id	sid	tid	token	lemma	pos
hassl-3213	1	1	606	606	NUM
hassl-3213	1	2	©	©	PROPN
hassl-3213	1	3	2022	2022	NUM
hassl-3213	1	4	conscientia	conscientia	PROPN
hassl-3213	1	5	beam	beam	PROPN
hassl-3213	1	6	.	.	PUNCT
hassl-3213	2	1	all	all	DET
hassl-3213	2	2	rights	right	NOUN
hassl-3213	2	3	reserved	reserve	VERB
hassl-3213	2	4	.	.	PUNCT
hassl-3213	3	1	the	the	DET
hassl-3213	3	2	state	state	NOUN
hassl-3213	3	3	of	of	ADP
hassl-3213	3	4	competitiveness	competitiveness	NOUN
hassl-3213	3	5	in	in	ADP
hassl-3213	3	6	kuwait	kuwait	PROPN
hassl-3213	3	7	banking	banking	NOUN
hassl-3213	3	8	sector	sector	NOUN
hassl-3213	3	9	mohammad	mohammad	PROPN
hassl-3213	3	10	alawin1	alawin1	PROPN
hassl-3213	3	11	+	+	CCONJ
hassl-3213	3	12	anwar	anwar	PROPN
hassl-3213	3	13	al	al	PROPN
hassl-3213	3	14	-	-	PUNCT
hassl-3213	3	15	shriaan2	shriaan2	PROPN
hassl-3213	4	1	ebrahim	ebrahim	PROPN
hassl-3213	4	2	merza3	merza3	VERB
hassl-3213	4	3	1,2,3economics	1,2,3economics	NUM
hassl-3213	4	4	department	department	NOUN
hassl-3213	4	5	,	,	PUNCT
hassl-3213	4	6	kuwait	kuwait	PROPN
hassl-3213	4	7	university	university	PROPN
hassl-3213	4	8	,	,	PUNCT
hassl-3213	4	9	kuwait	kuwait	PROPN
hassl-3213	4	10	.	.	PUNCT
hassl-3213	5	1	1email	1email	NUM
hassl-3213	5	2	:	:	PUNCT
hassl-3213	5	3	mohammad.alawin@ku.edu.kw	mohammad.alawin@ku.edu.kw	ADJ
hassl-3213	6	1	2email	2email	NUM
hassl-3213	6	2	:	:	PUNCT
hassl-3213	6	3	dr.alshriaan@ku.edu.kw	dr.alshriaan@ku.edu.kw	VERB
hassl-3213	6	4	3email	3email	NUM
hassl-3213	6	5	:	:	PUNCT
hassl-3213	6	6	ebrahim.merza@ku.edu.kw	ebrahim.merza@ku.edu.kw	NOUN
hassl-3213	6	7	(	(	PUNCT
hassl-3213	6	8	+	+	CCONJ
hassl-3213	6	9	corresponding	correspond	VERB
hassl-3213	6	10	author	author	NOUN
hassl-3213	6	11	)	)	PUNCT
hassl-3213	6	12	abstract	abstract	ADJ
hassl-3213	6	13	article	article	NOUN
hassl-3213	6	14	history	history	NOUN
hassl-3213	6	15	received	receive	VERB
hassl-3213	6	16	:	:	PUNCT
hassl-3213	6	17	22	22	NUM
hassl-3213	6	18	august	august	PROPN
hassl-3213	6	19	2022	2022	NUM
hassl-3213	6	20	revised	revise	VERB
hassl-3213	6	21	:	:	PUNCT
hassl-3213	6	22	19	19	NUM
hassl-3213	6	23	october	october	PROPN
hassl-3213	6	24	2022	2022	NUM
hassl-3213	6	25	accepted	accept	VERB
hassl-3213	6	26	:	:	PUNCT
hassl-3213	6	27	4	4	NUM
hassl-3213	6	28	november	november	NOUN
hassl-3213	6	29	2022	2022	NUM
hassl-3213	6	30	published	publish	VERB
hassl-3213	6	31	:	:	PUNCT
hassl-3213	6	32	30	30	NUM
hassl-3213	6	33	november	november	NOUN
hassl-3213	6	34	2022	2022	NUM
hassl-3213	6	35	keywords	keyword	NOUN
hassl-3213	6	36	banking	banking	NOUN
hassl-3213	6	37	sector	sector	NOUN
hassl-3213	6	38	competitive	competitive	ADJ
hassl-3213	6	39	condition	condition	NOUN
hassl-3213	6	40	h	h	PROPN
hassl-3213	6	41	statistic	statistic	PROPN
hassl-3213	6	42	kuwait	kuwait	PROPN
hassl-3213	6	43	market	market	NOUN
hassl-3213	6	44	structure	structure	NOUN
hassl-3213	6	45	panel	panel	NOUN
hassl-3213	6	46	data	data	PROPN
hassl-3213	6	47	.	.	PUNCT
hassl-3213	7	1	jel	jel	PROPN
hassl-3213	7	2	classification	classification	NOUN
hassl-3213	7	3	d40	d40	NOUN
hassl-3213	7	4	;	;	PUNCT
hassl-3213	7	5	g21	g21	PROPN
hassl-3213	7	6	;	;	PUNCT
hassl-3213	7	7	l1	l1	PROPN
hassl-3213	7	8	.	.	PUNCT
hassl-3213	8	1	the	the	DET
hassl-3213	8	2	aim	aim	NOUN
hassl-3213	8	3	of	of	ADP
hassl-3213	8	4	this	this	DET
hassl-3213	8	5	study	study	NOUN
hassl-3213	8	6	is	be	AUX
hassl-3213	8	7	to	to	PART
hassl-3213	8	8	examine	examine	VERB
hassl-3213	8	9	the	the	DET
hassl-3213	8	10	competitiveness	competitiveness	NOUN
hassl-3213	8	11	in	in	ADP
hassl-3213	8	12	the	the	DET
hassl-3213	8	13	kuwaiti	kuwaiti	PROPN
hassl-3213	8	14	banking	banking	NOUN
hassl-3213	8	15	sector	sector	NOUN
hassl-3213	8	16	for	for	ADP
hassl-3213	8	17	the	the	DET
hassl-3213	8	18	period	period	NOUN
hassl-3213	8	19	2010	2010	NUM
hassl-3213	8	20	2020	2020	NUM
hassl-3213	8	21	.	.	PUNCT
hassl-3213	9	1	the	the	DET
hassl-3213	9	2	methodology	methodology	NOUN
hassl-3213	9	3	of	of	ADP
hassl-3213	9	4	study	study	NOUN
hassl-3213	9	5	assessed	assess	VERB
hassl-3213	9	6	the	the	DET
hassl-3213	9	7	degree	degree	NOUN
hassl-3213	9	8	of	of	ADP
hassl-3213	9	9	competition	competition	NOUN
hassl-3213	9	10	among	among	ADP
hassl-3213	9	11	nine	nine	NUM
hassl-3213	9	12	national	national	ADJ
hassl-3213	9	13	kuwaiti	kuwaiti	PROPN
hassl-3213	9	14	banks	bank	NOUN
hassl-3213	9	15	using	use	VERB
hassl-3213	9	16	the	the	DET
hassl-3213	9	17	panzar	panzar	NOUN
hassl-3213	9	18	and	and	CCONJ
hassl-3213	9	19	rosse	rosse	PROPN
hassl-3213	9	20	model	model	NOUN
hassl-3213	9	21	,	,	PUNCT
hassl-3213	9	22	or	or	CCONJ
hassl-3213	9	23	the	the	DET
hassl-3213	9	24	h	h	NOUN
hassl-3213	9	25	statistic	statistic	PROPN
hassl-3213	9	26	approach	approach	NOUN
hassl-3213	9	27	.	.	PUNCT
hassl-3213	10	1	the	the	DET
hassl-3213	10	2	study	study	NOUN
hassl-3213	10	3	assessed	assess	VERB
hassl-3213	10	4	how	how	SCONJ
hassl-3213	10	5	close	close	ADJ
hassl-3213	10	6	the	the	DET
hassl-3213	10	7	banking	banking	NOUN
hassl-3213	10	8	sector	sector	NOUN
hassl-3213	10	9	in	in	ADP
hassl-3213	10	10	kuwait	kuwait	PROPN
hassl-3213	10	11	is	be	AUX
hassl-3213	10	12	to	to	PART
hassl-3213	10	13	perfect	perfect	VERB
hassl-3213	10	14	competition	competition	NOUN
hassl-3213	10	15	.	.	PUNCT
hassl-3213	11	1	it	it	PRON
hassl-3213	11	2	built	build	VERB
hassl-3213	11	3	a	a	DET
hassl-3213	11	4	model	model	NOUN
hassl-3213	11	5	for	for	ADP
hassl-3213	11	6	the	the	DET
hassl-3213	11	7	revenues	revenue	NOUN
hassl-3213	11	8	of	of	ADP
hassl-3213	11	9	the	the	DET
hassl-3213	11	10	banking	banking	NOUN
hassl-3213	11	11	sector	sector	NOUN
hassl-3213	11	12	in	in	ADP
hassl-3213	11	13	kuwait	kuwait	PROPN
hassl-3213	11	14	.	.	PUNCT
hassl-3213	12	1	the	the	DET
hassl-3213	12	2	model	model	NOUN
hassl-3213	12	3	considered	consider	VERB
hassl-3213	12	4	various	various	ADJ
hassl-3213	12	5	specifications	specification	NOUN
hassl-3213	12	6	that	that	PRON
hassl-3213	12	7	affect	affect	VERB
hassl-3213	12	8	the	the	DET
hassl-3213	12	9	banking	banking	NOUN
hassl-3213	12	10	sector	sector	NOUN
hassl-3213	12	11	’s	’s	PART
hassl-3213	12	12	performance	performance	NOUN
hassl-3213	12	13	like	like	ADP
hassl-3213	12	14	revenues	revenue	NOUN
hassl-3213	12	15	,	,	PUNCT
hassl-3213	12	16	risk	risk	NOUN
hassl-3213	12	17	,	,	PUNCT
hassl-3213	12	18	deposits	deposit	NOUN
hassl-3213	12	19	,	,	PUNCT
hassl-3213	12	20	and	and	CCONJ
hassl-3213	12	21	bank	bank	NOUN
hassl-3213	12	22	size	size	NOUN
hassl-3213	12	23	.	.	PUNCT
hassl-3213	13	1	in	in	ADP
hassl-3213	13	2	addition	addition	NOUN
hassl-3213	13	3	,	,	PUNCT
hassl-3213	13	4	this	this	DET
hassl-3213	13	5	study	study	NOUN
hassl-3213	13	6	analyzed	analyze	VERB
hassl-3213	13	7	the	the	DET
hassl-3213	13	8	major	major	ADJ
hassl-3213	13	9	factors	factor	NOUN
hassl-3213	13	10	affecting	affect	VERB
hassl-3213	13	11	this	this	DET
hassl-3213	13	12	sector	sector	NOUN
hassl-3213	13	13	’s	’s	PART
hassl-3213	13	14	performance	performance	NOUN
hassl-3213	13	15	.	.	PUNCT
hassl-3213	14	1	using	use	VERB
hassl-3213	14	2	the	the	DET
hassl-3213	14	3	panel	panel	NOUN
hassl-3213	14	4	data	datum	NOUN
hassl-3213	14	5	methodology	methodology	NOUN
hassl-3213	14	6	of	of	ADP
hassl-3213	14	7	estimation	estimation	NOUN
hassl-3213	14	8	,	,	PUNCT
hassl-3213	14	9	the	the	DET
hassl-3213	14	10	results	result	NOUN
hassl-3213	14	11	revealed	reveal	VERB
hassl-3213	14	12	that	that	SCONJ
hassl-3213	14	13	the	the	DET
hassl-3213	14	14	market	market	NOUN
hassl-3213	14	15	structure	structure	NOUN
hassl-3213	14	16	for	for	ADP
hassl-3213	14	17	the	the	DET
hassl-3213	14	18	banking	banking	NOUN
hassl-3213	14	19	sector	sector	NOUN
hassl-3213	14	20	in	in	ADP
hassl-3213	14	21	kuwait	kuwait	PROPN
hassl-3213	14	22	is	be	AUX
hassl-3213	14	23	close	close	ADJ
hassl-3213	14	24	to	to	ADP
hassl-3213	14	25	monopolistic	monopolistic	ADJ
hassl-3213	14	26	competition	competition	NOUN
hassl-3213	14	27	.	.	PUNCT
hassl-3213	15	1	though	though	SCONJ
hassl-3213	15	2	the	the	DET
hassl-3213	15	3	banking	banking	NOUN
hassl-3213	15	4	sector	sector	NOUN
hassl-3213	15	5	in	in	ADP
hassl-3213	15	6	kuwait	kuwait	PROPN
hassl-3213	15	7	is	be	AUX
hassl-3213	15	8	still	still	ADV
hassl-3213	15	9	in	in	ADP
hassl-3213	15	10	its	its	PRON
hassl-3213	15	11	development	development	NOUN
hassl-3213	15	12	stages	stage	NOUN
hassl-3213	15	13	,	,	PUNCT
hassl-3213	15	14	the	the	DET
hassl-3213	15	15	results	result	NOUN
hassl-3213	15	16	provided	provide	VERB
hassl-3213	15	17	a	a	DET
hassl-3213	15	18	signal	signal	NOUN
hassl-3213	15	19	to	to	ADP
hassl-3213	15	20	policy	policy	NOUN
hassl-3213	15	21	makers	maker	NOUN
hassl-3213	15	22	regarding	regard	VERB
hassl-3213	15	23	their	their	PRON
hassl-3213	15	24	policies	policy	NOUN
hassl-3213	15	25	.	.	PUNCT
hassl-3213	16	1	one	one	NUM
hassl-3213	16	2	main	main	ADJ
hassl-3213	16	3	implication	implication	NOUN
hassl-3213	16	4	of	of	ADP
hassl-3213	16	5	the	the	DET
hassl-3213	16	6	study	study	NOUN
hassl-3213	16	7	is	be	AUX
hassl-3213	16	8	to	to	PART
hassl-3213	16	9	keep	keep	VERB
hassl-3213	16	10	strong	strong	ADJ
hassl-3213	16	11	competition	competition	NOUN
hassl-3213	16	12	among	among	ADP
hassl-3213	16	13	banks	bank	NOUN
hassl-3213	16	14	which	which	PRON
hassl-3213	16	15	requires	require	VERB
hassl-3213	16	16	maintaining	maintain	VERB
hassl-3213	16	17	the	the	DET
hassl-3213	16	18	stability	stability	NOUN
hassl-3213	16	19	within	within	ADP
hassl-3213	16	20	the	the	DET
hassl-3213	16	21	banking	banking	NOUN
hassl-3213	16	22	system	system	NOUN
hassl-3213	16	23	.	.	PUNCT
hassl-3213	17	1	contribution	contribution	NOUN
hassl-3213	17	2	/	/	SYM
hassl-3213	17	3	originality	originality	NOUN
hassl-3213	17	4	:	:	PUNCT
hassl-3213	17	5	this	this	DET
hassl-3213	17	6	research	research	NOUN
hassl-3213	17	7	contributes	contribute	VERB
hassl-3213	17	8	by	by	ADP
hassl-3213	17	9	evaluating	evaluate	VERB
hassl-3213	17	10	the	the	DET
hassl-3213	17	11	degree	degree	NOUN
hassl-3213	17	12	of	of	ADP
hassl-3213	17	13	competitiveness	competitiveness	NOUN
hassl-3213	17	14	of	of	ADP
hassl-3213	17	15	the	the	DET
hassl-3213	17	16	kuwaiti	kuwaiti	PROPN
hassl-3213	17	17	banking	banking	NOUN
hassl-3213	17	18	sector	sector	NOUN
hassl-3213	17	19	,	,	PUNCT
hassl-3213	17	20	using	use	VERB
hassl-3213	17	21	the	the	DET
hassl-3213	17	22	panzar	panzar	NOUN
hassl-3213	17	23	-	-	PUNCT
hassl-3213	17	24	rosse	rosse	NOUN
hassl-3213	17	25	model	model	NOUN
hassl-3213	17	26	or	or	CCONJ
hassl-3213	17	27	the	the	DET
hassl-3213	17	28	h	h	NOUN
hassl-3213	17	29	-	-	PUNCT
hassl-3213	17	30	statistic	statistic	ADJ
hassl-3213	17	31	approach	approach	NOUN
hassl-3213	17	32	.	.	PUNCT
hassl-3213	18	1	in	in	ADP
hassl-3213	18	2	particular	particular	ADJ
hassl-3213	18	3	,	,	PUNCT
hassl-3213	18	4	the	the	DET
hassl-3213	18	5	study	study	NOUN
hassl-3213	18	6	assessed	assess	VERB
hassl-3213	18	7	how	how	SCONJ
hassl-3213	18	8	close	close	ADJ
hassl-3213	18	9	the	the	DET
hassl-3213	18	10	banking	banking	NOUN
hassl-3213	18	11	sector	sector	NOUN
hassl-3213	18	12	in	in	ADP
hassl-3213	18	13	kuwait	kuwait	PROPN
hassl-3213	18	14	was	be	AUX
hassl-3213	18	15	to	to	PART
hassl-3213	18	16	perfect	perfect	VERB
hassl-3213	18	17	competition	competition	NOUN
hassl-3213	18	18	,	,	PUNCT
hassl-3213	18	19	considering	consider	VERB
hassl-3213	18	20	various	various	ADJ
hassl-3213	18	21	variables	variable	NOUN
hassl-3213	18	22	that	that	PRON
hassl-3213	18	23	affect	affect	VERB
hassl-3213	18	24	the	the	DET
hassl-3213	18	25	banking	banking	NOUN
hassl-3213	18	26	sector	sector	NOUN
hassl-3213	18	27	’s	’s	PART
hassl-3213	18	28	performance	performance	NOUN
hassl-3213	18	29	.	.	PUNCT
hassl-3213	19	1	1	1	X
hassl-3213	19	2	.	.	X
hassl-3213	19	3	introduction	introduction	NOUN
hassl-3213	19	4	the	the	DET
hassl-3213	19	5	banking	banking	NOUN
hassl-3213	19	6	sector	sector	NOUN
hassl-3213	19	7	in	in	ADP
hassl-3213	19	8	kuwait	kuwait	PROPN
hassl-3213	19	9	had	have	AUX
hassl-3213	19	10	witnessed	witness	VERB
hassl-3213	19	11	huge	huge	ADJ
hassl-3213	19	12	changes	change	NOUN
hassl-3213	19	13	that	that	PRON
hassl-3213	19	14	were	be	AUX
hassl-3213	19	15	expected	expect	VERB
hassl-3213	19	16	to	to	PART
hassl-3213	19	17	have	have	VERB
hassl-3213	19	18	major	major	ADJ
hassl-3213	19	19	impacts	impact	NOUN
hassl-3213	19	20	on	on	ADP
hassl-3213	19	21	the	the	DET
hassl-3213	19	22	banks	bank	NOUN
hassl-3213	19	23	’	'	PUNCT
hassl-3213	19	24	structures	structure	NOUN
hassl-3213	19	25	.	.	PUNCT
hassl-3213	20	1	the	the	DET
hassl-3213	20	2	banking	banking	NOUN
hassl-3213	20	3	sector	sector	NOUN
hassl-3213	20	4	in	in	ADP
hassl-3213	20	5	kuwait	kuwait	PROPN
hassl-3213	20	6	consists	consist	VERB
hassl-3213	20	7	of	of	ADP
hassl-3213	20	8	domestic	domestic	ADJ
hassl-3213	20	9	and	and	CCONJ
hassl-3213	20	10	foreign	foreign	ADJ
hassl-3213	20	11	banks	bank	NOUN
hassl-3213	20	12	,	,	PUNCT
hassl-3213	20	13	in	in	ADP
hassl-3213	20	14	addition	addition	NOUN
hassl-3213	20	15	to	to	ADP
hassl-3213	20	16	islamic	islamic	ADJ
hassl-3213	20	17	and	and	CCONJ
hassl-3213	20	18	commercial	commercial	ADJ
hassl-3213	20	19	banks	bank	NOUN
hassl-3213	20	20	.	.	PUNCT
hassl-3213	21	1	this	this	DET
hassl-3213	21	2	diversity	diversity	NOUN
hassl-3213	21	3	is	be	AUX
hassl-3213	21	4	expected	expect	VERB
hassl-3213	21	5	to	to	PART
hassl-3213	21	6	increase	increase	VERB
hassl-3213	21	7	the	the	DET
hassl-3213	21	8	competition	competition	NOUN
hassl-3213	21	9	among	among	ADP
hassl-3213	21	10	these	these	DET
hassl-3213	21	11	banks	bank	NOUN
hassl-3213	21	12	.	.	PUNCT
hassl-3213	22	1	therefore	therefore	ADV
hassl-3213	22	2	,	,	PUNCT
hassl-3213	22	3	it	it	PRON
hassl-3213	22	4	would	would	AUX
hassl-3213	22	5	be	be	AUX
hassl-3213	22	6	of	of	ADP
hassl-3213	22	7	interest	interest	NOUN
hassl-3213	22	8	to	to	PART
hassl-3213	22	9	study	study	VERB
hassl-3213	22	10	the	the	DET
hassl-3213	22	11	effect	effect	NOUN
hassl-3213	22	12	of	of	ADP
hassl-3213	22	13	this	this	DET
hassl-3213	22	14	progress	progress	NOUN
hassl-3213	22	15	on	on	ADP
hassl-3213	22	16	banks	bank	NOUN
hassl-3213	22	17	’	'	PUNCT
hassl-3213	22	18	activities	activity	NOUN
hassl-3213	22	19	.	.	PUNCT
hassl-3213	23	1	there	there	PRON
hassl-3213	23	2	are	be	VERB
hassl-3213	23	3	four	four	NUM
hassl-3213	23	4	different	different	ADJ
hassl-3213	23	5	market	market	NOUN
hassl-3213	23	6	structures	structure	NOUN
hassl-3213	23	7	which	which	PRON
hassl-3213	23	8	any	any	DET
hassl-3213	23	9	industry	industry	NOUN
hassl-3213	23	10	can	can	AUX
hassl-3213	23	11	face	face	VERB
hassl-3213	23	12	.	.	PUNCT
hassl-3213	24	1	these	these	DET
hassl-3213	24	2	market	market	NOUN
hassl-3213	24	3	structures	structure	NOUN
hassl-3213	24	4	are	be	AUX
hassl-3213	24	5	:	:	PUNCT
hassl-3213	24	6	perfect	perfect	ADJ
hassl-3213	24	7	competition	competition	NOUN
hassl-3213	24	8	,	,	PUNCT
hassl-3213	24	9	monopolistic	monopolistic	ADJ
hassl-3213	24	10	competition	competition	NOUN
hassl-3213	24	11	,	,	PUNCT
hassl-3213	24	12	oligopoly	oligopoly	NOUN
hassl-3213	24	13	,	,	PUNCT
hassl-3213	24	14	or	or	CCONJ
hassl-3213	24	15	monopoly	monopoly	NOUN
hassl-3213	24	16	.	.	PUNCT
hassl-3213	25	1	these	these	DET
hassl-3213	25	2	markets	market	NOUN
hassl-3213	25	3	rank	rank	VERB
hassl-3213	25	4	or	or	CCONJ
hassl-3213	25	5	differ	differ	VERB
hassl-3213	25	6	in	in	ADP
hassl-3213	25	7	the	the	DET
hassl-3213	25	8	degree	degree	NOUN
hassl-3213	25	9	of	of	ADP
hassl-3213	25	10	competition	competition	NOUN
hassl-3213	25	11	according	accord	VERB
hassl-3213	25	12	to	to	ADP
hassl-3213	25	13	a	a	DET
hassl-3213	25	14	number	number	NOUN
hassl-3213	25	15	of	of	ADP
hassl-3213	25	16	features	feature	NOUN
hassl-3213	25	17	like	like	VERB
hassl-3213	25	18	,	,	PUNCT
hassl-3213	25	19	the	the	DET
hassl-3213	25	20	number	number	NOUN
hassl-3213	25	21	of	of	ADP
hassl-3213	25	22	producers	producer	NOUN
hassl-3213	25	23	,	,	PUNCT
hassl-3213	25	24	the	the	DET
hassl-3213	25	25	homogeneity	homogeneity	NOUN
hassl-3213	25	26	of	of	ADP
hassl-3213	25	27	the	the	DET
hassl-3213	25	28	good	good	NOUN
hassl-3213	25	29	,	,	PUNCT
hassl-3213	25	30	and	and	CCONJ
hassl-3213	25	31	the	the	DET
hassl-3213	25	32	degree	degree	NOUN
hassl-3213	25	33	by	by	ADP
hassl-3213	25	34	which	which	PRON
hassl-3213	25	35	a	a	DET
hassl-3213	25	36	company	company	NOUN
hassl-3213	25	37	can	can	AUX
hassl-3213	25	38	enter	enter	VERB
hassl-3213	25	39	and	and	CCONJ
hassl-3213	25	40	exit	exit	VERB
hassl-3213	25	41	the	the	DET
hassl-3213	25	42	market	market	NOUN
hassl-3213	25	43	.	.	PUNCT
hassl-3213	26	1	therefore	therefore	ADV
hassl-3213	26	2	,	,	PUNCT
hassl-3213	26	3	in	in	ADP
hassl-3213	26	4	order	order	NOUN
hassl-3213	26	5	to	to	PART
hassl-3213	26	6	recognize	recognize	VERB
hassl-3213	26	7	the	the	DET
hassl-3213	26	8	level	level	NOUN
hassl-3213	26	9	of	of	ADP
hassl-3213	26	10	competition	competition	NOUN
hassl-3213	26	11	in	in	ADP
hassl-3213	26	12	the	the	DET
hassl-3213	26	13	banking	banking	NOUN
hassl-3213	26	14	industry	industry	NOUN
hassl-3213	26	15	in	in	ADP
hassl-3213	26	16	kuwait	kuwait	PROPN
hassl-3213	26	17	,	,	PUNCT
hassl-3213	26	18	it	it	PRON
hassl-3213	26	19	is	be	AUX
hassl-3213	26	20	very	very	ADV
hassl-3213	26	21	important	important	ADJ
hassl-3213	26	22	to	to	PART
hassl-3213	26	23	examine	examine	VERB
hassl-3213	26	24	the	the	DET
hassl-3213	26	25	type	type	NOUN
hassl-3213	26	26	of	of	ADP
hassl-3213	26	27	the	the	DET
hassl-3213	26	28	market	market	NOUN
hassl-3213	26	29	structure	structure	NOUN
hassl-3213	26	30	this	this	DET
hassl-3213	26	31	industry	industry	NOUN
hassl-3213	26	32	faces	face	VERB
hassl-3213	26	33	in	in	ADP
hassl-3213	26	34	order	order	NOUN
hassl-3213	26	35	to	to	PART
hassl-3213	26	36	recognize	recognize	VERB
hassl-3213	26	37	its	its	PRON
hassl-3213	26	38	features	feature	NOUN
hassl-3213	26	39	and	and	CCONJ
hassl-3213	26	40	how	how	SCONJ
hassl-3213	26	41	it	it	PRON
hassl-3213	26	42	works	work	VERB
hassl-3213	26	43	.	.	PUNCT
hassl-3213	27	1	the	the	DET
hassl-3213	27	2	main	main	ADJ
hassl-3213	27	3	goal	goal	NOUN
hassl-3213	27	4	of	of	ADP
hassl-3213	27	5	this	this	DET
hassl-3213	27	6	research	research	NOUN
hassl-3213	27	7	was	be	AUX
