id	sid	tid	token	lemma	pos
gujaf-87	1	1	1	1	NUM
gujaf-87	1	2	gusau	gusau	ADJ
gujaf-87	1	3	journal	journal	NOUN
gujaf-87	1	4	of	of	ADP
gujaf-87	1	5	accounting	accounting	NOUN
gujaf-87	1	6	and	and	CCONJ
gujaf-87	1	7	finance	finance	NOUN
gujaf-87	1	8	(	(	PUNCT
gujaf-87	1	9	gujaf	gujaf	NOUN
gujaf-87	1	10	)	)	PUNCT
gujaf-87	1	11	vol	vol	NOUN
gujaf-87	1	12	.	.	NOUN
gujaf-87	1	13	2	2	NUM
gujaf-87	1	14	issue	issue	NOUN
gujaf-87	1	15	4	4	NUM
gujaf-87	1	16	,	,	PUNCT
gujaf-87	1	17	october	october	PROPN
gujaf-87	1	18	,	,	PUNCT
gujaf-87	1	19	2021	2021	NUM
gujaf-87	1	20	issn	issn	X
gujaf-87	1	21	:	:	PUNCT
gujaf-87	1	22	2756	2756	NUM
gujaf-87	1	23	-	-	PUNCT
gujaf-87	1	24	665x	665x	NOUN
gujaf-87	1	25	a	a	DET
gujaf-87	1	26	publication	publication	NOUN
gujaf-87	1	27	of	of	ADP
gujaf-87	1	28	department	department	NOUN
gujaf-87	1	29	of	of	ADP
gujaf-87	1	30	accounting	accounting	NOUN
gujaf-87	1	31	and	and	CCONJ
gujaf-87	1	32	finance	finance	NOUN
gujaf-87	1	33	,	,	PUNCT
gujaf-87	1	34	faculty	faculty	NOUN
gujaf-87	1	35	of	of	ADP
gujaf-87	1	36	management	management	NOUN
gujaf-87	1	37	and	and	CCONJ
gujaf-87	1	38	social	social	ADJ
gujaf-87	1	39	sciences	science	NOUN
gujaf-87	1	40	,	,	PUNCT
gujaf-87	1	41	federal	federal	ADJ
gujaf-87	1	42	university	university	NOUN
gujaf-87	1	43	gusau	gusau	NOUN
gujaf-87	1	44	,	,	PUNCT
gujaf-87	1	45	zamfara	zamfara	PROPN
gujaf-87	1	46	state	state	PROPN
gujaf-87	1	47	-nigeria	-nigeria	PROPN
gujaf-87	1	48	2	2	NUM
gujaf-87	1	49	risk	risk	NOUN
gujaf-87	1	50	control	control	NOUN
gujaf-87	1	51	and	and	CCONJ
gujaf-87	1	52	financial	financial	ADJ
gujaf-87	1	53	performance	performance	NOUN
gujaf-87	1	54	of	of	ADP
gujaf-87	1	55	deposit	deposit	NOUN
gujaf-87	1	56	money	money	NOUN
gujaf-87	1	57	banks	bank	NOUN
gujaf-87	1	58	in	in	ADP
gujaf-87	1	59	nigeria	nigeria	PROPN
gujaf-87	1	60	latifat	latifat	PROPN
gujaf-87	1	61	abdulsalam	abdulsalam	PROPN
gujaf-87	1	62	abdulfatah	abdulfatah	PROPN
gujaf-87	1	63	department	department	PROPN
gujaf-87	1	64	of	of	ADP
gujaf-87	1	65	accounting	accounting	PROPN
gujaf-87	1	66	nigerian	nigerian	PROPN
gujaf-87	1	67	defence	defence	PROPN
gujaf-87	1	68	academy	academy	PROPN
gujaf-87	1	69	,	,	PUNCT
gujaf-87	1	70	kaduna	kaduna	PROPN
gujaf-87	1	71	state	state	PROPN
gujaf-87	1	72	,	,	PUNCT
gujaf-87	1	73	nigeria	nigeria	PROPN
gujaf-87	1	74	.	.	PUNCT
gujaf-87	2	1	aalatifat2@gmail.com	aalatifat2@gmail.com	X
gujaf-87	2	2	(	(	PUNCT
gujaf-87	2	3	+2348034520828	+2348034520828	X
gujaf-87	2	4	)	)	PUNCT
gujaf-87	3	1	agbi	agbi	ADP
gujaf-87	3	2	eniola	eniola	PROPN
gujaf-87	3	3	samuel	samuel	PROPN
gujaf-87	3	4	,	,	PUNCT
gujaf-87	3	5	phd	phd	PROPN
gujaf-87	3	6	department	department	PROPN
gujaf-87	3	7	of	of	ADP
gujaf-87	3	8	accounting	accounting	PROPN
gujaf-87	3	9	nigerian	nigerian	PROPN
gujaf-87	3	10	defence	defence	PROPN
gujaf-87	3	11	academy	academy	PROPN
gujaf-87	3	12	,	,	PUNCT
gujaf-87	3	13	kaduna	kaduna	PROPN
gujaf-87	3	14	state	state	PROPN
gujaf-87	3	15	,	,	PUNCT
gujaf-87	3	16	nigeria	nigeria	PROPN
gujaf-87	3	17	.	.	PUNCT
gujaf-87	4	1	lateef	lateef	PROPN
gujaf-87	4	2	olumide	olumide	PROPN
gujaf-87	4	3	mustapha	mustapha	PROPN
gujaf-87	4	4	,	,	PUNCT
gujaf-87	4	5	phd	phd	PROPN
gujaf-87	4	6	department	department	PROPN
gujaf-87	4	7	of	of	ADP
gujaf-87	4	8	accounting	accounting	PROPN
gujaf-87	4	9	nigerian	nigerian	PROPN
gujaf-87	4	10	defence	defence	PROPN
gujaf-87	4	11	academy	academy	PROPN
gujaf-87	4	12	,	,	PUNCT
gujaf-87	4	13	kaduna	kaduna	PROPN
gujaf-87	4	14	state	state	PROPN
gujaf-87	4	15	,	,	PUNCT
gujaf-87	4	16	nigeria	nigeria	PROPN
gujaf-87	4	17	.	.	PUNCT
gujaf-87	5	1	abstract	abstract	ADJ
gujaf-87	5	2	optimal	optimal	ADJ
gujaf-87	5	3	risk	risk	NOUN
gujaf-87	5	4	management	management	NOUN
gujaf-87	5	5	strategy	strategy	NOUN
gujaf-87	5	6	is	be	AUX
gujaf-87	5	7	vital	vital	ADJ
gujaf-87	5	8	for	for	ADP
gujaf-87	5	9	the	the	DET
gujaf-87	5	10	reduction	reduction	NOUN
gujaf-87	5	11	of	of	ADP
gujaf-87	5	12	threats	threat	NOUN
gujaf-87	5	13	that	that	PRON
gujaf-87	5	14	may	may	AUX
gujaf-87	5	15	hinder	hinder	VERB
gujaf-87	5	16	business	business	VERB
gujaf-87	5	17	performance.this	performance.this	DET
gujaf-87	5	18	investigation	investigation	NOUN
gujaf-87	5	19	was	be	AUX
gujaf-87	5	20	conducted	conduct	VERB
gujaf-87	5	21	to	to	PART
gujaf-87	5	22	study	study	VERB
gujaf-87	5	23	the	the	DET
gujaf-87	5	24	influence	influence	NOUN
gujaf-87	5	25	of	of	ADP
gujaf-87	5	26	risk	risk	NOUN
gujaf-87	5	27	control	control	NOUN
gujaf-87	5	28	on	on	ADP
gujaf-87	5	29	financial	financial	ADJ
gujaf-87	5	30	performance	performance	NOUN
gujaf-87	5	31	of	of	ADP
gujaf-87	5	32	deposit	deposit	NOUN
gujaf-87	5	33	money	money	NOUN
gujaf-87	5	34	banks	bank	NOUN
gujaf-87	5	35	quoted	quote	VERB
gujaf-87	5	36	on	on	ADP
gujaf-87	5	37	the	the	DET
gujaf-87	5	38	nigeria	nigeria	PROPN
gujaf-87	5	39	exchange	exchange	PROPN
gujaf-87	5	40	.	.	PUNCT
gujaf-87	6	1	the	the	DET
gujaf-87	6	2	study	study	NOUN
gujaf-87	6	3	adopted	adopt	VERB
gujaf-87	6	4	the	the	DET
gujaf-87	6	5	ex	ex	NOUN
gujaf-87	6	6	-	-	ADJ
gujaf-87	6	7	post	post	ADJ
gujaf-87	6	8	facto	facto	X
gujaf-87	6	9	research	research	NOUN
gujaf-87	6	10	design	design	NOUN
gujaf-87	6	11	while	while	SCONJ
gujaf-87	6	12	the	the	DET
gujaf-87	6	13	population	population	NOUN
gujaf-87	6	14	of	of	ADP
gujaf-87	6	15	the	the	DET
gujaf-87	6	16	study	study	NOUN
gujaf-87	6	17	comprised	comprise	VERB
gujaf-87	6	18	of	of	ADP
gujaf-87	6	19	all	all	DET
gujaf-87	6	20	quoted	quote	VERB
gujaf-87	6	21	deposit	deposit	NOUN
gujaf-87	6	22	money	money	NOUN
gujaf-87	6	23	banks	bank	NOUN
gujaf-87	6	24	on	on	ADP
gujaf-87	6	25	the	the	DET
gujaf-87	6	26	nigerian	nigerian	ADJ
gujaf-87	6	27	exchange	exchange	NOUN
gujaf-87	6	28	from	from	ADP
gujaf-87	6	29	1st	1st	ADJ
gujaf-87	6	30	jan.2009	jan.2009	NUM
gujaf-87	6	31	to	to	ADP
gujaf-87	6	32	31st	31st	NOUN
gujaf-87	6	33	dec.2020	dec.2020	PROPN
gujaf-87	6	34	.	.	PUNCT
gujaf-87	7	1	the	the	DET
gujaf-87	7	2	sample	sample	NOUN
gujaf-87	7	3	size	size	NOUN
gujaf-87	7	4	of	of	ADP
gujaf-87	7	5	8	8	NUM
gujaf-87	7	6	banks	bank	NOUN
gujaf-87	7	7	was	be	AUX
gujaf-87	7	8	selected	select	VERB
gujaf-87	7	9	randomly	randomly	ADV
gujaf-87	7	10	by	by	ADP
gujaf-87	7	11	adopting	adopt	VERB
gujaf-87	7	12	the	the	DET
gujaf-87	7	13	yamane	yamane	ADJ
gujaf-87	7	14	formula	formula	NOUN
gujaf-87	7	15	.	.	PUNCT
gujaf-87	8	1	secondary	secondary	ADJ
gujaf-87	8	2	data	datum	NOUN
gujaf-87	8	3	was	be	AUX
gujaf-87	8	4	extracted	extract	VERB
gujaf-87	8	5	from	from	ADP
gujaf-87	8	6	the	the	DET
gujaf-87	8	7	financial	financial	ADJ
gujaf-87	8	8	statements	statement	NOUN
gujaf-87	8	9	of	of	ADP
gujaf-87	8	10	the	the	DET
gujaf-87	8	11	sampled	sample	VERB
gujaf-87	8	12	banks	bank	NOUN
gujaf-87	8	13	covering	cover	VERB
gujaf-87	8	14	the	the	DET
gujaf-87	8	15	period	period	NOUN
gujaf-87	8	16	of	of	ADP
gujaf-87	8	17	10	10	NUM
gujaf-87	8	18	years	year	NOUN
gujaf-87	8	19	,	,	PUNCT
gujaf-87	8	20	2009	2009	NUM
gujaf-87	8	21	to	to	ADP
gujaf-87	8	22	2018	2018	NUM
gujaf-87	8	23	.	.	PUNCT
gujaf-87	9	1	the	the	DET
gujaf-87	9	2	study	study	NOUN
gujaf-87	9	3	found	find	VERB
gujaf-87	9	4	that	that	SCONJ
gujaf-87	9	5	liquidity	liquidity	NOUN
gujaf-87	9	6	risks	risk	NOUN
gujaf-87	9	7	and	and	CCONJ
gujaf-87	9	8	credit	credit	NOUN
gujaf-87	9	9	positively	positively	ADV
gujaf-87	9	10	significantly	significantly	ADV
gujaf-87	9	11	impact	impact	VERB
gujaf-87	9	12	the	the	DET
gujaf-87	9	13	financial	financial	ADJ
gujaf-87	9	14	performance	performance	NOUN
gujaf-87	9	15	of	of	ADP
gujaf-87	9	16	deposit	deposit	NOUN
gujaf-87	9	17	money	money	NOUN
gujaf-87	9	18	banks	bank	NOUN
gujaf-87	9	19	in	in	ADP
gujaf-87	9	20	nigeria	nigeria	PROPN
gujaf-87	9	21	.	.	PUNCT
gujaf-87	10	1	whereas	whereas	ADV
gujaf-87	10	2	,	,	PUNCT
gujaf-87	10	3	asset	asset	NOUN
gujaf-87	10	4	turnover	turnover	NOUN
gujaf-87	10	5	ratio	ratio	NOUN
gujaf-87	10	6	asserts	assert	VERB
gujaf-87	10	7	an	an	DET
gujaf-87	10	8	insignificant	insignificant	ADJ
gujaf-87	10	9	negative	negative	ADJ
gujaf-87	10	10	effect	effect	NOUN
gujaf-87	10	11	on	on	ADP
gujaf-87	10	12	the	the	DET
gujaf-87	10	13	performance	performance	NOUN
gujaf-87	10	14	of	of	ADP
gujaf-87	10	15	banks	bank	NOUN
gujaf-87	10	16	in	in	ADP
gujaf-87	10	17	nigeria	nigeria	PROPN
gujaf-87	10	18	.	.	PUNCT
gujaf-87	11	1	additionally	additionally	ADV
gujaf-87	11	2	.	.	PUNCT
gujaf-87	12	1	nonperforming	nonperforme	VERB
gujaf-87	12	2	loan	loan	NOUN
gujaf-87	12	3	ratio	ratio	NOUN
gujaf-87	12	4	significantly	significantly	ADV
gujaf-87	12	5	negatively	negatively	ADV
gujaf-87	12	6	impacted	impact	VERB
gujaf-87	12	7	performance	performance	NOUN
gujaf-87	12	8	of	of	ADP
gujaf-87	12	9	deposit	deposit	NOUN
gujaf-87	12	10	money	money	NOUN
gujaf-87	12	11	banks	bank	NOUN
gujaf-87	12	12	in	in	ADP
gujaf-87	12	13	nigeria	nigeria	PROPN
gujaf-87	12	14	.	.	PUNCT
gujaf-87	13	1	based	base	VERB
gujaf-87	13	2	on	on	ADP
gujaf-87	13	3	these	these	DET
gujaf-87	13	4	findings	finding	NOUN
gujaf-87	13	5	,	,	PUNCT
gujaf-87	13	6	the	the	DET
gujaf-87	13	7	study	study	NOUN
gujaf-87	13	8	recommends	recommend	VERB
gujaf-87	13	9	that	that	SCONJ
gujaf-87	13	10	,	,	PUNCT
gujaf-87	13	11	nigerian	nigerian	ADJ
gujaf-87	13	12	deposit	deposit	NOUN
gujaf-87	13	13	money	money	NOUN
gujaf-87	13	14	banks	bank	NOUN
gujaf-87	13	15	should	should	AUX
gujaf-87	13	16	step	step	VERB
gujaf-87	13	17	up	up	ADP
gujaf-87	13	18	their	their	PRON
gujaf-87	13	19	liquidity	liquidity	NOUN
gujaf-87	13	20	and	and	CCONJ
gujaf-87	13	21	credit	credit	NOUN
gujaf-87	13	22	risks	risk	NOUN
gujaf-87	13	23	for	for	ADP
gujaf-87	13	24	optimum	optimum	ADJ
gujaf-87	13	25	performance	performance	NOUN
gujaf-87	13	26	while	while	SCONJ
gujaf-87	13	27	trying	try	VERB
gujaf-87	13	28	to	to	PART
gujaf-87	13	29	utilize	utilize	VERB
gujaf-87	13	30	the	the	DET
gujaf-87	13	31	available	available	ADJ
gujaf-87	13	32	resources	resource	NOUN
gujaf-87	13	33	for	for	ADP
gujaf-87	13	34	maximum	maximum	ADJ
gujaf-87	13	35	revenue	revenue	NOUN
gujaf-87	13	36	generation	generation	NOUN
gujaf-87	13	37	.	.	PUNCT
gujaf-87	14	1	more	more	ADV
gujaf-87	14	2	so	so	ADV
gujaf-87	14	3	,	,	PUNCT
gujaf-87	14	4	deposit	deposit	NOUN
gujaf-87	14	5	money	money	NOUN
gujaf-87	14	6	banks	bank	NOUN
gujaf-87	14	7	should	should	AUX
gujaf-87	14	8	monitor	monitor	VERB
gujaf-87	14	9	its	its	PRON
gujaf-87	14	10	non	non	ADJ
gujaf-87	14	11	-	-	ADJ
gujaf-87	14	12	performing	perform	VERB
gujaf-87	14	13	loan	loan	NOUN
gujaf-87	14	14	ratio	ratio	NOUN
gujaf-87	14	15	for	for	ADP
gujaf-87	14	16	optimum	optimum	ADJ
gujaf-87	14	17	performance	performance	NOUN
gujaf-87	14	18	.	.	PUNCT
gujaf-87	15	1	keywords	keyword	NOUN
gujaf-87	15	2	:	:	PUNCT
gujaf-87	15	3	credit	credit	NOUN
gujaf-87	15	4	risk	risk	NOUN
gujaf-87	15	5	,	,	PUNCT
gujaf-87	15	6	financial	financial	ADJ
gujaf-87	15	7	performance	performance	NOUN
gujaf-87	15	8	,	,	PUNCT
gujaf-87	15	9	legal	legal	ADJ
gujaf-87	15	10	and	and	CCONJ
gujaf-87	15	11	regulatory	regulatory	ADJ
gujaf-87	15	12	risk	risk	NOUN
gujaf-87	15	13	,	,	PUNCT
gujaf-87	15	14	liquidity	liquidity	NOUN
gujaf-87	15	15	risks	risk	NOUN
gujaf-87	15	16	and	and	CCONJ
gujaf-87	15	17	non	non	ADJ
gujaf-87	15	18	-	-	ADJ
gujaf-87	15	19	performing	perform	VERB
gujaf-87	15	20	loan	loan	NOUN
gujaf-87	15	21	.	.	PUNCT
gujaf-87	16	1	1	1	X
gujaf-87	16	2	.	.	X
gujaf-87	16	3	introduction	introduction	NOUN
gujaf-87	16	4	the	the	DET
gujaf-87	16	5	globe	globe	NOUN
gujaf-87	16	6	has	have	AUX
gujaf-87	16	7	witnessed	witness	VERB
gujaf-87	16	8	one	one	NUM
gujaf-87	16	9	of	of	ADP
gujaf-87	16	10	the	the	DET
gujaf-87	16	11	most	most	ADV
gujaf-87	16	12	dramatic	dramatic	ADJ
gujaf-87	16	13	financial	financial	ADJ
gujaf-87	16	14	disasters	disaster	NOUN
gujaf-87	16	15	in	in	ADP
gujaf-87	16	16	the	the	DET
gujaf-87	16	17	last	last	ADJ
gujaf-87	16	18	decade	decade	NOUN
gujaf-87	16	19	(	(	PUNCT
gujaf-87	16	20	badawi	badawi	ADJ
gujaf-87	16	21	,	,	PUNCT
gujaf-87	16	22	2017	2017	NUM
gujaf-87	16	23	)	)	PUNCT
gujaf-87	16	24	.	.	PUNCT
gujaf-87	17	1	the	the	DET
gujaf-87	17	2	repercussions	repercussion	NOUN
gujaf-87	17	3	of	of	ADP
gujaf-87	17	4	which	which	PRON
gujaf-87	17	5	was	be	AUX
gujaf-87	17	6	widespread	widespread	ADJ
gujaf-87	17	7	,	,	PUNCT
gujaf-87	17	8	affecting	affect	VERB
gujaf-87	17	9	practically	practically	ADV
gujaf-87	17	10	every	every	PRON
gujaf-87	17	11	area	area	NOUN
gujaf-87	17	12	of	of	ADP
gujaf-87	17	13	global	global	ADJ
gujaf-87	17	14	business	business	NOUN
gujaf-87	17	15	;	;	PUNCT
gujaf-87	17	16	including	include	VERB
gujaf-87	17	17	the	the	DET
gujaf-87	17	18	financial	financial	ADJ
gujaf-87	17	19	sector	sector	NOUN
gujaf-87	17	20	and	and	CCONJ
gujaf-87	17	21	specifically	specifically	ADV
gujaf-87	17	22	the	the	DET
gujaf-87	17	23	banking	banking	NOUN
gujaf-87	17	24	sector	sector	NOUN
gujaf-87	17	25	.	.	PUNCT
gujaf-87	18	1	the	the	DET
gujaf-87	18	2	impact	impact	NOUN
gujaf-87	18	3	of	of	ADP
gujaf-87	18	4	this	this	DET
gujaf-87	18	5	crisis	crisis	NOUN
gujaf-87	18	6	on	on	ADP
gujaf-87	18	7	the	the	DET
gujaf-87	18	8	sector	sector	NOUN
gujaf-87	18	9	not	not	PART
gujaf-87	18	10	only	only	ADV
gujaf-87	18	11	saw	see	VERB
gujaf-87	18	12	the	the	DET
gujaf-87	18	13	sudden	sudden	ADJ
gujaf-87	18	14	departure	departure	NOUN
gujaf-87	18	15	of	of	ADP
gujaf-87	18	16	well	well	ADV
gujaf-87	18	17	-	-	PUNCT
gujaf-87	18	18	known	know	VERB
gujaf-87	18	19	institutions	institution	NOUN
gujaf-87	18	20	such	such	ADJ
gujaf-87	18	21	as	as	ADP
gujaf-87	18	22	lemanbrothers	lemanbrother	NOUN
gujaf-87	18	23	and	and	CCONJ
gujaf-87	18	24	bear	bear	PROPN
gujaf-87	18	25	stearns	stearn	NOUN
gujaf-87	18	26	,	,	PUNCT
gujaf-87	18	27	but	but	CCONJ
gujaf-87	18	28	also	also	ADV
gujaf-87	18	29	frequent	frequent	ADJ
gujaf-87	18	30	stringent	stringent	ADJ
gujaf-87	18	31	restrictions	restriction	NOUN
gujaf-87	18	32	,	,	PUNCT
gujaf-87	18	33	general	general	ADJ
gujaf-87	18	34	public	public	ADJ
gujaf-87	18	35	outrage	outrage	NOUN
gujaf-87	18	36	,	,	PUNCT
gujaf-87	18	37	and	and	CCONJ
gujaf-87	18	38	empirical	empirical	ADJ
gujaf-87	18	39	criticism	criticism	NOUN
gujaf-87	18	40	(	(	PUNCT
gujaf-87	18	41	nocera	nocera	NOUN
gujaf-87	18	42	,	,	PUNCT
gujaf-87	18	43	2009	2009	NUM
gujaf-87	18	44	;	;	PUNCT
gujaf-87	18	45	valencia	valencia	PROPN
gujaf-87	18	46	,	,	PUNCT
gujaf-87	18	47	2010	2010	NUM
gujaf-87	18	48	)	)	PUNCT
gujaf-87	18	49	.	.	PUNCT
gujaf-87	19	1	the	the	DET
gujaf-87	19	2	causes	cause	NOUN
gujaf-87	19	3	of	of	ADP
gujaf-87	19	4	the	the	DET
gujaf-87	19	5	current	current	ADJ
gujaf-87	19	6	financial	financial	ADJ
gujaf-87	19	7	crisis	crisis	NOUN
gujaf-87	19	8	can	can	AUX
gujaf-87	19	9	be	be	AUX
gujaf-87	19	10	explained	explain	VERB
gujaf-87	19	11	in	in	ADP
gujaf-87	19	12	a	a	DET
gujaf-87	19	13	variety	variety	NOUN
gujaf-87	19	14	of	of	ADP
gujaf-87	19	15	ways	way	NOUN
gujaf-87	19	16	.	.	PUNCT
gujaf-87	20	1	risk	risk	NOUN
gujaf-87	20	2	management	management	NOUN
gujaf-87	20	3	discourse	discourse	NOUN
gujaf-87	20	4	is	be	AUX
gujaf-87	20	5	one	one	NUM
gujaf-87	20	6	aspect	aspect	NOUN
gujaf-87	20	7	that	that	PRON
gujaf-87	20	8	has	have	AUX
gujaf-87	20	9	gotten	get	VERB
gujaf-87	20	10	a	a	DET
gujaf-87	20	11	lot	lot	NOUN
gujaf-87	20	12	of	of	ADP
gujaf-87	20	13	attention	attention	NOUN
gujaf-87	20	14	throughout	throughout	ADP
gujaf-87	20	15	this	this	DET
gujaf-87	20	16	crisis	crisis	NOUN
gujaf-87	20	17	.	.	PUNCT
gujaf-87	21	1	risk	risk	NOUN
gujaf-87	21	2	control	control	NOUN
gujaf-87	21	3	appears	appear	VERB
gujaf-87	21	4	to	to	PART
gujaf-87	21	5	have	have	AUX
gujaf-87	21	6	become	become	VERB
gujaf-87	21	7	an	an	DET
gujaf-87	21	8	important	important	ADJ
gujaf-87	21	9	strategy	strategy	NOUN
gujaf-87	21	10	for	for	SCONJ
gujaf-87	21	11	banks	bank	NOUN
gujaf-87	21	12	to	to	PART
gujaf-87	21	13	gain	gain	VERB
gujaf-87	21	14	credibility	credibility	NOUN
gujaf-87	21	15	in	in	ADP
gujaf-87	21	16	the	the	DET
gujaf-87	21	17	eyes	eye	NOUN
gujaf-87	21	18	of	of	ADP
gujaf-87	21	19	the	the	DET
gujaf-87	21	20	public	public	ADJ
gujaf-87	21	21	and	and	CCONJ
gujaf-87	21	22	authorities	authority	NOUN
gujaf-87	21	23	.	.	PUNCT
gujaf-87	22	1	risk	risk	NOUN
gujaf-87	22	2	has	have	VERB
gujaf-87	22	3	a	a	DET
gujaf-87	22	4	long	long	ADJ
gujaf-87	22	5	history	history	NOUN
gujaf-87	22	6	,	,	PUNCT
gujaf-87	22	7	with	with	ADP
gujaf-87	22	8	some	some	PRON
gujaf-87	22	9	claiming	claim	VERB
gujaf-87	22	10	that	that	SCONJ
gujaf-87	22	11	it	it	PRON
gujaf-87	22	12	has	have	AUX
gujaf-87	22	13	existed	exist	VERB
gujaf-87	22	14	since	since	SCONJ
gujaf-87	22	15	antiquity	antiquity	NOUN
gujaf-87	22	16	.	.	PUNCT
gujaf-87	23	1	risk	risk	NOUN
gujaf-87	23	2	also	also	ADV
gujaf-87	23	3	tainted	taint	VERB
gujaf-87	23	4	a	a	DET
gujaf-87	23	5	universal	universal	ADJ
gujaf-87	23	6	definition	definition	NOUN
gujaf-87	23	7	because	because	SCONJ
gujaf-87	23	8	each	each	DET
gujaf-87	23	9	author	author	NOUN
gujaf-87	23	10	’s	’s	PART
gujaf-87	23	11	attempt	attempt	NOUN
gujaf-87	23	12	used	use	VERB
gujaf-87	23	13	a	a	DET
gujaf-87	23	14	distinct	distinct	ADJ
gujaf-87	23	15	approach	approach	NOUN
gujaf-87	23	16	.	.	PUNCT
gujaf-87	24	1	gallati	gallati	PROPN
gujaf-87	24	2	(	(	PUNCT
gujaf-87	24	3	2003	2003	NUM
gujaf-87	24	4	)	)	PUNCT
gujaf-87	24	5	posits	posit	NOUN
gujaf-87	24	6	that	that	PRON
gujaf-87	24	7	,	,	PUNCT
gujaf-87	24	8	risk	risk	NOUN
gujaf-87	24	9	is	be	AUX
gujaf-87	24	10	a	a	DET
gujaf-87	24	11	condition	condition	NOUN
gujaf-87	24	12	that	that	PRON
gujaf-87	24	13	exposes	expose	VERB
gujaf-87	24	14	a	a	DET
gujaf-87	24	15	person	person	NOUN
gujaf-87	24	16	to	to	ADP
gujaf-87	24	17	adversity	adversity	NOUN
gujaf-87	24	18	or	or	CCONJ
gujaf-87	24	19	situation	situation	NOUN
gujaf-87	24	20	,	,	PUNCT
gujaf-87	24	21	which	which	PRON
gujaf-87	24	22	has	have	VERB
gujaf-87	24	23	inherent	inherent	ADJ
gujaf-87	24	24	chance	chance	NOUN
gujaf-87	24	25	of	of	ADP
gujaf-87	24	26	an	an	DET
gujaf-87	24	27	outcome	outcome	NOUN
gujaf-87	24	28	different	different	ADJ
gujaf-87	24	29	from	from	ADP
gujaf-87	24	30	expectation	expectation	NOUN
gujaf-87	24	31	or	or	CCONJ
gujaf-87	24	32	desire	desire	NOUN
gujaf-87	24	33	.	.	PUNCT
gujaf-87	25	1	it	it	PRON
gujaf-87	25	2	alludes	allude	VERB
gujaf-87	25	3	to	to	PART
gujaf-87	25	4	exposure	exposure	NOUN
gujaf-87	25	5	to	to	ADP
gujaf-87	25	6	danger	danger	NOUN
gujaf-87	25	7	or	or	CCONJ
gujaf-87	25	8	uncertainty	uncertainty	NOUN
gujaf-87	25	9	(	(	PUNCT
gujaf-87	25	10	kannan	kannan	PROPN
gujaf-87	25	11	&	&	CCONJ
gujaf-87	25	12	thangavel	thangavel	NOUN
gujaf-87	25	13	,	,	PUNCT
gujaf-87	25	14	2008	2008	NUM
gujaf-87	25	15	)	)	PUNCT
gujaf-87	25	16	.	.	PUNCT
gujaf-87	26	1	mailto:aalatifat2@gmail.com	mailto:aalatifat2@gmail.com	X
gujaf-87	26	2	3	3	NUM
gujaf-87	26	3	the	the	DET
gujaf-87	26	4	possibility	possibility	NOUN
gujaf-87	26	5	of	of	ADP
gujaf-87	26	6	failure	failure	NOUN
gujaf-87	26	7	or	or	CCONJ
gujaf-87	26	8	loss	loss	NOUN
gujaf-87	26	9	linked	link	VERB
gujaf-87	26	10	with	with	ADP
gujaf-87	26	11	a	a	DET
gujaf-87	26	12	specific	specific	ADJ
gujaf-87	26	13	cause	cause	NOUN
gujaf-87	26	14	of	of	ADP
gujaf-87	26	15	action	action	NOUN
gujaf-87	26	16	is	be	AUX
gujaf-87	26	17	known	know	VERB
gujaf-87	26	18	as	as	ADP
gujaf-87	26	19	risk	risk	NOUN
gujaf-87	26	20	(	(	PUNCT
gujaf-87	26	21	french	french	PROPN
gujaf-87	26	22	&	&	CCONJ
gujaf-87	26	23	saward	saward	PROPN
gujaf-87	26	24	,	,	PUNCT
gujaf-87	26	25	2000	2000	NUM
gujaf-87	26	26	)	)	PUNCT
gujaf-87	26	27	.	.	PUNCT
gujaf-87	27	1	it	it	PRON
gujaf-87	27	2	is	be	AUX
gujaf-87	27	3	the	the	DET
gujaf-87	27	4	statistical	statistical	ADJ
gujaf-87	27	5	expected	expect	VERB
gujaf-87	27	6	value	value	NOUN
gujaf-87	27	7	of	of	ADP
gujaf-87	27	8	unfavorable	unfavorable	ADJ
gujaf-87	27	9	occurrences	occurrence	NOUN
gujaf-87	27	10	that	that	PRON
gujaf-87	27	11	may	may	AUX
gujaf-87	27	12	or	or	CCONJ
gujaf-87	27	13	may	may	AUX
gujaf-87	27	14	not	not	PART
gujaf-87	27	15	occur	occur	VERB
gujaf-87	27	16	.	.	PUNCT
gujaf-87	28	1	hence	hence	ADV
gujaf-87	28	2	,	,	PUNCT
gujaf-87	28	3	risks	risk	NOUN
gujaf-87	28	4	can	can	AUX
gujaf-87	28	5	be	be	AUX
gujaf-87	28	6	defined	define	VERB
gujaf-87	28	7	as	as	ADP
gujaf-87	28	8	the	the	DET
gujaf-87	28	9	adverse	adverse	ADJ
gujaf-87	28	10	influence	influence	NOUN
gujaf-87	28	11	of	of	ADP
gujaf-87	28	12	copious	copious	ADJ
gujaf-87	28	13	bases	basis	NOUN
gujaf-87	28	14	of	of	ADP
gujaf-87	28	15	uncertainty	uncertainty	NOUN
gujaf-87	28	16	on	on	ADP
gujaf-87	28	17	profitability	profitability	NOUN
gujaf-87	28	18	.	.	PUNCT
gujaf-87	29	1	further	far	ADV
gujaf-87	29	2	,	,	PUNCT
gujaf-87	29	3	criteria	criterion	NOUN
gujaf-87	29	4	such	such	ADJ
gujaf-87	29	5	as	as	ADP
gujaf-87	29	6	size	size	NOUN
gujaf-87	29	7	,	,	PUNCT
gujaf-87	29	8	complexity	complexity	NOUN
gujaf-87	29	9	of	of	ADP
gujaf-87	29	10	business	business	NOUN
gujaf-87	29	11	activities	activity	NOUN
gujaf-87	29	12	,	,	PUNCT
gujaf-87	29	13	and	and	CCONJ
gujaf-87	29	14	volume	volume	NOUN
gujaf-87	29	15	of	of	ADP
gujaf-87	29	16	operations	operation	NOUN
gujaf-87	29	17	determines	determine	VERB
gujaf-87	29	18	the	the	DET
gujaf-87	29	19	risk	risk	NOUN
gujaf-87	29	20	exposure	exposure	NOUN
gujaf-87	29	21	of	of	ADP
gujaf-87	29	22	a	a	DET
gujaf-87	29	23	business	business	NOUN
gujaf-87	29	24	,	,	PUNCT
gujaf-87	29	25	banks	bank	NOUN
gujaf-87	29	26	are	be	AUX
gujaf-87	29	27	prone	prone	ADJ
gujaf-87	29	28	to	to	ADP
gujaf-87	29	29	peculiar	peculiar	ADJ
gujaf-87	29	30	risks	risk	NOUN
gujaf-87	29	31	,	,	PUNCT
gujaf-87	29	32	which	which	PRON
gujaf-87	29	33	includes	include	VERB
gujaf-87	29	34	;	;	PUNCT
gujaf-87	29	35	market	market	NOUN
gujaf-87	29	36	,	,	PUNCT
gujaf-87	29	37	credit	credit	NOUN
gujaf-87	29	38	,	,	PUNCT
gujaf-87	29	39	liquidity	liquidity	NOUN
gujaf-87	29	40	,	,	PUNCT
gujaf-87	29	41	market	market	NOUN
gujaf-87	29	42	,	,	PUNCT
gujaf-87	29	43	operational	operational	ADJ
gujaf-87	29	44	,	,	PUNCT
gujaf-87	29	45	compliance	compliance	NOUN
gujaf-87	29	46	,	,	PUNCT
gujaf-87	29	47	legal	legal	ADJ
gujaf-87	29	48	,	,	PUNCT
gujaf-87	29	49	regulatory	regulatory	ADJ
gujaf-87	29	50	frameworks	framework	NOUN
gujaf-87	29	51	,	,	PUNCT
gujaf-87	29	52	and	and	CCONJ
gujaf-87	29	53	reputational	reputational	ADJ
gujaf-87	29	54	risks	risk	NOUN
gujaf-87	29	55	among	among	ADP
gujaf-87	29	56	others	other	NOUN
gujaf-87	29	57	.	.	PUNCT
gujaf-87	30	1	the	the	DET
gujaf-87	30	2	threat	threat	NOUN
gujaf-87	30	3	or	or	CCONJ
gujaf-87	30	4	potential	potential	NOUN
gujaf-87	30	5	that	that	SCONJ
gujaf-87	30	6	an	an	DET
gujaf-87	30	7	action	action	NOUN
gujaf-87	30	8	or	or	CCONJ
gujaf-87	30	9	occurrence	occurrence	NOUN
gujaf-87	30	10	will	will	AUX
gujaf-87	30	11	have	have	AUX
gujaf-87	30	12	a	a	DET
gujaf-87	30	13	positive	positive	ADJ
gujaf-87	30	14	impact	impact	NOUN
gujaf-87	30	15	on	on	ADP
gujaf-87	30	16	an	an	DET
gujaf-87	30	17	organization	organization	NOUN
gujaf-87	30	18	’s	’s	PART
gujaf-87	30	19	capacity	capacity	NOUN
gujaf-87	30	20	to	to	PART
gujaf-87	30	21	fulfill	fulfill	VERB
gujaf-87	30	22	its	its	PRON
gujaf-87	30	23	goals	goal	NOUN
gujaf-87	30	24	is	be	AUX
gujaf-87	30	25	known	know	VERB
gujaf-87	30	26	as	as	ADP
gujaf-87	30	27	risk	risk	NOUN
gujaf-87	30	28	(	(	PUNCT
gujaf-87	30	29	higher	high	ADJ
gujaf-87	30	30	education	education	NOUN
gujaf-87	30	31	funding	funding	NOUN
gujaf-87	30	32	council	council	NOUN
gujaf-87	30	33	,	,	PUNCT
gujaf-87	30	34	2001	2001	NUM
gujaf-87	30	35	)	)	PUNCT
gujaf-87	30	36	.	.	PUNCT
gujaf-87	31	1	control	control	NOUN
gujaf-87	31	2	of	of	ADP
gujaf-87	31	3	risks	risk	NOUN
gujaf-87	31	4	entails	entail	VERB
gujaf-87	31	5	the	the	DET
gujaf-87	31	6	process	process	NOUN
gujaf-87	31	7	of	of	ADP
gujaf-87	31	8	anticipating	anticipate	VERB
gujaf-87	31	9	probable	probable	ADJ
gujaf-87	31	10	risks	risk	NOUN
gujaf-87	31	11	,	,	PUNCT
gujaf-87	31	12	evaluating	evaluate	VERB
gujaf-87	31	13	the	the	DET
gujaf-87	31	14	risks	risk	NOUN
gujaf-87	31	15	and	and	CCONJ
gujaf-87	31	16	taking	take	VERB
gujaf-87	31	17	precautionary	precautionary	ADJ
gujaf-87	31	18	measures	measure	NOUN
gujaf-87	31	19	to	to	PART
gujaf-87	31	20	mitigate	mitigate	VERB
gujaf-87	31	21	the	the	DET
gujaf-87	31	22	risk	risk	NOUN
gujaf-87	31	23	.	.	PUNCT
gujaf-87	32	1	risk	risk	NOUN
gujaf-87	32	2	control	control	NOUN
gujaf-87	32	3	(	(	PUNCT
gujaf-87	32	4	rc	rc	PROPN
gujaf-87	32	5	)	)	PUNCT
gujaf-87	32	6	is	be	AUX
gujaf-87	32	7	aimed	aim	VERB
gujaf-87	32	8	at	at	ADP
gujaf-87	32	9	detection	detection	NOUN
gujaf-87	32	10	what	what	PRON
gujaf-87	32	11	of	of	ADP
gujaf-87	32	12	risks	risk	NOUN
gujaf-87	32	13	,	,	PUNCT
gujaf-87	32	14	assessment	assessment	NOUN
gujaf-87	32	15	of	of	ADP
gujaf-87	32	16	risks	risk	NOUN
gujaf-87	32	17	and	and	CCONJ
gujaf-87	32	18	instating	instate	VERB
gujaf-87	32	19	measures	measure	NOUN
gujaf-87	32	20	and	and	CCONJ
gujaf-87	32	21	control	control	NOUN
gujaf-87	32	22	to	to	ADP
gujaf-87	32	23	identified	identify	VERB
gujaf-87	32	24	risks	risk	NOUN
gujaf-87	32	25	.	.	PUNCT
gujaf-87	33	1	rc	rc	PROPN
gujaf-87	33	2	is	be	AUX
gujaf-87	33	3	essentially	essentially	ADV
gujaf-87	33	4	relevant	relevant	ADJ
gujaf-87	33	5	to	to	ADP
gujaf-87	33	6	the	the	DET
gujaf-87	33	7	financial	financial	ADJ
gujaf-87	33	8	sector	sector	NOUN
gujaf-87	33	9	than	than	ADP
gujaf-87	33	10	other	other	ADJ
gujaf-87	33	11	sectors	sector	NOUN
gujaf-87	33	12	.	.	PUNCT
gujaf-87	34	1	banking	banking	NOUN
gujaf-87	34	2	and	and	CCONJ
gujaf-87	34	3	other	other	ADJ
gujaf-87	34	4	financial	financial	ADJ
gujaf-87	34	5	institutions	institution	NOUN
gujaf-87	34	6	are	be	AUX
gujaf-87	34	7	open	open	ADJ
gujaf-87	34	8	to	to	ADP
gujaf-87	34	9	and	and	CCONJ
gujaf-87	34	10	accept	accept	VERB
gujaf-87	34	11	the	the	DET
gujaf-87	34	12	risk	risk	NOUN
gujaf-87	34	13	of	of	ADP
gujaf-87	34	14	uncertainty	uncertainty	NOUN
gujaf-87	34	15	,	,	PUNCT
gujaf-87	34	16	as	as	ADV
gujaf-87	34	17	well	well	ADV
gujaf-87	34	18	as	as	ADP
gujaf-87	34	19	provide	provide	VERB
gujaf-87	34	20	guidance	guidance	NOUN
gujaf-87	34	21	on	on	ADP
gujaf-87	34	22	how	how	SCONJ
gujaf-87	34	23	to	to	PART
gujaf-87	34	24	deal	deal	VERB
gujaf-87	34	25	with	with	ADP
gujaf-87	34	26	divergent	divergent	ADJ
gujaf-87	34	27	viewpoints	viewpoint	NOUN
gujaf-87	34	28	,	,	PUNCT
gujaf-87	34	29	which	which	PRON
gujaf-87	34	30	has	have	AUX
gujaf-87	34	31	become	become	VERB
gujaf-87	34	32	the	the	DET
gujaf-87	34	33	bedrock	bedrock	NOUN
gujaf-87	34	34	of	of	ADP
gujaf-87	34	35	risk	risk	NOUN
gujaf-87	34	36	management	management	NOUN
gujaf-87	34	37	carey	carey	NOUN
gujaf-87	34	38	(	(	PUNCT
gujaf-87	34	39	2001	2001	NUM
gujaf-87	34	40	)	)	PUNCT
gujaf-87	34	41	.	.	PUNCT
gujaf-87	35	1	the	the	DET
gujaf-87	35	2	key	key	NOUN
gujaf-87	35	3	to	to	ADP
gujaf-87	35	4	effective	effective	ADJ
gujaf-87	35	5	risk	risk	NOUN
gujaf-87	35	6	management	management	NOUN
gujaf-87	35	7	,	,	PUNCT
gujaf-87	35	8	according	accord	VERB
gujaf-87	35	9	to	to	ADP
gujaf-87	35	10	pandey	pandey	PROPN
gujaf-87	35	11	(	(	PUNCT
gujaf-87	35	12	2004	2004	NUM
gujaf-87	35	13	)	)	PUNCT
gujaf-87	35	14	,	,	PUNCT
gujaf-87	35	15	is	be	AUX
gujaf-87	35	16	not	not	PART
gujaf-87	35	17	to	to	PART
gujaf-87	35	18	eliminate	eliminate	VERB
gujaf-87	35	19	the	the	DET
gujaf-87	35	20	various	various	ADJ
gujaf-87	35	21	inherent	inherent	ADJ
gujaf-87	35	22	risks	risk	NOUN
gujaf-87	35	23	.	.	PUNCT
gujaf-87	36	1	bank	bank	NOUN
gujaf-87	36	2	lending	lending	NOUN
gujaf-87	36	3	operations	operation	NOUN
gujaf-87	36	4	,	,	PUNCT
gujaf-87	36	5	for	for	ADP
gujaf-87	36	6	example	example	NOUN
gujaf-87	36	7	,	,	PUNCT
gujaf-87	36	8	carry	carry	VERB
gujaf-87	36	9	the	the	DET
gujaf-87	36	10	risk	risk	NOUN
gujaf-87	36	11	of	of	ADP
gujaf-87	36	12	likely	likely	ADJ
gujaf-87	36	13	loan	loan	NOUN
gujaf-87	36	14	losses	loss	NOUN
gujaf-87	36	15	(	(	PUNCT
gujaf-87	36	16	credit	credit	NOUN
gujaf-87	36	17	risk	risk	NOUN
gujaf-87	36	18	)	)	PUNCT
gujaf-87	36	19	,	,	PUNCT
gujaf-87	36	20	which	which	PRON
gujaf-87	36	21	when	when	SCONJ
gujaf-87	36	22	taken	take	VERB
gujaf-87	36	23	results	result	NOUN
gujaf-87	36	24	in	in	ADP
gujaf-87	36	25	premium	premium	NOUN
gujaf-87	36	26	and	and	CCONJ
gujaf-87	36	27	an	an	DET
gujaf-87	36	28	increase	increase	NOUN
gujaf-87	36	29	in	in	ADP
gujaf-87	36	30	profits	profit	NOUN
gujaf-87	36	31	.	.	PUNCT
gujaf-87	37	1	hence	hence	ADV
gujaf-87	37	2	,	,	PUNCT
gujaf-87	37	3	risks	risk	NOUN
gujaf-87	37	4	are	be	AUX
gujaf-87	37	5	sources	source	NOUN
gujaf-87	37	6	of	of	ADP
gujaf-87	37	7	profit	profit	NOUN
gujaf-87	37	8	to	to	ADP
gujaf-87	37	9	banks	bank	NOUN
gujaf-87	37	10	.	.	PUNCT
gujaf-87	38	1	risk	risk	NOUN
