0000	1.0000	NUM
gujaf-67	234	11	source	source	NOUN
gujaf-67	234	12	:	:	PUNCT
gujaf-67	234	13	authors	author	NOUN
gujaf-67	234	14	’	’	PART
gujaf-67	234	15	extraction	extraction	NOUN
gujaf-67	234	16	from	from	ADP
gujaf-67	234	17	output	output	NOUN
gujaf-67	234	18	generated	generate	VERB
gujaf-67	234	19	by	by	ADP
gujaf-67	234	20	stata	stata	NOUN
gujaf-67	234	21	from	from	ADP
gujaf-67	234	22	the	the	DET
gujaf-67	234	23	correlation	correlation	NOUN
gujaf-67	234	24	coefficients	coefficient	NOUN
gujaf-67	234	25	contained	contain	VERB
gujaf-67	234	26	in	in	ADP
gujaf-67	234	27	table	table	NOUN
gujaf-67	234	28	2	2	NUM
gujaf-67	234	29	,	,	PUNCT
gujaf-67	234	30	the	the	DET
gujaf-67	234	31	correlation	correlation	NOUN
gujaf-67	234	32	between	between	ADP
gujaf-67	234	33	efcy	efcy	NOUN
gujaf-67	234	34	on	on	ADP
gujaf-67	234	35	one	one	NUM
gujaf-67	234	36	hand	hand	NOUN
gujaf-67	234	37	and	and	CCONJ
gujaf-67	234	38	each	each	PRON
gujaf-67	234	39	of	of	ADP
gujaf-67	234	40	caad	caad	PROPN
gujaf-67	234	41	,	,	PUNCT
gujaf-67	234	42	astq	astq	NOUN
gujaf-67	234	43	and	and	CCONJ
gujaf-67	234	44	size	size	NOUN
gujaf-67	234	45	is	be	AUX
gujaf-67	234	46	positive	positive	ADJ
gujaf-67	234	47	based	base	VERB
gujaf-67	234	48	on	on	ADP
gujaf-67	234	49	the	the	DET
gujaf-67	234	50	correlation	correlation	NOUN
gujaf-67	234	51	values	value	NOUN
gujaf-67	234	52	of	of	ADP
gujaf-67	234	53	0.1048	0.1048	NUM
gujaf-67	234	54	,	,	PUNCT
gujaf-67	234	55	0.1028	0.1028	NUM
gujaf-67	234	56	and	and	CCONJ
gujaf-67	234	57	0.6387	0.6387	NUM
gujaf-67	234	58	respectively	respectively	ADV
gujaf-67	234	59	.	.	PUNCT
gujaf-67	235	1	this	this	PRON
gujaf-67	235	2	implies	imply	VERB
gujaf-67	235	3	that	that	SCONJ
gujaf-67	235	4	the	the	DET
gujaf-67	235	5	variables	variable	NOUN
gujaf-67	235	6	are	be	AUX
gujaf-67	235	7	positively	positively	ADV
gujaf-67	235	8	correlated	correlate	VERB
gujaf-67	235	9	with	with	ADP
gujaf-67	235	10	efficiency	efficiency	NOUN
gujaf-67	235	11	of	of	ADP
gujaf-67	235	12	dmbs	dmb	NOUN
gujaf-67	235	13	in	in	ADP
gujaf-67	235	14	nigeria	nigeria	PROPN
gujaf-67	235	15	within	within	ADP
gujaf-67	235	16	the	the	DET
gujaf-67	235	17	period	period	NOUN
gujaf-67	235	18	of	of	ADP
gujaf-67	235	19	this	this	DET
gujaf-67	235	20	study	study	NOUN
gujaf-67	235	21	and	and	CCONJ
gujaf-67	235	22	that	that	SCONJ
gujaf-67	235	23	an	an	DET
gujaf-67	235	24	increase	increase	NOUN
gujaf-67	235	25	in	in	ADP
gujaf-67	235	26	caad	caad	NOUN
gujaf-67	235	27	,	,	PUNCT
gujaf-67	235	28	astq	astq	NOUN
gujaf-67	235	29	and	and	CCONJ
gujaf-67	235	30	size	size	NOUN
gujaf-67	235	31	will	will	AUX
gujaf-67	235	32	potentially	potentially	ADV
gujaf-67	235	33	lead	lead	VERB
gujaf-67	235	34	to	to	ADP
gujaf-67	235	35	a	a	DET
gujaf-67	235	36	corresponding	corresponding	ADJ
gujaf-67	235	37	increase	increase	NOUN
gujaf-67	235	38	in	in	ADP
gujaf-67	235	39	efcy	efcy	NOUN
gujaf-67	235	40	.	.	PUNCT
gujaf-67	236	1	on	on	ADP
gujaf-67	236	2	other	other	ADJ
gujaf-67	236	3	hand	hand	NOUN
gujaf-67	236	4	,	,	PUNCT
gujaf-67	236	5	roas	roas	NOUN
gujaf-67	236	6	,	,	PUNCT
gujaf-67	236	7	lqdt	lqdt	NOUN
gujaf-67	236	8	and	and	CCONJ
gujaf-67	236	9	smkr	smkr	NOUN
gujaf-67	236	10	have	have	VERB
gujaf-67	236	11	negative	negative	ADJ
gujaf-67	236	12	relationship	relationship	NOUN
gujaf-67	236	13	with	with	ADP
gujaf-67	236	14	efcy	efcy	PROPN
gujaf-67	236	15	.	.	PUNCT
gujaf-67	237	1	the	the	DET
gujaf-67	237	2	coefficient	coefficient	NOUN
gujaf-67	237	3	values	value	NOUN
gujaf-67	237	4	stand	stand	VERB
gujaf-67	237	5	respectively	respectively	ADV
gujaf-67	237	6	at	at	ADP
gujaf-67	237	7	-0.0938	-0.0938	NOUN
gujaf-67	237	8	,	,	PUNCT
gujaf-67	237	9	-0.1674	-0.1674	NOUN
gujaf-67	237	10	and	and	CCONJ
gujaf-67	237	11	-0.0685	-0.0685	PROPN
gujaf-67	237	12	,	,	PUNCT
gujaf-67	237	13	which	which	PRON
gujaf-67	237	14	imply	imply	VERB
gujaf-67	237	15	that	that	SCONJ
gujaf-67	237	16	an	an	DET
gujaf-67	237	17	increase	increase	NOUN
gujaf-67	237	18	in	in	ADP
gujaf-67	237	19	roas	roas	NOUN
gujaf-67	237	20	,	,	PUNCT
gujaf-67	237	21	lqdt	lqdt	NOUN
gujaf-67	237	22	and	and	CCONJ
gujaf-67	237	23	smkr	smkr	NOUN
gujaf-67	237	24	will	will	AUX
gujaf-67	237	25	potentially	potentially	ADV
gujaf-67	237	26	lead	lead	VERB
gujaf-67	237	27	to	to	ADP
gujaf-67	237	28	a	a	DET
gujaf-67	237	29	corresponding	corresponding	ADJ
gujaf-67	237	30	decrease	decrease	NOUN
gujaf-67	237	31	in	in	ADP
gujaf-67	237	32	efcy	efcy	PROPN
gujaf-67	237	33	.	.	PUNCT
gujaf-67	238	1	the	the	DET
gujaf-67	238	2	table	table	NOUN
gujaf-67	238	3	also	also	ADV
gujaf-67	238	4	reports	report	VERB
gujaf-67	238	5	a	a	DET
gujaf-67	238	6	weak	weak	ADJ
gujaf-67	238	7	form	form	NOUN
gujaf-67	238	8	of	of	ADP
gujaf-67	238	9	correlations	correlation	NOUN
gujaf-67	238	10	amongst	amongst	ADP
gujaf-67	238	11	all	all	DET
gujaf-67	238	12	the	the	DET
gujaf-67	238	13	explanatory	explanatory	ADJ
gujaf-67	238	14	variables	variable	NOUN
gujaf-67	238	15	.	.	PUNCT
gujaf-67	239	1	generally	generally	ADV
gujaf-67	239	2	,	,	PUNCT
gujaf-67	239	3	correlation	correlation	NOUN
gujaf-67	239	4	coefficient	coefficient	NOUN
gujaf-67	239	5	of	of	ADP
gujaf-67	239	6	less	less	ADJ
gujaf-67	239	7	than	than	ADP
gujaf-67	239	8	0.7	0.7	NUM
gujaf-67	239	9	amongst	amongst	ADP
gujaf-67	239	10	explanatory	explanatory	ADJ
gujaf-67	239	11	variables	variable	NOUN
gujaf-67	239	12	is	be	AUX
gujaf-67	239	13	considered	consider	VERB
gujaf-67	239	14	as	as	ADP
gujaf-67	239	15	moderate	moderate	ADJ
gujaf-67	239	16	correlation	correlation	NOUN
gujaf-67	239	17	,	,	PUNCT
gujaf-67	239	18	which	which	PRON
gujaf-67	239	19	is	be	AUX
gujaf-67	239	20	of	of	ADP
gujaf-67	239	21	harmless	harmless	ADJ
gujaf-67	239	22	effect	effect	NOUN
gujaf-67	239	23	(	(	PUNCT
gujaf-67	239	24	greene	greene	PROPN
gujaf-67	239	25	,	,	PUNCT
gujaf-67	239	26	2012	2012	NUM
gujaf-67	239	27	)	)	PUNCT
gujaf-67	239	28	though	though	SCONJ
gujaf-67	239	29	for	for	ADP
gujaf-67	239	30	the	the	DET
gujaf-67	239	31	purpose	purpose	NOUN
gujaf-67	239	32	of	of	ADP
gujaf-67	239	33	estimation	estimation	NOUN
gujaf-67	239	34	,	,	PUNCT
gujaf-67	239	35	weak	weak	ADJ
gujaf-67	239	36	relationship	relationship	NOUN
gujaf-67	239	37	amongst	amongst	ADP
gujaf-67	239	38	explanatory	explanatory	ADJ
gujaf-67	239	39	variables	variable	NOUN
gujaf-67	239	40	is	be	AUX
gujaf-67	239	41	preferred	prefer	VERB
gujaf-67	239	42	to	to	ADP
gujaf-67	239	43	strong	strong	ADJ
gujaf-67	239	44	relationship	relationship	NOUN
gujaf-67	239	45	because	because	SCONJ
gujaf-67	239	46	it	it	PRON
gujaf-67	239	47	points	point	VERB
gujaf-67	239	48	to	to	ADP
gujaf-67	239	49	possible	possible	ADJ
gujaf-67	239	50	absence	absence	NOUN
gujaf-67	239	51	of	of	ADP
gujaf-67	239	52	collinearity	collinearity	NOUN
gujaf-67	239	53	.	.	PUNCT
gujaf-67	240	1	on	on	ADP
gujaf-67	240	2	the	the	DET
gujaf-67	240	3	contrary	contrary	ADJ
gujaf-67	240	4	,	,	PUNCT
gujaf-67	240	5	strong	strong	ADJ
gujaf-67	240	6	correlation	correlation	NOUN
gujaf-67	240	7	is	be	AUX
gujaf-67	240	8	expected	expect	VERB
gujaf-67	240	9	between	between	ADP
gujaf-67	240	10	the	the	DET
gujaf-67	240	11	outcome	outcome	NOUN
gujaf-67	240	12	variable	variable	NOUN
gujaf-67	240	13	and	and	CCONJ
gujaf-67	240	14	each	each	PRON
gujaf-67	240	15	of	of	ADP
gujaf-67	240	16	the	the	DET
gujaf-67	240	17	explanatory	explanatory	ADJ
gujaf-67	240	18	variables	variable	NOUN
gujaf-67	240	19	because	because	SCONJ
gujaf-67	240	20	it	it	PRON
gujaf-67	240	21	serves	serve	VERB
gujaf-67	240	22	as	as	ADP
gujaf-67	240	23	a	a	DET
gujaf-67	240	24	pointer	pointer	NOUN
gujaf-67	240	25	to	to	ADP
gujaf-67	240	26	the	the	DET
gujaf-67	240	27	explanatory	explanatory	ADJ
gujaf-67	240	28	power	power	NOUN
gujaf-67	240	29	of	of	ADP
gujaf-67	240	30	the	the	DET
gujaf-67	240	31	variables	variable	NOUN
gujaf-67	240	32	.	.	PUNCT
gujaf-67	241	1	the	the	DET
gujaf-67	241	2	dataset	dataset	NOUN
gujaf-67	241	3	was	be	AUX
gujaf-67	241	4	subjected	subject	VERB
gujaf-67	241	5	to	to	ADP
gujaf-67	241	6	several	several	ADJ
gujaf-67	241	7	relevant	relevant	ADJ
gujaf-67	241	8	diagnostic	diagnostic	ADJ
gujaf-67	241	9	and	and	CCONJ
gujaf-67	241	10	robustness	robustness	NOUN
gujaf-67	241	11	tests	test	NOUN
gujaf-67	241	12	such	such	ADJ
gujaf-67	241	13	as	as	ADP
gujaf-67	241	14	the	the	DET
gujaf-67	241	15	breushpagan	breushpagan	PROPN
gujaf-67	241	16	/	/	SYM
gujaf-67	241	17	cook	cook	PROPN
gujaf-67	241	18	-	-	PUNCT
gujaf-67	241	19	weigberg	weigberg	PROPN
gujaf-67	241	20	test	test	NOUN
gujaf-67	241	21	for	for	ADP
gujaf-67	241	22	heteroskedasticity	heteroskedasticity	NOUN
gujaf-67	241	23	,	,	PUNCT
gujaf-67	241	24	variance	variance	NOUN
gujaf-67	241	25	inflation	inflation	NOUN
gujaf-67	241	26	factor	factor	NOUN
gujaf-67	241	27	(	(	PUNCT
gujaf-67	241	28	vif	vif	NOUN
gujaf-67	241	29	)	)	PUNCT
gujaf-67	241	30	test	test	NOUN
gujaf-67	241	31	and	and	CCONJ
gujaf-67	241	32	its	its	PRON
gujaf-67	241	33	corresponding	correspond	VERB
gujaf-67	241	34	tolerance	tolerance	NOUN
gujaf-67	241	35	values	value	NOUN
gujaf-67	241	36	(	(	PUNCT
gujaf-67	241	37	1	1	NUM
gujaf-67	241	38	/	/	SYM
gujaf-67	241	39	vif	vif	NOUN
gujaf-67	241	40	)	)	PUNCT
gujaf-67	241	41	test	test	NOUN
gujaf-67	241	42	for	for	ADP
gujaf-67	241	43	checking	check	VERB
gujaf-67	241	44	multicollinearity	multicollinearity	NOUN
gujaf-67	241	45	,	,	PUNCT
gujaf-67	241	46	and	and	CCONJ
gujaf-67	241	47	hausman	hausman	PROPN
gujaf-67	241	48	specification	specification	NOUN
gujaf-67	241	49	test	test	NOUN
gujaf-67	241	50	.	.	PUNCT
gujaf-67	242	1	the	the	DET
gujaf-67	242	2	full	full	ADJ
gujaf-67	242	3	results	result	NOUN
gujaf-67	242	4	of	of	ADP
gujaf-67	242	5	all	all	DET
gujaf-67	242	6	the	the	DET
gujaf-67	242	7	tests	test	NOUN
gujaf-67	242	8	are	be	AUX
gujaf-67	242	9	attached	attach	VERB
gujaf-67	242	10	as	as	ADP
gujaf-67	242	11	appendix	appendix	NOUN
gujaf-67	242	12	.	.	PUNCT
gujaf-67	243	1	the	the	DET
gujaf-67	243	2	result	result	NOUN
gujaf-67	243	3	of	of	ADP
gujaf-67	243	4	the	the	DET
gujaf-67	243	5	hausman	hausman	PROPN
gujaf-67	243	6	specification	specification	NOUN
gujaf-67	243	7	test	test	NOUN
gujaf-67	243	8	for	for	ADP
gujaf-67	243	9	choosing	choose	VERB
gujaf-67	243	10	between	between	ADP
gujaf-67	243	11	fixed	fix	VERB
gujaf-67	243	12	(	(	PUNCT
gujaf-67	243	13	fe	fe	NOUN
gujaf-67	243	14	)	)	PUNCT
gujaf-67	243	15	effect	effect	NOUN
gujaf-67	243	16	and	and	CCONJ
gujaf-67	243	17	random	random	ADJ
gujaf-67	243	18	effect	effect	NOUN
gujaf-67	243	19	(	(	PUNCT
gujaf-67	243	20	re	re	NOUN
gujaf-67	243	21	)	)	PUNCT
gujaf-67	243	22	models	model	NOUN
gujaf-67	243	23	reveals	reveal	VERB
gujaf-67	243	24	a	a	DET
gujaf-67	243	25	probability	probability	NOUN
gujaf-67	243	26	of	of	ADP
gujaf-67	243	27	the	the	DET
gujaf-67	243	28	chi	chi	ADJ
gujaf-67	243	29	2	2	NUM
gujaf-67	243	30	value	value	NOUN
gujaf-67	243	31	that	that	PRON
gujaf-67	243	32	is	be	AUX
gujaf-67	243	33	statistically	statistically	ADV
gujaf-67	243	34	significant	significant	ADJ
gujaf-67	243	35	,	,	PUNCT
gujaf-67	243	36	thus	thus	ADV
gujaf-67	243	37	favouring	favour	VERB
gujaf-67	243	38	the	the	DET
gujaf-67	243	39	fe	fe	PROPN
gujaf-67	243	40	model	model	NOUN
gujaf-67	243	41	.	.	PUNCT
gujaf-67	244	1	the	the	DET
gujaf-67	244	2	modified	modify	VERB
gujaf-67	244	3	wald	wald	PROPN
gujaf-67	244	4	test	test	NOUN
gujaf-67	244	5	for	for	ADP
gujaf-67	244	6	groupwise	groupwise	NOUN
gujaf-67	244	7	heteroskedasticity	heteroskedasticity	NOUN
gujaf-67	244	8	in	in	ADP
gujaf-67	244	9	fe	fe	PROPN
gujaf-67	244	10	regression	regression	NOUN
gujaf-67	244	11	model	model	NOUN
gujaf-67	244	12	was	be	AUX
gujaf-67	244	13	then	then	ADV
gujaf-67	244	14	carried	carry	VERB
gujaf-67	244	15	out	out	ADP
gujaf-67	244	16	.	.	PUNCT
gujaf-67	245	1	the	the	DET
gujaf-67	245	2	result	result	NOUN
gujaf-67	245	3	shows	show	VERB
gujaf-67	245	4	a	a	DET
gujaf-67	245	5	chi	chi	ADJ
gujaf-67	245	6	2	2	NUM
gujaf-67	245	7	probability	probability	NOUN
gujaf-67	245	8	value	value	NOUN
gujaf-67	245	9	that	that	PRON
gujaf-67	245	10	is	be	AUX
gujaf-67	245	11	statistically	statistically	ADV
gujaf-67	245	12	significant	significant	ADJ
gujaf-67	245	13	.	.	PUNCT
gujaf-67	246	1	in	in	ADP
gujaf-67	246	2	view	view	NOUN
gujaf-67	246	3	gusau	gusau	PROPN
gujaf-67	246	4	journal	journal	NOUN
gujaf-67	246	5	of	of	ADP
gujaf-67	246	6	accounting	accounting	NOUN
gujaf-67	246	7	and	and	CCONJ
gujaf-67	246	8	finance	finance	NOUN
gujaf-67	246	9	,	,	PUNCT
gujaf-67	246	10	vol	vol	NOUN
gujaf-67	246	11	.	.	PROPN
gujaf-67	246	12	2	2	NUM
gujaf-67	246	13	,	,	PUNCT
gujaf-67	246	14	issue	issue	NOUN
gujaf-67	246	15	2	2	NUM
gujaf-67	246	16	,	,	PUNCT
gujaf-67	246	17	april	april	PROPN
gujaf-67	246	18	,	,	PUNCT
gujaf-67	246	19	2021	2021	NUM
gujaf-67	246	20	12	12	NUM
gujaf-67	246	21	of	of	ADP
gujaf-67	246	22	that	that	PRON
gujaf-67	246	23	,	,	PUNCT
gujaf-67	246	24	the	the	DET
gujaf-67	246	25	fe	fe	PROPN
gujaf-67	246	26	regression	regression	NOUN
gujaf-67	246	27	model	model	NOUN
gujaf-67	246	28	was	be	AUX
gujaf-67	246	29	re	re	VERB
gujaf-67	246	30	-	-	VERB
gujaf-67	246	31	run	run	ADJ
gujaf-67	246	32	using	use	VERB
gujaf-67	246	33	robust	robust	ADJ
gujaf-67	246	34	option	option	NOUN
gujaf-67	246	35	.	.	PUNCT
gujaf-67	247	1	the	the	DET
gujaf-67	247	2	robust	robust	ADJ
gujaf-67	247	3	fe	fe	NOUN
gujaf-67	247	4	result	result	NOUN
gujaf-67	247	5	is	be	AUX
gujaf-67	247	6	used	use	VERB
gujaf-67	247	7	for	for	ADP
gujaf-67	247	8	analysis	analysis	NOUN
gujaf-67	247	9	and	and	CCONJ
gujaf-67	247	10	test	test	NOUN
gujaf-67	247	11	of	of	ADP
gujaf-67	247	12	hypotheses	hypothesis	NOUN
gujaf-67	247	13	.	.	PUNCT
gujaf-67	248	1	table	table	NOUN
gujaf-67	248	2	3	3	NUM
gujaf-67	248	3	contains	contain	VERB
gujaf-67	248	4	the	the	DET
gujaf-67	248	5	summary	summary	NOUN
gujaf-67	248	6	of	of	ADP
gujaf-67	248	7	the	the	DET
gujaf-67	248	8	fe	fe	PROPN
gujaf-67	248	9	,	,	PUNCT
gujaf-67	248	10	re	re	ADP
gujaf-67	248	11	and	and	CCONJ
gujaf-67	248	12	robust	robust	ADJ
gujaf-67	248	13	fe	fe	NOUN
gujaf-67	248	14	regression	regression	NOUN
gujaf-67	248	15	results	result	NOUN
gujaf-67	248	16	obtained	obtain	VERB
gujaf-67	248	17	from	from	ADP
gujaf-67	248	18	the	the	DET
gujaf-67	248	19	stata	stata	NOUN
gujaf-67	248	20	output	output	NOUN
gujaf-67	248	21	.	.	PUNCT
gujaf-67	249	1	the	the	DET
gujaf-67	249	2	aspects	aspect	NOUN
gujaf-67	249	3	of	of	ADP