hassl-3213	27	8	to	to	PART
hassl-3213	27	9	measure	measure	VERB
hassl-3213	27	10	the	the	DET
hassl-3213	27	11	level	level	NOUN
hassl-3213	27	12	of	of	ADP
hassl-3213	27	13	competitiveness	competitiveness	NOUN
hassl-3213	27	14	in	in	ADP
hassl-3213	27	15	the	the	DET
hassl-3213	27	16	banking	banking	NOUN
hassl-3213	27	17	sector	sector	NOUN
hassl-3213	27	18	in	in	ADP
hassl-3213	27	19	kuwait	kuwait	PROPN
hassl-3213	27	20	.	.	PUNCT
hassl-3213	28	1	one	one	NUM
hassl-3213	28	2	way	way	NOUN
hassl-3213	28	3	to	to	PART
hassl-3213	28	4	measure	measure	VERB
hassl-3213	28	5	this	this	PRON
hassl-3213	28	6	was	be	AUX
hassl-3213	28	7	to	to	PART
hassl-3213	28	8	use	use	VERB
hassl-3213	28	9	the	the	DET
hassl-3213	28	10	panzar	panzar	NOUN
hassl-3213	28	11	and	and	CCONJ
hassl-3213	28	12	rosse	rosse	PROPN
hassl-3213	28	13	(	(	PUNCT
hassl-3213	28	14	1987	1987	NUM
hassl-3213	28	15	)	)	PUNCT
hassl-3213	28	16	model	model	NOUN
hassl-3213	28	17	,	,	PUNCT
hassl-3213	28	18	or	or	CCONJ
hassl-3213	28	19	the	the	DET
hassl-3213	28	20	h	h	NOUN
hassl-3213	28	21	statistic	statistic	NOUN
hassl-3213	28	22	.	.	PUNCT
hassl-3213	29	1	the	the	DET
hassl-3213	29	2	idea	idea	NOUN
hassl-3213	29	3	behind	behind	ADP
hassl-3213	29	4	this	this	DET
hassl-3213	29	5	humanities	humanity	NOUN
hassl-3213	29	6	and	and	CCONJ
hassl-3213	29	7	social	social	ADJ
hassl-3213	29	8	sciences	science	NOUN
hassl-3213	29	9	letters	letter	NOUN
hassl-3213	29	10	2022	2022	NUM
hassl-3213	29	11	vol	vol	NOUN
hassl-3213	29	12	.	.	PROPN
hassl-3213	30	1	10	10	NUM
hassl-3213	30	2	,	,	PUNCT
hassl-3213	30	3	no	no	INTJ
hassl-3213	30	4	.	.	NOUN
hassl-3213	30	5	4	4	NUM
hassl-3213	30	6	,	,	PUNCT
hassl-3213	30	7	pp	pp	ADJ
hassl-3213	30	8	.	.	PUNCT
hassl-3213	31	1	606	606	NUM
hassl-3213	31	2	-	-	SYM
hassl-3213	31	3	613	613	NUM
hassl-3213	31	4	issn(e	issn(e	PROPN
hassl-3213	31	5	):	):	PUNCT
hassl-3213	31	6	2312	2312	NUM
hassl-3213	31	7	-	-	SYM
hassl-3213	31	8	4318	4318	NUM
hassl-3213	31	9	issn(p	issn(p	NUM
hassl-3213	31	10	):	):	PUNCT
hassl-3213	31	11	2312	2312	NUM
hassl-3213	31	12	-	-	SYM
hassl-3213	31	13	5659	5659	NUM
hassl-3213	31	14	doi	doi	NOUN
hassl-3213	31	15	:	:	PUNCT
hassl-3213	31	16	10.18488/73.v10i4.3213	10.18488/73.v10i4.3213	NOUN
hassl-3213	31	17	©	©	PROPN
hassl-3213	31	18	2022	2022	NUM
hassl-3213	31	19	conscientia	conscientia	PROPN
hassl-3213	31	20	beam	beam	PROPN
hassl-3213	31	21	.	.	PUNCT
hassl-3213	32	1	all	all	DET
hassl-3213	32	2	rights	right	NOUN
hassl-3213	32	3	reserved	reserve	VERB
hassl-3213	32	4	.	.	PUNCT
hassl-3213	33	1	mailto:mohammad.alawin@ku.edu.kw	mailto:mohammad.alawin@ku.edu.kw	PRON
hassl-3213	33	2	mailto:dr.alshriaan@ku.edu.kw	mailto:dr.alshriaan@ku.edu.kw	VERB
hassl-3213	33	3	mailto:ebrahim.merza@ku.edu.kw	mailto:ebrahim.merza@ku.edu.kw	ADV
hassl-3213	33	4	https://orcid.org/0000-0002-1553-3139	https://orcid.org/0000-0002-1553-3139	ADJ
hassl-3213	33	5	https://orcid.org/0000-0003-2359-8052	https://orcid.org/0000-0003-2359-8052	PRON
hassl-3213	33	6	https://orcid.org/0000-0003-3154-8741	https://orcid.org/0000-0003-3154-8741	VERB
hassl-3213	33	7	https://www.doi.org/10.18488/73.v10i4.3213	https://www.doi.org/10.18488/73.v10i4.3213	PROPN
hassl-3213	33	8	humanities	humanity	NOUN
hassl-3213	33	9	and	and	CCONJ
hassl-3213	33	10	social	social	ADJ
hassl-3213	33	11	sciences	science	NOUN
hassl-3213	33	12	letters	letter	NOUN
hassl-3213	33	13	,	,	PUNCT
hassl-3213	33	14	2022	2022	NUM
hassl-3213	33	15	,	,	PUNCT
hassl-3213	33	16	10(4	10(4	NUM
hassl-3213	33	17	):	):	PUNCT
hassl-3213	33	18	606	606	NUM
hassl-3213	33	19	-	-	SYM
hassl-3213	33	20	613	613	NUM
hassl-3213	33	21	607	607	NUM
hassl-3213	33	22	©	©	PROPN
hassl-3213	33	23	2022	2022	NUM
hassl-3213	33	24	conscientia	conscientia	PROPN
hassl-3213	33	25	beam	beam	PROPN
hassl-3213	33	26	.	.	PUNCT
hassl-3213	34	1	all	all	DET
hassl-3213	34	2	rights	right	NOUN
hassl-3213	34	3	reserved	reserve	VERB
hassl-3213	34	4	.	.	PUNCT
hassl-3213	35	1	approach	approach	NOUN
hassl-3213	35	2	was	be	AUX
hassl-3213	35	3	to	to	PART
hassl-3213	35	4	employ	employ	VERB
hassl-3213	35	5	the	the	DET
hassl-3213	35	6	differences	difference	NOUN
hassl-3213	35	7	of	of	ADP
hassl-3213	35	8	banking	banking	NOUN
hassl-3213	35	9	price	price	NOUN
hassl-3213	35	10	strategies	strategy	NOUN
hassl-3213	35	11	with	with	ADP
hassl-3213	35	12	respect	respect	NOUN
hassl-3213	35	13	to	to	ADP
hassl-3213	35	14	the	the	DET
hassl-3213	35	15	change	change	NOUN
hassl-3213	35	16	in	in	ADP
hassl-3213	35	17	the	the	DET
hassl-3213	35	18	costs	cost	NOUN
hassl-3213	35	19	of	of	ADP
hassl-3213	35	20	inputs	input	NOUN
hassl-3213	35	21	to	to	PART
hassl-3213	35	22	determine	determine	VERB
hassl-3213	35	23	the	the	DET
hassl-3213	35	24	market	market	NOUN
hassl-3213	35	25	structure	structure	NOUN
hassl-3213	35	26	(	(	PUNCT
hassl-3213	35	27	al	al	PROPN
hassl-3213	35	28	-	-	PUNCT
hassl-3213	35	29	muharrami	muharrami	PROPN
hassl-3213	35	30	,	,	PUNCT
hassl-3213	35	31	2008a	2008a	NUM
hassl-3213	35	32	)	)	PUNCT
hassl-3213	35	33	.	.	PUNCT
hassl-3213	36	1	another	another	DET
hassl-3213	36	2	goal	goal	NOUN
hassl-3213	36	3	of	of	ADP
hassl-3213	36	4	this	this	DET
hassl-3213	36	5	study	study	NOUN
hassl-3213	36	6	was	be	AUX
hassl-3213	36	7	to	to	PART
hassl-3213	36	8	determine	determine	VERB
hassl-3213	36	9	those	those	DET
hassl-3213	36	10	variables	variable	NOUN
hassl-3213	36	11	that	that	PRON
hassl-3213	36	12	affect	affect	VERB
hassl-3213	36	13	the	the	DET
hassl-3213	36	14	performance	performance	NOUN
hassl-3213	36	15	of	of	ADP
hassl-3213	36	16	banks	bank	NOUN
hassl-3213	36	17	in	in	ADP
hassl-3213	36	18	kuwait	kuwait	PROPN
hassl-3213	36	19	,	,	PUNCT
hassl-3213	36	20	specifically	specifically	ADV
hassl-3213	36	21	the	the	DET
hassl-3213	36	22	level	level	NOUN
hassl-3213	36	23	of	of	ADP
hassl-3213	36	24	revenues	revenue	NOUN
hassl-3213	36	25	.	.	PUNCT
hassl-3213	37	1	to	to	PART
hassl-3213	37	2	achieve	achieve	VERB
hassl-3213	37	3	that	that	DET
hassl-3213	37	4	goal	goal	NOUN
hassl-3213	37	5	,	,	PUNCT
hassl-3213	37	6	an	an	DET
hassl-3213	37	7	empirical	empirical	ADJ
hassl-3213	37	8	model	model	NOUN
hassl-3213	37	9	was	be	AUX
hassl-3213	37	10	used	use	VERB
hassl-3213	37	11	to	to	PART
hassl-3213	37	12	incorporate	incorporate	VERB
hassl-3213	37	13	those	those	DET
hassl-3213	37	14	variables	variable	NOUN
hassl-3213	37	15	that	that	PRON
hassl-3213	37	16	affect	affect	VERB
hassl-3213	37	17	and	and	CCONJ
hassl-3213	37	18	contribute	contribute	VERB
hassl-3213	37	19	to	to	ADP
hassl-3213	37	20	revenues	revenue	NOUN
hassl-3213	37	21	in	in	ADP
hassl-3213	37	22	kuwaiti	kuwaiti	PROPN
hassl-3213	37	23	banks	bank	NOUN
hassl-3213	37	24	.	.	PUNCT
hassl-3213	38	1	the	the	DET
hassl-3213	38	2	model	model	NOUN
hassl-3213	38	3	was	be	AUX
hassl-3213	38	4	assessed	assess	VERB
hassl-3213	38	5	using	use	VERB
hassl-3213	38	6	panel	panel	NOUN
hassl-3213	38	7	data	datum	NOUN
hassl-3213	38	8	methodology	methodology	NOUN
hassl-3213	38	9	.	.	PUNCT
hassl-3213	39	1	the	the	DET
hassl-3213	39	2	rest	rest	NOUN
hassl-3213	39	3	of	of	ADP
hassl-3213	39	4	this	this	DET
hassl-3213	39	5	paper	paper	NOUN
hassl-3213	39	6	is	be	AUX
hassl-3213	39	7	organized	organize	VERB
hassl-3213	39	8	in	in	ADP
hassl-3213	39	9	the	the	DET
hassl-3213	39	10	following	follow	VERB
hassl-3213	39	11	order	order	NOUN
hassl-3213	39	12	.	.	PUNCT
hassl-3213	40	1	section	section	NOUN
hassl-3213	40	2	2	2	NUM
hassl-3213	40	3	presents	present	VERB
hassl-3213	40	4	theoretical	theoretical	ADJ
hassl-3213	40	5	overview	overview	NOUN
hassl-3213	40	6	of	of	ADP
hassl-3213	40	7	the	the	DET
hassl-3213	40	8	concept	concept	NOUN
hassl-3213	40	9	of	of	ADP
hassl-3213	40	10	competition	competition	NOUN
hassl-3213	40	11	.	.	PUNCT
hassl-3213	41	1	section	section	NOUN
hassl-3213	41	2	3	3	NUM
hassl-3213	41	3	includes	include	VERB
hassl-3213	41	4	the	the	DET
hassl-3213	41	5	literature	literature	NOUN
hassl-3213	41	6	review	review	NOUN
hassl-3213	41	7	related	relate	VERB
hassl-3213	41	8	to	to	ADP
hassl-3213	41	9	our	our	PRON
hassl-3213	41	10	study	study	NOUN
hassl-3213	41	11	.	.	PUNCT
hassl-3213	42	1	section	section	NOUN
hassl-3213	42	2	4	4	NUM
hassl-3213	42	3	presents	present	VERB
hassl-3213	42	4	the	the	DET
hassl-3213	42	5	methodology	methodology	NOUN
hassl-3213	42	6	for	for	ADP
hassl-3213	42	7	analyzing	analyze	VERB
hassl-3213	42	8	competitiveness	competitiveness	NOUN
hassl-3213	42	9	in	in	ADP
hassl-3213	42	10	kuwaiti	kuwaiti	PROPN
hassl-3213	42	11	banks	bank	NOUN
hassl-3213	42	12	.	.	PUNCT
hassl-3213	43	1	in	in	ADP
hassl-3213	43	2	section	section	NOUN
hassl-3213	43	3	5	5	NUM
hassl-3213	43	4	,	,	PUNCT
hassl-3213	43	5	the	the	DET
hassl-3213	43	6	descriptive	descriptive	ADJ
hassl-3213	43	7	statistics	statistic	NOUN
hassl-3213	43	8	are	be	AUX
hassl-3213	43	9	presented	present	VERB
hassl-3213	43	10	.	.	PUNCT
hassl-3213	44	1	section	section	NOUN
hassl-3213	44	2	6	6	NUM
hassl-3213	44	3	analyzes	analyze	VERB
hassl-3213	44	4	the	the	DET
hassl-3213	44	5	empirical	empirical	ADJ
hassl-3213	44	6	results	result	NOUN
hassl-3213	44	7	,	,	PUNCT
hassl-3213	44	8	and	and	CCONJ
hassl-3213	44	9	conclusions	conclusion	NOUN
hassl-3213	44	10	are	be	AUX
hassl-3213	44	11	addressed	address	VERB
hassl-3213	44	12	in	in	ADP
hassl-3213	44	13	section	section	NOUN
hassl-3213	44	14	7	7	NUM
hassl-3213	44	15	.	.	NOUN
hassl-3213	45	1	2	2	NUM
hassl-3213	45	2	.	.	X
hassl-3213	45	3	competition	competition	NOUN
hassl-3213	45	4	theory	theory	NOUN
hassl-3213	45	5	according	accord	VERB
hassl-3213	45	6	to	to	ADP
hassl-3213	45	7	al	al	PROPN
hassl-3213	45	8	-	-	PUNCT
hassl-3213	45	9	qaisi	qaisi	X
hassl-3213	45	10	(	(	PUNCT
hassl-3213	45	11	2016	2016	NUM
hassl-3213	45	12	)	)	PUNCT
hassl-3213	45	13	there	there	PRON
hassl-3213	45	14	are	be	VERB
hassl-3213	45	15	two	two	NUM
hassl-3213	45	16	methods	method	NOUN
hassl-3213	45	17	to	to	PART
hassl-3213	45	18	examine	examine	VERB
hassl-3213	45	19	the	the	DET
hassl-3213	45	20	level	level	NOUN
hassl-3213	45	21	of	of	ADP
hassl-3213	45	22	competition	competition	NOUN
hassl-3213	45	23	in	in	ADP
hassl-3213	45	24	an	an	DET
hassl-3213	45	25	industry	industry	NOUN
hassl-3213	45	26	.	.	PUNCT
hassl-3213	46	1	the	the	DET
hassl-3213	46	2	first	first	ADJ
hassl-3213	46	3	method	method	NOUN
hassl-3213	46	4	is	be	AUX
hassl-3213	46	5	:	:	PUNCT
hassl-3213	46	6	structure	structure	NOUN
hassl-3213	46	7	conduct	conduct	NOUN
hassl-3213	46	8	performance	performance	NOUN
hassl-3213	46	9	method	method	NOUN
hassl-3213	46	10	.	.	PUNCT
hassl-3213	47	1	this	this	DET
hassl-3213	47	2	method	method	NOUN
hassl-3213	47	3	assumes	assume	VERB
hassl-3213	47	4	that	that	SCONJ
hassl-3213	47	5	a	a	DET
hassl-3213	47	6	highly	highly	ADV
hassl-3213	47	7	concentrated	concentrated	ADJ
hassl-3213	47	8	market	market	NOUN
hassl-3213	47	9	will	will	AUX
hassl-3213	47	10	lead	lead	VERB
hassl-3213	47	11	to	to	ADP
hassl-3213	47	12	a	a	DET
hassl-3213	47	13	kind	kind	NOUN
hassl-3213	47	14	of	of	ADP
hassl-3213	47	15	secret	secret	ADJ
hassl-3213	47	16	and	and	CCONJ
hassl-3213	47	17	unlawful	unlawful	ADJ
hassl-3213	47	18	cooperation	cooperation	NOUN
hassl-3213	47	19	among	among	ADP
hassl-3213	47	20	large	large	ADJ
hassl-3213	47	21	corporations	corporation	NOUN
hassl-3213	47	22	that	that	PRON
hassl-3213	47	23	aimed	aim	VERB
hassl-3213	47	24	at	at	ADP
hassl-3213	47	25	deceiving	deceive	VERB
hassl-3213	47	26	or	or	CCONJ
hassl-3213	47	27	gaining	gain	VERB
hassl-3213	47	28	extra	extra	ADJ
hassl-3213	47	29	advantages	advantage	NOUN
hassl-3213	47	30	over	over	ADP
hassl-3213	47	31	others	other	NOUN
hassl-3213	47	32	.	.	PUNCT
hassl-3213	48	1	however	however	ADV
hassl-3213	48	2	,	,	PUNCT
hassl-3213	48	3	this	this	DET
hassl-3213	48	4	behavior	behavior	NOUN
hassl-3213	48	5	,	,	PUNCT
hassl-3213	48	6	according	accord	VERB
hassl-3213	48	7	to	to	ADP
hassl-3213	48	8	this	this	DET
hassl-3213	48	9	method	method	NOUN
hassl-3213	48	10	,	,	PUNCT
hassl-3213	48	11	will	will	AUX
hassl-3213	48	12	result	result	VERB
hassl-3213	48	13	in	in	ADP
hassl-3213	48	14	a	a	DET
hassl-3213	48	15	better	well	ADJ
hassl-3213	48	16	performance	performance	NOUN
hassl-3213	48	17	of	of	ADP
hassl-3213	48	18	the	the	DET
hassl-3213	48	19	market	market	NOUN
hassl-3213	48	20	.	.	PUNCT
hassl-3213	49	1	the	the	DET
hassl-3213	49	2	second	second	ADJ
hassl-3213	49	3	method	method	NOUN
hassl-3213	49	4	is	be	AUX
hassl-3213	49	5	the	the	DET
hassl-3213	49	6	efficiency	efficiency	NOUN
hassl-3213	49	7	method	method	NOUN
hassl-3213	49	8	.	.	PUNCT
hassl-3213	50	1	in	in	ADP
hassl-3213	50	2	this	this	DET
hassl-3213	50	3	one	one	NOUN
hassl-3213	50	4	,	,	PUNCT
hassl-3213	50	5	it	it	PRON
hassl-3213	50	6	is	be	AUX
hassl-3213	50	7	assumed	assume	VERB
hassl-3213	50	8	that	that	SCONJ
hassl-3213	50	9	the	the	DET
hassl-3213	50	10	efficiency	efficiency	NOUN
hassl-3213	50	11	and	and	CCONJ
hassl-3213	50	12	the	the	DET
hassl-3213	50	13	performance	performance	NOUN
hassl-3213	50	14	of	of	ADP
hassl-3213	50	15	the	the	DET
hassl-3213	50	16	large	large	ADJ
hassl-3213	50	17	firms	firm	NOUN
hassl-3213	50	18	working	work	VERB
hassl-3213	50	19	in	in	ADP
hassl-3213	50	20	a	a	DET
hassl-3213	50	21	concentrated	concentrated	ADJ
hassl-3213	50	22	market	market	NOUN
hassl-3213	50	23	will	will	AUX
hassl-3213	50	24	improve	improve	VERB
hassl-3213	50	25	.	.	PUNCT
hassl-3213	51	1	as	as	ADP
hassl-3213	51	2	a	a	DET
hassl-3213	51	3	result	result	NOUN
hassl-3213	51	4	,	,	PUNCT
hassl-3213	51	5	this	this	PRON
hassl-3213	51	6	would	would	AUX
hassl-3213	51	7	lead	lead	VERB
hassl-3213	51	8	to	to	ADP
hassl-3213	51	9	higher	high	ADJ
hassl-3213	51	10	levels	level	NOUN
hassl-3213	51	11	of	of	ADP
hassl-3213	51	12	profits	profit	NOUN
hassl-3213	51	13	and	and	CCONJ
hassl-3213	51	14	better	well	ADJ
hassl-3213	51	15	benefits	benefit	NOUN
hassl-3213	51	16	to	to	ADP
hassl-3213	51	17	the	the	DET
hassl-3213	51	18	owners	owner	NOUN
hassl-3213	51	19	of	of	ADP
hassl-3213	51	20	the	the	DET
hassl-3213	51	21	firms	firm	NOUN
hassl-3213	51	22	.	.	PUNCT
hassl-3213	52	1	other	other	ADJ
hassl-3213	52	2	researchers	researcher	NOUN
hassl-3213	52	3	suggested	suggest	VERB
hassl-3213	52	4	new	new	ADJ
hassl-3213	52	5	methods	method	NOUN
hassl-3213	52	6	for	for	ADP
hassl-3213	52	7	measuring	measure	VERB
hassl-3213	52	8	the	the	DET
hassl-3213	52	9	competition	competition	NOUN
hassl-3213	52	10	among	among	ADP
hassl-3213	52	11	entities	entity	NOUN
hassl-3213	52	12	in	in	ADP
hassl-3213	52	13	a	a	DET
hassl-3213	52	14	specified	specified	ADJ
hassl-3213	52	15	market	market	NOUN
hassl-3213	52	16	.	.	PUNCT
hassl-3213	53	1	examples	example	NOUN
hassl-3213	53	2	of	of	ADP
hassl-3213	53	3	these	these	DET
hassl-3213	53	4	methods	method	NOUN
hassl-3213	53	5	are	be	AUX
hassl-3213	53	6	:	:	PUNCT
hassl-3213	53	7	iwata	iwata	PROPN
hassl-3213	53	8	model	model	PROPN
hassl-3213	53	9	,	,	PUNCT
hassl-3213	53	10	the	the	DET
hassl-3213	53	11	bresnahan	bresnahan	NOUN
hassl-3213	53	12	method	method	NOUN
hassl-3213	53	13	,	,	PUNCT
hassl-3213	53	14	the	the	DET
hassl-3213	53	15	panzar	panzar	NOUN
hassl-3213	53	16	-	-	PUNCT
hassl-3213	53	17	rosse	rosse	NOUN
hassl-3213	53	18	approach	approach	NOUN
hassl-3213	53	19	,	,	PUNCT
hassl-3213	53	20	and	and	CCONJ
hassl-3213	53	21	contestable	contestable	ADJ
hassl-3213	53	22	market	market	NOUN
hassl-3213	53	23	theory	theory	NOUN
hassl-3213	53	24	(	(	PUNCT
hassl-3213	53	25	al	al	PROPN
hassl-3213	53	26	-	-	PUNCT
hassl-3213	53	27	qaisi	qaisi	PROPN
hassl-3213	53	28	,	,	PUNCT
hassl-3213	53	29	2016	2016	NUM
hassl-3213	53	30	)	)	PUNCT
hassl-3213	53	31	.	.	PUNCT
hassl-3213	54	1	panzar	panzar	NOUN
hassl-3213	54	2	-	-	PUNCT
hassl-3213	54	3	rosse	rosse	PROPN
hassl-3213	54	4	method	method	NOUN
hassl-3213	54	5	tests	test	VERB
hassl-3213	54	6	the	the	DET
hassl-3213	54	7	competitiveness	competitiveness	NOUN
hassl-3213	54	8	firms	firm	NOUN
hassl-3213	54	9	working	work	VERB
hassl-3213	54	10	in	in	ADP
hassl-3213	54	11	different	different	ADJ
hassl-3213	54	12	sectors	sector	NOUN
hassl-3213	54	13	through	through	ADP
hassl-3213	54	14	“	"	PUNCT
hassl-3213	54	15	h	h	NOUN
hassl-3213	54	16	statistic	statistic	NOUN
hassl-3213	54	17	.	.	PUNCT
hassl-3213	54	18	”	"	PUNCT
hassl-3213	55	1	this	this	DET
hassl-3213	55	2	method	method	NOUN
hassl-3213	55	3	depends	depend	VERB
hassl-3213	55	4	on	on	ADP
hassl-3213	55	5	assuming	assume	VERB
hassl-3213	55	6	that	that	SCONJ
hassl-3213	55	7	firms	firm	NOUN
hassl-3213	55	8	will	will	AUX
hassl-3213	55	9	apply	apply	VERB
hassl-3213	55	10	different	different	ADJ
hassl-3213	55	11	strategies	strategy	NOUN
hassl-3213	55	12	when	when	SCONJ
hassl-3213	55	13	pricing	price	VERB
hassl-3213	55	14	their	their	PRON
hassl-3213	55	15	products	product	NOUN
hassl-3213	55	16	.	.	PUNCT
hassl-3213	56	1	this	this	DET
hassl-3213	56	2	pricing	pricing	NOUN
hassl-3213	56	3	policy	policy	NOUN
hassl-3213	56	4	depends	depend	VERB
hassl-3213	56	5	on	on	ADP
hassl-3213	56	6	the	the	DET
hassl-3213	56	7	input	input	NOUN
hassl-3213	56	8	prices	price	NOUN
hassl-3213	56	9	which	which	PRON
hassl-3213	56	10	is	be	AUX
hassl-3213	56	11	affected	affect	VERB
hassl-3213	56	12	by	by	ADP
hassl-3213	56	13	the	the	DET
hassl-3213	56	14	type	type	NOUN
hassl-3213	56	15	of	of	ADP
hassl-3213	56	16	the	the	DET
hassl-3213	56	17	market	market	NOUN
hassl-3213	56	18	structure	structure	NOUN
hassl-3213	56	19	in	in	ADP
hassl-3213	56	20	which	which	PRON
hassl-3213	56	21	these	these	DET
hassl-3213	56	22	firms	firm	NOUN
hassl-3213	56	23	work	work	VERB
hassl-3213	56	24	(	(	PUNCT
hassl-3213	56	25	panzar	panzar	NOUN
hassl-3213	56	26	&	&	CCONJ
hassl-3213	56	27	rosse	rosse	PROPN
hassl-3213	56	28	,	,	PUNCT
hassl-3213	56	29	1987	1987	NUM
hassl-3213	56	30	)	)	PUNCT
hassl-3213	56	31	.	.	PUNCT
hassl-3213	57	1	according	accord	VERB
hassl-3213	57	2	to	to	ADP
hassl-3213	57	3	the	the	DET
hassl-3213	57	4	value	value	NOUN
hassl-3213	57	5	of	of	ADP
hassl-3213	57	6	the	the	DET
hassl-3213	57	7	h	h	NOUN
hassl-3213	57	8	statistic	statistic	NOUN
hassl-3213	57	9	,	,	PUNCT
hassl-3213	57	10	the	the	DET
hassl-3213	57	11	structure	structure	NOUN
hassl-3213	57	12	type	type	NOUN
hassl-3213	57	13	of	of	ADP
hassl-3213	57	14	the	the	DET