gujaf-87	38	2	control	control	NOUN
gujaf-87	38	3	,	,	PUNCT
gujaf-87	38	4	according	accord	VERB
gujaf-87	38	5	to	to	ADP
gujaf-87	38	6	ozturk	ozturk	NOUN
gujaf-87	38	7	and	and	CCONJ
gujaf-87	38	8	aktan	aktan	ADJ
gujaf-87	38	9	(	(	PUNCT
gujaf-87	38	10	2007	2007	NUM
gujaf-87	38	11	)	)	PUNCT
gujaf-87	38	12	,	,	PUNCT
gujaf-87	38	13	managers	manager	NOUN
gujaf-87	38	14	meet	meet	VERB
gujaf-87	38	15	risks	risk	NOUN
gujaf-87	38	16	demands	demand	NOUN
gujaf-87	38	17	by	by	ADP
gujaf-87	38	18	classifying	classify	VERB
gujaf-87	38	19	significant	significant	ADJ
gujaf-87	38	20	risks	risk	NOUN
gujaf-87	38	21	,	,	PUNCT
gujaf-87	38	22	acquiring	acquire	VERB
gujaf-87	38	23	reliable	reliable	ADJ
gujaf-87	38	24	operational	operational	ADJ
gujaf-87	38	25	risk	risk	NOUN
gujaf-87	38	26	procedures	procedure	NOUN
gujaf-87	38	27	,	,	PUNCT
gujaf-87	38	28	deciding	decide	VERB
gujaf-87	38	29	what	what	PRON
gujaf-87	38	30	risks	risk	NOUN
gujaf-87	38	31	to	to	PART
gujaf-87	38	32	reduce	reduce	VERB
gujaf-87	38	33	,	,	PUNCT
gujaf-87	38	34	enhance	enhance	VERB
gujaf-87	38	35	and	and	CCONJ
gujaf-87	38	36	how	how	SCONJ
gujaf-87	38	37	,	,	PUNCT
gujaf-87	38	38	and	and	CCONJ
gujaf-87	38	39	implementing	implement	VERB
gujaf-87	38	40	methods	method	NOUN
gujaf-87	38	41	of	of	ADP
gujaf-87	38	42	monitoring	monitor	VERB
gujaf-87	38	43	the	the	DET
gujaf-87	38	44	risk	risk	NOUN
gujaf-87	38	45	.	.	PUNCT
gujaf-87	39	1	identification	identification	NOUN
gujaf-87	39	2	of	of	ADP
gujaf-87	39	3	risks	risk	NOUN
gujaf-87	39	4	prepares	prepare	VERB
gujaf-87	39	5	businesses	business	NOUN
gujaf-87	39	6	to	to	PART
gujaf-87	39	7	effectively	effectively	ADV
gujaf-87	39	8	deal	deal	VERB
gujaf-87	39	9	with	with	ADP
gujaf-87	39	10	it	it	PRON
gujaf-87	39	11	.	.	PUNCT
gujaf-87	40	1	banking	banking	NOUN
gujaf-87	40	2	,	,	PUNCT
gujaf-87	40	3	by	by	ADP
gujaf-87	40	4	its	its	PRON
gujaf-87	40	5	very	very	ADJ
gujaf-87	40	6	nature	nature	NOUN
gujaf-87	40	7	,	,	PUNCT
gujaf-87	40	8	is	be	AUX
gujaf-87	40	9	a	a	DET
gujaf-87	40	10	high	high	ADJ
gujaf-87	40	11	-	-	PUNCT
gujaf-87	40	12	risk	risk	NOUN
gujaf-87	40	13	business	business	NOUN
gujaf-87	40	14	.	.	PUNCT
gujaf-87	41	1	banks	bank	NOUN
gujaf-87	41	2	keep	keep	VERB
gujaf-87	41	3	money	money	NOUN
gujaf-87	41	4	safe	safe	ADJ
gujaf-87	41	5	and	and	CCONJ
gujaf-87	41	6	lend	lend	VERB
gujaf-87	41	7	it	it	PRON
gujaf-87	41	8	out	out	ADP
gujaf-87	41	9	,	,	PUNCT
gujaf-87	41	10	as	as	ADV
gujaf-87	41	11	well	well	ADV
gujaf-87	41	12	as	as	ADP
gujaf-87	41	13	provide	provide	VERB
gujaf-87	41	14	credit	credit	NOUN
gujaf-87	41	15	and	and	CCONJ
gujaf-87	41	16	lending	lending	NOUN
gujaf-87	41	17	services	service	NOUN
gujaf-87	41	18	through	through	ADP
gujaf-87	41	19	debit	debit	NOUN
gujaf-87	41	20	cards	card	NOUN
gujaf-87	41	21	,	,	PUNCT
gujaf-87	41	22	debit	debit	NOUN
gujaf-87	41	23	notes	note	NOUN
gujaf-87	41	24	,	,	PUNCT
gujaf-87	41	25	discounting	discount	VERB
gujaf-87	41	26	bills	bill	NOUN
gujaf-87	41	27	among	among	ADP
gujaf-87	41	28	others	other	NOUN
gujaf-87	41	29	.	.	PUNCT
gujaf-87	42	1	insurance	insurance	NOUN
gujaf-87	42	2	and	and	CCONJ
gujaf-87	42	3	investment	investment	NOUN
gujaf-87	42	4	products	product	NOUN
gujaf-87	42	5	that	that	PRON
gujaf-87	42	6	may	may	AUX
gujaf-87	42	7	be	be	AUX
gujaf-87	42	8	offered	offer	VERB
gujaf-87	42	9	by	by	ADP
gujaf-87	42	10	banks	bank	NOUN
gujaf-87	42	11	(	(	PUNCT
gujaf-87	42	12	kamleitner	kamleitner	NOUN
gujaf-87	42	13	,	,	PUNCT
gujaf-87	42	14	et	et	PROPN
gujaf-87	42	15	al	al	PROPN
gujaf-87	42	16	.	.	PROPN
gujaf-87	42	17	,	,	PUNCT
gujaf-87	42	18	2011	2011	NUM
gujaf-87	42	19	)	)	PUNCT
gujaf-87	42	20	.	.	PUNCT
gujaf-87	43	1	through	through	ADP
gujaf-87	43	2	the	the	DET
gujaf-87	43	3	financial	financial	ADJ
gujaf-87	43	4	intermediary	intermediary	NOUN
gujaf-87	43	5	function	function	NOUN
gujaf-87	43	6	and	and	CCONJ
gujaf-87	43	7	the	the	DET
gujaf-87	43	8	spread	spread	NOUN
gujaf-87	43	9	,	,	PUNCT
gujaf-87	43	10	the	the	DET
gujaf-87	43	11	breadth	breadth	NOUN
gujaf-87	43	12	and	and	CCONJ
gujaf-87	43	13	coverage	coverage	NOUN
gujaf-87	43	14	of	of	ADP
gujaf-87	43	15	banking	banking	NOUN
gujaf-87	43	16	activities	activity	NOUN
gujaf-87	43	17	were	be	AUX
gujaf-87	43	18	deemed	deem	VERB
gujaf-87	43	19	appropriate	appropriate	ADJ
gujaf-87	43	20	for	for	ADP
gujaf-87	43	21	the	the	DET
gujaf-87	43	22	proper	proper	ADJ
gujaf-87	43	23	implementation	implementation	NOUN
gujaf-87	43	24	of	of	ADP
gujaf-87	43	25	monetary	monetary	ADJ
gujaf-87	43	26	policy	policy	NOUN
gujaf-87	43	27	and	and	CCONJ
gujaf-87	43	28	the	the	DET
gujaf-87	43	29	anticipated	anticipated	ADJ
gujaf-87	43	30	reform	reform	NOUN
gujaf-87	43	31	.	.	PUNCT
gujaf-87	44	1	the	the	DET
gujaf-87	44	2	capability	capability	NOUN
gujaf-87	44	3	and	and	CCONJ
gujaf-87	44	4	ability	ability	NOUN
gujaf-87	44	5	of	of	ADP
gujaf-87	44	6	an	an	DET
gujaf-87	44	7	organization	organization	NOUN
gujaf-87	44	8	to	to	PART
gujaf-87	44	9	achieve	achieve	VERB
gujaf-87	44	10	its	its	PRON
gujaf-87	44	11	goals	goal	NOUN
gujaf-87	44	12	is	be	AUX
gujaf-87	44	13	reflected	reflect	VERB
gujaf-87	44	14	in	in	ADP
gujaf-87	44	15	its	its	PRON
gujaf-87	44	16	performance	performance	NOUN
gujaf-87	44	17	(	(	PUNCT
gujaf-87	44	18	eccles	eccle	NOUN
gujaf-87	44	19	,	,	PUNCT
gujaf-87	44	20	1991	1991	NUM
gujaf-87	44	21	)	)	PUNCT
gujaf-87	44	22	.	.	PUNCT
gujaf-87	45	1	performance	performance	NOUN
gujaf-87	45	2	is	be	AUX
gujaf-87	45	3	the	the	DET
gujaf-87	45	4	process	process	NOUN
gujaf-87	45	5	of	of	ADP
gujaf-87	45	6	aligning	align	VERB
gujaf-87	45	7	individual	individual	ADJ
gujaf-87	45	8	employee	employee	NOUN
gujaf-87	45	9	goals	goal	NOUN
gujaf-87	45	10	with	with	ADP
gujaf-87	45	11	organizational	organizational	ADJ
gujaf-87	45	12	goals	goal	NOUN
gujaf-87	45	13	in	in	ADP
gujaf-87	45	14	order	order	NOUN
gujaf-87	45	15	to	to	PART
gujaf-87	45	16	achieve	achieve	VERB
gujaf-87	45	17	a	a	DET
gujaf-87	45	18	common	common	ADJ
gujaf-87	45	19	goal	goal	NOUN
gujaf-87	45	20	that	that	PRON
gujaf-87	45	21	leads	lead	VERB
gujaf-87	45	22	to	to	ADP
gujaf-87	45	23	increased	increase	VERB
gujaf-87	45	24	productivity	productivity	NOUN
gujaf-87	45	25	and	and	CCONJ
gujaf-87	45	26	growth	growth	NOUN
gujaf-87	45	27	.	.	PUNCT
gujaf-87	46	1	the	the	DET
gujaf-87	46	2	overall	overall	ADJ
gujaf-87	46	3	goal	goal	NOUN
gujaf-87	46	4	of	of	ADP
gujaf-87	46	5	evaluating	evaluate	VERB
gujaf-87	46	6	performance	performance	NOUN
gujaf-87	46	7	is	be	AUX
gujaf-87	46	8	hedged	hedge	VERB
gujaf-87	46	9	on	on	ADP
gujaf-87	46	10	enhancing	enhance	VERB
gujaf-87	46	11	high	high	ADJ
gujaf-87	46	12	-	-	PUNCT
gujaf-87	46	13	performance	performance	NOUN
gujaf-87	46	14	culture	culture	NOUN
gujaf-87	46	15	that	that	PRON
gujaf-87	46	16	encourage	encourage	VERB
gujaf-87	46	17	individuals	individual	NOUN
gujaf-87	46	18	and	and	CCONJ
gujaf-87	46	19	teams	team	NOUN
gujaf-87	46	20	to	to	PART
gujaf-87	46	21	take	take	VERB
gujaf-87	46	22	responsibility	responsibility	NOUN
gujaf-87	46	23	for	for	ADP
gujaf-87	46	24	the	the	DET
gujaf-87	46	25	unceasing	unceasing	ADJ
gujaf-87	46	26	upgrade	upgrade	NOUN
gujaf-87	46	27	of	of	ADP
gujaf-87	46	28	business	business	NOUN
gujaf-87	46	29	processes	process	NOUN
gujaf-87	46	30	and	and	CCONJ
gujaf-87	46	31	the	the	DET
gujaf-87	46	32	abilities	ability	NOUN
gujaf-87	46	33	to	to	PART
gujaf-87	46	34	contribute	contribute	VERB
gujaf-87	46	35	to	to	ADP
gujaf-87	46	36	meeting	meet	VERB
gujaf-87	46	37	management	management	NOUN
gujaf-87	46	38	’s	’s	PART
gujaf-87	46	39	needs	need	NOUN
gujaf-87	46	40	.	.	PUNCT
gujaf-87	47	1	financial	financial	ADJ
gujaf-87	47	2	performance	performance	NOUN
gujaf-87	47	3	(	(	PUNCT
gujaf-87	47	4	fp	fp	NOUN
gujaf-87	47	5	)	)	PUNCT
gujaf-87	47	6	,	,	PUNCT
gujaf-87	47	7	on	on	ADP
gujaf-87	47	8	the	the	DET
gujaf-87	47	9	other	other	ADJ
gujaf-87	47	10	hand	hand	NOUN
gujaf-87	47	11	,	,	PUNCT
gujaf-87	47	12	is	be	AUX
gujaf-87	47	13	a	a	DET
gujaf-87	47	14	monetary	monetary	ADJ
gujaf-87	47	15	measure	measure	NOUN
gujaf-87	47	16	of	of	ADP
gujaf-87	47	17	the	the	DET
gujaf-87	47	18	outcomes	outcome	NOUN
gujaf-87	47	19	of	of	ADP
gujaf-87	47	20	a	a	DET
gujaf-87	47	21	company	company	NOUN
gujaf-87	47	22	’s	’s	PART
gujaf-87	47	23	policies	policy	NOUN
gujaf-87	47	24	and	and	CCONJ
gujaf-87	47	25	operations	operation	NOUN
gujaf-87	47	26	.	.	PUNCT
gujaf-87	48	1	these	these	DET
gujaf-87	48	2	outcomes	outcome	NOUN
gujaf-87	48	3	mostly	mostly	ADV
gujaf-87	48	4	reflected	reflect	VERB
gujaf-87	48	5	on	on	ADP
gujaf-87	48	6	return	return	NOUN
gujaf-87	48	7	on	on	ADP
gujaf-87	48	8	assets	asset	NOUN
gujaf-87	48	9	(	(	PUNCT
gujaf-87	48	10	roa	roa	NOUN
gujaf-87	48	11	)	)	PUNCT
gujaf-87	48	12	,	,	PUNCT
gujaf-87	48	13	return	return	VERB
gujaf-87	48	14	on	on	ADP
gujaf-87	48	15	investment	investment	NOUN
gujaf-87	48	16	(	(	PUNCT
gujaf-87	48	17	roi	roi	NOUN
gujaf-87	48	18	)	)	PUNCT
gujaf-87	48	19	,	,	PUNCT
gujaf-87	48	20	shareholders	shareholder	NOUN
gujaf-87	48	21	fund	fund	NOUN
gujaf-87	48	22	,	,	PUNCT
gujaf-87	48	23	profitability	profitability	NOUN
gujaf-87	48	24	,	,	PUNCT
gujaf-87	48	25	and	and	CCONJ
gujaf-87	48	26	its	its	PRON
gujaf-87	48	27	components	component	NOUN
gujaf-87	48	28	.	.	PUNCT
gujaf-87	49	1	the	the	DET
gujaf-87	49	2	measure	measure	NOUN
gujaf-87	49	3	of	of	ADP
gujaf-87	49	4	how	how	SCONJ
gujaf-87	49	5	effective	effective	ADJ
gujaf-87	49	6	a	a	DET
gujaf-87	49	7	firm	firm	ADJ
gujaf-87	49	8	utilizes	utilizes	ADJ
gujaf-87	49	9	assets	asset	NOUN
gujaf-87	49	10	bought	buy	VERB
gujaf-87	49	11	for	for	ADP
gujaf-87	49	12	its	its	PRON
gujaf-87	49	13	principal	principal	ADJ
gujaf-87	49	14	method	method	NOUN
gujaf-87	49	15	of	of	ADP
gujaf-87	49	16	operation	operation	NOUN
gujaf-87	49	17	to	to	PART
gujaf-87	49	18	earn	earn	VERB
gujaf-87	49	19	income	income	NOUN
gujaf-87	49	20	is	be	AUX
gujaf-87	49	21	referred	refer	VERB
gujaf-87	49	22	to	to	ADP
gujaf-87	49	23	as	as	ADP
gujaf-87	49	24	financial	financial	ADJ
gujaf-87	49	25	performance	performance	NOUN
gujaf-87	49	26	.	.	PUNCT
gujaf-87	50	1	fp	fp	X
gujaf-87	50	2	is	be	AUX
gujaf-87	50	3	also	also	ADV
gujaf-87	50	4	a	a	DET
gujaf-87	50	5	general	general	ADJ
gujaf-87	50	6	yardstick	yardstick	NOUN
gujaf-87	50	7	for	for	ADP
gujaf-87	50	8	the	the	DET
gujaf-87	50	9	evaluation	evaluation	NOUN
gujaf-87	50	10	of	of	ADP
gujaf-87	50	11	a	a	DET
gujaf-87	50	12	firm	firm	NOUN
gujaf-87	50	13	’s	’s	PART
gujaf-87	50	14	overall	overall	ADJ
gujaf-87	50	15	financial	financial	ADJ
gujaf-87	50	16	health	health	NOUN
gujaf-87	50	17	and	and	CCONJ
gujaf-87	50	18	it	it	PRON
gujaf-87	50	19	is	be	AUX
gujaf-87	50	20	used	use	VERB
gujaf-87	50	21	in	in	ADP
gujaf-87	50	22	comparing	compare	VERB
gujaf-87	50	23	similar	similar	ADJ
gujaf-87	50	24	companies	company	NOUN
gujaf-87	50	25	within	within	ADP
gujaf-87	50	26	the	the	DET
gujaf-87	50	27	same	same	ADJ
gujaf-87	50	28	industry	industry	NOUN
gujaf-87	50	29	.	.	PUNCT
gujaf-87	51	1	although	although	SCONJ
gujaf-87	51	2	the	the	DET
gujaf-87	51	3	nigerian	nigerian	ADJ
gujaf-87	51	4	banking	banking	NOUN
gujaf-87	51	5	sector	sector	NOUN
gujaf-87	51	6	has	have	AUX
gujaf-87	51	7	been	be	AUX
gujaf-87	51	8	undergoing	undergo	VERB
gujaf-87	51	9	ongoing	ongoing	ADJ
gujaf-87	51	10	reform	reform	NOUN
gujaf-87	51	11	since	since	SCONJ
gujaf-87	51	12	1999	1999	NUM
gujaf-87	51	13	,	,	PUNCT
gujaf-87	51	14	the	the	DET
gujaf-87	51	15	first	first	ADJ
gujaf-87	51	16	4	4	NUM
gujaf-87	51	17	major	major	ADJ
gujaf-87	51	18	exercise	exercise	NOUN
gujaf-87	51	19	was	be	AUX
gujaf-87	51	20	the	the	DET
gujaf-87	51	21	assessment	assessment	NOUN
gujaf-87	51	22	of	of	ADP
gujaf-87	51	23	risk	risk	NOUN
gujaf-87	51	24	asset	asset	NOUN
gujaf-87	51	25	quality	quality	NOUN
gujaf-87	51	26	of	of	ADP
gujaf-87	51	27	banks	bank	NOUN
gujaf-87	51	28	,	,	PUNCT
gujaf-87	51	29	which	which	PRON
gujaf-87	51	30	resulted	result	VERB
gujaf-87	51	31	in	in	ADP
gujaf-87	51	32	the	the	DET
gujaf-87	51	33	resignation	resignation	NOUN
gujaf-87	51	34	of	of	ADP
gujaf-87	51	35	eight	eight	NUM
gujaf-87	51	36	ceos	ceos	NOUN
gujaf-87	51	37	and	and	CCONJ
gujaf-87	51	38	the	the	DET
gujaf-87	51	39	infusion	infusion	NOUN
gujaf-87	51	40	of	of	ADP
gujaf-87	51	41	n600	n600	PROPN
gujaf-87	51	42	billion	billion	NUM
gujaf-87	51	43	into	into	ADP
gujaf-87	51	44	the	the	DET
gujaf-87	51	45	banking	banking	NOUN
gujaf-87	51	46	system	system	NOUN
gujaf-87	51	47	(	(	PUNCT
gujaf-87	51	48	bgl	bgl	PROPN
gujaf-87	51	49	2010	2010	NUM
gujaf-87	51	50	)	)	PUNCT
gujaf-87	51	51	.	.	PUNCT
gujaf-87	52	1	however	however	ADV
gujaf-87	52	2	,	,	PUNCT
gujaf-87	52	3	while	while	SCONJ
gujaf-87	52	4	the	the	DET
gujaf-87	52	5	monetary	monetary	ADJ
gujaf-87	52	6	bailout	bailout	NOUN
gujaf-87	52	7	provided	provide	VERB
gujaf-87	52	8	banks	bank	NOUN
gujaf-87	52	9	with	with	ADP
gujaf-87	52	10	fresh	fresh	ADJ
gujaf-87	52	11	capital	capital	NOUN
gujaf-87	52	12	and	and	CCONJ
gujaf-87	52	13	cash	cash	NOUN
gujaf-87	52	14	,	,	PUNCT
gujaf-87	52	15	it	it	PRON
gujaf-87	52	16	must	must	AUX
gujaf-87	52	17	strengthen	strengthen	VERB
gujaf-87	52	18	its	its	PRON
gujaf-87	52	19	resolve	resolve	NOUN
gujaf-87	52	20	in	in	ADP
gujaf-87	52	21	order	order	NOUN
gujaf-87	52	22	to	to	PART
gujaf-87	52	23	succeed	succeed	VERB
gujaf-87	52	24	in	in	ADP
gujaf-87	52	25	the	the	DET
gujaf-87	52	26	future	future	NOUN
gujaf-87	52	27	,	,	PUNCT
gujaf-87	52	28	and	and	CCONJ
gujaf-87	52	29	one	one	NUM
gujaf-87	52	30	way	way	NOUN
gujaf-87	52	31	out	out	ADV
gujaf-87	52	32	is	be	AUX
gujaf-87	52	33	to	to	PART
gujaf-87	52	34	establish	establish	VERB
gujaf-87	52	35	a	a	DET
gujaf-87	52	36	sound	sound	ADJ
gujaf-87	52	37	risk	risk	NOUN
gujaf-87	52	38	management	management	NOUN
gujaf-87	52	39	framework	framework	NOUN
gujaf-87	52	40	.	.	PUNCT
gujaf-87	53	1	due	due	ADP
gujaf-87	53	2	to	to	ADP
gujaf-87	53	3	the	the	DET
gujaf-87	53	4	fact	fact	NOUN
gujaf-87	53	5	that	that	SCONJ
gujaf-87	53	6	many	many	ADJ
gujaf-87	53	7	banks	bank	NOUN
gujaf-87	53	8	have	have	AUX
gujaf-87	53	9	not	not	PART
gujaf-87	53	10	been	be	AUX
gujaf-87	53	11	able	able	ADJ
gujaf-87	53	12	to	to	PART
gujaf-87	53	13	build	build	VERB
gujaf-87	53	14	a	a	DET
gujaf-87	53	15	clear	clear	ADJ
gujaf-87	53	16	risk	risk	NOUN
gujaf-87	53	17	management	management	NOUN
gujaf-87	53	18	framework	framework	NOUN
gujaf-87	53	19	,	,	PUNCT
gujaf-87	53	20	notably	notably	ADV
gujaf-87	53	21	for	for	ADP
gujaf-87	53	22	credit	credit	NOUN
gujaf-87	53	23	risk	risk	NOUN
gujaf-87	53	24	,	,	PUNCT
gujaf-87	53	25	liquidity	liquidity	NOUN
gujaf-87	53	26	risk	risk	NOUN
gujaf-87	53	27	,	,	PUNCT
gujaf-87	53	28	operational	operational	ADJ
gujaf-87	53	29	risk	risk	NOUN
gujaf-87	53	30	,	,	PUNCT
gujaf-87	53	31	legal	legal	ADJ
gujaf-87	53	32	and	and	CCONJ
gujaf-87	53	33	other	other	ADJ
gujaf-87	53	34	regulatory	regulatory	ADJ
gujaf-87	53	35	risks	risk	NOUN
gujaf-87	53	36	,	,	PUNCT
gujaf-87	53	37	the	the	DET
gujaf-87	53	38	financial	financial	ADJ
gujaf-87	53	39	system	system	NOUN
gujaf-87	53	40	in	in	ADP
gujaf-87	53	41	nigeria	nigeria	PROPN
gujaf-87	53	42	is	be	AUX
gujaf-87	53	43	still	still	ADV
gujaf-87	53	44	in	in	ADP
gujaf-87	53	45	its	its	PRON
gujaf-87	53	46	infancy	infancy	NOUN
gujaf-87	53	47	and	and	CCONJ
gujaf-87	53	48	is	be	AUX
gujaf-87	53	49	undergoing	undergo	VERB
gujaf-87	53	50	a	a	DET
gujaf-87	53	51	series	series	NOUN
gujaf-87	53	52	of	of	ADP
gujaf-87	53	53	reforms	reform	NOUN
gujaf-87	53	54	.	.	PUNCT
gujaf-87	54	1	several	several	ADJ
gujaf-87	54	2	empirical	empirical	ADJ
gujaf-87	54	3	studies	study	NOUN
gujaf-87	54	4	have	have	AUX
gujaf-87	54	5	been	be	AUX
gujaf-87	54	6	published	publish	VERB
gujaf-87	54	7	that	that	PRON
gujaf-87	54	8	look	look	VERB
gujaf-87	54	9	at	at	ADP
gujaf-87	54	10	the	the	DET
gujaf-87	54	11	influence	influence	NOUN
gujaf-87	54	12	of	of	ADP
gujaf-87	54	13	risk	risk	NOUN
gujaf-87	54	14	on	on	ADP
gujaf-87	54	15	financial	financial	ADJ
gujaf-87	54	16	performance	performance	NOUN
gujaf-87	54	17	around	around	ADP
gujaf-87	54	18	the	the	DET
gujaf-87	54	19	world	world	NOUN
gujaf-87	54	20	.	.	PUNCT
gujaf-87	55	1	however	however	ADV
gujaf-87	55	2	,	,	PUNCT
gujaf-87	55	3	only	only	ADV
gujaf-87	55	4	a	a	DET
gujaf-87	55	5	few	few	ADJ
gujaf-87	55	6	studies	study	NOUN
gujaf-87	55	7	have	have	AUX
gujaf-87	55	8	looked	look	VERB
gujaf-87	55	9	at	at	ADP
gujaf-87	55	10	the	the	DET
gujaf-87	55	11	impact	impact	NOUN
gujaf-87	55	12	of	of	ADP
gujaf-87	55	13	bank	bank	NOUN
gujaf-87	55	14	risk	risk	NOUN
gujaf-87	55	15	on	on	ADP
gujaf-87	55	16	financial	financial	ADJ
gujaf-87	55	17	performance	performance	NOUN
gujaf-87	55	18	,	,	PUNCT
gujaf-87	55	19	using	use	VERB
gujaf-87	55	20	liquidity	liquidity	NOUN
gujaf-87	55	21	risk	risk	NOUN
gujaf-87	55	22	,	,	PUNCT
gujaf-87	55	23	credit	credit	NOUN
gujaf-87	55	24	risk	risk	NOUN
gujaf-87	55	25	,	,	PUNCT
gujaf-87	55	26	operational	operational	ADJ
gujaf-87	55	27	risks	risk	NOUN
gujaf-87	55	28	,	,	PUNCT
gujaf-87	55	29	as	as	ADV
gujaf-87	55	30	well	well	ADV
gujaf-87	55	31	as	as	ADP
gujaf-87	55	32	legal	legal	ADJ
gujaf-87	55	33	and	and	CCONJ
gujaf-87	55	34	regulatory	regulatory	ADJ
gujaf-87	55	35	risk	risk	NOUN
gujaf-87	55	36	,	,	PUNCT
gujaf-87	55	37	to	to	PART
gujaf-87	55	38	determine	determine	VERB
gujaf-87	55	39	bank	bank	NOUN
gujaf-87	55	40	financial	financial	ADJ
gujaf-87	55	41	performance	performance	NOUN
gujaf-87	55	42	in	in	ADP
gujaf-87	55	43	general	general	ADJ
gujaf-87	55	44	and	and	CCONJ
gujaf-87	55	45	in	in	ADP
gujaf-87	55	46	nigeria	nigeria	PROPN
gujaf-87	55	47	in	in	ADP
gujaf-87	55	48	particular	particular	ADJ
gujaf-87	55	49	.	.	PUNCT
gujaf-87	56	1	furthermore	furthermore	ADV
gujaf-87	56	2	,	,	PUNCT
gujaf-87	56	3	the	the	DET
gujaf-87	56	4	majority	majority	NOUN
gujaf-87	56	5	of	of	ADP
gujaf-87	56	6	investigations	investigation	NOUN
gujaf-87	56	7	were	be	AUX
gujaf-87	56	8	completed	complete	VERB
gujaf-87	56	9	prior	prior	ADV
gujaf-87	56	10	to	to	ADP
gujaf-87	56	11	2016	2016	NUM
gujaf-87	56	12	(	(	PUNCT
gujaf-87	56	13	marshal	marshal	PROPN
gujaf-87	56	14	&	&	CCONJ
gujaf-87	56	15	onyekachi	onyekachi	PROPN
gujaf-87	56	16	,	,	PUNCT
gujaf-87	56	17	2014	2014	NUM
gujaf-87	56	18	;	;	PUNCT
gujaf-87	56	19	rajesh	rajesh	PROPN
gujaf-87	56	20	et	et	PROPN
gujaf-87	56	21	al	al	PROPN
gujaf-87	56	22	.	.	PROPN
gujaf-87	56	23	,	,	PUNCT
gujaf-87	56	24	2015	2015	NUM
gujaf-87	56	25	;	;	PUNCT
gujaf-87	56	26	rajkumar	rajkumar	PROPN
gujaf-87	56	27	&	&	CCONJ
gujaf-87	56	28	hanitha	hanitha	PROPN
gujaf-87	56	29	,	,	PUNCT
gujaf-87	56	30	2015	2015	NUM
gujaf-87	56	31	;	;	PUNCT
gujaf-87	56	32	ogboi&unuafe	ogboi&unuafe	PROPN
gujaf-87	56	33	,	,	PUNCT
gujaf-87	56	34	2013	2013	NUM
gujaf-87	56	35	;	;	PUNCT
gujaf-87	56	36	yimka	yimka	PROPN
gujaf-87	56	37	et	et	PROPN
gujaf-87	56	38	al	al	PROPN
gujaf-87	56	39	.	.	PROPN
gujaf-87	56	40	,	,	PUNCT
gujaf-87	56	41	2014	2014	NUM
gujaf-87	56	42	)	)	PUNCT
gujaf-87	56	43	.	.	PUNCT
gujaf-87	57	1	recent	recent	ADJ
gujaf-87	57	2	events	event	NOUN
gujaf-87	57	3	are	be	AUX
gujaf-87	57	4	likely	likely	ADJ
gujaf-87	57	5	to	to	PART
gujaf-87	57	6	have	have	AUX
gujaf-87	57	7	overshadowed	overshadow	VERB
gujaf-87	57	8	the	the	DET
gujaf-87	57	9	conclusions	conclusion	NOUN
gujaf-87	57	10	of	of	ADP
gujaf-87	57	11	these	these	DET
gujaf-87	57	12	investigations	investigation	NOUN
gujaf-87	57	13	.	.	PUNCT
gujaf-87	58	1	on	on	ADP
gujaf-87	58	2	the	the	DET
gujaf-87	58	3	other	other	ADJ
gujaf-87	58	4	hand	hand	NOUN
gujaf-87	58	5	,	,	PUNCT
gujaf-87	58	6	this	this	DET
gujaf-87	58	7	research	research	NOUN
gujaf-87	58	8	spans	span	VERB
gujaf-87	58	9	a	a	DET
gujaf-87	58	10	ten	ten	NUM
gujaf-87	58	11	-	-	PUNCT
gujaf-87	58	12	year	year	NOUN
gujaf-87	58	13	period	period	NOUN
gujaf-87	58	14	,	,	PUNCT
gujaf-87	58	15	from	from	ADP
gujaf-87	58	16	2009	2009	NUM
gujaf-87	58	17	to	to	ADP
gujaf-87	58	18	2018	2018	NUM
gujaf-87	58	19	,	,	PUNCT
gujaf-87	58	20	in	in	ADP
gujaf-87	58	21	order	order	NOUN
gujaf-87	58	22	to	to	PART
gujaf-87	58	23	evaluate	evaluate	VERB
gujaf-87	58	24	recent	recent	ADJ
gujaf-87	58	25	developments	development	NOUN
gujaf-87	58	26	on	on	ADP
gujaf-87	58	27	the	the	DET
gujaf-87	58	28	effect	effect	NOUN
gujaf-87	58	29	of	of	ADP
gujaf-87	58	30	risk	risk	NOUN
gujaf-87	58	31	on	on	ADP
gujaf-87	58	32	the	the	DET
gujaf-87	58	33	financial	financial	ADJ
gujaf-87	58	34	performance	performance	NOUN
gujaf-87	58	35	of	of	ADP
gujaf-87	58	36	quoted	quote	VERB
gujaf-87	58	37	nigerian	nigerian	ADJ
gujaf-87	58	38	deposit	deposit	NOUN
gujaf-87	58	39	money	money	NOUN
gujaf-87	58	40	institutions	institution	NOUN
gujaf-87	58	41	.	.	PUNCT
gujaf-87	59	1	furthermore	furthermore	ADV
gujaf-87	59	2	,	,	PUNCT
gujaf-87	59	3	previous	previous	ADJ
gujaf-87	59	4	studies	study	NOUN
gujaf-87	59	5	that	that	PRON
gujaf-87	59	6	looked	look	VERB
gujaf-87	59	7	into	into	ADP
gujaf-87	59	8	the	the	DET
gujaf-87	59	9	effect	effect	NOUN
gujaf-87	59	10	of	of	ADP
gujaf-87	59	11	risk	risk	NOUN
gujaf-87	59	12	management	management	NOUN
gujaf-87	59	13	on	on	ADP
gujaf-87	59	14	banks	bank	NOUN
gujaf-87	59	15	’	'	PUNCT
gujaf-87	59	16	performance	performance	NOUN
gujaf-87	59	17	yielded	yield	VERB
gujaf-87	59	18	inconsistent	inconsistent	ADJ
gujaf-87	59	19	results	result	NOUN
gujaf-87	59	20	.	.	PUNCT
gujaf-87	60	1	credit	credit	NOUN
gujaf-87	60	2	risk	risk	NOUN
gujaf-87	60	3	management	management	NOUN
gujaf-87	60	4	,	,	PUNCT
gujaf-87	60	5	for	for	ADP
gujaf-87	60	6	example	example	NOUN
gujaf-87	60	7	,	,	PUNCT
gujaf-87	60	8	was	be	AUX
gujaf-87	60	9	found	find	VERB
gujaf-87	60	10	to	to	PART
gujaf-87	60	11	negatively	negatively	ADV
gujaf-87	60	12	influence	influence	VERB
gujaf-87	60	13	deposit	deposit	NOUN
gujaf-87	60	14	money	money	NOUN
gujaf-87	60	15	bank	bank	NOUN
gujaf-87	60	16	’s	’s	PART
gujaf-87	60	17	profitability	profitability	NOUN
gujaf-87	60	18	by	by	ADP
gujaf-87	60	19	researchers	researcher	NOUN
gujaf-87	60	20	(	(	PUNCT
gujaf-87	60	21	epure	epure	NOUN
gujaf-87	60	22	&	&	CCONJ
gujaf-87	60	23	lafuente	lafuente	PROPN
gujaf-87	60	24	,	,	PUNCT
gujaf-87	60	25	2015	2015	NUM
gujaf-87	60	26	;	;	PUNCT
gujaf-87	60	27	kithinji	kithinji	PROPN
gujaf-87	60	28	,	,	PUNCT
gujaf-87	60	29	2010	2010	NUM
gujaf-87	60	30	)	)	PUNCT
gujaf-87	60	31	,	,	PUNCT
gujaf-87	60	32	credit	credit	NOUN
gujaf-87	60	33	risk	risk	NOUN
gujaf-87	60	34	on	on	ADP
gujaf-87	60	35	the	the	DET
gujaf-87	60	36	other	other	ADJ
gujaf-87	60	37	hand	hand	NOUN
gujaf-87	60	38	has	have	VERB
gujaf-87	60	39	a	a	DET
gujaf-87	60	40	favorable	favorable	ADJ
gujaf-87	60	41	association	association	NOUN
gujaf-87	60	42	with	with	ADP
gujaf-87	60	43	bank	bank	NOUN
gujaf-87	60	44	performance	performance	NOUN
gujaf-87	60	45	,	,	PUNCT
gujaf-87	60	46	according	accord	VERB
gujaf-87	60	47	to	to	ADP
gujaf-87	60	48	kuforiji	kuforiji	PROPN
gujaf-87	60	49	(	(	PUNCT
gujaf-87	60	50	2008	2008	NUM
gujaf-87	60	51	)	)	PUNCT
gujaf-87	60	52	;	;	PUNCT
gujaf-87	60	53	kolapo	kolapo	PROPN
gujaf-87	60	54	et	et	PROPN
gujaf-87	60	55	al	al	PROPN
gujaf-87	60	56	.	.	PROPN
gujaf-87	61	1	(	(	PUNCT
gujaf-87	61	2	2012	2012	NUM
gujaf-87	61	3	)	)	PUNCT
gujaf-87	61	4	.	.	PUNCT
gujaf-87	62	1	several	several	ADJ
gujaf-87	62	2	other	other	ADJ
gujaf-87	62	3	studies	study	NOUN
gujaf-87	62	4	have	have	AUX
gujaf-87	62	5	also	also	ADV
gujaf-87	62	6	confirmed	confirm	VERB
gujaf-87	62	7	that	that	SCONJ
gujaf-87	62	8	credit	credit	NOUN
gujaf-87	62	9	risk	risk	NOUN
gujaf-87	62	10	management	management	NOUN
gujaf-87	62	11	can	can	AUX
gujaf-87	62	12	help	help	VERB
gujaf-87	62	13	banks	bank	NOUN
gujaf-87	62	14	increase	increase	VERB
gujaf-87	62	15	profits	profit	NOUN
gujaf-87	62	16	.	.	PUNCT
gujaf-87	63	1	credit	credit	NOUN
gujaf-87	63	2	risk	risk	NOUN
gujaf-87	63	3	,	,	PUNCT
gujaf-87	63	4	liquidity	liquidity	NOUN
gujaf-87	63	5	risk	risk	NOUN
gujaf-87	63	6	,	,	PUNCT
gujaf-87	63	7	and	and	CCONJ
gujaf-87	63	8	capital	capital	NOUN
gujaf-87	63	9	risk	risk	NOUN
gujaf-87	63	10	are	be	AUX
gujaf-87	63	11	major	major	ADJ
gujaf-87	63	12	elements	element	NOUN
gujaf-87	63	13	that	that	PRON
gujaf-87	63	14	influence	influence	VERB
gujaf-87	63	15	bank	bank	PROPN
gujaf-87	63	16	’s	’s	PART
gujaf-87	63	17	performance	performance	NOUN
gujaf-87	63	18	(	(	PUNCT
gujaf-87	63	19	kargi	kargi	NOUN
gujaf-87	63	20	,	,	PUNCT
gujaf-87	63	21	2011	2011	NUM
gujaf-87	63	22	;	;	PUNCT
gujaf-87	63	23	felix	felix	PROPN
gujaf-87	63	24	&	&	CCONJ
gujaf-87	63	25	claudine	claudine	PROPN
gujaf-87	63	26	,	,	PUNCT
gujaf-87	63	27	2008	2008	NUM
gujaf-87	63	28	;	;	PUNCT
gujaf-87	63	29	alkhouri	alkhouri	PROPN
gujaf-87	63	30	,	,	PUNCT
gujaf-87	63	31	2011).in	2011).in	NUM
gujaf-87	63	32	light	light	NOUN
gujaf-87	63	33	of	of	ADP
gujaf-87	63	34	these	these	PRON
gujaf-87	63	35	,	,	PUNCT
gujaf-87	63	36	this	this	DET
gujaf-87	63	37	study	study	NOUN
gujaf-87	63	38	aimed	aim	VERB
gujaf-87	63	39	at	at	ADP
gujaf-87	63	40	examining	examine	VERB
gujaf-87	63	41	the	the	DET
gujaf-87	63	42	impact	impact	NOUN
gujaf-87	63	43	of	of	ADP
gujaf-87	63	44	risk	risk	NOUN
gujaf-87	63	45	control	control	NOUN
gujaf-87	63	46	on	on	ADP
gujaf-87	63	47	the	the	DET
gujaf-87	63	48	financial	financial	ADJ
gujaf-87	63	49	performance	performance	NOUN
gujaf-87	63	50	of	of	ADP
gujaf-87	63	51	listed	list	VERB
gujaf-87	63	52	nigerian	nigerian	ADJ
gujaf-87	63	53	deposit	deposit	NOUN
gujaf-87	63	54	money	money	NOUN
gujaf-87	63	55	banks	bank	NOUN
gujaf-87	63	56	.	.	PUNCT
gujaf-87	64	1	2	2	X
gujaf-87	64	2	.	.	X
gujaf-87	64	3	literature	literature	NOUN
gujaf-87	64	4	review	review	VERB
gujaf-87	64	5	this	this	DET
gujaf-87	64	6	section	section	NOUN
gujaf-87	64	7	covers	cover	VERB
gujaf-87	64	8	relevant	relevant	ADJ
gujaf-87	64	9	concepts	concept	NOUN
gujaf-87	64	10	regarding	regard	VERB
gujaf-87	64	11	the	the	DET
gujaf-87	64	12	study	study	NOUN
gujaf-87	64	13	,	,	PUNCT
gujaf-87	64	14	empirical	empirical	ADJ
gujaf-87	64	15	studies	study	NOUN
gujaf-87	64	16	relating	relate	VERB
gujaf-87	64	17	to	to	ADP
gujaf-87	64	18	the	the	DET
gujaf-87	64	19	study	study	NOUN
gujaf-87	64	20	as	as	ADV
gujaf-87	64	21	well	well	ADV
gujaf-87	64	22	as	as	ADP
gujaf-87	64	23	theoretical	theoretical	ADJ
gujaf-87	64	24	underpinnings	underpinning	NOUN
gujaf-87	64	25	of	of	ADP
gujaf-87	64	26	the	the	DET
gujaf-87	64	27	study	study	NOUN
gujaf-87	64	28	.	.	PUNCT
gujaf-87	65	1	the	the	DET
gujaf-87	65	2	theoretical	theoretical	ADJ
gujaf-87	65	3	definition	definition	NOUN
gujaf-87	65	4	of	of	ADP
gujaf-87	65	5	risk	risk	NOUN
gujaf-87	65	6	control	control	NOUN
gujaf-87	65	7	in	in	ADP
gujaf-87	65	8	banks	bank	NOUN
gujaf-87	65	9	is	be	AUX
gujaf-87	65	10	the	the	DET
gujaf-87	65	11	creation	creation	NOUN
gujaf-87	65	12	and	and	CCONJ
gujaf-87	65	13	execution	execution	NOUN
gujaf-87	65	14	of	of	ADP
gujaf-87	65	15	plan	plan	NOUN
gujaf-87	65	16	to	to	PART
gujaf-87	65	17	mitigate	mitigate	VERB
gujaf-87	65	18	against	against	ADP
gujaf-87	65	19	prospective	prospective	ADJ
gujaf-87	65	20	losses	loss	NOUN
gujaf-87	65	21	(	(	PUNCT
gujaf-87	65	22	felix	felix	PROPN
gujaf-87	65	23	&	&	CCONJ
gujaf-87	65	24	claudine	claudine	PROPN
gujaf-87	65	25	,	,	PUNCT
gujaf-87	65	26	2008	2008	NUM
gujaf-87	65	27	)	)	PUNCT
gujaf-87	65	28	.	.	PUNCT
gujaf-87	66	1	the	the	DET
gujaf-87	66	2	risk	risk	NOUN
gujaf-87	66	3	management	management	NOUN
gujaf-87	66	4	function	function	NOUN
gujaf-87	66	5	ensures	ensure	VERB
gujaf-87	66	6	that	that	SCONJ
gujaf-87	66	7	effective	effective	ADJ
gujaf-87	66	8	methods	method	NOUN
gujaf-87	66	9	are	be	AUX
gujaf-87	66	10	instituted	institute	VERB
gujaf-87	66	11	to	to	PART
gujaf-87	66	12	recognize	recognize	VERB
gujaf-87	66	13	present	present	ADJ
gujaf-87	66	14	and	and	CCONJ
gujaf-87	66	15	prospective	prospective	ADJ
gujaf-87	66	16	risks	risk	NOUN
gujaf-87	66	17	,	,	PUNCT
gujaf-87	66	18	develop	develop	VERB
gujaf-87	66	19	risk	risk	NOUN
gujaf-87	66	20	assessment	assessment	NOUN
gujaf-87	66	21	and	and	CCONJ
gujaf-87	66	22	management	management	NOUN
gujaf-87	66	23	systems	system	NOUN
gujaf-87	66	24	and	and	CCONJ
gujaf-87	66	25	establish	establish	VERB
gujaf-87	66	26	policies	policy	NOUN
gujaf-87	66	27	and	and	CCONJ
gujaf-87	66	28	practices	practice	NOUN
gujaf-87	66	29	,	,	PUNCT
gujaf-87	66	30	for	for	ADP
gujaf-87	66	31	risk	risk	NOUN
gujaf-87	66	32	control	control	NOUN
gujaf-87	66	33	mechanisms	mechanism	NOUN
gujaf-87	66	34	while	while	SCONJ
gujaf-87	66	35	developing	develop	VERB
gujaf-87	66	36	risk	risk	NOUN
gujaf-87	66	37	tolerance	tolerance	NOUN
gujaf-87	66	38	limits	limit	NOUN
gujaf-87	66	39	(	(	PUNCT
gujaf-87	66	40	martin	martin	PROPN
gujaf-87	66	41	,	,	PUNCT
gujaf-87	66	42	2014	2014	NUM
gujaf-87	66	43	)	)	PUNCT
gujaf-87	66	44	.	.	PUNCT