gujaf-67	249	4	the	the	DET
gujaf-67	249	5	robust	robust	ADJ
gujaf-67	249	6	fe	fe	NOUN
gujaf-67	249	7	result	result	NOUN
gujaf-67	249	8	are	be	AUX
gujaf-67	249	9	used	use	VERB
gujaf-67	249	10	for	for	ADP
gujaf-67	249	11	analysis	analysis	NOUN
gujaf-67	249	12	and	and	CCONJ
gujaf-67	249	13	hypotheses	hypothesis	NOUN
gujaf-67	249	14	testing	testing	NOUN
gujaf-67	249	15	.	.	PUNCT
gujaf-67	250	1	table	table	NOUN
gujaf-67	250	2	3	3	NUM
gujaf-67	250	3	:	:	PUNCT
gujaf-67	250	4	summary	summary	NOUN
gujaf-67	250	5	of	of	ADP
gujaf-67	250	6	fixed	fix	VERB
gujaf-67	250	7	effect	effect	NOUN
gujaf-67	250	8	,	,	PUNCT
gujaf-67	250	9	random	random	ADJ
gujaf-67	250	10	effect	effect	NOUN
gujaf-67	250	11	and	and	CCONJ
gujaf-67	250	12	robust	robust	ADJ
gujaf-67	250	13	fixed	fix	VERB
gujaf-67	250	14	effect	effect	NOUN
gujaf-67	250	15	results	result	NOUN
gujaf-67	250	16	fixed	fix	VERB
gujaf-67	250	17	effect	effect	NOUN
gujaf-67	250	18	model	model	VERB
gujaf-67	250	19	random	random	ADJ
gujaf-67	250	20	effect	effect	NOUN
gujaf-67	250	21	model	model	NOUN
gujaf-67	250	22	robust	robust	ADJ
gujaf-67	250	23	fixed	fix	VERB
gujaf-67	250	24	effect	effect	NOUN
gujaf-67	250	25	model	model	PROPN
gujaf-67	250	26	variable	variable	PROPN
gujaf-67	250	27	coef	coef	PROPN
gujaf-67	250	28	.	.	PUNCT
gujaf-67	251	1	t	t	PROPN
gujaf-67	251	2	p>|t|	p>|t|	PROPN
gujaf-67	251	3	coef	coef	PROPN
gujaf-67	251	4	.	.	PUNCT
gujaf-67	252	1	z	z	PROPN
gujaf-67	252	2	p>|z|	p>|z|	VERB
gujaf-67	252	3	coef	coef	PROPN
gujaf-67	252	4	.	.	PUNCT
gujaf-67	253	1	t	t	PROPN
gujaf-67	253	2	p>|t|	p>|t|	PROPN
gujaf-67	253	3	caad	caad	PROPN
gujaf-67	253	4	-0.116	-0.116	PUNCT
gujaf-67	253	5	-4.480	-4.480	PROPN
gujaf-67	253	6	0.000	0.000	NUM
gujaf-67	253	7	-0.163	-0.163	NOUN
gujaf-67	253	8	-6.120	-6.120	NOUN
gujaf-67	253	9	0.000	0.000	NUM
gujaf-67	253	10	-0.116	-0.116	PRON
gujaf-67	254	1	-3.530	-3.530	NUM
gujaf-67	254	2	0.004	0.004	NUM
gujaf-67	254	3	astq	astq	NOUN
gujaf-67	254	4	0.049	0.049	NUM
gujaf-67	254	5	1.130	1.130	NUM
gujaf-67	254	6	0.260	0.260	NUM
gujaf-67	254	7	0.063	0.063	NUM
gujaf-67	254	8	1.610	1.610	NUM
gujaf-67	254	9	0.107	0.107	NUM
gujaf-67	254	10	0.049	0.049	NUM
gujaf-67	254	11	1.200	1.200	NUM
gujaf-67	254	12	0.252	0.252	NUM
gujaf-67	254	13	roas	roas	NOUN
gujaf-67	254	14	-0.035	-0.035	NOUN
gujaf-67	254	15	-4.220	-4.220	PUNCT
gujaf-67	254	16	0.000	0.000	NUM
gujaf-67	254	17	-0.023	-0.023	NUM
gujaf-67	254	18	-2.550	-2.550	PROPN
gujaf-67	254	19	0.011	0.011	NUM
gujaf-67	254	20	-0.035	-0.035	NOUN
gujaf-67	254	21	-3.700	-3.700	NUM
gujaf-67	254	22	0.003	0.003	NUM
gujaf-67	254	23	lqdt	lqdt	NOUN
gujaf-67	254	24	-0.113	-0.113	NOUN
gujaf-67	254	25	-7.620	-7.620	PROPN
gujaf-67	255	1	0.000	0.000	NUM
gujaf-67	255	2	-0.117	-0.117	CCONJ
gujaf-67	255	3	-7.380	-7.380	PROPN
gujaf-67	255	4	0.000	0.000	NUM
gujaf-67	255	5	-0.113	-0.113	NOUN
gujaf-67	255	6	-5.580	-5.580	NOUN
gujaf-67	255	7	0.000	0.000	NUM
gujaf-67	255	8	smkr	smkr	VERB
gujaf-67	255	9	0.077	0.077	NUM
gujaf-67	255	10	3.220	3.220	NUM
gujaf-67	255	11	0.002	0.002	NUM
gujaf-67	255	12	0.087	0.087	NUM
gujaf-67	255	13	3.510	3.510	NUM
gujaf-67	255	14	0.000	0.000	NUM
gujaf-67	255	15	0.077	0.077	NUM
gujaf-67	255	16	2.890	2.890	NUM
gujaf-67	255	17	0.013	0.013	NUM
gujaf-67	255	18	size	size	NOUN
gujaf-67	255	19	0.078	0.078	NUM
gujaf-67	255	20	11.22	11.22	NUM
gujaf-67	255	21	0.000	0.000	NUM
gujaf-67	255	22	0.085	0.085	NUM
gujaf-67	255	23	14.60	14.60	NUM
gujaf-67	255	24	0.000	0.000	NUM
gujaf-67	255	25	0.078	0.078	NUM
gujaf-67	255	26	6.730	6.730	NUM
gujaf-67	255	27	0.000	0.000	NUM
gujaf-67	256	1	_	_	PRON
gujaf-67	256	2	cons	con	NOUN
gujaf-67	256	3	-0.272	-0.272	PUNCT
gujaf-67	256	4	-6.710	-6.710	NUM
gujaf-67	256	5	0.000	0.000	NUM
gujaf-67	256	6	-0.307	-0.307	NUM
gujaf-67	256	7	-8.750	-8.750	PUNCT
gujaf-67	256	8	0.000	0.000	NUM
gujaf-67	256	9	-0.272	-0.272	NOUN
gujaf-67	256	10	-3.800	-3.800	PROPN
gujaf-67	256	11	0.002	0.002	NUM
gujaf-67	256	12	f.	f.	PROPN
gujaf-67	256	13	stat	stat	PROPN
gujaf-67	256	14	.	.	PUNCT
gujaf-67	257	1	34.13	34.13	NUM
gujaf-67	257	2	wald	wald	NOUN
gujaf-67	257	3	232.3	232.3	NUM
gujaf-67	257	4	f.	f.	PROPN
gujaf-67	257	5	stat	stat	PROPN
gujaf-67	257	6	.	.	PUNCT
gujaf-67	258	1	29.8	29.8	NUM
gujaf-67	258	2	prob	prob	NOUN
gujaf-67	258	3	>	>	X
gujaf-67	258	4	f	f	PROPN
gujaf-67	258	5	0.000	0.000	NUM
gujaf-67	258	6	prob	prob	NOUN
gujaf-67	258	7	.	.	PUNCT
gujaf-67	259	1	0.000	0.000	NUM
gujaf-67	259	2	prob	prob	PROPN
gujaf-67	259	3	>	>	X
gujaf-67	259	4	f	f	PROPN
gujaf-67	260	1	0.000	0.000	NUM
gujaf-67	260	2	r	r	NOUN
gujaf-67	260	3	2	2	NUM
gujaf-67	260	4	within	within	ADP
gujaf-67	260	5	0.65	0.65	NUM
gujaf-67	260	6	r	r	NOUN
gujaf-67	260	7	2	2	NUM
gujaf-67	260	8	within	within	ADP
gujaf-67	260	9	0.64	0.64	NUM
gujaf-67	260	10	r	r	NOUN
gujaf-67	260	11	2	2	NUM
gujaf-67	260	12	within	within	ADP
gujaf-67	260	13	0.65	0.65	NUM
gujaf-67	260	14	between	between	ADP
gujaf-67	260	15	0.62	0.62	NUM
gujaf-67	260	16	between	between	ADP
gujaf-67	260	17	0.69	0.69	NUM
gujaf-67	260	18	between	between	ADP
gujaf-67	260	19	0.62	0.62	NUM
gujaf-67	260	20	overall	overall	ADJ
gujaf-67	260	21	0.64	0.64	NUM
gujaf-67	260	22	overall	overall	NOUN
gujaf-67	260	23	0.66	0.66	NUM
gujaf-67	260	24	overall	overall	ADJ
gujaf-67	260	25	0.64	0.64	NUM
gujaf-67	260	26	hettest	hett	ADJ
gujaf-67	260	27	chi	chi	NOUN
gujaf-67	260	28	2	2	NUM
gujaf-67	260	29	7.34	7.34	NUM
gujaf-67	260	30	hausman	hausman	NOUN
gujaf-67	260	31	chi	chi	NOUN
gujaf-67	260	32	2	2	NUM
gujaf-67	260	33	39.76	39.76	NUM
gujaf-67	260	34	modified	modify	VERB
gujaf-67	260	35	wald	wald	NOUN
gujaf-67	260	36	chi	chi	NOUN
gujaf-67	260	37	2	2	NUM
gujaf-67	260	38	10436	10436	NUM
gujaf-67	260	39	prob	prob	NOUN
gujaf-67	260	40	.	.	PUNCT
gujaf-67	261	1	0.000	0.000	NUM
gujaf-67	261	2	prob	prob	NOUN
gujaf-67	261	3	.	.	PUNCT
gujaf-67	262	1	0.000	0.000	NUM
gujaf-67	262	2	prob	prob	NOUN
gujaf-67	262	3	.	.	PUNCT
gujaf-67	263	1	0.000	0.000	NUM
gujaf-67	263	2	source	source	NOUN
gujaf-67	263	3	:	:	PUNCT
gujaf-67	263	4	authors	author	NOUN
gujaf-67	263	5	’	’	PART
gujaf-67	263	6	extraction	extraction	NOUN
gujaf-67	263	7	from	from	ADP
gujaf-67	263	8	stata	stata	NOUN
gujaf-67	263	9	output	output	NOUN
gujaf-67	263	10	from	from	ADP
gujaf-67	263	11	table	table	NOUN
gujaf-67	263	12	3	3	NUM
gujaf-67	263	13	,	,	PUNCT
gujaf-67	263	14	the	the	DET
gujaf-67	263	15	f	f	PROPN
gujaf-67	263	16	-	-	PUNCT
gujaf-67	263	17	statistics	statistic	NOUN
gujaf-67	263	18	,	,	PUNCT
gujaf-67	263	19	which	which	PRON
gujaf-67	263	20	indicates	indicate	VERB
gujaf-67	263	21	whether	whether	SCONJ
gujaf-67	263	22	the	the	DET
gujaf-67	263	23	model	model	NOUN
gujaf-67	263	24	is	be	AUX
gujaf-67	263	25	fitted	fit	VERB
gujaf-67	263	26	or	or	CCONJ
gujaf-67	263	27	not	not	PART
gujaf-67	263	28	,	,	PUNCT
gujaf-67	263	29	is	be	AUX
gujaf-67	263	30	29.8	29.8	NUM
gujaf-67	263	31	while	while	SCONJ
gujaf-67	263	32	the	the	DET
gujaf-67	263	33	p	p	NOUN
gujaf-67	263	34	-	-	PUNCT
gujaf-67	263	35	value	value	NOUN
gujaf-67	263	36	is	be	AUX
gujaf-67	263	37	0.000	0.000	NUM
gujaf-67	263	38	,	,	PUNCT
gujaf-67	263	39	which	which	PRON
gujaf-67	263	40	is	be	AUX
gujaf-67	263	41	statistically	statistically	ADV
gujaf-67	263	42	significant	significant	ADJ
gujaf-67	263	43	at	at	ADP
gujaf-67	263	44	1	1	NUM
gujaf-67	263	45	%	%	NOUN
gujaf-67	263	46	level	level	NOUN
gujaf-67	263	47	of	of	ADP
gujaf-67	263	48	significance	significance	NOUN
gujaf-67	263	49	.	.	PUNCT
gujaf-67	264	1	this	this	PRON
gujaf-67	264	2	shows	show	VERB
gujaf-67	264	3	that	that	SCONJ
gujaf-67	264	4	overall	overall	ADV
gujaf-67	264	5	;	;	PUNCT
gujaf-67	264	6	the	the	DET
gujaf-67	264	7	robust	robust	ADJ
gujaf-67	264	8	fe	fe	NOUN
gujaf-67	264	9	model	model	NOUN
gujaf-67	264	10	is	be	AUX
gujaf-67	264	11	fitted	fit	VERB
gujaf-67	264	12	.	.	PUNCT
gujaf-67	265	1	the	the	DET
gujaf-67	265	2	predicting	predict	VERB
gujaf-67	265	3	power	power	NOUN
gujaf-67	265	4	of	of	ADP
gujaf-67	265	5	the	the	DET
gujaf-67	265	6	model	model	NOUN
gujaf-67	265	7	is	be	AUX
gujaf-67	265	8	65	65	NUM
gujaf-67	265	9	%	%	NOUN
gujaf-67	265	10	based	base	VERB
gujaf-67	265	11	on	on	ADP
gujaf-67	265	12	the	the	DET
gujaf-67	265	13	r	r	NOUN
gujaf-67	265	14	2	2	NUM
gujaf-67	265	15	value	value	NOUN
gujaf-67	265	16	within	within	ADP
gujaf-67	265	17	and	and	CCONJ
gujaf-67	265	18	r	r	NOUN
gujaf-67	265	19	2	2	NUM
gujaf-67	265	20	values	value	NOUN
gujaf-67	265	21	of	of	ADP
gujaf-67	265	22	0.62	0.62	NUM
gujaf-67	265	23	and	and	CCONJ
gujaf-67	265	24	0.64	0.64	NUM
gujaf-67	265	25	for	for	ADP
gujaf-67	265	26	between	between	ADP
gujaf-67	265	27	and	and	CCONJ
gujaf-67	265	28	overall	overall	ADV
gujaf-67	265	29	respectively	respectively	ADV
gujaf-67	265	30	.	.	PUNCT
gujaf-67	266	1	this	this	PRON
gujaf-67	266	2	means	mean	VERB
gujaf-67	266	3	that	that	SCONJ
gujaf-67	266	4	the	the	DET
gujaf-67	266	5	combined	combined	ADJ
gujaf-67	266	6	effect	effect	NOUN
gujaf-67	266	7	of	of	ADP
gujaf-67	266	8	the	the	DET
gujaf-67	266	9	explanatory	explanatory	ADJ
gujaf-67	266	10	variables	variable	NOUN
gujaf-67	266	11	explained	explain	VERB
gujaf-67	266	12	changes	change	NOUN
gujaf-67	266	13	in	in	ADP
gujaf-67	266	14	the	the	DET
gujaf-67	266	15	dependent	dependent	ADJ
gujaf-67	266	16	variable	variable	NOUN
gujaf-67	266	17	by	by	ADP
gujaf-67	266	18	65	65	NUM
gujaf-67	266	19	%	%	NOUN
gujaf-67	266	20	while	while	SCONJ
gujaf-67	266	21	the	the	DET
gujaf-67	266	22	remaining	remain	VERB
gujaf-67	266	23	35	35	NUM
gujaf-67	266	24	%	%	NOUN
gujaf-67	266	25	is	be	AUX
gujaf-67	266	26	explained	explain	VERB
gujaf-67	266	27	by	by	ADP
gujaf-67	266	28	variables	variable	NOUN
gujaf-67	266	29	not	not	PART
gujaf-67	266	30	included	include	VERB
gujaf-67	266	31	in	in	ADP
gujaf-67	266	32	the	the	DET
gujaf-67	266	33	model	model	NOUN
gujaf-67	266	34	.	.	PUNCT
gujaf-67	267	1	the	the	DET
gujaf-67	267	2	table	table	NOUN
gujaf-67	267	3	further	far	ADV
gujaf-67	267	4	reveals	reveal	VERB
gujaf-67	267	5	the	the	DET
gujaf-67	267	6	coefficients	coefficient	NOUN
gujaf-67	267	7	,	,	PUNCT
gujaf-67	267	8	t	t	NOUN
gujaf-67	267	9	-	-	PUNCT
gujaf-67	267	10	values	value	NOUN
gujaf-67	267	11	and	and	CCONJ
gujaf-67	267	12	p	p	NOUN
gujaf-67	267	13	-	-	PUNCT
gujaf-67	267	14	values	value	NOUN
gujaf-67	267	15	of	of	ADP
gujaf-67	267	16	each	each	PRON
gujaf-67	267	17	of	of	ADP
gujaf-67	267	18	the	the	DET
gujaf-67	267	19	explanatory	explanatory	ADJ
gujaf-67	267	20	variables	variable	NOUN
gujaf-67	267	21	.	.	PUNCT
gujaf-67	268	1	from	from	ADP
gujaf-67	268	2	the	the	DET
gujaf-67	268	3	result	result	NOUN
gujaf-67	268	4	,	,	PUNCT
gujaf-67	268	5	capital	capital	NOUN
gujaf-67	268	6	adequacy	adequacy	NOUN
gujaf-67	268	7	(	(	PUNCT
gujaf-67	268	8	caad	caad	PROPN
gujaf-67	268	9	)	)	PUNCT
gujaf-67	268	10	has	have	VERB
gujaf-67	268	11	a	a	DET
gujaf-67	268	12	coefficient	coefficient	NOUN
gujaf-67	268	13	value	value	NOUN
gujaf-67	268	14	of	of	ADP
gujaf-67	268	15	-0.116	-0.116	PRON
gujaf-67	268	16	and	and	CCONJ
gujaf-67	268	17	tvalue	tvalue	NOUN
gujaf-67	268	18	of	of	ADP
gujaf-67	268	19	-3.530	-3.530	PROPN
gujaf-67	268	20	.	.	PUNCT
gujaf-67	269	1	the	the	DET
gujaf-67	269	2	p	p	NOUN
gujaf-67	269	3	-	-	PUNCT
gujaf-67	269	4	value	value	NOUN
gujaf-67	269	5	(	(	PUNCT
gujaf-67	269	6	0.004	0.004	NUM
gujaf-67	269	7	)	)	PUNCT
gujaf-67	269	8	shows	show	VERB
gujaf-67	269	9	that	that	SCONJ
gujaf-67	269	10	the	the	DET
gujaf-67	269	11	negative	negative	ADJ
gujaf-67	269	12	relationship	relationship	NOUN
gujaf-67	269	13	between	between	ADP
gujaf-67	269	14	caad	caad	PROPN
gujaf-67	269	15	and	and	CCONJ
gujaf-67	269	16	efcy	efcy	PROPN
gujaf-67	269	17	is	be	AUX
gujaf-67	269	18	statistically	statistically	ADV
gujaf-67	269	19	significant	significant	ADJ
gujaf-67	269	20	at	at	ADP
gujaf-67	269	21	1	1	NUM
gujaf-67	269	22	%	%	NOUN
gujaf-67	269	23	level	level	NOUN
gujaf-67	269	24	of	of	ADP
gujaf-67	269	25	significance	significance	NOUN
gujaf-67	269	26	.	.	PUNCT
gujaf-67	270	1	the	the	DET
gujaf-67	270	2	result	result	NOUN
gujaf-67	270	3	isneither	isneither	NOUN
gujaf-67	270	4	in	in	ADP
gujaf-67	270	5	line	line	NOUN
gujaf-67	270	6	with	with	ADP
gujaf-67	270	7	theory	theory	NOUN
gujaf-67	270	8	nor	nor	CCONJ
gujaf-67	270	9	in	in	ADP
gujaf-67	270	10	line	line	NOUN
gujaf-67	270	11	with	with	ADP
gujaf-67	270	12	a	a	DET
gujaf-67	270	13	priori	priori	ADJ
gujaf-67	270	14	expectation	expectation	NOUN
gujaf-67	270	15	because	because	SCONJ
gujaf-67	270	16	regulators	regulator	NOUN
gujaf-67	270	17	used	use	VERB
gujaf-67	270	18	the	the	DET
gujaf-67	270	19	ratio	ratio	NOUN
gujaf-67	270	20	of	of	ADP
gujaf-67	270	21	total	total	ADJ
gujaf-67	270	22	capital	capital	NOUN
gujaf-67	270	23	,	,	PUNCT
gujaf-67	270	24	which	which	PRON
gujaf-67	270	25	comprises	comprise	VERB
gujaf-67	270	26	both	both	DET
gujaf-67	270	27	tier	tier	NOUN
gujaf-67	270	28	1	1	NUM
gujaf-67	270	29	and	and	CCONJ
gujaf-67	270	30	tier	tier	NOUN
gujaf-67	270	31	2	2	NUM
gujaf-67	270	32	capital	capital	NOUN
gujaf-67	270	33	,	,	PUNCT
gujaf-67	270	34	to	to	ADP
gujaf-67	270	35	risk	risk	NOUN
gujaf-67	270	36	-	-	PUNCT
gujaf-67	270	37	weighted	weight	VERB
gujaf-67	270	38	assets	asset	NOUN
gujaf-67	270	39	to	to	AUX
gujaf-67	270	40	grade	grade	NOUN
gujaf-67	270	41	banks	bank	NOUN
gujaf-67	270	42	’	'	PUNCT
gujaf-67	270	43	capital	capital	NOUN
gujaf-67	270	44	adequacy	adequacy	NOUN
gujaf-67	270	45	as	as	ADP
gujaf-67	270	46	either	either	CCONJ
gujaf-67	270	47	capitalised	capitalise	VERB
gujaf-67	270	48	or	or	CCONJ
gujaf-67	270	49	under	under	ADV
gujaf-67	270	50	-	-	PUNCT
gujaf-67	270	51	capitalised	capitalise	VERB
gujaf-67	270	52	.	.	PUNCT
gujaf-67	271	1	in	in	ADP
gujaf-67	271	2	view	view	NOUN
gujaf-67	271	3	of	of	ADP
gujaf-67	271	4	that	that	PRON
gujaf-67	271	5	,	,	PUNCT
gujaf-67	271	6	a	a	DET
gujaf-67	271	7	higher	high	ADJ
gujaf-67	271	8	positive	positive	ADJ
gujaf-67	271	9	caad	caad	NOUN
gujaf-67	271	10	ratio	ratio	NOUN
gujaf-67	271	11	is	be	AUX
gujaf-67	271	12	better	well	ADJ
gujaf-67	271	13	for	for	ADP
gujaf-67	271	14	a	a	DET
gujaf-67	271	15	bank	bank	NOUN
gujaf-67	271	16	since	since	SCONJ
gujaf-67	271	17	it	it	PRON
gujaf-67	271	18	indicates	indicate	VERB
gujaf-67	271	19	that	that	SCONJ
gujaf-67	271	20	a	a	DET
gujaf-67	271	21	bank	bank	NOUN
gujaf-67	271	22	can	can	AUX
gujaf-67	271	23	absorb	absorb	VERB
gujaf-67	271	24	shocks	shock	NOUN