hassl-3213	57	15	market	market	NOUN
hassl-3213	57	16	is	be	AUX
hassl-3213	57	17	determined	determine	VERB
hassl-3213	57	18	.	.	PUNCT
hassl-3213	58	1	if	if	SCONJ
hassl-3213	58	2	the	the	DET
hassl-3213	58	3	value	value	NOUN
hassl-3213	58	4	of	of	ADP
hassl-3213	58	5	the	the	DET
hassl-3213	58	6	h	h	NOUN
hassl-3213	58	7	statistic	statistic	NOUN
hassl-3213	58	8	is	be	AUX
hassl-3213	58	9	close	close	ADJ
hassl-3213	58	10	to	to	ADP
hassl-3213	58	11	zero	zero	NUM
hassl-3213	58	12	,	,	PUNCT
hassl-3213	58	13	the	the	DET
hassl-3213	58	14	market	market	NOUN
hassl-3213	58	15	is	be	AUX
hassl-3213	58	16	characterized	characterize	VERB
hassl-3213	58	17	by	by	ADP
hassl-3213	58	18	monopolistic	monopolistic	ADJ
hassl-3213	58	19	behavior	behavior	NOUN
hassl-3213	58	20	.	.	PUNCT
hassl-3213	59	1	the	the	DET
hassl-3213	59	2	reason	reason	NOUN
hassl-3213	59	3	for	for	ADP
hassl-3213	59	4	that	that	PRON
hassl-3213	59	5	is	be	AUX
hassl-3213	59	6	because	because	SCONJ
hassl-3213	59	7	any	any	DET
hassl-3213	59	8	change	change	NOUN
hassl-3213	59	9	in	in	ADP
hassl-3213	59	10	the	the	DET
hassl-3213	59	11	cost	cost	NOUN
hassl-3213	59	12	of	of	ADP
hassl-3213	59	13	the	the	DET
hassl-3213	59	14	factors	factor	NOUN
hassl-3213	59	15	of	of	ADP
hassl-3213	59	16	production	production	NOUN
hassl-3213	59	17	will	will	AUX
hassl-3213	59	18	be	be	AUX
hassl-3213	59	19	transferred	transfer	VERB
hassl-3213	59	20	completely	completely	ADV
hassl-3213	59	21	to	to	ADP
hassl-3213	59	22	the	the	DET
hassl-3213	59	23	revenue	revenue	NOUN
hassl-3213	59	24	calculations	calculation	NOUN
hassl-3213	59	25	.	.	PUNCT
hassl-3213	60	1	on	on	ADP
hassl-3213	60	2	the	the	DET
hassl-3213	60	3	other	other	ADJ
hassl-3213	60	4	hand	hand	NOUN
hassl-3213	60	5	,	,	PUNCT
hassl-3213	60	6	if	if	SCONJ
hassl-3213	60	7	the	the	DET
hassl-3213	60	8	value	value	NOUN
hassl-3213	60	9	of	of	ADP
hassl-3213	60	10	the	the	DET
hassl-3213	60	11	h	h	NOUN
hassl-3213	60	12	statistic	statistic	NOUN
hassl-3213	60	13	is	be	AUX
hassl-3213	60	14	close	close	ADJ
hassl-3213	60	15	to	to	ADP
hassl-3213	60	16	1	1	NUM
hassl-3213	60	17	,	,	PUNCT
hassl-3213	60	18	then	then	ADV
hassl-3213	60	19	the	the	DET
hassl-3213	60	20	market	market	NOUN
hassl-3213	60	21	is	be	AUX
hassl-3213	60	22	characterized	characterize	VERB
hassl-3213	60	23	by	by	ADP
hassl-3213	60	24	the	the	DET
hassl-3213	60	25	perfect	perfect	ADJ
hassl-3213	60	26	competition	competition	NOUN
hassl-3213	60	27	conditions	condition	NOUN
hassl-3213	60	28	.	.	PUNCT
hassl-3213	61	1	in	in	ADP
hassl-3213	61	2	this	this	DET
hassl-3213	61	3	case	case	NOUN
hassl-3213	61	4	,	,	PUNCT
hassl-3213	61	5	changes	change	NOUN
hassl-3213	61	6	in	in	ADP
hassl-3213	61	7	the	the	DET
hassl-3213	61	8	costs	cost	NOUN
hassl-3213	61	9	of	of	ADP
hassl-3213	61	10	the	the	DET
hassl-3213	61	11	factors	factor	NOUN
hassl-3213	61	12	of	of	ADP
hassl-3213	61	13	production	production	NOUN
hassl-3213	61	14	are	be	AUX
hassl-3213	61	15	not	not	PART
hassl-3213	61	16	transferred	transfer	VERB
hassl-3213	61	17	to	to	ADP
hassl-3213	61	18	the	the	DET
hassl-3213	61	19	revenues	revenue	NOUN
hassl-3213	61	20	,	,	PUNCT
hassl-3213	61	21	a	a	DET
hassl-3213	61	22	case	case	NOUN
hassl-3213	61	23	that	that	PRON
hassl-3213	61	24	is	be	AUX
hassl-3213	61	25	consistent	consistent	ADJ
hassl-3213	61	26	with	with	ADP
hassl-3213	61	27	the	the	DET
hassl-3213	61	28	actions	action	NOUN
hassl-3213	61	29	of	of	ADP
hassl-3213	61	30	the	the	DET
hassl-3213	61	31	monopolistic	monopolistic	NOUN
hassl-3213	61	32	.	.	PUNCT
hassl-3213	62	1	however	however	ADV
hassl-3213	62	2	,	,	PUNCT
hassl-3213	62	3	if	if	SCONJ
hassl-3213	62	4	the	the	DET
hassl-3213	62	5	value	value	NOUN
hassl-3213	62	6	of	of	ADP
hassl-3213	62	7	the	the	DET
hassl-3213	62	8	h	h	NOUN
hassl-3213	62	9	statistic	statistic	NOUN
hassl-3213	62	10	lies	lie	VERB
hassl-3213	62	11	between	between	ADP
hassl-3213	62	12	0	0	NUM
hassl-3213	62	13	and	and	CCONJ
hassl-3213	62	14	1	1	NUM
hassl-3213	62	15	,	,	PUNCT
hassl-3213	62	16	then	then	ADV
hassl-3213	62	17	the	the	DET
hassl-3213	62	18	market	market	NOUN
hassl-3213	62	19	is	be	AUX
hassl-3213	62	20	characterized	characterize	VERB
hassl-3213	62	21	by	by	ADP
hassl-3213	62	22	a	a	DET
hassl-3213	62	23	monopolistic	monopolistic	ADJ
hassl-3213	62	24	competition	competition	NOUN
hassl-3213	62	25	behavior	behavior	NOUN
hassl-3213	62	26	.	.	PUNCT
hassl-3213	63	1	3	3	X
hassl-3213	63	2	.	.	X
hassl-3213	63	3	literature	literature	PROPN
hassl-3213	63	4	review	review	PROPN
hassl-3213	63	5	literature	literature	NOUN
hassl-3213	63	6	on	on	ADP
hassl-3213	63	7	the	the	DET
hassl-3213	63	8	banking	banking	NOUN
hassl-3213	63	9	industry	industry	NOUN
hassl-3213	63	10	contains	contain	VERB
hassl-3213	63	11	several	several	ADJ
hassl-3213	63	12	topics	topic	NOUN
hassl-3213	63	13	.	.	PUNCT
hassl-3213	64	1	some	some	DET
hassl-3213	64	2	research	research	NOUN
hassl-3213	64	3	focuses	focus	VERB
hassl-3213	64	4	on	on	ADP
hassl-3213	64	5	the	the	DET
hassl-3213	64	6	factors	factor	NOUN
hassl-3213	64	7	that	that	PRON
hassl-3213	64	8	affect	affect	VERB
hassl-3213	64	9	the	the	DET
hassl-3213	64	10	profitability	profitability	NOUN
hassl-3213	64	11	of	of	ADP
hassl-3213	64	12	banks	bank	NOUN
hassl-3213	64	13	.	.	PUNCT
hassl-3213	65	1	other	other	ADJ
hassl-3213	65	2	studies	study	NOUN
hassl-3213	65	3	emphasize	emphasize	VERB
hassl-3213	65	4	measuring	measure	VERB
hassl-3213	65	5	the	the	DET
hassl-3213	65	6	concentration	concentration	NOUN
hassl-3213	65	7	ratio	ratio	NOUN
hassl-3213	65	8	.	.	PUNCT
hassl-3213	66	1	others	other	NOUN
hassl-3213	66	2	focus	focus	VERB
hassl-3213	66	3	on	on	ADP
hassl-3213	66	4	whether	whether	SCONJ
hassl-3213	66	5	concentration	concentration	NOUN
hassl-3213	66	6	affects	affect	VERB
hassl-3213	66	7	the	the	DET
hassl-3213	66	8	performance	performance	NOUN
hassl-3213	66	9	of	of	ADP
hassl-3213	66	10	the	the	DET
hassl-3213	66	11	banking	banking	NOUN
hassl-3213	66	12	sector	sector	NOUN
hassl-3213	66	13	.	.	PUNCT
hassl-3213	67	1	this	this	DET
hassl-3213	67	2	literature	literature	NOUN
hassl-3213	67	3	review	review	NOUN
hassl-3213	67	4	will	will	AUX
hassl-3213	67	5	briefly	briefly	ADV
hassl-3213	67	6	discuss	discuss	VERB
hassl-3213	67	7	some	some	DET
hassl-3213	67	8	papers	paper	NOUN
hassl-3213	67	9	that	that	PRON
hassl-3213	67	10	measure	measure	VERB
hassl-3213	67	11	the	the	DET
hassl-3213	67	12	concentration	concentration	NOUN
hassl-3213	67	13	ratio	ratio	NOUN
hassl-3213	67	14	in	in	ADP
hassl-3213	67	15	the	the	DET
hassl-3213	67	16	banking	banking	NOUN
hassl-3213	67	17	sector	sector	NOUN
hassl-3213	67	18	and	and	CCONJ
hassl-3213	67	19	that	that	PRON
hassl-3213	67	20	study	study	VERB
hassl-3213	67	21	the	the	DET
hassl-3213	67	22	factors	factor	NOUN
hassl-3213	67	23	affecting	affect	VERB
hassl-3213	67	24	banking	banking	NOUN
hassl-3213	67	25	profitability	profitability	NOUN
hassl-3213	67	26	.	.	PUNCT
hassl-3213	68	1	however	however	ADV
hassl-3213	68	2	,	,	PUNCT
hassl-3213	68	3	this	this	DET
hassl-3213	68	4	section	section	NOUN
hassl-3213	68	5	is	be	AUX
hassl-3213	68	6	divided	divide	VERB
hassl-3213	68	7	into	into	ADP
hassl-3213	68	8	two	two	NUM
hassl-3213	68	9	main	main	ADJ
hassl-3213	68	10	sections	section	NOUN
hassl-3213	68	11	.	.	PUNCT
hassl-3213	69	1	the	the	DET
hassl-3213	69	2	first	first	ADJ
hassl-3213	69	3	one	one	NOUN
hassl-3213	69	4	is	be	AUX
hassl-3213	69	5	the	the	DET
hassl-3213	69	6	literature	literature	NOUN
hassl-3213	69	7	on	on	ADP
hassl-3213	69	8	countries	country	NOUN
hassl-3213	69	9	outside	outside	ADP
hassl-3213	69	10	mena	mena	PROPN
hassl-3213	69	11	(	(	PUNCT
hassl-3213	69	12	middle	middle	PROPN
hassl-3213	69	13	east	east	PROPN
hassl-3213	69	14	and	and	CCONJ
hassl-3213	69	15	north	north	PROPN
hassl-3213	69	16	africa	africa	PROPN
hassl-3213	69	17	)	)	PUNCT
hassl-3213	69	18	region	region	NOUN
hassl-3213	69	19	.	.	PUNCT
hassl-3213	70	1	the	the	DET
hassl-3213	70	2	second	second	ADJ
hassl-3213	70	3	part	part	NOUN
hassl-3213	70	4	is	be	AUX
hassl-3213	70	5	literature	literature	NOUN
hassl-3213	70	6	on	on	ADP
hassl-3213	70	7	countries	country	NOUN
hassl-3213	70	8	inside	inside	ADP
hassl-3213	70	9	mena	mena	PROPN
hassl-3213	70	10	region	region	PROPN
hassl-3213	70	11	,	,	PUNCT
hassl-3213	70	12	where	where	SCONJ
hassl-3213	70	13	kuwait	kuwait	PROPN
hassl-3213	70	14	is	be	AUX
hassl-3213	70	15	among	among	ADP
hassl-3213	70	16	the	the	DET
hassl-3213	70	17	second	second	ADJ
hassl-3213	70	18	group	group	NOUN
hassl-3213	70	19	.	.	PUNCT
hassl-3213	71	1	3.1	3.1	NUM
hassl-3213	71	2	.	.	PUNCT
hassl-3213	71	3	literature	literature	NOUN
hassl-3213	71	4	on	on	ADP
hassl-3213	71	5	countries	country	NOUN
hassl-3213	71	6	outside	outside	ADP
hassl-3213	71	7	mena	mena	PROPN
hassl-3213	71	8	region	region	PROPN
hassl-3213	71	9	gelos	gelos	PROPN
hassl-3213	71	10	and	and	CCONJ
hassl-3213	71	11	roldos	roldo	NOUN
hassl-3213	71	12	(	(	PUNCT
hassl-3213	71	13	2002	2002	NUM
hassl-3213	71	14	)	)	PUNCT
hassl-3213	71	15	examined	examine	VERB
hassl-3213	71	16	competitive	competitive	ADJ
hassl-3213	71	17	conditions	condition	NOUN
hassl-3213	71	18	during	during	ADP
hassl-3213	71	19	the1990s	the1990s	PROPN
hassl-3213	71	20	in	in	ADP
hassl-3213	71	21	eight	eight	NUM
hassl-3213	71	22	latin	latin	ADJ
hassl-3213	71	23	american	american	ADJ
hassl-3213	71	24	and	and	CCONJ
hassl-3213	71	25	eastern	eastern	ADJ
hassl-3213	71	26	european	european	ADJ
hassl-3213	71	27	countries	country	NOUN
hassl-3213	71	28	.	.	PUNCT
hassl-3213	72	1	they	they	PRON
hassl-3213	72	2	found	find	VERB
hassl-3213	72	3	that	that	SCONJ
hassl-3213	72	4	the	the	DET
hassl-3213	72	5	h	h	NOUN
hassl-3213	72	6	statistic	statistic	NOUN
hassl-3213	72	7	is	be	AUX
hassl-3213	72	8	lower	low	ADJ
hassl-3213	72	9	as	as	ADP
hassl-3213	72	10	the	the	DET
hassl-3213	72	11	penetration	penetration	NOUN
hassl-3213	72	12	of	of	ADP
hassl-3213	72	13	foreign	foreign	ADJ
hassl-3213	72	14	banks	bank	NOUN
hassl-3213	72	15	increases	increase	VERB
hassl-3213	72	16	;	;	PUNCT
hassl-3213	72	17	however	however	ADV
hassl-3213	72	18	,	,	PUNCT
hassl-3213	72	19	that	that	PRON
hassl-3213	72	20	is	be	AUX
hassl-3213	72	21	not	not	PART
hassl-3213	72	22	due	due	ADJ
hassl-3213	72	23	to	to	ADP
hassl-3213	72	24	the	the	DET
hassl-3213	72	25	increase	increase	NOUN
hassl-3213	72	26	in	in	ADP
hassl-3213	72	27	market	market	NOUN
hassl-3213	72	28	concentration	concentration	NOUN
hassl-3213	72	29	.	.	PUNCT
hassl-3213	73	1	similarly	similarly	ADV
hassl-3213	73	2	,	,	PUNCT
hassl-3213	73	3	yuan	yuan	PROPN
hassl-3213	73	4	(	(	PUNCT
hassl-3213	73	5	2006	2006	NUM
hassl-3213	73	6	)	)	PUNCT
hassl-3213	73	7	found	find	VERB
hassl-3213	73	8	perfect	perfect	ADJ
hassl-3213	73	9	competition	competition	NOUN
hassl-3213	73	10	humanities	humanity	NOUN
hassl-3213	73	11	and	and	CCONJ
hassl-3213	73	12	social	social	ADJ
hassl-3213	73	13	sciences	science	NOUN
hassl-3213	73	14	letters	letter	NOUN
hassl-3213	73	15	,	,	PUNCT
hassl-3213	73	16	2022	2022	NUM
hassl-3213	73	17	,	,	PUNCT
hassl-3213	73	18	10(4	10(4	NUM
hassl-3213	73	19	):	):	PUNCT
hassl-3213	73	20	606	606	NUM
hassl-3213	73	21	-	-	SYM
hassl-3213	73	22	613	613	NUM
hassl-3213	73	23	608	608	NUM
hassl-3213	73	24	©	©	PROPN
hassl-3213	73	25	2022	2022	NUM
hassl-3213	73	26	conscientia	conscientia	PROPN
hassl-3213	73	27	beam	beam	PROPN
hassl-3213	73	28	.	.	PUNCT
hassl-3213	74	1	all	all	DET
hassl-3213	74	2	rights	right	NOUN
hassl-3213	74	3	reserved	reserve	VERB
hassl-3213	74	4	.	.	PUNCT
hassl-3213	75	1	within	within	ADP
hassl-3213	75	2	china	china	PROPN
hassl-3213	75	3	’s	’s	PART
hassl-3213	75	4	financial	financial	ADJ
hassl-3213	75	5	market	market	NOUN
hassl-3213	75	6	,	,	PUNCT
hassl-3213	75	7	before	before	SCONJ
hassl-3213	75	8	foreign	foreign	ADJ
hassl-3213	75	9	banks	bank	NOUN
hassl-3213	75	10	entered	enter	VERB
hassl-3213	75	11	the	the	DET
hassl-3213	75	12	chinese	chinese	ADJ
hassl-3213	75	13	banking	banking	NOUN
hassl-3213	75	14	industry	industry	NOUN
hassl-3213	75	15	.	.	PUNCT
hassl-3213	76	1	furthermore	furthermore	ADV
hassl-3213	76	2	,	,	PUNCT
hassl-3213	76	3	yeyati	yeyati	PROPN
hassl-3213	76	4	and	and	CCONJ
hassl-3213	76	5	micco	micco	PROPN
hassl-3213	76	6	(	(	PUNCT
hassl-3213	76	7	2007	2007	NUM
hassl-3213	76	8	)	)	PUNCT
hassl-3213	76	9	found	find	VERB
hassl-3213	76	10	that	that	SCONJ
hassl-3213	76	11	foreign	foreign	ADJ
hassl-3213	76	12	banks	bank	NOUN
hassl-3213	76	13	’	'	PUNCT
hassl-3213	76	14	penetration	penetration	NOUN
hassl-3213	76	15	weakened	weaken	VERB
hassl-3213	76	16	competition	competition	NOUN
hassl-3213	76	17	.	.	PUNCT
hassl-3213	77	1	afolabi	afolabi	NOUN
hassl-3213	77	2	(	(	PUNCT
hassl-3213	77	3	2018	2018	NUM
hassl-3213	77	4	)	)	PUNCT
hassl-3213	77	5	examined	examine	VERB
hassl-3213	77	6	data	datum	NOUN
hassl-3213	77	7	for	for	ADP
hassl-3213	77	8	ten	ten	NUM
hassl-3213	77	9	banks	bank	NOUN
hassl-3213	77	10	in	in	ADP
hassl-3213	77	11	togo	togo	PROPN
hassl-3213	77	12	for	for	ADP
hassl-3213	77	13	the	the	DET
hassl-3213	77	14	period	period	NOUN
hassl-3213	77	15	of	of	ADP
hassl-3213	77	16	2000	2000	NUM
hassl-3213	77	17	2015	2015	NUM
hassl-3213	77	18	.	.	PUNCT
hassl-3213	78	1	the	the	DET
hassl-3213	78	2	results	result	NOUN
hassl-3213	78	3	of	of	ADP
hassl-3213	78	4	the	the	DET
hassl-3213	78	5	panel	panel	NOUN
hassl-3213	78	6	regressions	regression	NOUN
hassl-3213	78	7	present	present	VERB
hassl-3213	78	8	a	a	DET
hassl-3213	78	9	clear	clear	ADJ
hassl-3213	78	10	tendency	tendency	NOUN
hassl-3213	78	11	to	to	PART
hassl-3213	78	12	oligopoly	oligopoly	VERB
hassl-3213	78	13	in	in	ADP
hassl-3213	78	14	the	the	DET
hassl-3213	78	15	banking	banking	NOUN
hassl-3213	78	16	industry	industry	NOUN
hassl-3213	78	17	.	.	PUNCT
hassl-3213	79	1	the	the	DET
hassl-3213	79	2	results	result	NOUN
hassl-3213	79	3	show	show	VERB
hassl-3213	79	4	also	also	ADV
hassl-3213	79	5	that	that	SCONJ
hassl-3213	79	6	customer	customer	NOUN
hassl-3213	79	7	loans	loan	NOUN
hassl-3213	79	8	and	and	CCONJ
hassl-3213	79	9	inter	inter	ADJ
hassl-3213	79	10	-	-	ADJ
hassl-3213	79	11	bank	bank	ADJ
hassl-3213	79	12	loans	loan	NOUN
hassl-3213	79	13	appear	appear	VERB
hassl-3213	79	14	to	to	PART
hassl-3213	79	15	be	be	AUX
hassl-3213	79	16	the	the	DET
hassl-3213	79	17	main	main	ADJ
hassl-3213	79	18	factors	factor	NOUN
hassl-3213	79	19	affecting	affect	VERB
hassl-3213	79	20	competitiveness	competitiveness	NOUN
hassl-3213	79	21	.	.	PUNCT
hassl-3213	80	1	however	however	ADV
hassl-3213	80	2	,	,	PUNCT
hassl-3213	80	3	the	the	DET
hassl-3213	80	4	size	size	NOUN
hassl-3213	80	5	of	of	ADP
hassl-3213	80	6	the	the	DET
hassl-3213	80	7	bank	bank	NOUN
hassl-3213	80	8	was	be	AUX
hassl-3213	80	9	found	find	VERB
hassl-3213	80	10	to	to	PART
hassl-3213	80	11	have	have	VERB
hassl-3213	80	12	no	no	DET
hassl-3213	80	13	impact	impact	NOUN
hassl-3213	80	14	on	on	ADP
hassl-3213	80	15	the	the	DET
hassl-3213	80	16	competitiveness	competitiveness	NOUN
hassl-3213	80	17	.	.	PUNCT
hassl-3213	81	1	mishra	mishra	PROPN
hassl-3213	81	2	,	,	PUNCT
hassl-3213	81	3	kandel	kandel	NOUN
hassl-3213	81	4	,	,	PUNCT
hassl-3213	81	5	and	and	CCONJ
hassl-3213	81	6	aithal	aithal	NOUN
hassl-3213	81	7	(	(	PUNCT
hassl-3213	81	8	2021	2021	NUM
hassl-3213	81	9	)	)	PUNCT
hassl-3213	81	10	tried	try	VERB
hassl-3213	81	11	to	to	PART
hassl-3213	81	12	evaluate	evaluate	VERB
hassl-3213	81	13	the	the	DET
hassl-3213	81	14	impact	impact	NOUN
hassl-3213	81	15	of	of	ADP
hassl-3213	81	16	size	size	NOUN
hassl-3213	81	17	,	,	PUNCT
hassl-3213	81	18	loans	loan	NOUN
hassl-3213	81	19	and	and	CCONJ
hassl-3213	81	20	deposits	deposit	NOUN
hassl-3213	81	21	,	,	PUNCT
hassl-3213	81	22	inflation	inflation	NOUN
hassl-3213	81	23	,	,	PUNCT
hassl-3213	81	24	and	and	CCONJ
hassl-3213	81	25	capital	capital	NOUN
hassl-3213	81	26	on	on	ADP
hassl-3213	81	27	the	the	DET
hassl-3213	81	28	profitability	profitability	NOUN
hassl-3213	81	29	of	of	ADP
hassl-3213	81	30	the	the	DET
hassl-3213	81	31	banks	bank	NOUN
hassl-3213	81	32	in	in	ADP
hassl-3213	81	33	nepal	nepal	NOUN
hassl-3213	81	34	for	for	ADP
hassl-3213	81	35	the	the	DET
hassl-3213	81	36	period	period	NOUN
hassl-3213	81	37	of	of	ADP
hassl-3213	81	38	2013	2013	NUM
hassl-3213	81	39	2019	2019	NUM
hassl-3213	81	40	.	.	PUNCT
hassl-3213	82	1	the	the	DET
hassl-3213	82	2	sample	sample	NOUN
hassl-3213	82	3	of	of	ADP
hassl-3213	82	4	this	this	DET
hassl-3213	82	5	study	study	NOUN
hassl-3213	82	6	covered	cover	VERB
hassl-3213	82	7	seven	seven	NUM
hassl-3213	82	8	commercial	commercial	ADJ
hassl-3213	82	9	banks	bank	NOUN
hassl-3213	82	10	.	.	PUNCT
hassl-3213	83	1	the	the	DET
hassl-3213	83	2	results	result	NOUN
hassl-3213	83	3	of	of	ADP
hassl-3213	83	4	the	the	DET
hassl-3213	83	5	regression	regression	NOUN
hassl-3213	83	6	model	model	NOUN
hassl-3213	83	7	showed	show	VERB
hassl-3213	83	8	that	that	SCONJ
hassl-3213	83	9	the	the	DET
hassl-3213	83	10	performance	performance	NOUN
hassl-3213	83	11	of	of	ADP
hassl-3213	83	12	banks	bank	NOUN
hassl-3213	83	13	was	be	AUX
hassl-3213	83	14	heavily	heavily	ADV
hassl-3213	83	15	affected	affect	VERB
hassl-3213	83	16	by	by	ADP
hassl-3213	83	17	macroeconomic	macroeconomic	ADJ
hassl-3213	83	18	variables	variable	NOUN
hassl-3213	83	19	like	like	ADP
hassl-3213	83	20	inflation	inflation	NOUN
hassl-3213	83	21	.	.	PUNCT
hassl-3213	84	1	other	other	ADJ
hassl-3213	84	2	literature	literature	NOUN
hassl-3213	84	3	examined	examine	VERB
hassl-3213	84	4	the	the	DET
hassl-3213	84	5	factors	factor	NOUN
hassl-3213	84	6	that	that	PRON
hassl-3213	84	7	affect	affect	VERB
hassl-3213	84	8	the	the	DET
hassl-3213	84	9	performance	performance	NOUN
hassl-3213	84	10	of	of	ADP
hassl-3213	84	11	the	the	DET
hassl-3213	84	12	banking	banking	NOUN
hassl-3213	84	13	sector	sector	NOUN
hassl-3213	84	14	.	.	PUNCT
hassl-3213	85	1	zogjani	zogjani	PROPN
hassl-3213	85	2	,	,	PUNCT
hassl-3213	85	3	kelmendi	kelmendi	PROPN
hassl-3213	85	4	,	,	PUNCT
hassl-3213	85	5	humolli	humolli	PROPN
hassl-3213	85	6	,	,	PUNCT
hassl-3213	85	7	and	and	CCONJ
hassl-3213	85	8	raçi	raçi	NOUN
hassl-3213	85	9	(	(	PUNCT
hassl-3213	85	10	2016	2016	NUM
hassl-3213	85	11	)	)	PUNCT
hassl-3213	85	12	analyzed	analyze	VERB