gujaf-87	67	1	risk	risk	NOUN
gujaf-87	67	2	control	control	NOUN
gujaf-87	67	3	in	in	ADP
gujaf-87	67	4	the	the	DET
gujaf-87	67	5	banking	banking	NOUN
gujaf-87	67	6	business	business	NOUN
gujaf-87	67	7	entails	entail	VERB
gujaf-87	67	8	identifying	identify	VERB
gujaf-87	67	9	,	,	PUNCT
gujaf-87	67	10	assessing	assess	VERB
gujaf-87	67	11	,	,	PUNCT
gujaf-87	67	12	and	and	CCONJ
gujaf-87	67	13	prioritizing	prioritize	VERB
gujaf-87	67	14	risks	risk	NOUN
gujaf-87	67	15	,	,	PUNCT
gujaf-87	67	16	as	as	ADV
gujaf-87	67	17	well	well	ADV
gujaf-87	67	18	as	as	ADP
gujaf-87	67	19	the	the	DET
gujaf-87	67	20	coordinated	coordinated	ADJ
gujaf-87	67	21	and	and	CCONJ
gujaf-87	67	22	effective	effective	ADJ
gujaf-87	67	23	use	use	NOUN
gujaf-87	67	24	of	of	ADP
gujaf-87	67	25	all	all	DET
gujaf-87	67	26	means	mean	NOUN
gujaf-87	67	27	to	to	PART
gujaf-87	67	28	check	check	VERB
gujaf-87	67	29	,	,	PUNCT
gujaf-87	67	30	reduce	reduce	VERB
gujaf-87	67	31	and	and	CCONJ
gujaf-87	67	32	control	control	VERB
gujaf-87	67	33	the	the	DET
gujaf-87	67	34	effect	effect	NOUN
gujaf-87	67	35	of	of	ADP
gujaf-87	67	36	adverse	adverse	ADJ
gujaf-87	67	37	events	event	NOUN
gujaf-87	67	38	(	(	PUNCT
gujaf-87	67	39	stephen	stephen	PROPN
gujaf-87	67	40	et	et	PROPN
gujaf-87	67	41	al	al	PROPN
gujaf-87	67	42	.	.	PROPN
gujaf-87	67	43	,	,	PUNCT
gujaf-87	67	44	2017	2017	NUM
gujaf-87	67	45	)	)	PUNCT
gujaf-87	67	46	.	.	PUNCT
gujaf-87	68	1	risks	risk	NOUN
gujaf-87	68	2	faced	face	VERB
gujaf-87	68	3	by	by	ADP
gujaf-87	68	4	banks	bank	NOUN
gujaf-87	68	5	(	(	PUNCT
gujaf-87	68	6	liquidity	liquidity	NOUN
gujaf-87	68	7	risks	risk	NOUN
gujaf-87	68	8	,	,	PUNCT
gujaf-87	68	9	credit	credit	NOUN
gujaf-87	68	10	risks	risk	NOUN
gujaf-87	68	11	,	,	PUNCT
gujaf-87	68	12	operational	operational	ADJ
gujaf-87	68	13	risks	risk	NOUN
gujaf-87	68	14	,	,	PUNCT
gujaf-87	68	15	and	and	CCONJ
gujaf-87	68	16	legal	legal	ADJ
gujaf-87	68	17	and	and	CCONJ
gujaf-87	68	18	regulatory	regulatory	ADJ
gujaf-87	68	19	risks	risk	NOUN
gujaf-87	68	20	)	)	PUNCT
gujaf-87	68	21	were	be	AUX
gujaf-87	68	22	all	all	PRON
gujaf-87	68	23	examined	examine	VERB
gujaf-87	68	24	in	in	ADP
gujaf-87	68	25	this	this	DET
gujaf-87	68	26	study	study	NOUN
gujaf-87	68	27	.	.	PUNCT
gujaf-87	69	1	the	the	DET
gujaf-87	69	2	inability	inability	NOUN
gujaf-87	69	3	of	of	ADP
gujaf-87	69	4	a	a	DET
gujaf-87	69	5	corporation	corporation	NOUN
gujaf-87	69	6	or	or	CCONJ
gujaf-87	69	7	bank	bank	NOUN
gujaf-87	69	8	being	be	AUX
gujaf-87	69	9	to	to	PART
gujaf-87	69	10	honor	honor	VERB
gujaf-87	69	11	its	its	PRON
gujaf-87	69	12	short	short	ADJ
gujaf-87	69	13	-	-	PUNCT
gujaf-87	69	14	term	term	NOUN
gujaf-87	69	15	financial	financial	ADJ
gujaf-87	69	16	obligations	obligation	NOUN
gujaf-87	69	17	is	be	AUX
gujaf-87	69	18	known	know	VERB
gujaf-87	69	19	as	as	ADP
gujaf-87	69	20	liquidity	liquidity	NOUN
gujaf-87	69	21	risk	risk	NOUN
gujaf-87	69	22	.	.	PUNCT
gujaf-87	70	1	it	it	PRON
gujaf-87	70	2	is	be	AUX
gujaf-87	70	3	the	the	DET
gujaf-87	70	4	possibility	possibility	NOUN
gujaf-87	70	5	of	of	ADP
gujaf-87	70	6	a	a	DET
gujaf-87	70	7	firm	firm	ADJ
gujaf-87	70	8	losing	lose	VERB
gujaf-87	70	9	money	money	NOUN
gujaf-87	70	10	due	due	ADP
gujaf-87	70	11	to	to	ADP
gujaf-87	70	12	its	its	PRON
gujaf-87	70	13	failure	failure	NOUN
gujaf-87	70	14	to	to	PART
gujaf-87	70	15	meet	meet	VERB
gujaf-87	70	16	obligations	obligation	NOUN
gujaf-87	70	17	on	on	ADP
gujaf-87	70	18	time	time	NOUN
gujaf-87	70	19	or	or	CCONJ
gujaf-87	70	20	fund	fund	NOUN
gujaf-87	70	21	asset	asset	NOUN
gujaf-87	70	22	growth	growth	NOUN
gujaf-87	70	23	without	without	ADP
gujaf-87	70	24	incurring	incur	VERB
gujaf-87	70	25	unacceptable	unacceptable	ADJ
gujaf-87	70	26	costs	cost	NOUN
gujaf-87	70	27	,	,	PUNCT
gujaf-87	70	28	it	it	PRON
gujaf-87	70	29	can	can	AUX
gujaf-87	70	30	also	also	ADV
gujaf-87	70	31	be	be	AUX
gujaf-87	70	32	seen	see	VERB
gujaf-87	70	33	as	as	ADP
gujaf-87	70	34	a	a	DET
gujaf-87	70	35	bank	bank	NOUN
gujaf-87	70	36	’s	’s	PART
gujaf-87	70	37	capacity	capacity	NOUN
gujaf-87	70	38	to	to	PART
gujaf-87	70	39	convert	convert	VERB
gujaf-87	70	40	assets	asset	NOUN
gujaf-87	70	41	into	into	ADP
gujaf-87	70	42	cash	cash	NOUN
gujaf-87	70	43	in	in	ADP
gujaf-87	70	44	a	a	DET
gujaf-87	70	45	timely	timely	ADJ
gujaf-87	70	46	and	and	CCONJ
gujaf-87	70	47	cost	cost	NOUN
gujaf-87	70	48	-	-	PUNCT
gujaf-87	70	49	effective	effective	ADJ
gujaf-87	70	50	manner	manner	NOUN
gujaf-87	70	51	in	in	ADP
gujaf-87	70	52	order	order	NOUN
gujaf-87	70	53	meet	meet	VERB
gujaf-87	70	54	its	its	PRON
gujaf-87	70	55	obligations	obligation	NOUN
gujaf-87	70	56	(	(	PUNCT
gujaf-87	70	57	badawi	badawi	ADJ
gujaf-87	70	58	,	,	PUNCT
gujaf-87	70	59	2017	2017	NUM
gujaf-87	70	60	)	)	PUNCT
gujaf-87	70	61	.	.	PUNCT
gujaf-87	71	1	in	in	ADP
gujaf-87	71	2	this	this	DET
gujaf-87	71	3	study	study	NOUN
gujaf-87	71	4	,	,	PUNCT
gujaf-87	71	5	liquidity	liquidity	NOUN
gujaf-87	71	6	risk	risk	NOUN
gujaf-87	71	7	is	be	AUX
gujaf-87	71	8	proxy	proxy	NOUN
gujaf-87	71	9	by	by	ADP
gujaf-87	71	10	the	the	DET
gujaf-87	71	11	liquidity	liquidity	NOUN
gujaf-87	71	12	asset	asset	NOUN
gujaf-87	71	13	5	5	NUM
gujaf-87	71	14	ratio	ratio	NOUN
gujaf-87	71	15	and	and	CCONJ
gujaf-87	71	16	calculated	calculate	VERB
gujaf-87	71	17	as	as	ADP
gujaf-87	71	18	;	;	PUNCT
gujaf-87	71	19	net	net	ADJ
gujaf-87	71	20	income	income	NOUN
gujaf-87	71	21	divided	divide	VERB
gujaf-87	71	22	by	by	ADP
gujaf-87	71	23	total	total	ADJ
gujaf-87	71	24	assets	asset	NOUN
gujaf-87	71	25	.	.	PUNCT
gujaf-87	72	1	while	while	SCONJ
gujaf-87	72	2	regulatory	regulatory	ADJ
gujaf-87	72	3	risk	risk	NOUN
gujaf-87	72	4	arises	arise	VERB
gujaf-87	72	5	due	due	ADP
gujaf-87	72	6	to	to	ADP
gujaf-87	72	7	modifications	modification	NOUN
gujaf-87	72	8	in	in	ADP
gujaf-87	72	9	laws	law	NOUN
gujaf-87	72	10	and	and	CCONJ
gujaf-87	72	11	regulations	regulation	NOUN
gujaf-87	72	12	that	that	PRON
gujaf-87	72	13	can	can	AUX
gujaf-87	72	14	significantly	significantly	ADV
gujaf-87	72	15	affect	affect	VERB
gujaf-87	72	16	security	security	NOUN
gujaf-87	72	17	,	,	PUNCT
gujaf-87	72	18	business	business	NOUN
gujaf-87	72	19	or	or	CCONJ
gujaf-87	72	20	market	market	NOUN
gujaf-87	72	21	,	,	PUNCT
gujaf-87	72	22	it	it	PRON
gujaf-87	72	23	is	be	AUX
gujaf-87	72	24	the	the	DET
gujaf-87	72	25	consequence	consequence	NOUN
gujaf-87	72	26	of	of	ADP
gujaf-87	72	27	changes	change	NOUN
gujaf-87	72	28	in	in	ADP
gujaf-87	72	29	laws	law	NOUN
gujaf-87	72	30	and	and	CCONJ
gujaf-87	72	31	regulations	regulation	NOUN
gujaf-87	72	32	that	that	PRON
gujaf-87	72	33	can	can	AUX
gujaf-87	72	34	materially	materially	ADV
gujaf-87	72	35	influence	influence	VERB
gujaf-87	72	36	a	a	DET
gujaf-87	72	37	security	security	NOUN
gujaf-87	72	38	,	,	PUNCT
gujaf-87	72	39	business	business	NOUN
gujaf-87	72	40	,	,	PUNCT
gujaf-87	72	41	sector	sector	NOUN
gujaf-87	72	42	,	,	PUNCT
gujaf-87	72	43	or	or	CCONJ
gujaf-87	72	44	market	market	NOUN
gujaf-87	72	45	(	(	PUNCT
gujaf-87	72	46	mcormick	mcormick	NOUN
gujaf-87	72	47	,	,	PUNCT
gujaf-87	72	48	2004	2004	NUM
gujaf-87	72	49	)	)	PUNCT
gujaf-87	72	50	.	.	PUNCT
gujaf-87	73	1	the	the	DET
gujaf-87	73	2	risk	risk	NOUN
gujaf-87	73	3	of	of	ADP
gujaf-87	73	4	being	be	AUX
gujaf-87	73	5	sanctioned	sanction	VERB
gujaf-87	73	6	by	by	ADP
gujaf-87	73	7	regulatory	regulatory	ADJ
gujaf-87	73	8	authorities	authority	NOUN
gujaf-87	73	9	for	for	ADP
gujaf-87	73	10	a	a	DET
gujaf-87	73	11	bank	bank	NOUN
gujaf-87	73	12	’s	’s	PART
gujaf-87	73	13	failure	failure	NOUN
gujaf-87	73	14	to	to	PART
gujaf-87	73	15	meet	meet	VERB
gujaf-87	73	16	the	the	DET
gujaf-87	73	17	required	require	VERB
gujaf-87	73	18	injunctions	injunction	NOUN
gujaf-87	73	19	as	as	SCONJ
gujaf-87	73	20	defined	define	VERB
gujaf-87	73	21	in	in	ADP
gujaf-87	73	22	the	the	DET
gujaf-87	73	23	prudential	prudential	ADJ
gujaf-87	73	24	rules	rule	NOUN
gujaf-87	73	25	is	be	AUX
gujaf-87	73	26	seen	see	VERB
gujaf-87	73	27	as	as	ADP
gujaf-87	73	28	legal	legal	ADJ
gujaf-87	73	29	and	and	CCONJ
gujaf-87	73	30	regulatory	regulatory	ADJ
gujaf-87	73	31	risk	risk	NOUN
gujaf-87	73	32	in	in	ADP
gujaf-87	73	33	this	this	DET
gujaf-87	73	34	work	work	NOUN
gujaf-87	73	35	.	.	PUNCT
gujaf-87	74	1	total	total	ADJ
gujaf-87	74	2	deposit	deposit	NOUN
gujaf-87	74	3	to	to	ADP
gujaf-87	74	4	non	non	ADJ
gujaf-87	74	5	-	-	ADJ
gujaf-87	74	6	performing	perform	VERB
gujaf-87	74	7	loan	loan	NOUN
gujaf-87	74	8	ratio	ratio	NOUN
gujaf-87	74	9	is	be	AUX
gujaf-87	74	10	a	a	DET
gujaf-87	74	11	proxy	proxy	NOUN
gujaf-87	74	12	for	for	ADP
gujaf-87	74	13	legal	legal	ADJ
gujaf-87	74	14	and	and	CCONJ
gujaf-87	74	15	regulatory	regulatory	ADJ
gujaf-87	74	16	risk	risk	NOUN
gujaf-87	74	17	,	,	PUNCT
gujaf-87	74	18	and	and	CCONJ
gujaf-87	74	19	assessed	assess	VERB
gujaf-87	74	20	as	as	ADP
gujaf-87	74	21	the	the	DET
gujaf-87	74	22	ratio	ratio	NOUN
gujaf-87	74	23	of	of	ADP
gujaf-87	74	24	a	a	DET
gujaf-87	74	25	bank	bank	NOUN
gujaf-87	74	26	’s	’s	PART
gujaf-87	74	27	loan	loan	NOUN
gujaf-87	74	28	divided	divide	VERB
gujaf-87	74	29	by	by	ADP
gujaf-87	74	30	total	total	ADJ
gujaf-87	74	31	deposit	deposit	NOUN
gujaf-87	74	32	.	.	PUNCT
gujaf-87	75	1	the	the	DET
gujaf-87	75	2	potential	potential	NOUN
gujaf-87	75	3	for	for	ADP
gujaf-87	75	4	loss	loss	NOUN
gujaf-87	75	5	because	because	SCONJ
gujaf-87	75	6	of	of	ADP
gujaf-87	75	7	a	a	DET
gujaf-87	75	8	failure	failure	NOUN
gujaf-87	75	9	of	of	ADP
gujaf-87	75	10	operational	operational	ADJ
gujaf-87	75	11	processes	process	NOUN
gujaf-87	75	12	is	be	AUX
gujaf-87	75	13	known	know	VERB
gujaf-87	75	14	as	as	ADP
gujaf-87	75	15	operational	operational	ADJ
gujaf-87	75	16	risk	risk	NOUN
gujaf-87	75	17	.	.	PUNCT
gujaf-87	76	1	it	it	PRON
gujaf-87	76	2	arises	arise	VERB
gujaf-87	76	3	as	as	ADP
gujaf-87	76	4	a	a	DET
gujaf-87	76	5	result	result	NOUN
gujaf-87	76	6	of	of	ADP
gujaf-87	76	7	noncompliance	noncompliance	NOUN
gujaf-87	76	8	with	with	ADP
gujaf-87	76	9	policies	policy	NOUN
gujaf-87	76	10	,	,	PUNCT
gujaf-87	76	11	regulations	regulation	NOUN
gujaf-87	76	12	and	and	CCONJ
gujaf-87	76	13	laws	law	NOUN
gujaf-87	76	14	,	,	PUNCT
gujaf-87	76	15	as	as	ADV
gujaf-87	76	16	well	well	ADV
gujaf-87	76	17	as	as	ADP
gujaf-87	76	18	fraud	fraud	NOUN
gujaf-87	76	19	or	or	CCONJ
gujaf-87	76	20	errors	error	NOUN
gujaf-87	76	21	(	(	PUNCT
gujaf-87	76	22	njogo	njogo	NOUN
gujaf-87	76	23	,	,	PUNCT
gujaf-87	76	24	2012	2012	NUM
gujaf-87	76	25	)	)	PUNCT
gujaf-87	76	26	.	.	PUNCT
gujaf-87	77	1	it	it	PRON
gujaf-87	77	2	may	may	AUX
gujaf-87	77	3	also	also	ADV
gujaf-87	77	4	comprise	comprise	VERB
gujaf-87	77	5	of	of	ADP
gujaf-87	77	6	direct	direct	ADJ
gujaf-87	77	7	and	and	CCONJ
gujaf-87	77	8	indirect	indirect	ADJ
gujaf-87	77	9	laws	law	NOUN
gujaf-87	77	10	emanating	emanate	VERB
gujaf-87	77	11	from	from	ADP
gujaf-87	77	12	insufficient	insufficient	ADJ
gujaf-87	77	13	or	or	CCONJ
gujaf-87	77	14	failed	fail	VERB
gujaf-87	77	15	internal	internal	ADJ
gujaf-87	77	16	processes	process	NOUN
gujaf-87	77	17	,	,	PUNCT
gujaf-87	77	18	people	people	NOUN
gujaf-87	77	19	,	,	PUNCT
gujaf-87	77	20	and	and	CCONJ
gujaf-87	77	21	systems	system	NOUN
gujaf-87	77	22	or	or	CCONJ
gujaf-87	77	23	external	external	ADJ
gujaf-87	77	24	environmental	environmental	ADJ
gujaf-87	77	25	events	event	NOUN
gujaf-87	77	26	.	.	PUNCT
gujaf-87	78	1	technical	technical	ADJ
gujaf-87	78	2	hazards	hazard	NOUN
gujaf-87	78	3	,	,	PUNCT
gujaf-87	78	4	such	such	ADJ
gujaf-87	78	5	as	as	ADP
gujaf-87	78	6	the	the	DET
gujaf-87	78	7	risk	risk	NOUN
gujaf-87	78	8	of	of	ADP
gujaf-87	78	9	ineffective	ineffective	ADJ
gujaf-87	78	10	operating	operating	NOUN
gujaf-87	78	11	and	and	CCONJ
gujaf-87	78	12	information	information	NOUN
gujaf-87	78	13	technology	technology	NOUN
gujaf-87	78	14	infrastructure	infrastructure	NOUN
gujaf-87	78	15	supporting	support	VERB
gujaf-87	78	16	the	the	DET
gujaf-87	78	17	bank	bank	NOUN
gujaf-87	78	18	’s	’s	PART
gujaf-87	78	19	operations	operation	NOUN
gujaf-87	78	20	,	,	PUNCT
gujaf-87	78	21	natural	natural	ADJ
gujaf-87	78	22	disasters	disaster	NOUN
gujaf-87	78	23	and	and	CCONJ
gujaf-87	78	24	bank	bank	NOUN
gujaf-87	78	25	-	-	PUNCT
gujaf-87	78	26	related	relate	VERB
gujaf-87	78	27	mishaps	mishap	NOUN
gujaf-87	78	28	involving	involve	VERB
gujaf-87	78	29	key	key	ADJ
gujaf-87	78	30	management	management	NOUN
gujaf-87	78	31	personnel	personnel	NOUN
gujaf-87	78	32	are	be	AUX
gujaf-87	78	33	other	other	ADJ
gujaf-87	78	34	instances	instance	NOUN
gujaf-87	78	35	(	(	PUNCT
gujaf-87	78	36	badawi	badawi	ADJ
gujaf-87	78	37	,	,	PUNCT
gujaf-87	78	38	2017	2017	NUM
gujaf-87	78	39	)	)	PUNCT
gujaf-87	78	40	.	.	PUNCT
gujaf-87	79	1	this	this	DET
gujaf-87	79	2	risk	risk	NOUN
gujaf-87	79	3	is	be	AUX
gujaf-87	79	4	proxy	proxy	NOUN
gujaf-87	79	5	by	by	ADP
gujaf-87	79	6	asset	asset	NOUN
gujaf-87	79	7	turnover	turnover	NOUN
gujaf-87	79	8	ratio	ratio	NOUN
gujaf-87	79	9	and	and	CCONJ
gujaf-87	79	10	it	it	PRON
gujaf-87	79	11	is	be	AUX
gujaf-87	79	12	calculated	calculate	VERB
gujaf-87	79	13	as	as	ADP
gujaf-87	79	14	revenue	revenue	NOUN
gujaf-87	79	15	divided	divide	VERB
gujaf-87	79	16	by	by	ADP
gujaf-87	79	17	total	total	ADJ
gujaf-87	79	18	assets	asset	NOUN
gujaf-87	79	19	.	.	PUNCT
gujaf-87	80	1	also	also	ADV
gujaf-87	80	2	referred	refer	VERB
gujaf-87	80	3	to	to	ADP
gujaf-87	80	4	as	as	ADP
gujaf-87	80	5	default	default	NOUN
gujaf-87	80	6	risk	risk	NOUN
gujaf-87	80	7	,	,	PUNCT
gujaf-87	80	8	credit	credit	NOUN
gujaf-87	80	9	risk	risk	NOUN
gujaf-87	80	10	is	be	AUX
gujaf-87	80	11	one	one	NUM
gujaf-87	80	12	of	of	ADP
gujaf-87	80	13	the	the	DET
gujaf-87	80	14	oldest	old	ADJ
gujaf-87	80	15	forms	form	NOUN
gujaf-87	80	16	of	of	ADP
gujaf-87	80	17	risks	risk	NOUN
gujaf-87	80	18	.	.	PUNCT
gujaf-87	81	1	it	it	PRON
gujaf-87	81	2	is	be	AUX
gujaf-87	81	3	the	the	DET
gujaf-87	81	4	most	most	ADV
gujaf-87	81	5	vital	vital	ADJ
gujaf-87	81	6	risk	risk	NOUN
gujaf-87	81	7	faced	face	VERB
gujaf-87	81	8	by	by	ADP
gujaf-87	81	9	banks	bank	NOUN
gujaf-87	81	10	while	while	SCONJ
gujaf-87	81	11	performing	perform	VERB
gujaf-87	81	12	the	the	DET
gujaf-87	81	13	financial	financial	ADJ
gujaf-87	81	14	intermediary	intermediary	NOUN
gujaf-87	81	15	function	function	NOUN
gujaf-87	81	16	(	(	PUNCT
gujaf-87	81	17	broll	broll	PROPN
gujaf-87	81	18	et	et	PROPN
gujaf-87	81	19	al	al	PROPN
gujaf-87	81	20	.	.	PROPN
gujaf-87	81	21	,	,	PUNCT
gujaf-87	81	22	2002	2002	NUM
gujaf-87	81	23	)	)	PUNCT
gujaf-87	81	24	.	.	PUNCT
gujaf-87	82	1	default	default	NOUN
gujaf-87	82	2	risk	risk	NOUN
gujaf-87	82	3	is	be	AUX
gujaf-87	82	4	the	the	DET
gujaf-87	82	5	possibility	possibility	NOUN
gujaf-87	82	6	of	of	ADP
gujaf-87	82	7	loss	loss	NOUN
gujaf-87	82	8	resulting	result	VERB
gujaf-87	82	9	from	from	ADP
gujaf-87	82	10	a	a	DET
gujaf-87	82	11	borrower	borrower	NOUN
gujaf-87	82	12	’s	’s	PART
gujaf-87	82	13	failure	failure	NOUN
gujaf-87	82	14	to	to	PART
gujaf-87	82	15	honor	honor	VERB
gujaf-87	82	16	its	its	PRON
gujaf-87	82	17	obligations	obligation	NOUN
gujaf-87	82	18	based	base	VERB
gujaf-87	82	19	on	on	ADP
gujaf-87	82	20	agreed	agree	VERB
gujaf-87	82	21	terms	term	NOUN
gujaf-87	82	22	.	.	PUNCT
gujaf-87	83	1	credit	credit	NOUN
gujaf-87	83	2	risks	risk	NOUN
gujaf-87	83	3	arises	arise	VERB
gujaf-87	83	4	as	as	ADP
gujaf-87	83	5	a	a	DET
gujaf-87	83	6	result	result	NOUN
gujaf-87	83	7	of	of	ADP
gujaf-87	83	8	customers	customer	NOUN
gujaf-87	83	9	’	'	PUNCT
gujaf-87	83	10	failure	failure	NOUN
gujaf-87	83	11	to	to	PART
gujaf-87	83	12	repay	repay	VERB
gujaf-87	83	13	a	a	DET
gujaf-87	83	14	bank	bank	NOUN
gujaf-87	83	15	loan	loan	NOUN
gujaf-87	83	16	,	,	PUNCT
gujaf-87	83	17	as	as	ADV
gujaf-87	83	18	well	well	ADV
gujaf-87	83	19	as	as	ADP
gujaf-87	83	20	the	the	DET
gujaf-87	83	21	interest	interest	NOUN
gujaf-87	83	22	paid	pay	VERB
gujaf-87	83	23	thereon	thereon	NOUN
gujaf-87	83	24	,	,	PUNCT
gujaf-87	83	25	cumulating	cumulate	VERB
gujaf-87	83	26	into	into	ADP
gujaf-87	83	27	losses	loss	NOUN
gujaf-87	83	28	that	that	PRON
gujaf-87	83	29	can	can	AUX
gujaf-87	83	30	erode	erode	VERB
gujaf-87	83	31	the	the	DET
gujaf-87	83	32	bank	bank	NOUN
gujaf-87	83	33	’s	’s	PART
gujaf-87	83	34	capital	capital	NOUN
gujaf-87	83	35	.	.	PUNCT
gujaf-87	84	1	every	every	DET
gujaf-87	84	2	time	time	NOUN
gujaf-87	84	3	a	a	DET
gujaf-87	84	4	bank	bank	NOUN
gujaf-87	84	5	extends	extend	VERB
gujaf-87	84	6	a	a	DET
gujaf-87	84	7	credit	credit	NOUN
gujaf-87	84	8	facility	facility	NOUN
gujaf-87	84	9	,	,	PUNCT
gujaf-87	84	10	the	the	DET
gujaf-87	84	11	bank	bank	NOUN
gujaf-87	84	12	is	be	AUX
gujaf-87	84	13	exposed	expose	VERB
gujaf-87	84	14	to	to	ADP
gujaf-87	84	15	credit	credit	NOUN
gujaf-87	84	16	risk	risk	NOUN
gujaf-87	84	17	(	(	PUNCT
gujaf-87	84	18	sanusi	sanusi	NOUN
gujaf-87	84	19	,	,	PUNCT
gujaf-87	84	20	2010	2010	NUM
gujaf-87	84	21	)	)	PUNCT
gujaf-87	84	22	.	.	PUNCT
gujaf-87	85	1	in	in	ADP
gujaf-87	85	2	this	this	DET
gujaf-87	85	3	study	study	NOUN
gujaf-87	85	4	,	,	PUNCT
gujaf-87	85	5	credit	credit	NOUN
gujaf-87	85	6	risk	risk	NOUN
gujaf-87	85	7	is	be	AUX
gujaf-87	85	8	proxy	proxy	NOUN
gujaf-87	85	9	by	by	ADP
gujaf-87	85	10	the	the	DET
gujaf-87	85	11	loan	loan	NOUN
gujaf-87	85	12	ratio	ratio	NOUN
gujaf-87	85	13	,	,	PUNCT
gujaf-87	85	14	which	which	PRON
gujaf-87	85	15	is	be	AUX
gujaf-87	85	16	measured	measure	VERB
gujaf-87	85	17	as	as	ADP
gujaf-87	85	18	the	the	DET
gujaf-87	85	19	ratio	ratio	NOUN
gujaf-87	85	20	of	of	ADP
gujaf-87	85	21	a	a	DET
gujaf-87	85	22	bank	bank	NOUN
gujaf-87	85	23	’s	’s	PART
gujaf-87	85	24	loan	loan	NOUN
gujaf-87	85	25	to	to	ADP
gujaf-87	85	26	total	total	ADJ
gujaf-87	85	27	assets	asset	NOUN
gujaf-87	85	28	.	.	PUNCT
gujaf-87	86	1	financial	financial	ADJ
gujaf-87	86	2	performance	performance	NOUN
gujaf-87	86	3	is	be	AUX
gujaf-87	86	4	defined	define	VERB
gujaf-87	86	5	by	by	ADP
gujaf-87	86	6	the	the	DET
gujaf-87	86	7	business	business	NOUN
gujaf-87	86	8	dictionary	dictionary	NOUN
gujaf-87	86	9	(	(	PUNCT
gujaf-87	86	10	2013	2013	NUM
gujaf-87	86	11	)	)	PUNCT
gujaf-87	86	12	as	as	ADP
gujaf-87	86	13	a	a	DET
gujaf-87	86	14	monetary	monetary	ADJ
gujaf-87	86	15	evaluation	evaluation	NOUN
gujaf-87	86	16	of	of	ADP
gujaf-87	86	17	firm	firm	NOUN
gujaf-87	86	18	’s	’s	PART
gujaf-87	86	19	operations	operation	NOUN
gujaf-87	86	20	and	and	CCONJ
gujaf-87	86	21	policies	policy	NOUN
gujaf-87	86	22	,	,	PUNCT
gujaf-87	86	23	as	as	SCONJ
gujaf-87	86	24	expressed	express	VERB
gujaf-87	86	25	in	in	ADP
gujaf-87	86	26	the	the	DET
gujaf-87	86	27	firm	firm	NOUN
gujaf-87	86	28	’s	’s	PART
gujaf-87	86	29	return	return	NOUN
gujaf-87	86	30	on	on	ADP
gujaf-87	86	31	capital	capital	NOUN
gujaf-87	86	32	employed	employ	VERB
gujaf-87	86	33	,	,	PUNCT
gujaf-87	86	34	return	return	VERB
gujaf-87	86	35	on	on	ADP
gujaf-87	86	36	assets	asset	NOUN
gujaf-87	86	37	and	and	CCONJ
gujaf-87	86	38	return	return	VERB
gujaf-87	86	39	on	on	ADP
gujaf-87	86	40	investment	investment	NOUN
gujaf-87	86	41	,	,	PUNCT
gujaf-87	86	42	value	value	NOUN
gujaf-87	86	43	created	create	VERB
gujaf-87	86	44	among	among	ADP
gujaf-87	86	45	others	other	NOUN
gujaf-87	86	46	.	.	PUNCT
gujaf-87	87	1	it	it	PRON
gujaf-87	87	2	is	be	AUX
gujaf-87	87	3	a	a	DET
gujaf-87	87	4	subjective	subjective	ADJ
gujaf-87	87	5	measure	measure	NOUN
gujaf-87	87	6	of	of	ADP
gujaf-87	87	7	a	a	DET
gujaf-87	87	8	company	company	NOUN
gujaf-87	87	9	’s	’s	PART
gujaf-87	87	10	capacity	capacity	NOUN
gujaf-87	87	11	to	to	PART
gujaf-87	87	12	earn	earn	VERB
gujaf-87	87	13	revenue	revenue	NOUN
gujaf-87	87	14	from	from	ADP
gujaf-87	87	15	its	its	PRON
gujaf-87	87	16	key	key	ADJ
gujaf-87	87	17	operational	operational	ADJ
gujaf-87	87	18	activities	activity	NOUN
gujaf-87	87	19	.	.	PUNCT
gujaf-87	88	1	financial	financial	ADJ
gujaf-87	88	2	performance	performance	NOUN
gujaf-87	88	3	measurements	measurement	NOUN
gujaf-87	88	4	such	such	ADJ
gujaf-87	88	5	as	as	ADP
gujaf-87	88	6	profitability	profitability	NOUN
gujaf-87	88	7	and	and	CCONJ
gujaf-87	88	8	liquidity	liquidity	NOUN
gujaf-87	88	9	,	,	PUNCT
gujaf-87	88	10	among	among	ADP
gujaf-87	88	11	others	other	NOUN
gujaf-87	88	12	,	,	PUNCT
gujaf-87	88	13	provided	provide	VERB
gujaf-87	88	14	a	a	DET
gujaf-87	88	15	significant	significant	ADJ
gujaf-87	88	16	tool	tool	NOUN
gujaf-87	88	17	for	for	SCONJ
gujaf-87	88	18	stakeholders	stakeholder	NOUN
gujaf-87	88	19	to	to	PART
gujaf-87	88	20	evaluate	evaluate	VERB
gujaf-87	88	21	a	a	DET
gujaf-87	88	22	firm	firm	NOUN
gujaf-87	88	23	’s	’s	PART
gujaf-87	88	24	historical	historical	ADJ
gujaf-87	88	25	financial	financial	ADJ
gujaf-87	88	26	performance	performance	NOUN
gujaf-87	88	27	and	and	CCONJ
gujaf-87	88	28	status	status	NOUN
gujaf-87	88	29	(	(	PUNCT
gujaf-87	88	30	erasmus	erasmus	PROPN
gujaf-87	88	31	,	,	PUNCT
gujaf-87	88	32	2008	2008	NUM
gujaf-87	88	33	)	)	PUNCT
gujaf-87	88	34	.	.	PUNCT
gujaf-87	89	1	the	the	DET
gujaf-87	89	2	phrase	phrase	NOUN
gujaf-87	89	3	is	be	AUX
gujaf-87	89	4	frequently	frequently	ADV
gujaf-87	89	5	expressed	express	VERB
gujaf-87	89	6	as	as	ADP
gujaf-87	89	7	a	a	DET
gujaf-87	89	8	broad	broad	ADJ
gujaf-87	89	9	assessment	assessment	NOUN
gujaf-87	89	10	of	of	ADP
gujaf-87	89	11	a	a	DET
gujaf-87	89	12	company	company	NOUN
gujaf-87	89	13	’s	’s	PART
gujaf-87	89	14	total	total	ADJ
gujaf-87	89	15	financial	financial	ADJ
gujaf-87	89	16	health	health	NOUN
gujaf-87	89	17	over	over	ADP
gujaf-87	89	18	time	time	NOUN
gujaf-87	89	19	.	.	PUNCT
gujaf-87	90	1	according	accord	VERB
gujaf-87	90	2	to	to	ADP
gujaf-87	90	3	neely	neely	PROPN
gujaf-87	90	4	(	(	PUNCT
gujaf-87	90	5	2011	2011	NUM
gujaf-87	90	6	)	)	PUNCT
gujaf-87	90	7	,	,	PUNCT
gujaf-87	90	8	financial	financial	ADJ
gujaf-87	90	9	performance	performance	NOUN
gujaf-87	90	10	measures	measure	NOUN
gujaf-87	90	11	are	be	AUX
gujaf-87	90	12	primarily	primarily	ADV
gujaf-87	90	13	used	use	VERB
gujaf-87	90	14	for	for	ADP
gujaf-87	90	15	three	three	NUM
gujaf-87	90	16	goals	goal	NOUN
gujaf-87	90	17	.	.	PUNCT
gujaf-87	91	1	it	it	PRON
gujaf-87	91	2	acts	act	VERB
gujaf-87	91	3	as	as	ADP
gujaf-87	91	4	a	a	DET
gujaf-87	91	5	financial	financial	ADJ
gujaf-87	91	6	management	management	NOUN
gujaf-87	91	7	tool	tool	NOUN
gujaf-87	91	8	,	,	PUNCT
gujaf-87	91	9	a	a	DET
gujaf-87	91	10	gauge	gauge	NOUN
gujaf-87	91	11	of	of	ADP
gujaf-87	91	12	company	company	NOUN
gujaf-87	91	13	’s	’s	PART
gujaf-87	91	14	objectives	objective	NOUN
gujaf-87	91	15	,	,	PUNCT
gujaf-87	91	16	and	and	CCONJ
gujaf-87	91	17	a	a	DET
gujaf-87	91	18	system	system	NOUN
gujaf-87	91	19	for	for	ADP
gujaf-87	91	20	motivation	motivation	NOUN
gujaf-87	91	21	and	and	CCONJ
gujaf-87	91	22	control	control	NOUN
gujaf-87	91	23	inside	inside	ADP
gujaf-87	91	24	an	an	DET
gujaf-87	91	25	organization	organization	NOUN
gujaf-87	91	26	,	,	PUNCT
gujaf-87	91	27	among	among	ADP
gujaf-87	91	28	other	other	ADJ
gujaf-87	91	29	things	thing	NOUN
gujaf-87	91	30	.	.	PUNCT
gujaf-87	92	1	return	return	VERB
gujaf-87	92	2	on	on	ADP
gujaf-87	92	3	assets	asset	NOUN
gujaf-87	92	4	(	(	PUNCT
gujaf-87	92	5	roa	roa	NOUN
gujaf-87	92	6	)	)	PUNCT
gujaf-87	92	7	,	,	PUNCT
gujaf-87	92	8	return	return	VERB
gujaf-87	92	9	on	on	ADP
gujaf-87	92	10	equity	equity	NOUN
gujaf-87	92	11	(	(	PUNCT
gujaf-87	92	12	roe	roe	PROPN
gujaf-87	92	13	)	)	PUNCT
gujaf-87	92	14	,	,	PUNCT
gujaf-87	92	15	return	return	VERB
gujaf-87	92	16	on	on	ADP
gujaf-87	92	17	investment	investment	NOUN
gujaf-87	92	18	(	(	PUNCT
gujaf-87	92	19	roi	roi	NOUN
gujaf-87	92	20	)	)	PUNCT
gujaf-87	92	21	return	return	NOUN
gujaf-87	92	22	on	on	ADP
gujaf-87	92	23	capital	capital	NOUN
gujaf-87	92	24	employed	employ	VERB
gujaf-87	92	25	(	(	PUNCT
gujaf-87	92	26	roce	roce	NOUN
gujaf-87	92	27	)	)	PUNCT
gujaf-87	92	28	,	,	PUNCT
gujaf-87	92	29	and	and	CCONJ
gujaf-87	92	30	other	other	ADJ
gujaf-87	92	31	indices	index	NOUN
gujaf-87	92	32	are	be	AUX
gujaf-87	92	33	used	use	VERB
gujaf-87	92	34	in	in	ADP
gujaf-87	92	35	assessing	assess	VERB
gujaf-87	92	36	financial	financial	ADJ
gujaf-87	92	37	performance	performance	NOUN
gujaf-87	92	38	in	in	ADP
gujaf-87	92	39	finance	finance	NOUN
gujaf-87	92	40	and	and	CCONJ
gujaf-87	92	41	financial	financial	ADJ
gujaf-87	92	42	accounting	accounting	NOUN
gujaf-87	92	43	practice	practice	NOUN
gujaf-87	92	44	(	(	PUNCT
gujaf-87	92	45	bagh	bagh	PROPN
gujaf-87	92	46	et	et	PROPN
gujaf-87	92	47	al	al	PROPN
gujaf-87	92	48	.	.	PROPN
gujaf-87	92	49	,	,	PUNCT
gujaf-87	92	50	2017	2017	NUM
gujaf-87	92	51	;	;	PUNCT
gujaf-87	92	52	shoukat	shoukat	PROPN
gujaf-87	92	53	&	&	CCONJ
gujaf-87	92	54	nadeem	nadeem	PROPN
gujaf-87	92	55	,	,	PUNCT
gujaf-87	92	56	2017	2017	NUM
gujaf-87	92	57	)	)	PUNCT
gujaf-87	92	58	.	.	PUNCT
gujaf-87	93	1	abubakar	abubakar	PROPN
gujaf-87	93	2	et	et	PROPN
gujaf-87	93	3	al	al	PROPN
gujaf-87	93	4	.	.	PROPN
gujaf-87	94	1	(	(	PUNCT
gujaf-87	94	2	2019	2019	NUM
gujaf-87	94	3	)	)	PUNCT
gujaf-87	94	4	used	use	VERB
gujaf-87	94	5	secondary	secondary	ADJ
gujaf-87	94	6	data	datum	NOUN
gujaf-87	94	7	generated	generate	VERB
gujaf-87	94	8	from	from	ADP
gujaf-87	94	9	the	the	DET
gujaf-87	94	10	annual	annual	ADJ
gujaf-87	94	11	reports	report	NOUN
gujaf-87	94	12	of	of	ADP
gujaf-87	94	13	10	10	NUM
gujaf-87	94	14	deposit	deposit	NOUN
gujaf-87	94	15	money	money	NOUN
gujaf-87	94	16	banks	bank	NOUN
gujaf-87	94	17	quoted	quote	VERB
gujaf-87	94	18	on	on	ADP
gujaf-87	94	19	the	the	DET
gujaf-87	94	20	nigerian	nigerian	ADJ
gujaf-87	94	21	exchange	exchange	NOUN
gujaf-87	94	22	between	between	ADP
gujaf-87	94	23	the	the	DET
gujaf-87	94	24	periods	period	NOUN
gujaf-87	94	25	of	of	ADP
gujaf-87	94	26	2010	2010	NUM
gujaf-87	94	27	to	to	ADP
gujaf-87	94	28	2016	2016	NUM
gujaf-87	94	29	with	with	ADP
gujaf-87	94	30	the	the	DET
gujaf-87	94	31	aim	aim	NOUN
gujaf-87	94	32	of	of	ADP
gujaf-87	94	33	investigating	investigate	VERB
gujaf-87	94	34	the	the	DET
gujaf-87	94	35	impact	impact	NOUN
gujaf-87	94	36	of	of	ADP
gujaf-87	94	37	risk	risk	NOUN
gujaf-87	94	38	management	management	NOUN
gujaf-87	94	39	on	on	ADP
gujaf-87	94	40	the	the	DET
gujaf-87	94	41	performance	performance	NOUN
gujaf-87	94	42	of	of	ADP
gujaf-87	94	43	listed	list	VERB
gujaf-87	94	44	deposit	deposit	NOUN
gujaf-87	94	45	money	money	NOUN
gujaf-87	94	46	banks	bank	NOUN
gujaf-87	94	47	in	in	ADP
gujaf-87	94	48	nigeria	nigeria	PROPN
gujaf-87	94	49	.	.	PUNCT
gujaf-87	95	1	the	the	DET
gujaf-87	95	2	paper	paper	NOUN
gujaf-87	95	3	used	use	VERB
gujaf-87	95	4	descriptive	descriptive	ADJ
gujaf-87	95	5	statistics	statistic	NOUN
gujaf-87	95	6	to	to	PART
gujaf-87	95	7	describe	describe	VERB
gujaf-87	95	8	the	the	DET
gujaf-87	95	9	data	datum	NOUN
gujaf-87	95	10	and	and	CCONJ
gujaf-87	95	11	regression	regression	VERB
gujaf-87	95	12	analysis	analysis	NOUN
gujaf-87	95	13	as	as	ADP
gujaf-87	95	14	a	a	DET
gujaf-87	95	15	data	data	NOUN
gujaf-87	95	16	analysis	analysis	NOUN
gujaf-87	95	17	approach	approach	NOUN
gujaf-87	95	18	.	.	PUNCT
gujaf-87	96	1	the	the	DET
gujaf-87	96	2	total	total	ADJ
gujaf-87	96	3	regulatory	regulatory	ADJ
gujaf-87	96	4	capital	capital	NOUN
gujaf-87	96	5	retains	retain	VERB
gujaf-87	96	6	by	by	ADP
gujaf-87	96	7	banks	bank	NOUN
gujaf-87	96	8	in	in	ADP
gujaf-87	96	9	relation	relation	NOUN
gujaf-87	96	10	to	to	ADP
gujaf-87	96	11	6	6	NUM
gujaf-87	96	12	risk	risk	NOUN
gujaf-87	96	13	weighted	weight	VERB
gujaf-87	96	14	assets	asset	NOUN
gujaf-87	96	15	,	,	PUNCT
gujaf-87	96	16	as	as	SCONJ
gujaf-87	96	17	defined	define	VERB
gujaf-87	96	18	by	by	ADP
gujaf-87	96	19	the	the	DET
gujaf-87	96	20	capital	capital	NOUN
gujaf-87	96	21	adequacy	adequacy	NOUN
gujaf-87	96	22	ratio	ratio	NOUN
gujaf-87	96	23	(	(	PUNCT
gujaf-87	96	24	car	car	NOUN
gujaf-87	96	25	)	)	PUNCT
gujaf-87	96	26	,	,	PUNCT
gujaf-87	96	27	was	be	AUX
gujaf-87	96	28	judged	judge	VERB
gujaf-87	96	29	to	to	PART
gujaf-87	96	30	be	be	AUX
gujaf-87	96	31	sufficient	sufficient	ADJ
gujaf-87	96	32	,	,	PUNCT
gujaf-87	96	33	and	and	CCONJ
gujaf-87	96	34	it	it	PRON
gujaf-87	96	35	was	be	AUX
gujaf-87	96	36	suggested	suggest	VERB
gujaf-87	96	37	that	that	SCONJ
gujaf-87	96	38	the	the	DET
gujaf-87	96	39	apex	apex	PROPN
gujaf-87	96	40	bank	bank	PROPN
gujaf-87	96	41	in	in	ADP
gujaf-87	96	42	nigeria	nigeria	PROPN
gujaf-87	96	43	,	,	PUNCT
gujaf-87	96	44	enact	enact	VERB
gujaf-87	96	45	policies	policy	NOUN
gujaf-87	96	46	that	that	PRON
gujaf-87	96	47	would	would	AUX
gujaf-87	96	48	enforce	enforce	VERB
gujaf-87	96	49	regulatory	regulatory	ADJ
gujaf-87	96	50	risk	risk	NOUN
gujaf-87	96	51	so	so	SCONJ
gujaf-87	96	52	as	as	SCONJ
gujaf-87	96	53	to	to	PART
gujaf-87	96	54	boost	boost	VERB
gujaf-87	96	55	shareholder	shareholder	NOUN
gujaf-87	96	56	value	value	NOUN
gujaf-87	96	57	.	.	PUNCT
gujaf-87	97	1	okere	okere	VERB