gujaf-67	271	25	,	,	PUNCT
gujaf-67	271	26	sustains	sustain	VERB
gujaf-67	271	27	its	its	PRON
gujaf-67	271	28	operations	operation	NOUN
gujaf-67	271	29	and	and	CCONJ
gujaf-67	271	30	even	even	ADV
gujaf-67	271	31	expand	expand	VERB
gujaf-67	271	32	its	its	PRON
gujaf-67	271	33	activities	activity	NOUN
gujaf-67	271	34	for	for	ADP
gujaf-67	271	35	higher	high	ADJ
gujaf-67	271	36	efficiency	efficiency	NOUN
gujaf-67	271	37	.	.	PUNCT
gujaf-67	272	1	where	where	SCONJ
gujaf-67	272	2	the	the	DET
gujaf-67	272	3	coefficient	coefficient	NOUN
gujaf-67	272	4	turns	turn	VERB
gujaf-67	272	5	out	out	ADP
gujaf-67	272	6	to	to	PART
gujaf-67	272	7	be	be	AUX
gujaf-67	272	8	negative	negative	ADJ
gujaf-67	272	9	,	,	PUNCT
gujaf-67	272	10	it	it	PRON
gujaf-67	272	11	means	mean	VERB
gujaf-67	272	12	the	the	DET
gujaf-67	272	13	relationship	relationship	NOUN
gujaf-67	272	14	is	be	AUX
gujaf-67	272	15	inverse	inverse	ADJ
gujaf-67	272	16	and	and	CCONJ
gujaf-67	272	17	that	that	SCONJ
gujaf-67	272	18	the	the	PRON
gujaf-67	272	19	higher	high	ADJ
gujaf-67	272	20	the	the	DET
gujaf-67	272	21	caad	caad	NOUN
gujaf-67	272	22	is	be	AUX
gujaf-67	272	23	,	,	PUNCT
gujaf-67	272	24	the	the	PRON
gujaf-67	272	25	lower	low	ADJ
gujaf-67	272	26	a	a	DET
gujaf-67	272	27	bank	bank	NOUN
gujaf-67	272	28	’s	’s	PART
gujaf-67	272	29	efficiency	efficiency	NOUN
gujaf-67	272	30	is	be	AUX
gujaf-67	272	31	.	.	PUNCT
gujaf-67	273	1	gusau	gusau	PROPN
gujaf-67	273	2	journal	journal	PROPN
gujaf-67	273	3	of	of	ADP
gujaf-67	273	4	accounting	accounting	NOUN
gujaf-67	273	5	and	and	CCONJ
gujaf-67	273	6	finance	finance	NOUN
gujaf-67	273	7	,	,	PUNCT
gujaf-67	273	8	vol	vol	NOUN
gujaf-67	273	9	.	.	PROPN
gujaf-67	273	10	2	2	NUM
gujaf-67	273	11	,	,	PUNCT
gujaf-67	273	12	issue	issue	NOUN
gujaf-67	273	13	2	2	NUM
gujaf-67	273	14	,	,	PUNCT
gujaf-67	273	15	april	april	PROPN
gujaf-67	273	16	,	,	PUNCT
gujaf-67	273	17	2021	2021	NUM
gujaf-67	273	18	13	13	NUM
gujaf-67	273	19	asset	asset	NOUN
gujaf-67	273	20	quality	quality	NOUN
gujaf-67	273	21	(	(	PUNCT
gujaf-67	273	22	astq	astq	NOUN
gujaf-67	273	23	)	)	PUNCT
gujaf-67	273	24	has	have	VERB
gujaf-67	273	25	a	a	DET
gujaf-67	273	26	positive	positive	ADJ
gujaf-67	273	27	coefficient	coefficient	NOUN
gujaf-67	273	28	of	of	ADP
gujaf-67	273	29	0.049	0.049	NUM
gujaf-67	273	30	and	and	CCONJ
gujaf-67	273	31	t	t	NOUN
gujaf-67	273	32	-	-	PUNCT
gujaf-67	273	33	value	value	NOUN
gujaf-67	273	34	of	of	ADP
gujaf-67	273	35	1.200	1.200	NUM
gujaf-67	273	36	.	.	PUNCT
gujaf-67	274	1	the	the	DET
gujaf-67	274	2	coefficient	coefficient	NOUN
gujaf-67	274	3	and	and	CCONJ
gujaf-67	274	4	t	t	NOUN
gujaf-67	274	5	-	-	PUNCT
gujaf-67	274	6	value	value	NOUN
gujaf-67	274	7	showed	show	VERB
gujaf-67	274	8	that	that	SCONJ
gujaf-67	274	9	the	the	DET
gujaf-67	274	10	relationship	relationship	NOUN
gujaf-67	274	11	between	between	ADP
gujaf-67	274	12	astq	astq	NOUN
gujaf-67	274	13	and	and	CCONJ
gujaf-67	274	14	efficiency	efficiency	NOUN
gujaf-67	274	15	is	be	AUX
gujaf-67	274	16	not	not	PART
gujaf-67	274	17	statistically	statistically	ADV
gujaf-67	274	18	significant	significant	ADJ
gujaf-67	274	19	based	base	VERB
gujaf-67	274	20	on	on	ADP
gujaf-67	274	21	the	the	DET
gujaf-67	274	22	p	p	NOUN
gujaf-67	274	23	-	-	PUNCT
gujaf-67	274	24	value	value	NOUN
gujaf-67	274	25	of	of	ADP
gujaf-67	274	26	0.252	0.252	NUM
gujaf-67	274	27	.	.	PUNCT
gujaf-67	275	1	theoretically	theoretically	ADV
gujaf-67	275	2	,	,	PUNCT
gujaf-67	275	3	the	the	DET
gujaf-67	275	4	ratio	ratio	NOUN
gujaf-67	275	5	of	of	ADP
gujaf-67	275	6	non	non	ADJ
gujaf-67	275	7	-	-	ADJ
gujaf-67	275	8	performing	performing	ADJ
gujaf-67	275	9	loans	loan	NOUN
gujaf-67	275	10	to	to	ADP
gujaf-67	275	11	total	total	ADJ
gujaf-67	275	12	assets	asset	NOUN
gujaf-67	275	13	negatively	negatively	ADV
gujaf-67	275	14	affects	affect	VERB
gujaf-67	275	15	a	a	DET
gujaf-67	275	16	bank	bank	NOUN
gujaf-67	275	17	’s	’s	PART
gujaf-67	275	18	efficiency	efficiency	NOUN
gujaf-67	275	19	.	.	PUNCT
gujaf-67	276	1	this	this	PRON
gujaf-67	276	2	is	be	AUX
gujaf-67	276	3	because	because	SCONJ
gujaf-67	276	4	high	high	ADJ
gujaf-67	276	5	npl	npl	PROPN
gujaf-67	276	6	leads	lead	VERB
gujaf-67	276	7	to	to	ADP
gujaf-67	276	8	loan	loan	NOUN
gujaf-67	276	9	loss	loss	NOUN
gujaf-67	276	10	provisions	provision	NOUN
gujaf-67	276	11	that	that	PRON
gujaf-67	276	12	in	in	ADP
gujaf-67	276	13	turn	turn	NOUN
gujaf-67	276	14	increases	increase	VERB
gujaf-67	276	15	total	total	ADJ
gujaf-67	276	16	operating	operating	NOUN
gujaf-67	276	17	expenses	expense	NOUN
gujaf-67	276	18	and	and	CCONJ
gujaf-67	276	19	consequently	consequently	ADV
gujaf-67	276	20	results	result	VERB
gujaf-67	276	21	in	in	ADP
gujaf-67	276	22	a	a	DET
gujaf-67	276	23	decline	decline	NOUN
gujaf-67	276	24	in	in	ADP
gujaf-67	276	25	a	a	DET
gujaf-67	276	26	bank	bank	NOUN
gujaf-67	276	27	’s	’s	PART
gujaf-67	276	28	net	net	ADJ
gujaf-67	276	29	income	income	NOUN
gujaf-67	276	30	.	.	PUNCT
gujaf-67	277	1	based	base	VERB
gujaf-67	277	2	on	on	ADP
gujaf-67	277	3	the	the	DET
gujaf-67	277	4	result	result	NOUN
gujaf-67	277	5	obtained	obtain	VERB
gujaf-67	277	6	herein	herein	NOUN
gujaf-67	277	7	,	,	PUNCT
gujaf-67	277	8	astq	astq	NOUN
gujaf-67	277	9	relates	relate	VERB
gujaf-67	277	10	with	with	ADP
gujaf-67	277	11	efcy	efcy	NOUN
gujaf-67	277	12	in	in	ADP
gujaf-67	277	13	the	the	DET
gujaf-67	277	14	same	same	ADJ
gujaf-67	277	15	direction	direction	NOUN
gujaf-67	277	16	,	,	PUNCT
gujaf-67	277	17	which	which	PRON
gujaf-67	277	18	suggests	suggest	VERB
gujaf-67	277	19	that	that	SCONJ
gujaf-67	277	20	the	the	PRON
gujaf-67	277	21	higher	high	ADJ
gujaf-67	277	22	the	the	DET
gujaf-67	277	23	astq	astq	NOUN
gujaf-67	277	24	,	,	PUNCT
gujaf-67	277	25	the	the	PRON
gujaf-67	277	26	higher	high	ADJ
gujaf-67	277	27	the	the	DET
gujaf-67	277	28	operating	operating	NOUN
gujaf-67	277	29	expenses	expense	NOUN
gujaf-67	277	30	and	and	CCONJ
gujaf-67	277	31	consequently	consequently	ADV
gujaf-67	277	32	the	the	PRON
gujaf-67	277	33	lower	low	ADJ
gujaf-67	277	34	the	the	DET
gujaf-67	277	35	level	level	NOUN
gujaf-67	277	36	of	of	ADP
gujaf-67	277	37	efficiency	efficiency	NOUN
gujaf-67	277	38	.	.	PUNCT
gujaf-67	278	1	earnings	earning	NOUN
gujaf-67	278	2	(	(	PUNCT
gujaf-67	278	3	roas	roas	NOUN
gujaf-67	278	4	)	)	PUNCT
gujaf-67	278	5	variable	variable	NOUN
gujaf-67	278	6	reports	report	VERB
gujaf-67	278	7	a	a	DET
gujaf-67	278	8	coefficient	coefficient	NOUN
gujaf-67	278	9	value	value	NOUN
gujaf-67	278	10	and	and	CCONJ
gujaf-67	278	11	t	t	NOUN
gujaf-67	278	12	-	-	PUNCT
gujaf-67	278	13	value	value	NOUN
gujaf-67	278	14	of	of	ADP
gujaf-67	278	15	-0.035	-0.035	NOUN
gujaf-67	278	16	and	and	CCONJ
gujaf-67	278	17	-3.700	-3.700	NUM
gujaf-67	278	18	respectively	respectively	ADV
gujaf-67	278	19	.	.	PUNCT
gujaf-67	279	1	the	the	DET
gujaf-67	279	2	negative	negative	ADJ
gujaf-67	279	3	relationship	relationship	NOUN
gujaf-67	279	4	is	be	AUX
gujaf-67	279	5	statistically	statistically	ADV
gujaf-67	279	6	significant	significant	ADJ
gujaf-67	279	7	at	at	ADP
gujaf-67	279	8	1	1	NUM
gujaf-67	279	9	%	%	NOUN
gujaf-67	279	10	level	level	NOUN
gujaf-67	279	11	of	of	ADP
gujaf-67	279	12	significance	significance	NOUN
gujaf-67	279	13	based	base	VERB
gujaf-67	279	14	on	on	ADP
gujaf-67	279	15	the	the	DET
gujaf-67	279	16	p	p	NOUN
gujaf-67	279	17	-	-	PUNCT
gujaf-67	279	18	value	value	NOUN
gujaf-67	279	19	of	of	ADP
gujaf-67	279	20	0.003	0.003	NUM
gujaf-67	279	21	.	.	PUNCT
gujaf-67	280	1	the	the	DET
gujaf-67	280	2	result	result	NOUN
gujaf-67	280	3	implies	imply	VERB
gujaf-67	280	4	that	that	SCONJ
gujaf-67	280	5	the	the	DET
gujaf-67	280	6	relationship	relationship	NOUN
gujaf-67	280	7	between	between	ADP
gujaf-67	280	8	roas	roas	NOUN
gujaf-67	280	9	and	and	CCONJ
gujaf-67	280	10	efcy	efcy	NOUN
gujaf-67	280	11	is	be	AUX
gujaf-67	280	12	inverse	inverse	ADJ
gujaf-67	280	13	in	in	ADP
gujaf-67	280	14	the	the	DET
gujaf-67	280	15	sense	sense	NOUN
gujaf-67	280	16	that	that	SCONJ
gujaf-67	280	17	higher	high	ADJ
gujaf-67	280	18	roas	roas	NOUN
gujaf-67	280	19	will	will	AUX
gujaf-67	280	20	potentially	potentially	ADV
gujaf-67	280	21	lead	lead	VERB
gujaf-67	280	22	to	to	ADP
gujaf-67	280	23	lower	low	ADJ
gujaf-67	280	24	efficiency	efficiency	NOUN
gujaf-67	280	25	.	.	PUNCT
gujaf-67	281	1	this	this	PRON
gujaf-67	281	2	is	be	AUX
gujaf-67	281	3	not	not	PART
gujaf-67	281	4	in	in	ADP
gujaf-67	281	5	line	line	NOUN
gujaf-67	281	6	with	with	ADP
gujaf-67	281	7	the	the	DET
gujaf-67	281	8	theoretical	theoretical	ADJ
gujaf-67	281	9	expectation	expectation	NOUN
gujaf-67	281	10	or	or	CCONJ
gujaf-67	281	11	a	a	DET
gujaf-67	281	12	priori	priori	ADJ
gujaf-67	281	13	expectation	expectation	NOUN
gujaf-67	281	14	.	.	PUNCT
gujaf-67	282	1	theoretically	theoretically	ADV
gujaf-67	282	2	,	,	PUNCT
gujaf-67	282	3	the	the	DET
gujaf-67	282	4	ratio	ratio	NOUN
gujaf-67	282	5	of	of	ADP
gujaf-67	282	6	profit	profit	NOUN
gujaf-67	282	7	after	after	ADP
gujaf-67	282	8	tax	tax	NOUN
gujaf-67	282	9	to	to	ADP
gujaf-67	282	10	total	total	ADJ
gujaf-67	282	11	assets	asset	NOUN
gujaf-67	282	12	should	should	AUX
gujaf-67	282	13	positively	positively	ADV
gujaf-67	282	14	affects	affect	VERB
gujaf-67	282	15	efficiency	efficiency	NOUN
gujaf-67	282	16	because	because	SCONJ
gujaf-67	282	17	it	it	PRON
gujaf-67	282	18	is	be	AUX
gujaf-67	282	19	believed	believe	VERB
gujaf-67	282	20	to	to	PART
gujaf-67	282	21	depict	depict	VERB
gujaf-67	282	22	the	the	DET
gujaf-67	282	23	ability	ability	NOUN
gujaf-67	282	24	of	of	ADP
gujaf-67	282	25	a	a	DET
gujaf-67	282	26	bank	bank	NOUN
gujaf-67	282	27	to	to	PART
gujaf-67	282	28	generate	generate	VERB
gujaf-67	282	29	earnings	earning	NOUN
gujaf-67	282	30	from	from	ADP
gujaf-67	282	31	its	its	PRON
gujaf-67	282	32	assets	asset	NOUN
gujaf-67	282	33	in	in	ADP
gujaf-67	282	34	such	such	DET
gujaf-67	282	35	a	a	DET
gujaf-67	282	36	way	way	NOUN
gujaf-67	282	37	that	that	PRON
gujaf-67	282	38	an	an	DET
gujaf-67	282	39	increase	increase	NOUN
gujaf-67	282	40	in	in	ADP
gujaf-67	282	41	roas	roas	NOUN
gujaf-67	282	42	will	will	AUX
gujaf-67	282	43	eventually	eventually	ADV
gujaf-67	282	44	lead	lead	VERB
gujaf-67	282	45	to	to	ADP
gujaf-67	282	46	an	an	DET
gujaf-67	282	47	increase	increase	NOUN
gujaf-67	282	48	in	in	ADP
gujaf-67	282	49	efficiency	efficiency	NOUN
gujaf-67	282	50	(	(	PUNCT
gujaf-67	282	51	wapmuk	wapmuk	ADJ
gujaf-67	282	52	,	,	PUNCT
gujaf-67	282	53	2016	2016	NUM
gujaf-67	282	54	)	)	PUNCT
gujaf-67	282	55	.	.	PUNCT
gujaf-67	283	1	liquidity	liquidity	NOUN
gujaf-67	283	2	(	(	PUNCT
gujaf-67	283	3	lqdt	lqdt	NOUN
gujaf-67	283	4	)	)	PUNCT
gujaf-67	283	5	also	also	ADV
gujaf-67	283	6	reports	report	VERB
gujaf-67	283	7	a	a	DET
gujaf-67	283	8	negative	negative	ADJ
gujaf-67	283	9	relationship	relationship	NOUN
gujaf-67	283	10	with	with	ADP
gujaf-67	283	11	efficiency	efficiency	NOUN
gujaf-67	283	12	of	of	ADP
gujaf-67	283	13	dmbs	dmb	NOUN
gujaf-67	283	14	in	in	ADP
gujaf-67	283	15	nigeria	nigeria	PROPN
gujaf-67	283	16	that	that	PRON
gujaf-67	283	17	is	be	AUX
gujaf-67	283	18	statistically	statistically	ADV
gujaf-67	283	19	significant	significant	ADJ
gujaf-67	283	20	at	at	ADP
gujaf-67	283	21	1	1	NUM
gujaf-67	283	22	%	%	NOUN
gujaf-67	283	23	level	level	NOUN
gujaf-67	283	24	of	of	ADP
gujaf-67	283	25	significance	significance	NOUN
gujaf-67	283	26	.	.	PUNCT
gujaf-67	284	1	this	this	PRON
gujaf-67	284	2	is	be	AUX
gujaf-67	284	3	based	base	VERB
gujaf-67	284	4	on	on	ADP
gujaf-67	284	5	the	the	DET
gujaf-67	284	6	coefficient	coefficient	NOUN
gujaf-67	284	7	value	value	NOUN
gujaf-67	284	8	of	of	ADP
gujaf-67	284	9	0.113	0.113	NUM
gujaf-67	284	10	and	and	CCONJ
gujaf-67	284	11	t	t	NOUN
gujaf-67	284	12	-	-	PUNCT
gujaf-67	284	13	value	value	NOUN
gujaf-67	284	14	of	of	ADP
gujaf-67	284	15	-5.580	-5.580	PROPN
gujaf-67	284	16	.	.	PUNCT
gujaf-67	285	1	the	the	DET
gujaf-67	285	2	direction	direction	NOUN
gujaf-67	285	3	of	of	ADP
gujaf-67	285	4	association	association	NOUN
gujaf-67	285	5	between	between	ADP
gujaf-67	285	6	lqdt	lqdt	NOUN
gujaf-67	285	7	and	and	CCONJ
gujaf-67	285	8	efcy	efcy	NOUN
gujaf-67	285	9	is	be	AUX
gujaf-67	285	10	consistent	consistent	ADJ
gujaf-67	285	11	with	with	ADP
gujaf-67	285	12	theory	theory	NOUN
gujaf-67	285	13	.	.	PUNCT
gujaf-67	286	1	this	this	PRON
gujaf-67	286	2	is	be	AUX
gujaf-67	286	3	because	because	SCONJ
gujaf-67	286	4	liquidity	liquidity	NOUN
gujaf-67	286	5	ratio	ratio	NOUN
gujaf-67	286	6	as	as	SCONJ
gujaf-67	286	7	measured	measure	VERB
gujaf-67	286	8	in	in	ADP
gujaf-67	286	9	this	this	DET
gujaf-67	286	10	paper	paper	NOUN
gujaf-67	286	11	indicates	indicate	VERB
gujaf-67	286	12	what	what	DET
gujaf-67	286	13	percentage	percentage	NOUN
gujaf-67	286	14	of	of	ADP
gujaf-67	286	15	a	a	DET
gujaf-67	286	16	bank	bank	NOUN
gujaf-67	286	17	’s	’s	PART
gujaf-67	286	18	assets	asset	NOUN
gujaf-67	286	19	is	be	AUX
gujaf-67	286	20	tied	tie	VERB
gujaf-67	286	21	up	up	ADP
gujaf-67	286	22	in	in	ADP
gujaf-67	286	23	loans	loan	NOUN
gujaf-67	286	24	.	.	PUNCT
gujaf-67	287	1	accordingly	accordingly	ADV
gujaf-67	287	2	,	,	PUNCT
gujaf-67	287	3	the	the	PRON
gujaf-67	287	4	higher	high	ADJ
gujaf-67	287	5	the	the	DET
gujaf-67	287	6	ratio	ratio	NOUN
gujaf-67	287	7	,	,	PUNCT
gujaf-67	287	8	the	the	DET
gujaf-67	287	9	less	less	ADV
gujaf-67	287	10	liquid	liquid	ADJ
gujaf-67	287	11	a	a	DET
gujaf-67	287	12	bank	bank	NOUN
gujaf-67	287	13	is	be	AUX
gujaf-67	287	14	.	.	PUNCT
gujaf-67	288	1	sensitivity	sensitivity	NOUN
gujaf-67	288	2	to	to	PART
gujaf-67	288	3	market	market	NOUN
gujaf-67	288	4	risk	risk	NOUN
gujaf-67	288	5	(	(	PUNCT
gujaf-67	288	6	smkr	smkr	NOUN
gujaf-67	288	7	)	)	PUNCT
gujaf-67	288	8	reports	report	VERB
gujaf-67	288	9	a	a	DET
gujaf-67	288	10	positive	positive	ADJ
gujaf-67	288	11	relationship	relationship	NOUN
gujaf-67	288	12	with	with	ADP
gujaf-67	288	13	efficiency	efficiency	NOUN
gujaf-67	288	14	of	of	ADP
gujaf-67	288	15	dmbs	dmb	NOUN
gujaf-67	288	16	in	in	ADP
gujaf-67	288	17	nigeria	nigeria	PROPN
gujaf-67	288	18	that	that	PRON
gujaf-67	288	19	is	be	AUX
gujaf-67	288	20	statistically	statistically	ADV
gujaf-67	288	21	significant	significant	ADJ
gujaf-67	288	22	at	at	ADP
gujaf-67	288	23	5	5	NUM
gujaf-67	288	24	%	%	NOUN
gujaf-67	288	25	level	level	NOUN
gujaf-67	288	26	of	of	ADP
gujaf-67	288	27	significance	significance	NOUN
gujaf-67	288	28	.	.	PUNCT
gujaf-67	289	1	the	the	DET