hassl-3213	85	13	the	the	DET
hassl-3213	85	14	impact	impact	NOUN
hassl-3213	85	15	of	of	ADP
hassl-3213	85	16	performance	performance	NOUN
hassl-3213	85	17	in	in	ADP
hassl-3213	85	18	the	the	DET
hassl-3213	85	19	banking	banking	NOUN
hassl-3213	85	20	sector	sector	NOUN
hassl-3213	85	21	of	of	ADP
hassl-3213	85	22	kosovo	kosovo	PROPN
hassl-3213	85	23	for	for	ADP
hassl-3213	85	24	the	the	DET
hassl-3213	85	25	period	period	NOUN
hassl-3213	85	26	2009	2009	NUM
hassl-3213	85	27	2014	2014	NUM
hassl-3213	85	28	.	.	PUNCT
hassl-3213	86	1	the	the	DET
hassl-3213	86	2	results	result	NOUN
hassl-3213	86	3	showed	show	VERB
hassl-3213	86	4	that	that	SCONJ
hassl-3213	86	5	the	the	DET
hassl-3213	86	6	interest	interest	NOUN
hassl-3213	86	7	rate	rate	NOUN
hassl-3213	86	8	of	of	ADP
hassl-3213	86	9	loans	loan	NOUN
hassl-3213	86	10	and	and	CCONJ
hassl-3213	86	11	capital	capital	NOUN
hassl-3213	86	12	adequacy	adequacy	NOUN
hassl-3213	86	13	ratio	ratio	NOUN
hassl-3213	86	14	have	have	VERB
hassl-3213	86	15	a	a	DET
hassl-3213	86	16	positive	positive	ADJ
hassl-3213	86	17	impact	impact	NOUN
hassl-3213	86	18	on	on	ADP
hassl-3213	86	19	the	the	DET
hassl-3213	86	20	banking	banking	NOUN
hassl-3213	86	21	sector	sector	NOUN
hassl-3213	86	22	but	but	CCONJ
hassl-3213	86	23	the	the	DET
hassl-3213	86	24	nonperforming	nonperforme	VERB
hassl-3213	86	25	loans	loan	NOUN
hassl-3213	86	26	ratio	ratio	NOUN
hassl-3213	86	27	had	have	VERB
hassl-3213	86	28	a	a	DET
hassl-3213	86	29	negative	negative	ADJ
hassl-3213	86	30	impact	impact	NOUN
hassl-3213	86	31	.	.	PUNCT
hassl-3213	87	1	tailab	tailab	NOUN
hassl-3213	87	2	(	(	PUNCT
hassl-3213	87	3	2014	2014	NUM
hassl-3213	87	4	)	)	PUNCT
hassl-3213	87	5	studied	study	VERB
hassl-3213	87	6	the	the	DET
hassl-3213	87	7	factors	factor	NOUN
hassl-3213	87	8	affecting	affect	VERB
hassl-3213	87	9	financial	financial	ADJ
hassl-3213	87	10	performance	performance	NOUN
hassl-3213	87	11	in	in	ADP
hassl-3213	87	12	the	the	DET
hassl-3213	87	13	united	united	PROPN
hassl-3213	87	14	states	states	PROPN
hassl-3213	87	15	for	for	ADP
hassl-3213	87	16	the	the	DET
hassl-3213	87	17	period	period	NOUN
hassl-3213	87	18	2009	2009	NUM
hassl-3213	87	19	2013	2013	NUM
hassl-3213	87	20	.	.	PUNCT
hassl-3213	88	1	the	the	DET
hassl-3213	88	2	financial	financial	ADJ
hassl-3213	88	3	performance	performance	NOUN
hassl-3213	88	4	was	be	AUX
hassl-3213	88	5	proxied	proxie	VERB
hassl-3213	88	6	by	by	ADP
hassl-3213	88	7	the	the	DET
hassl-3213	88	8	return	return	NOUN
hassl-3213	88	9	on	on	ADP
hassl-3213	88	10	assets	asset	NOUN
hassl-3213	88	11	.	.	PUNCT
hassl-3213	89	1	the	the	DET
hassl-3213	89	2	results	result	NOUN
hassl-3213	89	3	of	of	ADP
hassl-3213	89	4	the	the	DET
hassl-3213	89	5	paper	paper	NOUN
hassl-3213	89	6	found	find	VERB
hassl-3213	89	7	that	that	SCONJ
hassl-3213	89	8	inventory	inventory	NOUN
hassl-3213	89	9	,	,	PUNCT
hassl-3213	89	10	growth	growth	NOUN
hassl-3213	89	11	,	,	PUNCT
hassl-3213	89	12	and	and	CCONJ
hassl-3213	89	13	leverage	leverage	NOUN
hassl-3213	89	14	have	have	VERB
hassl-3213	89	15	negative	negative	ADJ
hassl-3213	89	16	significant	significant	ADJ
hassl-3213	89	17	impacts	impact	NOUN
hassl-3213	89	18	on	on	ADP
hassl-3213	89	19	return	return	NOUN
hassl-3213	89	20	on	on	ADP
hassl-3213	89	21	assets	asset	NOUN
hassl-3213	89	22	,	,	PUNCT
hassl-3213	89	23	while	while	SCONJ
hassl-3213	89	24	size	size	NOUN
hassl-3213	89	25	and	and	CCONJ
hassl-3213	89	26	liquidity	liquidity	NOUN
hassl-3213	89	27	have	have	VERB
hassl-3213	89	28	positive	positive	ADJ
hassl-3213	89	29	significant	significant	ADJ
hassl-3213	89	30	impacts	impact	NOUN
hassl-3213	89	31	on	on	ADP
hassl-3213	89	32	profitability	profitability	NOUN
hassl-3213	89	33	.	.	PUNCT
hassl-3213	90	1	finally	finally	ADV
hassl-3213	90	2	,	,	PUNCT
hassl-3213	90	3	kiseľáková	kiseľáková	PROPN
hassl-3213	90	4	,	,	PUNCT
hassl-3213	90	5	hečková	hečková	NOUN
hassl-3213	90	6	,	,	PUNCT
hassl-3213	90	7	and	and	CCONJ
hassl-3213	90	8	chapčáková	chapčáková	NOUN
hassl-3213	90	9	(	(	PUNCT
hassl-3213	90	10	2013	2013	NUM
hassl-3213	90	11	)	)	PUNCT
hassl-3213	90	12	examined	examine	VERB
hassl-3213	90	13	the	the	DET
hassl-3213	90	14	variables	variable	NOUN
hassl-3213	90	15	that	that	PRON
hassl-3213	90	16	affect	affect	VERB
hassl-3213	90	17	the	the	DET
hassl-3213	90	18	competitiveness	competitiveness	NOUN
hassl-3213	90	19	level	level	NOUN
hassl-3213	90	20	of	of	ADP
hassl-3213	90	21	the	the	DET
hassl-3213	90	22	banking	banking	NOUN
hassl-3213	90	23	sector	sector	NOUN
hassl-3213	90	24	in	in	ADP
hassl-3213	90	25	slovakia	slovakia	PROPN
hassl-3213	90	26	.	.	PUNCT
hassl-3213	91	1	the	the	DET
hassl-3213	91	2	methodology	methodology	NOUN
hassl-3213	91	3	of	of	ADP
hassl-3213	91	4	this	this	DET
hassl-3213	91	5	paper	paper	NOUN
hassl-3213	91	6	included	include	VERB
hassl-3213	91	7	using	use	VERB
hassl-3213	91	8	various	various	ADJ
hassl-3213	91	9	simple	simple	ADJ
hassl-3213	91	10	and	and	CCONJ
hassl-3213	91	11	multiple	multiple	ADJ
hassl-3213	91	12	regression	regression	NOUN
hassl-3213	91	13	models	model	NOUN
hassl-3213	91	14	that	that	PRON
hassl-3213	91	15	incorporated	incorporate	VERB
hassl-3213	91	16	a	a	DET
hassl-3213	91	17	number	number	NOUN
hassl-3213	91	18	of	of	ADP
hassl-3213	91	19	economic	economic	ADJ
hassl-3213	91	20	variables	variable	NOUN
hassl-3213	91	21	.	.	PUNCT
hassl-3213	92	1	the	the	DET
hassl-3213	92	2	aim	aim	NOUN
hassl-3213	92	3	of	of	ADP
hassl-3213	92	4	using	use	VERB
hassl-3213	92	5	these	these	DET
hassl-3213	92	6	models	model	NOUN
hassl-3213	92	7	was	be	AUX
hassl-3213	92	8	to	to	PART
hassl-3213	92	9	obtain	obtain	VERB
hassl-3213	92	10	the	the	DET
hassl-3213	92	11	real	real	ADJ
hassl-3213	92	12	impacts	impact	NOUN
hassl-3213	92	13	on	on	ADP
hassl-3213	92	14	the	the	DET
hassl-3213	92	15	banking	banking	NOUN
hassl-3213	92	16	sector	sector	NOUN
hassl-3213	92	17	in	in	ADP
hassl-3213	92	18	slovakia	slovakia	PROPN
hassl-3213	92	19	.	.	PUNCT
hassl-3213	93	1	the	the	DET
hassl-3213	93	2	study	study	NOUN
hassl-3213	93	3	covered	cover	VERB
hassl-3213	93	4	two	two	NUM
hassl-3213	93	5	overlapping	overlap	VERB
hassl-3213	93	6	periods	period	NOUN
hassl-3213	93	7	:	:	PUNCT
hassl-3213	93	8	(	(	PUNCT
hassl-3213	93	9	2004	2004	NUM
hassl-3213	93	10	2010	2010	NUM
hassl-3213	93	11	)	)	PUNCT
hassl-3213	93	12	and	and	CCONJ
hassl-3213	93	13	(	(	PUNCT
hassl-3213	93	14	2001	2001	NUM
hassl-3213	93	15	2010	2010	NUM
hassl-3213	93	16	)	)	PUNCT
hassl-3213	93	17	.	.	PUNCT
hassl-3213	94	1	the	the	DET
hassl-3213	94	2	findings	finding	NOUN
hassl-3213	94	3	of	of	ADP
hassl-3213	94	4	the	the	DET
hassl-3213	94	5	paper	paper	NOUN
hassl-3213	94	6	revealed	reveal	VERB
hassl-3213	94	7	that	that	SCONJ
hassl-3213	94	8	development	development	NOUN
hassl-3213	94	9	and	and	CCONJ
hassl-3213	94	10	the	the	DET
hassl-3213	94	11	competitiveness	competitiveness	NOUN
hassl-3213	94	12	of	of	ADP
hassl-3213	94	13	the	the	DET
hassl-3213	94	14	banking	banking	NOUN
hassl-3213	94	15	sector	sector	NOUN
hassl-3213	94	16	was	be	AUX
hassl-3213	94	17	affected	affect	VERB
hassl-3213	94	18	by	by	ADP
hassl-3213	94	19	a	a	DET
hassl-3213	94	20	number	number	NOUN
hassl-3213	94	21	of	of	ADP
hassl-3213	94	22	variables	variable	NOUN
hassl-3213	94	23	.	.	PUNCT
hassl-3213	95	1	examples	example	NOUN
hassl-3213	95	2	of	of	ADP
hassl-3213	95	3	these	these	DET
hassl-3213	95	4	factors	factor	NOUN
hassl-3213	95	5	are	be	AUX
hassl-3213	95	6	:	:	PUNCT
hassl-3213	95	7	the	the	DET
hassl-3213	95	8	liquidity	liquidity	NOUN
hassl-3213	95	9	levels	level	NOUN
hassl-3213	95	10	,	,	PUNCT
hassl-3213	95	11	the	the	DET
hassl-3213	95	12	types	type	NOUN
hassl-3213	95	13	of	of	ADP
hassl-3213	95	14	assets	asset	NOUN
hassl-3213	95	15	especially	especially	ADV
hassl-3213	95	16	the	the	DET
hassl-3213	95	17	item	item	NOUN
hassl-3213	95	18	loans	loan	NOUN
hassl-3213	95	19	,	,	PUNCT
hassl-3213	95	20	the	the	DET
hassl-3213	95	21	interest	interest	NOUN
hassl-3213	95	22	policy	policy	NOUN
hassl-3213	95	23	,	,	PUNCT
hassl-3213	95	24	and	and	CCONJ
hassl-3213	95	25	the	the	DET
hassl-3213	95	26	progress	progress	NOUN
hassl-3213	95	27	profitability	profitability	NOUN
hassl-3213	95	28	rates	rate	NOUN
hassl-3213	95	29	.	.	PUNCT
hassl-3213	96	1	3.2	3.2	NUM
hassl-3213	96	2	.	.	PUNCT
hassl-3213	96	3	literature	literature	NOUN
hassl-3213	96	4	on	on	ADP
hassl-3213	96	5	the	the	DET
hassl-3213	96	6	mena	mena	PROPN
hassl-3213	96	7	region	region	PROPN
hassl-3213	96	8	turk	turk	PROPN
hassl-3213	96	9	-	-	PUNCT
hassl-3213	96	10	ariss	ariss	PROPN
hassl-3213	96	11	(	(	PUNCT
hassl-3213	96	12	2009	2009	NUM
hassl-3213	96	13	)	)	PUNCT
hassl-3213	96	14	analyzed	analyze	VERB
hassl-3213	96	15	competition	competition	NOUN
hassl-3213	96	16	in	in	ADP
hassl-3213	96	17	mena	mena	PROPN
hassl-3213	96	18	countries	country	NOUN
hassl-3213	96	19	and	and	CCONJ
hassl-3213	96	20	reported	report	VERB
hassl-3213	96	21	that	that	SCONJ
hassl-3213	96	22	the	the	DET
hassl-3213	96	23	middle	middle	PROPN
hassl-3213	96	24	east	east	PROPN
hassl-3213	96	25	market	market	NOUN
hassl-3213	96	26	structure	structure	NOUN
hassl-3213	96	27	is	be	AUX
hassl-3213	96	28	characterized	characterize	VERB
hassl-3213	96	29	as	as	ADP
hassl-3213	96	30	near	near	ADP
hassl-3213	96	31	monopolistic	monopolistic	ADJ
hassl-3213	96	32	,	,	PUNCT
hassl-3213	96	33	while	while	SCONJ
hassl-3213	96	34	the	the	DET
hassl-3213	96	35	north	north	PROPN
hassl-3213	96	36	africa	africa	PROPN
hassl-3213	96	37	structure	structure	NOUN
hassl-3213	96	38	could	could	AUX
hassl-3213	96	39	be	be	AUX
hassl-3213	96	40	characterized	characterize	VERB
hassl-3213	96	41	as	as	ADP
hassl-3213	96	42	monopolistic	monopolistic	ADJ
hassl-3213	96	43	.	.	PUNCT
hassl-3213	97	1	another	another	DET
hassl-3213	97	2	study	study	NOUN
hassl-3213	97	3	by	by	ADP
hassl-3213	97	4	anzoategui	anzoategui	PROPN
hassl-3213	97	5	,	,	PUNCT
hassl-3213	97	6	pería	pería	NOUN
hassl-3213	97	7	,	,	PUNCT
hassl-3213	97	8	and	and	CCONJ
hassl-3213	97	9	rocha	rocha	PROPN
hassl-3213	97	10	(	(	PUNCT
hassl-3213	97	11	2010	2010	NUM
hassl-3213	97	12	)	)	PUNCT
hassl-3213	97	13	examined	examine	VERB
hassl-3213	97	14	the	the	DET
hassl-3213	97	15	level	level	NOUN
hassl-3213	97	16	of	of	ADP
hassl-3213	97	17	competition	competition	NOUN
hassl-3213	97	18	in	in	ADP
hassl-3213	97	19	banking	banking	NOUN
hassl-3213	97	20	sector	sector	NOUN
hassl-3213	97	21	in	in	ADP
hassl-3213	97	22	the	the	DET
hassl-3213	97	23	mena	mena	PROPN
hassl-3213	97	24	region	region	PROPN
hassl-3213	97	25	during	during	ADP
hassl-3213	97	26	the	the	DET
hassl-3213	97	27	period	period	NOUN
hassl-3213	97	28	1994	1994	NUM
hassl-3213	97	29	–	–	PUNCT
hassl-3213	97	30	2008	2008	NUM
hassl-3213	97	31	.	.	PUNCT
hassl-3213	98	1	they	they	PRON
hassl-3213	98	2	used	use	VERB
hassl-3213	98	3	two	two	NUM
hassl-3213	98	4	different	different	ADJ
hassl-3213	98	5	methodologies	methodology	NOUN
hassl-3213	98	6	:	:	PUNCT
hassl-3213	98	7	lerner	lerner	PROPN
hassl-3213	98	8	index	index	PROPN
hassl-3213	98	9	and	and	CCONJ
hassl-3213	98	10	h	h	NOUN
hassl-3213	98	11	statistic	statistic	NOUN
hassl-3213	98	12	.	.	PUNCT
hassl-3213	99	1	the	the	DET
hassl-3213	99	2	results	result	NOUN
hassl-3213	99	3	of	of	ADP
hassl-3213	99	4	both	both	DET
hassl-3213	99	5	models	model	NOUN
hassl-3213	99	6	confirm	confirm	VERB
hassl-3213	99	7	that	that	SCONJ
hassl-3213	99	8	the	the	DET
hassl-3213	99	9	level	level	NOUN
hassl-3213	99	10	of	of	ADP
hassl-3213	99	11	competition	competition	NOUN
hassl-3213	99	12	in	in	ADP
hassl-3213	99	13	the	the	DET
hassl-3213	99	14	banking	banking	NOUN
hassl-3213	99	15	sector	sector	NOUN
hassl-3213	99	16	in	in	ADP
hassl-3213	99	17	the	the	DET
hassl-3213	99	18	mena	mena	PROPN
hassl-3213	99	19	region	region	PROPN
hassl-3213	99	20	is	be	AUX
hassl-3213	99	21	lower	low	ADJ
hassl-3213	99	22	relative	relative	ADJ
hassl-3213	99	23	to	to	ADP
hassl-3213	99	24	other	other	ADJ
hassl-3213	99	25	regions	region	NOUN
hassl-3213	99	26	.	.	PUNCT
hassl-3213	100	1	according	accord	VERB
hassl-3213	100	2	to	to	ADP
hassl-3213	100	3	the	the	DET
hassl-3213	100	4	authors	author	NOUN
hassl-3213	100	5	,	,	PUNCT
hassl-3213	100	6	one	one	NUM
hassl-3213	100	7	possible	possible	ADJ
hassl-3213	100	8	explanation	explanation	NOUN
hassl-3213	100	9	for	for	ADP
hassl-3213	100	10	that	that	DET
hassl-3213	100	11	result	result	NOUN
hassl-3213	100	12	could	could	AUX
hassl-3213	100	13	be	be	AUX
hassl-3213	100	14	the	the	DET
hassl-3213	100	15	region	region	NOUN
hassl-3213	100	16	’s	’s	PART
hassl-3213	100	17	bad	bad	ADJ
hassl-3213	100	18	credit	credit	NOUN
hassl-3213	100	19	information	information	NOUN
hassl-3213	100	20	environment	environment	NOUN
hassl-3213	100	21	.	.	PUNCT
hassl-3213	101	1	açıkalın	açıkalın	NOUN
hassl-3213	101	2	and	and	CCONJ
hassl-3213	101	3	sakınç	sakınç	NOUN
hassl-3213	101	4	(	(	PUNCT
hassl-3213	101	5	2015	2015	NUM
hassl-3213	101	6	)	)	PUNCT
hassl-3213	101	7	aimed	aim	VERB
hassl-3213	101	8	at	at	ADP
hassl-3213	101	9	measuring	measure	VERB
hassl-3213	101	10	the	the	DET
hassl-3213	101	11	degree	degree	NOUN
hassl-3213	101	12	of	of	ADP
hassl-3213	101	13	competition	competition	NOUN
hassl-3213	101	14	in	in	ADP
hassl-3213	101	15	the	the	DET
hassl-3213	101	16	turkish	turkish	ADJ
hassl-3213	101	17	banking	banking	NOUN
hassl-3213	101	18	sector	sector	NOUN
hassl-3213	101	19	during	during	ADP
hassl-3213	101	20	the	the	DET
hassl-3213	101	21	period	period	NOUN
hassl-3213	101	22	of	of	ADP
hassl-3213	101	23	2002	2002	NUM
hassl-3213	101	24	-	-	SYM
hassl-3213	101	25	2013	2013	NUM
hassl-3213	101	26	.	.	PUNCT
hassl-3213	102	1	this	this	DET
hassl-3213	102	2	time	time	NOUN
hassl-3213	102	3	period	period	NOUN
hassl-3213	102	4	is	be	AUX
hassl-3213	102	5	very	very	ADV
hassl-3213	102	6	important	important	ADJ
hassl-3213	102	7	especially	especially	ADV
hassl-3213	102	8	it	it	PRON
hassl-3213	102	9	follows	follow	VERB
hassl-3213	102	10	the	the	DET
hassl-3213	102	11	major	major	ADJ
hassl-3213	102	12	reforms	reform	NOUN
hassl-3213	102	13	which	which	PRON
hassl-3213	102	14	were	be	AUX
hassl-3213	102	15	introduced	introduce	VERB
hassl-3213	102	16	into	into	ADP
hassl-3213	102	17	this	this	DET
hassl-3213	102	18	sector	sector	NOUN
hassl-3213	102	19	after	after	ADP
hassl-3213	102	20	2000	2000	NUM
hassl-3213	102	21	.	.	PUNCT
hassl-3213	103	1	the	the	DET
hassl-3213	103	2	paper	paper	NOUN
hassl-3213	103	3	analyzed	analyze	VERB
hassl-3213	103	4	the	the	DET
hassl-3213	103	5	data	datum	NOUN
hassl-3213	103	6	of	of	ADP
hassl-3213	103	7	22	22	NUM
hassl-3213	103	8	banks	bank	NOUN
hassl-3213	103	9	.	.	PUNCT
hassl-3213	104	1	the	the	DET
hassl-3213	104	2	paper	paper	NOUN
hassl-3213	104	3	used	use	VERB
hassl-3213	104	4	the	the	DET
hassl-3213	104	5	panzar	panzar	NOUN
hassl-3213	104	6	and	and	CCONJ
hassl-3213	104	7	rosse	rosse	PROPN
hassl-3213	104	8	(	(	PUNCT
hassl-3213	104	9	1987	1987	NUM
hassl-3213	104	10	)	)	PUNCT
hassl-3213	104	11	model	model	NOUN
hassl-3213	104	12	,	,	PUNCT
hassl-3213	104	13	which	which	PRON
hassl-3213	104	14	was	be	AUX
hassl-3213	104	15	assessed	assess	VERB
hassl-3213	104	16	using	use	VERB
hassl-3213	104	17	the	the	DET
hassl-3213	104	18	method	method	NOUN
hassl-3213	104	19	of	of	ADP
hassl-3213	104	20	pooled	pool	VERB
hassl-3213	104	21	generalized	generalized	ADJ
hassl-3213	104	22	least	least	ADJ
hassl-3213	104	23	square	square	ADJ
hassl-3213	104	24	.	.	PUNCT
hassl-3213	105	1	the	the	DET
hassl-3213	105	2	value	value	NOUN
hassl-3213	105	3	of	of	ADP
hassl-3213	105	4	the	the	DET
hassl-3213	105	5	h	h	NOUN
hassl-3213	105	6	statistic	statistic	NOUN
hassl-3213	105	7	was	be	AUX
hassl-3213	105	8	0.599	0.599	NUM
hassl-3213	105	9	.	.	PUNCT
hassl-3213	106	1	this	this	PRON
hassl-3213	106	2	shows	show	VERB
hassl-3213	106	3	that	that	SCONJ
hassl-3213	106	4	the	the	DET
hassl-3213	106	5	type	type	NOUN
hassl-3213	106	6	of	of	ADP
hassl-3213	106	7	market	market	NOUN
hassl-3213	106	8	that	that	PRON
hassl-3213	106	9	applies	apply	VERB
hassl-3213	106	10	to	to	ADP
hassl-3213	106	11	the	the	DET
hassl-3213	106	12	turkish	turkish	ADJ
hassl-3213	106	13	banking	banking	NOUN
hassl-3213	106	14	sector	sector	NOUN
hassl-3213	106	15	is	be	AUX
hassl-3213	106	16	close	close	ADJ
hassl-3213	106	17	to	to	ADP
hassl-3213	106	18	the	the	DET
hassl-3213	106	19	monopolistic	monopolistic	ADJ
hassl-3213	106	20	competition	competition	NOUN
hassl-3213	106	21	market	market	NOUN
hassl-3213	106	22	.	.	PUNCT
hassl-3213	107	1	the	the	DET
hassl-3213	107	2	jordanian	jordanian	ADJ
hassl-3213	107	3	banking	banking	NOUN
hassl-3213	107	4	sector	sector	NOUN
hassl-3213	107	5	was	be	AUX
hassl-3213	107	6	examined	examine	VERB
hassl-3213	107	7	by	by	ADP
hassl-3213	107	8	al	al	PROPN
hassl-3213	107	9	-	-	PUNCT
hassl-3213	107	10	qaisi	qaisi	PROPN
hassl-3213	107	11	(	(	PUNCT
hassl-3213	107	12	2016	2016	NUM
hassl-3213	107	13	)	)	PUNCT
hassl-3213	107	14	during	during	ADP
hassl-3213	107	15	the	the	DET
hassl-3213	107	16	time	time	NOUN
hassl-3213	107	17	period	period	NOUN
hassl-3213	107	18	2009	2009	NUM
hassl-3213	107	19	2015	2015	NUM
hassl-3213	107	20	.	.	PUNCT
hassl-3213	108	1	the	the	DET
hassl-3213	108	2	study	study	NOUN
hassl-3213	108	3	evaluated	evaluate	VERB
hassl-3213	108	4	the	the	DET
hassl-3213	108	5	degrees	degree	NOUN
hassl-3213	108	6	of	of	ADP
hassl-3213	108	7	competition	competition	NOUN
hassl-3213	108	8	in	in	ADP
hassl-3213	108	9	this	this	DET
hassl-3213	108	10	sector	sector	NOUN
hassl-3213	108	11	using	use	VERB
hassl-3213	108	12	the	the	DET
hassl-3213	108	13	panzar	panzar	NOUN
hassl-3213	108	14	-	-	PUNCT
hassl-3213	108	15	rosse	rosse	NOUN
hassl-3213	108	16	model	model	NOUN
hassl-3213	108	17	.	.	PUNCT
hassl-3213	109	1	the	the	DET
hassl-3213	109	2	sample	sample	NOUN
hassl-3213	109	3	of	of	ADP
hassl-3213	109	4	the	the	DET
hassl-3213	109	5	study	study	NOUN
hassl-3213	109	6	comprised	comprise	VERB
hassl-3213	109	7	13	13	NUM
hassl-3213	109	8	banks	bank	NOUN
hassl-3213	109	9	and	and	CCONJ
hassl-3213	109	10	the	the	DET
hassl-3213	109	11	methodology	methodology	NOUN
hassl-3213	109	12	used	use	VERB
hassl-3213	109	13	to	to	PART
hassl-3213	109	14	assess	assess	VERB