gujaf-87	97	2	et	et	PROPN
gujaf-87	97	3	al	al	PROPN
gujaf-87	97	4	.	.	PROPN
gujaf-87	98	1	(	(	PUNCT
gujaf-87	98	2	2018	2018	NUM
gujaf-87	98	3	)	)	PUNCT
gujaf-87	98	4	explored	explore	VERB
gujaf-87	98	5	the	the	DET
gujaf-87	98	6	impact	impact	NOUN
gujaf-87	98	7	of	of	ADP
gujaf-87	98	8	risk	risk	NOUN
gujaf-87	98	9	management	management	NOUN
gujaf-87	98	10	(	(	PUNCT
gujaf-87	98	11	rm	rm	NOUN
gujaf-87	98	12	)	)	PUNCT
gujaf-87	98	13	on	on	ADP
gujaf-87	98	14	the	the	DET
gujaf-87	98	15	performance	performance	NOUN
gujaf-87	98	16	of	of	ADP
gujaf-87	98	17	banks	bank	NOUN
gujaf-87	98	18	in	in	ADP
gujaf-87	98	19	nigeria	nigeria	PROPN
gujaf-87	98	20	via	via	ADP
gujaf-87	98	21	data	datum	NOUN
gujaf-87	98	22	extracted	extract	VERB
gujaf-87	98	23	from	from	ADP
gujaf-87	98	24	the	the	DET
gujaf-87	98	25	annual	annual	ADJ
gujaf-87	98	26	reports	report	NOUN
gujaf-87	98	27	of	of	ADP
gujaf-87	98	28	10	10	NUM
gujaf-87	98	29	sample	sample	NOUN
gujaf-87	98	30	firms	firm	NOUN
gujaf-87	98	31	from	from	ADP
gujaf-87	98	32	a	a	DET
gujaf-87	98	33	population	population	NOUN
gujaf-87	98	34	of	of	ADP
gujaf-87	98	35	15	15	NUM
gujaf-87	98	36	financial	financial	ADJ
gujaf-87	98	37	services	service	NOUN
gujaf-87	98	38	banks	bank	NOUN
gujaf-87	98	39	quoted	quote	VERB
gujaf-87	98	40	on	on	ADP
gujaf-87	98	41	the	the	DET
gujaf-87	98	42	nigerian	nigerian	ADJ
gujaf-87	98	43	exchange	exchange	NOUN
gujaf-87	98	44	.	.	PUNCT
gujaf-87	99	1	the	the	DET
gujaf-87	99	2	data	datum	NOUN
gujaf-87	99	3	was	be	AUX
gujaf-87	99	4	analyzed	analyze	VERB
gujaf-87	99	5	using	use	VERB
gujaf-87	99	6	panel	panel	NOUN
gujaf-87	99	7	data	datum	NOUN
gujaf-87	99	8	regression	regression	NOUN
gujaf-87	99	9	analysis	analysis	NOUN
gujaf-87	99	10	.	.	PUNCT
gujaf-87	100	1	the	the	DET
gujaf-87	100	2	work	work	NOUN
gujaf-87	100	3	demonstrated	demonstrate	VERB
gujaf-87	100	4	a	a	DET
gujaf-87	100	5	positive	positive	ADJ
gujaf-87	100	6	association	association	NOUN
gujaf-87	100	7	amid	amid	ADP
gujaf-87	100	8	rm	rm	PROPN
gujaf-87	100	9	and	and	CCONJ
gujaf-87	100	10	banks	bank	NOUN
gujaf-87	100	11	’	'	PUNCT
gujaf-87	100	12	performance	performance	NOUN
gujaf-87	100	13	.	.	PUNCT
gujaf-87	101	1	wadesango	wadesango	NOUN
gujaf-87	101	2	et	et	PROPN
gujaf-87	101	3	al	al	PROPN
gujaf-87	101	4	.	.	PROPN
gujaf-87	102	1	(	(	PUNCT
gujaf-87	102	2	2018	2018	NUM
gujaf-87	102	3	)	)	PUNCT
gujaf-87	102	4	assessed	assess	VERB
gujaf-87	102	5	the	the	DET
gujaf-87	102	6	effectiveness	effectiveness	NOUN
gujaf-87	102	7	of	of	ADP
gujaf-87	102	8	rm	rm	NOUN
gujaf-87	102	9	systems	system	NOUN
gujaf-87	102	10	on	on	ADP
gujaf-87	102	11	financial	financial	ADJ
gujaf-87	102	12	performance	performance	NOUN
gujaf-87	102	13	of	of	ADP
gujaf-87	102	14	public	public	ADJ
gujaf-87	102	15	sector	sector	NOUN
gujaf-87	102	16	enterprises	enterprise	NOUN
gujaf-87	102	17	.	.	PUNCT
gujaf-87	103	1	the	the	DET
gujaf-87	103	2	study	study	NOUN
gujaf-87	103	3	adopted	adopt	VERB
gujaf-87	103	4	the	the	DET
gujaf-87	103	5	quantitative	quantitative	ADJ
gujaf-87	103	6	research	research	NOUN
gujaf-87	103	7	method	method	NOUN
gujaf-87	103	8	with	with	ADP
gujaf-87	103	9	a	a	DET
gujaf-87	103	10	population	population	NOUN
gujaf-87	103	11	of	of	ADP
gujaf-87	103	12	65	65	NUM
gujaf-87	103	13	persons	person	NOUN
gujaf-87	103	14	and	and	CCONJ
gujaf-87	103	15	a	a	DET
gujaf-87	103	16	sample	sample	NOUN
gujaf-87	103	17	size	size	NOUN
gujaf-87	103	18	of	of	ADP
gujaf-87	103	19	50	50	NUM
gujaf-87	103	20	persons	person	NOUN
gujaf-87	103	21	taken	take	VERB
gujaf-87	103	22	from	from	ADP
gujaf-87	103	23	the	the	DET
gujaf-87	103	24	ministry	ministry	NOUN
gujaf-87	103	25	’s	’s	PART
gujaf-87	103	26	departments	department	NOUN
gujaf-87	103	27	in	in	ADP
gujaf-87	103	28	the	the	DET
gujaf-87	103	29	harare	harare	PROPN
gujaf-87	103	30	region	region	NOUN
gujaf-87	103	31	.	.	PUNCT
gujaf-87	104	1	percentages	percentage	NOUN
gujaf-87	104	2	and	and	CCONJ
gujaf-87	104	3	mode	mode	NOUN
gujaf-87	104	4	were	be	AUX
gujaf-87	104	5	used	use	VERB
gujaf-87	104	6	in	in	ADP
gujaf-87	104	7	analyzing	analyze	VERB
gujaf-87	104	8	the	the	DET
gujaf-87	104	9	data	datum	NOUN
gujaf-87	104	10	and	and	CCONJ
gujaf-87	104	11	the	the	DET
gujaf-87	104	12	results	result	NOUN
gujaf-87	104	13	presented	present	VERB
gujaf-87	104	14	in	in	ADP
gujaf-87	104	15	tables	table	NOUN
gujaf-87	104	16	,	,	PUNCT
gujaf-87	104	17	graphs	graph	NOUN
gujaf-87	104	18	,	,	PUNCT
gujaf-87	104	19	and	and	CCONJ
gujaf-87	104	20	charts	chart	NOUN
gujaf-87	104	21	utilizing	utilize	VERB
gujaf-87	104	22	primary	primary	ADJ
gujaf-87	104	23	data	datum	NOUN
gujaf-87	104	24	gathered	gather	VERB
gujaf-87	104	25	by	by	ADP
gujaf-87	104	26	questionnaire	questionnaire	NOUN
gujaf-87	104	27	.	.	PUNCT
gujaf-87	105	1	the	the	DET
gujaf-87	105	2	study	study	NOUN
gujaf-87	105	3	found	find	VERB
gujaf-87	105	4	that	that	SCONJ
gujaf-87	105	5	major	major	ADJ
gujaf-87	105	6	problems	problem	NOUN
gujaf-87	105	7	include	include	VERB
gujaf-87	105	8	;	;	PUNCT
gujaf-87	105	9	among	among	ADP
gujaf-87	105	10	others	other	NOUN
gujaf-87	105	11	,	,	PUNCT
gujaf-87	105	12	a	a	DET
gujaf-87	105	13	lack	lack	NOUN
gujaf-87	105	14	of	of	ADP
gujaf-87	105	15	educated	educated	ADJ
gujaf-87	105	16	employees	employee	NOUN
gujaf-87	105	17	,	,	PUNCT
gujaf-87	105	18	which	which	PRON
gujaf-87	105	19	led	lead	VERB
gujaf-87	105	20	to	to	ADP
gujaf-87	105	21	knowledge	knowledge	NOUN
gujaf-87	105	22	gap	gap	NOUN
gujaf-87	105	23	in	in	ADP
gujaf-87	105	24	establishing	establish	VERB
gujaf-87	105	25	a	a	DET
gujaf-87	105	26	formal	formal	ADJ
gujaf-87	105	27	system	system	NOUN
gujaf-87	105	28	,	,	PUNCT
gujaf-87	105	29	the	the	DET
gujaf-87	105	30	absence	absence	NOUN
gujaf-87	105	31	of	of	ADP
gujaf-87	105	32	an	an	DET
gujaf-87	105	33	audit	audit	NOUN
gujaf-87	105	34	committee	committee	NOUN
gujaf-87	105	35	,	,	PUNCT
gujaf-87	105	36	a	a	DET
gujaf-87	105	37	lack	lack	NOUN
gujaf-87	105	38	of	of	ADP
gujaf-87	105	39	administrative	administrative	ADJ
gujaf-87	105	40	commitment	commitment	NOUN
gujaf-87	105	41	and	and	CCONJ
gujaf-87	105	42	coordination	coordination	NOUN
gujaf-87	105	43	affected	affect	VERB
gujaf-87	105	44	the	the	DET
gujaf-87	105	45	efficacy	efficacy	NOUN
gujaf-87	105	46	of	of	ADP
gujaf-87	105	47	the	the	DET
gujaf-87	105	48	ministry	ministry	NOUN
gujaf-87	105	49	’s	’s	PART
gujaf-87	105	50	rms	rm	NOUN
gujaf-87	105	51	system	system	NOUN
gujaf-87	105	52	.	.	PUNCT
gujaf-87	106	1	tanveer	tanveer	PROPN
gujaf-87	106	2	et	et	PROPN
gujaf-87	106	3	al	al	PROPN
gujaf-87	106	4	.	.	PROPN
gujaf-87	106	5	2017	2017	NUM
gujaf-87	106	6	)	)	PUNCT
gujaf-87	106	7	evaluated	evaluate	VERB
gujaf-87	106	8	the	the	DET
gujaf-87	106	9	underlying	underlying	ADJ
gujaf-87	106	10	effect	effect	NOUN
gujaf-87	106	11	of	of	ADP
gujaf-87	106	12	rm	rm	NOUN
gujaf-87	106	13	strategies	strategy	NOUN
gujaf-87	106	14	on	on	ADP
gujaf-87	106	15	the	the	DET
gujaf-87	106	16	fp	fp	NOUN
gujaf-87	106	17	of	of	ADP
gujaf-87	106	18	a	a	DET
gujaf-87	106	19	sample	sample	NOUN
gujaf-87	106	20	of	of	ADP
gujaf-87	106	21	pakistan	pakistan	PROPN
gujaf-87	106	22	’s	’s	PART
gujaf-87	106	23	publicly	publicly	ADV
gujaf-87	106	24	trade	trade	NOUN
gujaf-87	106	25	banks	bank	NOUN
gujaf-87	106	26	.	.	PUNCT
gujaf-87	107	1	the	the	DET
gujaf-87	107	2	sample	sample	NOUN
gujaf-87	107	3	size	size	NOUN
gujaf-87	107	4	comprised	comprise	VERB
gujaf-87	107	5	of	of	ADP
gujaf-87	107	6	18	18	NUM
gujaf-87	107	7	best	well	ADV
gujaf-87	107	8	-	-	PUNCT
gujaf-87	107	9	performing	perform	VERB
gujaf-87	107	10	banks	bank	NOUN
gujaf-87	107	11	from	from	ADP
gujaf-87	107	12	2004	2004	NUM
gujaf-87	107	13	to	to	ADP
gujaf-87	107	14	2016	2016	NUM
gujaf-87	107	15	.	.	PUNCT
gujaf-87	108	1	the	the	DET
gujaf-87	108	2	data	datum	NOUN
gujaf-87	108	3	employed	employ	VERB
gujaf-87	108	4	for	for	ADP
gujaf-87	108	5	the	the	DET
gujaf-87	108	6	analysis	analysis	NOUN
gujaf-87	108	7	were	be	AUX
gujaf-87	108	8	mined	mine	VERB
gujaf-87	108	9	from	from	ADP
gujaf-87	108	10	the	the	DET
gujaf-87	108	11	published	publish	VERB
gujaf-87	108	12	audited	audit	VERB
gujaf-87	108	13	financial	financial	ADJ
gujaf-87	108	14	results	result	NOUN
gujaf-87	108	15	of	of	ADP
gujaf-87	108	16	the	the	DET
gujaf-87	108	17	sampled	sample	VERB
gujaf-87	108	18	firms	firm	NOUN
gujaf-87	108	19	.	.	PUNCT
gujaf-87	109	1	using	use	VERB
gujaf-87	109	2	a	a	DET
gujaf-87	109	3	quantitative	quantitative	ADJ
gujaf-87	109	4	research	research	NOUN
gujaf-87	109	5	design	design	NOUN
gujaf-87	109	6	,	,	PUNCT
gujaf-87	109	7	inferential	inferential	ADJ
gujaf-87	109	8	design	design	NOUN
gujaf-87	109	9	,	,	PUNCT
gujaf-87	109	10	descriptive	descriptive	ADJ
gujaf-87	109	11	statistics	statistic	NOUN
gujaf-87	109	12	,	,	PUNCT
gujaf-87	109	13	and	and	CCONJ
gujaf-87	109	14	e	e	NOUN
gujaf-87	109	15	-	-	NOUN
gujaf-87	109	16	views	view	NOUN
gujaf-87	109	17	software	software	NOUN
gujaf-87	109	18	it	it	PRON
gujaf-87	109	19	was	be	AUX
gujaf-87	109	20	revealed	reveal	VERB
gujaf-87	109	21	that	that	SCONJ
gujaf-87	109	22	rm	rm	PROPN
gujaf-87	109	23	techniques	technique	NOUN
gujaf-87	109	24	have	have	VERB
gujaf-87	109	25	a	a	DET
gujaf-87	109	26	considerable	considerable	ADJ
gujaf-87	109	27	influence	influence	NOUN
gujaf-87	109	28	on	on	ADP
gujaf-87	109	29	the	the	DET
gujaf-87	109	30	fp	fp	PROPN
gujaf-87	109	31	pakistani	pakistani	ADJ
gujaf-87	109	32	banks	bank	NOUN
gujaf-87	109	33	.	.	PUNCT
gujaf-87	110	1	further	far	ADV
gujaf-87	110	2	,	,	PUNCT
gujaf-87	110	3	stephen	stephen	PROPN
gujaf-87	110	4	et	et	PROPN
gujaf-87	110	5	al	al	PROPN
gujaf-87	110	6	.	.	PROPN
gujaf-87	111	1	(	(	PUNCT
gujaf-87	111	2	2017	2017	NUM
gujaf-87	111	3	)	)	PUNCT
gujaf-87	111	4	probed	probe	VERB
gujaf-87	111	5	the	the	DET
gujaf-87	111	6	impact	impact	NOUN
gujaf-87	111	7	of	of	ADP
gujaf-87	111	8	financial	financial	ADJ
gujaf-87	111	9	rm	rm	PROPN
gujaf-87	111	10	on	on	ADP
gujaf-87	111	11	commercial	commercial	ADJ
gujaf-87	111	12	banks	bank	NOUN
gujaf-87	111	13	’	'	PUNCT
gujaf-87	111	14	fp	fp	PROPN
gujaf-87	111	15	in	in	ADP
gujaf-87	111	16	kenya	kenya	PROPN
gujaf-87	111	17	through	through	ADP
gujaf-87	111	18	a	a	DET
gujaf-87	111	19	self	self	NOUN
gujaf-87	111	20	-	-	PUNCT
gujaf-87	111	21	administered	administer	VERB
gujaf-87	111	22	survey	survey	NOUN
gujaf-87	111	23	,	,	PUNCT
gujaf-87	111	24	which	which	PRON
gujaf-87	111	25	covered	cover	VERB
gujaf-87	111	26	a	a	DET
gujaf-87	111	27	period	period	NOUN
gujaf-87	111	28	of	of	ADP
gujaf-87	111	29	five	five	NUM
gujaf-87	111	30	years	year	NOUN
gujaf-87	111	31	(	(	PUNCT
gujaf-87	111	32	2008	2008	NUM
gujaf-87	111	33	to	to	ADP
gujaf-87	111	34	2012	2012	NUM
gujaf-87	111	35	)	)	PUNCT
gujaf-87	111	36	.	.	PUNCT
gujaf-87	112	1	using	use	VERB
gujaf-87	112	2	multiple	multiple	ADJ
gujaf-87	112	3	regression	regression	NOUN
gujaf-87	112	4	analysis	analysis	NOUN
gujaf-87	112	5	to	to	PART
gujaf-87	112	6	analyze	analyze	VERB
gujaf-87	112	7	the	the	DET
gujaf-87	112	8	study	study	NOUN
gujaf-87	112	9	,	,	PUNCT
gujaf-87	112	10	it	it	PRON
gujaf-87	112	11	was	be	AUX
gujaf-87	112	12	found	find	VERB
gujaf-87	112	13	that	that	SCONJ
gujaf-87	112	14	majority	majority	NOUN
gujaf-87	112	15	of	of	ADP
gujaf-87	112	16	kenyan	kenyan	PROPN
gujaf-87	112	17	bank	bank	PROPN
gujaf-87	112	18	maintained	maintain	VERB
gujaf-87	112	19	good	good	ADJ
gujaf-87	112	20	financial	financial	ADJ
gujaf-87	112	21	risk	risk	NOUN
gujaf-87	112	22	management	management	NOUN
gujaf-87	112	23	.	.	PUNCT
gujaf-87	113	1	similarly	similarly	ADV
gujaf-87	113	2	,	,	PUNCT
gujaf-87	113	3	harelimana	harelimana	PROPN
gujaf-87	113	4	(	(	PUNCT
gujaf-87	113	5	2017	2017	NUM
gujaf-87	113	6	)	)	PUNCT
gujaf-87	113	7	analyzed	analyze	VERB
gujaf-87	113	8	the	the	DET
gujaf-87	113	9	importance	importance	NOUN
gujaf-87	113	10	of	of	ADP
gujaf-87	113	11	rm	rm	PROPN
gujaf-87	113	12	in	in	ADP
gujaf-87	113	13	rwandan	rwandan	PROPN
gujaf-87	113	14	institutions	institution	NOUN
gujaf-87	113	15	’	'	PUNCT
gujaf-87	113	16	fp	fp	X
gujaf-87	113	17	adopting	adopt	VERB
gujaf-87	113	18	unguka	unguka	PROPN
gujaf-87	113	19	bank	bank	PROPN
gujaf-87	113	20	ltd	ltd	PROPN
gujaf-87	113	21	as	as	ADP
gujaf-87	113	22	a	a	DET
gujaf-87	113	23	case	case	NOUN
gujaf-87	113	24	study	study	NOUN
gujaf-87	113	25	from	from	ADP
gujaf-87	113	26	2012	2012	NUM
gujaf-87	113	27	to	to	ADP
gujaf-87	113	28	2016	2016	NUM
gujaf-87	113	29	.	.	PUNCT
gujaf-87	114	1	the	the	DET
gujaf-87	114	2	information	information	NOUN
gujaf-87	114	3	was	be	AUX
gujaf-87	114	4	gathered	gather	VERB
gujaf-87	114	5	through	through	ADP
gujaf-87	114	6	a	a	DET
gujaf-87	114	7	questionnaire	questionnaire	NOUN
gujaf-87	114	8	that	that	PRON
gujaf-87	114	9	was	be	AUX
gujaf-87	114	10	distributed	distribute	VERB
gujaf-87	114	11	to	to	ADP
gujaf-87	114	12	30	30	NUM
gujaf-87	114	13	unguka	unguka	PROPN
gujaf-87	114	14	bank	bank	PROPN
gujaf-87	114	15	ltd	ltd	PROPN
gujaf-87	114	16	employees	employee	NOUN
gujaf-87	114	17	.	.	PUNCT
gujaf-87	115	1	the	the	DET
gujaf-87	115	2	results	result	NOUN
gujaf-87	115	3	demonstrated	demonstrate	VERB
gujaf-87	115	4	that	that	SCONJ
gujaf-87	115	5	interest	interest	NOUN
gujaf-87	115	6	rate	rate	NOUN
gujaf-87	115	7	,	,	PUNCT
gujaf-87	115	8	operational	operational	ADJ
gujaf-87	115	9	risk	risk	NOUN
gujaf-87	115	10	,	,	PUNCT
gujaf-87	115	11	liquidity	liquidity	NOUN
gujaf-87	115	12	risk	risk	NOUN
gujaf-87	115	13	and	and	CCONJ
gujaf-87	115	14	credit	credit	NOUN
gujaf-87	115	15	risk	risk	NOUN
gujaf-87	115	16	are	be	AUX
gujaf-87	115	17	factors	factor	NOUN
gujaf-87	115	18	of	of	ADP
gujaf-87	115	19	risk	risk	NOUN
gujaf-87	115	20	management	management	NOUN
gujaf-87	115	21	using	use	VERB
gujaf-87	115	22	both	both	CCONJ
gujaf-87	115	23	quantitative	quantitative	ADJ
gujaf-87	115	24	and	and	CCONJ
gujaf-87	115	25	qualitative	qualitative	ADJ
gujaf-87	115	26	methodologies	methodology	NOUN
gujaf-87	115	27	.	.	PUNCT
gujaf-87	116	1	the	the	DET
gujaf-87	116	2	researcher	researcher	NOUN
gujaf-87	116	3	also	also	ADV
gujaf-87	116	4	discovered	discover	VERB
gujaf-87	116	5	a	a	DET
gujaf-87	116	6	substantial	substantial	ADJ
gujaf-87	116	7	link	link	NOUN
gujaf-87	116	8	between	between	ADP
gujaf-87	116	9	risk	risk	NOUN
gujaf-87	116	10	management	management	NOUN
gujaf-87	116	11	and	and	CCONJ
gujaf-87	116	12	unguka	unguka	PROPN
gujaf-87	116	13	bank	bank	PROPN
gujaf-87	116	14	ltd	ltd	PROPN
gujaf-87	116	15	.	.	PROPN
gujaf-87	116	16	’s	’s	PART
gujaf-87	116	17	financial	financial	ADJ
gujaf-87	116	18	success	success	NOUN
gujaf-87	116	19	.	.	PUNCT
gujaf-87	117	1	additionally	additionally	ADV
gujaf-87	117	2	,	,	PUNCT
gujaf-87	117	3	ayodele	ayodele	PROPN
gujaf-87	117	4	and	and	CCONJ
gujaf-87	117	5	alabi	alabi	NOUN
gujaf-87	117	6	(	(	PUNCT
gujaf-87	117	7	2014	2014	NUM
gujaf-87	117	8	)	)	PUNCT
gujaf-87	117	9	considered	consider	VERB
gujaf-87	117	10	management	management	NOUN
gujaf-87	117	11	of	of	ADP
gujaf-87	117	12	risk	risk	NOUN
gujaf-87	117	13	in	in	ADP
gujaf-87	117	14	the	the	DET
gujaf-87	117	15	banking	banking	NOUN
gujaf-87	117	16	sector	sector	NOUN
gujaf-87	117	17	in	in	ADP
gujaf-87	117	18	nigeria	nigeria	PROPN
gujaf-87	117	19	with	with	ADP
gujaf-87	117	20	the	the	DET
gujaf-87	117	21	selection	selection	NOUN
gujaf-87	117	22	of	of	ADP
gujaf-87	117	23	first	first	ADJ
gujaf-87	117	24	bank	bank	PROPN
gujaf-87	117	25	of	of	ADP
gujaf-87	117	26	nigeria	nigeria	PROPN
gujaf-87	117	27	plc	plc	PROPN
gujaf-87	117	28	as	as	ADP
gujaf-87	117	29	a	a	DET
gujaf-87	117	30	case	case	NOUN
gujaf-87	117	31	study	study	NOUN
gujaf-87	117	32	,	,	PUNCT
gujaf-87	117	33	due	due	ADP
gujaf-87	117	34	to	to	ADP
gujaf-87	117	35	its	its	PRON
gujaf-87	117	36	status	status	NOUN
gujaf-87	117	37	as	as	ADP
gujaf-87	117	38	the	the	DET
gujaf-87	117	39	oldest	old	ADJ
gujaf-87	117	40	and	and	CCONJ
gujaf-87	117	41	largest	large	ADJ
gujaf-87	117	42	bank	bank	NOUN
gujaf-87	117	43	out	out	ADP
gujaf-87	117	44	of	of	ADP
gujaf-87	117	45	the	the	DET
gujaf-87	117	46	twenty	twenty	NUM
gujaf-87	117	47	-	-	PUNCT
gujaf-87	117	48	three	three	NUM
gujaf-87	117	49	(	(	PUNCT
gujaf-87	117	50	23	23	NUM
gujaf-87	117	51	)	)	PUNCT
gujaf-87	117	52	banks	bank	NOUN
gujaf-87	117	53	operating	operate	VERB
gujaf-87	117	54	in	in	ADP
gujaf-87	117	55	nigeria	nigeria	PROPN
gujaf-87	117	56	as	as	ADP
gujaf-87	117	57	at	at	ADP
gujaf-87	117	58	that	that	DET
gujaf-87	117	59	time	time	NOUN
gujaf-87	117	60	.	.	PUNCT
gujaf-87	118	1	the	the	DET
gujaf-87	118	2	study	study	NOUN
gujaf-87	118	3	administered	administer	VERB
gujaf-87	118	4	questionnaires	questionnaire	NOUN
gujaf-87	118	5	to	to	ADP
gujaf-87	118	6	members	member	NOUN
gujaf-87	118	7	of	of	ADP
gujaf-87	118	8	staff	staff	NOUN
gujaf-87	118	9	to	to	PART
gujaf-87	118	10	obtain	obtain	VERB
gujaf-87	118	11	primary	primary	ADJ
gujaf-87	118	12	data	datum	NOUN
gujaf-87	118	13	.	.	PUNCT
gujaf-87	119	1	to	to	PART
gujaf-87	119	2	test	test	VERB
gujaf-87	119	3	the	the	DET
gujaf-87	119	4	hypothesis	hypothesis	NOUN
gujaf-87	119	5	,	,	PUNCT
gujaf-87	119	6	the	the	DET
gujaf-87	119	7	researcher	researcher	NOUN
gujaf-87	119	8	employed	employ	VERB
gujaf-87	119	9	percentages	percentage	NOUN
gujaf-87	119	10	,	,	PUNCT
gujaf-87	119	11	chi	chi	NOUN
gujaf-87	119	12	-	-	PUNCT
gujaf-87	119	13	square	square	ADJ
gujaf-87	119	14	,	,	PUNCT
gujaf-87	119	15	and	and	CCONJ
gujaf-87	119	16	analysis	analysis	NOUN
gujaf-87	119	17	of	of	ADP
gujaf-87	119	18	variance	variance	NOUN
gujaf-87	119	19	(	(	PUNCT
gujaf-87	119	20	anova	anova	PROPN
gujaf-87	119	21	)	)	PUNCT
gujaf-87	119	22	to	to	PART
gujaf-87	119	23	evaluate	evaluate	VERB
gujaf-87	119	24	the	the	DET
gujaf-87	119	25	data	datum	NOUN
gujaf-87	119	26	.	.	PUNCT
gujaf-87	120	1	the	the	DET
gujaf-87	120	2	findings	finding	NOUN
gujaf-87	120	3	indicated	indicate	VERB
gujaf-87	120	4	that	that	SCONJ
gujaf-87	120	5	credit	credit	NOUN
gujaf-87	120	6	risk	risk	NOUN
gujaf-87	120	7	and	and	CCONJ
gujaf-87	120	8	operational	operational	ADJ
gujaf-87	120	9	risk	risk	NOUN
gujaf-87	120	10	had	have	VERB
gujaf-87	120	11	a	a	DET
gujaf-87	120	12	greater	great	ADJ
gujaf-87	120	13	impact	impact	NOUN
gujaf-87	120	14	on	on	ADP
gujaf-87	120	15	nigerian	nigerian	ADJ
gujaf-87	120	16	banking	banking	NOUN
gujaf-87	120	17	operations	operation	NOUN
gujaf-87	120	18	than	than	ADP
gujaf-87	120	19	market	market	NOUN
gujaf-87	120	20	risk	risk	NOUN
gujaf-87	120	21	.	.	PUNCT
gujaf-87	121	1	fraud	fraud	NOUN
gujaf-87	121	2	and	and	CCONJ
gujaf-87	121	3	forgeries	forgery	NOUN
gujaf-87	121	4	also	also	ADV
gujaf-87	121	5	have	have	VERB
gujaf-87	121	6	a	a	DET
gujaf-87	121	7	7	7	NUM
gujaf-87	121	8	negative	negative	ADJ
gujaf-87	121	9	impact	impact	NOUN
gujaf-87	121	10	on	on	ADP
gujaf-87	121	11	banking	banking	NOUN
gujaf-87	121	12	operations	operation	NOUN
gujaf-87	121	13	.	.	PUNCT
gujaf-87	122	1	rm	rm	NOUN
gujaf-87	122	2	measures	measure	NOUN
gujaf-87	122	3	established	establish	VERB
gujaf-87	122	4	by	by	ADP
gujaf-87	122	5	bank	bank	NOUN
gujaf-87	122	6	management	management	NOUN
gujaf-87	122	7	,	,	PUNCT
gujaf-87	122	8	on	on	ADP
gujaf-87	122	9	the	the	DET
gujaf-87	122	10	other	other	ADJ
gujaf-87	122	11	hand	hand	NOUN
gujaf-87	122	12	,	,	PUNCT
gujaf-87	122	13	serve	serve	VERB
gujaf-87	122	14	as	as	ADP
gujaf-87	122	15	a	a	DET
gujaf-87	122	16	deterrent	deterrent	NOUN
gujaf-87	122	17	to	to	ADP
gujaf-87	122	18	the	the	DET
gujaf-87	122	19	different	different	ADJ
gujaf-87	122	20	dangers	danger	NOUN
gujaf-87	122	21	that	that	SCONJ
gujaf-87	122	22	nigerian	nigerian	ADJ
gujaf-87	122	23	banks	bank	NOUN
gujaf-87	122	24	face	face	VERB
gujaf-87	122	25	.	.	PUNCT
gujaf-87	123	1	on	on	ADP
gujaf-87	123	2	the	the	DET
gujaf-87	123	3	other	other	ADJ
gujaf-87	123	4	hand	hand	NOUN
gujaf-87	123	5	,	,	PUNCT
gujaf-87	123	6	marshal	marshal	NOUN
gujaf-87	123	7	and	and	CCONJ
gujaf-87	123	8	onyekachi	onyekachi	PROPN
gujaf-87	123	9	(	(	PUNCT
gujaf-87	123	10	2014	2014	NUM
gujaf-87	123	11	)	)	PUNCT
gujaf-87	123	12	conducted	conduct	VERB
gujaf-87	123	13	an	an	DET
gujaf-87	123	14	empirical	empirical	ADJ
gujaf-87	123	15	examination	examination	NOUN
gujaf-87	123	16	on	on	ADP
gujaf-87	123	17	the	the	DET
gujaf-87	123	18	impact	impact	NOUN
gujaf-87	123	19	of	of	ADP
gujaf-87	123	20	credit	credit	NOUN
gujaf-87	123	21	risk	risk	NOUN
gujaf-87	123	22	on	on	ADP
gujaf-87	123	23	bank	bank	NOUN
gujaf-87	123	24	performance	performance	NOUN
gujaf-87	123	25	in	in	ADP
gujaf-87	123	26	nigeria	nigeria	PROPN
gujaf-87	123	27	over	over	ADP
gujaf-87	123	28	a	a	DET
gujaf-87	123	29	period	period	NOUN
gujaf-87	123	30	of	of	ADP
gujaf-87	123	31	15	15	NUM
gujaf-87	123	32	years	year	NOUN
gujaf-87	123	33	,	,	PUNCT
gujaf-87	123	34	1997	1997	NUM
gujaf-87	123	35	to	to	ADP
gujaf-87	123	36	2011	2011	NUM
gujaf-87	123	37	.	.	PUNCT
gujaf-87	124	1	using	use	VERB
gujaf-87	124	2	a	a	DET
gujaf-87	124	3	judgmental	judgmental	ADJ
gujaf-87	124	4	sampling	sample	VERB
gujaf-87	124	5	procedure	procedure	NOUN
gujaf-87	124	6	,	,	PUNCT
gujaf-87	124	7	five	five	NUM
gujaf-87	124	8	banking	banking	NOUN
gujaf-87	124	9	organizations	organization	NOUN
gujaf-87	124	10	chosen	choose	VERB
gujaf-87	124	11	from	from	ADP
gujaf-87	124	12	nigeria	nigeria	PROPN
gujaf-87	124	13	’s	’s	PART
gujaf-87	124	14	twenty	twenty	NUM
gujaf-87	124	15	current	current	ADJ
gujaf-87	124	16	deposit	deposit	NOUN
gujaf-87	124	17	money	money	NOUN
gujaf-87	124	18	banks	bank	NOUN
gujaf-87	124	19	.	.	PUNCT
gujaf-87	125	1	the	the	DET
gujaf-87	125	2	study	study	NOUN
gujaf-87	125	3	mined	mine	VERB
gujaf-87	125	4	secondary	secondary	ADJ
gujaf-87	125	5	data	datum	NOUN
gujaf-87	125	6	from	from	ADP
gujaf-87	125	7	the	the	DET
gujaf-87	125	8	sampled	sample	VERB
gujaf-87	125	9	companies	company	NOUN
gujaf-87	125	10	’	'	PUNCT
gujaf-87	125	11	financial	financial	ADJ
gujaf-87	125	12	statements	statement	NOUN
gujaf-87	125	13	.	.	PUNCT
gujaf-87	126	1	the	the	DET
gujaf-87	126	2	study	study	NOUN
gujaf-87	126	3	discovered	discover	VERB
gujaf-87	126	4	a	a	DET
gujaf-87	126	5	favorable	favorable	ADJ
gujaf-87	126	6	association	association	NOUN
gujaf-87	126	7	between	between	ADP
gujaf-87	126	8	the	the	DET
gujaf-87	126	9	ratio	ratio	NOUN
gujaf-87	126	10	of	of	ADP
gujaf-87	126	11	non	non	ADJ
gujaf-87	126	12	-	-	ADJ
gujaf-87	126	13	performing	performing	ADJ
gujaf-87	126	14	loans	loan	NOUN
gujaf-87	126	15	to	to	ADP
gujaf-87	126	16	loans	loan	NOUN
gujaf-87	126	17	and	and	CCONJ
gujaf-87	126	18	advances	advance	NOUN
gujaf-87	126	19	and	and	CCONJ
gujaf-87	126	20	bank	bank	NOUN
gujaf-87	126	21	performance	performance	NOUN
gujaf-87	126	22	using	use	VERB
gujaf-87	126	23	panel	panel	NOUN
gujaf-87	126	24	data	datum	NOUN
gujaf-87	126	25	regression	regression	NOUN
gujaf-87	126	26	techniques	technique	NOUN
gujaf-87	126	27	.	.	PUNCT
gujaf-87	127	1	furthermore	furthermore	ADV
gujaf-87	127	2	,	,	PUNCT
gujaf-87	127	3	adeusi	adeusi	PROPN
gujaf-87	127	4	et	et	PROPN
gujaf-87	127	5	al	al	PROPN
gujaf-87	127	6	.	.	PROPN
gujaf-87	128	1	(	(	PUNCT
gujaf-87	128	2	2014	2014	NUM
gujaf-87	128	3	)	)	PUNCT
gujaf-87	128	4	found	find	VERB
gujaf-87	128	5	banking	banking	NOUN
gujaf-87	128	6	risk	risk	NOUN
gujaf-87	128	7	management	management	NOUN
gujaf-87	128	8	difficulties	difficulty	NOUN
gujaf-87	128	9	to	to	PART
gujaf-87	128	10	have	have	VERB
gujaf-87	128	11	a	a	DET
gujaf-87	128	12	significant	significant	ADJ
gujaf-87	128	13	impact	impact	NOUN
gujaf-87	128	14	not	not	PART
gujaf-87	128	15	just	just	ADV
gujaf-87	128	16	on	on	ADP
gujaf-87	128	17	bank	bank	NOUN
gujaf-87	128	18	performance	performance	NOUN
gujaf-87	128	19	but	but	CCONJ
gujaf-87	128	20	also	also	ADV
gujaf-87	128	21	on	on	ADP
gujaf-87	128	22	national	national	ADJ
gujaf-87	128	23	economic	economic	ADJ
gujaf-87	128	24	growth	growth	NOUN
gujaf-87	128	25	and	and	CCONJ
gujaf-87	128	26	general	general	ADJ
gujaf-87	128	27	company	company	NOUN
gujaf-87	128	28	development	development	NOUN
gujaf-87	128	29	.	.	PUNCT
gujaf-87	129	1	secondary	secondary	ADJ
gujaf-87	129	2	data	datum	NOUN
gujaf-87	129	3	were	be	AUX
gujaf-87	129	4	extracted	extract	VERB
gujaf-87	129	5	from	from	ADP
gujaf-87	129	6	the	the	DET
gujaf-87	129	7	annual	annual	ADJ
gujaf-87	129	8	reports	report	NOUN
gujaf-87	129	9	of	of	ADP
gujaf-87	129	10	the	the	DET
gujaf-87	129	11	sampled	sample	VERB
gujaf-87	129	12	banks	bank	NOUN
gujaf-87	129	13	covering	cover	VERB
gujaf-87	129	14	period	period	NOUN
gujaf-87	129	15	of	of	ADP
gujaf-87	129	16	a	a	DET
gujaf-87	129	17	four	four	NUM
gujaf-87	129	18	years	year	NOUN
gujaf-87	129	19	to	to	PART
gujaf-87	129	20	investigate	investigate	VERB
gujaf-87	129	21	the	the	DET
gujaf-87	129	22	relationship	relationship	NOUN
gujaf-87	129	23	between	between	ADP
gujaf-87	129	24	risk	risk	NOUN
gujaf-87	129	25	management	management	NOUN
gujaf-87	129	26	techniques	technique	NOUN
gujaf-87	129	27	and	and	CCONJ
gujaf-87	129	28	bank	bank	NOUN
gujaf-87	129	29	financial	financial	ADJ
gujaf-87	129	30	performance	performance	NOUN
gujaf-87	129	31	in	in	ADP
gujaf-87	129	32	nigeria	nigeria	PROPN
gujaf-87	129	33	.	.	PUNCT
gujaf-87	130	1	the	the	DET
gujaf-87	130	2	results	result	NOUN
gujaf-87	130	3	demonstrated	demonstrate	VERB
gujaf-87	130	4	a	a	DET
gujaf-87	130	5	negative	negative	ADJ
gujaf-87	130	6	link	link	NOUN
gujaf-87	130	7	between	between	ADP
gujaf-87	130	8	bank	bank	NOUN
gujaf-87	130	9	financial	financial	ADJ
gujaf-87	130	10	performance	performance	NOUN
gujaf-87	130	11	and	and	CCONJ
gujaf-87	130	12	question	question	NOUN
gujaf-87	130	13	loans	loan	NOUN
gujaf-87	130	14	when	when	SCONJ
gujaf-87	130	15	panel	panel	NOUN
gujaf-87	130	16	data	datum	NOUN
gujaf-87	130	17	estimate	estimate	NOUN
gujaf-87	130	18	was	be	AUX
gujaf-87	130	19	used	use	VERB
gujaf-87	130	20	,	,	PUNCT
gujaf-87	130	21	whereas	whereas	SCONJ
gujaf-87	130	22	capital	capital	NOUN
gujaf-87	130	23	asset	asset	NOUN
gujaf-87	130	24	ratio	ratio	NOUN
gujaf-87	130	25	was	be	AUX
gujaf-87	130	26	shown	show	VERB
gujaf-87	130	27	to	to	PART
gujaf-87	130	28	be	be	AUX
gujaf-87	130	29	favorably	favorably	ADV
gujaf-87	130	30	and	and	CCONJ
gujaf-87	130	31	significantly	significantly	ADV
gujaf-87	130	32	affecting	affect	VERB
gujaf-87	130	33	performance	performance	NOUN
gujaf-87	130	34	.	.	PUNCT
gujaf-87	131	1	moreover	moreover	ADV
gujaf-87	131	2	,	,	PUNCT
gujaf-87	131	3	funso	funso	PROPN
gujaf-87	131	4	et	et	PROPN
gujaf-87	131	5	al	al	PROPN
gujaf-87	131	6	(	(	PUNCT
gujaf-87	131	7	2012	2012	NUM
gujaf-87	131	8	)	)	PUNCT
gujaf-87	131	9	empirically	empirically	ADV
gujaf-87	131	10	examined	examine	VERB
gujaf-87	131	11	the	the	DET
gujaf-87	131	12	quantitative	quantitative	ADJ
gujaf-87	131	13	influence	influence	NOUN
gujaf-87	131	14	of	of	ADP
gujaf-87	131	15	credit	credit	NOUN
gujaf-87	131	16	risk	risk	NOUN
gujaf-87	131	17	on	on	ADP
gujaf-87	131	18	the	the	DET
gujaf-87	131	19	performance	performance	NOUN
gujaf-87	131	20	of	of	ADP
gujaf-87	131	21	commercial	commercial	ADJ
gujaf-87	131	22	banks	bank	NOUN
gujaf-87	131	23	in	in	ADP
gujaf-87	131	24	nigeria	nigeria	PROPN
gujaf-87	131	25	.	.	PUNCT
gujaf-87	132	1	covering	cover	VERB
gujaf-87	132	2	a	a	DET
gujaf-87	132	3	period	period	NOUN
gujaf-87	132	4	of	of	ADP
gujaf-87	132	5	11	11	NUM
gujaf-87	132	6	years	year	NOUN
gujaf-87	132	7	,	,	PUNCT
gujaf-87	132	8	2000	2000	NUM
gujaf-87	132	9	to	to	ADP
gujaf-87	132	10	2010	2010	NUM
gujaf-87	132	11	,	,	PUNCT
gujaf-87	132	12	the	the	DET
gujaf-87	132	13	study	study	NOUN
gujaf-87	132	14	selected	select	VERB
gujaf-87	132	15	five	five	NUM
gujaf-87	132	16	commercial	commercial	ADJ
gujaf-87	132	17	banks	bank	NOUN
gujaf-87	132	18	on	on	ADP
gujaf-87	132	19	cross	cross	ADJ
gujaf-87	132	20	-	-	ADJ
gujaf-87	132	21	sectional	sectional	ADJ
gujaf-87	132	22	basis	basis	NOUN
gujaf-87	132	23	.	.	PUNCT
gujaf-87	133	1	in	in	ADP
gujaf-87	133	2	addition	addition	NOUN
gujaf-87	133	3	,	,	PUNCT
gujaf-87	133	4	the	the	DET
gujaf-87	133	5	findings	finding	NOUN
gujaf-87	133	6	revealed	reveal	VERB
gujaf-87	133	7	that	that	SCONJ
gujaf-87	133	8	credit	credit	NOUN
gujaf-87	133	9	risk	risk	NOUN
gujaf-87	133	10	has	have	VERB
gujaf-87	133	11	an	an	DET
gujaf-87	133	12	invariant	invariant	ADJ
gujaf-87	133	13	effect	effect	NOUN
gujaf-87	133	14	on	on	ADP
gujaf-87	133	15	performance	performance	NOUN
gujaf-87	133	16	of	of	ADP
gujaf-87	133	17	banks	bank	NOUN
gujaf-87	133	18	,	,	PUNCT
gujaf-87	133	19	as	as	SCONJ
gujaf-87	133	20	measured	measure	VERB
gujaf-87	133	21	by	by	ADP
gujaf-87	133	22	return	return	NOUN
gujaf-87	133	23	on	on	ADP
gujaf-87	133	24	assets	asset	NOUN
gujaf-87	133	25	of	of	ADP
gujaf-87	133	26	banks	bank	NOUN
gujaf-87	133	27	.	.	PUNCT
gujaf-87	134	1	the	the	DET