gujaf-67	289	2	coefficient	coefficient	NOUN
gujaf-67	289	3	value	value	NOUN
gujaf-67	289	4	of	of	ADP
gujaf-67	289	5	0.077	0.077	NUM
gujaf-67	289	6	and	and	CCONJ
gujaf-67	289	7	t	t	NOUN
gujaf-67	289	8	-	-	PUNCT
gujaf-67	289	9	value	value	NOUN
gujaf-67	289	10	of	of	ADP
gujaf-67	289	11	2.890	2.890	NUM
gujaf-67	289	12	implied	imply	VERB
gujaf-67	289	13	that	that	SCONJ
gujaf-67	289	14	the	the	DET
gujaf-67	289	15	direction	direction	NOUN
gujaf-67	289	16	of	of	ADP
gujaf-67	289	17	association	association	NOUN
gujaf-67	289	18	between	between	ADP
gujaf-67	289	19	smkr	smkr	NOUN
gujaf-67	289	20	and	and	CCONJ
gujaf-67	289	21	efcy	efcy	NOUN
gujaf-67	289	22	is	be	AUX
gujaf-67	289	23	consistent	consistent	ADJ
gujaf-67	289	24	with	with	ADP
gujaf-67	289	25	theory	theory	NOUN
gujaf-67	289	26	and	and	CCONJ
gujaf-67	289	27	a	a	DET
gujaf-67	289	28	priori	priori	ADJ
gujaf-67	289	29	expectation	expectation	NOUN
gujaf-67	289	30	.	.	PUNCT
gujaf-67	290	1	the	the	DET
gujaf-67	290	2	ratio	ratio	NOUN
gujaf-67	290	3	of	of	ADP
gujaf-67	290	4	net	net	ADJ
gujaf-67	290	5	interest	interest	NOUN
gujaf-67	290	6	income	income	NOUN
gujaf-67	290	7	to	to	PART
gujaf-67	290	8	average	average	VERB
gujaf-67	290	9	total	total	ADJ
gujaf-67	290	10	assets	asset	NOUN
gujaf-67	290	11	used	use	VERB
gujaf-67	290	12	for	for	ADP
gujaf-67	290	13	sensitivity	sensitivity	NOUN
gujaf-67	290	14	to	to	PART
gujaf-67	290	15	market	market	NOUN
gujaf-67	290	16	risk	risk	NOUN
gujaf-67	290	17	positively	positively	ADV
gujaf-67	290	18	affects	affect	VERB
gujaf-67	290	19	bank	bank	NOUN
gujaf-67	290	20	.	.	PUNCT
gujaf-67	291	1	the	the	DET
gujaf-67	291	2	control	control	NOUN
gujaf-67	291	3	variable	variable	NOUN
gujaf-67	291	4	,	,	PUNCT
gujaf-67	291	5	size	size	NOUN
gujaf-67	291	6	has	have	VERB
gujaf-67	291	7	a	a	DET
gujaf-67	291	8	positive	positive	ADJ
gujaf-67	291	9	coefficient	coefficient	NOUN
gujaf-67	291	10	value	value	NOUN
gujaf-67	291	11	of	of	ADP
gujaf-67	291	12	0.078	0.078	NUM
gujaf-67	291	13	and	and	CCONJ
gujaf-67	291	14	t	t	NOUN
gujaf-67	291	15	-	-	PUNCT
gujaf-67	291	16	value	value	NOUN
gujaf-67	291	17	of	of	ADP
gujaf-67	291	18	6.730	6.730	NUM
gujaf-67	291	19	.	.	PUNCT
gujaf-67	292	1	the	the	DET
gujaf-67	292	2	relationship	relationship	NOUN
gujaf-67	292	3	,	,	PUNCT
gujaf-67	292	4	which	which	PRON
gujaf-67	292	5	is	be	AUX
gujaf-67	292	6	in	in	ADP
gujaf-67	292	7	line	line	NOUN
gujaf-67	292	8	with	with	ADP
gujaf-67	292	9	both	both	DET
gujaf-67	292	10	theory	theory	NOUN
gujaf-67	292	11	and	and	CCONJ
gujaf-67	292	12	a	a	DET
gujaf-67	292	13	priori	priori	ADJ
gujaf-67	292	14	expectation	expectation	NOUN
gujaf-67	292	15	,	,	PUNCT
gujaf-67	292	16	is	be	AUX
gujaf-67	292	17	statistically	statistically	ADV
gujaf-67	292	18	significant	significant	ADJ
gujaf-67	292	19	based	base	VERB
gujaf-67	292	20	on	on	ADP
gujaf-67	292	21	the	the	DET
gujaf-67	292	22	p	p	NOUN
gujaf-67	292	23	-	-	PUNCT
gujaf-67	292	24	value	value	NOUN
gujaf-67	292	25	of	of	ADP
gujaf-67	292	26	0.000	0.000	NUM
gujaf-67	292	27	.	.	PUNCT
gujaf-67	293	1	this	this	PRON
gujaf-67	293	2	means	mean	VERB
gujaf-67	293	3	the	the	PRON
gujaf-67	293	4	higher	high	ADJ
gujaf-67	293	5	the	the	DET
gujaf-67	293	6	size	size	NOUN
gujaf-67	293	7	of	of	ADP
gujaf-67	293	8	a	a	DET
gujaf-67	293	9	bank	bank	NOUN
gujaf-67	293	10	the	the	PRON
gujaf-67	293	11	higher	high	ADJ
gujaf-67	293	12	its	its	PRON
gujaf-67	293	13	level	level	NOUN
gujaf-67	293	14	of	of	ADP
gujaf-67	293	15	efficiency	efficiency	NOUN
gujaf-67	293	16	.	.	PUNCT
gujaf-67	294	1	based	base	VERB
gujaf-67	294	2	on	on	ADP
gujaf-67	294	3	the	the	DET
gujaf-67	294	4	robust	robust	ADJ
gujaf-67	294	5	fixed	fix	VERB
gujaf-67	294	6	effect	effect	NOUN
gujaf-67	294	7	regression	regression	NOUN
gujaf-67	294	8	result	result	NOUN
gujaf-67	294	9	contained	contain	VERB
gujaf-67	294	10	in	in	ADP
gujaf-67	294	11	table	table	NOUN
gujaf-67	294	12	3	3	NUM
gujaf-67	294	13	,	,	PUNCT
gujaf-67	294	14	the	the	DET
gujaf-67	294	15	hypotheses	hypothesis	NOUN
gujaf-67	294	16	of	of	ADP
gujaf-67	294	17	the	the	DET
gujaf-67	294	18	study	study	NOUN
gujaf-67	294	19	are	be	AUX
gujaf-67	294	20	tested	test	VERB
gujaf-67	294	21	as	as	SCONJ
gujaf-67	294	22	shown	show	VERB
gujaf-67	294	23	in	in	ADP
gujaf-67	294	24	table	table	NOUN
gujaf-67	294	25	4	4	NUM
gujaf-67	294	26	.	.	PUNCT
gujaf-67	294	27	table	table	NOUN
gujaf-67	294	28	4	4	NUM
gujaf-67	294	29	:	:	PUNCT
gujaf-67	294	30	summary	summary	NOUN
gujaf-67	294	31	of	of	ADP
gujaf-67	294	32	hypotheses	hypothesis	NOUN
gujaf-67	294	33	testing	test	VERB
gujaf-67	294	34	variable	variable	ADJ
gujaf-67	294	35	expected	expect	VERB
gujaf-67	294	36	sign	sign	NOUN
gujaf-67	294	37	reported	report	VERB
gujaf-67	294	38	sign	sign	NOUN
gujaf-67	294	39	level	level	NOUN
gujaf-67	294	40	of	of	ADP
gujaf-67	294	41	significance	significance	NOUN
gujaf-67	294	42	remark	remark	NOUN
gujaf-67	294	43	caad	caad	PROPN
gujaf-67	294	44	+	+	CCONJ
gujaf-67	294	45	–	–	PUNCT
gujaf-67	294	46	1	1	NUM
gujaf-67	294	47	%	%	NOUN
gujaf-67	294	48	rejected	reject	VERB
gujaf-67	294	49	astq	astq	ADV
gujaf-67	294	50	–	–	PUNCT
gujaf-67	294	51	+	+	CCONJ
gujaf-67	294	52	not	not	PART
gujaf-67	294	53	significant	significant	ADJ
gujaf-67	294	54	not	not	PART
gujaf-67	294	55	rejected	reject	VERB
gujaf-67	294	56	roas	roas	NOUN
gujaf-67	294	57	+	+	CCONJ
gujaf-67	294	58	–	–	PUNCT
gujaf-67	294	59	1	1	NUM
gujaf-67	294	60	%	%	NOUN
gujaf-67	294	61	rejected	reject	VERB
gujaf-67	294	62	lqdt	lqdt	NOUN
gujaf-67	294	63	–	–	PUNCT
gujaf-67	294	64	–	–	PUNCT
gujaf-67	294	65	1	1	NUM
gujaf-67	294	66	%	%	NOUN
gujaf-67	294	67	rejected	reject	VERB
gujaf-67	294	68	smkr	smkr	NOUN
gujaf-67	294	69	+	+	X
gujaf-67	295	1	+	+	CCONJ
gujaf-67	295	2	5	5	NUM
gujaf-67	295	3	%	%	NOUN
gujaf-67	295	4	rejected	reject	VERB
gujaf-67	295	5	source	source	NOUN
gujaf-67	295	6	:	:	PUNCT
gujaf-67	295	7	authors	author	NOUN
gujaf-67	295	8	’	’	PART
gujaf-67	295	9	extraction	extraction	NOUN
gujaf-67	295	10	from	from	ADP
gujaf-67	295	11	the	the	DET
gujaf-67	295	12	robust	robust	ADJ
gujaf-67	295	13	fixed	fix	VERB
gujaf-67	295	14	effect	effect	NOUN
gujaf-67	295	15	results	result	NOUN
gujaf-67	295	16	from	from	ADP
gujaf-67	295	17	table	table	NOUN
gujaf-67	295	18	4	4	NUM
gujaf-67	295	19	,	,	PUNCT
gujaf-67	295	20	it	it	PRON
gujaf-67	295	21	can	can	AUX
gujaf-67	295	22	be	be	AUX
gujaf-67	295	23	seen	see	VERB
gujaf-67	295	24	that	that	SCONJ
gujaf-67	295	25	four	four	NUM
gujaf-67	295	26	out	out	ADP
gujaf-67	295	27	of	of	ADP
gujaf-67	295	28	the	the	DET
gujaf-67	295	29	five	five	NUM
gujaf-67	295	30	hypotheses	hypothesis	NOUN
gujaf-67	295	31	formulated	formulate	VERB
gujaf-67	295	32	for	for	ADP
gujaf-67	295	33	the	the	DET
gujaf-67	295	34	study	study	NOUN
gujaf-67	295	35	were	be	AUX
gujaf-67	295	36	rejected	reject	VERB
gujaf-67	295	37	based	base	VERB
gujaf-67	295	38	on	on	ADP
gujaf-67	295	39	the	the	DET
gujaf-67	295	40	evidence	evidence	NOUN
gujaf-67	295	41	provided	provide	VERB
gujaf-67	295	42	by	by	ADP
gujaf-67	295	43	the	the	DET
gujaf-67	295	44	results	result	NOUN
gujaf-67	295	45	.	.	PUNCT
gujaf-67	296	1	one	one	NUM
gujaf-67	296	2	hypothesis	hypothesis	NOUN
gujaf-67	296	3	could	could	AUX
gujaf-67	296	4	not	not	PART
gujaf-67	296	5	be	be	AUX
gujaf-67	296	6	rejected	reject	VERB
gujaf-67	296	7	due	due	ADP
gujaf-67	296	8	to	to	ADP
gujaf-67	296	9	lack	lack	NOUN
gujaf-67	296	10	of	of	ADP
gujaf-67	296	11	sufficient	sufficient	ADJ
gujaf-67	296	12	evidence	evidence	NOUN
gujaf-67	296	13	to	to	PART
gujaf-67	296	14	support	support	VERB
gujaf-67	296	15	its	its	PRON
gujaf-67	296	16	rejection	rejection	NOUN
gujaf-67	296	17	.	.	PUNCT
gujaf-67	297	1	the	the	DET
gujaf-67	297	2	rejection	rejection	NOUN
gujaf-67	297	3	is	be	AUX
gujaf-67	297	4	based	base	VERB
gujaf-67	297	5	on	on	ADP
gujaf-67	297	6	the	the	DET
gujaf-67	297	7	fact	fact	NOUN
gujaf-67	297	8	that	that	SCONJ
gujaf-67	297	9	the	the	DET
gujaf-67	297	10	hypotheses	hypothesis	NOUN
gujaf-67	297	11	were	be	AUX
gujaf-67	297	12	formulated	formulate	VERB
gujaf-67	297	13	in	in	ADP
gujaf-67	297	14	two	two	NUM
gujaf-67	297	15	-	-	PUNCT
gujaf-67	297	16	tail	tail	NOUN
gujaf-67	297	17	form	form	NOUN
gujaf-67	297	18	.	.	PUNCT
gujaf-67	298	1	however	however	ADV
gujaf-67	298	2	,	,	PUNCT
gujaf-67	298	3	on	on	ADP
gujaf-67	298	4	the	the	DET
gujaf-67	298	5	basis	basis	NOUN
gujaf-67	298	6	of	of	ADP
gujaf-67	298	7	direction	direction	NOUN
gujaf-67	298	8	of	of	ADP
gujaf-67	298	9	association	association	NOUN
gujaf-67	298	10	,	,	PUNCT
gujaf-67	298	11	gusau	gusau	ADJ
gujaf-67	298	12	journal	journal	NOUN
gujaf-67	298	13	of	of	ADP
gujaf-67	298	14	accounting	accounting	NOUN
gujaf-67	298	15	and	and	CCONJ
gujaf-67	298	16	finance	finance	NOUN
gujaf-67	298	17	,	,	PUNCT
gujaf-67	298	18	vol	vol	NOUN
gujaf-67	298	19	.	.	PROPN
gujaf-67	298	20	2	2	NUM
gujaf-67	298	21	,	,	PUNCT
gujaf-67	298	22	issue	issue	NOUN
gujaf-67	298	23	2	2	NUM
gujaf-67	298	24	,	,	PUNCT
gujaf-67	298	25	april	april	PROPN
gujaf-67	298	26	,	,	PUNCT
gujaf-67	298	27	2021	2021	NUM
gujaf-67	298	28	14	14	NUM
gujaf-67	298	29	only	only	ADJ
gujaf-67	298	30	lqdt	lqdt	NOUN
gujaf-67	298	31	and	and	CCONJ
gujaf-67	298	32	smkr	smkr	NOUN
gujaf-67	298	33	are	be	AUX
gujaf-67	298	34	in	in	ADP
gujaf-67	298	35	line	line	NOUN
gujaf-67	298	36	with	with	ADP
gujaf-67	298	37	a	a	DET
gujaf-67	298	38	priori	priori	ADJ
gujaf-67	298	39	expectations	expectation	NOUN
gujaf-67	298	40	.	.	PUNCT
gujaf-67	299	1	though	though	SCONJ
gujaf-67	299	2	the	the	DET
gujaf-67	299	3	hypotheses	hypothesis	NOUN
gujaf-67	299	4	regarding	regard	VERB
gujaf-67	299	5	caad	caad	NOUN
gujaf-67	299	6	and	and	CCONJ
gujaf-67	299	7	roas	roas	NOUN
gujaf-67	299	8	are	be	AUX
gujaf-67	299	9	rejected	reject	VERB
gujaf-67	299	10	,	,	PUNCT
gujaf-67	299	11	in	in	ADP
gujaf-67	299	12	terms	term	NOUN
gujaf-67	299	13	of	of	ADP
gujaf-67	299	14	the	the	DET
gujaf-67	299	15	direction	direction	NOUN
gujaf-67	299	16	of	of	ADP
gujaf-67	299	17	association	association	NOUN
gujaf-67	299	18	with	with	ADP
gujaf-67	299	19	efcy	efcy	PROPN
gujaf-67	299	20	,	,	PUNCT
gujaf-67	299	21	both	both	PRON
gujaf-67	299	22	are	be	AUX
gujaf-67	299	23	not	not	PART
gujaf-67	299	24	in	in	ADP
gujaf-67	299	25	line	line	NOUN
gujaf-67	299	26	with	with	ADP
gujaf-67	299	27	a	a	DET
gujaf-67	299	28	priori	priori	ADJ
gujaf-67	299	29	expectations	expectation	NOUN
gujaf-67	299	30	.	.	PUNCT
gujaf-67	300	1	the	the	DET
gujaf-67	300	2	reason	reason	NOUN
gujaf-67	300	3	for	for	ADP
gujaf-67	300	4	the	the	DET
gujaf-67	300	5	inconsistency	inconsistency	NOUN
gujaf-67	300	6	between	between	ADP
gujaf-67	300	7	the	the	DET
gujaf-67	300	8	a	a	DET
gujaf-67	300	9	priori	priori	ADJ
gujaf-67	300	10	expectations	expectation	NOUN
gujaf-67	300	11	and	and	CCONJ
gujaf-67	300	12	some	some	PRON
gujaf-67	300	13	of	of	ADP
gujaf-67	300	14	the	the	DET
gujaf-67	300	15	results	result	NOUN
gujaf-67	300	16	may	may	AUX
gujaf-67	300	17	not	not	PART
gujaf-67	300	18	be	be	AUX
gujaf-67	300	19	far	far	ADV
gujaf-67	300	20	from	from	ADP
gujaf-67	300	21	the	the	DET
gujaf-67	300	22	structure	structure	NOUN
gujaf-67	300	23	of	of	ADP
gujaf-67	300	24	the	the	DET
gujaf-67	300	25	banking	banking	NOUN
gujaf-67	300	26	industry	industry	NOUN
gujaf-67	300	27	in	in	ADP
gujaf-67	300	28	nigeria	nigeria	PROPN
gujaf-67	300	29	.	.	PUNCT
gujaf-67	301	1	while	while	SCONJ
gujaf-67	301	2	eight	eight	NUM
gujaf-67	301	3	banks	bank	NOUN
gujaf-67	301	4	are	be	AUX
gujaf-67	301	5	designated	designate	VERB
gujaf-67	301	6	as	as	ADP
gujaf-67	301	7	international	international	ADJ
gujaf-67	301	8	banks	bank	NOUN
gujaf-67	301	9	based	base	VERB
gujaf-67	301	10	on	on	ADP
gujaf-67	301	11	the	the	DET
gujaf-67	301	12	license	license	NOUN
gujaf-67	301	13	granted	grant	VERB
gujaf-67	301	14	to	to	ADP
gujaf-67	301	15	them	they	PRON
gujaf-67	301	16	with	with	ADP
gujaf-67	301	17	scope	scope	NOUN
gujaf-67	301	18	of	of	ADP
gujaf-67	301	19	operation	operation	NOUN
gujaf-67	301	20	extending	extend	VERB
gujaf-67	301	21	to	to	ADP
gujaf-67	301	22	some	some	DET
gujaf-67	301	23	countries	country	NOUN
gujaf-67	301	24	outside	outside	ADP
gujaf-67	301	25	nigeria	nigeria	PROPN
gujaf-67	301	26	,	,	PUNCT
gujaf-67	301	27	the	the	DET
gujaf-67	301	28	remaining	remain	VERB
gujaf-67	301	29	banks	bank	NOUN
gujaf-67	301	30	used	use	VERB
gujaf-67	301	31	in	in	ADP
gujaf-67	301	32	the	the	DET
gujaf-67	301	33	study	study	NOUN
gujaf-67	301	34	are	be	AUX
gujaf-67	301	35	categorised	categorise	VERB
gujaf-67	301	36	as	as	ADP
gujaf-67	301	37	national	national	ADJ
gujaf-67	301	38	banks	bank	NOUN
gujaf-67	301	39	.	.	PUNCT
gujaf-67	302	1	the	the	DET
gujaf-67	302	2	activities	activity	NOUN
gujaf-67	302	3	and	and	CCONJ
gujaf-67	302	4	scope	scope	NOUN
gujaf-67	302	5	of	of	ADP
gujaf-67	302	6	operations	operation	NOUN
gujaf-67	302	7	of	of	ADP
gujaf-67	302	8	the	the	DET
gujaf-67	302	9	banks	bank	NOUN
gujaf-67	302	10	are	be	AUX
gujaf-67	302	11	not	not	PART
gujaf-67	302	12	on	on	ADP
gujaf-67	302	13	the	the	DET
gujaf-67	302	14	same	same	ADJ
gujaf-67	302	15	level	level	NOUN
gujaf-67	302	16	thus	thus	ADV
gujaf-67	302	17	the	the	DET
gujaf-67	302	18	outcome	outcome	NOUN
gujaf-67	302	19	of	of	ADP
gujaf-67	302	20	analysis	analysis	NOUN
gujaf-67	302	21	of	of	ADP
gujaf-67	302	22	data	datum	NOUN
gujaf-67	302	23	on	on	ADP
gujaf-67	302	24	their	their	PRON
gujaf-67	302	25	operations	operation	NOUN
gujaf-67	302	26	is	be	AUX
gujaf-67	302	27	likely	likely	ADJ
gujaf-67	302	28	to	to	PART
gujaf-67	302	29	be	be	AUX
gujaf-67	302	30	mixed	mix	VERB
gujaf-67	302	31	.	.	PUNCT
gujaf-67	303	1	5	5	NUM
gujaf-67	303	2	.	.	X
gujaf-67	303	3	conclusion	conclusion	NOUN
gujaf-67	303	4	and	and	CCONJ
gujaf-67	303	5	recommendations	recommendation	NOUN
gujaf-67	303	6	the	the	DET
gujaf-67	303	7	analysis	analysis	NOUN
gujaf-67	303	8	carried	carry	VERB
gujaf-67	303	9	out	out	ADP
gujaf-67	303	10	in	in	ADP
gujaf-67	303	11	this	this	DET
gujaf-67	303	12	paper	paper	NOUN
gujaf-67	303	13	shows	show	VERB
gujaf-67	303	14	that	that	SCONJ
gujaf-67	303	15	overall	overall	ADJ
gujaf-67	303	16	,	,	PUNCT
gujaf-67	303	17	the	the	DET
gujaf-67	303	18	core	core	NOUN
gujaf-67	303	19	set	set	NOUN
gujaf-67	303	20	of	of	ADP
gujaf-67	303	21	imf	imf	PROPN
gujaf-67	303	22	’	'	PUNCT
gujaf-67	303	23	(	(	PUNCT
gujaf-67	303	24	2006	2006	NUM
gujaf-67	303	25	)	)	PUNCT
gujaf-67	303	26	financial	financial	ADJ