hassl-3213	109	15	the	the	DET
hassl-3213	109	16	model	model	NOUN
hassl-3213	109	17	was	be	AUX
hassl-3213	109	18	the	the	DET
hassl-3213	109	19	pooled	pool	VERB
hassl-3213	109	20	data	data	NOUN
hassl-3213	109	21	regression	regression	NOUN
hassl-3213	109	22	.	.	PUNCT
hassl-3213	110	1	the	the	DET
hassl-3213	110	2	main	main	ADJ
hassl-3213	110	3	result	result	NOUN
hassl-3213	110	4	of	of	ADP
hassl-3213	110	5	the	the	DET
hassl-3213	110	6	paper	paper	NOUN
hassl-3213	110	7	was	be	AUX
hassl-3213	110	8	finding	find	VERB
hassl-3213	110	9	the	the	DET
hassl-3213	110	10	value	value	NOUN
hassl-3213	110	11	of	of	ADP
hassl-3213	110	12	the	the	DET
hassl-3213	110	13	h	h	NOUN
hassl-3213	110	14	statistic	statistic	NOUN
hassl-3213	110	15	to	to	PART
hassl-3213	110	16	be	be	AUX
hassl-3213	110	17	0.311	0.311	NUM
hassl-3213	110	18	.	.	PUNCT
hassl-3213	111	1	this	this	DET
hassl-3213	111	2	value	value	NOUN
hassl-3213	111	3	indicates	indicate	VERB
hassl-3213	111	4	that	that	SCONJ
hassl-3213	111	5	the	the	DET
hassl-3213	111	6	banking	banking	NOUN
hassl-3213	111	7	sector	sector	NOUN
hassl-3213	111	8	works	work	VERB
hassl-3213	111	9	in	in	ADP
hassl-3213	111	10	monopolistic	monopolistic	ADJ
hassl-3213	111	11	competitive	competitive	ADJ
hassl-3213	111	12	conditions	condition	NOUN
hassl-3213	111	13	and	and	CCONJ
hassl-3213	111	14	is	be	AUX
hassl-3213	111	15	still	still	ADV
hassl-3213	111	16	very	very	ADV
hassl-3213	111	17	close	close	ADJ
hassl-3213	111	18	to	to	ADP
hassl-3213	111	19	the	the	DET
hassl-3213	111	20	monopoly	monopoly	NOUN
hassl-3213	111	21	behavior	behavior	NOUN
hassl-3213	111	22	.	.	PUNCT
hassl-3213	112	1	abugamea	abugamea	PROPN
hassl-3213	112	2	(	(	PUNCT
hassl-3213	112	3	2018	2018	NUM
hassl-3213	112	4	)	)	PUNCT
hassl-3213	112	5	examined	examine	VERB
hassl-3213	112	6	humanities	humanity	NOUN
hassl-3213	112	7	and	and	CCONJ
hassl-3213	112	8	social	social	ADJ
hassl-3213	112	9	sciences	science	NOUN
hassl-3213	112	10	letters	letter	NOUN
hassl-3213	112	11	,	,	PUNCT
hassl-3213	112	12	2022	2022	NUM
hassl-3213	112	13	,	,	PUNCT
hassl-3213	112	14	10(4	10(4	NUM
hassl-3213	112	15	):	):	PUNCT
hassl-3213	112	16	606	606	NUM
hassl-3213	112	17	-	-	SYM
hassl-3213	112	18	613	613	NUM
hassl-3213	112	19	609	609	NUM
hassl-3213	112	20	©	©	PROPN
hassl-3213	112	21	2022	2022	NUM
hassl-3213	112	22	conscientia	conscientia	PROPN
hassl-3213	112	23	beam	beam	PROPN
hassl-3213	112	24	.	.	PUNCT
hassl-3213	113	1	all	all	DET
hassl-3213	113	2	rights	right	NOUN
hassl-3213	113	3	reserved	reserve	VERB
hassl-3213	113	4	.	.	PUNCT
hassl-3213	114	1	the	the	DET
hassl-3213	114	2	impact	impact	NOUN
hassl-3213	114	3	of	of	ADP
hassl-3213	114	4	some	some	DET
hassl-3213	114	5	banking	banking	NOUN
hassl-3213	114	6	indicators	indicator	NOUN
hassl-3213	114	7	’	’	PART
hassl-3213	114	8	main	main	ADJ
hassl-3213	114	9	macroeconomic	macroeconomic	ADJ
hassl-3213	114	10	variables	variable	NOUN
hassl-3213	114	11	on	on	ADP
hassl-3213	114	12	the	the	DET
hassl-3213	114	13	profitability	profitability	NOUN
hassl-3213	114	14	and	and	CCONJ
hassl-3213	114	15	performance	performance	NOUN
hassl-3213	114	16	of	of	ADP
hassl-3213	114	17	the	the	DET
hassl-3213	114	18	banking	banking	NOUN
hassl-3213	114	19	sector	sector	NOUN
hassl-3213	114	20	of	of	ADP
hassl-3213	114	21	palestine	palestine	PROPN
hassl-3213	114	22	over	over	ADP
hassl-3213	114	23	the	the	DET
hassl-3213	114	24	period	period	NOUN
hassl-3213	114	25	1995	1995	NUM
hassl-3213	114	26	-	-	SYM
hassl-3213	114	27	2015	2015	NUM
hassl-3213	114	28	.	.	PUNCT
hassl-3213	115	1	using	use	VERB
hassl-3213	115	2	the	the	DET
hassl-3213	115	3	ordinary	ordinary	ADJ
hassl-3213	115	4	least	least	ADJ
hassl-3213	115	5	square	square	ADJ
hassl-3213	115	6	method	method	NOUN
hassl-3213	115	7	,	,	PUNCT
hassl-3213	115	8	abugamea	abugamea	PROPN
hassl-3213	115	9	found	find	VERB
hassl-3213	115	10	that	that	DET
hassl-3213	115	11	size	size	NOUN
hassl-3213	115	12	,	,	PUNCT
hassl-3213	115	13	loans	loan	NOUN
hassl-3213	115	14	,	,	PUNCT
hassl-3213	115	15	and	and	CCONJ
hassl-3213	115	16	capital	capital	NOUN
hassl-3213	115	17	had	have	VERB
hassl-3213	115	18	positive	positive	ADJ
hassl-3213	115	19	impacts	impact	NOUN
hassl-3213	115	20	on	on	ADP
hassl-3213	115	21	the	the	DET
hassl-3213	115	22	performance	performance	NOUN
hassl-3213	115	23	of	of	ADP
hassl-3213	115	24	banks	bank	NOUN
hassl-3213	115	25	as	as	SCONJ
hassl-3213	115	26	represented	represent	VERB
hassl-3213	115	27	by	by	ADP
hassl-3213	115	28	either	either	CCONJ
hassl-3213	115	29	return	return	NOUN
hassl-3213	115	30	on	on	ADP
hassl-3213	115	31	assets	asset	NOUN
hassl-3213	115	32	or	or	CCONJ
hassl-3213	115	33	return	return	VERB
hassl-3213	115	34	on	on	ADP
hassl-3213	115	35	equities	equity	NOUN
hassl-3213	115	36	.	.	PUNCT
hassl-3213	116	1	on	on	ADP
hassl-3213	116	2	the	the	DET
hassl-3213	116	3	other	other	ADJ
hassl-3213	116	4	hand	hand	NOUN
hassl-3213	116	5	,	,	PUNCT
hassl-3213	116	6	deposits	deposit	NOUN
hassl-3213	116	7	were	be	AUX
hassl-3213	116	8	negatively	negatively	ADV
hassl-3213	116	9	related	relate	VERB
hassl-3213	116	10	to	to	ADP
hassl-3213	116	11	the	the	DET
hassl-3213	116	12	profitability	profitability	NOUN
hassl-3213	116	13	of	of	ADP
hassl-3213	116	14	the	the	DET
hassl-3213	116	15	banks	bank	NOUN
hassl-3213	116	16	.	.	PUNCT
hassl-3213	117	1	another	another	DET
hassl-3213	117	2	attempt	attempt	NOUN
hassl-3213	117	3	to	to	PART
hassl-3213	117	4	examine	examine	VERB
hassl-3213	117	5	the	the	DET
hassl-3213	117	6	competitive	competitive	ADJ
hassl-3213	117	7	conditions	condition	NOUN
hassl-3213	117	8	for	for	ADP
hassl-3213	117	9	the	the	DET
hassl-3213	117	10	banking	banking	NOUN
hassl-3213	117	11	industry	industry	NOUN
hassl-3213	117	12	in	in	ADP
hassl-3213	117	13	the	the	DET
hassl-3213	117	14	mena	mena	PROPN
hassl-3213	117	15	region	region	PROPN
hassl-3213	117	16	for	for	ADP
hassl-3213	117	17	the	the	DET
hassl-3213	117	18	period	period	NOUN
hassl-3213	117	19	(	(	PUNCT
hassl-3213	117	20	1999	1999	NUM
hassl-3213	117	21	-	-	SYM
hassl-3213	117	22	2012	2012	NUM
hassl-3213	117	23	)	)	PUNCT
hassl-3213	117	24	was	be	AUX
hassl-3213	117	25	done	do	VERB
hassl-3213	117	26	by	by	ADP
hassl-3213	117	27	elfeituri	elfeituri	NOUN
hassl-3213	117	28	and	and	CCONJ
hassl-3213	117	29	vergos	vergos	NOUN
hassl-3213	117	30	(	(	PUNCT
hassl-3213	117	31	2019	2019	NUM
hassl-3213	117	32	)	)	PUNCT
hassl-3213	117	33	.	.	PUNCT
hassl-3213	118	1	they	they	PRON
hassl-3213	118	2	used	use	VERB
hassl-3213	118	3	the	the	DET
hassl-3213	118	4	method	method	NOUN
hassl-3213	118	5	of	of	ADP
hassl-3213	118	6	panzar	panzar	NOUN
hassl-3213	118	7	–	–	PUNCT
hassl-3213	118	8	rosse	rosse	PROPN
hassl-3213	118	9	model	model	NOUN
hassl-3213	118	10	.	.	PUNCT
hassl-3213	119	1	the	the	DET
hassl-3213	119	2	question	question	NOUN
hassl-3213	119	3	was	be	AUX
hassl-3213	119	4	whether	whether	SCONJ
hassl-3213	119	5	the	the	DET
hassl-3213	119	6	market	market	NOUN
hassl-3213	119	7	of	of	ADP
hassl-3213	119	8	the	the	DET
hassl-3213	119	9	banking	banking	NOUN
hassl-3213	119	10	sector	sector	NOUN
hassl-3213	119	11	is	be	AUX
hassl-3213	119	12	characterized	characterize	VERB
hassl-3213	119	13	by	by	ADP
hassl-3213	119	14	monopoly	monopoly	NOUN
hassl-3213	119	15	,	,	PUNCT
hassl-3213	119	16	monopolistic	monopolistic	ADJ
hassl-3213	119	17	competition	competition	NOUN
hassl-3213	119	18	or	or	CCONJ
hassl-3213	119	19	perfect	perfect	ADJ
hassl-3213	119	20	competition	competition	NOUN
hassl-3213	119	21	market	market	NOUN
hassl-3213	119	22	.	.	PUNCT
hassl-3213	120	1	the	the	DET
hassl-3213	120	2	technique	technique	NOUN
hassl-3213	120	3	used	use	VERB
hassl-3213	120	4	in	in	ADP
hassl-3213	120	5	this	this	DET
hassl-3213	120	6	study	study	NOUN
hassl-3213	120	7	is	be	AUX
hassl-3213	120	8	the	the	DET
hassl-3213	120	9	panel	panel	NOUN
hassl-3213	120	10	data	datum	NOUN
hassl-3213	120	11	analysis	analysis	NOUN
hassl-3213	120	12	.	.	PUNCT
hassl-3213	121	1	the	the	DET
hassl-3213	121	2	main	main	ADJ
hassl-3213	121	3	result	result	NOUN
hassl-3213	121	4	of	of	ADP
hassl-3213	121	5	this	this	DET
hassl-3213	121	6	paper	paper	NOUN
hassl-3213	121	7	shows	show	VERB
hassl-3213	121	8	that	that	SCONJ
hassl-3213	121	9	competition	competition	NOUN
hassl-3213	121	10	level	level	NOUN
hassl-3213	121	11	in	in	ADP
hassl-3213	121	12	the	the	DET
hassl-3213	121	13	mena	mena	PROPN
hassl-3213	121	14	banking	banking	NOUN
hassl-3213	121	15	sector	sector	NOUN
hassl-3213	121	16	is	be	AUX
hassl-3213	121	17	low	low	ADJ
hassl-3213	121	18	and	and	CCONJ
hassl-3213	121	19	the	the	DET
hassl-3213	121	20	markets	market	NOUN
hassl-3213	121	21	function	function	VERB
hassl-3213	121	22	under	under	ADP
hassl-3213	121	23	the	the	DET
hassl-3213	121	24	monopolistic	monopolistic	ADJ
hassl-3213	121	25	competitive	competitive	ADJ
hassl-3213	121	26	conditions	condition	NOUN
hassl-3213	121	27	.	.	PUNCT
hassl-3213	122	1	similar	similar	ADJ
hassl-3213	122	2	result	result	NOUN
hassl-3213	122	3	was	be	AUX
hassl-3213	122	4	found	find	VERB
hassl-3213	122	5	by	by	ADP
hassl-3213	122	6	anzoategui	anzoategui	PROPN
hassl-3213	122	7	et	et	PROPN
hassl-3213	122	8	al	al	PROPN
hassl-3213	122	9	.	.	PROPN
hassl-3213	123	1	(	(	PUNCT
hassl-3213	123	2	2010	2010	NUM
hassl-3213	123	3	)	)	PUNCT
hassl-3213	123	4	.	.	PUNCT
hassl-3213	124	1	finally	finally	ADV
hassl-3213	124	2	,	,	PUNCT
hassl-3213	124	3	when	when	SCONJ
hassl-3213	124	4	we	we	PRON
hassl-3213	124	5	discuss	discuss	VERB
hassl-3213	124	6	the	the	DET
hassl-3213	124	7	literature	literature	NOUN
hassl-3213	124	8	about	about	ADP
hassl-3213	124	9	the	the	DET
hassl-3213	124	10	area	area	NOUN
hassl-3213	124	11	of	of	ADP
hassl-3213	124	12	competitive	competitive	ADJ
hassl-3213	124	13	conditions	condition	NOUN
hassl-3213	124	14	in	in	ADP
hassl-3213	124	15	the	the	DET
hassl-3213	124	16	banking	banking	NOUN
hassl-3213	124	17	sector	sector	NOUN
hassl-3213	124	18	,	,	PUNCT
hassl-3213	124	19	especially	especially	ADV
hassl-3213	124	20	in	in	ADP
hassl-3213	124	21	the	the	DET
hassl-3213	124	22	gulf	gulf	PROPN
hassl-3213	124	23	region	region	NOUN
hassl-3213	124	24	,	,	PUNCT
hassl-3213	124	25	it	it	PRON
hassl-3213	124	26	is	be	AUX
hassl-3213	124	27	vital	vital	ADJ
hassl-3213	124	28	to	to	PART
hassl-3213	124	29	recall	recall	VERB
hassl-3213	124	30	the	the	DET
hassl-3213	124	31	work	work	NOUN
hassl-3213	124	32	done	do	VERB
hassl-3213	124	33	by	by	ADP
hassl-3213	124	34	al	al	PROPN
hassl-3213	124	35	-	-	PUNCT
hassl-3213	124	36	muharrami	muharrami	PROPN
hassl-3213	124	37	(	(	PUNCT
hassl-3213	124	38	2008a	2008a	NUM
hassl-3213	124	39	)	)	PUNCT
hassl-3213	124	40	;	;	PUNCT
hassl-3213	124	41	al	al	PROPN
hassl-3213	124	42	-	-	PUNCT
hassl-3213	124	43	muharrami	muharrami	PROPN
hassl-3213	124	44	(	(	PUNCT
hassl-3213	124	45	2008b	2008b	NUM
hassl-3213	124	46	)	)	PUNCT
hassl-3213	124	47	investigated	investigate	VERB
hassl-3213	124	48	the	the	DET
hassl-3213	124	49	market	market	NOUN
hassl-3213	124	50	structure	structure	NOUN
hassl-3213	124	51	and	and	CCONJ
hassl-3213	124	52	the	the	DET
hassl-3213	124	53	monopoly	monopoly	NOUN
hassl-3213	124	54	power	power	NOUN
hassl-3213	124	55	of	of	ADP
hassl-3213	124	56	banks	bank	NOUN
hassl-3213	124	57	in	in	ADP
hassl-3213	124	58	kuwait	kuwait	PROPN
hassl-3213	124	59	during	during	ADP
hassl-3213	124	60	the	the	DET
hassl-3213	124	61	period	period	NOUN
hassl-3213	124	62	1993	1993	NUM
hassl-3213	124	63	-	-	SYM
hassl-3213	124	64	2002	2002	NUM
hassl-3213	124	65	.	.	PUNCT
hassl-3213	125	1	his	his	PRON
hassl-3213	125	2	methodology	methodology	NOUN
hassl-3213	125	3	involved	involve	VERB
hassl-3213	125	4	using	use	VERB
hassl-3213	125	5	the	the	DET
hassl-3213	125	6	k	k	ADJ
hassl-3213	125	7	-	-	PUNCT
hassl-3213	125	8	bank	bank	NOUN
hassl-3213	125	9	concentration	concentration	NOUN
hassl-3213	125	10	ratio	ratio	NOUN
hassl-3213	125	11	,	,	PUNCT
hassl-3213	125	12	the	the	DET
hassl-3213	125	13	herfindahl	herfindahl	NOUN
hassl-3213	125	14	-	-	PUNCT
hassl-3213	125	15	hirschman	hirschman	NOUN
hassl-3213	125	16	index	index	NOUN
hassl-3213	125	17	,	,	PUNCT
hassl-3213	125	18	and	and	CCONJ
hassl-3213	125	19	the	the	DET
hassl-3213	125	20	h	h	NOUN
hassl-3213	125	21	statistic	statistic	NOUN
hassl-3213	125	22	by	by	ADP
hassl-3213	125	23	panzar	panzar	NOUN
hassl-3213	125	24	-	-	PUNCT
hassl-3213	125	25	rosse	rosse	PROPN
hassl-3213	125	26	model	model	NOUN
hassl-3213	125	27	.	.	PUNCT
hassl-3213	126	1	the	the	DET
hassl-3213	126	2	main	main	ADJ
hassl-3213	126	3	result	result	NOUN
hassl-3213	126	4	indicated	indicate	VERB
hassl-3213	126	5	that	that	SCONJ
hassl-3213	126	6	kuwait	kuwait	PROPN
hassl-3213	126	7	had	have	VERB
hassl-3213	126	8	a	a	DET
hassl-3213	126	9	moderately	moderately	ADV
hassl-3213	126	10	concentrated	concentrate	VERB
hassl-3213	126	11	market	market	NOUN
hassl-3213	126	12	.	.	PUNCT
hassl-3213	127	1	in	in	ADP
hassl-3213	127	2	addition	addition	NOUN
hassl-3213	127	3	,	,	PUNCT
hassl-3213	127	4	kuwaiti	kuwaiti	PROPN
hassl-3213	127	5	banks	bank	NOUN
hassl-3213	127	6	worked	work	VERB
hassl-3213	127	7	under	under	ADP
hassl-3213	127	8	the	the	DET
hassl-3213	127	9	structure	structure	NOUN
hassl-3213	127	10	of	of	ADP
hassl-3213	127	11	perfect	perfect	ADJ
hassl-3213	127	12	competition	competition	NOUN
hassl-3213	127	13	.	.	PUNCT
hassl-3213	128	1	al	al	PROPN
hassl-3213	128	2	-	-	PUNCT
hassl-3213	128	3	muharrami	muharrami	PROPN
hassl-3213	128	4	(	(	PUNCT
hassl-3213	128	5	2008b	2008b	NUM
hassl-3213	128	6	)	)	PUNCT
hassl-3213	128	7	examined	examine	VERB
hassl-3213	128	8	the	the	DET
hassl-3213	128	9	concentrations	concentration	NOUN
hassl-3213	128	10	in	in	ADP
hassl-3213	128	11	the	the	DET
hassl-3213	128	12	banking	banking	NOUN
hassl-3213	128	13	sectors	sector	NOUN
hassl-3213	128	14	in	in	ADP
hassl-3213	128	15	the	the	DET
hassl-3213	128	16	gulf	gulf	PROPN
hassl-3213	128	17	cooperation	cooperation	NOUN
hassl-3213	128	18	countries	country	NOUN
hassl-3213	128	19	(	(	PUNCT
hassl-3213	128	20	gcc	gcc	NOUN
hassl-3213	128	21	)	)	PUNCT
hassl-3213	128	22	over	over	ADP
hassl-3213	128	23	the	the	DET
hassl-3213	128	24	period	period	NOUN
hassl-3213	128	25	1993	1993	NUM
hassl-3213	128	26	-	-	SYM
hassl-3213	128	27	2002	2002	NUM
hassl-3213	128	28	.	.	PUNCT
hassl-3213	129	1	he	he	PRON
hassl-3213	129	2	used	use	VERB
hassl-3213	129	3	the	the	DET
hassl-3213	129	4	methods	method	NOUN
hassl-3213	129	5	of	of	ADP
hassl-3213	129	6	herfindahl	herfindahl	NOUN
hassl-3213	129	7	-	-	PUNCT
hassl-3213	129	8	hirschman	hirschman	NOUN
hassl-3213	129	9	index	index	NOUN
hassl-3213	129	10	and	and	CCONJ
hassl-3213	129	11	the	the	DET
hassl-3213	129	12	k	k	PROPN
hassl-3213	129	13	-	-	PUNCT
hassl-3213	129	14	bank	bank	NOUN
hassl-3213	129	15	concentration	concentration	NOUN
hassl-3213	129	16	ratio	ratio	NOUN
hassl-3213	129	17	.	.	PUNCT
hassl-3213	130	1	the	the	DET
hassl-3213	130	2	results	result	NOUN
hassl-3213	130	3	of	of	ADP
hassl-3213	130	4	this	this	DET
hassl-3213	130	5	paper	paper	NOUN
hassl-3213	130	6	showed	show	VERB
hassl-3213	130	7	that	that	SCONJ
hassl-3213	130	8	concentration	concentration	NOUN
hassl-3213	130	9	does	do	AUX
hassl-3213	130	10	not	not	PART
hassl-3213	130	11	appear	appear	VERB
hassl-3213	130	12	to	to	PART
hassl-3213	130	13	have	have	AUX
hassl-3213	130	14	increased	increase	VERB
hassl-3213	130	15	in	in	ADP
hassl-3213	130	16	this	this	DET
hassl-3213	130	17	region	region	NOUN
hassl-3213	130	18	.	.	PUNCT
hassl-3213	131	1	actually	actually	ADV
hassl-3213	131	2	,	,	PUNCT
hassl-3213	131	3	except	except	SCONJ
hassl-3213	131	4	for	for	ADP
hassl-3213	131	5	in	in	ADP
hassl-3213	131	6	oman	oman	NOUN
hassl-3213	131	7	and	and	CCONJ
hassl-3213	131	8	qatar	qatar	PROPN
hassl-3213	131	9	,	,	PUNCT
hassl-3213	131	10	the	the	DET
hassl-3213	131	11	banking	banking	NOUN
hassl-3213	131	12	sector	sector	NOUN
hassl-3213	131	13	of	of	ADP
hassl-3213	131	14	the	the	DET
hassl-3213	131	15	gcc	gcc	NOUN
hassl-3213	131	16	witnessed	witness	VERB
hassl-3213	131	17	decreased	decrease	VERB
hassl-3213	131	18	concentration	concentration	NOUN
hassl-3213	131	19	.	.	PUNCT
hassl-3213	132	1	4	4	X
hassl-3213	132	2	.	.	X
hassl-3213	132	3	methodology	methodology	NOUN
hassl-3213	132	4	for	for	ADP
hassl-3213	132	5	assessing	assess	VERB
hassl-3213	132	6	the	the	DET
hassl-3213	132	7	pattern	pattern	NOUN
hassl-3213	132	8	of	of	ADP
hassl-3213	132	9	competition	competition	NOUN
hassl-3213	132	10	in	in	ADP
hassl-3213	132	11	the	the	DET
hassl-3213	132	12	kuwaiti	kuwaiti	PROPN
hassl-3213	132	13	banking	banking	NOUN
hassl-3213	132	14	sector	sector	NOUN
hassl-3213	132	15	and	and	CCONJ
hassl-3213	132	16	to	to	PART
hassl-3213	132	17	evaluate	evaluate	VERB
hassl-3213	132	18	the	the	DET
hassl-3213	132	19	level	level	NOUN
hassl-3213	132	20	of	of	ADP
hassl-3213	132	21	competition	competition	NOUN
hassl-3213	132	22	among	among	ADP
hassl-3213	132	23	the	the	DET
hassl-3213	132	24	banks	bank	NOUN
hassl-3213	132	25	,	,	PUNCT
hassl-3213	132	26	this	this	DET
hassl-3213	132	27	paper	paper	NOUN
hassl-3213	132	28	implemented	implement	VERB
hassl-3213	132	29	the	the	DET
hassl-3213	132	30	h	h	NOUN
hassl-3213	132	31	statistic	statistic	NOUN
hassl-3213	132	32	method	method	NOUN
hassl-3213	132	33	of	of	ADP
hassl-3213	132	34	panzar	panzar	NOUN
hassl-3213	132	35	and	and	CCONJ
hassl-3213	132	36	rosse	rosse	PROPN
hassl-3213	132	37	(	(	PUNCT
hassl-3213	132	38	1987	1987	NUM
hassl-3213	132	39	)	)	PUNCT
hassl-3213	132	40	.	.	PUNCT
hassl-3213	133	1	the	the	DET
hassl-3213	133	2	h	h	NOUN
hassl-3213	133	3	statistic	statistic	NOUN
hassl-3213	133	4	is	be	AUX
hassl-3213	133	5	calculated	calculate	VERB
hassl-3213	133	6	from	from	ADP
hassl-3213	133	7	the	the	DET
hassl-3213	133	8	reduced	reduce	VERB
hassl-3213	133	9	form	form	NOUN
hassl-3213	133	10	of	of	ADP
hassl-3213	133	11	revenue	revenue	NOUN
hassl-3213	133	12	function	function	NOUN
hassl-3213	133	13	.	.	PUNCT
hassl-3213	134	1	it	it	PRON
hassl-3213	134	2	depends	depend	VERB
hassl-3213	134	3	on	on	ADP
hassl-3213	134	4	the	the	DET
hassl-3213	134	5	sum	sum	NOUN
hassl-3213	134	6	of	of	ADP
hassl-3213	134	7	the	the	DET
hassl-3213	134	8	elasticities	elasticity	NOUN
hassl-3213	134	9	of	of	ADP