gujaf-87	134	2	loanable	loanable	ADJ
gujaf-87	134	3	funds	fund	NOUN
gujaf-87	134	4	theory	theory	NOUN
gujaf-87	134	5	underpinned	underpin	VERB
gujaf-87	134	6	this	this	DET
gujaf-87	134	7	study	study	NOUN
gujaf-87	134	8	,	,	PUNCT
gujaf-87	134	9	the	the	DET
gujaf-87	134	10	financial	financial	ADJ
gujaf-87	134	11	intermediation	intermediation	NOUN
gujaf-87	134	12	function	function	NOUN
gujaf-87	134	13	and	and	CCONJ
gujaf-87	134	14	the	the	DET
gujaf-87	134	15	transaction	transaction	NOUN
gujaf-87	134	16	cost	cost	NOUN
gujaf-87	134	17	theory	theory	NOUN
gujaf-87	134	18	.	.	PUNCT
gujaf-87	135	1	loanable	loanable	ADJ
gujaf-87	135	2	funds	fund	NOUN
gujaf-87	135	3	doctrine	doctrine	NOUN
gujaf-87	135	4	is	be	AUX
gujaf-87	135	5	an	an	DET
gujaf-87	135	6	economics	economics	NOUN
gujaf-87	135	7	theory	theory	NOUN
gujaf-87	135	8	proposed	propose	VERB
gujaf-87	135	9	by	by	ADP
gujaf-87	135	10	swedish	swedish	PROPN
gujaf-87	135	11	economist	economist	NOUN
gujaf-87	135	12	knut	knut	PROPN
gujaf-87	135	13	wicksell	wicksell	PROPN
gujaf-87	135	14	as	as	ADP
gujaf-87	135	15	a	a	DET
gujaf-87	135	16	theory	theory	NOUN
gujaf-87	135	17	of	of	ADP
gujaf-87	135	18	market	market	NOUN
gujaf-87	135	19	interest	interest	NOUN
gujaf-87	135	20	rate	rate	NOUN
gujaf-87	135	21	.	.	PUNCT
gujaf-87	136	1	according	accord	VERB
gujaf-87	136	2	to	to	ADP
gujaf-87	136	3	him	he	PRON
gujaf-87	136	4	,	,	PUNCT
gujaf-87	136	5	the	the	DET
gujaf-87	136	6	interest	interest	NOUN
gujaf-87	136	7	rate	rate	NOUN
gujaf-87	136	8	is	be	AUX
gujaf-87	136	9	determined	determine	VERB
gujaf-87	136	10	by	by	ADP
gujaf-87	136	11	the	the	DET
gujaf-87	136	12	demand	demand	NOUN
gujaf-87	136	13	and	and	CCONJ
gujaf-87	136	14	supply	supply	NOUN
gujaf-87	136	15	of	of	ADP
gujaf-87	136	16	loan	loan	NOUN
gujaf-87	136	17	funds	fund	NOUN
gujaf-87	136	18	,	,	PUNCT
gujaf-87	136	19	which	which	PRON
gujaf-87	136	20	is	be	AUX
gujaf-87	136	21	a	a	DET
gujaf-87	136	22	precondition	precondition	NOUN
gujaf-87	136	23	for	for	ADP
gujaf-87	136	24	the	the	DET
gujaf-87	136	25	evaluation	evaluation	NOUN
gujaf-87	136	26	of	of	ADP
gujaf-87	136	27	credit	credit	NOUN
gujaf-87	136	28	requirements	requirement	NOUN
gujaf-87	136	29	in	in	ADP
gujaf-87	136	30	an	an	DET
gujaf-87	136	31	economy	economy	NOUN
gujaf-87	136	32	.	.	PUNCT
gujaf-87	137	1	in	in	ADP
gujaf-87	137	2	our	our	PRON
gujaf-87	137	3	current	current	ADJ
gujaf-87	137	4	study	study	NOUN
gujaf-87	137	5	,	,	PUNCT
gujaf-87	137	6	the	the	DET
gujaf-87	137	7	interest	interest	NOUN
gujaf-87	137	8	rate	rate	NOUN
gujaf-87	137	9	is	be	AUX
gujaf-87	137	10	the	the	DET
gujaf-87	137	11	risk	risk	NOUN
gujaf-87	137	12	premium	premium	NOUN
gujaf-87	137	13	that	that	SCONJ
gujaf-87	137	14	the	the	DET
gujaf-87	137	15	borrower	borrower	NOUN
gujaf-87	137	16	pays	pay	VERB
gujaf-87	137	17	to	to	PART
gujaf-87	137	18	obtain	obtain	VERB
gujaf-87	137	19	credit	credit	NOUN
gujaf-87	137	20	,	,	PUNCT
gujaf-87	137	21	which	which	PRON
gujaf-87	137	22	influences	influence	VERB
gujaf-87	137	23	the	the	DET
gujaf-87	137	24	demand	demand	NOUN
gujaf-87	137	25	for	for	ADP
gujaf-87	137	26	loanable	loanable	ADJ
gujaf-87	137	27	funds	fund	NOUN
gujaf-87	137	28	(	(	PUNCT
gujaf-87	137	29	gyntelberg	gyntelberg	PROPN
gujaf-87	137	30	,	,	PUNCT
gujaf-87	137	31	johansson	johansson	PROPN
gujaf-87	137	32	&	&	CCONJ
gujaf-87	137	33	persson	persson	PROPN
gujaf-87	137	34	,	,	PUNCT
gujaf-87	137	35	2007	2007	NUM
gujaf-87	137	36	)	)	PUNCT
gujaf-87	137	37	.	.	PUNCT
gujaf-87	138	1	financial	financial	ADJ
gujaf-87	138	2	intermediation	intermediation	NOUN
gujaf-87	138	3	theory	theory	NOUN
gujaf-87	138	4	is	be	AUX
gujaf-87	138	5	a	a	DET
gujaf-87	138	6	hybrid	hybrid	NOUN
gujaf-87	138	7	of	of	ADP
gujaf-87	138	8	information	information	NOUN
gujaf-87	138	9	asymmetry	asymmetry	NOUN
gujaf-87	138	10	theory	theory	NOUN
gujaf-87	138	11	and	and	CCONJ
gujaf-87	138	12	agency	agency	NOUN
gujaf-87	138	13	theory	theory	NOUN
gujaf-87	138	14	that	that	PRON
gujaf-87	138	15	focuses	focus	VERB
gujaf-87	138	16	on	on	ADP
gujaf-87	138	17	fiscal	fiscal	ADJ
gujaf-87	138	18	policy	policy	NOUN
gujaf-87	138	19	rules	rule	NOUN
gujaf-87	138	20	such	such	ADJ
gujaf-87	138	21	monetary	monetary	ADJ
gujaf-87	138	22	policies	policy	NOUN
gujaf-87	138	23	,	,	PUNCT
gujaf-87	138	24	capital	capital	NOUN
gujaf-87	138	25	markets	market	NOUN
gujaf-87	138	26	,	,	PUNCT
gujaf-87	138	27	and	and	CCONJ
gujaf-87	138	28	economic	economic	ADJ
gujaf-87	138	29	finance	finance	NOUN
gujaf-87	138	30	.	.	PUNCT
gujaf-87	139	1	the	the	DET
gujaf-87	139	2	procedure	procedure	NOUN
gujaf-87	139	3	of	of	ADP
gujaf-87	139	4	regulation	regulation	NOUN
gujaf-87	139	5	,	,	PUNCT
gujaf-87	139	6	according	accord	VERB
gujaf-87	139	7	to	to	ADP
gujaf-87	139	8	gurley	gurley	PROPN
gujaf-87	139	9	and	and	CCONJ
gujaf-87	139	10	shaw	shaw	PROPN
gujaf-87	139	11	(	(	PUNCT
gujaf-87	139	12	1960	1960	NUM
gujaf-87	139	13	)	)	PUNCT
gujaf-87	139	14	,	,	PUNCT
gujaf-87	139	15	might	might	AUX
gujaf-87	139	16	affect	affect	VERB
gujaf-87	139	17	the	the	DET
gujaf-87	139	18	liquidity	liquidity	NOUN
gujaf-87	139	19	and	and	CCONJ
gujaf-87	139	20	solvency	solvency	NOUN
gujaf-87	139	21	of	of	ADP
gujaf-87	139	22	intermediaries	intermediary	NOUN
gujaf-87	139	23	.	.	PUNCT
gujaf-87	140	1	rajan	rajan	PROPN
gujaf-87	140	2	(	(	PUNCT
gujaf-87	140	3	2010	2010	NUM
gujaf-87	140	4	)	)	PUNCT
gujaf-87	140	5	also	also	ADV
gujaf-87	140	6	stated	state	VERB
gujaf-87	140	7	that	that	SCONJ
gujaf-87	140	8	policies	policy	NOUN
gujaf-87	140	9	governing	govern	VERB
gujaf-87	140	10	intermediary	intermediary	ADJ
gujaf-87	140	11	capital	capital	NOUN
gujaf-87	140	12	have	have	VERB
gujaf-87	140	13	an	an	DET
gujaf-87	140	14	impact	impact	NOUN
gujaf-87	140	15	on	on	ADP
gujaf-87	140	16	the	the	DET
gujaf-87	140	17	health	health	NOUN
gujaf-87	140	18	,	,	PUNCT
gujaf-87	140	19	ability	ability	NOUN
gujaf-87	140	20	to	to	PART
gujaf-87	140	21	refinance	refinance	VERB
gujaf-87	140	22	,	,	PUNCT
gujaf-87	140	23	and	and	CCONJ
gujaf-87	140	24	manner	manner	NOUN
gujaf-87	140	25	of	of	ADP
gujaf-87	140	26	debt	debt	NOUN
gujaf-87	140	27	collection	collection	NOUN
gujaf-87	140	28	used	use	VERB
gujaf-87	140	29	by	by	ADP
gujaf-87	140	30	businesses	business	NOUN
gujaf-87	140	31	.	.	PUNCT
gujaf-87	141	1	the	the	DET
gujaf-87	141	2	classic	classic	ADJ
gujaf-87	141	3	article	article	NOUN
gujaf-87	141	4	the	the	DET
gujaf-87	141	5	nature	nature	NOUN
gujaf-87	141	6	of	of	ADP
gujaf-87	141	7	the	the	DET
gujaf-87	141	8	firm	firm	NOUN
gujaf-87	141	9	by	by	ADP
gujaf-87	141	10	ronald	ronald	PROPN
gujaf-87	141	11	coase	coase	PROPN
gujaf-87	141	12	(	(	PUNCT
gujaf-87	141	13	1937	1937	NUM
gujaf-87	141	14	)	)	PUNCT
gujaf-87	141	15	gave	give	VERB
gujaf-87	141	16	birth	birth	NOUN
gujaf-87	141	17	to	to	ADP
gujaf-87	141	18	transaction	transaction	NOUN
gujaf-87	141	19	cost	cost	NOUN
gujaf-87	141	20	theory	theory	NOUN
gujaf-87	141	21	.	.	PUNCT
gujaf-87	142	1	transaction	transaction	NOUN
gujaf-87	142	2	costs	cost	NOUN
gujaf-87	142	3	,	,	PUNCT
gujaf-87	142	4	according	accord	VERB
gujaf-87	142	5	to	to	ADP
gujaf-87	142	6	coase	coase	PROPN
gujaf-87	142	7	(	(	PUNCT
gujaf-87	142	8	1960	1960	NUM
gujaf-87	142	9	)	)	PUNCT
gujaf-87	142	10	,	,	PUNCT
gujaf-87	142	11	include	include	VERB
gujaf-87	142	12	information	information	NOUN
gujaf-87	142	13	acquisition	acquisition	NOUN
gujaf-87	142	14	and	and	CCONJ
gujaf-87	142	15	bargaining	bargaining	NOUN
gujaf-87	142	16	costs	cost	NOUN
gujaf-87	142	17	.	.	PUNCT
gujaf-87	143	1	transaction	transaction	NOUN
gujaf-87	143	2	costs	cost	NOUN
gujaf-87	143	3	,	,	PUNCT
gujaf-87	143	4	according	accord	VERB
gujaf-87	143	5	to	to	ADP
gujaf-87	143	6	furobotn	furobotn	PROPN
gujaf-87	143	7	,	,	PUNCT
gujaf-87	143	8	richter	richter	PROPN
gujaf-87	143	9	,	,	PUNCT
gujaf-87	143	10	and	and	CCONJ
gujaf-87	143	11	lozano	lozano	PROPN
gujaf-87	143	12	(	(	PUNCT
gujaf-87	143	13	1997	1997	NUM
gujaf-87	143	14	)	)	PUNCT
gujaf-87	143	15	,	,	PUNCT
gujaf-87	143	16	include	include	VERB
gujaf-87	143	17	the	the	DET
gujaf-87	143	18	expenses	expense	NOUN
gujaf-87	143	19	of	of	ADP
gujaf-87	143	20	drafting	draft	VERB
gujaf-87	143	21	contracts	contract	NOUN
gujaf-87	143	22	,	,	PUNCT
gujaf-87	143	23	signing	signing	NOUN
gujaf-87	143	24	contracts	contract	NOUN
gujaf-87	143	25	,	,	PUNCT
gujaf-87	143	26	and	and	CCONJ
gujaf-87	143	27	monitoring	monitoring	NOUN
gujaf-87	143	28	and	and	CCONJ
gujaf-87	143	29	enforcing	enforce	VERB
gujaf-87	143	30	contracts	contract	NOUN
gujaf-87	143	31	.	.	PUNCT
gujaf-87	144	1	he	he	PRON
gujaf-87	144	2	noticed	notice	VERB
gujaf-87	144	3	that	that	SCONJ
gujaf-87	144	4	market	market	NOUN
gujaf-87	144	5	prices	price	NOUN
gujaf-87	144	6	regulate	regulate	VERB
gujaf-87	144	7	connections	connection	NOUN
gujaf-87	144	8	between	between	ADP
gujaf-87	144	9	firms	firm	NOUN
gujaf-87	144	10	,	,	PUNCT
gujaf-87	144	11	but	but	CCONJ
gujaf-87	144	12	that	that	SCONJ
gujaf-87	144	13	decisions	decision	NOUN
gujaf-87	144	14	within	within	ADP
gujaf-87	144	15	a	a	DET
gujaf-87	144	16	firm	firm	NOUN
gujaf-87	144	17	are	be	AUX
gujaf-87	144	18	determined	determine	VERB
gujaf-87	144	19	based	base	VERB
gujaf-87	144	20	on	on	ADP
gujaf-87	144	21	profit	profit	NOUN
gujaf-87	144	22	maximization	maximization	NOUN
gujaf-87	144	23	.	.	PUNCT
gujaf-87	145	1	financial	financial	ADJ
gujaf-87	145	2	intermediaries	intermediary	NOUN
gujaf-87	145	3	and	and	CCONJ
gujaf-87	145	4	financial	financial	ADJ
gujaf-87	145	5	institutions	institution	NOUN
gujaf-87	145	6	face	face	VERB
gujaf-87	145	7	transaction	transaction	NOUN
gujaf-87	145	8	costs	cost	NOUN
gujaf-87	145	9	in	in	ADP
gujaf-87	145	10	financial	financial	ADJ
gujaf-87	145	11	exchange	exchange	NOUN
gujaf-87	145	12	as	as	ADP
gujaf-87	145	13	a	a	DET
gujaf-87	145	14	result	result	NOUN
gujaf-87	145	15	of	of	ADP
gujaf-87	145	16	credit	credit	NOUN
gujaf-87	145	17	risk	risk	NOUN
gujaf-87	145	18	,	,	PUNCT
gujaf-87	145	19	which	which	PRON
gujaf-87	145	20	manifests	manifest	VERB
gujaf-87	145	21	itself	itself	PRON
gujaf-87	145	22	in	in	ADP
gujaf-87	145	23	the	the	DET
gujaf-87	145	24	8	8	NUM
gujaf-87	145	25	form	form	NOUN
gujaf-87	145	26	of	of	ADP
gujaf-87	145	27	collateral	collateral	ADJ
gujaf-87	145	28	requirements	requirement	NOUN
gujaf-87	145	29	,	,	PUNCT
gujaf-87	145	30	uncertainty	uncertainty	NOUN
gujaf-87	145	31	,	,	PUNCT
gujaf-87	145	32	investments	investment	NOUN
gujaf-87	145	33	in	in	ADP
gujaf-87	145	34	specific	specific	ADJ
gujaf-87	145	35	issues	issue	NOUN
gujaf-87	145	36	,	,	PUNCT
gujaf-87	145	37	and	and	CCONJ
gujaf-87	145	38	high	high	ADJ
gujaf-87	145	39	costs	cost	NOUN
gujaf-87	145	40	associated	associate	VERB
gujaf-87	145	41	with	with	ADP
gujaf-87	145	42	monitoring	monitor	VERB
gujaf-87	145	43	authorized	authorize	VERB
gujaf-87	145	44	credit	credit	NOUN
gujaf-87	145	45	facilities	facility	NOUN
gujaf-87	145	46	.	.	PUNCT
gujaf-87	146	1	3	3	X
gujaf-87	146	2	.	.	X
gujaf-87	146	3	methods	method	NOUN
gujaf-87	146	4	and	and	CCONJ
gujaf-87	146	5	techniques	technique	NOUN
gujaf-87	146	6	this	this	DET
gujaf-87	146	7	design	design	NOUN
gujaf-87	146	8	of	of	ADP
gujaf-87	146	9	this	this	DET
gujaf-87	146	10	research	research	NOUN
gujaf-87	146	11	is	be	AUX
gujaf-87	146	12	ex	ex	ADJ
gujaf-87	146	13	-	-	ADJ
gujaf-87	146	14	post	post	ADJ
gujaf-87	146	15	facto	facto	X
gujaf-87	146	16	research	research	NOUN
gujaf-87	146	17	design	design	NOUN
gujaf-87	146	18	as	as	SCONJ
gujaf-87	146	19	it	it	PRON
gujaf-87	146	20	attempts	attempt	VERB
gujaf-87	146	21	to	to	PART
gujaf-87	146	22	discover	discover	VERB
gujaf-87	146	23	the	the	DET
gujaf-87	146	24	causality	causality	NOUN
gujaf-87	146	25	of	of	ADP
gujaf-87	146	26	inferences	inference	NOUN
gujaf-87	146	27	among	among	ADP
gujaf-87	146	28	the	the	DET
gujaf-87	146	29	variables	variable	NOUN
gujaf-87	146	30	of	of	ADP
gujaf-87	146	31	the	the	DET
gujaf-87	146	32	study	study	NOUN
gujaf-87	146	33	.	.	PUNCT
gujaf-87	147	1	the	the	DET
gujaf-87	147	2	paper	paper	NOUN
gujaf-87	147	3	population	population	NOUN
gujaf-87	147	4	comprised	comprise	VERB
gujaf-87	147	5	of	of	ADP
gujaf-87	147	6	the	the	DET
gujaf-87	147	7	14	14	NUM
gujaf-87	147	8	deposit	deposit	NOUN
gujaf-87	147	9	money	money	NOUN
gujaf-87	147	10	banks	bank	NOUN
gujaf-87	147	11	quoted	quote	VERB
gujaf-87	147	12	on	on	ADP
gujaf-87	147	13	the	the	DET
gujaf-87	147	14	nigerian	nigerian	ADJ
gujaf-87	147	15	exchange	exchange	NOUN
gujaf-87	147	16	as	as	ADP
gujaf-87	147	17	at	at	ADP
gujaf-87	147	18	31	31	NUM
gujaf-87	147	19	st	st	PROPN
gujaf-87	147	20	december	december	PROPN
gujaf-87	147	21	2018	2018	NUM
gujaf-87	147	22	while	while	SCONJ
gujaf-87	147	23	a	a	DET
gujaf-87	147	24	sample	sample	NOUN
gujaf-87	147	25	of	of	ADP
gujaf-87	147	26	8	8	NUM
gujaf-87	147	27	deposit	deposit	NOUN
gujaf-87	147	28	money	money	NOUN
gujaf-87	147	29	banks	bank	NOUN
gujaf-87	147	30	were	be	AUX
gujaf-87	147	31	chosen	choose	VERB
gujaf-87	147	32	based	base	VERB
gujaf-87	147	33	on	on	ADP
gujaf-87	147	34	availability	availability	NOUN
gujaf-87	147	35	of	of	ADP
gujaf-87	147	36	data	datum	NOUN
gujaf-87	147	37	and	and	CCONJ
gujaf-87	147	38	the	the	DET
gujaf-87	147	39	aid	aid	NOUN
gujaf-87	147	40	of	of	ADP
gujaf-87	147	41	the	the	DET
gujaf-87	147	42	yamane(1967	yamane(1967	NOUN
gujaf-87	147	43	)	)	PUNCT
gujaf-87	147	44	formula	formula	NOUN
gujaf-87	147	45	.	.	PUNCT
gujaf-87	148	1	in	in	ADP
gujaf-87	148	2	order	order	NOUN
gujaf-87	148	3	to	to	PART
gujaf-87	148	4	examine	examine	VERB
gujaf-87	148	5	the	the	DET
gujaf-87	148	6	association	association	NOUN
gujaf-87	148	7	amid	amid	ADP
gujaf-87	148	8	bank	bank	NOUN
gujaf-87	148	9	risks	risk	NOUN
gujaf-87	148	10	and	and	CCONJ
gujaf-87	148	11	financial	financial	ADJ
gujaf-87	148	12	performance	performance	NOUN
gujaf-87	148	13	,	,	PUNCT
gujaf-87	148	14	the	the	DET
gujaf-87	148	15	study	study	NOUN
gujaf-87	148	16	extracted	extract	VERB
gujaf-87	148	17	data	datum	NOUN
gujaf-87	148	18	from	from	ADP
gujaf-87	148	19	the	the	DET
gujaf-87	148	20	financial	financial	ADJ
gujaf-87	148	21	statements	statement	NOUN
gujaf-87	148	22	of	of	ADP
gujaf-87	148	23	8	8	NUM
gujaf-87	148	24	banks	bank	NOUN
gujaf-87	148	25	listed	list	VERB
gujaf-87	148	26	on	on	ADP
gujaf-87	148	27	the	the	DET
gujaf-87	148	28	nigerian	nigerian	ADJ
gujaf-87	148	29	exchange	exchange	NOUN
gujaf-87	148	30	for	for	ADP
gujaf-87	148	31	the	the	DET
gujaf-87	148	32	period	period	NOUN
gujaf-87	148	33	of	of	ADP
gujaf-87	148	34	10	10	NUM
gujaf-87	148	35	years	year	NOUN
gujaf-87	148	36	,	,	PUNCT
gujaf-87	148	37	2009	2009	NUM
gujaf-87	148	38	to	to	ADP
gujaf-87	148	39	2018	2018	NUM
gujaf-87	148	40	.	.	PUNCT
gujaf-87	149	1	table	table	NOUN
gujaf-87	149	2	1	1	NUM
gujaf-87	149	3	:	:	PUNCT
gujaf-87	149	4	variable	variable	ADJ
gujaf-87	149	5	measurement	measurement	NOUN
gujaf-87	149	6	variable	variable	ADJ
gujaf-87	149	7	variable	variable	ADJ
gujaf-87	149	8	name	name	NOUN
gujaf-87	149	9	variable	variable	ADJ
gujaf-87	149	10	measurement	measurement	NOUN
gujaf-87	149	11	source	source	NOUN
gujaf-87	149	12	dependent	dependent	ADJ
gujaf-87	149	13	return	return	NOUN
gujaf-87	149	14	on	on	ADP
gujaf-87	149	15	assets	asset	NOUN
gujaf-87	149	16	(	(	PUNCT
gujaf-87	149	17	roa	roa	NOUN
gujaf-87	149	18	)	)	PUNCT
gujaf-87	149	19	net	net	ADJ
gujaf-87	149	20	income	income	NOUN
gujaf-87	149	21	/	/	SYM
gujaf-87	149	22	total	total	ADJ
gujaf-87	149	23	assets	asset	NOUN
gujaf-87	149	24	olalekan	olalekan	ADJ
gujaf-87	149	25	and	and	CCONJ
gujaf-87	149	26	adeyinka	adeyinka	PROPN
gujaf-87	149	27	(	(	PUNCT
gujaf-87	149	28	2013	2013	NUM
gujaf-87	149	29	)	)	PUNCT
gujaf-87	149	30	independent	independent	ADJ
gujaf-87	149	31	liquidity	liquidity	NOUN
gujaf-87	149	32	asset	asset	NOUN
gujaf-87	149	33	ratio	ratio	NOUN
gujaf-87	149	34	(	(	PUNCT
gujaf-87	149	35	lar	lar	ADJ
gujaf-87	149	36	)	)	PUNCT
gujaf-87	149	37	ratio	ratio	NOUN
gujaf-87	149	38	of	of	ADP
gujaf-87	149	39	total	total	ADJ
gujaf-87	149	40	liquidity/	liquidity/	NUM
gujaf-87	149	41	deposit	deposit	NOUN
gujaf-87	149	42	ratio	ratio	NOUN
gujaf-87	149	43	dang	dang	NOUN
gujaf-87	149	44	(	(	PUNCT
gujaf-87	149	45	2011	2011	NUM
gujaf-87	149	46	)	)	PUNCT
gujaf-87	149	47	independent	independent	ADJ
gujaf-87	149	48	asset	asset	NOUN
gujaf-87	149	49	turnover	turnover	NOUN
gujaf-87	149	50	ratio	ratio	NOUN
gujaf-87	149	51	(	(	PUNCT
gujaf-87	149	52	atr	atr	PROPN
gujaf-87	149	53	)	)	PUNCT
gujaf-87	149	54	revenue/	revenue/	NOUN
gujaf-87	149	55	total	total	ADJ
gujaf-87	149	56	assets	asset	NOUN
gujaf-87	149	57	okwuosa	okwuosa	ADV
gujaf-87	149	58	(	(	PUNCT
gujaf-87	149	59	2005	2005	NUM
gujaf-87	149	60	)	)	PUNCT
gujaf-87	149	61	,	,	PUNCT
gujaf-87	149	62	independent	independent	ADJ
gujaf-87	149	63	loan	loan	NOUN
gujaf-87	149	64	ratio	ratio	NOUN
gujaf-87	149	65	(	(	PUNCT
gujaf-87	149	66	lr	lr	NOUN
gujaf-87	149	67	)	)	PUNCT
gujaf-87	149	68	ratio	ratio	NOUN
gujaf-87	149	69	of	of	ADP
gujaf-87	149	70	banks	bank	NOUN
gujaf-87	149	71	’	'	PUNCT
gujaf-87	149	72	loan/	loan/	ADJ
gujaf-87	149	73	total	total	ADJ
gujaf-87	149	74	assets	asset	NOUN
gujaf-87	149	75	khemraj	khemraj	ADJ
gujaf-87	149	76	and	and	CCONJ
gujaf-87	149	77	pasha	pasha	PROPN
gujaf-87	149	78	(	(	PUNCT
gujaf-87	149	79	2009	2009	NUM
gujaf-87	149	80	)	)	PUNCT
gujaf-87	149	81	independent	independent	ADJ
gujaf-87	149	82	non	non	ADJ
gujaf-87	149	83	-	-	ADJ
gujaf-87	149	84	performing	performing	ADJ
gujaf-87	149	85	loans	loan	NOUN
gujaf-87	149	86	ratio	ratio	NOUN
gujaf-87	149	87	(	(	PUNCT
gujaf-87	149	88	npl	npl	PROPN
gujaf-87	149	89	)	)	PUNCT
gujaf-87	149	90	ratio	ratio	NOUN
gujaf-87	149	91	of	of	ADP
gujaf-87	149	92	banks	bank	NOUN
gujaf-87	149	93	loan/	loan/	NUM
gujaf-87	149	94	total	total	ADJ
gujaf-87	149	95	deposit	deposit	NOUN
gujaf-87	149	96	olalekan	olalekan	NOUN
gujaf-87	149	97	and	and	CCONJ
gujaf-87	149	98	adeyinka	adeyinka	PROPN
gujaf-87	149	99	(	(	PUNCT
gujaf-87	149	100	2013	2013	NUM
gujaf-87	149	101	)	)	PUNCT
gujaf-87	149	102	source	source	NOUN
gujaf-87	149	103	:	:	PUNCT
gujaf-87	149	104	authors	author	NOUN
gujaf-87	149	105	’	’	PART
gujaf-87	149	106	compilation	compilation	NOUN
gujaf-87	149	107	,	,	PUNCT
gujaf-87	149	108	2021	2021	NUM
gujaf-87	149	109	model	model	NOUN
gujaf-87	149	110	of	of	ADP
gujaf-87	149	111	the	the	DET
gujaf-87	149	112	study	study	NOUN
gujaf-87	149	113	to	to	PART
gujaf-87	149	114	analyze	analyze	VERB
gujaf-87	149	115	the	the	DET
gujaf-87	149	116	study	study	NOUN
gujaf-87	149	117	,	,	PUNCT
gujaf-87	149	118	linear	linear	ADJ
gujaf-87	149	119	regression	regression	NOUN
gujaf-87	149	120	techniques	technique	NOUN
gujaf-87	149	121	expressed	express	VERB
gujaf-87	149	122	as	as	SCONJ
gujaf-87	149	123	follows	follow	NOUN
gujaf-87	149	124	was	be	AUX
gujaf-87	149	125	adopted	adopt	VERB
gujaf-87	149	126	:	:	PUNCT
gujaf-87	149	127	roa	roa	PROPN
gujaf-87	149	128	=	=	SYM
gujaf-87	149	129	f	f	PROPN
gujaf-87	149	130	(	(	PUNCT
gujaf-87	149	131	lar	lar	PROPN
gujaf-87	149	132	,	,	PUNCT
gujaf-87	149	133	lr	lr	NOUN
gujaf-87	149	134	,	,	PUNCT
gujaf-87	149	135	atr	atr	PROPN
gujaf-87	149	136	,	,	PUNCT
gujaf-87	149	137	npl	npl	PROPN
gujaf-87	149	138	)	)	PUNCT
gujaf-87	149	139	---------------------------------------------------------i	---------------------------------------------------------i	PROPN
gujaf-87	149	140	roa	roa	PROPN
gujaf-87	149	141	=	=	PROPN
gujaf-87	149	142	β0	β0	PROPN
gujaf-87	150	1	+	+	CCONJ
gujaf-87	150	2	β1lar	β1lar	PROPN
gujaf-87	151	1	+	+	X
gujaf-87	151	2	β2lr	β2lr	PUNCT
gujaf-87	152	1	+	+	CCONJ
gujaf-87	152	2	β3atr	β3atr	PUNCT
gujaf-87	152	3	+	+	CCONJ
gujaf-87	152	4	β4npl	β4npl	PROPN
gujaf-87	152	5	+	+	CCONJ
gujaf-87	152	6	e	e	NOUN
gujaf-87	152	7	------------------------------------ii	------------------------------------ii	NOUN
gujaf-87	152	8	whereas	whereas	SCONJ
gujaf-87	152	9	:	:	PUNCT
gujaf-87	152	10	roa	roa	PROPN
gujaf-87	152	11	=	=	PUNCT
gujaf-87	152	12	return	return	VERB
gujaf-87	152	13	on	on	ADP
gujaf-87	152	14	asset	asset	NOUN
gujaf-87	152	15	lar	lar	ADJ
gujaf-87	152	16	=	=	NOUN
gujaf-87	152	17	liquidity	liquidity	NOUN
gujaf-87	152	18	asset	asset	NOUN
gujaf-87	152	19	ratio	ratio	NOUN
gujaf-87	152	20	lr	lr	X
gujaf-87	152	21	=	=	PUNCT
gujaf-87	152	22	loan	loan	NOUN
gujaf-87	152	23	ratio	ratio	NOUN
gujaf-87	152	24	atr	atr	NOUN
gujaf-87	152	25	=	=	NOUN
gujaf-87	152	26	asset	asset	NOUN
gujaf-87	152	27	turnover	turnover	NOUN
gujaf-87	152	28	ratio	ratio	NOUN
gujaf-87	152	29	npl	npl	NOUN
gujaf-87	152	30	=	=	PUNCT
gujaf-87	152	31	non	non	ADJ
gujaf-87	152	32	performing	perform	VERB
gujaf-87	152	33	loan	loan	NOUN
gujaf-87	152	34	β0	β0	NOUN
gujaf-87	152	35	=	=	SYM
gujaf-87	152	36	constant	constant	ADJ
gujaf-87	152	37	(	(	PUNCT
gujaf-87	152	38	i.e.	i.e.	X
gujaf-87	152	39	the	the	DET
gujaf-87	152	40	intercept	intercept	NOUN
gujaf-87	152	41	)	)	PUNCT
gujaf-87	153	1	β0	β0	NOUN
gujaf-87	153	2	–	–	PUNCT
gujaf-87	153	3	β4	β4	PROPN
gujaf-87	153	4	=	=	X
gujaf-87	153	5	regression	regression	NOUN
gujaf-87	153	6	model	model	NOUN
gujaf-87	153	7	coefficient	coefficient	NOUN
gujaf-87	153	8	of	of	ADP
gujaf-87	153	9	the	the	DET
gujaf-87	153	10	independent	independent	ADJ
gujaf-87	153	11	variables	variable	NOUN
gujaf-87	153	12	e	e	NOUN
gujaf-87	153	13	=	=	NOUN
gujaf-87	153	14	error	error	NOUN
gujaf-87	153	15	term	term	NOUN
gujaf-87	153	16	4	4	NUM
gujaf-87	153	17	.	.	NOUN
gujaf-87	153	18	result	result	NOUN
gujaf-87	153	19	and	and	CCONJ
gujaf-87	153	20	discussion	discussion	NOUN
gujaf-87	153	21	descriptive	descriptive	ADJ
gujaf-87	153	22	statistics	statistic	NOUN
gujaf-87	153	23	table	table	NOUN
gujaf-87	153	24	2	2	NUM
gujaf-87	153	25	presents	present	VERB
gujaf-87	153	26	the	the	DET
gujaf-87	153	27	descriptive	descriptive	ADJ
gujaf-87	153	28	statistics	statistic	NOUN
gujaf-87	153	29	.	.	PUNCT
gujaf-87	154	1	it	it	PRON
gujaf-87	154	2	represents	represent	VERB
gujaf-87	154	3	the	the	DET
gujaf-87	154	4	calculated	calculated	ADJ
gujaf-87	154	5	mean	mean	NOUN
gujaf-87	154	6	,	,	PUNCT
gujaf-87	154	7	the	the	DET
gujaf-87	154	8	standard	standard	ADJ
gujaf-87	154	9	deviation	deviation	NOUN
gujaf-87	154	10	,	,	PUNCT
gujaf-87	154	11	minimum	minimum	NOUN
gujaf-87	154	12	and	and	CCONJ
gujaf-87	154	13	maximum	maximum	NOUN
gujaf-87	154	14	of	of	ADP
gujaf-87	154	15	the	the	DET
gujaf-87	154	16	data	datum	NOUN
gujaf-87	154	17	.	.	PUNCT
gujaf-87	155	1	9	9	NUM
gujaf-87	155	2	table	table	NOUN
gujaf-87	155	3	2	2	NUM
gujaf-87	155	4	:	:	PUNCT
gujaf-87	155	5	descriptive	descriptive	ADJ
gujaf-87	155	6	statistics	statistic	NOUN
gujaf-87	155	7	minimum	minimum	ADJ
gujaf-87	155	8	maximm	maximm	NOUN
gujaf-87	155	9	mean	mean	VERB
gujaf-87	155	10	std	std	X
gujaf-87	155	11	.	.	PUNCT
gujaf-87	156	1	deviation	deviation	NOUN
gujaf-87	156	2	roa	roa	NOUN
gujaf-87	156	3	-0.095	-0.095	NUM
gujaf-87	156	4	0.411	0.411	NUM
gujaf-87	156	5	0.018	0.018	NUM
gujaf-87	156	6	0.050	0.050	NUM
gujaf-87	156	7	lar	lar	ADJ
gujaf-87	156	8	0.022	0.022	NUM
gujaf-87	156	9	1.000	1.000	NUM
gujaf-87	156	10	0.337	0.337	NUM
gujaf-87	156	11	0.235	0.235	NUM
gujaf-87	156	12	lr	lr	PROPN
gujaf-87	156	13	0.001	0.001	NUM
gujaf-87	156	14	4.819	4.819	NUM
gujaf-87	156	15	0.569	0.569	NUM
gujaf-87	156	16	0.510	0.510	NUM
gujaf-87	156	17	atr	atr	PROPN
gujaf-87	156	18	0.014	0.014	NUM
gujaf-87	156	19	0.547	0.547	NUM
gujaf-87	156	20	0.066	0.066	NUM
gujaf-87	156	21	0.066	0.066	NUM
gujaf-87	156	22	npl	npl	NOUN
gujaf-87	156	23	0.006	0.006	NUM
gujaf-87	156	24	16.242	16.242	NUM
gujaf-87	156	25	1.035	1.035	NUM
gujaf-87	156	26	1.915	1.915	NUM
gujaf-87	156	27	source	source	NOUN
gujaf-87	156	28	:	:	PUNCT
gujaf-87	156	29	stata	stata	NOUN
gujaf-87	156	30	output	output	NOUN
gujaf-87	156	31	,	,	PUNCT
gujaf-87	156	32	2021	2021	NUM
gujaf-87	156	33	the	the	DET
gujaf-87	156	34	data	datum	NOUN
gujaf-87	156	35	set	set	VERB
gujaf-87	156	36	presents	present	VERB
gujaf-87	156	37	a	a	DET
gujaf-87	156	38	total	total	NOUN
gujaf-87	156	39	of	of	ADP
gujaf-87	156	40	80	80	NUM
gujaf-87	156	41	observations	observation	NOUN
gujaf-87	156	42	,	,	PUNCT
gujaf-87	156	43	on	on	ADP
gujaf-87	156	44	the	the	DET
gujaf-87	156	45	average	average	NOUN
gujaf-87	156	46	,	,	PUNCT
gujaf-87	156	47	deposit	deposit	NOUN
gujaf-87	156	48	money	money	NOUN
gujaf-87	156	49	banks	bank	NOUN
gujaf-87	156	50	’	'	PUNCT
gujaf-87	156	51	roa	roa	NOUN
gujaf-87	156	52	which	which	PRON
gujaf-87	156	53	is	be	AUX
gujaf-87	156	54	the	the	DET
gujaf-87	156	55	explanatory	explanatory	ADJ
gujaf-87	156	56	variable	variable	NOUN
gujaf-87	156	57	has	have	VERB
gujaf-87	156	58	a	a	DET
gujaf-87	156	59	mean	mean	NOUN
gujaf-87	156	60	of	of	ADP
gujaf-87	156	61	0.0184	0.0184	NUM
gujaf-87	156	62	with	with	ADP
gujaf-87	156	63	standard	standard	ADJ
gujaf-87	156	64	deviation	deviation	NOUN
gujaf-87	156	65	of	of	ADP
gujaf-87	156	66	0.0501	0.0501	NUM
gujaf-87	156	67	depicting	depict	VERB
gujaf-87	156	68	5.01	5.01	NUM
gujaf-87	156	69	%	%	NOUN
gujaf-87	156	70	less	less	ADJ
gujaf-87	156	71	variation	variation	NOUN
gujaf-87	156	72	in	in	ADP
gujaf-87	156	73	roa	roa	NOUN
gujaf-87	156	74	of	of	ADP
gujaf-87	156	75	the	the	DET
gujaf-87	156	76	sample	sample	NOUN
gujaf-87	156	77	deposit	deposit	NOUN
gujaf-87	156	78	money	money	NOUN
gujaf-87	156	79	banks	bank	NOUN
gujaf-87	156	80	.	.	PUNCT
gujaf-87	157	1	the	the	DET
gujaf-87	157	2	liquidity	liquidity	NOUN
gujaf-87	157	3	asset	asset	NOUN
gujaf-87	157	4	ratio	ratio	NOUN
gujaf-87	157	5	(	(	PUNCT
gujaf-87	157	6	lar	lar	ADJ
gujaf-87	157	7	)	)	PUNCT
gujaf-87	157	8	has	have	VERB
gujaf-87	157	9	a	a	DET
gujaf-87	157	10	mean	mean	NOUN
gujaf-87	157	11	of	of	ADP
gujaf-87	157	12	0.3367	0.3367	NUM
gujaf-87	157	13	,	,	PUNCT
gujaf-87	157	14	meaning	mean	VERB
gujaf-87	157	15	that	that	SCONJ
gujaf-87	157	16	on	on	ADP
gujaf-87	157	17	the	the	DET
gujaf-87	157	18	average	average	NOUN
gujaf-87	157	19	,	,	PUNCT
gujaf-87	157	20	assets	asset	NOUN
gujaf-87	157	21	were	be	AUX
gujaf-87	157	22	not	not	PART
gujaf-87	157	23	efficiently	efficiently	ADV
gujaf-87	157	24	utilized	utilize	VERB
gujaf-87	157	25	in	in	ADP
gujaf-87	157	26	generating	generate	VERB
gujaf-87	157	27	cash	cash	NOUN
gujaf-87	157	28	.	.	PUNCT
gujaf-87	158	1	on	on	ADP
gujaf-87	158	2	the	the	DET
gujaf-87	158	3	other	other	ADJ
gujaf-87	158	4	hand	hand	NOUN
gujaf-87	158	5	,	,	PUNCT
gujaf-87	158	6	loan	loan	NOUN
gujaf-87	158	7	ratio	ratio	NOUN
gujaf-87	158	8	(	(	PUNCT
gujaf-87	158	9	lr	lr	NOUN
gujaf-87	158	10	)	)	PUNCT
gujaf-87	158	11	has	have	VERB
gujaf-87	158	12	a	a	DET
gujaf-87	158	13	mean	mean	NOUN
gujaf-87	158	14	of	of	ADP
gujaf-87	158	15	0.5693	0.5693	NUM
gujaf-87	158	16	with	with	ADP
gujaf-87	158	17	standard	standard	ADJ
gujaf-87	158	18	deviation	deviation	NOUN
gujaf-87	158	19	of	of	ADP
gujaf-87	158	20	0.5114	0.5114	NUM
gujaf-87	158	21	.	.	PUNCT
gujaf-87	159	1	indicating	indicate	VERB
gujaf-87	159	2	that	that	SCONJ
gujaf-87	159	3	deposit	deposit	NOUN
gujaf-87	159	4	money	money	NOUN
gujaf-87	159	5	banks	bank	NOUN
gujaf-87	159	6	were	be	AUX
gujaf-87	159	7	moderately	moderately	ADV
gujaf-87	159	8	geared	gear	VERB
gujaf-87	159	9	within	within	ADP
gujaf-87	159	10	the	the	DET
gujaf-87	159	11	period	period	NOUN
gujaf-87	159	12	of	of	ADP
gujaf-87	159	13	study	study	NOUN
gujaf-87	159	14	.	.	PUNCT
gujaf-87	160	1	asset	asset	NOUN
gujaf-87	160	2	turnover	turnover	NOUN
gujaf-87	160	3	ratio	ratio	NOUN
gujaf-87	160	4	(	(	PUNCT
gujaf-87	160	5	atr	atr	PROPN
gujaf-87	160	6	)	)	PUNCT
gujaf-87	160	7	has	have	VERB
gujaf-87	160	8	a	a	DET
gujaf-87	160	9	mean	mean	NOUN
gujaf-87	160	10	of	of	ADP
gujaf-87	160	11	0.0658	0.0658	NUM
gujaf-87	160	12	with	with	ADP
gujaf-87	160	13	standard	standard	ADJ
gujaf-87	160	14	deviation	deviation	NOUN
gujaf-87	160	15	of	of	ADP
gujaf-87	160	16	0.0655	0.0655	NUM
gujaf-87	160	17	meaning	mean	VERB
gujaf-87	160	18	that	that	SCONJ
gujaf-87	160	19	banks	bank	NOUN
gujaf-87	160	20	during	during	ADP
gujaf-87	160	21	the	the	DET
gujaf-87	160	22	period	period	NOUN
gujaf-87	160	23	utilized	utilize	VERB
gujaf-87	160	24	their	their	PRON
gujaf-87	160	25	assets	asset	NOUN
gujaf-87	160	26	by	by	ADP
gujaf-87	160	27	6.58	6.58	NUM
gujaf-87	160	28	%	%	NOUN
gujaf-87	160	29	in	in	ADP
gujaf-87	160	30	generating	generate	VERB
gujaf-87	160	31	turnover	turnover	NOUN
gujaf-87	160	32	.	.	PUNCT
gujaf-87	161	1	additionally	additionally	ADV
gujaf-87	161	2	,	,	PUNCT
gujaf-87	161	3	non	non	ADJ
gujaf-87	161	4	-	-	ADJ
gujaf-87	161	5	performing	performing	ADJ
gujaf-87	161	6	loan	loan	NOUN
gujaf-87	161	7	(	(	PUNCT
gujaf-87	161	8	npl	npl	PROPN
gujaf-87	161	9	)	)	PUNCT
gujaf-87	161	10	with	with	ADP
gujaf-87	161	11	a	a	DET
gujaf-87	161	12	mean	mean	ADJ
gujaf-87	161	13	value	value	NOUN