gujaf-67	303	27	soundness	soundness	NOUN
gujaf-67	303	28	indicators	indicator	NOUN
gujaf-67	303	29	(	(	PUNCT
gujaf-67	303	30	fsis	fsis	NOUN
gujaf-67	303	31	)	)	PUNCT
gujaf-67	303	32	have	have	VERB
gujaf-67	303	33	significant	significant	ADJ
gujaf-67	303	34	effect	effect	NOUN
gujaf-67	303	35	on	on	ADP
gujaf-67	303	36	efficiency	efficiency	NOUN
gujaf-67	303	37	of	of	ADP
gujaf-67	303	38	deposit	deposit	NOUN
gujaf-67	303	39	money	money	NOUN
gujaf-67	303	40	banks	bank	NOUN
gujaf-67	303	41	in	in	ADP
gujaf-67	303	42	nigeria	nigeria	PROPN
gujaf-67	303	43	during	during	ADP
gujaf-67	303	44	the	the	DET
gujaf-67	303	45	period	period	NOUN
gujaf-67	303	46	2010-2018.this	2010-2018.this	NUM
gujaf-67	303	47	is	be	AUX
gujaf-67	303	48	supported	support	VERB
gujaf-67	303	49	by	by	ADP
gujaf-67	303	50	the	the	DET
gujaf-67	303	51	f	f	PROPN
gujaf-67	303	52	-	-	NOUN
gujaf-67	303	53	statistic	statistic	NOUN
gujaf-67	303	54	.	.	PUNCT
gujaf-67	304	1	at	at	ADP
gujaf-67	304	2	the	the	DET
gujaf-67	304	3	level	level	NOUN
gujaf-67	304	4	of	of	ADP
gujaf-67	304	5	individual	individual	ADJ
gujaf-67	304	6	components	component	NOUN
gujaf-67	304	7	of	of	ADP
gujaf-67	304	8	the	the	DET
gujaf-67	304	9	fsis	fsis	NOUN
gujaf-67	304	10	,	,	PUNCT
gujaf-67	304	11	four	four	NUM
gujaf-67	304	12	variables	variable	NOUN
gujaf-67	304	13	namely	namely	ADV
gujaf-67	304	14	;	;	PUNCT
gujaf-67	304	15	caad	caad	PROPN
gujaf-67	304	16	,	,	PUNCT
gujaf-67	304	17	roas	roas	NOUN
gujaf-67	304	18	,	,	PUNCT
gujaf-67	304	19	lqdt	lqdt	NOUN
gujaf-67	304	20	and	and	CCONJ
gujaf-67	304	21	smkr	smkr	NOUN
gujaf-67	304	22	are	be	AUX
gujaf-67	304	23	statistically	statistically	ADV
gujaf-67	304	24	significant	significant	ADJ
gujaf-67	304	25	while	while	SCONJ
gujaf-67	304	26	astq	astq	ADJ
gujaf-67	304	27	is	be	AUX
gujaf-67	304	28	not	not	PART
gujaf-67	304	29	statistically	statistically	ADV
gujaf-67	304	30	significant	significant	ADJ
gujaf-67	304	31	.	.	PUNCT
gujaf-67	305	1	however	however	ADV
gujaf-67	305	2	,	,	PUNCT
gujaf-67	305	3	two	two	NUM
gujaf-67	305	4	of	of	ADP
gujaf-67	305	5	the	the	DET
gujaf-67	305	6	statistically	statistically	ADV
gujaf-67	305	7	significant	significant	ADJ
gujaf-67	305	8	variables	variable	NOUN
gujaf-67	305	9	,	,	PUNCT
gujaf-67	305	10	caad	caad	PROPN
gujaf-67	305	11	,	,	PUNCT
gujaf-67	305	12	roas	roas	NOUN
gujaf-67	305	13	are	be	AUX
gujaf-67	305	14	not	not	PART
gujaf-67	305	15	consistent	consistent	ADJ
gujaf-67	305	16	with	with	ADP
gujaf-67	305	17	the	the	DET
gujaf-67	305	18	expected	expect	VERB
gujaf-67	305	19	theoretical	theoretical	ADJ
gujaf-67	305	20	postulation	postulation	NOUN
gujaf-67	305	21	.	.	PUNCT
gujaf-67	306	1	therefore	therefore	ADV
gujaf-67	306	2	,	,	PUNCT
gujaf-67	306	3	little	little	ADJ
gujaf-67	306	4	can	can	AUX
gujaf-67	306	5	be	be	AUX
gujaf-67	306	6	said	say	VERB
gujaf-67	306	7	about	about	ADP
gujaf-67	306	8	their	their	PRON
gujaf-67	306	9	significance	significance	NOUN
gujaf-67	306	10	,	,	PUNCT
gujaf-67	306	11	particularly	particularly	ADV
gujaf-67	306	12	in	in	ADP
gujaf-67	306	13	the	the	DET
gujaf-67	306	14	area	area	NOUN
gujaf-67	306	15	of	of	ADP
gujaf-67	306	16	effective	effective	ADJ
gujaf-67	306	17	policy	policy	NOUN
gujaf-67	306	18	recommendation	recommendation	NOUN
gujaf-67	306	19	.	.	PUNCT
gujaf-67	307	1	in	in	ADP
gujaf-67	307	2	light	light	NOUN
gujaf-67	307	3	of	of	ADP
gujaf-67	307	4	these	these	DET
gujaf-67	307	5	findings	finding	NOUN
gujaf-67	307	6	,	,	PUNCT
gujaf-67	307	7	the	the	DET
gujaf-67	307	8	paper	paper	NOUN
gujaf-67	307	9	recommends	recommend	VERB
gujaf-67	307	10	,	,	PUNCT
gujaf-67	307	11	amongst	amongst	ADP
gujaf-67	307	12	other	other	ADJ
gujaf-67	307	13	things	thing	NOUN
gujaf-67	307	14	,	,	PUNCT
gujaf-67	307	15	that	that	SCONJ
gujaf-67	307	16	bank	bank	NOUN
gujaf-67	307	17	management	management	NOUN
gujaf-67	307	18	should	should	AUX
gujaf-67	307	19	continue	continue	VERB
gujaf-67	307	20	to	to	PART
gujaf-67	307	21	use	use	VERB
gujaf-67	307	22	fsis	fsis	NOUN
gujaf-67	307	23	in	in	ADP
gujaf-67	307	24	benchmarking	benchmarke	VERB
gujaf-67	307	25	the	the	DET
gujaf-67	307	26	efficiency	efficiency	NOUN
gujaf-67	307	27	of	of	ADP
gujaf-67	307	28	their	their	PRON
gujaf-67	307	29	operations	operation	NOUN
gujaf-67	307	30	.	.	PUNCT
gujaf-67	308	1	references	reference	NOUN
gujaf-67	308	2	abdallah	abdallah	PROPN
gujaf-67	308	3	,	,	PUNCT
gujaf-67	308	4	w.	w.	PROPN
gujaf-67	308	5	m.	m.	PROPN
gujaf-67	308	6	s.	s.	PROPN
gujaf-67	308	7	(	(	PUNCT
gujaf-67	308	8	2013	2013	NUM
gujaf-67	308	9	)	)	PUNCT
gujaf-67	308	10	.	.	PUNCT
gujaf-67	309	1	the	the	DET
gujaf-67	309	2	impact	impact	NOUN
gujaf-67	309	3	of	of	ADP
gujaf-67	309	4	financial	financial	ADJ
gujaf-67	309	5	and	and	CCONJ
gujaf-67	309	6	non	non	ADJ
gujaf-67	309	7	-	-	ADJ
gujaf-67	309	8	financial	financial	ADJ
gujaf-67	309	9	measures	measure	NOUN
gujaf-67	309	10	on	on	ADP
gujaf-67	309	11	banks	bank	NOUN
gujaf-67	309	12	’	'	PUNCT
gujaf-67	309	13	financial	financial	ADJ
gujaf-67	309	14	strength	strength	NOUN
gujaf-67	309	15	ratings	rating	NOUN
gujaf-67	309	16	:	:	PUNCT
gujaf-67	309	17	the	the	DET
gujaf-67	309	18	case	case	NOUN
gujaf-67	309	19	of	of	ADP
gujaf-67	309	20	the	the	DET
gujaf-67	309	21	middle	middle	PROPN
gujaf-67	309	22	east	east	PROPN
gujaf-67	309	23	.	.	PUNCT
gujaf-67	310	1	phd	phd	NOUN
gujaf-67	310	2	thesis	thesis	NOUN
gujaf-67	310	3	submitted	submit	VERB
gujaf-67	310	4	to	to	ADP
gujaf-67	310	5	salford	salford	PROPN
gujaf-67	310	6	business	business	PROPN
gujaf-67	310	7	school	school	PROPN
gujaf-67	310	8	,	,	PUNCT
gujaf-67	310	9	university	university	PROPN
gujaf-67	310	10	of	of	ADP
gujaf-67	310	11	salford	salford	PROPN
gujaf-67	310	12	,	,	PUNCT
gujaf-67	310	13	united	united	PROPN
gujaf-67	310	14	kingdom	kingdom	PROPN
gujaf-67	310	15	.	.	PUNCT
gujaf-67	311	1	albulescu	albulescu	PROPN
gujaf-67	311	2	,	,	PUNCT
gujaf-67	311	3	c.	c.	PROPN
gujaf-67	311	4	t.	t.	PROPN
gujaf-67	311	5	(	(	PUNCT
gujaf-67	311	6	2015	2015	NUM
gujaf-67	311	7	)	)	PUNCT
gujaf-67	311	8	.	.	PUNCT
gujaf-67	312	1	banks	bank	NOUN
gujaf-67	312	2	’	’	PART
gujaf-67	312	3	profitability	profitability	NOUN
gujaf-67	312	4	and	and	CCONJ
gujaf-67	312	5	financial	financial	ADJ
gujaf-67	312	6	soundness	soundness	NOUN
gujaf-67	312	7	indicators	indicator	NOUN
gujaf-67	312	8	:	:	PUNCT
gujaf-67	312	9	a	a	DET
gujaf-67	312	10	macro	macro	ADJ
gujaf-67	312	11	level	level	NOUN
gujaf-67	312	12	investigation	investigation	NOUN
gujaf-67	312	13	in	in	ADP
gujaf-67	312	14	emerging	emerge	VERB
gujaf-67	312	15	countries	country	NOUN
gujaf-67	312	16	.	.	PUNCT
gujaf-67	313	1	procedia	procedia	NOUN
gujaf-67	313	2	economics	economic	NOUN
gujaf-67	313	3	and	and	CCONJ
gujaf-67	313	4	finance	finance	NOUN
gujaf-67	313	5	,	,	PUNCT
gujaf-67	313	6	23	23	NUM
gujaf-67	313	7	:	:	SYM
gujaf-67	313	8	203	203	NUM
gujaf-67	313	9	-	-	SYM
gujaf-67	313	10	209	209	NUM
gujaf-67	313	11	.	.	PUNCT
gujaf-67	314	1	al	al	PROPN
gujaf-67	314	2	-	-	PUNCT
gujaf-67	314	3	muharrami	muharrami	PROPN
gujaf-67	314	4	,	,	PUNCT
gujaf-67	314	5	s.	s.	PROPN
gujaf-67	314	6	(	(	PUNCT
gujaf-67	314	7	2015	2015	NUM
gujaf-67	314	8	)	)	PUNCT
gujaf-67	314	9	.	.	PUNCT
gujaf-67	315	1	the	the	DET
gujaf-67	315	2	ability	ability	NOUN
gujaf-67	315	3	of	of	ADP
gujaf-67	315	4	financial	financial	ADJ
gujaf-67	315	5	soundness	soundness	NOUN
gujaf-67	315	6	indicators	indicator	NOUN
gujaf-67	315	7	in	in	ADP
gujaf-67	315	8	assessing	assess	VERB
gujaf-67	315	9	the	the	DET
gujaf-67	315	10	health	health	NOUN
gujaf-67	315	11	of	of	ADP
gujaf-67	315	12	the	the	DET
gujaf-67	315	13	financial	financial	ADJ
gujaf-67	315	14	system	system	NOUN
gujaf-67	315	15	:	:	PUNCT
gujaf-67	315	16	evidence	evidence	NOUN
gujaf-67	315	17	from	from	ADP
gujaf-67	315	18	arab	arab	ADJ
gujaf-67	315	19	banking	banking	NOUN
gujaf-67	315	20	.	.	PUNCT
gujaf-67	316	1	proceedings	proceeding	NOUN
gujaf-67	316	2	of	of	ADP
gujaf-67	316	3	10th	10th	ADJ
gujaf-67	316	4	annual	annual	ADJ
gujaf-67	316	5	london	london	PROPN
gujaf-67	316	6	business	business	NOUN
gujaf-67	316	7	research	research	PROPN
gujaf-67	316	8	conference	conference	NOUN
gujaf-67	316	9	10	10	NUM
gujaf-67	316	10	-	-	SYM
gujaf-67	316	11	11	11	NUM
gujaf-67	316	12	august	august	PROPN
gujaf-67	316	13	,	,	PUNCT
gujaf-67	316	14	imperial	imperial	ADJ
gujaf-67	316	15	college	college	NOUN
gujaf-67	316	16	,	,	PUNCT
gujaf-67	316	17	london	london	PROPN
gujaf-67	316	18	.	.	PUNCT
gujaf-67	317	1	asian	asian	PROPN
gujaf-67	317	2	development	development	PROPN
gujaf-67	317	3	bank	bank	PROPN
gujaf-67	317	4	(	(	PUNCT
gujaf-67	317	5	2015	2015	NUM
gujaf-67	317	6	)	)	PUNCT
gujaf-67	317	7	.	.	PUNCT
gujaf-67	318	1	financial	financial	ADJ
gujaf-67	318	2	soundness	soundness	NOUN
gujaf-67	318	3	indicators	indicator	NOUN
gujaf-67	318	4	for	for	ADP
gujaf-67	318	5	financial	financial	ADJ
gujaf-67	318	6	sector	sector	NOUN
gujaf-67	318	7	stability	stability	NOUN
gujaf-67	318	8	in	in	ADP
gujaf-67	318	9	bangladesh	bangladesh	PROPN
gujaf-67	318	10	.	.	PUNCT
gujaf-67	319	1	asian	asian	PROPN
gujaf-67	319	2	development	development	PROPN
gujaf-67	319	3	bank	bank	PROPN
gujaf-67	319	4	publishing	publishing	PROPN
gujaf-67	319	5	company	company	NOUN
gujaf-67	319	6	.	.	PUNCT
gujaf-67	320	1	aspal	aspal	PROPN
gujaf-67	320	2	,	,	PUNCT
gujaf-67	320	3	p.	p.	PROPN
gujaf-67	320	4	k.	k.	PROPN
gujaf-67	320	5	&	&	CCONJ
gujaf-67	320	6	dhawan	dhawan	PROPN
gujaf-67	320	7	,	,	PUNCT
gujaf-67	320	8	s.	s.	PROPN
gujaf-67	320	9	(	(	PUNCT
gujaf-67	320	10	2016	2016	NUM
gujaf-67	320	11	)	)	PUNCT
gujaf-67	320	12	.	.	PUNCT
gujaf-67	321	1	camels	camel	NOUN
gujaf-67	321	2	rating	rating	NOUN
gujaf-67	321	3	model	model	NOUN
gujaf-67	321	4	for	for	ADP
gujaf-67	321	5	evaluating	evaluate	VERB
gujaf-67	321	6	financial	financial	ADJ
gujaf-67	321	7	performance	performance	NOUN
gujaf-67	321	8	of	of	ADP
gujaf-67	321	9	the	the	DET
gujaf-67	321	10	banking	banking	NOUN
gujaf-67	321	11	sector	sector	NOUN
gujaf-67	321	12	:	:	PUNCT
gujaf-67	321	13	a	a	DET
gujaf-67	321	14	theoretical	theoretical	ADJ
gujaf-67	321	15	perspective	perspective	NOUN
gujaf-67	321	16	.	.	PUNCT
gujaf-67	322	1	international	international	ADJ
gujaf-67	322	2	journal	journal	NOUN
gujaf-67	322	3	of	of	ADP
gujaf-67	322	4	system	system	NOUN
gujaf-67	322	5	modelling	modelling	NOUN
gujaf-67	322	6	and	and	CCONJ
gujaf-67	322	7	simulation	simulation	NOUN
gujaf-67	322	8	,	,	PUNCT
gujaf-67	322	9	1(3	1(3	NUM
gujaf-67	322	10	):	):	PUNCT
gujaf-67	322	11	10	10	NUM
gujaf-67	322	12	-	-	SYM
gujaf-67	322	13	15	15	NUM
gujaf-67	322	14	.	.	PUNCT
gujaf-67	323	1	babihuga	babihuga	NOUN
gujaf-67	323	2	,	,	PUNCT
gujaf-67	323	3	r.	r.	PROPN
gujaf-67	323	4	(	(	PUNCT
gujaf-67	323	5	2007	2007	NUM
gujaf-67	323	6	)	)	PUNCT
gujaf-67	323	7	.	.	PUNCT
gujaf-67	324	1	macroeconomic	macroeconomic	ADJ
gujaf-67	324	2	and	and	CCONJ
gujaf-67	324	3	financial	financial	ADJ
gujaf-67	324	4	soundness	soundness	NOUN
gujaf-67	324	5	indicators	indicator	NOUN
gujaf-67	324	6	:	:	PUNCT
gujaf-67	324	7	an	an	DET
gujaf-67	324	8	empirical	empirical	ADJ
gujaf-67	324	9	investigation	investigation	NOUN
gujaf-67	324	10	.	.	PUNCT
gujaf-67	325	1	imf	imf	PROPN
gujaf-67	325	2	working	working	PROPN
gujaf-67	325	3	paper	paper	NOUN
gujaf-67	325	4	,	,	PUNCT
gujaf-67	325	5	wp/07/115	wp/07/115	PROPN
gujaf-67	325	6	.	.	PUNCT
gujaf-67	326	1	banya	banya	PROPN
gujaf-67	326	2	,	,	PUNCT
gujaf-67	326	3	r.	r.	PROPN
gujaf-67	326	4	&	&	CCONJ
gujaf-67	326	5	biekpe	biekpe	PROPN
gujaf-67	326	6	,	,	PUNCT
gujaf-67	326	7	n.	n.	NOUN
gujaf-67	326	8	(	(	PUNCT
gujaf-67	326	9	2018	2018	NUM
gujaf-67	326	10	)	)	PUNCT
gujaf-67	326	11	.	.	PUNCT
gujaf-67	327	1	banking	banking	NOUN
gujaf-67	327	2	efficiency	efficiency	NOUN
gujaf-67	327	3	and	and	CCONJ
gujaf-67	327	4	its	its	PRON
gujaf-67	327	5	determinants	determinant	NOUN
gujaf-67	327	6	in	in	ADP
gujaf-67	327	7	selected	select	VERB
gujaf-67	327	8	frontier	frontier	NOUN
gujaf-67	327	9	african	african	ADJ
gujaf-67	327	10	markets	market	NOUN
gujaf-67	327	11	.	.	PUNCT
gujaf-67	328	1	economic	economic	ADJ
gujaf-67	328	2	change	change	NOUN
gujaf-67	328	3	and	and	CCONJ
gujaf-67	328	4	restructuring	restructuring	NOUN
gujaf-67	328	5	,	,	PUNCT
gujaf-67	328	6	51	51	NUM
gujaf-67	328	7	:	:	PUNCT
gujaf-67	328	8	69–95	69–95	NUM
gujaf-67	328	9	.	.	PUNCT
gujaf-67	329	1	batir	batir	PROPN
gujaf-67	329	2	,	,	PUNCT
gujaf-67	329	3	t.	t.	PROPN
gujaf-67	329	4	e.	e.	PROPN
gujaf-67	329	5	,	,	PUNCT
gujaf-67	329	6	volkman	volkman	PROPN
gujaf-67	329	7	,	,	PUNCT
gujaf-67	329	8	d.	d.	PROPN
gujaf-67	329	9	a.	a.	PROPN
gujaf-67	329	10	&	&	CCONJ
gujaf-67	329	11	gungor	gungor	PROPN
gujaf-67	329	12	,	,	PUNCT
gujaf-67	329	13	b.	b.	PROPN
gujaf-67	329	14	(	(	PUNCT
gujaf-67	329	15	2017	2017	NUM
gujaf-67	329	16	)	)	PUNCT
gujaf-67	329	17	.	.	PUNCT
gujaf-67	330	1	determinants	determinant	NOUN
gujaf-67	330	2	of	of	ADP
gujaf-67	330	3	bank	bank	NOUN
gujaf-67	330	4	efficiency	efficiency	NOUN
gujaf-67	330	5	in	in	ADP
gujaf-67	330	6	turkey	turkey	NOUN
gujaf-67	330	7	:	:	PUNCT
gujaf-67	330	8	participation	participation	NOUN
gujaf-67	330	9	banks	bank	NOUN
gujaf-67	330	10	versus	versus	ADP
gujaf-67	330	11	conventional	conventional	ADJ
gujaf-67	330	12	banks	bank	NOUN
gujaf-67	330	13	.	.	PUNCT
gujaf-67	331	1	borsa	borsa	PROPN
gujaf-67	331	2	intanbul	intanbul	PROPN
gujaf-67	331	3	review	review	PROPN
gujaf-67	331	4	,	,	PUNCT
gujaf-67	331	5	17(2	17(2	NUM
gujaf-67	331	6	):	):	PUNCT
gujaf-67	331	7	86	86	NUM
gujaf-67	331	8	-	-	SYM
gujaf-67	331	9	96	96	NUM
gujaf-67	331	10	.	.	PUNCT
gujaf-67	332	1	chang	chang	PROPN
gujaf-67	332	2	,	,	PUNCT
gujaf-67	332	3	y.	y.	PROPN
gujaf-67	332	4	(	(	PUNCT
gujaf-67	332	5	2016	2016	NUM
gujaf-67	332	6	)	)	PUNCT
gujaf-67	332	7	.	.	PUNCT
gujaf-67	333	1	financial	financial	ADJ
gujaf-67	333	2	soundness	soundness	NOUN
gujaf-67	333	3	indicator	indicator	NOUN
gujaf-67	333	4	,	,	PUNCT
gujaf-67	333	5	financial	financial	ADJ
gujaf-67	333	6	cycle	cycle	NOUN
gujaf-67	333	7	,	,	PUNCT
gujaf-67	333	8	credit	credit	NOUN
gujaf-67	333	9	cycle	cycle	NOUN
gujaf-67	333	10	and	and	CCONJ
gujaf-67	333	11	business	business	NOUN
gujaf-67	333	12	cycle	cycle	NOUN
gujaf-67	333	13	:	:	PUNCT
gujaf-67	333	14	evidence	evidence	NOUN
gujaf-67	333	15	from	from	ADP
gujaf-67	333	16	taiwan	taiwan	PROPN
gujaf-67	333	17	.	.	PUNCT
gujaf-67	334	1	international	international	ADJ