hassl-3213	134	10	the	the	DET
hassl-3213	134	11	revenue	revenue	NOUN
hassl-3213	134	12	reduced	reduce	VERB
hassl-3213	134	13	function	function	NOUN
hassl-3213	134	14	with	with	ADP
hassl-3213	134	15	respect	respect	NOUN
hassl-3213	134	16	to	to	ADP
hassl-3213	134	17	the	the	DET
hassl-3213	134	18	costs	cost	NOUN
hassl-3213	134	19	of	of	ADP
hassl-3213	134	20	the	the	DET
hassl-3213	134	21	factors	factor	NOUN
hassl-3213	134	22	of	of	ADP
hassl-3213	134	23	production	production	NOUN
hassl-3213	134	24	.	.	PUNCT
hassl-3213	135	1	these	these	DET
hassl-3213	135	2	factors	factor	NOUN
hassl-3213	135	3	of	of	ADP
hassl-3213	135	4	production	production	NOUN
hassl-3213	135	5	are	be	AUX
hassl-3213	135	6	basically	basically	ADV
hassl-3213	135	7	,	,	PUNCT
hassl-3213	135	8	labor	labor	NOUN
hassl-3213	135	9	,	,	PUNCT
hassl-3213	135	10	capital	capital	NOUN
hassl-3213	135	11	,	,	PUNCT
hassl-3213	135	12	and	and	CCONJ
hassl-3213	135	13	the	the	DET
hassl-3213	135	14	finance	finance	NOUN
hassl-3213	135	15	of	of	ADP
hassl-3213	135	16	the	the	DET
hassl-3213	135	17	production	production	NOUN
hassl-3213	135	18	operations	operation	NOUN
hassl-3213	135	19	.	.	PUNCT
hassl-3213	136	1	the	the	DET
hassl-3213	136	2	model	model	NOUN
hassl-3213	136	3	of	of	ADP
hassl-3213	136	4	this	this	DET
hassl-3213	136	5	paper	paper	NOUN
hassl-3213	136	6	drew	draw	VERB
hassl-3213	136	7	an	an	DET
hassl-3213	136	8	estimate	estimate	NOUN
hassl-3213	136	9	using	use	VERB
hassl-3213	136	10	the	the	DET
hassl-3213	136	11	panel	panel	NOUN
hassl-3213	136	12	data	datum	NOUN
hassl-3213	136	13	method	method	NOUN
hassl-3213	136	14	for	for	ADP
hassl-3213	136	15	nine	nine	NUM
hassl-3213	136	16	kuwaiti	kuwaiti	PROPN
hassl-3213	136	17	banks	bank	NOUN
hassl-3213	136	18	over	over	ADP
hassl-3213	136	19	the	the	DET
hassl-3213	136	20	period	period	NOUN
hassl-3213	136	21	2010	2010	NUM
hassl-3213	136	22	2020	2020	NUM
hassl-3213	136	23	.	.	PUNCT
hassl-3213	137	1	this	this	DET
hassl-3213	137	2	study	study	NOUN
hassl-3213	137	3	tested	test	VERB
hassl-3213	137	4	the	the	DET
hassl-3213	137	5	revenue	revenue	NOUN
hassl-3213	137	6	function	function	NOUN
hassl-3213	137	7	,	,	PUNCT
hassl-3213	137	8	where	where	SCONJ
hassl-3213	137	9	the	the	DET
hassl-3213	137	10	dependent	dependent	ADJ
hassl-3213	137	11	variable	variable	NOUN
hassl-3213	137	12	is	be	AUX
hassl-3213	137	13	the	the	DET
hassl-3213	137	14	revenue	revenue	NOUN
hassl-3213	137	15	ratio	ratio	NOUN
hassl-3213	137	16	(	(	PUNCT
hassl-3213	137	17	r	r	NOUN
hassl-3213	137	18	)	)	PUNCT
hassl-3213	137	19	.	.	PUNCT
hassl-3213	138	1	this	this	DET
hassl-3213	138	2	ratio	ratio	NOUN
hassl-3213	138	3	is	be	AUX
hassl-3213	138	4	presented	present	VERB
hassl-3213	138	5	by	by	ADP
hassl-3213	138	6	either	either	CCONJ
hassl-3213	138	7	return	return	NOUN
hassl-3213	138	8	on	on	ADP
hassl-3213	138	9	assets	asset	NOUN
hassl-3213	138	10	or	or	CCONJ
hassl-3213	138	11	return	return	VERB
hassl-3213	138	12	on	on	ADP
hassl-3213	138	13	equities	equity	NOUN
hassl-3213	138	14	.	.	PUNCT
hassl-3213	139	1	equation	equation	NOUN
hassl-3213	139	2	1	1	NUM
hassl-3213	139	3	illustrates	illustrate	VERB
hassl-3213	139	4	the	the	DET
hassl-3213	139	5	general	general	ADJ
hassl-3213	139	6	behavior	behavior	NOUN
hassl-3213	139	7	of	of	ADP
hassl-3213	139	8	the	the	DET
hassl-3213	139	9	revenue	revenue	NOUN
hassl-3213	139	10	equation	equation	NOUN
hassl-3213	139	11	in	in	ADP
hassl-3213	139	12	response	response	NOUN
hassl-3213	139	13	to	to	ADP
hassl-3213	139	14	the	the	DET
hassl-3213	139	15	explanatory	explanatory	ADJ
hassl-3213	139	16	variables	variable	NOUN
hassl-3213	139	17	that	that	PRON
hassl-3213	139	18	assumed	assume	VERB
hassl-3213	139	19	to	to	PART
hassl-3213	139	20	affect	affect	VERB
hassl-3213	139	21	banks	bank	NOUN
hassl-3213	139	22	’	'	PUNCT
hassl-3213	139	23	revenues	revenue	NOUN
hassl-3213	139	24	:	:	PUNCT
hassl-3213	139	25	𝑅	𝑅	PROPN
hassl-3213	139	26	=	=	PUNCT
hassl-3213	139	27	𝑓(𝐿𝐴𝐵𝑂𝑅	𝑓(𝐿𝐴𝐵𝑂𝑅	PROPN
hassl-3213	139	28	,	,	PUNCT
hassl-3213	139	29	𝐶𝐴𝑃𝐼𝑇𝐴𝐿	𝐶𝐴𝑃𝐼𝑇𝐴𝐿	PROPN
hassl-3213	139	30	,	,	PUNCT
hassl-3213	139	31	𝐹𝑈𝑁𝐷𝑆	𝐹𝑈𝑁𝐷𝑆	PROPN
hassl-3213	139	32	,	,	PUNCT
hassl-3213	139	33	𝐸𝑄𝑈𝐼𝑇𝑌	𝐸𝑄𝑈𝐼𝑇𝑌	PROPN
hassl-3213	139	34	,	,	PUNCT
hassl-3213	139	35	𝐿𝑂𝐴𝑁𝑆	𝐿𝑂𝐴𝑁𝑆	PROPN
hassl-3213	139	36	,	,	PUNCT
hassl-3213	139	37	𝐸𝑄𝑈𝐼𝑇𝐼𝐸𝑆	𝐸𝑄𝑈𝐼𝑇𝐼𝐸𝑆	PROPN
hassl-3213	139	38	)	)	PUNCT
hassl-3213	140	1	(	(	PUNCT
hassl-3213	140	2	1	1	X
hassl-3213	140	3	)	)	PUNCT
hassl-3213	140	4	r	r	NOUN
hassl-3213	140	5	is	be	AUX
hassl-3213	140	6	the	the	DET
hassl-3213	140	7	dependent	dependent	ADJ
hassl-3213	140	8	variable	variable	NOUN
hassl-3213	140	9	measured	measure	VERB
hassl-3213	140	10	by	by	ADP
hassl-3213	140	11	the	the	DET
hassl-3213	140	12	ratio	ratio	NOUN
hassl-3213	140	13	of	of	ADP
hassl-3213	140	14	total	total	ADJ
hassl-3213	140	15	revenues	revenue	NOUN
hassl-3213	140	16	from	from	ADP
hassl-3213	140	17	interest	interest	NOUN
hassl-3213	140	18	to	to	ADP
hassl-3213	140	19	total	total	ADJ
hassl-3213	140	20	assets	asset	NOUN
hassl-3213	140	21	(	(	PUNCT
hassl-3213	140	22	i.e.	i.e.	X
hassl-3213	140	23	,	,	PUNCT
hassl-3213	140	24	return	return	VERB
hassl-3213	140	25	on	on	ADP
hassl-3213	140	26	assets	asset	NOUN
hassl-3213	140	27	,	,	PUNCT
hassl-3213	140	28	roa	roa	PROPN
hassl-3213	140	29	)	)	PUNCT
hassl-3213	140	30	or	or	CCONJ
hassl-3213	140	31	to	to	ADP
hassl-3213	140	32	equities	equity	NOUN
hassl-3213	140	33	(	(	PUNCT
hassl-3213	140	34	i.e.	i.e.	X
hassl-3213	140	35	,	,	PUNCT
hassl-3213	140	36	return	return	VERB
hassl-3213	140	37	on	on	ADP
hassl-3213	140	38	equities	equity	NOUN
hassl-3213	140	39	,	,	PUNCT
hassl-3213	140	40	roe	roe	PROPN
hassl-3213	140	41	)	)	PUNCT
hassl-3213	140	42	.	.	PUNCT
hassl-3213	141	1	the	the	DET
hassl-3213	141	2	independent	independent	ADJ
hassl-3213	141	3	variables	variable	NOUN
hassl-3213	141	4	are	be	AUX
hassl-3213	141	5	as	as	SCONJ
hassl-3213	141	6	follows	follow	VERB
hassl-3213	141	7	:	:	PUNCT
hassl-3213	141	8	labor	labor	NOUN
hassl-3213	141	9	represents	represent	VERB
hassl-3213	141	10	the	the	DET
hassl-3213	141	11	cost	cost	NOUN
hassl-3213	141	12	of	of	ADP
hassl-3213	141	13	labor	labor	NOUN
hassl-3213	141	14	measured	measure	VERB
hassl-3213	141	15	by	by	ADP
hassl-3213	141	16	the	the	DET
hassl-3213	141	17	ratio	ratio	NOUN
hassl-3213	141	18	of	of	ADP
hassl-3213	141	19	personnel	personnel	NOUN
hassl-3213	141	20	(	(	PUNCT
hassl-3213	141	21	managerial	managerial	ADJ
hassl-3213	141	22	)	)	PUNCT
hassl-3213	141	23	expense	expense	NOUN
hassl-3213	141	24	to	to	ADP
hassl-3213	141	25	total	total	ADJ
hassl-3213	141	26	assets	asset	NOUN
hassl-3213	141	27	.	.	PUNCT
hassl-3213	142	1	capital	capital	NOUN
hassl-3213	142	2	is	be	AUX
hassl-3213	142	3	the	the	DET
hassl-3213	142	4	cost	cost	NOUN
hassl-3213	142	5	of	of	ADP
hassl-3213	142	6	fixed	fix	VERB
hassl-3213	142	7	capital	capital	NOUN
hassl-3213	142	8	measured	measure	VERB
hassl-3213	142	9	by	by	ADP
hassl-3213	142	10	the	the	DET
hassl-3213	142	11	ratio	ratio	NOUN
hassl-3213	142	12	of	of	ADP
hassl-3213	142	13	other	other	ADJ
hassl-3213	142	14	operating	operating	NOUN
hassl-3213	142	15	and	and	CCONJ
hassl-3213	142	16	administrative	administrative	ADJ
hassl-3213	142	17	expenses	expense	NOUN
hassl-3213	142	18	to	to	ADP
hassl-3213	142	19	total	total	ADJ
hassl-3213	142	20	assets	asset	NOUN
hassl-3213	142	21	,	,	PUNCT
hassl-3213	142	22	and	and	CCONJ
hassl-3213	142	23	funds	fund	NOUN
hassl-3213	142	24	is	be	AUX
hassl-3213	142	25	the	the	DET
hassl-3213	142	26	price	price	NOUN
hassl-3213	142	27	of	of	ADP
hassl-3213	142	28	deposits	deposit	NOUN
hassl-3213	142	29	measured	measure	VERB
hassl-3213	142	30	by	by	ADP
hassl-3213	142	31	the	the	DET
hassl-3213	142	32	ratio	ratio	NOUN
hassl-3213	142	33	of	of	ADP
hassl-3213	142	34	interest	interest	NOUN
hassl-3213	142	35	expense	expense	NOUN
hassl-3213	142	36	to	to	ADP
hassl-3213	142	37	total	total	ADJ
hassl-3213	142	38	deposits	deposit	NOUN
hassl-3213	142	39	.	.	PUNCT
hassl-3213	143	1	other	other	ADJ
hassl-3213	143	2	variables	variable	NOUN
hassl-3213	143	3	were	be	AUX
hassl-3213	143	4	included	include	VERB
hassl-3213	143	5	to	to	PART
hassl-3213	143	6	control	control	VERB
hassl-3213	143	7	for	for	ADP
hassl-3213	143	8	banking	banking	NOUN
hassl-3213	143	9	factors	factor	NOUN
hassl-3213	143	10	.	.	PUNCT
hassl-3213	144	1	loans	loan	NOUN
hassl-3213	144	2	was	be	AUX
hassl-3213	144	3	measured	measure	VERB
hassl-3213	144	4	by	by	ADP
hassl-3213	144	5	the	the	DET
hassl-3213	144	6	ratio	ratio	NOUN
hassl-3213	144	7	of	of	ADP
hassl-3213	144	8	net	net	ADJ
hassl-3213	144	9	loans	loan	NOUN
hassl-3213	144	10	to	to	ADP
hassl-3213	144	11	total	total	ADJ
hassl-3213	144	12	assets	asset	NOUN
hassl-3213	144	13	.	.	PUNCT
hassl-3213	145	1	deposits	deposit	NOUN
hassl-3213	145	2	is	be	AUX
hassl-3213	145	3	the	the	DET
hassl-3213	145	4	ratio	ratio	NOUN
hassl-3213	145	5	of	of	ADP
hassl-3213	145	6	total	total	ADJ
hassl-3213	145	7	deposits	deposit	NOUN
hassl-3213	145	8	to	to	ADP
hassl-3213	145	9	total	total	ADJ
hassl-3213	145	10	assets	asset	NOUN
hassl-3213	145	11	,	,	PUNCT
hassl-3213	145	12	and	and	CCONJ
hassl-3213	145	13	equity	equity	NOUN
hassl-3213	145	14	represents	represent	VERB
hassl-3213	145	15	equity	equity	NOUN
hassl-3213	145	16	capital	capital	NOUN
hassl-3213	145	17	measured	measure	VERB
hassl-3213	145	18	by	by	ADP
hassl-3213	145	19	the	the	DET
hassl-3213	145	20	ratio	ratio	NOUN
hassl-3213	145	21	of	of	ADP
hassl-3213	145	22	equity	equity	NOUN
hassl-3213	145	23	to	to	ADP
hassl-3213	145	24	total	total	ADJ
hassl-3213	145	25	assets	asset	NOUN
hassl-3213	145	26	.	.	PUNCT
hassl-3213	146	1	the	the	DET
hassl-3213	146	2	variables	variables	PROPN
hassl-3213	146	3	labor	labor	NOUN
hassl-3213	146	4	and	and	CCONJ
hassl-3213	146	5	capital	capital	NOUN
hassl-3213	146	6	represent	represent	VERB
hassl-3213	146	7	the	the	DET
hassl-3213	146	8	input	input	NOUN
hassl-3213	146	9	for	for	ADP
hassl-3213	146	10	the	the	DET
hassl-3213	146	11	banking	banking	NOUN
hassl-3213	146	12	operations	operation	NOUN
hassl-3213	146	13	.	.	PUNCT
hassl-3213	147	1	we	we	PRON
hassl-3213	147	2	expect	expect	VERB
hassl-3213	147	3	a	a	DET
hassl-3213	147	4	positive	positive	ADJ
hassl-3213	147	5	sign	sign	NOUN
hassl-3213	147	6	for	for	ADP
hassl-3213	147	7	the	the	DET
hassl-3213	147	8	coefficients	coefficient	NOUN
hassl-3213	147	9	of	of	ADP
hassl-3213	147	10	each	each	DET
hassl-3213	147	11	variable	variable	NOUN
hassl-3213	147	12	.	.	PUNCT
hassl-3213	148	1	higher	high	ADJ
hassl-3213	148	2	levels	level	NOUN
hassl-3213	148	3	of	of	ADP
hassl-3213	148	4	inputs	input	NOUN
hassl-3213	148	5	help	help	NOUN
hassl-3213	148	6	increase	increase	VERB
hassl-3213	148	7	the	the	DET
hassl-3213	148	8	level	level	NOUN
hassl-3213	148	9	of	of	ADP
hassl-3213	148	10	output	output	NOUN
hassl-3213	148	11	,	,	PUNCT
hassl-3213	148	12	and	and	CCONJ
hassl-3213	148	13	this	this	PRON
hassl-3213	148	14	should	should	AUX
hassl-3213	148	15	increase	increase	VERB
hassl-3213	148	16	the	the	DET
hassl-3213	148	17	revenues	revenue	NOUN
hassl-3213	148	18	of	of	ADP
hassl-3213	148	19	the	the	DET
hassl-3213	148	20	banks	bank	NOUN
hassl-3213	148	21	.	.	PUNCT
hassl-3213	149	1	funds	fund	NOUN
hassl-3213	149	2	represent	represent	VERB
hassl-3213	149	3	a	a	DET
hassl-3213	149	4	cost	cost	NOUN
hassl-3213	149	5	to	to	ADP
hassl-3213	149	6	banks	bank	NOUN
hassl-3213	149	7	,	,	PUNCT
hassl-3213	149	8	so	so	SCONJ
hassl-3213	149	9	an	an	DET
hassl-3213	149	10	increase	increase	NOUN
hassl-3213	149	11	in	in	ADP
hassl-3213	149	12	the	the	DET
hassl-3213	149	13	cost	cost	NOUN
hassl-3213	149	14	of	of	ADP
hassl-3213	149	15	obtaining	obtain	VERB
hassl-3213	149	16	funds	fund	NOUN
hassl-3213	149	17	should	should	AUX
hassl-3213	149	18	depress	depress	VERB
hassl-3213	149	19	revenues	revenue	NOUN
hassl-3213	149	20	.	.	PUNCT
hassl-3213	150	1	on	on	ADP
hassl-3213	150	2	the	the	DET
hassl-3213	150	3	other	other	ADJ
hassl-3213	150	4	hand	hand	NOUN
hassl-3213	150	5	,	,	PUNCT
hassl-3213	150	6	loans	loan	NOUN
hassl-3213	150	7	represent	represent	VERB
hassl-3213	150	8	the	the	DET
hassl-3213	150	9	lending	lending	NOUN
hassl-3213	150	10	amount	amount	NOUN
hassl-3213	150	11	of	of	ADP
hassl-3213	150	12	the	the	DET
hassl-3213	150	13	bank	bank	NOUN
hassl-3213	150	14	to	to	ADP
hassl-3213	150	15	its	its	PRON
hassl-3213	150	16	customers	customer	NOUN
hassl-3213	150	17	,	,	PUNCT
hassl-3213	150	18	and	and	CCONJ
hassl-3213	150	19	it	it	PRON
hassl-3213	150	20	is	be	AUX
hassl-3213	150	21	expected	expect	VERB
hassl-3213	150	22	to	to	PART
hassl-3213	150	23	positively	positively	ADV
hassl-3213	150	24	affect	affect	VERB
hassl-3213	150	25	the	the	DET
hassl-3213	150	26	revenues	revenue	NOUN
hassl-3213	150	27	of	of	ADP
hassl-3213	150	28	the	the	DET
hassl-3213	150	29	bank	bank	NOUN
hassl-3213	150	30	.	.	PUNCT
hassl-3213	151	1	equity	equity	NOUN
hassl-3213	151	2	indicates	indicate	VERB
hassl-3213	151	3	the	the	DET
hassl-3213	151	4	relationship	relationship	NOUN
hassl-3213	151	5	of	of	ADP
hassl-3213	151	6	owner	owner	NOUN
hassl-3213	151	7	’s	’s	PART
hassl-3213	151	8	equity	equity	NOUN
hassl-3213	151	9	to	to	ADP
hassl-3213	151	10	total	total	ADJ
hassl-3213	151	11	humanities	humanity	NOUN
hassl-3213	151	12	and	and	CCONJ
hassl-3213	151	13	social	social	ADJ
hassl-3213	151	14	sciences	science	NOUN
hassl-3213	151	15	letters	letter	NOUN
hassl-3213	151	16	,	,	PUNCT
hassl-3213	151	17	2022	2022	NUM
hassl-3213	151	18	,	,	PUNCT
hassl-3213	151	19	10(4	10(4	NUM
hassl-3213	151	20	):	):	PUNCT
hassl-3213	151	21	606	606	NUM
hassl-3213	151	22	-	-	SYM
hassl-3213	151	23	613	613	NUM
hassl-3213	151	24	610	610	NUM
hassl-3213	151	25	©	©	PROPN
hassl-3213	151	26	2022	2022	NUM
hassl-3213	151	27	conscientia	conscientia	PROPN
hassl-3213	151	28	beam	beam	PROPN
hassl-3213	151	29	.	.	PUNCT
hassl-3213	152	1	all	all	DET
hassl-3213	152	2	rights	right	NOUN
hassl-3213	152	3	reserved	reserve	VERB
hassl-3213	152	4	.	.	PUNCT
hassl-3213	153	1	assets	asset	NOUN
hassl-3213	153	2	.	.	PUNCT
hassl-3213	154	1	this	this	DET
hassl-3213	154	2	ratio	ratio	NOUN
hassl-3213	154	3	is	be	AUX
hassl-3213	154	4	an	an	DET
hassl-3213	154	5	indicator	indicator	NOUN
hassl-3213	154	6	of	of	ADP
hassl-3213	154	7	the	the	DET
hassl-3213	154	8	leverage	leverage	NOUN
hassl-3213	154	9	,	,	PUNCT
hassl-3213	154	10	or	or	CCONJ
hassl-3213	154	11	debt	debt	NOUN
hassl-3213	154	12	,	,	PUNCT
hassl-3213	154	13	used	use	VERB
hassl-3213	154	14	to	to	PART
hassl-3213	154	15	finance	finance	VERB
hassl-3213	154	16	the	the	DET
hassl-3213	154	17	bank	bank	NOUN
hassl-3213	154	18	’s	’s	PART
hassl-3213	154	19	operations	operation	NOUN
hassl-3213	154	20	.	.	PUNCT
hassl-3213	155	1	a	a	DET
hassl-3213	155	2	higher	high	ADJ
hassl-3213	155	3	rate	rate	NOUN
hassl-3213	155	4	indicates	indicate	VERB
hassl-3213	155	5	a	a	DET
hassl-3213	155	6	lower	low	ADJ
hassl-3213	155	7	dependency	dependency	NOUN
hassl-3213	155	8	on	on	ADP
hassl-3213	155	9	outside	outside	ADJ
hassl-3213	155	10	sources	source	NOUN
hassl-3213	155	11	for	for	ADP
hassl-3213	155	12	financing	finance	VERB
hassl-3213	155	13	the	the	DET
hassl-3213	155	14	bank	bank	NOUN
hassl-3213	155	15	’s	’s	PART
hassl-3213	155	16	operations	operation	NOUN
hassl-3213	155	17	and	and	CCONJ
hassl-3213	155	18	vice	vice	ADV
hassl-3213	155	19	versa	versa	ADV
hassl-3213	155	20	.	.	PUNCT
hassl-3213	156	1	in	in	ADP
hassl-3213	156	2	addition	addition	NOUN
hassl-3213	156	3	,	,	PUNCT
hassl-3213	156	4	this	this	DET
hassl-3213	156	5	ratio	ratio	NOUN
hassl-3213	156	6	is	be	AUX
hassl-3213	156	7	an	an	DET
hassl-3213	156	8	indicator	indicator	NOUN
hassl-3213	156	9	of	of	ADP
hassl-3213	156	10	the	the	DET
hassl-3213	156	11	risk	risk	NOUN
hassl-3213	156	12	faced	face	VERB
hassl-3213	156	13	by	by	ADP
hassl-3213	156	14	the	the	DET
hassl-3213	156	15	bank	bank	NOUN
hassl-3213	156	16	.	.	PUNCT
hassl-3213	157	1	the	the	PRON
hassl-3213	157	2	higher	high	ADJ
hassl-3213	157	3	this	this	DET
hassl-3213	157	4	rate	rate	NOUN
hassl-3213	157	5	,	,	PUNCT
hassl-3213	157	6	the	the	DET
hassl-3213	157	7	safer	safe	ADJ
hassl-3213	157	8	is	be	AUX
hassl-3213	157	9	the	the	DET
hassl-3213	157	10	financial	financial	ADJ
hassl-3213	157	11	position	position	NOUN
hassl-3213	157	12	of	of	ADP
hassl-3213	157	13	the	the	DET
hassl-3213	157	14	bank	bank	NOUN
hassl-3213	157	15	.	.	PUNCT
hassl-3213	158	1	to	to	PART
hassl-3213	158	2	test	test	VERB
hassl-3213	158	3	the	the	DET
hassl-3213	158	4	impact	impact	NOUN
hassl-3213	158	5	of	of	ADP
hassl-3213	158	6	different	different	ADJ
hassl-3213	158	7	explanatory	explanatory	ADJ
hassl-3213	158	8	variables	variable	NOUN
hassl-3213	158	9	on	on	ADP
hassl-3213	158	10	the	the	DET
hassl-3213	158	11	dependent	dependent	ADJ
hassl-3213	158	12	variable	variable	NOUN
hassl-3213	158	13	measured	measure	VERB
hassl-3213	158	14	by	by	ADP
hassl-3213	158	15	the	the	DET
hassl-3213	158	16	ratio	ratio	NOUN
hassl-3213	158	17	of	of	ADP
hassl-3213	158	18	total	total	ADJ
hassl-3213	158	19	revenues	revenue	NOUN
hassl-3213	158	20	,	,	PUNCT
hassl-3213	158	21	the	the	DET
hassl-3213	158	22	panel	panel	NOUN
hassl-3213	158	23	model	model	NOUN
hassl-3213	158	24	methodology	methodology	NOUN
hassl-3213	158	25	was	be	AUX
hassl-3213	158	26	used	use	VERB
hassl-3213	158	27	to	to	PART
hassl-3213	158	28	give	give	VERB
hassl-3213	158	29	a	a	DET
hassl-3213	158	30	clear	clear	ADJ
hassl-3213	158	31	vision	vision	NOUN
hassl-3213	158	32	for	for	ADP
hassl-3213	158	33	the	the	DET
hassl-3213	158	34	relationship	relationship	NOUN
hassl-3213	158	35	among	among	ADP
hassl-3213	158	36	the	the	DET
hassl-3213	158	37	variables	variable	NOUN
hassl-3213	158	38	.	.	PUNCT
hassl-3213	159	1	when	when	SCONJ
hassl-3213	159	2	utilizing	utilize	VERB
hassl-3213	159	3	the	the	DET
hassl-3213	159	4	panel	panel	NOUN
hassl-3213	159	5	data	datum	NOUN
hassl-3213	159	6	regression	regression	NOUN
hassl-3213	159	7	as	as	ADP
hassl-3213	159	8	the	the	DET
hassl-3213	159	9	first	first	ADJ
hassl-3213	159	10	phase	phase	NOUN
hassl-3213	159	11	,	,	PUNCT
hassl-3213	159	12	it	it	PRON
hassl-3213	159	13	included	include	VERB
hassl-3213	159	14	applying	apply	VERB