gujaf-87	161	14	of	of	ADP
gujaf-87	161	15	1.0353	1.0353	NUM
gujaf-87	161	16	with	with	ADP
gujaf-87	161	17	standard	standard	ADJ
gujaf-87	161	18	deviation	deviation	NOUN
gujaf-87	161	19	of	of	ADP
gujaf-87	161	20	1.9153	1.9153	NUM
gujaf-87	161	21	represent	represent	NOUN
gujaf-87	161	22	that	that	SCONJ
gujaf-87	161	23	deposit	deposit	NOUN
gujaf-87	161	24	money	money	NOUN
gujaf-87	161	25	banks	bank	NOUN
gujaf-87	161	26	on	on	ADP
gujaf-87	161	27	the	the	DET
gujaf-87	161	28	average	average	NOUN
gujaf-87	161	29	managed	manage	VERB
gujaf-87	161	30	their	their	PRON
gujaf-87	161	31	non	non	ADJ
gujaf-87	161	32	-	-	ADJ
gujaf-87	161	33	performing	performing	ADJ
gujaf-87	161	34	loans	loan	NOUN
gujaf-87	161	35	effectively	effectively	ADV
gujaf-87	161	36	during	during	ADP
gujaf-87	161	37	the	the	DET
gujaf-87	161	38	period	period	NOUN
gujaf-87	161	39	.	.	PUNCT
gujaf-87	162	1	correlation	correlation	NOUN
gujaf-87	162	2	matrix	matrix	NOUN
gujaf-87	162	3	table	table	NOUN
gujaf-87	162	4	3	3	NUM
gujaf-87	162	5	presents	present	VERB
gujaf-87	162	6	the	the	DET
gujaf-87	162	7	correlation	correlation	NOUN
gujaf-87	162	8	matrix	matrix	NOUN
gujaf-87	162	9	.	.	PUNCT
gujaf-87	163	1	it	it	PRON
gujaf-87	163	2	denotes	denote	VERB
gujaf-87	163	3	the	the	DET
gujaf-87	163	4	relationship	relationship	NOUN
gujaf-87	163	5	between	between	ADP
gujaf-87	163	6	the	the	DET
gujaf-87	163	7	dependent	dependent	ADJ
gujaf-87	163	8	variable	variable	NOUN
gujaf-87	163	9	and	and	CCONJ
gujaf-87	163	10	the	the	DET
gujaf-87	163	11	independent	independent	ADJ
gujaf-87	163	12	variables	variable	NOUN
gujaf-87	163	13	and	and	CCONJ
gujaf-87	163	14	the	the	DET
gujaf-87	163	15	association	association	NOUN
gujaf-87	163	16	among	among	ADP
gujaf-87	163	17	the	the	DET
gujaf-87	163	18	variables	variable	NOUN
gujaf-87	163	19	themselves	themselves	PRON
gujaf-87	163	20	.	.	PUNCT
gujaf-87	164	1	table	table	NOUN
gujaf-87	164	2	3	3	NUM
gujaf-87	164	3	:	:	PUNCT
gujaf-87	164	4	correlation	correlation	NOUN
gujaf-87	164	5	matrix	matrix	NOUN
gujaf-87	164	6	roa	roa	PROPN
gujaf-87	164	7	lar	lar	PROPN
gujaf-87	164	8	lr	lr	PROPN
gujaf-87	164	9	atr	atr	PROPN
gujaf-87	164	10	npl	npl	PROPN
gujaf-87	164	11	roa	roa	PROPN
gujaf-87	164	12	1	1	NUM
gujaf-87	164	13	lar	lar	NOUN
gujaf-87	164	14	0.069	0.069	NUM
gujaf-87	164	15	1	1	NUM
gujaf-87	164	16	lr	lr	PROPN
gujaf-87	164	17	0.834	0.834	NUM
gujaf-87	164	18	-0.178	-0.178	SYM
gujaf-87	164	19	1	1	NUM
gujaf-87	164	20	atr	atr	NOUN
gujaf-87	164	21	0.638	0.638	NUM
gujaf-87	164	22	-0.088	-0.088	ADP
gujaf-87	164	23	0.738	0.738	NUM
gujaf-87	164	24	1	1	NUM
gujaf-87	164	25	npl	npl	NOUN
gujaf-87	164	26	-0.022	-0.022	NOUN
gujaf-87	164	27	0.450	0.450	NUM
gujaf-87	164	28	0.058	0.058	NUM
gujaf-87	164	29	-0.052	-0.052	SYM
gujaf-87	164	30	1	1	NUM
gujaf-87	164	31	source	source	NOUN
gujaf-87	164	32	:	:	PUNCT
gujaf-87	164	33	stata	stata	NOUN
gujaf-87	164	34	output	output	NOUN
gujaf-87	164	35	,	,	PUNCT
gujaf-87	164	36	2021	2021	NUM
gujaf-87	164	37	table	table	NOUN
gujaf-87	164	38	3	3	NUM
gujaf-87	164	39	presents	present	VERB
gujaf-87	164	40	the	the	DET
gujaf-87	164	41	correlation	correlation	NOUN
gujaf-87	164	42	result	result	NOUN
gujaf-87	164	43	of	of	ADP
gujaf-87	164	44	the	the	DET
gujaf-87	164	45	study	study	NOUN
gujaf-87	164	46	.	.	PUNCT
gujaf-87	165	1	the	the	DET
gujaf-87	165	2	table	table	NOUN
gujaf-87	165	3	shows	show	VERB
gujaf-87	165	4	insignificant	insignificant	ADJ
gujaf-87	165	5	relationship	relationship	NOUN
gujaf-87	165	6	between	between	ADP
gujaf-87	165	7	the	the	DET
gujaf-87	165	8	dependent	dependent	ADJ
gujaf-87	165	9	variable	variable	NOUN
gujaf-87	165	10	and	and	CCONJ
gujaf-87	165	11	the	the	DET
gujaf-87	165	12	independent	independent	ADJ
gujaf-87	165	13	variables	variable	NOUN
gujaf-87	165	14	except	except	SCONJ
gujaf-87	165	15	for	for	ADP
gujaf-87	165	16	the	the	DET
gujaf-87	165	17	loan	loan	NOUN
gujaf-87	165	18	ratio	ratio	NOUN
gujaf-87	165	19	and	and	CCONJ
gujaf-87	165	20	asset	asset	NOUN
gujaf-87	165	21	turnover	turnover	NOUN
gujaf-87	165	22	ratio	ratio	NOUN
gujaf-87	165	23	,	,	PUNCT
gujaf-87	165	24	which	which	PRON
gujaf-87	165	25	depicts	depict	VERB
gujaf-87	165	26	about	about	ADV
gujaf-87	165	27	83	83	NUM
gujaf-87	165	28	%	%	NOUN
gujaf-87	165	29	and	and	CCONJ
gujaf-87	165	30	63	63	NUM
gujaf-87	165	31	%	%	NOUN
gujaf-87	165	32	,	,	PUNCT
gujaf-87	165	33	which	which	PRON
gujaf-87	165	34	could	could	AUX
gujaf-87	165	35	be	be	AUX
gujaf-87	165	36	a	a	DET
gujaf-87	165	37	signal	signal	NOUN
gujaf-87	165	38	to	to	ADP
gujaf-87	165	39	harmful	harmful	ADJ
gujaf-87	165	40	multicollinearity	multicollinearity	NOUN
gujaf-87	165	41	.	.	PUNCT
gujaf-87	166	1	additionally	additionally	ADV
gujaf-87	166	2	,	,	PUNCT
gujaf-87	166	3	the	the	DET
gujaf-87	166	4	table	table	NOUN
gujaf-87	166	5	revealed	reveal	VERB
gujaf-87	166	6	that	that	SCONJ
gujaf-87	166	7	an	an	DET
gujaf-87	166	8	increase	increase	NOUN
gujaf-87	166	9	in	in	ADP
gujaf-87	166	10	loan	loan	NOUN
gujaf-87	166	11	asset	asset	NOUN
gujaf-87	166	12	ratio	ratio	NOUN
gujaf-87	166	13	,	,	PUNCT
gujaf-87	166	14	loan	loan	NOUN
gujaf-87	166	15	ratio	ratio	NOUN
gujaf-87	166	16	and	and	CCONJ
gujaf-87	166	17	asset	asset	NOUN
gujaf-87	166	18	turnover	turnover	NOUN
gujaf-87	166	19	ratio	ratio	NOUN
gujaf-87	166	20	would	would	AUX
gujaf-87	166	21	lead	lead	VERB
gujaf-87	166	22	to	to	ADP
gujaf-87	166	23	an	an	DET
gujaf-87	166	24	increase	increase	NOUN
gujaf-87	166	25	in	in	ADP
gujaf-87	166	26	the	the	DET
gujaf-87	166	27	financial	financial	ADJ
gujaf-87	166	28	performance	performance	NOUN
gujaf-87	166	29	of	of	ADP
gujaf-87	166	30	deposit	deposit	NOUN
gujaf-87	166	31	money	money	NOUN
gujaf-87	166	32	banks	bank	NOUN
gujaf-87	166	33	in	in	ADP
gujaf-87	166	34	nigeria	nigeria	PROPN
gujaf-87	166	35	.	.	PUNCT
gujaf-87	167	1	4.2	4.2	NUM
gujaf-87	167	2	regression	regression	NOUN
gujaf-87	167	3	result	result	VERB
gujaf-87	167	4	the	the	DET
gujaf-87	167	5	impact	impact	NOUN
gujaf-87	167	6	of	of	ADP
gujaf-87	167	7	independent	independent	ADJ
gujaf-87	167	8	variable	variable	NOUN
gujaf-87	167	9	on	on	ADP
gujaf-87	167	10	the	the	DET
gujaf-87	167	11	dependent	dependent	ADJ
gujaf-87	167	12	variable	variable	NOUN
gujaf-87	167	13	is	be	AUX
gujaf-87	167	14	succinctly	succinctly	ADV
gujaf-87	167	15	presented	present	VERB
gujaf-87	167	16	by	by	ADP
gujaf-87	167	17	the	the	DET
gujaf-87	167	18	regression	regression	NOUN
gujaf-87	167	19	result	result	NOUN
gujaf-87	167	20	.	.	PUNCT
gujaf-87	168	1	10	10	NUM
gujaf-87	168	2	table	table	NOUN
gujaf-87	168	3	4	4	NUM
gujaf-87	168	4	:	:	PUNCT
gujaf-87	168	5	regression	regression	NOUN
gujaf-87	168	6	results	result	VERB
gujaf-87	168	7	variable	variable	ADJ
gujaf-87	168	8	model	model	NOUN
gujaf-87	168	9	(	(	PUNCT
gujaf-87	168	10	roa	roa	NOUN
gujaf-87	168	11	)	)	PUNCT
gujaf-87	168	12	coefficient	coefficient	NOUN
gujaf-87	168	13	t	t	PROPN
gujaf-87	168	14	p>|t|	p>|t|	PROPN
gujaf-87	168	15	roa	roa	PROPN
gujaf-87	168	16	-0.050	-0.050	PROPN
gujaf-87	169	1	-8.140	-8.140	PROPN
gujaf-87	169	2	0.001	0.001	NUM
gujaf-87	169	3	lar	lar	NOUN
gujaf-87	169	4	0.071	0.071	NUM
gujaf-87	169	5	5.300	5.300	NUM
gujaf-87	169	6	0.001	0.001	NUM
gujaf-87	169	7	lr	lr	PROPN
gujaf-87	169	8	0.091	0.091	NUM
gujaf-87	169	9	11.090	11.090	NUM
gujaf-87	169	10	0.001	0.001	NUM
gujaf-87	169	11	atr	atr	X
gujaf-87	169	12	-0.230	-0.230	PUNCT
gujaf-87	169	13	-0.370	-0.370	NUM
gujaf-87	169	14	0.711	0.711	NUM
gujaf-87	169	15	npl	npl	PROPN
gujaf-87	169	16	-0.006	-0.006	PROPN
gujaf-87	169	17	-3.630	-3.630	NOUN
gujaf-87	169	18	0.001	0.001	NUM
gujaf-87	169	19	f	f	PROPN
gujaf-87	169	20	67.29	67.29	NUM
gujaf-87	169	21	0.001	0.001	NUM
gujaf-87	169	22	0.782	0.782	NUM
gujaf-87	169	23	0.771	0.771	NUM
gujaf-87	169	24	prob	prob	NOUN
gujaf-87	169	25	>	>	X
gujaf-87	169	26	f	f	PROPN
gujaf-87	169	27	r	r	NOUN
gujaf-87	169	28	2	2	NUM
gujaf-87	169	29	adj	adj	NOUN
gujaf-87	169	30	.	.	PUNCT
gujaf-87	170	1	r	r	NOUN
gujaf-87	170	2	2	2	NUM
gujaf-87	170	3	source	source	NOUN
gujaf-87	170	4	:	:	PUNCT
gujaf-87	170	5	stata	stata	NOUN
gujaf-87	170	6	output	output	NOUN
gujaf-87	170	7	,	,	PUNCT
gujaf-87	170	8	2021	2021	NUM
gujaf-87	170	9	table	table	NOUN
gujaf-87	170	10	4	4	NUM
gujaf-87	170	11	presents	present	VERB
gujaf-87	170	12	the	the	DET
gujaf-87	170	13	ols	ol	NOUN
gujaf-87	170	14	regression	regression	NOUN
gujaf-87	170	15	results	result	NOUN
gujaf-87	170	16	of	of	ADP
gujaf-87	170	17	the	the	DET
gujaf-87	170	18	model	model	NOUN
gujaf-87	170	19	which	which	PRON
gujaf-87	170	20	consists	consist	VERB
gujaf-87	170	21	of	of	ADP
gujaf-87	170	22	the	the	DET
gujaf-87	170	23	explained	explain	VERB
gujaf-87	170	24	variable	variable	NOUN
gujaf-87	170	25	(	(	PUNCT
gujaf-87	170	26	roa	roa	PROPN
gujaf-87	170	27	)	)	PUNCT
gujaf-87	170	28	and	and	CCONJ
gujaf-87	170	29	explanatory	explanatory	ADJ
gujaf-87	170	30	variables	variable	NOUN
gujaf-87	170	31	(	(	PUNCT
gujaf-87	170	32	lar	lar	ADJ
gujaf-87	170	33	,	,	PUNCT
gujaf-87	170	34	lr	lr	NOUN
gujaf-87	170	35	,	,	PUNCT
gujaf-87	170	36	atr	atr	PROPN
gujaf-87	170	37	and	and	CCONJ
gujaf-87	170	38	npl	npl	PROPN
gujaf-87	170	39	)	)	PUNCT
gujaf-87	170	40	.	.	PUNCT
gujaf-87	171	1	the	the	DET
gujaf-87	171	2	f	f	PROPN
gujaf-87	171	3	-	-	PUNCT
gujaf-87	171	4	statistics	statistic	NOUN
gujaf-87	171	5	,	,	PUNCT
gujaf-87	171	6	which	which	PRON
gujaf-87	171	7	gives	give	VERB
gujaf-87	171	8	a	a	DET
gujaf-87	171	9	summary	summary	NOUN
gujaf-87	171	10	of	of	ADP
gujaf-87	171	11	the	the	DET
gujaf-87	171	12	overall	overall	ADJ
gujaf-87	171	13	level	level	NOUN
gujaf-87	171	14	of	of	ADP
gujaf-87	171	15	significance	significance	NOUN
gujaf-87	171	16	of	of	ADP
gujaf-87	171	17	the	the	DET
gujaf-87	171	18	model	model	NOUN
gujaf-87	171	19	,	,	PUNCT
gujaf-87	171	20	is	be	AUX
gujaf-87	171	21	67.29	67.29	NUM
gujaf-87	171	22	indicating	indicate	VERB
gujaf-87	171	23	that	that	SCONJ
gujaf-87	171	24	the	the	DET
gujaf-87	171	25	model	model	NOUN
gujaf-87	171	26	is	be	AUX
gujaf-87	171	27	fit	fit	ADJ
gujaf-87	171	28	and	and	CCONJ
gujaf-87	171	29	significant	significant	ADJ
gujaf-87	171	30	at	at	ADP
gujaf-87	171	31	with	with	ADP
gujaf-87	171	32	a	a	DET
gujaf-87	171	33	p	p	NOUN
gujaf-87	171	34	-	-	PUNCT
gujaf-87	171	35	value	value	NOUN
gujaf-87	171	36	of	of	ADP
gujaf-87	171	37	0.001	0.001	NUM
gujaf-87	171	38	.	.	PUNCT
gujaf-87	172	1	further	far	ADV
gujaf-87	172	2	,	,	PUNCT
gujaf-87	172	3	the	the	DET
gujaf-87	172	4	coefficient	coefficient	NOUN
gujaf-87	172	5	of	of	ADP
gujaf-87	172	6	determination	determination	NOUN
gujaf-87	172	7	by	by	ADP
gujaf-87	172	8	r	r	NOUN
gujaf-87	172	9	2	2	NUM
gujaf-87	172	10	is	be	AUX
gujaf-87	172	11	0.782	0.782	NUM
gujaf-87	172	12	meaning	mean	VERB
gujaf-87	172	13	that	that	SCONJ
gujaf-87	172	14	78.2	78.2	NUM
gujaf-87	172	15	%	%	NOUN
gujaf-87	172	16	of	of	ADP
gujaf-87	172	17	the	the	DET
gujaf-87	172	18	change	change	NOUN
gujaf-87	172	19	in	in	ADP
gujaf-87	172	20	dependent	dependent	ADJ
gujaf-87	172	21	variable	variable	NOUN
gujaf-87	172	22	(	(	PUNCT
gujaf-87	172	23	roa	roa	PROPN
gujaf-87	172	24	)	)	PUNCT
gujaf-87	172	25	was	be	AUX
gujaf-87	172	26	caused	cause	VERB
gujaf-87	172	27	by	by	ADP
gujaf-87	172	28	changes	change	NOUN
gujaf-87	172	29	in	in	ADP
gujaf-87	172	30	independent	independent	ADJ
gujaf-87	172	31	variables	variable	NOUN
gujaf-87	172	32	(	(	PUNCT
gujaf-87	172	33	lar	lar	ADJ
gujaf-87	172	34	,	,	PUNCT
gujaf-87	172	35	lr	lr	NOUN
gujaf-87	172	36	,	,	PUNCT
gujaf-87	172	37	atr	atr	PROPN
gujaf-87	172	38	and	and	CCONJ
gujaf-87	172	39	npl	npl	PROPN
gujaf-87	172	40	)	)	PUNCT
gujaf-87	172	41	.	.	PUNCT
gujaf-87	173	1	the	the	DET
gujaf-87	173	2	impact	impact	NOUN
gujaf-87	173	3	of	of	ADP
gujaf-87	173	4	lar	lar	NOUN
gujaf-87	173	5	on	on	ADP
gujaf-87	173	6	roa	roa	PROPN
gujaf-87	173	7	is	be	AUX
gujaf-87	173	8	positively	positively	ADV
gujaf-87	173	9	significant	significant	ADJ
gujaf-87	173	10	with	with	ADP
gujaf-87	173	11	coefficient	coefficient	NOUN
gujaf-87	173	12	value	value	NOUN
gujaf-87	173	13	of	of	ADP
gujaf-87	173	14	0.071	0.071	NUM
gujaf-87	173	15	and	and	CCONJ
gujaf-87	173	16	p	p	NOUN
gujaf-87	173	17	value	value	NOUN
gujaf-87	173	18	(	(	PUNCT
gujaf-87	173	19	0.001	0.001	NUM
gujaf-87	173	20	)	)	PUNCT
gujaf-87	173	21	,	,	PUNCT
gujaf-87	173	22	portraying	portray	VERB
gujaf-87	173	23	that	that	SCONJ
gujaf-87	173	24	a	a	DET
gujaf-87	173	25	unit	unit	NOUN
gujaf-87	173	26	increase	increase	NOUN
gujaf-87	173	27	in	in	ADP
gujaf-87	173	28	lar	lar	ADJ
gujaf-87	173	29	while	while	SCONJ
gujaf-87	173	30	other	other	ADJ
gujaf-87	173	31	variable	variable	NOUN
gujaf-87	173	32	remains	remain	VERB
gujaf-87	173	33	constant	constant	ADJ
gujaf-87	173	34	lead	lead	NOUN
gujaf-87	173	35	to	to	ADP
gujaf-87	173	36	an	an	DET
gujaf-87	173	37	increase	increase	NOUN
gujaf-87	173	38	in	in	ADP
gujaf-87	173	39	roa	roa	NOUN
gujaf-87	173	40	by	by	ADP
gujaf-87	173	41	7.1	7.1	NUM
gujaf-87	173	42	%	%	NOUN
gujaf-87	173	43	.	.	PUNCT
gujaf-87	174	1	also	also	ADV
gujaf-87	174	2	,	,	PUNCT
gujaf-87	174	3	the	the	DET
gujaf-87	174	4	results	result	NOUN
gujaf-87	174	5	revealed	reveal	VERB
gujaf-87	174	6	that	that	SCONJ
gujaf-87	174	7	the	the	DET
gujaf-87	174	8	independent	independent	ADJ
gujaf-87	174	9	variable	variable	ADJ
gujaf-87	174	10	lr	lr	NOUN
gujaf-87	174	11	impacted	impact	VERB
gujaf-87	174	12	significantly	significantly	ADV
gujaf-87	174	13	positively	positively	ADV
gujaf-87	174	14	on	on	ADP
gujaf-87	174	15	dependent	dependent	ADJ
gujaf-87	174	16	variable	variable	ADJ
gujaf-87	174	17	roa	roa	NOUN
gujaf-87	174	18	with	with	ADP
gujaf-87	174	19	coefficient	coefficient	NOUN
gujaf-87	174	20	value	value	NOUN
gujaf-87	174	21	of	of	ADP
gujaf-87	174	22	0.091	0.091	NUM
gujaf-87	174	23	(	(	PUNCT
gujaf-87	174	24	p	p	NOUN
gujaf-87	174	25	-	-	PUNCT
gujaf-87	174	26	value	value	NOUN
gujaf-87	174	27	0.001	0.001	NUM
gujaf-87	174	28	)	)	PUNCT
gujaf-87	174	29	,	,	PUNCT
gujaf-87	174	30	denoting	denote	VERB
gujaf-87	174	31	that	that	SCONJ
gujaf-87	174	32	a	a	DET
gujaf-87	174	33	unit	unit	NOUN
gujaf-87	174	34	rise	rise	VERB
gujaf-87	174	35	in	in	ADP
gujaf-87	174	36	lr	lr	PROPN
gujaf-87	174	37	will	will	AUX
gujaf-87	174	38	lead	lead	VERB
gujaf-87	174	39	to	to	ADP
gujaf-87	174	40	a	a	DET
gujaf-87	174	41	rise	rise	NOUN
gujaf-87	174	42	in	in	ADP
gujaf-87	174	43	roa	roa	NOUN
gujaf-87	174	44	by	by	ADP
gujaf-87	174	45	9.1	9.1	NUM
gujaf-87	174	46	%	%	NOUN
gujaf-87	174	47	.	.	PUNCT
gujaf-87	175	1	on	on	ADP
gujaf-87	175	2	the	the	DET
gujaf-87	175	3	other	other	ADJ
gujaf-87	175	4	hand	hand	NOUN
gujaf-87	175	5	,	,	PUNCT
gujaf-87	175	6	the	the	DET
gujaf-87	175	7	effect	effect	NOUN
gujaf-87	175	8	of	of	ADP
gujaf-87	175	9	atr	atr	PROPN
gujaf-87	175	10	on	on	ADP
gujaf-87	175	11	roa	roa	PROPN
gujaf-87	175	12	is	be	AUX
gujaf-87	175	13	insignificantly	insignificantly	ADV
gujaf-87	175	14	negative	negative	ADJ
gujaf-87	175	15	with	with	ADP
gujaf-87	175	16	coefficient	coefficient	NOUN
gujaf-87	175	17	value	value	NOUN
gujaf-87	175	18	of	of	ADP
gujaf-87	175	19	-0.230	-0.230	PRON
gujaf-87	175	20	,	,	PUNCT
gujaf-87	175	21	pvalue	pvalue	NOUN
gujaf-87	175	22	(	(	PUNCT
gujaf-87	175	23	0.711	0.711	NUM
gujaf-87	175	24	)	)	PUNCT
gujaf-87	175	25	,	,	PUNCT
gujaf-87	175	26	implying	imply	VERB
gujaf-87	175	27	that	that	SCONJ
gujaf-87	175	28	while	while	SCONJ
gujaf-87	175	29	atr	atr	NOUN
gujaf-87	175	30	is	be	AUX
gujaf-87	175	31	increasing	increase	VERB
gujaf-87	175	32	,	,	PUNCT
gujaf-87	175	33	roa	roa	PROPN
gujaf-87	175	34	will	will	AUX
gujaf-87	175	35	decrease	decrease	VERB
gujaf-87	175	36	by	by	ADP
gujaf-87	175	37	23	23	NUM
gujaf-87	175	38	%	%	NOUN
gujaf-87	175	39	.	.	PUNCT
gujaf-87	176	1	more	more	ADV
gujaf-87	176	2	so	so	ADV
gujaf-87	176	3	,	,	PUNCT
gujaf-87	176	4	npl	npl	PROPN
gujaf-87	176	5	has	have	VERB
gujaf-87	176	6	a	a	DET
gujaf-87	176	7	negative	negative	ADJ
gujaf-87	176	8	significant	significant	ADJ
gujaf-87	176	9	impact	impact	NOUN
gujaf-87	176	10	on	on	ADP
gujaf-87	176	11	roa	roa	NOUN
gujaf-87	176	12	with	with	ADP
gujaf-87	176	13	a	a	DET
gujaf-87	176	14	coefficient	coefficient	NOUN
gujaf-87	176	15	value	value	NOUN
gujaf-87	176	16	of	of	ADP
gujaf-87	176	17	0.006	0.006	NUM
gujaf-87	176	18	,	,	PUNCT
gujaf-87	176	19	pvalue	pvalue	NOUN
gujaf-87	176	20	(	(	PUNCT
gujaf-87	176	21	0.001	0.001	NUM
gujaf-87	176	22	)	)	PUNCT
gujaf-87	176	23	,	,	PUNCT
gujaf-87	176	24	signifying	signify	VERB
gujaf-87	176	25	that	that	SCONJ
gujaf-87	176	26	a	a	DET
gujaf-87	176	27	rise	rise	NOUN
gujaf-87	176	28	in	in	ADP
gujaf-87	176	29	the	the	DET
gujaf-87	176	30	npl	npl	NOUN
gujaf-87	176	31	will	will	AUX
gujaf-87	176	32	lead	lead	VERB
gujaf-87	176	33	to	to	ADP
gujaf-87	176	34	a	a	DET
gujaf-87	176	35	decline	decline	NOUN
gujaf-87	176	36	in	in	ADP
gujaf-87	176	37	roa	roa	NOUN
gujaf-87	176	38	by	by	ADP
gujaf-87	176	39	6	6	NUM
gujaf-87	176	40	%	%	NOUN
gujaf-87	176	41	.	.	PUNCT
gujaf-87	177	1	4.3	4.3	NUM
gujaf-87	177	2	test	test	NOUN
gujaf-87	177	3	of	of	ADP
gujaf-87	177	4	hypotheses	hypothesis	NOUN
gujaf-87	177	5	the	the	DET
gujaf-87	177	6	tvalue	tvalue	NOUN
gujaf-87	177	7	of	of	ADP
gujaf-87	177	8	lar	lar	ADJ
gujaf-87	177	9	(	(	PUNCT
gujaf-87	177	10	5.300	5.300	NUM
gujaf-87	177	11	)	)	PUNCT
gujaf-87	177	12	,	,	PUNCT
gujaf-87	177	13	p	p	NOUN
gujaf-87	177	14	value	value	NOUN
gujaf-87	177	15	(	(	PUNCT
gujaf-87	177	16	0.001	0.001	NUM
gujaf-87	177	17	)	)	PUNCT
gujaf-87	177	18	is	be	AUX
gujaf-87	177	19	less	less	ADJ
gujaf-87	177	20	than	than	ADP
gujaf-87	177	21	0.05	0.05	NUM
gujaf-87	177	22	,	,	PUNCT
gujaf-87	177	23	therefore	therefore	ADV
gujaf-87	177	24	,	,	PUNCT
gujaf-87	177	25	the	the	DET
gujaf-87	177	26	null	null	ADJ
gujaf-87	177	27	hypothesis	hypothesis	NOUN
gujaf-87	177	28	,	,	PUNCT
gujaf-87	177	29	which	which	PRON
gujaf-87	177	30	states	state	VERB
gujaf-87	177	31	that	that	SCONJ
gujaf-87	177	32	liquidity	liquidity	NOUN
gujaf-87	177	33	risk	risk	NOUN
gujaf-87	177	34	does	do	AUX
gujaf-87	177	35	not	not	PART
gujaf-87	177	36	have	have	VERB
gujaf-87	177	37	significant	significant	ADJ
gujaf-87	177	38	impact	impact	NOUN
gujaf-87	177	39	on	on	ADP
gujaf-87	177	40	financial	financial	ADJ
gujaf-87	177	41	performance	performance	NOUN
gujaf-87	177	42	of	of	ADP
gujaf-87	177	43	listed	list	VERB
gujaf-87	177	44	deposit	deposit	NOUN
gujaf-87	177	45	money	money	NOUN
gujaf-87	177	46	banks	bank	NOUN
gujaf-87	177	47	in	in	ADP
gujaf-87	177	48	nigeria	nigeria	PROPN
gujaf-87	177	49	,	,	PUNCT
gujaf-87	177	50	is	be	AUX
gujaf-87	177	51	hereby	hereby	ADV
gujaf-87	177	52	rejected	reject	VERB
gujaf-87	177	53	.	.	PUNCT
gujaf-87	178	1	additionally	additionally	ADV
gujaf-87	178	2	,	,	PUNCT
gujaf-87	178	3	tvalue	tvalue	NOUN
gujaf-87	178	4	of	of	ADP
gujaf-87	178	5	lr	lr	PROPN
gujaf-87	178	6	is	be	AUX
gujaf-87	178	7	11.090	11.090	NUM
gujaf-87	178	8	with	with	ADP
gujaf-87	178	9	p	p	NOUN
gujaf-87	178	10	value	value	NOUN
gujaf-87	178	11	of	of	ADP
gujaf-87	178	12	0.001	0.001	NUM
gujaf-87	178	13	which	which	PRON
gujaf-87	178	14	is	be	AUX
gujaf-87	178	15	less	less	ADJ
gujaf-87	178	16	than	than	ADP
gujaf-87	178	17	0.05	0.05	NUM
gujaf-87	178	18	,	,	PUNCT
gujaf-87	178	19	indicating	indicate	VERB
gujaf-87	178	20	that	that	SCONJ
gujaf-87	178	21	the	the	DET
gujaf-87	178	22	null	null	ADJ
gujaf-87	178	23	hypothesis	hypothesis	NOUN
gujaf-87	178	24	which	which	PRON
gujaf-87	178	25	states	state	VERB
gujaf-87	178	26	that	that	SCONJ
gujaf-87	178	27	credit	credit	NOUN
gujaf-87	178	28	risk	risk	NOUN
gujaf-87	178	29	does	do	AUX
gujaf-87	178	30	not	not	PART
gujaf-87	178	31	have	have	VERB
gujaf-87	178	32	significant	significant	ADJ
gujaf-87	178	33	impact	impact	NOUN
gujaf-87	178	34	on	on	ADP
gujaf-87	178	35	fp	fp	NOUN
gujaf-87	178	36	of	of	ADP
gujaf-87	178	37	listed	list	VERB
gujaf-87	178	38	deposit	deposit	NOUN
gujaf-87	178	39	money	money	NOUN
gujaf-87	178	40	banks	bank	NOUN
gujaf-87	178	41	in	in	ADP
gujaf-87	178	42	nigeria	nigeria	PROPN
gujaf-87	178	43	must	must	AUX
gujaf-87	178	44	be	be	AUX
gujaf-87	178	45	rejected	reject	VERB
gujaf-87	178	46	.	.	PUNCT
gujaf-87	179	1	the	the	DET
gujaf-87	179	2	tvalue	tvalue	NOUN
gujaf-87	179	3	of	of	ADP
gujaf-87	179	4	atr	atr	NOUN
gujaf-87	179	5	is	be	AUX
gujaf-87	179	6	-0.370	-0.370	ADJ
gujaf-87	179	7	with	with	ADP
gujaf-87	179	8	p	p	NOUN
gujaf-87	179	9	value	value	NOUN
gujaf-87	179	10	of	of	ADP
gujaf-87	179	11	0.711	0.711	NUM
gujaf-87	179	12	which	which	PRON
gujaf-87	179	13	is	be	AUX
gujaf-87	179	14	greater	great	ADJ
gujaf-87	179	15	than	than	ADP
gujaf-87	179	16	0.05	0.05	NUM
gujaf-87	179	17	.	.	PUNCT
gujaf-87	180	1	therefore	therefore	ADV
gujaf-87	180	2	,	,	PUNCT
gujaf-87	180	3	the	the	DET
gujaf-87	180	4	null	null	ADJ
gujaf-87	180	5	hypothesis	hypothesis	NOUN
gujaf-87	180	6	,	,	PUNCT
gujaf-87	180	7	which	which	PRON
gujaf-87	180	8	states	state	VERB
gujaf-87	180	9	that	that	SCONJ
gujaf-87	180	10	operational	operational	ADJ
gujaf-87	180	11	risk	risk	NOUN
gujaf-87	180	12	does	do	AUX
gujaf-87	180	13	not	not	PART
gujaf-87	180	14	have	have	VERB
gujaf-87	180	15	significant	significant	ADJ
gujaf-87	180	16	impact	impact	NOUN
gujaf-87	180	17	on	on	ADP
gujaf-87	180	18	financial	financial	ADJ
gujaf-87	180	19	performance	performance	NOUN
gujaf-87	180	20	of	of	ADP
gujaf-87	180	21	listed	list	VERB
gujaf-87	180	22	deposit	deposit	NOUN
gujaf-87	180	23	money	money	NOUN
gujaf-87	180	24	banks	bank	NOUN
gujaf-87	180	25	in	in	ADP
gujaf-87	180	26	nigeria	nigeria	PROPN
gujaf-87	180	27	,	,	PUNCT
gujaf-87	180	28	is	be	AUX
gujaf-87	180	29	hereby	hereby	ADV
gujaf-87	180	30	accepted	accept	VERB
gujaf-87	180	31	.	.	PUNCT
gujaf-87	181	1	the	the	DET
gujaf-87	181	2	tvalue	tvalue	NOUN
gujaf-87	181	3	of	of	ADP
gujaf-87	181	4	npl	npl	PROPN
gujaf-87	181	5	is	be	AUX
gujaf-87	181	6	-3.630	-3.630	ADJ
gujaf-87	181	7	with	with	ADP
gujaf-87	181	8	p	p	NOUN
gujaf-87	181	9	value	value	NOUN
gujaf-87	181	10	of	of	ADP
gujaf-87	181	11	0.001	0.001	NUM
gujaf-87	181	12	,	,	PUNCT
gujaf-87	181	13	which	which	PRON
gujaf-87	181	14	is	be	AUX
gujaf-87	181	15	less	less	ADJ
gujaf-87	181	16	than	than	ADP
gujaf-87	181	17	0.05	0.05	NUM
gujaf-87	181	18	.	.	PUNCT
gujaf-87	182	1	therefore	therefore	ADV
gujaf-87	182	2	,	,	PUNCT
gujaf-87	182	3	the	the	DET
gujaf-87	182	4	null	null	ADJ
gujaf-87	182	5	hypothesis	hypothesis	NOUN
gujaf-87	182	6	that	that	PRON
gujaf-87	182	7	states	state	VERB
gujaf-87	182	8	that	that	SCONJ
gujaf-87	182	9	legal	legal	ADJ
gujaf-87	182	10	and	and	CCONJ
gujaf-87	182	11	regulatory	regulatory	ADJ
gujaf-87	182	12	risk	risk	NOUN
gujaf-87	182	13	does	do	AUX
gujaf-87	182	14	not	not	PART
gujaf-87	182	15	have	have	VERB
gujaf-87	182	16	significant	significant	ADJ
gujaf-87	182	17	impact	impact	NOUN
gujaf-87	182	18	on	on	ADP
gujaf-87	182	19	financial	financial	ADJ
gujaf-87	182	20	performance	performance	NOUN
gujaf-87	182	21	of	of	ADP
gujaf-87	182	22	listed	list	VERB
gujaf-87	182	23	deposit	deposit	NOUN
gujaf-87	182	24	money	money	NOUN
gujaf-87	182	25	banks	bank	NOUN
gujaf-87	182	26	in	in	ADP
gujaf-87	182	27	nigeria	nigeria	PROPN
gujaf-87	182	28	is	be	AUX
gujaf-87	182	29	rejected	reject	VERB
gujaf-87	182	30	.	.	PUNCT
gujaf-87	183	1	11	11	NUM
gujaf-87	183	2	5	5	NUM
gujaf-87	183	3	.	.	PUNCT
gujaf-87	183	4	conclusions	conclusion	NOUN
gujaf-87	183	5	and	and	CCONJ
gujaf-87	183	6	recommendation	recommendation	VERB
gujaf-87	183	7	the	the	DET
gujaf-87	183	8	goal	goal	NOUN
gujaf-87	183	9	of	of	ADP
gujaf-87	183	10	this	this	DET
gujaf-87	183	11	paper	paper	NOUN
gujaf-87	183	12	is	be	AUX
gujaf-87	183	13	to	to	PART
gujaf-87	183	14	determine	determine	VERB
gujaf-87	183	15	the	the	DET
gujaf-87	183	16	impact	impact	NOUN
gujaf-87	183	17	of	of	ADP
gujaf-87	183	18	banks	bank	NOUN
gujaf-87	183	19	’	'	PUNCT
gujaf-87	183	20	risk	risk	NOUN
gujaf-87	183	21	on	on	ADP
gujaf-87	183	22	financial	financial	ADJ
gujaf-87	183	23	performance	performance	NOUN
gujaf-87	183	24	of	of	ADP
gujaf-87	183	25	listed	list	VERB
gujaf-87	183	26	deposit	deposit	NOUN
gujaf-87	183	27	money	money	NOUN
gujaf-87	183	28	banks	bank	NOUN
gujaf-87	183	29	in	in	ADP
gujaf-87	183	30	nigeria	nigeria	PROPN
gujaf-87	183	31	.	.	PUNCT
gujaf-87	184	1	from	from	ADP
gujaf-87	184	2	the	the	DET
gujaf-87	184	3	regression	regression	NOUN
gujaf-87	184	4	results	result	NOUN
gujaf-87	184	5	,	,	PUNCT
gujaf-87	184	6	it	it	PRON
gujaf-87	184	7	concluded	conclude	VERB
gujaf-87	184	8	that	that	SCONJ
gujaf-87	184	9	deposit	deposit	NOUN
gujaf-87	184	10	money	money	NOUN
gujaf-87	184	11	banks	bank	NOUN
gujaf-87	184	12	should	should	AUX
gujaf-87	184	13	prioritize	prioritize	VERB
gujaf-87	184	14	liquidity	liquidity	NOUN
gujaf-87	184	15	risk	risk	NOUN
gujaf-87	184	16	and	and	CCONJ
gujaf-87	184	17	credit	credit	NOUN
gujaf-87	184	18	risk	risk	NOUN
gujaf-87	184	19	as	as	SCONJ
gujaf-87	184	20	its	its	PRON
gujaf-87	184	21	increase	increase	NOUN
gujaf-87	184	22	will	will	AUX
gujaf-87	184	23	improve	improve	VERB
gujaf-87	184	24	performance	performance	NOUN
gujaf-87	184	25	.	.	PUNCT
gujaf-87	185	1	in	in	ADP
gujaf-87	185	2	addition	addition	NOUN
gujaf-87	185	3	,	,	PUNCT
gujaf-87	185	4	banks	bank	NOUN
gujaf-87	185	5	are	be	AUX
gujaf-87	185	6	advised	advise	VERB
gujaf-87	185	7	to	to	PART
gujaf-87	185	8	improve	improve	VERB
gujaf-87	185	9	on	on	ADP
gujaf-87	185	10	its	its	PRON
gujaf-87	185	11	ability	ability	NOUN
gujaf-87	185	12	to	to	PART
gujaf-87	185	13	utilize	utilize	VERB
gujaf-87	185	14	available	available	ADJ
gujaf-87	185	15	assets	asset	NOUN
gujaf-87	185	16	in	in	ADP
gujaf-87	185	17	generating	generate	VERB
gujaf-87	185	18	revenue	revenue	NOUN
gujaf-87	185	19	to	to	PART
gujaf-87	185	20	increase	increase	VERB
gujaf-87	185	21	performance	performance	NOUN
gujaf-87	185	22	and	and	CCONJ
gujaf-87	185	23	reduce	reduce	VERB
gujaf-87	185	24	operational	operational	ADJ
gujaf-87	185	25	risk	risk	NOUN
gujaf-87	185	26	.	.	PUNCT
gujaf-87	186	1	additionally	additionally	ADV
gujaf-87	186	2	,	,	PUNCT
gujaf-87	186	3	minimize	minimize	VERB
gujaf-87	186	4	nonperforming	nonperforme	VERB
gujaf-87	186	5	loan	loan	NOUN
gujaf-87	186	6	ratio	ratio	NOUN
gujaf-87	186	7	(	(	PUNCT
gujaf-87	186	8	npl	npl	PROPN
gujaf-87	186	9	)	)	PUNCT
gujaf-87	186	10	,	,	PUNCT
gujaf-87	186	11	a	a	DET
gujaf-87	186	12	proxy	proxy	NOUN
gujaf-87	186	13	for	for	ADP
gujaf-87	186	14	legal	legal	ADJ
gujaf-87	186	15	and	and	CCONJ
gujaf-87	186	16	regulatory	regulatory	ADJ
gujaf-87	186	17	risk	risk	NOUN
gujaf-87	186	18	,	,	PUNCT
gujaf-87	186	19	as	as	SCONJ
gujaf-87	186	20	its	its	PRON
gujaf-87	186	21	increase	increase	NOUN
gujaf-87	186	22	will	will	AUX
gujaf-87	186	23	lower	lower	VERB
gujaf-87	186	24	the	the	DET
gujaf-87	186	25	efficiency	efficiency	NOUN
gujaf-87	186	26	of	of	ADP
gujaf-87	186	27	listed	list	VERB
gujaf-87	186	28	deposit	deposit	NOUN
gujaf-87	186	29	money	money	NOUN
gujaf-87	186	30	banks	bank	NOUN
gujaf-87	186	31	in	in	ADP
gujaf-87	186	32	nigeria	nigeria	PROPN
gujaf-87	186	33	.	.	PUNCT
gujaf-87	187	1	based	base	VERB
gujaf-87	187	2	on	on	ADP
gujaf-87	187	3	these	these	DET
gujaf-87	187	4	conclusions	conclusion	NOUN
gujaf-87	187	5	,	,	PUNCT
gujaf-87	187	6	the	the	DET
gujaf-87	187	7	study	study	NOUN
gujaf-87	187	8	recommends	recommend	VERB
gujaf-87	187	9	that	that	SCONJ
gujaf-87	187	10	deposit	deposit	NOUN
gujaf-87	187	11	money	money	NOUN
gujaf-87	187	12	banks	bank	NOUN
gujaf-87	187	13	in	in	ADP
gujaf-87	187	14	nigeria	nigeria	PROPN
gujaf-87	187	15	should	should	AUX
gujaf-87	187	16	step	step	VERB
gujaf-87	187	17	up	up	ADP
gujaf-87	187	18	the	the	DET
gujaf-87	187	19	liquidity	liquidity	NOUN
gujaf-87	187	20	and	and	CCONJ
gujaf-87	187	21	credit	credit	NOUN
gujaf-87	187	22	risks	risk	NOUN
gujaf-87	187	23	of	of	ADP
gujaf-87	187	24	the	the	DET
gujaf-87	187	25	firm	firm	NOUN
gujaf-87	187	26	for	for	ADP
gujaf-87	187	27	increase	increase	NOUN
gujaf-87	187	28	performance	performance	NOUN
gujaf-87	187	29	while	while	SCONJ
gujaf-87	187	30	trying	try	VERB
gujaf-87	187	31	to	to	PART
gujaf-87	187	32	utilize	utilize	VERB
gujaf-87	187	33	the	the	DET
gujaf-87	187	34	available	available	ADJ
gujaf-87	187	35	resources	resource	NOUN
gujaf-87	187	36	for	for	ADP
gujaf-87	187	37	maximum	maximum	ADJ
gujaf-87	187	38	revenue	revenue	NOUN
gujaf-87	187	39	generation	generation	NOUN
gujaf-87	187	40	.	.	PUNCT
gujaf-87	188	1	more	more	ADV
gujaf-87	188	2	so	so	ADV
gujaf-87	188	3	,	,	PUNCT
gujaf-87	188	4	deposit	deposit	NOUN
gujaf-87	188	5	money	money	NOUN
gujaf-87	188	6	banks	bank	NOUN
gujaf-87	188	7	should	should	AUX
gujaf-87	188	8	monitor	monitor	VERB
gujaf-87	188	9	its	its	PRON
gujaf-87	188	10	non	non	ADJ
gujaf-87	188	11	-	-	ADJ
gujaf-87	188	12	performing	perform	VERB