gujaf-67	334	2	journal	journal	PROPN
gujaf-67	334	3	of	of	ADP
gujaf-67	334	4	economics	economic	NOUN
gujaf-67	334	5	and	and	CCONJ
gujaf-67	334	6	finance	finance	NOUN
gujaf-67	334	7	,	,	PUNCT
gujaf-67	334	8	8(4	8(4	NUM
gujaf-67	334	9	):	):	PUNCT
gujaf-67	334	10	166	166	NUM
gujaf-67	334	11	-	-	SYM
gujaf-67	334	12	182	182	NUM
gujaf-67	334	13	.	.	PUNCT
gujaf-67	335	1	gusau	gusau	PROPN
gujaf-67	335	2	journal	journal	PROPN
gujaf-67	335	3	of	of	ADP
gujaf-67	335	4	accounting	accounting	NOUN
gujaf-67	335	5	and	and	CCONJ
gujaf-67	335	6	finance	finance	NOUN
gujaf-67	335	7	,	,	PUNCT
gujaf-67	335	8	vol	vol	NOUN
gujaf-67	335	9	.	.	PROPN
gujaf-67	335	10	2	2	NUM
gujaf-67	335	11	,	,	PUNCT
gujaf-67	335	12	issue	issue	NOUN
gujaf-67	335	13	2	2	NUM
gujaf-67	335	14	,	,	PUNCT
gujaf-67	335	15	april	april	PROPN
gujaf-67	335	16	,	,	PUNCT
gujaf-67	335	17	2021	2021	NUM
gujaf-67	335	18	15	15	NUM
gujaf-67	335	19	che	che	NOUN
gujaf-67	335	20	,	,	PUNCT
gujaf-67	335	21	n.	n.	PROPN
gujaf-67	335	22	x.	x.	PROPN
gujaf-67	335	23	&	&	CCONJ
gujaf-67	335	24	shinagawa	shinagawa	PROPN
gujaf-67	335	25	,	,	PUNCT
gujaf-67	335	26	y.	y.	PROPN
gujaf-67	335	27	(	(	PUNCT
gujaf-67	335	28	2014	2014	NUM
gujaf-67	335	29	)	)	PUNCT
gujaf-67	335	30	.	.	PUNCT
gujaf-67	336	1	financial	financial	ADJ
gujaf-67	336	2	soundness	soundness	NOUN
gujaf-67	336	3	indicators	indicator	NOUN
gujaf-67	336	4	and	and	CCONJ
gujaf-67	336	5	the	the	DET
gujaf-67	336	6	characteristics	characteristic	NOUN
gujaf-67	336	7	of	of	ADP
gujaf-67	336	8	financial	financial	ADJ
gujaf-67	336	9	cycles	cycle	NOUN
gujaf-67	336	10	.	.	PUNCT
gujaf-67	337	1	imf	imf	PROPN
gujaf-67	337	2	working	working	PROPN
gujaf-67	337	3	paper	paper	NOUN
gujaf-67	337	4	,	,	PUNCT
gujaf-67	337	5	wp/14/14	wp/14/14	PROPN
gujaf-67	337	6	.	.	PUNCT
gujaf-67	338	1	demyanyk	demyanyk	PROPN
gujaf-67	338	2	,	,	PUNCT
gujaf-67	338	3	y.	y.	PROPN
gujaf-67	338	4	&	&	CCONJ
gujaf-67	338	5	iftekhar	iftekhar	PROPN
gujaf-67	338	6	,	,	PUNCT
gujaf-67	338	7	h.	h.	PROPN
gujaf-67	338	8	(	(	PUNCT
gujaf-67	338	9	2009	2009	NUM
gujaf-67	338	10	)	)	PUNCT
gujaf-67	338	11	.	.	PUNCT
gujaf-67	339	1	financial	financial	ADJ
gujaf-67	339	2	crises	crisis	NOUN
gujaf-67	339	3	and	and	CCONJ
gujaf-67	339	4	bank	bank	NOUN
gujaf-67	339	5	failures	failure	NOUN
gujaf-67	339	6	:	:	PUNCT
gujaf-67	339	7	a	a	DET
gujaf-67	339	8	review	review	NOUN
gujaf-67	339	9	of	of	ADP
gujaf-67	339	10	prediction	prediction	NOUN
gujaf-67	339	11	methods	method	NOUN
gujaf-67	339	12	.	.	PUNCT
gujaf-67	340	1	fed	fed	PROPN
gujaf-67	340	2	of	of	ADP
gujaf-67	340	3	cleveland	cleveland	PROPN
gujaf-67	340	4	,	,	PUNCT
gujaf-67	340	5	working	work	VERB
gujaf-67	340	6	paper	paper	NOUN
gujaf-67	340	7	0904	0904	NUM
gujaf-67	340	8	.	.	PUNCT
gujaf-67	341	1	ehimare	ehimare	NOUN
gujaf-67	341	2	,	,	PUNCT
gujaf-67	341	3	o.	o.	NOUN
gujaf-67	341	4	a.	a.	PROPN
gujaf-67	341	5	(	(	PUNCT
gujaf-67	341	6	2013	2013	NUM
gujaf-67	341	7	)	)	PUNCT
gujaf-67	341	8	.	.	PUNCT
gujaf-67	342	1	nigerian	nigerian	ADJ
gujaf-67	342	2	banks	bank	NOUN
gujaf-67	342	3	’	’	PART
gujaf-67	342	4	efficiency	efficiency	NOUN
gujaf-67	342	5	performance	performance	NOUN
gujaf-67	342	6	:	:	PUNCT
gujaf-67	342	7	a	a	DET
gujaf-67	342	8	post	post	NOUN
gujaf-67	342	9	2004	2004	NUM
gujaf-67	342	10	banking	banking	NOUN
gujaf-67	342	11	reforms	reform	NOUN
gujaf-67	342	12	evaluation	evaluation	NOUN
gujaf-67	342	13	.	.	PUNCT
gujaf-67	343	1	thesis	thesis	NOUN
gujaf-67	343	2	submitted	submit	VERB
gujaf-67	343	3	to	to	ADP
gujaf-67	343	4	the	the	DET
gujaf-67	343	5	department	department	NOUN
gujaf-67	343	6	of	of	ADP
gujaf-67	343	7	banking	banking	NOUN
gujaf-67	343	8	and	and	CCONJ
gujaf-67	343	9	finance	finance	NOUN
gujaf-67	343	10	in	in	ADP
gujaf-67	343	11	partial	partial	ADJ
gujaf-67	343	12	fulfilment	fulfilment	NOUN
gujaf-67	343	13	of	of	ADP
gujaf-67	343	14	the	the	DET
gujaf-67	343	15	requirements	requirement	NOUN
gujaf-67	343	16	for	for	ADP
gujaf-67	343	17	the	the	DET
gujaf-67	343	18	award	award	NOUN
gujaf-67	343	19	of	of	ADP
gujaf-67	343	20	doctor	doctor	NOUN
gujaf-67	343	21	of	of	ADP
gujaf-67	343	22	philosophy	philosophy	NOUN
gujaf-67	343	23	degree	degree	NOUN
gujaf-67	343	24	in	in	ADP
gujaf-67	343	25	banking	banking	NOUN
gujaf-67	343	26	and	and	CCONJ
gujaf-67	343	27	finance	finance	NOUN
gujaf-67	343	28	,	,	PUNCT
gujaf-67	343	29	covenant	covenant	ADJ
gujaf-67	343	30	university	university	PROPN
gujaf-67	343	31	,	,	PUNCT
gujaf-67	343	32	ota	ota	PROPN
gujaf-67	343	33	,	,	PUNCT
gujaf-67	343	34	ogun	ogun	PROPN
gujaf-67	343	35	state	state	PROPN
gujaf-67	343	36	.	.	PUNCT
gujaf-67	344	1	fapohunda	fapohunda	PROPN
gujaf-67	344	2	,	,	PUNCT
gujaf-67	344	3	f.	f.	PROPN
gujaf-67	344	4	m.	m.	PROPN
gujaf-67	344	5	&	&	CCONJ
gujaf-67	344	6	eragbhe	eragbhe	PROPN
gujaf-67	344	7	,	,	PUNCT
gujaf-67	344	8	e.	e.	PROPN
gujaf-67	344	9	(	(	PUNCT
gujaf-67	344	10	2017	2017	NUM
gujaf-67	344	11	)	)	PUNCT
gujaf-67	344	12	.	.	PUNCT
gujaf-67	345	1	regulation	regulation	NOUN
gujaf-67	345	2	,	,	PUNCT
gujaf-67	345	3	financial	financial	ADJ
gujaf-67	345	4	development	development	NOUN
gujaf-67	345	5	,	,	PUNCT
gujaf-67	345	6	financial	financial	ADJ
gujaf-67	345	7	soundness	soundness	NOUN
gujaf-67	345	8	and	and	CCONJ
gujaf-67	345	9	banks	bank	NOUN
gujaf-67	345	10	performance	performance	NOUN
gujaf-67	345	11	in	in	ADP
gujaf-67	345	12	nigeria	nigeria	PROPN
gujaf-67	345	13	.	.	PUNCT
gujaf-67	346	1	journal	journal	PROPN
gujaf-67	346	2	of	of	ADP
gujaf-67	346	3	finance	finance	NOUN
gujaf-67	346	4	and	and	CCONJ
gujaf-67	346	5	accounting	accounting	NOUN
gujaf-67	346	6	,	,	PUNCT
gujaf-67	346	7	5(3	5(3	NUM
gujaf-67	346	8	):	):	PUNCT
gujaf-67	346	9	88	88	NUM
gujaf-67	346	10	-	-	SYM
gujaf-67	346	11	92	92	NUM
gujaf-67	346	12	.	.	PUNCT
gujaf-67	347	1	federal	federal	ADJ
gujaf-67	347	2	deposit	deposit	NOUN
gujaf-67	347	3	insurance	insurance	NOUN
gujaf-67	347	4	corporation	corporation	NOUN
gujaf-67	347	5	fdic	fdic	PROPN
gujaf-67	347	6	(	(	PUNCT
gujaf-67	347	7	2019	2019	NUM
gujaf-67	347	8	):	):	PUNCT
gujaf-67	347	9	risk	risk	NOUN
gujaf-67	347	10	management	management	NOUN
gujaf-67	347	11	manual	manual	NOUN
gujaf-67	347	12	of	of	ADP
gujaf-67	347	13	examination	examination	NOUN
gujaf-67	347	14	policies	policy	NOUN
gujaf-67	347	15	.	.	PUNCT
gujaf-67	348	1	http://www.fdic.gov/regulations/safety/manual/section2-1.html	http://www.fdic.gov/regulations/safety/manual/section2-1.html	PROPN
gujaf-67	348	2	greene	greene	PROPN
gujaf-67	348	3	,	,	PUNCT
gujaf-67	348	4	w.	w.	PROPN
gujaf-67	348	5	h.	h.	PROPN
gujaf-67	348	6	(	(	PUNCT
gujaf-67	348	7	2012	2012	NUM
gujaf-67	348	8	)	)	PUNCT
gujaf-67	348	9	.	.	PUNCT
gujaf-67	349	1	econometric	econometric	ADJ
gujaf-67	349	2	analysis	analysis	NOUN
gujaf-67	349	3	.	.	PUNCT
gujaf-67	350	1	7	7	NUM
gujaf-67	350	2	th	th	NUM
gujaf-67	350	3	edition	edition	NOUN
gujaf-67	350	4	.	.	PUNCT
gujaf-67	351	1	pearson	pearson	PROPN
gujaf-67	351	2	education	education	PROPN
gujaf-67	351	3	publishing	publishing	PROPN
gujaf-67	351	4	limited	limit	VERB
gujaf-67	351	5	,	,	PUNCT
gujaf-67	351	6	england	england	PROPN
gujaf-67	351	7	.	.	PUNCT
gujaf-67	352	1	habib	habib	PROPN
gujaf-67	352	2	,	,	PUNCT
gujaf-67	352	3	y.	y.	PROPN
gujaf-67	352	4	,	,	PUNCT
gujaf-67	352	5	altan	altan	PROPN
gujaf-67	352	6	,	,	PUNCT
gujaf-67	352	7	m.	m.	NOUN
gujaf-67	352	8	,	,	PUNCT
gujaf-67	352	9	&	&	CCONJ
gujaf-67	352	10	bedük	bedük	NOUN
gujaf-67	352	11	,	,	PUNCT
gujaf-67	352	12	a.	a.	NOUN
gujaf-67	352	13	(	(	PUNCT
gujaf-67	352	14	2014	2014	NUM
gujaf-67	352	15	)	)	PUNCT
gujaf-67	352	16	.	.	PUNCT
gujaf-67	353	1	performance	performance	NOUN
gujaf-67	353	2	analysis	analysis	NOUN
gujaf-67	353	3	of	of	ADP
gujaf-67	353	4	banks	bank	NOUN
gujaf-67	353	5	in	in	ADP
gujaf-67	353	6	turkey	turkey	NOUN
gujaf-67	353	7	using	use	VERB
gujaf-67	353	8	camel	camel	NOUN
gujaf-67	353	9	approach	approach	NOUN
gujaf-67	353	10	.	.	PUNCT
gujaf-67	354	1	proceedings	proceeding	NOUN
gujaf-67	354	2	of	of	ADP
gujaf-67	354	3	international	international	ADJ
gujaf-67	354	4	academic	academic	ADJ
gujaf-67	354	5	conferences	conference	NOUN
gujaf-67	354	6	,	,	PUNCT
gujaf-67	354	7	international	international	PROPN
gujaf-67	354	8	institute	institute	PROPN
gujaf-67	354	9	of	of	ADP
gujaf-67	354	10	social	social	ADJ
gujaf-67	354	11	and	and	CCONJ
gujaf-67	354	12	economic	economic	ADJ
gujaf-67	354	13	sciences.https://ideas.repec.org/p/sek/iacpro/0902916.html	sciences.https://ideas.repec.org/p/sek/iacpro/0902916.html	PROPN
gujaf-67	354	14	idris	idris	PROPN
gujaf-67	354	15	,	,	PUNCT
gujaf-67	354	16	f.	f.	PROPN
gujaf-67	354	17	(	(	PUNCT
gujaf-67	354	18	2010	2010	NUM
gujaf-67	354	19	)	)	PUNCT
gujaf-67	354	20	.	.	PUNCT
gujaf-67	355	1	predicting	predict	VERB
gujaf-67	355	2	bank	bank	NOUN
gujaf-67	355	3	financial	financial	ADJ
gujaf-67	355	4	conditions	condition	NOUN
gujaf-67	355	5	using	use	VERB
gujaf-67	355	6	a	a	DET
gujaf-67	355	7	logit	logit	NOUN
gujaf-67	355	8	regression	regression	NOUN
gujaf-67	355	9	approach	approach	NOUN
gujaf-67	355	10	:	:	PUNCT
gujaf-67	355	11	empirical	empirical	ADJ
gujaf-67	355	12	evidence	evidence	NOUN
gujaf-67	355	13	from	from	ADP
gujaf-67	355	14	malaysia	malaysia	PROPN
gujaf-67	355	15	.	.	PUNCT
gujaf-67	356	1	interdisciplinary	interdisciplinary	ADJ
gujaf-67	356	2	journal	journal	PROPN
gujaf-67	356	3	of	of	ADP
gujaf-67	356	4	contemporary	contemporary	ADJ
gujaf-67	356	5	research	research	NOUN
gujaf-67	356	6	in	in	ADP
gujaf-67	356	7	business	business	NOUN
gujaf-67	356	8	,	,	PUNCT
gujaf-67	356	9	1(12	1(12	NUM
gujaf-67	356	10	):	):	PUNCT
gujaf-67	356	11	179	179	NUM
gujaf-67	356	12	-	-	SYM
gujaf-67	356	13	197	197	NUM
gujaf-67	356	14	.	.	PUNCT
gujaf-67	357	1	ini	ini	PROPN
gujaf-67	357	2	,	,	PUNCT
gujaf-67	357	3	s.	s.	PROPN
gujaf-67	357	4	u.	u.	PROPN
gujaf-67	357	5	,	,	PUNCT
gujaf-67	357	6	onwe	onwe	PROPN
gujaf-67	357	7	,	,	PUNCT
gujaf-67	357	8	b.	b.	PROPN
gujaf-67	357	9	u.	u.	PROPN
gujaf-67	357	10	&	&	CCONJ
gujaf-67	357	11	eze	eze	PROPN
gujaf-67	357	12	,	,	PUNCT
gujaf-67	357	13	o.	o.	PROPN
gujaf-67	357	14	r.	r.	PROPN
gujaf-67	357	15	(	(	PUNCT
gujaf-67	357	16	2015	2015	NUM
gujaf-67	357	17	)	)	PUNCT
gujaf-67	357	18	.	.	PUNCT
gujaf-67	358	1	the	the	DET
gujaf-67	358	2	relationship	relationship	NOUN
gujaf-67	358	3	between	between	ADP
gujaf-67	358	4	financial	financial	ADJ
gujaf-67	358	5	soundness	soundness	NOUN
gujaf-67	358	6	indicators	indicator	NOUN
gujaf-67	358	7	and	and	CCONJ
gujaf-67	358	8	financial	financial	ADJ
gujaf-67	358	9	stability	stability	NOUN
gujaf-67	358	10	in	in	ADP
gujaf-67	358	11	nigeria	nigeria	PROPN
gujaf-67	358	12	.	.	PUNCT
gujaf-67	359	1	journal	journal	PROPN
gujaf-67	359	2	of	of	ADP
gujaf-67	359	3	money	money	NOUN
gujaf-67	359	4	,	,	PUNCT
gujaf-67	359	5	investment	investment	NOUN
gujaf-67	359	6	and	and	CCONJ
gujaf-67	359	7	banking	banking	NOUN
gujaf-67	359	8	,	,	PUNCT
gujaf-67	359	9	30	30	NUM
gujaf-67	359	10	:	:	PUNCT
gujaf-67	359	11	110	110	NUM
gujaf-67	359	12	-	-	SYM
gujaf-67	359	13	121	121	NUM
gujaf-67	359	14	.	.	PUNCT
gujaf-67	360	1	international	international	ADJ
gujaf-67	360	2	monetary	monetary	ADJ
gujaf-67	360	3	fund	fund	NOUN
gujaf-67	360	4	imf	imf	PROPN
gujaf-67	360	5	(	(	PUNCT
gujaf-67	360	6	2006	2006	NUM
gujaf-67	360	7	)	)	PUNCT
gujaf-67	360	8	.	.	PUNCT
gujaf-67	361	1	financial	financial	ADJ
gujaf-67	361	2	soundness	soundness	NOUN
gujaf-67	361	3	indicators	indicator	NOUN
gujaf-67	361	4	compilation	compilation	NOUN
gujaf-67	361	5	guide	guide	NOUN
gujaf-67	361	6	.	.	PUNCT
gujaf-67	362	1	international	international	ADJ
gujaf-67	362	2	monetary	monetary	ADJ
gujaf-67	362	3	fund	fund	NOUN
gujaf-67	362	4	publication	publication	NOUN
gujaf-67	362	5	services	services	PROPN
gujaf-67	362	6	,	,	PUNCT
gujaf-67	362	7	washington	washington	PROPN
gujaf-67	362	8	,	,	PUNCT
gujaf-67	362	9	d.c	d.c	PROPN
gujaf-67	362	10	.	.	PROPN
gujaf-67	362	11	jesuwunmi	jesuwunmi	PROPN
gujaf-67	362	12	,	,	PUNCT
gujaf-67	362	13	c.	c.	PROPN
gujaf-67	362	14	a.	a.	PROPN
gujaf-67	362	15	d.	d.	PROPN
gujaf-67	362	16	,	,	PUNCT
gujaf-67	362	17	nzewi	nzewi	VERB
gujaf-67	362	18	,	,	PUNCT
gujaf-67	362	19	u.	u.	PROPN
gujaf-67	362	20	c.	c.	PROPN
gujaf-67	362	21	,	,	PUNCT
gujaf-67	362	22	adewoyin	adewoyin	PROPN
gujaf-67	362	23	,	,	PUNCT
gujaf-67	362	24	a.	a.	PROPN
gujaf-67	362	25	o.	o.	PROPN
gujaf-67	362	26	&	&	CCONJ
gujaf-67	362	27	agbadua	agbadua	PROPN
gujaf-67	362	28	,	,	PUNCT
gujaf-67	362	29	o.	o.	PROPN
gujaf-67	362	30	b.	b.	PROPN
gujaf-67	362	31	(	(	PUNCT
gujaf-67	362	32	2019	2019	NUM
gujaf-67	362	33	)	)	PUNCT
gujaf-67	362	34	.	.	PUNCT
gujaf-67	363	1	financial	financial	ADJ
gujaf-67	363	2	soundness	soundness	NOUN
gujaf-67	363	3	indicators	indicator	NOUN
gujaf-67	363	4	and	and	CCONJ
gujaf-67	363	5	nigeria	nigeria	PROPN
gujaf-67	363	6	deposit	deposit	VERB
gujaf-67	363	7	money	money	NOUN
gujaf-67	363	8	banks	bank	NOUN
gujaf-67	363	9	’	'	PUNCT
gujaf-67	363	10	performance	performance	NOUN
gujaf-67	363	11	.	.	PUNCT
gujaf-67	364	1	canadian	canadian	ADJ
gujaf-67	364	2	contemporary	contemporary	PROPN
gujaf-67	364	3	research	research	PROPN
gujaf-67	364	4	journal	journal	PROPN
gujaf-67	364	5	,	,	PUNCT
gujaf-67	364	6	2(1	2(1	NUM
gujaf-67	364	7	):	):	PUNCT
gujaf-67	364	8	79	79	NUM
gujaf-67	364	9	-	-	SYM
gujaf-67	364	10	120	120	NUM
gujaf-67	364	11	.	.	PUNCT
gujaf-67	365	1	kamarudina	kamarudina	PROPN
gujaf-67	365	2	,	,	PUNCT
gujaf-67	365	3	f.	f.	PROPN
gujaf-67	365	4	,	,	PUNCT
gujaf-67	365	5	sufian	sufian	PROPN
gujaf-67	365	6	,	,	PUNCT
gujaf-67	365	7	f.	f.	PROPN
gujaf-67	365	8	,	,	PUNCT
gujaf-67	365	9	loonga	loonga	PROPN
gujaf-67	365	10	,	,	PUNCT
gujaf-67	365	11	f.	f.	PROPN
gujaf-67	365	12	w.	w.	PROPN
gujaf-67	365	13	&	&	CCONJ
gujaf-67	365	14	anwar	anwar	PROPN
gujaf-67	365	15	,	,	PUNCT
gujaf-67	365	16	m.	m.	NOUN
gujaf-67	365	17	a.	a.	PROPN
gujaf-67	365	18	n.	n.	PROPN
gujaf-67	365	19	(	(	PUNCT
gujaf-67	365	20	2017	2017	NUM
gujaf-67	365	21	)	)	PUNCT
gujaf-67	365	22	.	.	PUNCT
gujaf-67	366	1	assessing	assess	VERB
gujaf-67	366	2	the	the	DET
gujaf-67	366	3	domestic	domestic	ADJ
gujaf-67	366	4	and	and	CCONJ
gujaf-67	366	5	foreign	foreign	ADJ
gujaf-67	366	6	islamic	islamic	ADJ
gujaf-67	366	7	banks	bank	NOUN
gujaf-67	366	8	efficiency	efficiency	NOUN
gujaf-67	366	9	:	:	PUNCT
gujaf-67	366	10	insights	insight	NOUN
gujaf-67	366	11	from	from	ADP
gujaf-67	366	12	selected	select	VERB