hassl-3213	159	15	both	both	CCONJ
hassl-3213	159	16	random	random	ADJ
hassl-3213	159	17	effects	effect	NOUN
hassl-3213	159	18	and	and	CCONJ
hassl-3213	159	19	fixed	fix	VERB
hassl-3213	159	20	effects	effect	NOUN
hassl-3213	159	21	models	model	NOUN
hassl-3213	159	22	.	.	PUNCT
hassl-3213	160	1	the	the	DET
hassl-3213	160	2	next	next	ADJ
hassl-3213	160	3	phase	phase	NOUN
hassl-3213	160	4	included	include	VERB
hassl-3213	160	5	the	the	DET
hassl-3213	160	6	use	use	NOUN
hassl-3213	160	7	of	of	ADP
hassl-3213	160	8	the	the	DET
hassl-3213	160	9	hausman	hausman	ADJ
hassl-3213	160	10	test	test	NOUN
hassl-3213	160	11	.	.	PUNCT
hassl-3213	161	1	this	this	DET
hassl-3213	161	2	test	test	NOUN
hassl-3213	161	3	helped	help	VERB
hassl-3213	161	4	to	to	PART
hassl-3213	161	5	decide	decide	VERB
hassl-3213	161	6	which	which	DET
hassl-3213	161	7	model	model	NOUN
hassl-3213	161	8	to	to	PART
hassl-3213	161	9	be	be	AUX
hassl-3213	161	10	considered	consider	VERB
hassl-3213	161	11	.	.	PUNCT
hassl-3213	162	1	the	the	DET
hassl-3213	162	2	hausman	hausman	PROPN
hassl-3213	162	3	test	test	NOUN
hassl-3213	162	4	has	have	VERB
hassl-3213	162	5	a	a	DET
hassl-3213	162	6	null	null	ADJ
hassl-3213	162	7	hypothesis	hypothesis	NOUN
hassl-3213	162	8	that	that	PRON
hassl-3213	162	9	the	the	DET
hassl-3213	162	10	best	good	ADJ
hassl-3213	162	11	model	model	NOUN
hassl-3213	162	12	is	be	AUX
hassl-3213	162	13	the	the	DET
hassl-3213	162	14	random	random	ADJ
hassl-3213	162	15	effects	effect	NOUN
hassl-3213	162	16	model	model	NOUN
hassl-3213	162	17	.	.	PUNCT
hassl-3213	163	1	the	the	DET
hassl-3213	163	2	test	test	NOUN
hassl-3213	163	3	depends	depend	VERB
hassl-3213	163	4	on	on	ADP
hassl-3213	163	5	the	the	DET
hassl-3213	163	6	chi	chi	PROPN
hassl-3213	163	7	square	square	PROPN
hassl-3213	163	8	statistic	statistic	NOUN
hassl-3213	163	9	to	to	PART
hassl-3213	163	10	decide	decide	VERB
hassl-3213	163	11	which	which	DET
hassl-3213	163	12	model	model	NOUN
hassl-3213	163	13	is	be	AUX
hassl-3213	163	14	the	the	DET
hassl-3213	163	15	best	good	ADJ
hassl-3213	163	16	.	.	PUNCT
hassl-3213	164	1	in	in	ADP
hassl-3213	164	2	the	the	DET
hassl-3213	164	3	fixed	fix	VERB
hassl-3213	164	4	effects	effect	NOUN
hassl-3213	164	5	model	model	NOUN
hassl-3213	164	6	,	,	PUNCT
hassl-3213	164	7	we	we	PRON
hassl-3213	164	8	found	find	VERB
hassl-3213	164	9	that	that	SCONJ
hassl-3213	164	10	the	the	DET
hassl-3213	164	11	coefficients	coefficient	NOUN
hassl-3213	164	12	are	be	AUX
hassl-3213	164	13	fixed	fix	VERB
hassl-3213	164	14	or	or	CCONJ
hassl-3213	164	15	non	non	ADJ
hassl-3213	164	16	-	-	ADJ
hassl-3213	164	17	random	random	ADJ
hassl-3213	164	18	.	.	PUNCT
hassl-3213	165	1	on	on	ADP
hassl-3213	165	2	the	the	DET
hassl-3213	165	3	other	other	ADJ
hassl-3213	165	4	hand	hand	NOUN
hassl-3213	165	5	,	,	PUNCT
hassl-3213	165	6	in	in	ADP
hassl-3213	165	7	the	the	DET
hassl-3213	165	8	random	random	ADJ
hassl-3213	165	9	effects	effect	NOUN
hassl-3213	165	10	model	model	NOUN
hassl-3213	165	11	,	,	PUNCT
hassl-3213	165	12	the	the	DET
hassl-3213	165	13	coefficients	coefficient	NOUN
hassl-3213	165	14	are	be	AUX
hassl-3213	165	15	non	non	ADJ
hassl-3213	165	16	-	-	ADJ
hassl-3213	165	17	fixed	fixed	ADJ
hassl-3213	165	18	or	or	CCONJ
hassl-3213	165	19	random	random	ADJ
hassl-3213	165	20	.	.	PUNCT
hassl-3213	166	1	the	the	DET
hassl-3213	166	2	fixed	fix	VERB
hassl-3213	166	3	effects	effect	NOUN
hassl-3213	166	4	model	model	NOUN
hassl-3213	166	5	considers	consider	VERB
hassl-3213	166	6	a	a	DET
hassl-3213	166	7	regression	regression	NOUN
hassl-3213	166	8	in	in	ADP
hassl-3213	166	9	which	which	PRON
hassl-3213	166	10	the	the	DET
hassl-3213	166	11	group	group	NOUN
hassl-3213	166	12	means	mean	VERB
hassl-3213	166	13	are	be	AUX
hassl-3213	166	14	fixed	fix	VERB
hassl-3213	166	15	.	.	PUNCT
hassl-3213	167	1	in	in	ADP
hassl-3213	167	2	the	the	DET
hassl-3213	167	3	random	random	ADJ
hassl-3213	167	4	effects	effect	NOUN
hassl-3213	167	5	model	model	NOUN
hassl-3213	167	6	,	,	PUNCT
hassl-3213	167	7	the	the	DET
hassl-3213	167	8	group	group	NOUN
hassl-3213	167	9	means	mean	VERB
hassl-3213	167	10	are	be	AUX
hassl-3213	167	11	a	a	DET
hassl-3213	167	12	random	random	ADJ
hassl-3213	167	13	sample	sample	NOUN
hassl-3213	167	14	from	from	ADP
hassl-3213	167	15	a	a	DET
hassl-3213	167	16	population	population	NOUN
hassl-3213	167	17	.	.	PUNCT
hassl-3213	168	1	equation	equation	NOUN
hassl-3213	168	2	2	2	NUM
hassl-3213	168	3	gives	give	VERB
hassl-3213	168	4	the	the	DET
hassl-3213	168	5	reduced	reduce	VERB
hassl-3213	168	6	form	form	NOUN
hassl-3213	168	7	of	of	ADP
hassl-3213	168	8	the	the	DET
hassl-3213	168	9	model	model	NOUN
hassl-3213	168	10	that	that	PRON
hassl-3213	168	11	was	be	AUX
hassl-3213	168	12	estimated	estimate	VERB
hassl-3213	168	13	in	in	ADP
hassl-3213	168	14	order	order	NOUN
hassl-3213	168	15	to	to	PART
hassl-3213	168	16	explain	explain	VERB
hassl-3213	168	17	the	the	DET
hassl-3213	168	18	behavior	behavior	NOUN
hassl-3213	168	19	of	of	ADP
hassl-3213	168	20	the	the	DET
hassl-3213	168	21	revenue	revenue	NOUN
hassl-3213	168	22	equation	equation	NOUN
hassl-3213	168	23	in	in	ADP
hassl-3213	168	24	response	response	NOUN
hassl-3213	168	25	to	to	ADP
hassl-3213	168	26	the	the	DET
hassl-3213	168	27	variables	variable	NOUN
hassl-3213	168	28	assumed	assume	VERB
hassl-3213	168	29	to	to	PART
hassl-3213	168	30	affect	affect	VERB
hassl-3213	168	31	banks	bank	NOUN
hassl-3213	168	32	’	'	PUNCT
hassl-3213	168	33	revenues	revenue	NOUN
hassl-3213	168	34	.	.	PUNCT
hassl-3213	169	1	the	the	DET
hassl-3213	169	2	reduced	reduce	VERB
hassl-3213	169	3	equation	equation	NOUN
hassl-3213	169	4	of	of	ADP
hassl-3213	169	5	the	the	DET
hassl-3213	169	6	model	model	NOUN
hassl-3213	169	7	that	that	PRON
hassl-3213	169	8	examined	examine	VERB
hassl-3213	169	9	the	the	DET
hassl-3213	169	10	behavior	behavior	NOUN
hassl-3213	169	11	of	of	ADP
hassl-3213	169	12	the	the	DET
hassl-3213	169	13	competitive	competitive	ADJ
hassl-3213	169	14	condition	condition	NOUN
hassl-3213	169	15	in	in	ADP
hassl-3213	169	16	kuwait	kuwait	PROPN
hassl-3213	169	17	was	be	AUX
hassl-3213	169	18	in	in	ADP
hassl-3213	169	19	the	the	DET
hassl-3213	169	20	following	follow	VERB
hassl-3213	169	21	form	form	NOUN
hassl-3213	169	22	:	:	PUNCT
hassl-3213	169	23	𝑅𝑖𝑡	𝑅𝑖𝑡	PROPN
hassl-3213	169	24	=	=	SYM
hassl-3213	169	25	𝛼𝑖	𝛼𝑖	PROPN
hassl-3213	169	26	+	+	NOUN
hassl-3213	169	27	𝛽1𝐿𝐴𝐵𝑂𝑅𝑖𝑡	𝛽1𝐿𝐴𝐵𝑂𝑅𝑖𝑡	ADJ
hassl-3213	169	28	+	+	CCONJ
hassl-3213	169	29	𝛽2𝐶𝐴𝑃𝐼𝑇𝐴𝐿𝑖𝑡	𝛽2𝐶𝐴𝑃𝐼𝑇𝐴𝐿𝑖𝑡	NOUN
hassl-3213	169	30	+	+	CCONJ
hassl-3213	169	31	𝛽3𝐹𝑈𝑁𝐷𝑆𝑖𝑡	𝛽3𝐹𝑈𝑁𝐷𝑆𝑖𝑡	NOUN
hassl-3213	169	32	+	+	NUM
hassl-3213	169	33	𝛾1𝐸𝑄𝑈𝐼𝑇𝑌𝑖𝑡	𝛾1𝐸𝑄𝑈𝐼𝑇𝑌𝑖𝑡	NOUN
hassl-3213	169	34	+	+	CCONJ
hassl-3213	169	35	𝛾2𝐿𝑂𝐴𝑁𝑆𝑖𝑡	𝛾2𝐿𝑂𝐴𝑁𝑆𝑖𝑡	NOUN
hassl-3213	169	36	+	+	CCONJ
hassl-3213	169	37	𝛾3𝐸𝑄𝑈𝐼𝑇𝐼𝐸𝑆𝑖𝑡	𝛾3𝐸𝑄𝑈𝐼𝑇𝐼𝐸𝑆𝑖𝑡	VERB
hassl-3213	169	38	+	+	CCONJ
hassl-3213	169	39	µ𝑖𝑡	µ𝑖𝑡	ADJ
hassl-3213	169	40	(	(	PUNCT
hassl-3213	169	41	2	2	NUM
hassl-3213	169	42	)	)	PUNCT
hassl-3213	169	43	βi	βi	PRON
hassl-3213	170	1	and	and	CCONJ
hassl-3213	170	2	γi	γi	PROPN
hassl-3213	170	3	are	be	AUX
hassl-3213	170	4	the	the	DET
hassl-3213	170	5	coefficients	coefficient	NOUN
hassl-3213	170	6	of	of	ADP
hassl-3213	170	7	the	the	DET
hassl-3213	170	8	elasticities	elasticity	NOUN
hassl-3213	170	9	of	of	ADP
hassl-3213	170	10	the	the	DET
hassl-3213	170	11	independent	independent	ADJ
hassl-3213	170	12	variables	variable	NOUN
hassl-3213	170	13	to	to	ADP
hassl-3213	170	14	the	the	DET
hassl-3213	170	15	dependent	dependent	ADJ
hassl-3213	170	16	variable	variable	NOUN
hassl-3213	170	17	,	,	PUNCT
hassl-3213	170	18	µ	µ	X
hassl-3213	170	19	is	be	AUX
hassl-3213	170	20	the	the	DET
hassl-3213	170	21	disturbance	disturbance	NOUN
hassl-3213	170	22	term	term	NOUN
hassl-3213	170	23	,	,	PUNCT
hassl-3213	170	24	αi	αi	PROPN
hassl-3213	170	25	denotes	denote	VERB
hassl-3213	170	26	bank	bank	NOUN
hassl-3213	170	27	-	-	PUNCT
hassl-3213	170	28	level	level	NOUN
hassl-3213	170	29	fixed	fix	VERB
hassl-3213	170	30	effects	effect	NOUN
hassl-3213	170	31	,	,	PUNCT
hassl-3213	170	32	i	i	PRON
hassl-3213	170	33	stands	stand	VERB
hassl-3213	170	34	for	for	ADP
hassl-3213	170	35	the	the	DET
hassl-3213	170	36	specified	specify	VERB
hassl-3213	170	37	bank	bank	NOUN
hassl-3213	170	38	and	and	CCONJ
hassl-3213	170	39	t	t	PROPN
hassl-3213	170	40	stands	stand	VERB
hassl-3213	170	41	for	for	ADP
hassl-3213	170	42	the	the	DET
hassl-3213	170	43	time	time	NOUN
hassl-3213	170	44	period	period	NOUN
hassl-3213	170	45	.	.	PUNCT
hassl-3213	171	1	to	to	PART
hassl-3213	171	2	measure	measure	VERB
hassl-3213	171	3	competitiveness	competitiveness	NOUN
hassl-3213	171	4	in	in	ADP
hassl-3213	171	5	the	the	DET
hassl-3213	171	6	banking	banking	NOUN
hassl-3213	171	7	sector	sector	NOUN
hassl-3213	171	8	in	in	ADP
hassl-3213	171	9	kuwait	kuwait	PROPN
hassl-3213	171	10	,	,	PUNCT
hassl-3213	171	11	this	this	DET
hassl-3213	171	12	paper	paper	NOUN
hassl-3213	171	13	used	use	VERB
hassl-3213	171	14	use	use	NOUN
hassl-3213	171	15	the	the	DET
hassl-3213	171	16	h	h	NOUN
hassl-3213	171	17	statistic	statistic	NOUN
hassl-3213	171	18	technique	technique	NOUN
hassl-3213	171	19	by	by	ADP
hassl-3213	171	20	panzar	panzar	NOUN
hassl-3213	171	21	and	and	CCONJ
hassl-3213	171	22	rosse	rosse	PROPN
hassl-3213	171	23	(	(	PUNCT
hassl-3213	171	24	1987	1987	NUM
hassl-3213	171	25	)	)	PUNCT
hassl-3213	171	26	following	follow	VERB
hassl-3213	171	27	turk	turk	NOUN
hassl-3213	171	28	-	-	PUNCT
hassl-3213	171	29	ariss	ariss	PROPN
hassl-3213	171	30	(	(	PUNCT
hassl-3213	171	31	2009	2009	NUM
hassl-3213	171	32	)	)	PUNCT
hassl-3213	171	33	.	.	PUNCT
hassl-3213	172	1	first	first	ADV
hassl-3213	172	2	,	,	PUNCT
hassl-3213	172	3	we	we	PRON
hassl-3213	172	4	regressed	regress	VERB
hassl-3213	172	5	the	the	DET
hassl-3213	172	6	returns	return	NOUN
hassl-3213	172	7	of	of	ADP
hassl-3213	172	8	banks	bank	NOUN
hassl-3213	172	9	on	on	ADP
hassl-3213	172	10	their	their	PRON
hassl-3213	172	11	main	main	ADJ
hassl-3213	172	12	determinants	determinant	NOUN
hassl-3213	172	13	as	as	SCONJ
hassl-3213	172	14	they	they	PRON
hassl-3213	172	15	appear	appear	VERB
hassl-3213	172	16	in	in	ADP
hassl-3213	172	17	equation	equation	NOUN
hassl-3213	172	18	2	2	NUM
hassl-3213	172	19	.	.	PUNCT
hassl-3213	173	1	simply	simply	ADV
hassl-3213	173	2	,	,	PUNCT
hassl-3213	173	3	the	the	DET
hassl-3213	173	4	h	h	NOUN
hassl-3213	173	5	statistic	statistic	NOUN
hassl-3213	173	6	is	be	AUX
hassl-3213	173	7	the	the	DET
hassl-3213	173	8	sum	sum	NOUN
hassl-3213	173	9	of	of	ADP
hassl-3213	173	10	the	the	DET
hassl-3213	173	11	first	first	ADJ
hassl-3213	173	12	3	3	NUM
hassl-3213	173	13	coefficients	coefficient	NOUN
hassl-3213	173	14	;	;	PUNCT
hassl-3213	173	15	β1+β2+β3	β1+β2+β3	NOUN
hassl-3213	173	16	.	.	PUNCT
hassl-3213	174	1	if	if	SCONJ
hassl-3213	174	2	this	this	DET
hassl-3213	174	3	sum	sum	NOUN
hassl-3213	174	4	is	be	AUX
hassl-3213	174	5	close	close	ADJ
hassl-3213	174	6	to	to	ADP
hassl-3213	174	7	zero	zero	NUM
hassl-3213	174	8	,	,	PUNCT
hassl-3213	174	9	this	this	PRON
hassl-3213	174	10	satisfies	satisfy	VERB
hassl-3213	174	11	the	the	DET
hassl-3213	174	12	equilibrium	equilibrium	NOUN
hassl-3213	174	13	condition	condition	NOUN
hassl-3213	174	14	.	.	PUNCT
hassl-3213	175	1	this	this	PRON
hassl-3213	175	2	means	mean	VERB
hassl-3213	175	3	that	that	SCONJ
hassl-3213	175	4	the	the	DET
hassl-3213	175	5	return	return	NOUN
hassl-3213	175	6	on	on	ADP
hassl-3213	175	7	assets	asset	NOUN
hassl-3213	175	8	is	be	AUX
hassl-3213	175	9	not	not	PART
hassl-3213	175	10	related	relate	VERB
hassl-3213	175	11	to	to	ADP
hassl-3213	175	12	the	the	DET
hassl-3213	175	13	costs	cost	NOUN
hassl-3213	175	14	of	of	ADP
hassl-3213	175	15	labor	labor	NOUN
hassl-3213	175	16	,	,	PUNCT
hassl-3213	175	17	capital	capital	NOUN
hassl-3213	175	18	,	,	PUNCT
hassl-3213	175	19	and	and	CCONJ
hassl-3213	175	20	funds	fund	NOUN
hassl-3213	175	21	,	,	PUNCT
hassl-3213	175	22	or	or	CCONJ
hassl-3213	175	23	input	input	NOUN
hassl-3213	175	24	prices	price	NOUN
hassl-3213	175	25	.	.	PUNCT
hassl-3213	176	1	in	in	ADP
hassl-3213	176	2	other	other	ADJ
hassl-3213	176	3	words	word	NOUN
hassl-3213	176	4	,	,	PUNCT
hassl-3213	176	5	this	this	PRON
hassl-3213	176	6	would	would	AUX
hassl-3213	176	7	be	be	AUX
hassl-3213	176	8	clear	clear	ADJ
hassl-3213	176	9	evidence	evidence	NOUN
hassl-3213	176	10	of	of	ADP
hassl-3213	176	11	pure	pure	ADJ
hassl-3213	176	12	monopoly	monopoly	NOUN
hassl-3213	176	13	.	.	PUNCT
hassl-3213	177	1	on	on	ADP
hassl-3213	177	2	the	the	DET
hassl-3213	177	3	other	other	ADJ
hassl-3213	177	4	hand	hand	NOUN
hassl-3213	177	5	,	,	PUNCT
hassl-3213	177	6	if	if	SCONJ
hassl-3213	177	7	the	the	DET
hassl-3213	177	8	value	value	NOUN
hassl-3213	177	9	of	of	ADP
hassl-3213	177	10	the	the	DET
hassl-3213	177	11	h	h	NOUN
hassl-3213	177	12	statistic	statistic	NOUN
hassl-3213	177	13	is	be	AUX
hassl-3213	177	14	close	close	ADJ
hassl-3213	177	15	to	to	ADP
hassl-3213	177	16	1	1	NUM
hassl-3213	177	17	,	,	PUNCT
hassl-3213	177	18	this	this	PRON
hassl-3213	177	19	would	would	AUX
hassl-3213	177	20	indicate	indicate	VERB
hassl-3213	177	21	a	a	DET
hassl-3213	177	22	perfectly	perfectly	ADV
hassl-3213	177	23	competitive	competitive	ADJ
hassl-3213	177	24	market	market	NOUN
hassl-3213	177	25	structure	structure	NOUN
hassl-3213	177	26	(	(	PUNCT
hassl-3213	177	27	olszak	olszak	NOUN
hassl-3213	177	28	,	,	PUNCT
hassl-3213	177	29	świtała	świtała	NOUN
hassl-3213	177	30	,	,	PUNCT
hassl-3213	177	31	&	&	CCONJ
hassl-3213	177	32	kowalska	kowalska	PROPN
hassl-3213	177	33	,	,	PUNCT
hassl-3213	177	34	2013	2013	NUM
hassl-3213	177	35	)	)	PUNCT
hassl-3213	177	36	.	.	PUNCT
hassl-3213	178	1	5	5	X
hassl-3213	178	2	.	.	X
hassl-3213	178	3	descriptive	descriptive	ADJ
hassl-3213	178	4	statistics	statistic	NOUN
hassl-3213	178	5	table	table	NOUN
hassl-3213	178	6	1	1	NUM
hassl-3213	178	7	shows	show	VERB
hassl-3213	178	8	the	the	DET
hassl-3213	178	9	average	average	ADJ
hassl-3213	178	10	values	value	NOUN
hassl-3213	178	11	of	of	ADP
hassl-3213	178	12	each	each	DET
hassl-3213	178	13	variable	variable	NOUN
hassl-3213	178	14	of	of	ADP
hassl-3213	178	15	this	this	DET
hassl-3213	178	16	study	study	NOUN
hassl-3213	178	17	during	during	ADP
hassl-3213	178	18	the	the	DET
hassl-3213	178	19	period	period	NOUN
hassl-3213	178	20	of	of	ADP
hassl-3213	178	21	2010	2010	NUM
hassl-3213	178	22	2020	2020	NUM
hassl-3213	178	23	.	.	PUNCT
hassl-3213	179	1	the	the	DET
hassl-3213	179	2	data	datum	NOUN
hassl-3213	179	3	of	of	ADP
hassl-3213	179	4	this	this	DET
hassl-3213	179	5	study	study	NOUN
hassl-3213	179	6	include	include	VERB
hassl-3213	179	7	the	the	DET
hassl-3213	179	8	largest	large	ADJ
hassl-3213	179	9	nine	nine	NUM
hassl-3213	179	10	banks	bank	NOUN
hassl-3213	179	11	in	in	ADP
hassl-3213	179	12	kuwait	kuwait	PROPN
hassl-3213	179	13	.	.	PUNCT
hassl-3213	180	1	the	the	DET
hassl-3213	180	2	available	available	ADJ
hassl-3213	180	3	data	datum	NOUN
hassl-3213	180	4	indicate	indicate	VERB
hassl-3213	180	5	a	a	DET
hassl-3213	180	6	minimum	minimum	NOUN
hassl-3213	180	7	of	of	ADP
hassl-3213	180	8	95	95	NUM
hassl-3213	180	9	observations	observation	NOUN
hassl-3213	180	10	for	for	ADP
hassl-3213	180	11	each	each	DET
hassl-3213	180	12	variable	variable	NOUN
hassl-3213	180	13	.	.	PUNCT
hassl-3213	181	1	table	table	NOUN
hassl-3213	181	2	1	1	NUM
hassl-3213	181	3	.	.	PUNCT
hassl-3213	182	1	mean	mean	ADJ
hassl-3213	182	2	values	value	NOUN
hassl-3213	182	3	of	of	ADP
hassl-3213	182	4	the	the	DET
hassl-3213	182	5	variables	variable	NOUN
hassl-3213	182	6	.	.	PUNCT
hassl-3213	183	1	variables	variable	NOUN
hassl-3213	183	2	roa	roa	PROPN
hassl-3213	183	3	roe	roe	PROPN
hassl-3213	183	4	labor	labor	PROPN
hassl-3213	183	5	funds	fund	NOUN
hassl-3213	183	6	capital	capital	NOUN
hassl-3213	183	7	credit	credit	NOUN
hassl-3213	183	8	deposit	deposit	NOUN
hassl-3213	183	9	equity	equity	NOUN
hassl-3213	183	10	2010	2010	NUM
hassl-3213	183	11	0.033	0.033	NUM
hassl-3213	183	12	0.386	0.386	NUM
hassl-3213	183	13	0.011	0.011	NUM
hassl-3213	183	14	0.023	0.023	NUM
hassl-3213	183	15	0.016	0.016	NUM
hassl-3213	183	16	0.601	0.601	NUM
hassl-3213	183	17	0.701	0.701	NUM
hassl-3213	183	18	0.102	0.102	NUM
hassl-3213	183	19	2011	2011	NUM
hassl-3213	183	20	0.035	0.035	NUM
hassl-3213	183	21	0.298	0.298	NUM
hassl-3213	183	22	0.045	0.045	NUM
hassl-3213	183	23	0.018	0.018	NUM
hassl-3213	183	24	0.021	0.021	NUM
hassl-3213	183	25	0.524	0.524	NUM
hassl-3213	183	26	0.640	0.640	NUM
hassl-3213	183	27	0.204	0.204	NUM
hassl-3213	183	28	2012	2012	NUM
hassl-3213	183	29	0.037	0.037	NUM
hassl-3213	183	30	0.318	0.318	NUM
hassl-3213	183	31	0.017	0.017	NUM
hassl-3213	183	32	0.016	0.016	NUM
hassl-3213	183	33	0.019	0.019	NUM
hassl-3213	183	34	0.579	0.579	NUM
hassl-3213	183	35	0.668	0.668	NUM
hassl-3213	183	36	0.152	0.152	NUM
hassl-3213	183	37	2013	2013	NUM
hassl-3213	183	38	0.035	0.035	NUM
hassl-3213	183	39	0.334	0.334	NUM
hassl-3213	183	40	0.012	0.012	NUM
hassl-3213	183	41	0.014	0.014	NUM
hassl-3213	183	42	0.018	0.018	NUM
hassl-3213	183	43	0.601	0.601	NUM
hassl-3213	183	44	0.707	0.707	NUM
hassl-3213	183	45	0.121	0.121	NUM
hassl-3213	183	46	2014	2014	NUM
hassl-3213	183	47	0.030	0.030	NUM
hassl-3213	183	48	0.285	0.285	NUM
hassl-3213	183	49	0.012	0.012	NUM
hassl-3213	183	50	0.015	0.015	NUM
hassl-3213	183	51	0.014	0.014	NUM
hassl-3213	183	52	0.615	0.615	NUM
hassl-3213	183	53	0.676	0.676	NUM
hassl-3213	183	54	0.116	0.116	NUM
hassl-3213	183	55	2015	2015	NUM
hassl-3213	183	56	0.032	0.032	NUM
hassl-3213	183	57	0.305	0.305	NUM
hassl-3213	183	58	0.012	0.012	NUM
hassl-3213	183	59	0.015	0.015	NUM
hassl-3213	183	60	0.014	0.014	NUM
hassl-3213	183	61	0.632	0.632	NUM
hassl-3213	183	62	0.666	0.666	NUM
hassl-3213	183	63	0.111	0.111	NUM
hassl-3213	183	64	2016	2016	NUM
hassl-3213	183	65	0.030	0.030	NUM
hassl-3213	183	66	0.291	0.291	NUM
hassl-3213	183	67	0.011	0.011	NUM
hassl-3213	183	68	0.020	0.020	NUM
hassl-3213	183	69	0.013	0.013	NUM
hassl-3213	183	70	0.635	0.635	NUM
hassl-3213	183	71	0.665	0.665	NUM
hassl-3213	183	72	0.112	0.112	NUM
hassl-3213	183	73	2017	2017	NUM
hassl-3213	183	74	0.031	0.031	NUM
hassl-3213	183	75	0.294	0.294	NUM
hassl-3213	183	76	0.012	0.012	NUM