gujaf-87	188	13	loan	loan	NOUN
gujaf-87	188	14	ratio	ratio	NOUN
gujaf-87	188	15	for	for	ADP
gujaf-87	188	16	optimum	optimum	ADJ
gujaf-87	188	17	performance	performance	NOUN
gujaf-87	188	18	.	.	PUNCT
gujaf-87	189	1	references	reference	NOUN
gujaf-87	189	2	abubakar	abubakar	PROPN
gujaf-87	189	3	,	,	PUNCT
gujaf-87	189	4	a.	a.	PROPN
gujaf-87	189	5	,	,	PUNCT
gujaf-87	189	6	suleiman	suleiman	PROPN
gujaf-87	189	7	,	,	PUNCT
gujaf-87	189	8	s.a	s.a	PROPN
gujaf-87	189	9	.	.	PROPN
gujaf-87	189	10	,	,	PUNCT
gujaf-87	189	11	usman	usman	PROPN
gujaf-87	189	12	,	,	PUNCT
gujaf-87	189	13	b.	b.	PROPN
gujaf-87	189	14	,	,	PUNCT
gujaf-87	189	15	&	&	CCONJ
gujaf-87	189	16	mohammed	mohammed	PROPN
gujaf-87	189	17	,	,	PUNCT
gujaf-87	189	18	m.u	m.u	PROPN
gujaf-87	189	19	.	.	PROPN
gujaf-87	189	20	(	(	PUNCT
gujaf-87	189	21	2019	2019	NUM
gujaf-87	189	22	)	)	PUNCT
gujaf-87	189	23	,	,	PUNCT
gujaf-87	189	24	credit	credit	NOUN
gujaf-87	189	25	risk	risk	NOUN
gujaf-87	189	26	management	management	NOUN
gujaf-87	189	27	and	and	CCONJ
gujaf-87	189	28	financial	financial	ADJ
gujaf-87	189	29	performance	performance	NOUN
gujaf-87	189	30	of	of	ADP
gujaf-87	189	31	quoted	quote	VERB
gujaf-87	189	32	deposit	deposit	NOUN
gujaf-87	189	33	money	money	NOUN
gujaf-87	189	34	banks	bank	NOUN
gujaf-87	189	35	in	in	ADP
gujaf-87	189	36	nigeria	nigeria	PROPN
gujaf-87	189	37	.	.	PUNCT
gujaf-87	190	1	university	university	NOUN
gujaf-87	190	2	of	of	ADP
gujaf-87	190	3	port	port	PROPN
gujaf-87	190	4	harcourt	harcourt	PROPN
gujaf-87	190	5	journal	journal	PROPN
gujaf-87	190	6	of	of	ADP
gujaf-87	190	7	management	management	NOUN
gujaf-87	190	8	,	,	PUNCT
gujaf-87	190	9	4(1	4(1	NOUN
gujaf-87	190	10	)	)	PUNCT
gujaf-87	190	11	,	,	PUNCT
gujaf-87	190	12	178	178	NUM
gujaf-87	190	13	-	-	SYM
gujaf-87	190	14	192	192	NUM
gujaf-87	190	15	.	.	PUNCT
gujaf-87	191	1	adeusi	adeusi	PROPN
gujaf-87	191	2	,	,	PUNCT
gujaf-87	191	3	s.o	s.o	PROPN
gujaf-87	191	4	.	.	PROPN
gujaf-87	191	5	,	,	PUNCT
gujaf-87	191	6	akeke	akeke	NOUN
gujaf-87	191	7	,	,	PUNCT
gujaf-87	191	8	n.i	n.i	PROPN
gujaf-87	191	9	.	.	PROPN
gujaf-87	191	10	,	,	PUNCT
gujaf-87	191	11	adebisi	adebisi	PROPN
gujaf-87	191	12	,	,	PUNCT
gujaf-87	191	13	o.s	o.s	PROPN
gujaf-87	191	14	.	.	PROPN
gujaf-87	191	15	,	,	PUNCT
gujaf-87	191	16	&	&	CCONJ
gujaf-87	191	17	oladunjoye	oladunjoye	PROPN
gujaf-87	191	18	,	,	PUNCT
gujaf-87	191	19	o.	o.	PROPN
gujaf-87	191	20	(	(	PUNCT
gujaf-87	191	21	2014	2014	NUM
gujaf-87	191	22	)	)	PUNCT
gujaf-87	191	23	.	.	PUNCT
gujaf-87	192	1	risk	risk	NOUN
gujaf-87	192	2	management	management	NOUN
gujaf-87	192	3	and	and	CCONJ
gujaf-87	192	4	financial	financial	ADJ
gujaf-87	192	5	performance	performance	NOUN
gujaf-87	192	6	of	of	ADP
gujaf-87	192	7	banks	bank	NOUN
gujaf-87	192	8	in	in	ADP
gujaf-87	192	9	nigeria	nigeria	PROPN
gujaf-87	192	10	.	.	PUNCT
gujaf-87	193	1	european	european	PROPN
gujaf-87	193	2	journal	journal	PROPN
gujaf-87	193	3	of	of	ADP
gujaf-87	193	4	business	business	NOUN
gujaf-87	193	5	and	and	CCONJ
gujaf-87	193	6	management	management	NOUN
gujaf-87	193	7	,	,	PUNCT
gujaf-87	193	8	6(31	6(31	NUM
gujaf-87	193	9	)	)	PUNCT
gujaf-87	193	10	,	,	PUNCT
gujaf-87	193	11	118.http://citeseerx.ist.psu.edu/viewdoc/download;jsessionid	118.http://citeseerx.ist.psu.edu/viewdoc/download;jsessionid	X
gujaf-87	193	12	.	.	PUNCT
gujaf-87	194	1	al	al	PROPN
gujaf-87	194	2	-	-	PUNCT
gujaf-87	194	3	khouri	khouri	PROPN
gujaf-87	194	4	,	,	PUNCT
gujaf-87	194	5	r.	r.	PROPN
gujaf-87	194	6	(	(	PUNCT
gujaf-87	194	7	2011	2011	NUM
gujaf-87	194	8	)	)	PUNCT
gujaf-87	194	9	.	.	PUNCT
gujaf-87	195	1	assessing	assess	VERB
gujaf-87	195	2	the	the	DET
gujaf-87	195	3	risk	risk	NOUN
gujaf-87	195	4	and	and	CCONJ
gujaf-87	195	5	performance	performance	NOUN
gujaf-87	195	6	of	of	ADP
gujaf-87	195	7	the	the	DET
gujaf-87	195	8	gcc	gcc	NOUN
gujaf-87	195	9	banking	bank	VERB
gujaf-87	195	10	sector.international	sector.international	ADJ
gujaf-87	195	11	research	research	NOUN
gujaf-87	195	12	journal	journal	NOUN
gujaf-87	195	13	of	of	ADP
gujaf-87	195	14	finance	finance	NOUN
gujaf-87	195	15	and	and	CCONJ
gujaf-87	195	16	economics	economic	NOUN
gujaf-87	195	17	,	,	PUNCT
gujaf-87	195	18	65	65	NUM
gujaf-87	195	19	,	,	PUNCT
gujaf-87	195	20	72	72	NUM
gujaf-87	195	21	-	-	SYM
gujaf-87	195	22	81	81	NUM
gujaf-87	195	23	.	.	PUNCT
gujaf-87	196	1	ayodele	ayodele	PROPN
gujaf-87	196	2	,	,	PUNCT
gujaf-87	196	3	t.d	t.d	PROPN
gujaf-87	196	4	.	.	PROPN
gujaf-87	196	5	,	,	PUNCT
gujaf-87	196	6	&	&	CCONJ
gujaf-87	196	7	alabi	alabi	PROPN
gujaf-87	196	8	,	,	PUNCT
gujaf-87	196	9	r.o	r.o	PROPN
gujaf-87	196	10	.	.	PROPN
gujaf-87	196	11	(	(	PUNCT
gujaf-87	196	12	2014	2014	NUM
gujaf-87	196	13	)	)	PUNCT
gujaf-87	196	14	.	.	PUNCT
gujaf-87	197	1	risk	risk	NOUN
gujaf-87	197	2	management	management	NOUN
gujaf-87	197	3	in	in	ADP
gujaf-87	197	4	nigerian	nigerian	ADJ
gujaf-87	197	5	banking	banking	NOUN
gujaf-87	197	6	industry	industry	NOUN
gujaf-87	197	7	.	.	PUNCT
gujaf-87	198	1	research	research	NOUN
gujaf-87	198	2	journal	journal	PROPN
gujaf-87	198	3	of	of	ADP
gujaf-87	198	4	finance	finance	NOUN
gujaf-87	198	5	and	and	CCONJ
gujaf-87	198	6	accounting	accounting	NOUN
gujaf-87	198	7	,	,	PUNCT
gujaf-87	198	8	5(2	5(2	NUM
gujaf-87	198	9	)	)	PUNCT
gujaf-87	198	10	,	,	PUNCT
gujaf-87	198	11	131	131	NUM
gujaf-87	198	12	-	-	SYM
gujaf-87	198	13	136	136	NUM
gujaf-87	198	14	.	.	PUNCT
gujaf-87	199	1	badawi	badawi	ADJ
gujaf-87	199	2	,	,	PUNCT
gujaf-87	199	3	a.	a.	NOUN
gujaf-87	199	4	(	(	PUNCT
gujaf-87	199	5	2017	2017	NUM
gujaf-87	199	6	)	)	PUNCT
gujaf-87	199	7	.	.	PUNCT
gujaf-87	200	1	effect	effect	NOUN
gujaf-87	200	2	of	of	ADP
gujaf-87	200	3	credit	credit	NOUN
gujaf-87	200	4	risk	risk	NOUN
gujaf-87	200	5	,	,	PUNCT
gujaf-87	200	6	liquidity	liquidity	NOUN
gujaf-87	200	7	risk	risk	NOUN
gujaf-87	200	8	,	,	PUNCT
gujaf-87	200	9	and	and	CCONJ
gujaf-87	200	10	market	market	NOUN
gujaf-87	200	11	risk	risk	NOUN
gujaf-87	200	12	banking	banking	NOUN
gujaf-87	200	13	to	to	ADP
gujaf-87	200	14	profitability	profitability	NOUN
gujaf-87	200	15	bank	bank	NOUN
gujaf-87	200	16	.	.	PUNCT
gujaf-87	201	1	european	european	PROPN
gujaf-87	201	2	journal	journal	PROPN
gujaf-87	201	3	of	of	ADP
gujaf-87	201	4	business	business	NOUN
gujaf-87	201	5	and	and	CCONJ
gujaf-87	201	6	management	management	NOUN
gujaf-87	201	7	,	,	PUNCT
gujaf-87	201	8	9(29	9(29	NUM
gujaf-87	201	9	)	)	PUNCT
gujaf-87	201	10	234	234	NUM
gujaf-87	201	11	-	-	SYM
gujaf-87	201	12	252	252	NUM
gujaf-87	201	13	.	.	PUNCT
gujaf-87	202	1	bagh	bagh	PROPN
gujaf-87	202	2	,	,	PUNCT
gujaf-87	202	3	t.	t.	PROPN
gujaf-87	202	4	,	,	PUNCT
gujaf-87	202	5	khan	khan	PROPN
gujaf-87	202	6	,	,	PUNCT
gujaf-87	202	7	m.	m.	NOUN
gujaf-87	202	8	a.	a.	PROPN
gujaf-87	202	9	,	,	PUNCT
gujaf-87	202	10	azad	azad	PROPN
gujaf-87	202	11	,	,	PUNCT
gujaf-87	202	12	t.	t.	PROPN
gujaf-87	202	13	,	,	PUNCT
gujaf-87	202	14	saddique	saddique	NOUN
gujaf-87	202	15	,	,	PUNCT
gujaf-87	202	16	s.	s.	PROPN
gujaf-87	202	17	,	,	PUNCT
gujaf-87	202	18	&	&	CCONJ
gujaf-87	202	19	khan	khan	PROPN
gujaf-87	202	20	,	,	PUNCT
gujaf-87	202	21	m.	m.	NOUN
gujaf-87	202	22	a.	a.	NOUN
gujaf-87	202	23	(	(	PUNCT
gujaf-87	202	24	2017	2017	NUM
gujaf-87	202	25	)	)	PUNCT
gujaf-87	202	26	.	.	PUNCT
gujaf-87	203	1	the	the	DET
gujaf-87	203	2	corporate	corporate	ADJ
gujaf-87	203	3	social	social	ADJ
gujaf-87	203	4	responsibility	responsibility	NOUN
gujaf-87	203	5	and	and	CCONJ
gujaf-87	203	6	firms	firm	NOUN
gujaf-87	203	7	’	'	PUNCT
gujaf-87	203	8	financial	financial	ADJ
gujaf-87	203	9	performance	performance	NOUN
gujaf-87	203	10	:	:	PUNCT
gujaf-87	203	11	evidence	evidence	NOUN
gujaf-87	203	12	from	from	ADP
gujaf-87	203	13	financial	financial	ADJ
gujaf-87	203	14	sector	sector	NOUN
gujaf-87	203	15	of	of	ADP
gujaf-87	203	16	pakistan	pakistan	PROPN
gujaf-87	203	17	.	.	PUNCT
gujaf-87	204	1	international	international	ADJ
gujaf-87	204	2	journal	journal	PROPN
gujaf-87	204	3	of	of	ADP
gujaf-87	204	4	economics	economic	NOUN
gujaf-87	204	5	and	and	CCONJ
gujaf-87	204	6	financial	financial	ADJ
gujaf-87	204	7	issues	issue	NOUN
gujaf-87	204	8	,	,	PUNCT
gujaf-87	204	9	7(2	7(2	NUM
gujaf-87	204	10	)	)	PUNCT
gujaf-87	204	11	,	,	PUNCT
gujaf-87	204	12	301	301	NUM
gujaf-87	204	13	-	-	SYM
gujaf-87	204	14	308	308	NUM
gujaf-87	204	15	bgl	bgl	NOUN
gujaf-87	204	16	,	,	PUNCT
gujaf-87	204	17	(	(	PUNCT
gujaf-87	204	18	2010	2010	NUM
gujaf-87	204	19	)	)	PUNCT
gujaf-87	204	20	.	.	PUNCT
gujaf-87	205	1	bgl	bgl	PROPN
gujaf-87	205	2	banking	banking	NOUN
gujaf-87	205	3	report	report	PROPN
gujaf-87	205	4	,	,	PUNCT
gujaf-87	205	5	january	january	PROPN
gujaf-87	205	6	.	.	PUNCT
gujaf-87	206	1	broll	broll	PROPN
gujaf-87	206	2	,	,	PUNCT
gujaf-87	206	3	u.	u.	PROPN
gujaf-87	206	4	,	,	PUNCT
gujaf-87	206	5	pausch	pausch	PROPN
gujaf-87	206	6	,	,	PUNCT
gujaf-87	206	7	t.	t.	PROPN
gujaf-87	206	8	,	,	PUNCT
gujaf-87	206	9	&	&	CCONJ
gujaf-87	206	10	welzel	welzel	PROPN
gujaf-87	206	11	,	,	PUNCT
gujaf-87	206	12	p.	p.	NOUN
gujaf-87	206	13	(	(	PUNCT
gujaf-87	206	14	2002	2002	NUM
gujaf-87	206	15	)	)	PUNCT
gujaf-87	206	16	.	.	PUNCT
gujaf-87	207	1	credit	credit	NOUN
gujaf-87	207	2	risk	risk	NOUN
gujaf-87	207	3	and	and	CCONJ
gujaf-87	207	4	credit	credit	NOUN
gujaf-87	207	5	derivatives	derivative	NOUN
gujaf-87	207	6	in	in	ADP
gujaf-87	207	7	banking	banking	NOUN
gujaf-87	207	8	.	.	PUNCT
gujaf-87	208	1	volkswirtschaftlichediskussionsreihe	volkswirtschaftlichediskussionsreihe	PROPN
gujaf-87	208	2	,	,	PUNCT
gujaf-87	208	3	beitragnr.228,institutf¨urvolkswirtschaftslehre	beitragnr.228,institutf¨urvolkswirtschaftslehre	PROPN
gujaf-87	208	4	,	,	PUNCT
gujaf-87	208	5	universit¨at	universit¨at	PRON
gujaf-87	208	6	augsburg	augsburg	PROPN
gujaf-87	208	7	.	.	PUNCT
gujaf-87	209	1	carey	carey	PROPN
gujaf-87	209	2	,	,	PUNCT
gujaf-87	209	3	a.	a.	NOUN
gujaf-87	209	4	(	(	PUNCT
gujaf-87	209	5	2001	2001	NUM
gujaf-87	209	6	)	)	PUNCT
gujaf-87	209	7	.	.	PUNCT
gujaf-87	210	1	effective	effective	ADJ
gujaf-87	210	2	risk	risk	NOUN
gujaf-87	210	3	management	management	NOUN
gujaf-87	210	4	in	in	ADP
gujaf-87	210	5	financial	financial	ADJ
gujaf-87	210	6	institutions	institution	NOUN
gujaf-87	210	7	:	:	PUNCT
gujaf-87	210	8	the	the	DET
gujaf-87	210	9	turnbullapproach	turnbullapproach	NOUN
gujaf-87	210	10	.	.	PUNCT
gujaf-87	211	1	balance	balance	NOUN
gujaf-87	211	2	sheet	sheet	NOUN
gujaf-87	211	3	,	,	PUNCT
gujaf-87	211	4	9(3	9(3	NUM
gujaf-87	211	5	)	)	PUNCT
gujaf-87	211	6	,	,	PUNCT
gujaf-87	211	7	24	24	NUM
gujaf-87	211	8	-	-	SYM
gujaf-87	211	9	7	7	NUM
gujaf-87	211	10	.	.	PUNCT
gujaf-87	211	11	coase	coase	PROPN
gujaf-87	211	12	,	,	PUNCT
gujaf-87	211	13	r.h	r.h	PROPN
gujaf-87	211	14	.	.	PROPN
gujaf-87	211	15	(	(	PUNCT
gujaf-87	211	16	1960	1960	NUM
gujaf-87	211	17	)	)	PUNCT
gujaf-87	211	18	.	.	PUNCT
gujaf-87	212	1	the	the	DET
gujaf-87	212	2	problem	problem	NOUN
gujaf-87	212	3	of	of	ADP
gujaf-87	212	4	social	social	ADJ
gujaf-87	212	5	cost	cost	NOUN
gujaf-87	212	6	.	.	PUNCT
gujaf-87	213	1	the	the	DET
gujaf-87	213	2	university	university	PROPN
gujaf-87	213	3	of	of	ADP
gujaf-87	213	4	chicago	chicago	PROPN
gujaf-87	213	5	.	.	PUNCT
gujaf-87	214	1	dang	dang	PROPN
gujaf-87	214	2	,	,	PUNCT
gujaf-87	214	3	v.a	v.a	PROPN
gujaf-87	214	4	.	.	PROPN
gujaf-87	214	5	(	(	PUNCT
gujaf-87	214	6	2011	2011	NUM
gujaf-87	214	7	)	)	PUNCT
gujaf-87	214	8	.	.	PUNCT
gujaf-87	215	1	leverage	leverage	NOUN
gujaf-87	215	2	,	,	PUNCT
gujaf-87	215	3	debt	debt	NOUN
gujaf-87	215	4	maturity	maturity	NOUN
gujaf-87	215	5	and	and	CCONJ
gujaf-87	215	6	firm	firm	ADJ
gujaf-87	215	7	investment	investment	NOUN
gujaf-87	215	8	:	:	PUNCT
gujaf-87	215	9	an	an	DET
gujaf-87	215	10	empirical	empirical	ADJ
gujaf-87	215	11	analysis	analysis	NOUN
gujaf-87	215	12	.	.	PUNCT
gujaf-87	216	1	journal	journal	PROPN
gujaf-87	216	2	of	of	ADP
gujaf-87	216	3	business	business	NOUN
gujaf-87	216	4	finance	finance	NOUN
gujaf-87	216	5	and	and	CCONJ
gujaf-87	216	6	accounting	accounting	NOUN
gujaf-87	216	7	,	,	PUNCT
gujaf-87	216	8	38(1	38(1	NUM
gujaf-87	216	9	)	)	PUNCT
gujaf-87	216	10	,	,	PUNCT
gujaf-87	216	11	225-258.https://doi.org/10.1111/j.1468	225-258.https://doi.org/10.1111/j.1468	NOUN
gujaf-87	216	12	5957.2010.02215.x	5957.2010.02215.x	NUM
gujaf-87	216	13	eccles	eccle	NOUN
gujaf-87	216	14	,	,	PUNCT
gujaf-87	216	15	r.	r.	PROPN
gujaf-87	216	16	g.	g.	PROPN
gujaf-87	216	17	,	,	PUNCT
gujaf-87	216	18	(	(	PUNCT
gujaf-87	216	19	1991	1991	NUM
gujaf-87	216	20	)	)	PUNCT
gujaf-87	216	21	.	.	PUNCT
gujaf-87	217	1	performance	performance	NOUN
gujaf-87	217	2	measurement	measurement	NOUN
gujaf-87	217	3	manifesto.hurra	manifesto.hurra	PROPN
gujaf-87	217	4	business	business	NOUN
gujaf-87	217	5	review,69(1	review,69(1	PROPN
gujaf-87	217	6	)	)	PUNCT
gujaf-87	217	7	,	,	PUNCT
gujaf-87	217	8	201	201	NUM
gujaf-87	217	9	-	-	SYM
gujaf-87	217	10	219	219	NUM
gujaf-87	217	11	.	.	PUNCT
gujaf-87	218	1	epure	epure	NOUN
gujaf-87	218	2	,	,	PUNCT
gujaf-87	218	3	m.	m.	NOUN
gujaf-87	218	4	,	,	PUNCT
gujaf-87	218	5	&	&	CCONJ
gujaf-87	218	6	lafuente	lafuente	PROPN
gujaf-87	218	7	,	,	PUNCT
gujaf-87	218	8	e.	e.	PROPN
gujaf-87	218	9	(	(	PUNCT
gujaf-87	218	10	2015	2015	NUM
gujaf-87	218	11	)	)	PUNCT
gujaf-87	218	12	.	.	PUNCT
gujaf-87	219	1	monitoring	monitor	VERB
gujaf-87	219	2	bank	bank	NOUN
gujaf-87	219	3	performance	performance	NOUN
gujaf-87	219	4	in	in	ADP
gujaf-87	219	5	the	the	DET
gujaf-87	219	6	presence	presence	NOUN
gujaf-87	219	7	of	of	ADP
gujaf-87	219	8	risk	risk	NOUN
gujaf-87	219	9	.	.	PUNCT
gujaf-87	220	1	journal	journal	NOUN
gujaf-87	220	2	of	of	ADP
gujaf-87	220	3	productivity	productivity	NOUN
gujaf-87	220	4	analysis	analysis	NOUN
gujaf-87	220	5	,	,	PUNCT
gujaf-87	220	6	44(3	44(3	NOUN
gujaf-87	220	7	)	)	PUNCT
gujaf-87	220	8	,	,	PUNCT
gujaf-87	220	9	265-281.doi	265-281.doi	NUM
gujaf-87	220	10	:	:	PUNCT
gujaf-87	220	11	10.1007	10.1007	NUM
gujaf-87	220	12	/	/	SYM
gujaf-87	220	13	s11123	s11123	PROPN
gujaf-87	220	14	-	-	PUNCT
gujaf-87	220	15	0143	0143	NUM
gujaf-87	220	16	-	-	PUNCT
gujaf-87	220	17	z	z	PROPN
gujaf-87	220	18	erasmus	erasmus	PROPN
gujaf-87	220	19	,	,	PUNCT
gujaf-87	220	20	(	(	PUNCT
gujaf-87	220	21	2008	2008	NUM
gujaf-87	220	22	)	)	PUNCT
gujaf-87	220	23	.	.	PUNCT
gujaf-87	221	1	erasmus	erasmus	PROPN
gujaf-87	221	2	mobility	mobility	PROPN
gujaf-87	221	3	statistics	statistics	PROPN
gujaf-87	221	4	.	.	PUNCT
gujaf-87	222	1	directorate	directorate	ADJ
gujaf-87	222	2	general	general	NOUN
gujaf-87	222	3	for	for	ADP
gujaf-87	222	4	education	education	NOUN
gujaf-87	222	5	,	,	PUNCT
gujaf-87	222	6	youth	youth	NOUN
gujaf-87	222	7	,	,	PUNCT
gujaf-87	222	8	666	666	NUM
gujaf-87	222	9	sport	sport	NOUN
gujaf-87	222	10	and	and	CCONJ
gujaf-87	222	11	culture	culture	NOUN
gujaf-87	222	12	felix	felix	PROPN
gujaf-87	222	13	,	,	PUNCT
gujaf-87	222	14	a.t	a.t	PROPN
gujaf-87	222	15	.	.	PROPN
gujaf-87	222	16	,	,	PUNCT
gujaf-87	222	17	&	&	CCONJ
gujaf-87	222	18	claudine	claudine	PROPN
gujaf-87	222	19	,	,	PUNCT
gujaf-87	222	20	t.n	t.n	PROPN
gujaf-87	222	21	.	.	PROPN
gujaf-87	222	22	(	(	PUNCT
gujaf-87	222	23	2008	2008	NUM
gujaf-87	222	24	)	)	PUNCT
gujaf-87	222	25	.	.	PUNCT
gujaf-87	223	1	bank	bank	NOUN
gujaf-87	223	2	performance	performance	NOUN
gujaf-87	223	3	and	and	CCONJ
gujaf-87	223	4	credit	credit	NOUN
gujaf-87	223	5	risk	risk	NOUN
gujaf-87	223	6	management	management	NOUN
gujaf-87	223	7	.	.	PUNCT
gujaf-87	224	1	unpublished	unpublished	ADJ
gujaf-87	224	2	masters	master	NOUN
gujaf-87	224	3	dissertation	dissertation	NOUN
gujaf-87	224	4	in	in	ADP
gujaf-87	224	5	finance	finance	NOUN
gujaf-87	224	6	,	,	PUNCT
gujaf-87	224	7	university	university	NOUN
gujaf-87	224	8	of	of	ADP
gujaf-87	224	9	skovde	skovde	PROPN
gujaf-87	224	10	french	french	PROPN
gujaf-87	224	11	.	.	PUNCT
gujaf-87	225	1	d.	d.	PROPN
gujaf-87	225	2	,	,	PUNCT
gujaf-87	225	3	&	&	CCONJ
gujaf-87	225	4	saward	saward	PROPN
gujaf-87	225	5	,	,	PUNCT
gujaf-87	225	6	h.	h.	PROPN
gujaf-87	225	7	(	(	PUNCT
gujaf-87	225	8	2000	2000	NUM
gujaf-87	225	9	)	)	PUNCT
gujaf-87	225	10	.	.	PUNCT
gujaf-87	226	1	dictionary	dictionary	NOUN
gujaf-87	226	2	of	of	ADP
gujaf-87	226	3	management	management	NOUN
gujaf-87	226	4	.	.	PUNCT
gujaf-87	227	1	london	london	PROPN
gujaf-87	227	2	:	:	PUNCT
gujaf-87	227	3	pan	pan	PROPN
gujaf-87	227	4	reference	reference	PROPN
gujaf-87	227	5	book	book	NOUN
gujaf-87	227	6	funso	funso	PROPN
gujaf-87	227	7	,	,	PUNCT
gujaf-87	227	8	t.	t.	PROPN
gujaf-87	227	9	,	,	PUNCT
gujaf-87	227	10	kolade	kolade	PROPN
gujaf-87	227	11	,	,	PUNCT
gujaf-87	227	12	r.	r.	PROPN
gujaf-87	227	13	,	,	PUNCT
gujaf-87	227	14	&	&	CCONJ
gujaf-87	227	15	ojo	ojo	NOUN
gujaf-87	227	16	,	,	PUNCT
gujaf-87	227	17	m.	m.	NOUN
gujaf-87	227	18	(	(	PUNCT
gujaf-87	227	19	2012	2012	NUM
gujaf-87	227	20	)	)	PUNCT
gujaf-87	227	21	.	.	PUNCT
gujaf-87	228	1	credit	credit	NOUN
gujaf-87	228	2	risk	risk	NOUN
gujaf-87	228	3	and	and	CCONJ
gujaf-87	228	4	commercial	commercial	ADJ
gujaf-87	228	5	banks	bank	NOUN
gujaf-87	228	6	’	'	PUNCT
gujaf-87	228	7	performance	performance	NOUN
gujaf-87	228	8	in	in	ADP
gujaf-87	228	9	nigeria	nigeria	PROPN
gujaf-87	228	10	.	.	PUNCT
gujaf-87	229	1	australian	australian	ADJ
gujaf-87	229	2	journal	journal	NOUN
gujaf-87	229	3	of	of	ADP
gujaf-87	229	4	business	business	NOUN
gujaf-87	229	5	and	and	CCONJ
gujaf-87	229	6	management	management	NOUN
gujaf-87	229	7	research	research	NOUN
gujaf-87	229	8	,	,	PUNCT
gujaf-87	229	9	2(2	2(2	NUM
gujaf-87	229	10	)	)	PUNCT
gujaf-87	229	11	,	,	PUNCT
gujaf-87	229	12	31	31	NUM
gujaf-87	229	13	-	-	SYM
gujaf-87	229	14	38	38	NUM
gujaf-87	229	15	.	.	PUNCT
gujaf-87	230	1	https://doi.org/10.1111/j.1468-%095957.2010.02215.x	https://doi.org/10.1111/j.1468-%095957.2010.02215.x	PROPN
gujaf-87	230	2	https://doi.org/10.1111/j.1468-%095957.2010.02215.x	https://doi.org/10.1111/j.1468-%095957.2010.02215.x	NOUN
gujaf-87	230	3	12	12	NUM
gujaf-87	230	4	furobotn	furobotn	PROPN
gujaf-87	230	5	,	,	PUNCT
gujaf-87	230	6	e.	e.	PROPN
gujaf-87	230	7	,	,	PUNCT
gujaf-87	230	8	richter	richter	PROPN
gujaf-87	230	9	,	,	PUNCT
gujaf-87	230	10	r.	r.	PROPN
gujaf-87	230	11	,	,	PUNCT
gujaf-87	230	12	&	&	CCONJ
gujaf-87	230	13	lozano	lozano	PROPN
gujaf-87	230	14	,	,	PUNCT
gujaf-87	230	15	j.	j.	PROPN
gujaf-87	230	16	(	(	PUNCT
gujaf-87	230	17	1997	1997	NUM
gujaf-87	230	18	)	)	PUNCT
gujaf-87	230	19	.	.	PUNCT
gujaf-87	231	1	institutions	institution	NOUN
gujaf-87	231	2	and	and	CCONJ
gujaf-87	231	3	economic	economic	ADJ
gujaf-87	231	4	theory	theory	NOUN
gujaf-87	231	5	:	:	PUNCT
gujaf-87	231	6	the	the	DET
gujaf-87	231	7	contribution	contribution	NOUN
gujaf-87	231	8	of	of	ADP
gujaf-87	231	9	the	the	DET
gujaf-87	231	10	new	new	ADJ
gujaf-87	231	11	institutional	institutional	ADJ
gujaf-87	231	12	economics	economic	NOUN
gujaf-87	231	13	.	.	PUNCT
gujaf-87	232	1	revista	revista	PROPN
gujaf-87	232	2	de	de	PROPN
gujaf-87	232	3	economia	economia	PROPN
gujaf-87	232	4	institutional	institutional	NOUN
gujaf-87	232	5	,	,	PUNCT
gujaf-87	232	6	2	2	NUM
gujaf-87	232	7	,	,	PUNCT
gujaf-87	232	8	166	166	NUM
gujaf-87	232	9	-	-	SYM
gujaf-87	232	10	169	169	NUM
gujaf-87	232	11	.	.	PUNCT
gujaf-87	233	1	gallati	gallati	PROPN
gujaf-87	233	2	,	,	PUNCT
gujaf-87	233	3	r.r	r.r	PROPN
gujaf-87	233	4	.	.	PROPN
gujaf-87	233	5	(	(	PUNCT
gujaf-87	233	6	2003	2003	NUM
gujaf-87	233	7	)	)	PUNCT
gujaf-87	233	8	.	.	PUNCT
gujaf-87	234	1	risk	risk	NOUN
gujaf-87	234	2	management	management	NOUN
gujaf-87	234	3	and	and	CCONJ
gujaf-87	234	4	capital	capital	NOUN
gujaf-87	234	5	adequacy	adequacy	NOUN
gujaf-87	234	6	.	.	PUNCT
gujaf-87	235	1	new	new	PROPN
gujaf-87	235	2	york	york	PROPN
gujaf-87	235	3	,	,	PUNCT
gujaf-87	235	4	london	london	PROPN
gujaf-87	235	5	,	,	PUNCT
gujaf-87	235	6	mcgraw	mcgraw	PROPN
gujaf-87	235	7	-	-	PUNCT
gujaf-87	235	8	hill	hill	PROPN
gujaf-87	235	9	gurley	gurley	PROPN
gujaf-87	235	10	,	,	PUNCT
gujaf-87	235	11	j.g	j.g	PROPN
gujaf-87	235	12	.	.	PROPN
gujaf-87	235	13	,	,	PUNCT
gujaf-87	235	14	&	&	CCONJ
gujaf-87	235	15	shaw	shaw	PROPN
gujaf-87	235	16	,	,	PUNCT
gujaf-87	235	17	e.s	e.s	PROPN
gujaf-87	235	18	.	.	PROPN
gujaf-87	235	19	(	(	PUNCT
gujaf-87	235	20	1960	1960	NUM
gujaf-87	235	21	)	)	PUNCT
gujaf-87	235	22	.	.	PUNCT
gujaf-87	236	1	money	money	NOUN
gujaf-87	236	2	in	in	ADP
gujaf-87	236	3	a	a	DET
gujaf-87	236	4	theory	theory	NOUN
gujaf-87	236	5	of	of	ADP
gujaf-87	236	6	finance	finance	NOUN
gujaf-87	236	7	.	.	PUNCT
gujaf-87	237	1	brookings	brookings	PROPN
gujaf-87	237	2	institution	institution	PROPN
gujaf-87	237	3	gyntelberg	gyntelberg	PROPN
gujaf-87	237	4	,	,	PUNCT
gujaf-87	237	5	j.	j.	PROPN
gujaf-87	237	6	,	,	PUNCT
gujaf-87	237	7	johansson	johansson	PROPN
gujaf-87	237	8	,	,	PUNCT
gujaf-87	237	9	m.w	m.w	PROPN
gujaf-87	237	10	.	.	PROPN
gujaf-87	237	11	,	,	PUNCT
gujaf-87	237	12	&	&	CCONJ
gujaf-87	237	13	persson	persson	PROPN
gujaf-87	237	14	,	,	PUNCT
gujaf-87	237	15	m.	m.	NOUN
gujaf-87	237	16	(	(	PUNCT
gujaf-87	237	17	2007	2007	NUM
gujaf-87	237	18	)	)	PUNCT
gujaf-87	237	19	.	.	PUNCT
gujaf-87	238	1	using	use	VERB
gujaf-87	238	2	housing	housing	NOUN
gujaf-87	238	3	finance	finance	PROPN
gujaf-87	238	4	micro	micro	PROPN
gujaf-87	238	5	data	datum	NOUN
gujaf-87	238	6	to	to	PART
gujaf-87	238	7	assess	assess	VERB
gujaf-87	238	8	financial	financial	ADJ
gujaf-87	238	9	stability	stability	NOUN
gujaf-87	238	10	risks	risk	NOUN
gujaf-87	238	11	.	.	PUNCT
gujaf-87	239	1	housing	housing	NOUN
gujaf-87	239	2	finance	finance	PROPN
gujaf-87	239	3	international	international	PROPN
gujaf-87	239	4	,	,	PUNCT
gujaf-87	239	5	london	london	PROPN
gujaf-87	239	6	,	,	PUNCT
gujaf-87	239	7	22(1),1	22(1),1	PROPN
gujaf-87	239	8	-	-	SYM
gujaf-87	239	9	18	18	NUM
gujaf-87	239	10	.	.	PUNCT
gujaf-87	240	1	harelimana	harelimana	PROPN
gujaf-87	240	2	,	,	PUNCT
gujaf-87	240	3	j.b	j.b	PROPN
gujaf-87	240	4	.	.	PUNCT
gujaf-87	240	5	(	(	PUNCT
gujaf-87	240	6	2017	2017	NUM
gujaf-87	240	7	)	)	PUNCT
gujaf-87	240	8	.	.	PUNCT
gujaf-87	241	1	the	the	DET
gujaf-87	241	2	role	role	NOUN
gujaf-87	241	3	of	of	ADP
gujaf-87	241	4	risk	risk	NOUN
gujaf-87	241	5	management	management	NOUN
gujaf-87	241	6	on	on	ADP
gujaf-87	241	7	financial	financial	ADJ
gujaf-87	241	8	performance	performance	NOUN
gujaf-87	241	9	of	of	ADP
gujaf-87	241	10	banking	banking	NOUN
gujaf-87	241	11	institutions	institution	NOUN
gujaf-87	241	12	in	in	ADP
gujaf-87	241	13	rwanda	rwanda	PROPN
gujaf-87	241	14	.	.	PUNCT
gujaf-87	242	1	global	global	ADJ
gujaf-87	242	2	journal	journal	PROPN
gujaf-87	242	3	of	of	ADP
gujaf-87	242	4	management	management	NOUN
gujaf-87	242	5	and	and	CCONJ
gujaf-87	242	6	business	business	NOUN
gujaf-87	242	7	,	,	PUNCT
gujaf-87	242	8	17(1	17(1	NUM
gujaf-87	242	9	)	)	PUNCT
gujaf-87	242	10	,	,	PUNCT
gujaf-87	242	11	140157	140157	NUM
gujaf-87	242	12	.	.	PUNCT
gujaf-87	243	1	kamleitner	kamleitner	PROPN
gujaf-87	243	2	,	,	PUNCT
gujaf-87	243	3	b.	b.	PROPN
gujaf-87	243	4	,	,	PUNCT
gujaf-87	243	5	mitchel	mitchel	PROPN
gujaf-87	243	6	,	,	PUNCT
gujaf-87	243	7	v.	v.	PROPN
gujaf-87	243	8	,	,	PUNCT
gujaf-87	243	9	stephen	stephen	PROPN
gujaf-87	243	10	,	,	PUNCT
gujaf-87	243	11	a.t	a.t	PROPN
gujaf-87	243	12	.	.	PROPN
gujaf-87	243	13	,	,	PUNCT
gujaf-87	243	14	&	&	CCONJ
gujaf-87	243	15	kolah	kolah	PROPN
gujaf-87	243	16	,	,	PUNCT
gujaf-87	243	17	a.	a.	NOUN
gujaf-87	243	18	(	(	PUNCT
gujaf-87	243	19	2018	2018	NUM
gujaf-87	243	20	)	)	PUNCT
gujaf-87	243	21	.	.	PUNCT
gujaf-87	244	1	your	your	PRON
gujaf-87	244	2	customers	customer	NOUN
gujaf-87	244	3	may	may	AUX
gujaf-87	244	4	be	be	AUX
gujaf-87	244	5	the	the	DET
gujaf-87	244	6	weakest	weak	ADJ
gujaf-87	244	7	link	link	NOUN
gujaf-87	244	8	in	in	ADP
gujaf-87	244	9	your	your	PRON
gujaf-87	244	10	data	data	NOUN
gujaf-87	244	11	privacy	privacy	NOUN
gujaf-87	244	12	defenses	defense	NOUN
gujaf-87	244	13	.	.	PUNCT
gujaf-87	245	1	mit	mit	PROPN
gujaf-87	245	2	sloan	sloan	PROPN
gujaf-87	245	3	management	management	PROPN
gujaf-87	245	4	review	review	NOUN
gujaf-87	245	5	,	,	PUNCT
gujaf-87	245	6	1	1	NUM
gujaf-87	245	7	9.https://sloanreview.mit.edu/article/your-customers-may-be-the-weakest-link-in	9.https://sloanreview.mit.edu/article/your-customers-may-be-the-weakest-link-in	NUM
gujaf-87	245	8	-your	-your	ADJ
gujaf-87	245	9	data	data	NOUN
gujaf-87	245	10	-	-	PUNCT
gujaf-87	245	11	privacy	privacy	NOUN
gujaf-87	245	12	-	-	PUNCT
gujaf-87	245	13	defenses/	defenses/	NUM
gujaf-87	245	14	kannan	kannan	PROPN
gujaf-87	245	15	,	,	PUNCT
gujaf-87	245	16	n.	n.	NOUN
gujaf-87	245	17	,	,	PUNCT
gujaf-87	245	18	&	&	CCONJ
gujaf-87	245	19	thangavel	thangavel	NOUN
gujaf-87	245	20	,	,	PUNCT
gujaf-87	245	21	n.	n.	NOUN
gujaf-87	245	22	(	(	PUNCT
gujaf-87	245	23	2008	2008	NUM
gujaf-87	245	24	)	)	PUNCT
gujaf-87	245	25	.	.	PUNCT
gujaf-87	246	1	risk	risk	NOUN
gujaf-87	246	2	management	management	NOUN
gujaf-87	246	3	in	in	ADP
gujaf-87	246	4	the	the	DET
gujaf-87	246	5	financial	financial	ADJ
gujaf-87	246	6	services	service	NOUN
gujaf-87	246	7	industry	industry	NOUN
gujaf-87	246	8	.	.	PUNCT
gujaf-87	247	1	academic	academic	ADJ
gujaf-87	247	2	open	open	ADJ
gujaf-87	247	3	internet	internet	NOUN
gujaf-87	247	4	journal	journal	NOUN
gujaf-87	247	5	,	,	PUNCT
gujaf-87	247	6	22(7	22(7	NUM
gujaf-87	247	7	)	)	PUNCT
gujaf-87	247	8	,	,	PUNCT
gujaf-87	247	9	1	1	NUM
gujaf-87	247	10	-	-	SYM
gujaf-87	247	11	19	19	NUM
gujaf-87	247	12	.	.	PUNCT
gujaf-87	248	1	http://www.academicjournal.com/2008/v22/part7/pl	http://www.academicjournal.com/2008/v22/part7/pl	PROPN
gujaf-87	248	2	.	.	PUNCT
gujaf-87	249	1	kargi	kargi	PROPN
gujaf-87	249	2	,	,	PUNCT
gujaf-87	249	3	h.s	h.s	PROPN
gujaf-87	249	4	.	.	PROPN
gujaf-87	249	5	(	(	PUNCT
gujaf-87	249	6	2011	2011	NUM
gujaf-87	249	7	)	)	PUNCT
gujaf-87	249	8	.	.	PUNCT
gujaf-87	250	1	credit	credit	NOUN
gujaf-87	250	2	risk	risk	NOUN
gujaf-87	250	3	and	and	CCONJ
gujaf-87	250	4	the	the	DET
gujaf-87	250	5	performance	performance	NOUN
gujaf-87	250	6	of	of	ADP
gujaf-87	250	7	nigerian	nigerian	ADJ
gujaf-87	250	8	banks	bank	NOUN
gujaf-87	250	9	.	.	PUNCT
gujaf-87	251	1	ahmadu	ahmadu	PROPN
gujaf-87	251	2	bello	bello	PROPN
gujaf-87	251	3	university	university	PROPN
gujaf-87	251	4	,	,	PUNCT
gujaf-87	251	5	zaria	zaria	PROPN
gujaf-87	251	6	.	.	PUNCT
gujaf-87	252	1	khemraj	khemraj	PROPN
gujaf-87	252	2	,	,	PUNCT
gujaf-87	252	3	t.	t.	PROPN
gujaf-87	252	4	,	,	PUNCT
gujaf-87	252	5	&	&	CCONJ
gujaf-87	252	6	pasha	pasha	PROPN
gujaf-87	252	7	,	,	PUNCT
gujaf-87	252	8	s.	s.	PROPN
gujaf-87	252	9	(	(	PUNCT
gujaf-87	252	10	2009	2009	NUM
gujaf-87	252	11	)	)	PUNCT
gujaf-87	252	12	.	.	PUNCT
gujaf-87	253	1	the	the	DET
gujaf-87	253	2	determinants	determinant	NOUN
gujaf-87	253	3	of	of	ADP
gujaf-87	253	4	non	non	ADJ
gujaf-87	253	5	-	-	ADJ
gujaf-87	253	6	performing	performing	ADJ
gujaf-87	253	7	loans	loan	NOUN
gujaf-87	253	8	:	:	PUNCT
gujaf-87	253	9	an	an	DET
gujaf-87	253	10	economic	economic	ADJ
gujaf-87	253	11	case	case	NOUN
gujaf-87	253	12	study	study	NOUN
gujaf-87	253	13	of	of	ADP
gujaf-87	253	14	guyana	guyana	PROPN
gujaf-87	253	15	.	.	PUNCT
gujaf-87	254	1	munich	munich	PROPN
gujaf-87	254	2	personal	personal	PROPN
gujaf-87	254	3	repec	repec	PROPN
gujaf-87	254	4	archive	archive	PROPN
gujaf-87	254	5	,	,	PUNCT
gujaf-87	254	6	53128.https//mpra.ub.unimuenchen.de/53128	53128.https//mpra.ub.unimuenchen.de/53128	PROPN
gujaf-87	254	7	kolapo	kolapo	PROPN
gujaf-87	254	8	,	,	PUNCT
gujaf-87	254	9	t.f	t.f	PROPN
gujaf-87	254	10	.	.	PROPN
gujaf-87	254	11	,	,	PUNCT
gujaf-87	254	12	ayeni	ayeni	PROPN
gujaf-87	254	13	,	,	PUNCT
gujaf-87	254	14	r.k	r.k	PROPN
gujaf-87	254	15	.	.	PROPN
gujaf-87	254	16	,	,	PUNCT
gujaf-87	254	17	&	&	CCONJ
gujaf-87	254	18	oke	oke	ADV
gujaf-87	254	19	,	,	PUNCT
gujaf-87	254	20	m.o	m.o	PROPN
gujaf-87	254	21	.	.	PROPN
gujaf-87	254	22	(	(	PUNCT
gujaf-87	254	23	2012	2012	NUM
gujaf-87	254	24	)	)	PUNCT
gujaf-87	254	25	.	.	PUNCT
gujaf-87	255	1	credit	credit	NOUN
gujaf-87	255	2	risk	risk	NOUN
gujaf-87	255	3	and	and	CCONJ
gujaf-87	255	4	commercial	commercial	ADJ
gujaf-87	255	5	banks	bank	NOUN
gujaf-87	255	6	performance	performance	NOUN
gujaf-87	255	7	in	in	ADP
gujaf-87	255	8	nigeria	nigeria	PROPN
gujaf-87	255	9	:	:	PUNCT
gujaf-87	255	10	a	a	DET
gujaf-87	255	11	panel	panel	NOUN
gujaf-87	255	12	model	model	NOUN
gujaf-87	255	13	approach	approach	NOUN
gujaf-87	255	14	.	.	PUNCT
gujaf-87	256	1	australian	australian	ADJ
gujaf-87	256	2	journal	journal	NOUN
gujaf-87	256	3	of	of	ADP
gujaf-87	256	4	business	business	NOUN
gujaf-87	256	5	and	and	CCONJ
gujaf-87	256	6	management	management	NOUN
gujaf-87	256	7	research,2(2	research,2(2	PROPN
gujaf-87	256	8	)	)	PUNCT
gujaf-87	256	9	,	,	PUNCT
gujaf-87	256	10	31	31	NUM
gujaf-87	256	11	-	-	SYM
gujaf-87	256	12	38	38	NUM
gujaf-87	256	13	.	.	PUNCT