gujaf-67	366	13	southeast	southeast	ADJ
gujaf-67	366	14	asian	asian	ADJ
gujaf-67	366	15	countries	country	NOUN
gujaf-67	366	16	.	.	PUNCT
gujaf-67	367	1	future	future	ADJ
gujaf-67	367	2	business	business	NOUN
gujaf-67	367	3	journal	journal	NOUN
gujaf-67	367	4	,	,	PUNCT
gujaf-67	367	5	3(2	3(2	NUM
gujaf-67	367	6	):	):	PUNCT
gujaf-67	367	7	33	33	NUM
gujaf-67	367	8	-	-	SYM
gujaf-67	367	9	46	46	NUM
gujaf-67	367	10	.	.	PUNCT
gujaf-67	368	1	kasselaki	kasselaki	PROPN
gujaf-67	368	2	,	,	PUNCT
gujaf-67	368	3	t.	t.	PROPN
gujaf-67	368	4	m.	m.	PROPN
gujaf-67	368	5	&	&	CCONJ
gujaf-67	368	6	tagkalakis	tagkalakis	PROPN
gujaf-67	368	7	,	,	PUNCT
gujaf-67	368	8	a.	a.	NOUN
gujaf-67	368	9	o.	o.	PROPN
gujaf-67	368	10	(	(	PUNCT
gujaf-67	368	11	2013	2013	NUM
gujaf-67	368	12	)	)	PUNCT
gujaf-67	368	13	.	.	PUNCT
gujaf-67	369	1	financial	financial	ADJ
gujaf-67	369	2	soundness	soundness	NOUN
gujaf-67	369	3	indicators	indicator	NOUN
gujaf-67	369	4	and	and	CCONJ
gujaf-67	369	5	financial	financial	ADJ
gujaf-67	369	6	crisis	crisis	NOUN
gujaf-67	369	7	episodes	episode	NOUN
gujaf-67	369	8	.	.	PUNCT
gujaf-67	370	1	bank	bank	PROPN
gujaf-67	370	2	of	of	ADP
gujaf-67	370	3	greece	greece	PROPN
gujaf-67	370	4	working	working	PROPN
gujaf-67	370	5	paper	paper	NOUN
gujaf-67	370	6	,	,	PUNCT
gujaf-67	370	7	158	158	NUM
gujaf-67	370	8	.	.	PUNCT
gujaf-67	370	9	lotto	lotto	NOUN
gujaf-67	370	10	,	,	PUNCT
gujaf-67	370	11	j.	j.	PROPN
gujaf-67	370	12	&	&	CCONJ
gujaf-67	370	13	papavassiliou	papavassiliou	PROPN
gujaf-67	370	14	,	,	PUNCT
gujaf-67	370	15	v.	v.	CCONJ
gujaf-67	370	16	(	(	PUNCT
gujaf-67	370	17	2019	2019	NUM
gujaf-67	370	18	)	)	PUNCT
gujaf-67	370	19	.	.	PUNCT
gujaf-67	371	1	evaluation	evaluation	NOUN
gujaf-67	371	2	of	of	ADP
gujaf-67	371	3	factors	factor	NOUN
gujaf-67	371	4	influencing	influence	VERB
gujaf-67	371	5	bank	bank	NOUN
gujaf-67	371	6	operating	operating	NOUN
gujaf-67	371	7	efficiency	efficiency	NOUN
gujaf-67	371	8	in	in	ADP
gujaf-67	371	9	tanzanian	tanzanian	ADJ
gujaf-67	371	10	banking	banking	NOUN
gujaf-67	371	11	sector.cogent	sector.cogent	PROPN
gujaf-67	371	12	economics	economic	NOUN
gujaf-67	371	13	and	and	CCONJ
gujaf-67	371	14	finance	finance	NOUN
gujaf-67	371	15	,	,	PUNCT
gujaf-67	371	16	7(1	7(1	NUM
gujaf-67	371	17	):	):	PUNCT
gujaf-67	371	18	1	1	NUM
gujaf-67	371	19	-	-	SYM
gujaf-67	371	20	14	14	NUM
gujaf-67	371	21	.	.	PUNCT
gujaf-67	372	1	masud	masud	PROPN
gujaf-67	372	2	,	,	PUNCT
gujaf-67	372	3	a.	a.	PROPN
gujaf-67	372	4	k.	k.	PROPN
gujaf-67	372	5	&	&	CCONJ
gujaf-67	372	6	haq	haq	PROPN
gujaf-67	372	7	,	,	PUNCT
gujaf-67	372	8	m.	m.	NOUN
gujaf-67	372	9	(	(	PUNCT
gujaf-67	372	10	2016	2016	NUM
gujaf-67	372	11	)	)	PUNCT
gujaf-67	372	12	.	.	PUNCT
gujaf-67	373	1	financial	financial	ADJ
gujaf-67	373	2	soundness	soundness	NOUN
gujaf-67	373	3	measurement	measurement	NOUN
gujaf-67	373	4	and	and	CCONJ
gujaf-67	373	5	trend	trend	NOUN
gujaf-67	373	6	analysis	analysis	NOUN
gujaf-67	373	7	of	of	ADP
gujaf-67	373	8	commercial	commercial	ADJ
gujaf-67	373	9	banks	bank	NOUN
gujaf-67	373	10	in	in	ADP
gujaf-67	373	11	bangladesh	bangladesh	NOUN
gujaf-67	373	12	:	:	PUNCT
gujaf-67	373	13	an	an	DET
gujaf-67	373	14	observation	observation	NOUN
gujaf-67	373	15	of	of	ADP
gujaf-67	373	16	selected	select	VERB
gujaf-67	373	17	banks	bank	NOUN
gujaf-67	373	18	.	.	PUNCT
gujaf-67	374	1	european	european	PROPN
gujaf-67	374	2	journal	journal	PROPN
gujaf-67	374	3	of	of	ADP
gujaf-67	374	4	business	business	NOUN
gujaf-67	374	5	and	and	CCONJ
gujaf-67	374	6	social	social	ADJ
gujaf-67	374	7	sciences	science	NOUN
gujaf-67	374	8	,	,	PUNCT
gujaf-67	374	9	4(10	4(10	NUM
gujaf-67	374	10	):	):	PUNCT
gujaf-67	374	11	159	159	NUM
gujaf-67	374	12	-	-	SYM
gujaf-67	374	13	184	184	NUM
gujaf-67	374	14	.	.	PUNCT
gujaf-67	375	1	miah	miah	PROPN
gujaf-67	375	2	,	,	PUNCT
gujaf-67	375	3	m.	m.	PROPN
gujaf-67	375	4	d.	d.	PROPN
gujaf-67	375	5	&	&	CCONJ
gujaf-67	375	6	uddin	uddin	PROPN
gujaf-67	375	7	,	,	PUNCT
gujaf-67	375	8	h.	h.	PROPN
gujaf-67	375	9	(	(	PUNCT
gujaf-67	375	10	2017	2017	NUM
gujaf-67	375	11	)	)	PUNCT
gujaf-67	375	12	.	.	PUNCT
gujaf-67	376	1	efficiency	efficiency	NOUN
gujaf-67	376	2	and	and	CCONJ
gujaf-67	376	3	stability	stability	NOUN
gujaf-67	376	4	:	:	PUNCT
gujaf-67	376	5	a	a	DET
gujaf-67	376	6	comparative	comparative	ADJ
gujaf-67	376	7	study	study	NOUN
gujaf-67	376	8	between	between	ADP
gujaf-67	376	9	islamic	islamic	ADJ
gujaf-67	376	10	and	and	CCONJ
gujaf-67	376	11	conventional	conventional	ADJ
gujaf-67	376	12	banks	bank	NOUN
gujaf-67	376	13	in	in	ADP
gujaf-67	376	14	gcc	gcc	NOUN
gujaf-67	376	15	countries	country	NOUN
gujaf-67	376	16	.	.	PUNCT
gujaf-67	377	1	future	future	ADJ
gujaf-67	377	2	business	business	NOUN
gujaf-67	377	3	journal	journal	NOUN
gujaf-67	377	4	,	,	PUNCT
gujaf-67	377	5	3(2	3(2	NUM
gujaf-67	377	6	):	):	PUNCT
gujaf-67	377	7	172	172	NUM
gujaf-67	377	8	-	-	SYM
gujaf-67	377	9	185	185	NUM
gujaf-67	377	10	.	.	PUNCT
gujaf-67	378	1	muazaroh	muazaroh	NOUN
gujaf-67	378	2	,	,	PUNCT
gujaf-67	378	3	a.	a.	NOUN
gujaf-67	378	4	,	,	PUNCT
gujaf-67	378	5	eduardus	eduardus	NOUN
gujaf-67	378	6	,	,	PUNCT
gujaf-67	378	7	t.	t.	PROPN
gujaf-67	378	8	,	,	PUNCT
gujaf-67	378	9	husnan	husnan	PROPN
gujaf-67	378	10	,	,	PUNCT
gujaf-67	378	11	s.	s.	PROPN
gujaf-67	378	12	&	&	CCONJ
gujaf-67	378	13	hanafi	hanafi	PROPN
gujaf-67	378	14	,	,	PUNCT
gujaf-67	378	15	m.	m.	NOUN
gujaf-67	378	16	m.	m.	NOUN
gujaf-67	378	17	(	(	PUNCT
gujaf-67	378	18	2012	2012	NUM
gujaf-67	378	19	)	)	PUNCT
gujaf-67	378	20	.	.	PUNCT
gujaf-67	379	1	determinants	determinant	NOUN
gujaf-67	379	2	of	of	ADP
gujaf-67	379	3	bank	bank	NOUN
gujaf-67	379	4	profit	profit	NOUN
gujaf-67	379	5	efficiency	efficiency	NOUN
gujaf-67	379	6	:	:	PUNCT
gujaf-67	379	7	evidence	evidence	NOUN
gujaf-67	379	8	from	from	ADP
gujaf-67	379	9	indonesia	indonesia	PROPN
gujaf-67	379	10	.	.	PUNCT
gujaf-67	380	1	international	international	PROPN
gujaf-67	380	2	journal	journal	PROPN
gujaf-67	380	3	of	of	ADP
gujaf-67	380	4	economics	economic	NOUN
gujaf-67	380	5	and	and	CCONJ
gujaf-67	380	6	finance	finance	NOUN
gujaf-67	380	7	studies	study	NOUN
gujaf-67	380	8	,	,	PUNCT
gujaf-67	380	9	4(2	4(2	NUM
gujaf-67	380	10	):	):	PUNCT
gujaf-67	380	11	163	163	NUM
gujaf-67	380	12	-	-	SYM
gujaf-67	380	13	173	173	NUM
gujaf-67	380	14	.	.	PUNCT
gujaf-67	381	1	http://www.fdic.gov/regulations/safety/manual/section2-1.html	http://www.fdic.gov/regulations/safety/manual/section2-1.html	PROPN
gujaf-67	381	2	https://ideas.repec.org/p/sek/iacpro/0902916.html	https://ideas.repec.org/p/sek/iacpro/0902916.html	NOUN
gujaf-67	381	3	gusau	gusau	ADJ
gujaf-67	381	4	journal	journal	NOUN
gujaf-67	381	5	of	of	ADP
gujaf-67	381	6	accounting	accounting	NOUN
gujaf-67	381	7	and	and	CCONJ
gujaf-67	381	8	finance	finance	NOUN
gujaf-67	381	9	,	,	PUNCT
gujaf-67	381	10	vol	vol	NOUN
gujaf-67	381	11	.	.	PROPN
gujaf-67	381	12	2	2	NUM
gujaf-67	381	13	,	,	PUNCT
gujaf-67	381	14	issue	issue	NOUN
gujaf-67	381	15	2	2	NUM
gujaf-67	381	16	,	,	PUNCT
gujaf-67	381	17	april	april	PROPN
gujaf-67	381	18	,	,	PUNCT
gujaf-67	381	19	2021	2021	NUM
gujaf-67	381	20	16	16	NUM
gujaf-67	381	21	navajas	navajas	NOUN
gujaf-67	381	22	,	,	PUNCT
gujaf-67	381	23	m.	m.	PROPN
gujaf-67	381	24	c.	c.	PROPN
gujaf-67	381	25	&	&	CCONJ
gujaf-67	381	26	thegeya	thegeya	PROPN
gujaf-67	381	27	,	,	PUNCT
gujaf-67	381	28	a.	a.	NOUN
gujaf-67	381	29	(	(	PUNCT
gujaf-67	381	30	2013	2013	NUM
gujaf-67	381	31	)	)	PUNCT
gujaf-67	381	32	.	.	PUNCT
gujaf-67	382	1	financial	financial	ADJ
gujaf-67	382	2	soundness	soundness	NOUN
gujaf-67	382	3	indicators	indicator	NOUN
gujaf-67	382	4	and	and	CCONJ
gujaf-67	382	5	banking	banking	NOUN
gujaf-67	382	6	crises	crisis	NOUN
gujaf-67	382	7	.	.	PUNCT
gujaf-67	383	1	imf	imf	PROPN
gujaf-67	383	2	working	working	PROPN
gujaf-67	383	3	paper	paper	NOUN
gujaf-67	383	4	,	,	PUNCT
gujaf-67	383	5	wp/13/263	wp/13/263	PROPN
gujaf-67	383	6	.	.	PUNCT
gujaf-67	383	7	oyuntsatsral	oyuntsatsral	PROPN
gujaf-67	383	8	,	,	PUNCT
gujaf-67	383	9	z.	z.	PROPN
gujaf-67	383	10	&	&	CCONJ
gujaf-67	383	11	mukhzaya	mukhzaya	PROPN
gujaf-67	383	12	,	,	PUNCT
gujaf-67	383	13	a.	a.	NOUN
gujaf-67	383	14	(	(	PUNCT
gujaf-67	383	15	2012	2012	NUM
gujaf-67	383	16	)	)	PUNCT
gujaf-67	383	17	.	.	PUNCT
gujaf-67	384	1	analysis	analysis	NOUN
gujaf-67	384	2	for	for	ADP
gujaf-67	384	3	financial	financial	ADJ
gujaf-67	384	4	soundness	soundness	NOUN
gujaf-67	384	5	indicator	indicator	NOUN
gujaf-67	384	6	of	of	ADP
gujaf-67	384	7	mongolian	mongolian	ADJ
gujaf-67	384	8	financial	financial	ADJ
gujaf-67	384	9	system	system	NOUN
gujaf-67	384	10	.	.	PUNCT
gujaf-67	385	1	management	management	NOUN
gujaf-67	385	2	review	review	PROPN
gujaf-67	385	3	:	:	PUNCT
gujaf-67	385	4	an	an	DET
gujaf-67	385	5	international	international	ADJ
gujaf-67	385	6	journal	journal	NOUN
gujaf-67	385	7	,	,	PUNCT
gujaf-67	385	8	7(2	7(2	NUM
gujaf-67	385	9	):	):	PUNCT
gujaf-67	385	10	4	4	NUM
gujaf-67	385	11	-	-	SYM
gujaf-67	385	12	18	18	NUM
gujaf-67	385	13	.	.	PUNCT
gujaf-67	386	1	parrado	parrado	NOUN
gujaf-67	386	2	-	-	PUNCT
gujaf-67	386	3	martínez	martínez	NOUN
gujaf-67	386	4	,	,	PUNCT
gujaf-67	386	5	p.	p.	NOUN
gujaf-67	386	6	,	,	PUNCT
gujaf-67	386	7	ureña	ureña	PROPN
gujaf-67	386	8	,	,	PUNCT
gujaf-67	386	9	a.	a.	NOUN
gujaf-67	386	10	p.	p.	PROPN
gujaf-67	386	11	&	&	CCONJ
gujaf-67	386	12	fernández	fernández	PROPN
gujaf-67	386	13	-	-	PUNCT
gujaf-67	386	14	aguado	aguado	NOUN
gujaf-67	386	15	,	,	PUNCT
gujaf-67	386	16	p.	p.	NOUN
gujaf-67	386	17	g.	g.	PROPN
gujaf-67	387	1	(	(	PUNCT
gujaf-67	387	2	2014	2014	NUM
gujaf-67	387	3	)	)	PUNCT
gujaf-67	387	4	.	.	PUNCT
gujaf-67	388	1	usefulness	usefulness	NOUN
gujaf-67	388	2	of	of	ADP
gujaf-67	388	3	financial	financial	ADJ
gujaf-67	388	4	soundness	soundness	NOUN
gujaf-67	388	5	indicators	indicator	NOUN
gujaf-67	388	6	for	for	ADP
gujaf-67	388	7	risk	risk	NOUN
gujaf-67	388	8	assessment	assessment	NOUN
gujaf-67	388	9	:	:	PUNCT
gujaf-67	388	10	the	the	DET
gujaf-67	388	11	case	case	NOUN
gujaf-67	388	12	of	of	ADP
gujaf-67	388	13	eu	eu	PROPN
gujaf-67	388	14	member	member	NOUN
gujaf-67	388	15	countries	country	NOUN
gujaf-67	388	16	.	.	PUNCT
gujaf-67	389	1	universidad	universidad	PROPN
gujaf-67	389	2	de	de	PROPN
gujaf-67	389	3	jaén	jaén	PROPN
gujaf-67	389	4	working	working	PROPN
gujaf-67	389	5	paper	paper	NOUN
gujaf-67	389	6	series	series	NOUN
gujaf-67	389	7	,	,	PUNCT
gujaf-67	389	8	wp	wp	PROPN
gujaf-67	389	9	fiecac	fiecac	PROPN
gujaf-67	389	10	14.01	14.01	NUM
gujaf-67	389	11	rahman	rahman	PROPN
gujaf-67	389	12	,	,	PUNCT
gujaf-67	389	13	z.	z.	PROPN
gujaf-67	389	14	(	(	PUNCT
gujaf-67	389	15	2017	2017	NUM
gujaf-67	389	16	)	)	PUNCT
gujaf-67	389	17	.	.	PUNCT
gujaf-67	390	1	financial	financial	ADJ
gujaf-67	390	2	soundness	soundness	NOUN
gujaf-67	390	3	evaluation	evaluation	NOUN
gujaf-67	390	4	of	of	ADP
gujaf-67	390	5	selected	select	VERB
gujaf-67	390	6	commercial	commercial	ADJ
gujaf-67	390	7	banks	bank	NOUN
gujaf-67	390	8	in	in	ADP
gujaf-67	390	9	bangladesh	bangladesh	NOUN
gujaf-67	390	10	:	:	PUNCT
gujaf-67	390	11	an	an	DET
gujaf-67	390	12	application	application	NOUN
gujaf-67	390	13	of	of	ADP
gujaf-67	390	14	bankometer	bankometer	ADJ
gujaf-67	390	15	model	model	NOUN
gujaf-67	390	16	.	.	PUNCT
gujaf-67	391	1	research	research	NOUN
gujaf-67	391	2	journal	journal	PROPN
gujaf-67	391	3	of	of	ADP
gujaf-67	391	4	finance	finance	NOUN
gujaf-67	391	5	and	and	CCONJ
gujaf-67	391	6	accounting	accounting	NOUN
gujaf-67	391	7	,	,	PUNCT
gujaf-67	391	8	8(2	8(2	NUM
gujaf-67	391	9	):	):	PUNCT
gujaf-67	391	10	63	63	NUM
gujaf-67	391	11	-	-	SYM
gujaf-67	391	12	70	70	NUM
gujaf-67	391	13	.	.	PUNCT
gujaf-67	392	1	rai	rai	PROPN
gujaf-67	392	2	,	,	PUNCT
gujaf-67	392	3	k.	k.	PROPN
gujaf-67	392	4	(	(	PUNCT
gujaf-67	392	5	2012	2012	NUM
gujaf-67	392	6	)	)	PUNCT
gujaf-67	392	7	.	.	PUNCT
gujaf-67	393	1	study	study	NOUN
gujaf-67	393	2	on	on	ADP
gujaf-67	393	3	performance	performance	NOUN
gujaf-67	393	4	of	of	ADP
gujaf-67	393	5	npas	npas	NOUN
gujaf-67	393	6	of	of	ADP
gujaf-67	393	7	indian	indian	ADJ
gujaf-67	393	8	commercial	commercial	ADJ
gujaf-67	393	9	banks	bank	NOUN
gujaf-67	393	10	.	.	PUNCT
gujaf-67	394	1	asian	asian	ADJ
gujaf-67	394	2	journal	journal	PROPN
gujaf-67	394	3	of	of	ADP
gujaf-67	394	4	research	research	NOUN
gujaf-67	394	5	in	in	ADP
gujaf-67	394	6	banking	banking	NOUN
gujaf-67	394	7	and	and	CCONJ
gujaf-67	394	8	finance	finance	NOUN
gujaf-67	394	9	,	,	PUNCT
gujaf-67	394	10	2(12	2(12	NUM
gujaf-67	394	11	):	):	PUNCT
gujaf-67	394	12	1	1	NUM
gujaf-67	394	13	-	-	SYM
gujaf-67	394	14	19	19	NUM
gujaf-67	394	15	.	.	PUNCT
gujaf-67	395	1	řepková	řepková	PROPN
gujaf-67	395	2	,	,	PUNCT
gujaf-67	395	3	i.	i.	NOUN
gujaf-67	395	4	(	(	PUNCT
gujaf-67	395	5	2015	2015	NUM
gujaf-67	395	6	)	)	PUNCT
gujaf-67	395	7	.	.	PUNCT
gujaf-67	396	1	banking	banking	NOUN
gujaf-67	396	2	efficiency	efficiency	NOUN
gujaf-67	396	3	determinants	determinant	NOUN
gujaf-67	396	4	in	in	ADP
gujaf-67	396	5	the	the	DET
gujaf-67	396	6	czech	czech	ADJ
gujaf-67	396	7	banking	banking	NOUN
gujaf-67	396	8	sector	sector	NOUN
gujaf-67	396	9	.	.	PUNCT
gujaf-67	397	1	procedia	procedia	ADJ
gujaf-67	397	2	economics	economic	NOUN
gujaf-67	397	3	and	and	CCONJ
gujaf-67	397	4	finance	finance	NOUN
gujaf-67	397	5	,	,	PUNCT
gujaf-67	397	6	23	23	NUM
gujaf-67	397	7	:	:	SYM
gujaf-67	397	8	191	191	NUM
gujaf-67	397	9	-	-	SYM
gujaf-67	397	10	196	196	NUM
gujaf-67	397	11	.	.	PUNCT
gujaf-67	398	1	restoy	restoy	PROPN
gujaf-67	398	2	,	,	PUNCT
gujaf-67	398	3	f.	f.	PROPN
gujaf-67	398	4	(	(	PUNCT
gujaf-67	398	5	2017	2017	NUM
gujaf-67	398	6	)	)	PUNCT
gujaf-67	398	7	.	.	PUNCT
gujaf-67	399	1	financial	financial	ADJ
gujaf-67	399	2	soundness	soundness	NOUN
gujaf-67	399	3	indicators	indicator	NOUN
gujaf-67	399	4	–	–	PUNCT
gujaf-67	399	5	looking	look	VERB
gujaf-67	399	6	beyond	beyond	ADP
gujaf-67	399	7	the	the	DET
gujaf-67	399	8	lessons	lesson	NOUN
gujaf-67	399	9	learned	learn	VERB
gujaf-67	399	10	from	from	ADP
gujaf-67	399	11	the	the	DET
gujaf-67	399	12	crisis	crisis	NOUN
gujaf-67	399	13	.	.	PUNCT
gujaf-67	400	1	keynote	keynote	PROPN
gujaf-67	400	2	address	address	NOUN
gujaf-67	400	3	at	at	ADP
gujaf-67	400	4	the	the	DET
gujaf-67	400	5	users	user	NOUN
gujaf-67	400	6	’	'	PUNCT
gujaf-67	400	7	workshop	workshop	NOUN
gujaf-67	400	8	on	on	ADP
gujaf-67	400	9	financial	financial	ADJ
gujaf-67	400	10	soundness	soundness	NOUN