gujaf-87	257	1	kithinji	kithinji	PROPN
gujaf-87	257	2	,	,	PUNCT
gujaf-87	257	3	a.m.	a.m.	PROPN
gujaf-87	257	4	(	(	PUNCT
gujaf-87	257	5	2010	2010	NUM
gujaf-87	257	6	)	)	PUNCT
gujaf-87	257	7	.	.	PUNCT
gujaf-87	258	1	credit	credit	NOUN
gujaf-87	258	2	risk	risk	NOUN
gujaf-87	258	3	management	management	NOUN
gujaf-87	258	4	and	and	CCONJ
gujaf-87	258	5	profitability	profitability	NOUN
gujaf-87	258	6	of	of	ADP
gujaf-87	258	7	commercial	commercial	ADJ
gujaf-87	258	8	banks	bank	NOUN
gujaf-87	258	9	in	in	ADP
gujaf-87	258	10	kenya	kenya	PROPN
gujaf-87	258	11	.	.	PUNCT
gujaf-87	259	1	school	school	NOUN
gujaf-87	259	2	of	of	ADP
gujaf-87	259	3	business	business	NOUN
gujaf-87	259	4	,	,	PUNCT
gujaf-87	259	5	university	university	PROPN
gujaf-87	259	6	of	of	ADP
gujaf-87	259	7	nairobi	nairobi	PROPN
gujaf-87	259	8	,	,	PUNCT
gujaf-87	259	9	nairobi	nairobi	PROPN
gujaf-87	259	10	kuforiji	kuforiji	PROPN
gujaf-87	259	11	,	,	PUNCT
gujaf-87	259	12	o.	o.	PROPN
gujaf-87	259	13	(	(	PUNCT
gujaf-87	259	14	2008	2008	NUM
gujaf-87	259	15	)	)	PUNCT
gujaf-87	259	16	.	.	PUNCT
gujaf-87	260	1	six	six	NUM
gujaf-87	260	2	sigma	sigma	NOUN
gujaf-87	260	3	:	:	PUNCT
gujaf-87	260	4	an	an	DET
gujaf-87	260	5	important	important	ADJ
gujaf-87	260	6	decision	decision	NOUN
gujaf-87	260	7	science	science	NOUN
gujaf-87	260	8	tool	tool	NOUN
gujaf-87	260	9	in	in	ADP
gujaf-87	260	10	business	business	NOUN
gujaf-87	260	11	decisions.southeast	decisions.southeast	NUM
gujaf-87	260	12	decision	decision	NOUN
gujaf-87	260	13	sciences	science	NOUN
gujaf-87	260	14	conference	conference	NOUN
gujaf-87	260	15	proceedings	proceeding	NOUN
gujaf-87	260	16	.	.	PUNCT
gujaf-87	261	1	orlando	orlando	PROPN
gujaf-87	261	2	,	,	PUNCT
gujaf-87	261	3	fl	fl	PROPN
gujaf-87	261	4	,	,	PUNCT
gujaf-87	261	5	20	20	NUM
gujaf-87	261	6	-	-	SYM
gujaf-87	261	7	22	22	NUM
gujaf-87	261	8	marshal	marshal	NOUN
gujaf-87	261	9	,	,	PUNCT
gujaf-87	261	10	i.	i.	PROPN
gujaf-87	261	11	,	,	PUNCT
gujaf-87	261	12	&	&	CCONJ
gujaf-87	261	13	onyekachi	onyekachi	PROPN
gujaf-87	261	14	,	,	PUNCT
gujaf-87	261	15	o.	o.	INTJ
gujaf-87	261	16	(	(	PUNCT
gujaf-87	261	17	2014).credit	2014).credit	NUM
gujaf-87	261	18	risk	risk	NOUN
gujaf-87	261	19	and	and	CCONJ
gujaf-87	261	20	performance	performance	NOUN
gujaf-87	261	21	of	of	ADP
gujaf-87	261	22	selected	select	VERB
gujaf-87	261	23	deposit	deposit	NOUN
gujaf-87	261	24	money	money	NOUN
gujaf-87	261	25	banks	bank	NOUN
gujaf-87	261	26	in	in	ADP
gujaf-87	261	27	nigeria	nigeria	PROPN
gujaf-87	261	28	:	:	PUNCT
gujaf-87	261	29	an	an	DET
gujaf-87	261	30	empirical	empirical	ADJ
gujaf-87	261	31	investigation	investigation	NOUN
gujaf-87	261	32	.	.	PUNCT
gujaf-87	262	1	mccormork	mccormork	PROPN
gujaf-87	262	2	,	,	PUNCT
gujaf-87	262	3	r.	r.	PROPN
gujaf-87	262	4	(	(	PUNCT
gujaf-87	262	5	2004	2004	NUM
gujaf-87	262	6	)	)	PUNCT
gujaf-87	262	7	legal	legal	ADJ
gujaf-87	262	8	risk	risk	NOUN
gujaf-87	262	9	in	in	ADP
gujaf-87	262	10	the	the	DET
gujaf-87	262	11	financial	financial	ADJ
gujaf-87	262	12	market.oxford	market.oxford	PROPN
gujaf-87	262	13	university	university	NOUN
gujaf-87	262	14	press	press	NOUN
gujaf-87	262	15	neely	neely	PROPN
gujaf-87	262	16	,	,	PUNCT
gujaf-87	262	17	a.	a.	NOUN
gujaf-87	262	18	(	(	PUNCT
gujaf-87	262	19	2011	2011	NUM
gujaf-87	262	20	)	)	PUNCT
gujaf-87	262	21	.	.	PUNCT
gujaf-87	263	1	business	business	NOUN
gujaf-87	263	2	performance	performance	NOUN
gujaf-87	263	3	measurement	measurement	NOUN
gujaf-87	263	4	:	:	PUNCT
gujaf-87	263	5	unifying	unify	VERB
gujaf-87	263	6	theory	theory	NOUN
gujaf-87	263	7	and	and	CCONJ
gujaf-87	263	8	integrating	integrate	VERB
gujaf-87	263	9	practice	practice	NOUN
gujaf-87	263	10	.	.	PUNCT
gujaf-87	264	1	cambridge	cambridge	PROPN
gujaf-87	264	2	university	university	PROPN
gujaf-87	264	3	press	press	NOUN
gujaf-87	264	4	,	,	PUNCT
gujaf-87	264	5	2	2	NUM
gujaf-87	264	6	nd	nd	NOUN
gujaf-87	264	7	ed.www.cambridge.org/9780521855112	ed.www.cambridge.org/9780521855112	PROPN
gujaf-87	264	8	njogo	njogo	PROPN
gujaf-87	264	9	,	,	PUNCT
gujaf-87	264	10	b.o	b.o	PROPN
gujaf-87	264	11	.	.	PROPN
gujaf-87	264	12	(	(	PUNCT
gujaf-87	264	13	2012	2012	NUM
gujaf-87	264	14	)	)	PUNCT
gujaf-87	264	15	.	.	PUNCT
gujaf-87	265	1	risk	risk	NOUN
gujaf-87	265	2	management	management	NOUN
gujaf-87	265	3	in	in	ADP
gujaf-87	265	4	the	the	DET
gujaf-87	265	5	nigerian	nigerian	ADJ
gujaf-87	265	6	banking	banking	NOUN
gujaf-87	265	7	industry	industry	NOUN
gujaf-87	265	8	.	.	PUNCT
gujaf-87	266	1	kuwait	kuwait	PROPN
gujaf-87	266	2	chapter	chapter	PROPN
gujaf-87	266	3	of	of	ADP
gujaf-87	266	4	arabian	arabian	ADJ
gujaf-87	266	5	journal	journal	PROPN
gujaf-87	266	6	of	of	ADP
gujaf-87	266	7	business	business	NOUN
gujaf-87	266	8	and	and	CCONJ
gujaf-87	266	9	management	management	NOUN
gujaf-87	266	10	review	review	NOUN
gujaf-87	266	11	,	,	PUNCT
gujaf-87	266	12	1(10	1(10	NUM
gujaf-87	266	13	)	)	PUNCT
gujaf-87	266	14	,	,	PUNCT
gujaf-87	266	15	205	205	NUM
gujaf-87	266	16	-	-	SYM
gujaf-87	266	17	225	225	NUM
gujaf-87	266	18	.	.	PUNCT
gujaf-87	267	1	nocera	nocera	PROPN
gujaf-87	267	2	,	,	PUNCT
gujaf-87	267	3	j.	j.	PROPN
gujaf-87	267	4	(	(	PUNCT
gujaf-87	267	5	2009	2009	NUM
gujaf-87	267	6	)	)	PUNCT
gujaf-87	267	7	.	.	PUNCT
gujaf-87	268	1	risk	risk	NOUN
gujaf-87	268	2	management	management	NOUN
gujaf-87	268	3	.	.	PUNCT
gujaf-87	269	1	the	the	DET
gujaf-87	269	2	new	new	PROPN
gujaf-87	269	3	york	york	PROPN
gujaf-87	269	4	times	times	PROPN
gujaf-87	269	5	magazine	magazine	PROPN
gujaf-87	269	6	ogboi	ogboi	PROPN
gujaf-87	269	7	,	,	PUNCT
gujaf-87	269	8	c.	c.	PROPN
gujaf-87	269	9	,	,	PUNCT
gujaf-87	269	10	&	&	CCONJ
gujaf-87	269	11	unuafe	unuafe	ADJ
gujaf-87	269	12	,	,	PUNCT
gujaf-87	269	13	o.k	o.k	PROPN
gujaf-87	269	14	.	.	PROPN
gujaf-87	269	15	(	(	PUNCT
gujaf-87	269	16	2013	2013	NUM
gujaf-87	269	17	)	)	PUNCT
gujaf-87	269	18	.	.	PUNCT
gujaf-87	270	1	impact	impact	NOUN
gujaf-87	270	2	of	of	ADP
gujaf-87	270	3	risk	risk	NOUN
gujaf-87	270	4	management	management	NOUN
gujaf-87	270	5	and	and	CCONJ
gujaf-87	270	6	capital	capital	NOUN
gujaf-87	270	7	adequacy	adequacy	NOUN
gujaf-87	270	8	on	on	ADP
gujaf-87	270	9	the	the	DET
gujaf-87	270	10	financial	financial	ADJ
gujaf-87	270	11	performance	performance	NOUN
gujaf-87	270	12	of	of	ADP
gujaf-87	270	13	commercial	commercial	ADJ
gujaf-87	270	14	banks	bank	NOUN
gujaf-87	270	15	in	in	ADP
gujaf-87	270	16	nigeria	nigeria	PROPN
gujaf-87	270	17	.	.	PUNCT
gujaf-87	271	1	journal	journal	PROPN
gujaf-87	271	2	of	of	ADP
gujaf-87	271	3	emerging	emerge	VERB
gujaf-87	271	4	issues	issue	NOUN
gujaf-87	271	5	in	in	ADP
gujaf-87	271	6	economics	economic	NOUN
gujaf-87	271	7	,	,	PUNCT
gujaf-87	271	8	finance	finance	NOUN
gujaf-87	271	9	and	and	CCONJ
gujaf-87	271	10	banking	banking	NOUN
gujaf-87	271	11	(	(	PUNCT
gujaf-87	271	12	jeiefb	jeiefb	PROPN
gujaf-87	271	13	)	)	PUNCT
gujaf-87	271	14	,	,	PUNCT
gujaf-87	271	15	2(3	2(3	NUM
gujaf-87	271	16	)	)	PUNCT
gujaf-87	271	17	,	,	PUNCT
gujaf-87	271	18	1	1	NUM
gujaf-87	271	19	-	-	SYM
gujaf-87	271	20	18	18	NUM
gujaf-87	271	21	.	.	PUNCT
gujaf-87	272	1	okere	okere	PROPN
gujaf-87	272	2	,	,	PUNCT
gujaf-87	272	3	w.	w.	PROPN
gujaf-87	272	4	,	,	PUNCT
gujaf-87	272	5	isiaka	isiaka	PROPN
gujaf-87	272	6	,	,	PUNCT
gujaf-87	272	7	m.a	m.a	PROPN
gujaf-87	272	8	.	.	PROPN
gujaf-87	272	9	,	,	PUNCT
gujaf-87	272	10	&	&	CCONJ
gujaf-87	272	11	ogunlowore	ogunlowore	ADV
gujaf-87	272	12	,	,	PUNCT
gujaf-87	272	13	a.j	a.j	PROPN
gujaf-87	272	14	.	.	PROPN
gujaf-87	272	15	(	(	PUNCT
gujaf-87	272	16	2018	2018	NUM
gujaf-87	272	17	)	)	PUNCT
gujaf-87	272	18	.	.	PUNCT
gujaf-87	273	1	risk	risk	NOUN
gujaf-87	273	2	management	management	NOUN
gujaf-87	273	3	and	and	CCONJ
gujaf-87	273	4	financial	financial	ADJ
gujaf-87	273	5	performance	performance	NOUN
gujaf-87	273	6	of	of	ADP
gujaf-87	273	7	deposit	deposit	NOUN
gujaf-87	273	8	money	money	NOUN
gujaf-87	273	9	banks	bank	NOUN
gujaf-87	273	10	in	in	ADP
gujaf-87	273	11	nigeria	nigeria	PROPN
gujaf-87	273	12	.	.	PUNCT
gujaf-87	274	1	european	european	PROPN
gujaf-87	274	2	journal	journal	PROPN
gujaf-87	274	3	of	of	ADP
gujaf-87	274	4	business	business	NOUN
gujaf-87	274	5	,	,	PUNCT
gujaf-87	274	6	economic	economic	ADJ
gujaf-87	274	7	and	and	CCONJ
gujaf-87	274	8	accountancy	accountancy	NOUN
gujaf-87	274	9	,	,	PUNCT
gujaf-87	274	10	6	6	NUM
gujaf-87	274	11	,	,	PUNCT
gujaf-87	274	12	30	30	NUM
gujaf-87	274	13	-	-	SYM
gujaf-87	274	14	42	42	NUM
gujaf-87	274	15	okwuosa	okwuosa	ADV
gujaf-87	274	16	(	(	PUNCT
gujaf-87	274	17	2005	2005	NUM
gujaf-87	274	18	)	)	PUNCT
gujaf-87	274	19	.	.	PUNCT
gujaf-87	275	1	advanced	advanced	ADJ
gujaf-87	275	2	financial	financial	ADJ
gujaf-87	275	3	accounting	accounting	NOUN
gujaf-87	275	4	manual	manual	NOUN
gujaf-87	275	5	.	.	PUNCT
gujaf-87	276	1	arnold	arnold	PROPN
gujaf-87	276	2	consulting	consulting	PROPN
gujaf-87	276	3	ltd	ltd	PROPN
gujaf-87	276	4	.	.	PROPN
gujaf-87	276	5	olalekan	olalekan	PROPN
gujaf-87	276	6	,	,	PUNCT
gujaf-87	276	7	a.	a.	PROPN
gujaf-87	276	8	,	,	PUNCT
gujaf-87	276	9	&	&	CCONJ
gujaf-87	276	10	adeyinka	adeyinka	PROPN
gujaf-87	276	11	,	,	PUNCT
gujaf-87	276	12	s.	s.	PROPN
gujaf-87	276	13	(	(	PUNCT
gujaf-87	276	14	2013	2013	NUM
gujaf-87	276	15	)	)	PUNCT
gujaf-87	276	16	.	.	PUNCT
gujaf-87	277	1	capital	capital	NOUN
gujaf-87	277	2	adequacy	adequacy	NOUN
gujaf-87	277	3	ratio	ratio	NOUN
gujaf-87	277	4	and	and	CCONJ
gujaf-87	277	5	banks	bank	NOUN
gujaf-87	277	6	’	'	PUNCT
gujaf-87	277	7	profitability	profitability	NOUN
gujaf-87	277	8	:	:	PUNCT
gujaf-87	277	9	an	an	DET
gujaf-87	277	10	empirical	empirical	ADJ
gujaf-87	277	11	evidence	evidence	NOUN
gujaf-87	277	12	from	from	ADP
gujaf-87	277	13	nigeria	nigeria	PROPN
gujaf-87	277	14	.	.	PUNCT
gujaf-87	278	1	american	american	PROPN
gujaf-87	278	2	international	international	PROPN
gujaf-87	278	3	journal	journal	PROPN
gujaf-87	278	4	of	of	ADP
gujaf-87	278	5	contemporary	contemporary	PROPN
gujaf-87	278	6	research	research	PROPN
gujaf-87	278	7	,	,	PUNCT
gujaf-87	278	8	3(10	3(10	NUM
gujaf-87	278	9	)	)	PUNCT
gujaf-87	278	10	,	,	PUNCT
gujaf-87	278	11	87	87	NUM
gujaf-87	278	12	-	-	SYM
gujaf-87	278	13	93	93	NUM
gujaf-87	278	14	.	.	PUNCT
gujaf-87	279	1	olusegun	olusegun	PROPN
gujaf-87	279	2	,	,	PUNCT
gujaf-87	279	3	a.	a.	PROPN
gujaf-87	279	4	,	,	PUNCT
gujaf-87	279	5	samson	samson	PROPN
gujaf-87	279	6	,	,	PUNCT
gujaf-87	279	7	y.a	y.a	PROPN
gujaf-87	279	8	.	.	PROPN
gujaf-87	279	9	,	,	PUNCT
gujaf-87	279	10	taofeek	taofeek	NOUN
gujaf-87	279	11	,	,	PUNCT
gujaf-87	279	12	a.	a.	NOUN
gujaf-87	279	13	,	,	PUNCT
gujaf-87	279	14	&	&	CCONJ
gujaf-87	279	15	cole	cole	PROPN
gujaf-87	279	16	,	,	PUNCT
gujaf-87	279	17	a.	a.	NOUN
gujaf-87	279	18	(	(	PUNCT
gujaf-87	279	19	2015	2015	NUM
gujaf-87	279	20	)	)	PUNCT
gujaf-87	279	21	.	.	PUNCT
gujaf-87	280	1	credit	credit	NOUN
gujaf-87	280	2	risk	risk	NOUN
gujaf-87	280	3	management	management	NOUN
gujaf-87	280	4	and	and	CCONJ
gujaf-87	280	5	financial	financial	ADJ
gujaf-87	280	6	performance	performance	NOUN
gujaf-87	280	7	of	of	ADP
gujaf-87	280	8	elected	elect	VERB
gujaf-87	280	9	commercial	commercial	ADJ
gujaf-87	280	10	banks	bank	NOUN
gujaf-87	280	11	in	in	ADP
gujaf-87	280	12	nigeria	nigeria	PROPN
gujaf-87	280	13	.	.	PUNCT
gujaf-87	281	1	journal	journal	PROPN
gujaf-87	281	2	of	of	ADP
gujaf-87	281	3	economics	economic	NOUN
gujaf-87	281	4	and	and	CCONJ
gujaf-87	281	5	financial	financial	ADJ
gujaf-87	281	6	studies	study	NOUN
gujaf-87	281	7	,	,	PUNCT
gujaf-87	281	8	3(1	3(1	NUM
gujaf-87	281	9	)	)	PUNCT
gujaf-87	281	10	,	,	PUNCT
gujaf-87	281	11	1532	1532	NUM
gujaf-87	281	12	.	.	PUNCT
gujaf-87	282	1	https://doi.org/10.18533/jfs,v3i01.73	https://doi.org/10.18533/jfs,v3i01.73	NUM
gujaf-87	282	2	ozturk	ozturk	PROPN
gujaf-87	282	3	,	,	PUNCT
gujaf-87	282	4	m.	m.	NOUN
gujaf-87	282	5	,	,	PUNCT
gujaf-87	282	6	&	&	CCONJ
gujaf-87	282	7	aktan	aktan	PROPN
gujaf-87	282	8	,	,	PUNCT
gujaf-87	282	9	b.	b.	PROPN
gujaf-87	282	10	,	,	PUNCT
gujaf-87	282	11	2007	2007	NUM
gujaf-87	282	12	,	,	PUNCT
gujaf-87	282	13	the	the	DET
gujaf-87	282	14	new	new	ADJ
gujaf-87	282	15	basel	basel	PROPN
gujaf-87	282	16	capital	capital	PROPN
gujaf-87	282	17	accord	accord	NOUN
gujaf-87	282	18	:	:	PUNCT
gujaf-87	282	19	in	in	ADP
gujaf-87	282	20	search	search	NOUN
gujaf-87	282	21	of	of	ADP
gujaf-87	282	22	excellence	excellence	NOUN
gujaf-87	282	23	at	at	ADP
gujaf-87	282	24	bank	bank	PROPN
gujaf-87	282	25	risk	risk	NOUN
gujaf-87	282	26	management	management	NOUN
gujaf-87	282	27	.	.	PUNCT
gujaf-87	283	1	review	review	NOUN
gujaf-87	283	2	of	of	ADP
gujaf-87	283	3	social	social	ADJ
gujaf-87	283	4	,	,	PUNCT
gujaf-87	283	5	economic	economic	ADJ
gujaf-87	283	6	and	and	CCONJ
gujaf-87	283	7	business	business	NOUN
gujaf-87	283	8	studies	study	NOUN
gujaf-87	283	9	,	,	PUNCT
gujaf-87	283	10	7(8	7(8	NUM
gujaf-87	283	11	)	)	PUNCT
gujaf-87	283	12	,	,	PUNCT
gujaf-87	283	13	151	151	NUM
gujaf-87	283	14	-	-	SYM
gujaf-87	283	15	174	174	NUM
gujaf-87	283	16	.	.	PUNCT
gujaf-87	284	1	pandey	pandey	PROPN
gujaf-87	284	2	,	,	PUNCT
gujaf-87	284	3	i.m	i.m	PROPN
gujaf-87	284	4	(	(	PUNCT
gujaf-87	284	5	2004	2004	NUM
gujaf-87	284	6	)	)	PUNCT
gujaf-87	284	7	.	.	PUNCT
gujaf-87	285	1	financial	financial	ADJ
gujaf-87	285	2	management	management	NOUN
gujaf-87	285	3	.	.	PUNCT
gujaf-87	286	1	new	new	ADJ
gujaf-87	286	2	delhi	delhi	PROPN
gujaf-87	286	3	:	:	PUNCT
gujaf-87	286	4	vikas	vikas	PROPN
gujaf-87	286	5	publishing	publishing	PROPN
gujaf-87	286	6	house	house	PROPN
gujaf-87	286	7	.	.	PUNCT
gujaf-87	287	1	pvt	pvt	PROPN
gujaf-87	287	2	.	.	PUNCT
gujaf-87	288	1	https://sloanreview.mit.edu/article/your-customers-may-be-the-weakest-link-in	https://sloanreview.mit.edu/article/your-customers-may-be-the-weakest-link-in	ADJ
gujaf-87	288	2	13	13	NUM
gujaf-87	288	3	rajkumar	rajkumar	PROPN
gujaf-87	288	4	,	,	PUNCT
gujaf-87	288	5	p.	p.	NOUN
gujaf-87	288	6	,	,	PUNCT
gujaf-87	288	7	&	&	CCONJ
gujaf-87	288	8	hanitha	hanitha	PROPN
gujaf-87	288	9	,	,	PUNCT
gujaf-87	288	10	v.	v.	PROPN
gujaf-87	288	11	(	(	PUNCT
gujaf-87	288	12	2015	2015	NUM
gujaf-87	288	13	)	)	PUNCT
gujaf-87	288	14	.	.	PUNCT
gujaf-87	289	1	the	the	DET
gujaf-87	289	2	impact	impact	NOUN
gujaf-87	289	3	of	of	ADP
gujaf-87	289	4	credit	credit	NOUN
gujaf-87	289	5	risk	risk	NOUN
gujaf-87	289	6	management	management	NOUN
gujaf-87	289	7	on	on	ADP
gujaf-87	289	8	financial	financial	ADJ
gujaf-87	289	9	performance	performance	NOUN
gujaf-87	289	10	.	.	PUNCT
gujaf-87	290	1	a	a	DET
gujaf-87	290	2	study	study	NOUN
gujaf-87	290	3	of	of	ADP
gujaf-87	290	4	state	state	NOUN
gujaf-87	290	5	commercial	commercial	ADJ
gujaf-87	290	6	banks	bank	NOUN
gujaf-87	290	7	in	in	ADP
gujaf-87	290	8	sri	sri	PROPN
gujaf-87	290	9	lanka	lanka	PROPN
gujaf-87	290	10	.	.	PUNCT
gujaf-87	291	1	proceedings	proceeding	NOUN
gujaf-87	291	2	of	of	ADP
gujaf-87	291	3	the	the	DET
gujaf-87	291	4	international	international	ADJ
gujaf-87	291	5	conference	conference	NOUN
gujaf-87	291	6	on	on	ADP
gujaf-87	291	7	contemporary	contemporary	ADJ
gujaf-87	291	8	management	management	NOUN
gujaf-87	291	9	.	.	PUNCT
gujaf-87	292	1	https://ssrn.com/abtract=3070276	https://ssrn.com/abtract=3070276	PROPN
gujaf-87	292	2	rajan	rajan	PROPN
gujaf-87	292	3	,	,	PUNCT
gujaf-87	292	4	r.	r.	PROPN
gujaf-87	292	5	(	(	PUNCT
gujaf-87	292	6	2010	2010	NUM
gujaf-87	292	7	)	)	PUNCT
gujaf-87	292	8	.	.	PUNCT
gujaf-87	293	1	fault	fault	NOUN
gujaf-87	293	2	lines	line	NOUN
gujaf-87	293	3	:	:	PUNCT
gujaf-87	293	4	how	how	SCONJ
gujaf-87	293	5	hidden	hidden	ADJ
gujaf-87	293	6	fractures	fracture	NOUN
gujaf-87	293	7	still	still	ADV
gujaf-87	293	8	threaten	threaten	VERB
gujaf-87	293	9	the	the	DET
gujaf-87	293	10	world	world	NOUN
gujaf-87	293	11	economy	economy	NOUN
gujaf-87	293	12	.	.	PUNCT
gujaf-87	294	1	princeton	princeton	PROPN
gujaf-87	294	2	university	university	PROPN
gujaf-87	294	3	press	press	NOUN
gujaf-87	294	4	.	.	PUNCT
gujaf-87	295	1	ronald	ronald	PROPN
gujaf-87	295	2	,	,	PUNCT
gujaf-87	295	3	c.	c.	PROPN
gujaf-87	295	4	(	(	PUNCT
gujaf-87	295	5	1937	1937	NUM
gujaf-87	295	6	)	)	PUNCT
gujaf-87	295	7	.	.	PUNCT
gujaf-87	296	1	the	the	DET
gujaf-87	296	2	nature	nature	NOUN
gujaf-87	296	3	of	of	ADP
gujaf-87	296	4	the	the	DET
gujaf-87	296	5	firm.economica	firm.economica	PROPN
gujaf-87	296	6	,	,	PUNCT
gujaf-87	296	7	4(16	4(16	NUM
gujaf-87	296	8	)	)	PUNCT
gujaf-87	296	9	,	,	PUNCT
gujaf-87	296	10	386–405	386–405	NUM
gujaf-87	296	11	.	.	PUNCT
gujaf-87	297	1	sanusi	sanusi	PROPN
gujaf-87	297	2	,	,	PUNCT
gujaf-87	297	3	l.s	l.s	PROPN
gujaf-87	297	4	.	.	PROPN
gujaf-87	297	5	(	(	PUNCT
gujaf-87	297	6	2010	2010	NUM
gujaf-87	297	7	)	)	PUNCT
gujaf-87	297	8	.	.	PUNCT
gujaf-87	298	1	the	the	DET
gujaf-87	298	2	nigerian	nigerian	ADJ
gujaf-87	298	3	banking	banking	NOUN
gujaf-87	298	4	industry	industry	NOUN
gujaf-87	298	5	;	;	PUNCT
gujaf-87	298	6	what	what	PRON
gujaf-87	298	7	went	go	VERB
gujaf-87	298	8	wrong	wrong	ADJ
gujaf-87	298	9	and	and	CCONJ
gujaf-87	298	10	the	the	DET
gujaf-87	298	11	way	way	NOUN
gujaf-87	298	12	forward	forward	ADV
gujaf-87	298	13	?	?	PUNCT
gujaf-87	299	1	convocation	convocation	NOUN
gujaf-87	299	2	lecture	lecture	NOUN
gujaf-87	299	3	delivered	deliver	VERB
gujaf-87	299	4	at	at	ADP
gujaf-87	299	5	the	the	DET
gujaf-87	299	6	convocation	convocation	NOUN
gujaf-87	299	7	square	square	ADJ
gujaf-87	299	8	,	,	PUNCT
gujaf-87	299	9	bayero	bayero	PROPN
gujaf-87	299	10	university	university	PROPN
gujaf-87	299	11	,	,	PUNCT
gujaf-87	299	12	kano	kano	PROPN
gujaf-87	299	13	.	.	PUNCT
gujaf-87	300	1	http://www.cenbank.org/out/speeches/2010	http://www.cenbank.org/out/speeches/2010	PROPN
gujaf-87	300	2	.	.	PUNCT
gujaf-87	301	1	shoukat	shoukat	PROPN
gujaf-87	301	2	,	,	PUNCT
gujaf-87	301	3	m.	m.	NOUN
gujaf-87	301	4	m.	m.	NOUN
gujaf-87	301	5	,	,	PUNCT
gujaf-87	301	6	&	&	CCONJ
gujaf-87	301	7	nadeem	nadeem	PROPN
gujaf-87	301	8	,	,	PUNCT
gujaf-87	301	9	m.	m.	NOUN
gujaf-87	301	10	(	(	PUNCT
gujaf-87	301	11	2014	2014	NUM
gujaf-87	301	12	)	)	PUNCT
gujaf-87	301	13	.	.	PUNCT
gujaf-87	302	1	impact	impact	NOUN
gujaf-87	302	2	of	of	ADP
gujaf-87	302	3	corporate	corporate	ADJ
gujaf-87	302	4	social	social	ADJ
gujaf-87	302	5	responsibility	responsibility	NOUN
gujaf-87	302	6	on	on	ADP
gujaf-87	302	7	the	the	DET
gujaf-87	302	8	financial	financial	ADJ
gujaf-87	302	9	performance	performance	NOUN
gujaf-87	302	10	of	of	ADP
gujaf-87	302	11	banks	bank	NOUN
gujaf-87	302	12	in	in	ADP
gujaf-87	302	13	pakistan	pakistan	PROPN
gujaf-87	302	14	.	.	PUNCT
gujaf-87	303	1	international	international	ADJ
gujaf-87	303	2	letters	letter	NOUN
gujaf-87	303	3	of	of	ADP
gujaf-87	303	4	social	social	ADJ
gujaf-87	303	5	and	and	CCONJ
gujaf-87	303	6	humanistic	humanistic	ADJ
gujaf-87	303	7	sciences,21	sciences,21	NOUN
gujaf-87	303	8	,	,	PUNCT
gujaf-87	303	9	9	9	NUM
gujaf-87	303	10	-	-	SYM
gujaf-87	303	11	19	19	NUM
gujaf-87	303	12	.	.	PUNCT
gujaf-87	304	1	https://doi.org/10.18052/www.scipress.com/ilshs.21.9	https://doi.org/10.18052/www.scipress.com/ilshs.21.9	PROPN
gujaf-87	304	2	stephen	stephen	PROPN
gujaf-87	304	3	,	,	PUNCT
gujaf-87	304	4	m.w	m.w	PROPN
gujaf-87	304	5	.	.	PROPN
gujaf-87	304	6	,	,	PUNCT
gujaf-87	304	7	joel	joel	PROPN
gujaf-87	304	8	,	,	PUNCT
gujaf-87	304	9	g.w	g.w	PROPN
gujaf-87	304	10	.	.	PROPN
gujaf-87	304	11	,	,	PUNCT
gujaf-87	304	12	&	&	CCONJ
gujaf-87	304	13	james	james	PROPN
gujaf-87	304	14	,	,	PUNCT
gujaf-87	304	15	m.n	m.n	PROPN
gujaf-87	304	16	.	.	PROPN
gujaf-87	304	17	(	(	PUNCT
gujaf-87	304	18	2017	2017	NUM
gujaf-87	304	19	)	)	PUNCT
gujaf-87	304	20	.	.	PUNCT
gujaf-87	305	1	the	the	DET
gujaf-87	305	2	effect	effect	NOUN
gujaf-87	305	3	of	of	ADP
gujaf-87	305	4	financial	financial	ADJ
gujaf-87	305	5	risk	risk	NOUN
gujaf-87	305	6	management	management	NOUN
gujaf-87	305	7	on	on	ADP
gujaf-87	305	8	the	the	DET
gujaf-87	305	9	financial	financial	ADJ
gujaf-87	305	10	performance	performance	NOUN
gujaf-87	305	11	of	of	ADP
gujaf-87	305	12	commercial	commercial	ADJ
gujaf-87	305	13	banks	bank	NOUN
gujaf-87	305	14	in	in	ADP
gujaf-87	305	15	kenya	kenya	PROPN
gujaf-87	305	16	.	.	PUNCT
gujaf-87	306	1	international	international	ADJ
gujaf-87	306	2	journal	journal	PROPN
gujaf-87	306	3	of	of	ADP
gujaf-87	306	4	finance	finance	NOUN
gujaf-87	306	5	and	and	CCONJ
gujaf-87	306	6	banking	banking	NOUN
gujaf-87	306	7	research	research	NOUN
gujaf-87	306	8	,	,	PUNCT
gujaf-87	306	9	3(5	3(5	NUM
gujaf-87	306	10	)	)	PUNCT
gujaf-87	306	11	,	,	PUNCT
gujaf-87	306	12	70	70	NUM
gujaf-87	306	13	-	-	SYM
gujaf-87	306	14	81	81	NUM
gujaf-87	306	15	.	.	PUNCT
gujaf-87	307	1	taiwo	taiwo	NOUN
gujaf-87	307	2	,	,	PUNCT
gujaf-87	307	3	j.n	j.n	PROPN
gujaf-87	307	4	.	.	PROPN
gujaf-87	307	5	,	,	PUNCT
gujaf-87	307	6	achugamonu	achugamonu	PROPN
gujaf-87	307	7	,	,	PUNCT
gujaf-87	307	8	b.u	b.u	PROPN
gujaf-87	307	9	.	.	PROPN
gujaf-87	307	10	,	,	PUNCT
gujaf-87	307	11	&	&	CCONJ
gujaf-87	307	12	agwu	agwu	PROPN
gujaf-87	307	13	,	,	PUNCT
gujaf-87	307	14	m.e	m.e	PROPN
gujaf-87	307	15	.	.	PROPN
gujaf-87	307	16	(	(	PUNCT
gujaf-87	307	17	2017	2017	NUM
gujaf-87	307	18	)	)	PUNCT
gujaf-87	307	19	.	.	PUNCT
gujaf-87	308	1	foreign	foreign	ADJ
gujaf-87	308	2	direct	direct	ADJ
gujaf-87	308	3	investment	investment	NOUN
gujaf-87	308	4	:	:	PUNCT
gujaf-87	308	5	catalyst	catalyst	NOUN
gujaf-87	308	6	for	for	ADP
gujaf-87	308	7	sustainable	sustainable	ADJ
gujaf-87	308	8	economic	economic	ADJ
gujaf-87	308	9	development	development	NOUN
gujaf-87	308	10	in	in	ADP
gujaf-87	308	11	nigeria	nigeria	PROPN
gujaf-87	308	12	.	.	PUNCT
gujaf-87	309	1	saudi	saudi	ADJ
gujaf-87	309	2	journal	journal	PROPN
gujaf-87	309	3	of	of	ADP
gujaf-87	309	4	business	business	NOUN
gujaf-87	309	5	and	and	CCONJ
gujaf-87	309	6	management	management	NOUN
gujaf-87	309	7	studies	study	NOUN
gujaf-87	309	8	(	(	PUNCT
gujaf-87	309	9	sjbms	sjbms	NOUN
gujaf-87	309	10	)	)	PUNCT
gujaf-87	309	11	,	,	PUNCT
gujaf-87	309	12	2(2	2(2	NUM
gujaf-87	309	13	)	)	PUNCT
gujaf-87	309	14	,	,	PUNCT
gujaf-87	309	15	70	70	NUM
gujaf-87	309	16	-	-	SYM
gujaf-87	309	17	81	81	NUM
gujaf-87	309	18	.	.	PUNCT
gujaf-87	310	1	http://scholarsmepub.com/sjbms/	http://scholarsmepub.com/sjbms/	PROPN
gujaf-87	310	2	tanveer	tanveer	PROPN
gujaf-87	310	3	,	,	PUNCT
gujaf-87	310	4	b.	b.	PROPN
gujaf-87	310	5	,	,	PUNCT
gujaf-87	310	6	muhammad	muhammad	PROPN
gujaf-87	310	7	,	,	PUNCT
gujaf-87	310	8	a.k	a.k	PROPN
gujaf-87	310	9	.	.	PROPN
gujaf-87	310	10	,	,	PUNCT
gujaf-87	310	11	&	&	CCONJ
gujaf-87	310	12	sadaf	sadaf	PROPN
gujaf-87	310	13	,	,	PUNCT
gujaf-87	310	14	r.	r.	PROPN
gujaf-87	310	15	(	(	PUNCT
gujaf-87	310	16	2017	2017	NUM
gujaf-87	310	17	)	)	PUNCT
gujaf-87	310	18	.	.	PUNCT
gujaf-87	311	1	the	the	DET
gujaf-87	311	2	underlying	underlie	VERB
gujaf-87	311	3	impact	impact	NOUN
gujaf-87	311	4	of	of	ADP
gujaf-87	311	5	risk	risk	NOUN
gujaf-87	311	6	management	management	NOUN
gujaf-87	311	7	practices	practice	NOUN
gujaf-87	311	8	on	on	ADP
gujaf-87	311	9	banks	bank	NOUN
gujaf-87	311	10	financial	financial	ADJ
gujaf-87	311	11	performance	performance	NOUN
gujaf-87	311	12	:	:	PUNCT
gujaf-87	311	13	an	an	DET
gujaf-87	311	14	empirical	empirical	ADJ
gujaf-87	311	15	analysis	analysis	NOUN
gujaf-87	311	16	on	on	ADP
gujaf-87	311	17	financial	financial	ADJ
gujaf-87	311	18	sector	sector	NOUN
gujaf-87	311	19	of	of	ADP
gujaf-87	311	20	pakistan	pakistan	PROPN
gujaf-87	311	21	.	.	PUNCT
gujaf-87	312	1	international	international	ADJ
gujaf-87	312	2	journal	journal	PROPN
gujaf-87	312	3	of	of	ADP
gujaf-87	312	4	research	research	NOUN
gujaf-87	312	5	in	in	ADP
gujaf-87	312	6	business	business	NOUN
gujaf-87	312	7	studies	study	NOUN
gujaf-87	312	8	and	and	CCONJ
gujaf-87	312	9	management	management	NOUN
gujaf-87	312	10	4(7	4(7	NUM
gujaf-87	312	11	)	)	PUNCT
gujaf-87	312	12	,	,	PUNCT
gujaf-87	312	13	10	10	NUM
gujaf-87	312	14	-	-	SYM
gujaf-87	312	15	23	23	NUM
gujaf-87	312	16	.	.	PUNCT
gujaf-87	313	1	valencia	valencia	PROPN
gujaf-87	313	2	,	,	PUNCT
gujaf-87	313	3	f.	f.	PROPN
gujaf-87	313	4	(	(	PUNCT
gujaf-87	313	5	2010	2010	NUM
gujaf-87	313	6	)	)	PUNCT
gujaf-87	313	7	.	.	PUNCT
gujaf-87	314	1	bank	bank	NOUN
gujaf-87	314	2	capital	capital	NOUN
gujaf-87	314	3	and	and	CCONJ
gujaf-87	314	4	uncertainty	uncertainty	NOUN
gujaf-87	314	5	.	.	PUNCT
gujaf-87	315	1	international	international	ADJ
gujaf-87	315	2	monetary	monetary	ADJ
gujaf-87	315	3	fund	fund	PROPN
gujaf-87	315	4	working	working	PROPN
gujaf-87	315	5	paper	paper	NOUN
gujaf-87	315	6	research	research	NOUN
gujaf-87	315	7	,	,	PUNCT
gujaf-87	315	8	1	1	NUM
gujaf-87	315	9	-	-	SYM
gujaf-87	315	10	22	22	NUM
gujaf-87	315	11	.	.	PUNCT
gujaf-87	316	1	wadesango	wadesango	NOUN
gujaf-87	316	2	,	,	PUNCT
gujaf-87	316	3	n.	n.	NOUN
gujaf-87	316	4	,	,	PUNCT
gujaf-87	316	5	mhaka	mhaka	PROPN
gujaf-87	316	6	,	,	PUNCT
gujaf-87	316	7	c.	c.	PROPN
gujaf-87	316	8	,	,	PUNCT
gujaf-87	316	9	shava	shava	NOUN
gujaf-87	316	10	,	,	PUNCT
gujaf-87	316	11	f.	f.	PROPN
gujaf-87	316	12	,	,	PUNCT
gujaf-87	316	13	&	&	CCONJ
gujaf-87	316	14	wadesango	wadesango	NOUN
gujaf-87	316	15	,	,	PUNCT
gujaf-87	316	16	o.	o.	NOUN
gujaf-87	316	17	(	(	PUNCT
gujaf-87	316	18	2018	2018	NUM
gujaf-87	316	19	)	)	PUNCT
gujaf-87	316	20	.	.	PUNCT
gujaf-87	317	1	risk	risk	NOUN
gujaf-87	317	2	management	management	NOUN
gujaf-87	317	3	systems	system	NOUN
gujaf-87	317	4	on	on	ADP
gujaf-87	317	5	financial	financial	ADJ
gujaf-87	317	6	performance	performance	NOUN
gujaf-87	317	7	in	in	ADP
gujaf-87	317	8	a	a	DET
gujaf-87	317	9	public	public	ADJ
gujaf-87	317	10	setting	setting	NOUN
gujaf-87	317	11	.	.	PUNCT
gujaf-87	318	1	academy	academy	NOUN
gujaf-87	318	2	of	of	ADP
gujaf-87	318	3	strategic	strategic	ADJ
gujaf-87	318	4	management	management	NOUN
gujaf-87	318	5	journal	journal	NOUN
gujaf-87	318	6	,	,	PUNCT
gujaf-87	318	7	17(4	17(4	NUM
gujaf-87	318	8	)	)	PUNCT
gujaf-87	318	9	,	,	PUNCT
gujaf-87	318	10	1	1	NUM
gujaf-87	318	11	-	-	SYM
gujaf-87	318	12	12	12	NUM
gujaf-87	318	13	.	.	PUNCT
gujaf-87	319	1	yamane	yamane	PROPN
gujaf-87	319	2	,	,	PUNCT
gujaf-87	319	3	t.	t.	PROPN
gujaf-87	319	4	(	(	PUNCT
gujaf-87	319	5	1967	1967	NUM
gujaf-87	319	6	)	)	PUNCT
gujaf-87	319	7	.	.	PUNCT
gujaf-87	320	1	statistics	statistic	NOUN
gujaf-87	320	2	,	,	PUNCT
gujaf-87	320	3	an	an	DET
gujaf-87	320	4	introduction	introduction	NOUN
gujaf-87	320	5	analysis	analysis	NOUN
gujaf-87	320	6	.	.	PUNCT
gujaf-87	321	1	2	2	NUM
gujaf-87	321	2	nd	nd	NUM
gujaf-87	321	3	ed	ed	NOUN
gujaf-87	321	4	.	.	PUNCT
gujaf-87	321	5	,	,	PUNCT
gujaf-87	321	6	hamper	hamper	NOUN
gujaf-87	321	7	and	and	CCONJ
gujaf-87	321	8	row	row	NOUN
gujaf-87	321	9	.	.	PUNCT
gujaf-87	322	1	yimka	yimka	PROPN
gujaf-87	322	2	,	,	PUNCT
gujaf-87	322	3	a.s	a.s	PROPN
gujaf-87	322	4	.	.	PROPN
gujaf-87	322	5	,	,	PUNCT
gujaf-87	322	6	taofeek	taofeek	NOUN
gujaf-87	322	7	,	,	PUNCT
gujaf-87	322	8	a.	a.	NOUN
gujaf-87	322	9	,	,	PUNCT
gujaf-87	322	10	abimbola	abimbola	PROPN
gujaf-87	322	11	,	,	PUNCT
gujaf-87	322	12	c.	c.	PROPN
gujaf-87	322	13	,	,	PUNCT
gujaf-87	322	14	&	&	CCONJ
gujaf-87	322	15	olusegun	olusegun	PROPN
gujaf-87	322	16	,	,	PUNCT
gujaf-87	322	17	a.	a.	NOUN
gujaf-87	322	18	(	(	PUNCT
gujaf-87	322	19	2015	2015	NUM
gujaf-87	322	20	)	)	PUNCT
gujaf-87	322	21	.	.	PUNCT
gujaf-87	323	1	credit	credit	NOUN
gujaf-87	323	2	risk	risk	NOUN
gujaf-87	323	3	management	management	NOUN
gujaf-87	323	4	and	and	CCONJ
gujaf-87	323	5	financial	financial	ADJ
gujaf-87	323	6	performance	performance	NOUN
gujaf-87	323	7	of	of	ADP
gujaf-87	323	8	commercial	commercial	ADJ
gujaf-87	323	9	banks	bank	NOUN
gujaf-87	323	10	in	in	ADP
gujaf-87	323	11	nigeria	nigeria	PROPN
gujaf-87	323	12	.	.	PUNCT
gujaf-87	324	1	journal	journal	PROPN
gujaf-87	324	2	of	of	ADP
gujaf-87	324	3	economic	economic	ADJ
gujaf-87	324	4	and	and	CCONJ
gujaf-87	324	5	financial	financial	ADJ
gujaf-87	324	6	studies	study	NOUN
gujaf-87	324	7	,	,	PUNCT
gujaf-87	324	8	3(1	3(1	NUM
gujaf-87	324	9	)	)	PUNCT
gujaf-87	324	10	,	,	PUNCT
gujaf-87	324	11	1	1	NUM
gujaf-87	324	12	-	-	SYM
gujaf-87	324	13	9	9	NUM
gujaf-87	324	14	,	,	PUNCT
gujaf-87	324	15	doi	doi	NOUN
gujaf-87	324	16	:	:	PUNCT
gujaf-87	324	17	10.18533	10.18533	NUM
gujaf-87	324	18	/	/	SYM
gujaf-87	324	19	jefs.v3i01.73	jefs.v3i01.73	PROPN
gujaf-87	324	20	https://ssrn.com/abtract=3070276	https://ssrn.com/abtract=3070276	PROPN
gujaf-87	324	21	http://www.cenbank.org/out/speeches/2010	http://www.cenbank.org/out/speeches/2010	PROPN
gujaf-87	324	22	http://scholarsmepub.com/sjbms/	http://scholarsmepub.com/sjbms/	PROPN
gujaf-87	325	1	https://www.researchgate.net/deref/http%3a%2f%2fdx.doi.org%2f10.18533%2fjefs.v3i01.73	https://www.researchgate.net/deref/http%3a%2f%2fdx.doi.org%2f10.18533%2fjefs.v3i01.73	PROPN
gujaf-87	325	2	14	14	NUM