gujaf-67	400	11	indicators	indicator	NOUN
gujaf-67	400	12	,	,	PUNCT
gujaf-67	400	13	international	international	ADJ
gujaf-67	400	14	monetary	monetary	ADJ
gujaf-67	400	15	fund	fund	PROPN
gujaf-67	400	16	,	,	PUNCT
gujaf-67	400	17	washington	washington	PROPN
gujaf-67	400	18	dc	dc	PROPN
gujaf-67	400	19	.	.	PUNCT
gujaf-67	400	20	shaddady	shaddady	PROPN
gujaf-67	400	21	,	,	PUNCT
gujaf-67	400	22	a.	a.	NOUN
gujaf-67	400	23	(	(	PUNCT
gujaf-67	400	24	2017	2017	NUM
gujaf-67	400	25	)	)	PUNCT
gujaf-67	400	26	.	.	PUNCT
gujaf-67	401	1	essays	essay	NOUN
gujaf-67	401	2	on	on	ADP
gujaf-67	401	3	efficiency	efficiency	NOUN
gujaf-67	401	4	,	,	PUNCT
gujaf-67	401	5	stability	stability	NOUN
gujaf-67	401	6	,	,	PUNCT
gujaf-67	401	7	governance	governance	NOUN
gujaf-67	401	8	,	,	PUNCT
gujaf-67	401	9	and	and	CCONJ
gujaf-67	401	10	regulations	regulation	NOUN
gujaf-67	401	11	in	in	ADP
gujaf-67	401	12	financial	financial	ADJ
gujaf-67	401	13	institutions	institution	NOUN
gujaf-67	401	14	.	.	PUNCT
gujaf-67	402	1	a	a	DET
gujaf-67	402	2	thesis	thesis	NOUN
gujaf-67	402	3	submitted	submit	VERB
gujaf-67	402	4	for	for	ADP
gujaf-67	402	5	the	the	DET
gujaf-67	402	6	degree	degree	NOUN
gujaf-67	402	7	of	of	ADP
gujaf-67	402	8	doctor	doctor	NOUN
gujaf-67	402	9	of	of	ADP
gujaf-67	402	10	philosophy	philosophy	NOUN
gujaf-67	402	11	,	,	PUNCT
gujaf-67	402	12	department	department	NOUN
gujaf-67	402	13	of	of	ADP
gujaf-67	402	14	economics	economic	NOUN
gujaf-67	402	15	and	and	CCONJ
gujaf-67	402	16	finance	finance	NOUN
gujaf-67	402	17	,	,	PUNCT
gujaf-67	402	18	college	college	NOUN
gujaf-67	402	19	of	of	ADP
gujaf-67	402	20	business	business	NOUN
gujaf-67	402	21	,	,	PUNCT
gujaf-67	402	22	arts	art	NOUN
gujaf-67	402	23	and	and	CCONJ
gujaf-67	402	24	social	social	ADJ
gujaf-67	402	25	sciences	sciences	PROPN
gujaf-67	402	26	,	,	PUNCT
gujaf-67	402	27	brunel	brunel	PROPN
gujaf-67	402	28	university	university	PROPN
gujaf-67	402	29	london	london	PROPN
gujaf-67	402	30	,	,	PUNCT
gujaf-67	402	31	uk	uk	PROPN
gujaf-67	402	32	.	.	PROPN
gujaf-67	402	33	shajari	shajari	PROPN
gujaf-67	402	34	,	,	PUNCT
gujaf-67	402	35	p.	p.	PROPN
gujaf-67	402	36	&	&	CCONJ
gujaf-67	402	37	shajari	shajari	PROPN
gujaf-67	402	38	,	,	PUNCT
gujaf-67	402	39	h.	h.	PROPN
gujaf-67	402	40	(	(	PUNCT
gujaf-67	402	41	2012	2012	NUM
gujaf-67	402	42	)	)	PUNCT
gujaf-67	402	43	.	.	PUNCT
gujaf-67	403	1	financial	financial	ADJ
gujaf-67	403	2	soundness	soundness	NOUN
gujaf-67	403	3	indicators	indicator	NOUN
gujaf-67	403	4	with	with	ADP
gujaf-67	403	5	emphasis	emphasis	NOUN
gujaf-67	403	6	on	on	ADP
gujaf-67	403	7	nonperforming	nonperforme	VERB
gujaf-67	403	8	loans	loan	NOUN
gujaf-67	403	9	in	in	ADP
gujaf-67	403	10	iran	iran	PROPN
gujaf-67	403	11	’s	’s	PART
gujaf-67	403	12	banking	banking	NOUN
gujaf-67	403	13	system	system	NOUN
gujaf-67	403	14	.	.	PUNCT
gujaf-67	404	1	money	money	NOUN
gujaf-67	404	2	and	and	CCONJ
gujaf-67	404	3	economy	economy	NOUN
gujaf-67	404	4	,	,	PUNCT
gujaf-67	404	5	6(3	6(3	NUM
gujaf-67	404	6	):	):	PUNCT
gujaf-67	404	7	163	163	NUM
gujaf-67	404	8	-	-	SYM
gujaf-67	404	9	189	189	NUM
gujaf-67	404	10	.	.	PUNCT
gujaf-67	404	11	sulaeman	sulaeman	PROPN
gujaf-67	404	12	,	,	PUNCT
gujaf-67	404	13	h.	h.	PROPN
gujaf-67	404	14	s.	s.	PROPN
gujaf-67	404	15	f.	f.	PROPN
gujaf-67	404	16	,	,	PUNCT
gujaf-67	404	17	moelyono	moelyono	PROPN
gujaf-67	404	18	,	,	PUNCT
gujaf-67	404	19	s.	s.	PROPN
gujaf-67	404	20	m.	m.	PROPN
gujaf-67	404	21	&	&	CCONJ
gujaf-67	404	22	nawir	nawir	PROPN
gujaf-67	404	23	,	,	PUNCT
gujaf-67	404	24	j.	j.	PROPN
gujaf-67	404	25	(	(	PUNCT
gujaf-67	404	26	2019	2019	NUM
gujaf-67	404	27	)	)	PUNCT
gujaf-67	404	28	.	.	PUNCT
gujaf-67	405	1	determinants	determinant	NOUN
gujaf-67	405	2	of	of	ADP
gujaf-67	405	3	banking	banking	NOUN
gujaf-67	405	4	efficiency	efficiency	NOUN
gujaf-67	405	5	for	for	ADP
gujaf-67	405	6	commercial	commercial	ADJ
gujaf-67	405	7	banks	bank	NOUN
gujaf-67	405	8	in	in	ADP
gujaf-67	405	9	indonesia	indonesia	PROPN
gujaf-67	405	10	.	.	PUNCT
gujaf-67	406	1	contemporary	contemporary	ADJ
gujaf-67	406	2	economics	economic	NOUN
gujaf-67	406	3	;	;	PUNCT
gujaf-67	406	4	13(2	13(2	NUM
gujaf-67	406	5	):	):	PUNCT
gujaf-67	406	6	205	205	NUM
gujaf-67	406	7	-	-	SYM
gujaf-67	406	8	218	218	NUM
gujaf-67	406	9	.	.	PUNCT
gujaf-67	407	1	sundararajan	sundararajan	NOUN
gujaf-67	407	2	,	,	PUNCT
gujaf-67	407	3	v.	v.	PROPN
gujaf-67	407	4	,	,	PUNCT
gujaf-67	407	5	enoch	enoch	PROPN
gujaf-67	407	6	,	,	PUNCT
gujaf-67	407	7	c.	c.	PROPN
gujaf-67	407	8	,	,	PUNCT
gujaf-67	407	9	josé	josé	PROPN
gujaf-67	407	10	,	,	PUNCT
gujaf-67	407	11	a.	a.	PROPN
gujaf-67	407	12	s.	s.	PROPN
gujaf-67	407	13	,	,	PUNCT
gujaf-67	407	14	hilbers	hilber	NOUN
gujaf-67	407	15	,	,	PUNCT
gujaf-67	407	16	p.	p.	NOUN
gujaf-67	407	17	,	,	PUNCT
gujaf-67	407	18	krueger	krueger	PROPN
gujaf-67	407	19	,	,	PUNCT
gujaf-67	407	20	r.	r.	PROPN
gujaf-67	407	21	moretti	moretti	PROPN
gujaf-67	407	22	,	,	PUNCT
gujaf-67	407	23	m.	m.	NOUN
gujaf-67	407	24	&	&	CCONJ
gujaf-67	407	25	slack	slack	PROPN
gujaf-67	407	26	,	,	PUNCT
gujaf-67	407	27	g.	g.	PROPN
gujaf-67	407	28	9(2002	9(2002	NUM
gujaf-67	407	29	)	)	PUNCT
gujaf-67	407	30	.	.	PUNCT
gujaf-67	408	1	financial	financial	ADJ
gujaf-67	408	2	soundness	soundness	NOUN
gujaf-67	408	3	indicators	indicator	NOUN
gujaf-67	408	4	:	:	PUNCT
gujaf-67	408	5	analytical	analytical	ADJ
gujaf-67	408	6	aspects	aspect	NOUN
gujaf-67	408	7	and	and	CCONJ
gujaf-67	408	8	country	country	NOUN
gujaf-67	408	9	practices	practice	NOUN
gujaf-67	408	10	.	.	PUNCT
gujaf-67	409	1	occasional	occasional	ADJ
gujaf-67	409	2	paper	paper	NOUN
gujaf-67	409	3	,	,	PUNCT
gujaf-67	409	4	212	212	NUM
gujaf-67	409	5	,	,	PUNCT
gujaf-67	409	6	international	international	ADJ
gujaf-67	409	7	monetary	monetary	ADJ
gujaf-67	409	8	fund	fund	PROPN
gujaf-67	409	9	,	,	PUNCT
gujaf-67	409	10	washington	washington	PROPN
gujaf-67	409	11	dc	dc	PROPN
gujaf-67	409	12	.	.	PUNCT
gujaf-67	409	13	talibong	talibong	PROPN
gujaf-67	409	14	,	,	PUNCT
gujaf-67	409	15	j.	j.	PROPN
gujaf-67	409	16	k.	k.	PROPN
gujaf-67	409	17	&	&	CCONJ
gujaf-67	409	18	simiyu	simiyu	PROPN
gujaf-67	409	19	,	,	PUNCT
gujaf-67	409	20	e.	e.	PROPN
gujaf-67	409	21	m.	m.	PROPN
gujaf-67	409	22	(	(	PUNCT
gujaf-67	409	23	2018	2018	NUM
gujaf-67	409	24	)	)	PUNCT
gujaf-67	409	25	.	.	PUNCT
gujaf-67	410	1	financial	financial	ADJ
gujaf-67	410	2	soundness	soundness	NOUN
gujaf-67	410	3	indicators	indicator	NOUN
gujaf-67	410	4	and	and	CCONJ
gujaf-67	410	5	financial	financial	ADJ
gujaf-67	410	6	performance	performance	NOUN
gujaf-67	410	7	of	of	ADP
gujaf-67	410	8	deposit	deposit	NOUN
gujaf-67	410	9	taking	take	VERB
gujaf-67	410	10	micro	micro	ADJ
gujaf-67	410	11	finance	finance	NOUN
gujaf-67	410	12	banks	bank	NOUN
gujaf-67	410	13	in	in	ADP
gujaf-67	410	14	kenya	kenya	PROPN
gujaf-67	410	15	.	.	PUNCT
gujaf-67	411	1	african	african	ADJ
gujaf-67	411	2	journal	journal	NOUN
gujaf-67	411	3	of	of	ADP
gujaf-67	411	4	emerging	emerge	VERB
gujaf-67	411	5	issues	issue	NOUN
gujaf-67	411	6	,	,	PUNCT
gujaf-67	411	7	1(11	1(11	NUM
gujaf-67	411	8	):	):	PUNCT
gujaf-67	411	9	67	67	NUM
gujaf-67	411	10	-	-	SYM
gujaf-67	411	11	84	84	NUM
gujaf-67	411	12	.	.	PUNCT
gujaf-67	412	1	wapmuk	wapmuk	ADJ
gujaf-67	412	2	,	,	PUNCT
gujaf-67	412	3	s.	s.	PROPN
gujaf-67	412	4	e.	e.	PROPN
gujaf-67	412	5	(	(	PUNCT
gujaf-67	412	6	2016	2016	NUM
gujaf-67	412	7	)	)	PUNCT
gujaf-67	412	8	.	.	PUNCT
gujaf-67	413	1	banking	banking	NOUN
gujaf-67	413	2	regulation	regulation	NOUN
gujaf-67	413	3	and	and	CCONJ
gujaf-67	413	4	supervision	supervision	NOUN
gujaf-67	413	5	in	in	ADP
gujaf-67	413	6	nigeria	nigeria	PROPN
gujaf-67	413	7	:	:	PUNCT
gujaf-67	413	8	an	an	DET
gujaf-67	413	9	analysis	analysis	NOUN
gujaf-67	413	10	of	of	ADP
gujaf-67	413	11	the	the	DET
gujaf-67	413	12	effects	effect	NOUN
gujaf-67	413	13	of	of	ADP
gujaf-67	413	14	banking	banking	NOUN
gujaf-67	413	15	reforms	reform	NOUN
gujaf-67	413	16	on	on	ADP
gujaf-67	413	17	bank	bank	NOUN
gujaf-67	413	18	performance	performance	NOUN
gujaf-67	413	19	and	and	CCONJ
gujaf-67	413	20	financial	financial	ADJ
gujaf-67	413	21	stability	stability	NOUN
gujaf-67	413	22	.	.	PUNCT
gujaf-67	414	1	a	a	DET
gujaf-67	414	2	thesis	thesis	NOUN
gujaf-67	414	3	submitted	submit	VERB
gujaf-67	414	4	to	to	ADP
gujaf-67	414	5	the	the	DET
gujaf-67	414	6	university	university	PROPN
gujaf-67	414	7	of	of	ADP
gujaf-67	414	8	salford	salford	PROPN
gujaf-67	414	9	,	,	PUNCT
gujaf-67	414	10	salford	salford	PROPN
gujaf-67	414	11	,	,	PUNCT
gujaf-67	414	12	uk	uk	PROPN
gujaf-67	414	13	in	in	ADP
gujaf-67	414	14	partial	partial	ADJ
gujaf-67	414	15	fulfilment	fulfilment	NOUN
gujaf-67	414	16	of	of	ADP
gujaf-67	414	17	the	the	DET
gujaf-67	414	18	requirements	requirement	NOUN
gujaf-67	414	19	of	of	ADP
gujaf-67	414	20	the	the	DET
gujaf-67	414	21	degree	degree	NOUN
gujaf-67	414	22	of	of	ADP
gujaf-67	414	23	doctor	doctor	NOUN
gujaf-67	414	24	of	of	ADP
gujaf-67	414	25	philosophy	philosophy	NOUN
gujaf-67	414	26	.	.	PUNCT
gujaf-67	415	1	yaaba	yaaba	PROPN
gujaf-67	415	2	,	,	PUNCT
gujaf-67	415	3	b.	b.	PROPN
gujaf-67	415	4	n.	n.	PROPN
gujaf-67	415	5	&	&	CCONJ
gujaf-67	415	6	adamu	adamu	PROPN
gujaf-67	415	7	,	,	PUNCT
gujaf-67	415	8	i.	i.	PROPN
gujaf-67	415	9	(	(	PUNCT
gujaf-67	415	10	2015	2015	NUM
gujaf-67	415	11	)	)	PUNCT
gujaf-67	415	12	.	.	PUNCT
gujaf-67	416	1	financial	financial	ADJ
gujaf-67	416	2	soundness	soundness	NOUN
gujaf-67	416	3	indicators	indicator	NOUN
gujaf-67	416	4	:	:	PUNCT
gujaf-67	416	5	the	the	DET
gujaf-67	416	6	case	case	NOUN
gujaf-67	416	7	of	of	ADP
gujaf-67	416	8	nigeria	nigeria	PROPN
gujaf-67	416	9	.	.	PUNCT
gujaf-67	417	1	the	the	DET
gujaf-67	417	2	cbn	cbn	PROPN
gujaf-67	417	3	bullion	bullion	NOUN
gujaf-67	417	4	,	,	PUNCT
gujaf-67	417	5	39(4	39(4	NUM
gujaf-67	417	6	):	):	PUNCT
gujaf-67	417	7	3	3	NUM
gujaf-67	417	8	-	-	SYM
gujaf-67	417	9	14	14	NUM
gujaf-67	417	10	.	.	PUNCT
gujaf-67	418	1	yaaba	yaaba	PROPN
gujaf-67	418	2	,	,	PUNCT
gujaf-67	418	3	b.	b.	PROPN
gujaf-67	418	4	n.	n.	PROPN
gujaf-67	418	5	(	(	PUNCT
gujaf-67	418	6	2016	2016	NUM
gujaf-67	418	7	)	)	PUNCT
gujaf-67	418	8	.	.	PUNCT
gujaf-67	419	1	financial	financial	ADJ
gujaf-67	419	2	soundness	soundness	NOUN
gujaf-67	419	3	indicators	indicator	NOUN
gujaf-67	419	4	and	and	CCONJ
gujaf-67	419	5	macroeconomic	macroeconomic	ADJ
gujaf-67	419	6	variables	variable	NOUN
gujaf-67	419	7	:	:	PUNCT
gujaf-67	419	8	an	an	DET
gujaf-67	419	9	empirical	empirical	ADJ
gujaf-67	419	10	investigation	investigation	NOUN
gujaf-67	419	11	of	of	ADP
gujaf-67	419	12	the	the	DET
gujaf-67	419	13	dynamic	dynamic	ADJ
gujaf-67	419	14	linkages	linkage	NOUN
gujaf-67	419	15	.	.	PUNCT
gujaf-67	420	1	the	the	DET
gujaf-67	420	2	cbn	cbn	PROPN
gujaf-67	420	3	bullion	bullion	NOUN
gujaf-67	420	4	,	,	PUNCT
gujaf-67	420	5	40(1	40(1	NUM
gujaf-67	420	6	):	):	PUNCT
gujaf-67	420	7	9	9	NUM
gujaf-67	420	8	-	-	SYM
gujaf-67	420	9	20	20	NUM
gujaf-67	420	10	.	.	PUNCT
gujaf-67	421	1	yakubu	yakubu	PROPN
gujaf-67	421	2	,	,	PUNCT
gujaf-67	421	3	b.	b.	PROPN
gujaf-67	421	4	a.	a.	PROPN
gujaf-67	421	5	,	,	PUNCT
gujaf-67	421	6	audu	audu	NOUN
gujaf-67	421	7	,	,	PUNCT
gujaf-67	421	8	s.	s.	PROPN
gujaf-67	421	9	,	,	PUNCT
gujaf-67	421	10	yaaba	yaaba	PROPN
gujaf-67	421	11	,	,	PUNCT
gujaf-67	421	12	b.	b.	PROPN
gujaf-67	421	13	n.	n.	PROPN
gujaf-67	421	14	,	,	PUNCT
gujaf-67	421	15	hamman	hamman	PROPN
gujaf-67	421	16	,	,	PUNCT
gujaf-67	421	17	i.	i.	PROPN
gujaf-67	421	18	,	,	PUNCT
gujaf-67	421	19	idrisa	idrisa	PROPN
gujaf-67	421	20	,	,	PUNCT
gujaf-67	421	21	g.	g.	PROPN
gujaf-67	421	22	a.	a.	PROPN
gujaf-67	421	23	&	&	CCONJ
gujaf-67	421	24	usman	usman	PROPN
gujaf-67	421	25	,	,	PUNCT
gujaf-67	421	26	f.	f.	PROPN
gujaf-67	421	27	b.	b.	PROPN
gujaf-67	421	28	(	(	PUNCT
gujaf-67	421	29	2020	2020	NUM
gujaf-67	421	30	)	)	PUNCT
gujaf-67	421	31	.	.	PUNCT
gujaf-67	422	1	financial	financial	ADJ
gujaf-67	422	2	soundness	soundness	NOUN
gujaf-67	422	3	indicators	indicator	NOUN
gujaf-67	422	4	in	in	ADP
gujaf-67	422	5	nigeria	nigeria	PROPN
gujaf-67	422	6	:	:	PUNCT
gujaf-67	422	7	does	do	AUX
gujaf-67	422	8	economic	economic	ADJ
gujaf-67	422	9	condition	condition	NOUN
gujaf-67	422	10	matters	matter	VERB
gujaf-67	422	11	?	?	PUNCT
gujaf-67	423	1	archives	archive	NOUN
gujaf-67	423	2	of	of	ADP
gujaf-67	423	3	business	business	NOUN
gujaf-67	423	4	research	research	NOUN
gujaf-67	423	5	,	,	PUNCT
gujaf-67	423	6	8(1	8(1	NOUN
gujaf-67	423	7	):	):	PUNCT
gujaf-67	423	8	202	202	NUM
gujaf-67	423	9	-	-	SYM
gujaf-67	423	10	217	217	NUM
gujaf-67	423	11	.	.	PUNCT
gujaf-67	424	1	zeb	zeb	PROPN
gujaf-67	424	2	,	,	PUNCT
gujaf-67	424	3	s.	s.	PROPN
gujaf-67	424	4	&	&	CCONJ
gujaf-67	424	5	sattar	sattar	PROPN
gujaf-67	424	6	,	,	PUNCT
gujaf-67	424	7	a.	a.	NOUN
gujaf-67	424	8	(	(	PUNCT
gujaf-67	424	9	2017	2017	NUM
gujaf-67	424	10	)	)	PUNCT
gujaf-67	424	11	.	.	PUNCT
gujaf-67	425	1	financial	financial	ADJ
gujaf-67	425	2	regulations	regulation	NOUN
gujaf-67	425	3	,	,	PUNCT
gujaf-67	425	4	profit	profit	NOUN
gujaf-67	425	5	efficiency	efficiency	NOUN
gujaf-67	425	6	,	,	PUNCT
gujaf-67	425	7	and	and	CCONJ
gujaf-67	425	8	financial	financial	ADJ
gujaf-67	425	9	soundness	soundness	NOUN
gujaf-67	425	10	:	:	PUNCT
gujaf-67	425	11	empirical	empirical	ADJ
gujaf-67	425	12	evidence	evidence	NOUN
gujaf-67	425	13	from	from	ADP
gujaf-67	425	14	commercial	commercial	ADJ
gujaf-67	425	15	banks	bank	NOUN
gujaf-67	425	16	of	of	ADP
gujaf-67	425	17	pakistan	pakistan	PROPN
gujaf-67	425	18	.	.	PUNCT
gujaf-67	426	1	the	the	DET
gujaf-67	426	2	pakistan	pakistan	PROPN
gujaf-67	426	3	development	development	PROPN
gujaf-67	426	4	review	review	PROPN
gujaf-67	426	5	,	,	PUNCT
gujaf-67	426	6	56(2	56(2	ADV
gujaf-67	426	7	):	):	PUNCT
gujaf-67	426	8	85	85	NUM
gujaf-67	426	9	-	-	SYM
gujaf-67	426	10	103	103	NUM
gujaf-67	426	11	.	.	PUNCT
gujaf-67	427	1	gusau	gusau	PROPN
gujaf-67	427	2	journal	journal	PROPN
gujaf-67	427	3	of	of	ADP
gujaf-67	427	4	accounting	accounting	NOUN
gujaf-67	427	5	and	and	CCONJ
gujaf-67	427	6	finance	finance	NOUN
gujaf-67	427	7	,	,	PUNCT
gujaf-67	427	8	vol	vol	NOUN
gujaf-67	427	9	.	.	PROPN
gujaf-67	427	10	2	2	NUM
gujaf-67	427	11	,	,	PUNCT
gujaf-67	427	12	issue	issue	NOUN
gujaf-67	427	13	2	2	NUM
gujaf-67	427	14	,	,	PUNCT
gujaf-67	427	15	april	april	PROPN
gujaf-67	427	16	,	,	PUNCT
gujaf-67	427	17	2021	2021	NUM
gujaf-67	427	18	17	17	NUM