hassl-3213	183	77	0.021	0.021	NUM
hassl-3213	183	78	0.013	0.013	NUM
hassl-3213	183	79	0.637	0.637	NUM
hassl-3213	183	80	0.661	0.661	NUM
hassl-3213	183	81	0.113	0.113	NUM
hassl-3213	183	82	2018	2018	NUM
hassl-3213	183	83	0.032	0.032	NUM
hassl-3213	183	84	0.292	0.292	NUM
hassl-3213	183	85	0.011	0.011	NUM
hassl-3213	183	86	0.025	0.025	NUM
hassl-3213	183	87	0.012	0.012	NUM
hassl-3213	183	88	0.643	0.643	NUM
hassl-3213	183	89	0.645	0.645	NUM
hassl-3213	183	90	0.114	0.114	NUM
hassl-3213	183	91	2019	2019	NUM
hassl-3213	183	92	0.029	0.029	NUM
hassl-3213	183	93	0.262	0.262	NUM
hassl-3213	183	94	0.011	0.011	NUM
hassl-3213	183	95	0.029	0.029	NUM
hassl-3213	183	96	0.012	0.012	NUM
hassl-3213	183	97	0.627	0.627	NUM
hassl-3213	183	98	0.653	0.653	NUM
hassl-3213	183	99	0.117	0.117	NUM
hassl-3213	183	100	2020	2020	NUM
hassl-3213	183	101	0.025	0.025	NUM
hassl-3213	183	102	0.249	0.249	NUM
hassl-3213	183	103	0.009	0.009	NUM
hassl-3213	183	104	0.021	0.021	NUM
hassl-3213	183	105	0.011	0.011	NUM
hassl-3213	183	106	0.646	0.646	NUM
hassl-3213	183	107	0.678	0.678	NUM
hassl-3213	183	108	0.107	0.107	NUM
hassl-3213	183	109	note	note	NOUN
hassl-3213	183	110	:	:	PUNCT
hassl-3213	183	111	data	datum	NOUN
hassl-3213	183	112	represent	represent	VERB
hassl-3213	183	113	the	the	DET
hassl-3213	183	114	average	average	NOUN
hassl-3213	183	115	of	of	ADP
hassl-3213	183	116	each	each	DET
hassl-3213	183	117	variable	variable	NOUN
hassl-3213	183	118	.	.	PUNCT
hassl-3213	184	1	variables	variable	NOUN
hassl-3213	184	2	are	be	AUX
hassl-3213	184	3	calculated	calculate	VERB
hassl-3213	184	4	using	use	VERB
hassl-3213	184	5	the	the	DET
hassl-3213	184	6	definition	definition	NOUN
hassl-3213	184	7	reported	report	VERB
hassl-3213	184	8	in	in	ADP
hassl-3213	184	9	the	the	DET
hassl-3213	184	10	methodology	methodology	NOUN
hassl-3213	184	11	.	.	PUNCT
hassl-3213	185	1	source	source	NOUN
hassl-3213	185	2	:	:	PUNCT
hassl-3213	185	3	calculations	calculation	NOUN
hassl-3213	185	4	are	be	AUX
hassl-3213	185	5	based	base	VERB
hassl-3213	185	6	on	on	ADP
hassl-3213	185	7	data	datum	NOUN
hassl-3213	185	8	retrieved	retrieve	VERB
hassl-3213	185	9	from	from	ADP
hassl-3213	185	10	the	the	DET
hassl-3213	185	11	annual	annual	ADJ
hassl-3213	185	12	reports	report	NOUN
hassl-3213	185	13	of	of	ADP
hassl-3213	185	14	the	the	DET
hassl-3213	185	15	commercial	commercial	ADJ
hassl-3213	185	16	banks	bank	NOUN
hassl-3213	185	17	themselves	themselves	PRON
hassl-3213	185	18	.	.	PUNCT
hassl-3213	186	1	humanities	humanity	NOUN
hassl-3213	186	2	and	and	CCONJ
hassl-3213	186	3	social	social	ADJ
hassl-3213	186	4	sciences	science	NOUN
hassl-3213	186	5	letters	letter	NOUN
hassl-3213	186	6	,	,	PUNCT
hassl-3213	186	7	2022	2022	NUM
hassl-3213	186	8	,	,	PUNCT
hassl-3213	186	9	10(4	10(4	NUM
hassl-3213	186	10	):	):	PUNCT
hassl-3213	186	11	606	606	NUM
hassl-3213	186	12	-	-	SYM
hassl-3213	186	13	613	613	NUM
hassl-3213	186	14	611	611	NUM
hassl-3213	186	15	©	©	PROPN
hassl-3213	186	16	2022	2022	NUM
hassl-3213	186	17	conscientia	conscientia	PROPN
hassl-3213	186	18	beam	beam	PROPN
hassl-3213	186	19	.	.	PUNCT
hassl-3213	187	1	all	all	DET
hassl-3213	187	2	rights	right	NOUN
hassl-3213	187	3	reserved	reserve	VERB
hassl-3213	187	4	.	.	PUNCT
hassl-3213	188	1	table	table	NOUN
hassl-3213	188	2	2	2	NUM
hassl-3213	188	3	shows	show	VERB
hassl-3213	188	4	a	a	DET
hassl-3213	188	5	summary	summary	NOUN
hassl-3213	188	6	of	of	ADP
hassl-3213	188	7	the	the	DET
hassl-3213	188	8	main	main	ADJ
hassl-3213	188	9	statistics	statistic	NOUN
hassl-3213	188	10	for	for	ADP
hassl-3213	188	11	the	the	DET
hassl-3213	188	12	variables	variable	NOUN
hassl-3213	188	13	used	use	VERB
hassl-3213	188	14	in	in	ADP
hassl-3213	188	15	this	this	DET
hassl-3213	188	16	study	study	NOUN
hassl-3213	188	17	.	.	PUNCT
hassl-3213	189	1	the	the	DET
hassl-3213	189	2	data	datum	NOUN
hassl-3213	189	3	show	show	VERB
hassl-3213	189	4	that	that	SCONJ
hassl-3213	189	5	the	the	DET
hassl-3213	189	6	banks	bank	NOUN
hassl-3213	189	7	included	include	VERB
hassl-3213	189	8	in	in	ADP
hassl-3213	189	9	the	the	DET
hassl-3213	189	10	sample	sample	NOUN
hassl-3213	189	11	are	be	AUX
hassl-3213	189	12	profitable	profitable	ADJ
hassl-3213	189	13	.	.	PUNCT
hassl-3213	190	1	the	the	DET
hassl-3213	190	2	mean	mean	ADJ
hassl-3213	190	3	value	value	NOUN
hassl-3213	190	4	of	of	ADP
hassl-3213	190	5	roa	roa	PROPN
hassl-3213	190	6	is	be	AUX
hassl-3213	190	7	around	around	ADV
hassl-3213	190	8	3.2	3.2	NUM
hassl-3213	190	9	percent	percent	NOUN
hassl-3213	190	10	,	,	PUNCT
hassl-3213	190	11	and	and	CCONJ
hassl-3213	190	12	the	the	DET
hassl-3213	190	13	mean	mean	ADJ
hassl-3213	190	14	value	value	NOUN
hassl-3213	190	15	of	of	ADP
hassl-3213	190	16	roe	roe	NOUN
hassl-3213	190	17	is	be	AUX
hassl-3213	190	18	around	around	ADV
hassl-3213	190	19	30.1	30.1	NUM
hassl-3213	190	20	percent	percent	NOUN
hassl-3213	190	21	.	.	PUNCT
hassl-3213	191	1	examining	examine	VERB
hassl-3213	191	2	the	the	DET
hassl-3213	191	3	minimum	minimum	ADJ
hassl-3213	191	4	and	and	CCONJ
hassl-3213	191	5	maximum	maximum	ADJ
hassl-3213	191	6	values	value	NOUN
hassl-3213	191	7	of	of	ADP
hassl-3213	191	8	the	the	DET
hassl-3213	191	9	variables	variable	NOUN
hassl-3213	191	10	indicates	indicate	VERB
hassl-3213	191	11	that	that	SCONJ
hassl-3213	191	12	there	there	PRON
hassl-3213	191	13	is	be	VERB
hassl-3213	191	14	consistency	consistency	NOUN
hassl-3213	191	15	among	among	ADP
hassl-3213	191	16	the	the	DET
hassl-3213	191	17	numbers	number	NOUN
hassl-3213	191	18	.	.	PUNCT
hassl-3213	192	1	the	the	DET
hassl-3213	192	2	standard	standard	ADJ
hassl-3213	192	3	deviations	deviation	NOUN
hassl-3213	192	4	have	have	VERB
hassl-3213	192	5	very	very	ADV
hassl-3213	192	6	low	low	ADJ
hassl-3213	192	7	numbers	number	NOUN
hassl-3213	192	8	,	,	PUNCT
hassl-3213	192	9	indicating	indicate	VERB
hassl-3213	192	10	the	the	DET
hassl-3213	192	11	close	close	ADJ
hassl-3213	192	12	performance	performance	NOUN
hassl-3213	192	13	among	among	ADP
hassl-3213	192	14	different	different	ADJ
hassl-3213	192	15	indicators	indicator	NOUN
hassl-3213	192	16	for	for	ADP
hassl-3213	192	17	kuwaiti	kuwaiti	PROPN
hassl-3213	192	18	banks	bank	NOUN
hassl-3213	192	19	.	.	PUNCT
hassl-3213	193	1	this	this	PRON
hassl-3213	193	2	indicates	indicate	VERB
hassl-3213	193	3	a	a	DET
hassl-3213	193	4	huge	huge	ADJ
hassl-3213	193	5	level	level	NOUN
hassl-3213	193	6	of	of	ADP
hassl-3213	193	7	competition	competition	NOUN
hassl-3213	193	8	among	among	ADP
hassl-3213	193	9	them	they	PRON
hassl-3213	193	10	.	.	PUNCT
hassl-3213	194	1	table	table	NOUN
hassl-3213	194	2	2	2	NUM
hassl-3213	194	3	.	.	PUNCT
hassl-3213	194	4	descriptive	descriptive	ADJ
hassl-3213	194	5	statistic	statistic	NOUN
hassl-3213	194	6	of	of	ADP
hassl-3213	194	7	the	the	DET
hassl-3213	194	8	variables	variable	NOUN
hassl-3213	194	9	.	.	PUNCT
hassl-3213	195	1	variables	variable	NOUN
hassl-3213	195	2	roa	roa	PROPN
hassl-3213	195	3	roe	roe	PROPN
hassl-3213	195	4	labor	labor	PROPN
hassl-3213	195	5	funds	fund	NOUN
hassl-3213	195	6	capital	capital	NOUN
hassl-3213	195	7	credit	credit	NOUN
hassl-3213	195	8	deposit	deposit	NOUN
hassl-3213	195	9	equity	equity	NOUN
hassl-3213	195	10	mean	mean	VERB
hassl-3213	195	11	0.032	0.032	NUM
hassl-3213	195	12	0.301	0.301	NUM
hassl-3213	195	13	0.015	0.015	NUM
hassl-3213	195	14	0.020	0.020	NUM
hassl-3213	195	15	0.015	0.015	NUM
hassl-3213	195	16	0.613	0.613	NUM
hassl-3213	195	17	0.669	0.669	NUM
hassl-3213	195	18	0.124	0.124	NUM
hassl-3213	195	19	median	median	NOUN
hassl-3213	195	20	0.032	0.032	NUM
hassl-3213	195	21	0.294	0.294	NUM
hassl-3213	195	22	0.012	0.012	NUM
hassl-3213	195	23	0.020	0.020	NUM
hassl-3213	195	24	0.014	0.014	NUM
hassl-3213	195	25	0.627	0.627	NUM
hassl-3213	195	26	0.666	0.666	NUM
hassl-3213	195	27	0.114	0.114	NUM
hassl-3213	195	28	max	max	PROPN
hassl-3213	195	29	0.037	0.037	NUM
hassl-3213	195	30	0.386	0.386	NUM
hassl-3213	195	31	0.045	0.045	NUM
hassl-3213	195	32	0.029	0.029	NUM
hassl-3213	195	33	0.021	0.021	NUM
hassl-3213	195	34	0.646	0.646	NUM
hassl-3213	195	35	0.707	0.707	NUM
hassl-3213	195	36	0.204	0.204	NUM
hassl-3213	195	37	min	min	NOUN
hassl-3213	195	38	0.025	0.025	NUM
hassl-3213	195	39	0.249	0.249	NUM
hassl-3213	195	40	0.009	0.009	NUM
hassl-3213	195	41	0.014	0.014	NUM
hassl-3213	195	42	0.011	0.011	NUM
hassl-3213	195	43	0.524	0.524	NUM
hassl-3213	195	44	0.640	0.640	NUM
hassl-3213	195	45	0.102	0.102	NUM
hassl-3213	195	46	std	std	NOUN
hassl-3213	195	47	.	.	PUNCT
hassl-3213	196	1	dev	dev	PROPN
hassl-3213	196	2	.	.	PUNCT
hassl-3213	197	1	0.003	0.003	NUM
hassl-3213	197	2	0.036	0.036	NUM
hassl-3213	197	3	0.010	0.010	NUM
hassl-3213	197	4	0.005	0.005	NUM
hassl-3213	197	5	0.003	0.003	NUM
hassl-3213	197	6	0.036	0.036	NUM
hassl-3213	197	7	0.021	0.021	NUM
hassl-3213	197	8	0.029	0.029	NUM
hassl-3213	197	9	skewness	skewness	NOUN
hassl-3213	197	10	-0.232	-0.232	PUNCT
hassl-3213	197	11	1.103	1.103	NUM
hassl-3213	197	12	3.105	3.105	NUM
hassl-3213	197	13	0.713	0.713	NUM
hassl-3213	197	14	0.818	0.818	NUM
hassl-3213	197	15	-1.669	-1.669	PUNCT
hassl-3213	197	16	0.631	0.631	NUM
hassl-3213	197	17	2.417	2.417	NUM
hassl-3213	197	18	kurtosis	kurtosis	NOUN
hassl-3213	197	19	0.569	0.569	NUM
hassl-3213	197	20	2.287	2.287	NUM
hassl-3213	197	21	9.895	9.895	NUM
hassl-3213	197	22	-0.098	-0.098	SYM
hassl-3213	197	23	-0.469	-0.469	X
hassl-3213	197	24	2.987	2.987	NUM
hassl-3213	197	25	-0.048	-0.048	NOUN
hassl-3213	197	26	6.003	6.003	NUM
hassl-3213	197	27	observations	observation	NOUN
hassl-3213	197	28	99	99	NUM
hassl-3213	197	29	95	95	NUM
hassl-3213	197	30	95	95	NUM
hassl-3213	197	31	95	95	NUM
hassl-3213	197	32	98	98	NUM
hassl-3213	197	33	95	95	NUM
hassl-3213	197	34	95	95	NUM
hassl-3213	197	35	95	95	NUM
hassl-3213	197	36	source	source	NOUN
hassl-3213	197	37	:	:	PUNCT
hassl-3213	197	38	calculation	calculation	NOUN
hassl-3213	197	39	based	base	VERB
hassl-3213	197	40	on	on	ADP
hassl-3213	197	41	data	datum	NOUN
hassl-3213	197	42	retrieved	retrieve	VERB
hassl-3213	197	43	from	from	ADP
hassl-3213	197	44	the	the	DET
hassl-3213	197	45	annual	annual	ADJ
hassl-3213	197	46	reports	report	NOUN
hassl-3213	197	47	of	of	ADP
hassl-3213	197	48	the	the	DET
hassl-3213	197	49	commercial	commercial	ADJ
hassl-3213	197	50	bank	bank	NOUN
hassl-3213	197	51	themselves	themselves	PRON
hassl-3213	197	52	.	.	PUNCT
hassl-3213	198	1	6	6	X
hassl-3213	198	2	.	.	X
hassl-3213	198	3	empirical	empirical	ADJ
hassl-3213	198	4	results	result	NOUN
hassl-3213	198	5	to	to	PART
hassl-3213	198	6	compare	compare	VERB
hassl-3213	198	7	between	between	ADP
hassl-3213	198	8	the	the	DET
hassl-3213	198	9	results	result	NOUN
hassl-3213	198	10	of	of	ADP
hassl-3213	198	11	the	the	DET
hassl-3213	198	12	fixed	fix	VERB
hassl-3213	198	13	effects	effect	NOUN
hassl-3213	198	14	and	and	CCONJ
hassl-3213	198	15	random	random	ADJ
hassl-3213	198	16	effects	effect	NOUN
hassl-3213	198	17	models	model	NOUN
hassl-3213	198	18	,	,	PUNCT
hassl-3213	198	19	the	the	DET
hassl-3213	198	20	paper	paper	NOUN
hassl-3213	198	21	utilized	utilize	VERB
hassl-3213	198	22	the	the	DET
hassl-3213	198	23	hausman	hausman	ADJ
hassl-3213	198	24	test	test	NOUN
hassl-3213	198	25	.	.	PUNCT
hassl-3213	199	1	the	the	DET
hassl-3213	199	2	null	null	ADJ
hassl-3213	199	3	hypothesis	hypothesis	NOUN
hassl-3213	199	4	of	of	ADP
hassl-3213	199	5	the	the	DET
hassl-3213	199	6	test	test	NOUN
hassl-3213	199	7	indicates	indicate	VERB
hassl-3213	199	8	that	that	SCONJ
hassl-3213	199	9	the	the	DET
hassl-3213	199	10	random	random	ADJ
hassl-3213	199	11	effects	effect	NOUN
hassl-3213	199	12	is	be	AUX
hassl-3213	199	13	the	the	DET
hassl-3213	199	14	appropriate	appropriate	ADJ
hassl-3213	199	15	model	model	NOUN
hassl-3213	199	16	,	,	PUNCT
hassl-3213	199	17	while	while	SCONJ
hassl-3213	199	18	the	the	DET
hassl-3213	199	19	alternative	alternative	ADJ
hassl-3213	199	20	hypothesis	hypothesis	NOUN
hassl-3213	199	21	indicates	indicate	VERB
hassl-3213	199	22	that	that	SCONJ
hassl-3213	199	23	the	the	DET
hassl-3213	199	24	fixed	fix	VERB
hassl-3213	199	25	effects	effect	NOUN
hassl-3213	199	26	model	model	NOUN
hassl-3213	199	27	is	be	AUX
hassl-3213	199	28	better	well	ADJ
hassl-3213	199	29	for	for	ADP
hassl-3213	199	30	estimation	estimation	NOUN
hassl-3213	199	31	.	.	PUNCT
hassl-3213	200	1	the	the	DET
hassl-3213	200	2	chi	chi	PROPN
hassl-3213	200	3	square	square	PROPN
hassl-3213	200	4	statistic	statistic	NOUN
hassl-3213	200	5	of	of	ADP
hassl-3213	200	6	the	the	DET
hassl-3213	200	7	hausman	hausman	ADJ
hassl-3213	200	8	test	test	NOUN
hassl-3213	200	9	is	be	AUX
hassl-3213	200	10	calculated	calculate	VERB
hassl-3213	200	11	as	as	ADP
hassl-3213	200	12	1.888	1.888	NUM
hassl-3213	200	13	.	.	PUNCT
hassl-3213	201	1	according	accord	VERB
hassl-3213	201	2	to	to	ADP
hassl-3213	201	3	this	this	DET
hassl-3213	201	4	result	result	NOUN
hassl-3213	201	5	,	,	PUNCT
hassl-3213	201	6	we	we	PRON
hassl-3213	201	7	could	could	AUX
hassl-3213	201	8	not	not	PART
hassl-3213	201	9	reject	reject	VERB
hassl-3213	201	10	the	the	DET
hassl-3213	201	11	null	null	ADJ
hassl-3213	201	12	hypothesis	hypothesis	NOUN
hassl-3213	201	13	of	of	ADP
hassl-3213	201	14	the	the	DET
hassl-3213	201	15	random	random	ADJ
hassl-3213	201	16	effects	effect	NOUN
hassl-3213	201	17	model	model	NOUN
hassl-3213	201	18	being	be	AUX
hassl-3213	201	19	the	the	DET
hassl-3213	201	20	appropriate	appropriate	ADJ
hassl-3213	201	21	model	model	NOUN
hassl-3213	201	22	.	.	PUNCT
hassl-3213	202	1	the	the	DET
hassl-3213	202	2	results	result	NOUN
hassl-3213	202	3	(	(	PUNCT
hassl-3213	202	4	as	as	SCONJ
hassl-3213	202	5	appear	appear	VERB
hassl-3213	202	6	in	in	ADP
hassl-3213	202	7	table	table	NOUN
hassl-3213	202	8	3	3	NUM
hassl-3213	202	9	)	)	PUNCT
hassl-3213	202	10	showed	show	VERB
hassl-3213	202	11	that	that	SCONJ
hassl-3213	202	12	the	the	DET
hassl-3213	202	13	cost	cost	NOUN
hassl-3213	202	14	of	of	ADP
hassl-3213	202	15	labor	labor	NOUN
hassl-3213	202	16	has	have	VERB
hassl-3213	202	17	a	a	DET
hassl-3213	202	18	negative	negative	ADJ
hassl-3213	202	19	effect	effect	NOUN
hassl-3213	202	20	on	on	ADP
hassl-3213	202	21	revenues	revenue	NOUN
hassl-3213	202	22	,	,	PUNCT
hassl-3213	202	23	and	and	CCONJ
hassl-3213	202	24	that	that	DET
hassl-3213	202	25	effect	effect	NOUN
hassl-3213	202	26	is	be	AUX
hassl-3213	202	27	significant	significant	ADJ
hassl-3213	202	28	at	at	ADP
hassl-3213	202	29	the	the	DET
hassl-3213	202	30	1	1	NUM
hassl-3213	202	31	%	%	NOUN
hassl-3213	202	32	level	level	NOUN
hassl-3213	202	33	.	.	PUNCT
hassl-3213	203	1	on	on	ADP
hassl-3213	203	2	the	the	DET
hassl-3213	203	3	other	other	ADJ
hassl-3213	203	4	hand	hand	NOUN
hassl-3213	203	5	,	,	PUNCT
hassl-3213	203	6	the	the	DET
hassl-3213	203	7	cost	cost	NOUN
hassl-3213	203	8	and	and	CCONJ
hassl-3213	203	9	investment	investment	NOUN
hassl-3213	203	10	in	in	ADP
hassl-3213	203	11	capital	capital	NOUN
hassl-3213	203	12	showed	show	VERB
hassl-3213	203	13	a	a	DET
hassl-3213	203	14	positive	positive	ADJ
hassl-3213	203	15	effect	effect	NOUN
hassl-3213	203	16	on	on	ADP
hassl-3213	203	17	revenue	revenue	NOUN
hassl-3213	203	18	at	at	ADP
hassl-3213	203	19	the	the	DET
hassl-3213	203	20	1	1	NUM
hassl-3213	203	21	%	%	NOUN
hassl-3213	203	22	significance	significance	NOUN
hassl-3213	203	23	level	level	NOUN
hassl-3213	203	24	.	.	PUNCT
hassl-3213	204	1	this	this	DET
hassl-3213	204	2	result	result	NOUN
hassl-3213	204	3	is	be	AUX
hassl-3213	204	4	consistent	consistent	ADJ
hassl-3213	204	5	with	with	ADP
hassl-3213	204	6	the	the	DET
hassl-3213	204	7	behavior	behavior	NOUN
hassl-3213	204	8	of	of	ADP
hassl-3213	204	9	banks	bank	NOUN
hassl-3213	204	10	in	in	ADP
hassl-3213	204	11	kuwait	kuwait	PROPN
hassl-3213	204	12	,	,	PUNCT
hassl-3213	204	13	which	which	PRON
hassl-3213	204	14	try	try	VERB
hassl-3213	204	15	to	to	PART
hassl-3213	204	16	invest	invest	VERB
hassl-3213	204	17	in	in	ADP
hassl-3213	204	18	all	all	DET
hassl-3213	204	19	technologies	technology	NOUN
hassl-3213	204	20	available	available	ADJ
hassl-3213	204	21	to	to	PART
hassl-3213	204	22	attract	attract	VERB
hassl-3213	204	23	new	new	ADJ
hassl-3213	204	24	customers	customer	NOUN
hassl-3213	204	25	.	.	PUNCT
hassl-3213	205	1	table	table	NOUN
hassl-3213	205	2	3	3	NUM
hassl-3213	205	3	.	.	PUNCT
hassl-3213	205	4	fixed	fix	VERB
hassl-3213	205	5	effect	effect	NOUN
hassl-3213	205	6	model	model	NOUN
hassl-3213	205	7	and	and	CCONJ
hassl-3213	205	8	random	random	ADJ
hassl-3213	205	9	effect	effect	NOUN
hassl-3213	205	10	model	model	NOUN
hassl-3213	205	11	results	result	NOUN
hassl-3213	205	12	.	.	PUNCT
hassl-3213	206	1	(	(	PUNCT
hassl-3213	206	2	dependent	dependent	ADJ
hassl-3213	206	3	variable	variable	NOUN
hassl-3213	206	4	:	:	PUNCT
hassl-3213	206	5	roe	roe	NOUN
hassl-3213	206	6	)	)	PUNCT
hassl-3213	206	7	.	.	PUNCT
hassl-3213	207	1	variables	variable	NOUN
hassl-3213	207	2	fixed	fix	VERB
hassl-3213	207	3	effects	effect	NOUN
hassl-3213	207	4	random	random	ADJ
hassl-3213	207	5	effects	effect	NOUN
hassl-3213	207	6	constant	constant	ADJ
hassl-3213	207	7	0.015	0.015	NUM
hassl-3213	207	8	(	(	PUNCT
hassl-3213	207	9	1.377	1.377	NUM
hassl-3213	207	10	)	)	PUNCT
hassl-3213	207	11	0.017	0.017	NUM
hassl-3213	207	12	(	(	PUNCT
hassl-3213	207	13	1.442	1.442	NUM
hassl-3213	207	14	)	)	PUNCT
hassl-3213	207	15	labor	labor	NOUN
hassl-3213	207	16	-0.182	-0.182	NOUN
hassl-3213	207	17	*	*	PUNCT
hassl-3213	207	18	*	*	PUNCT
hassl-3213	207	19	*	*	PUNCT
hassl-3213	207	20	(	(	PUNCT
hassl-3213	207	21	-4.135	-4.135	NOUN
hassl-3213	207	22	)	)	PUNCT
hassl-3213	207	23	-0.182	-0.182	NOUN
hassl-3213	208	1	*	*	PUNCT
hassl-3213	208	2	*	*	PUNCT
hassl-3213	208	3	*	*	PUNCT
hassl-3213	208	4	(	(	PUNCT
hassl-3213	208	5	-4.165	-4.165	NOUN
hassl-3213	208	6	)	)	PUNCT
hassl-3213	208	7	capital	capital	NOUN
hassl-3213	208	8	0.730	0.730	NUM
hassl-3213	208	9	*	*	PUNCT
hassl-3213	208	10	*	*	PUNCT
hassl-3213	208	11	*	*	PUNCT
hassl-3213	208	12	(	(	PUNCT
hassl-3213	208	13	8.242	8.242	NUM
hassl-3213	208	14	)	)	PUNCT
hassl-3213	208	15	0.728	0.728	NUM
hassl-3213	208	16	*	*	PUNCT
hassl-3213	209	1	*	*	PUNCT
hassl-3213	209	2	*	*	PUNCT
hassl-3213	209	3	(	(	PUNCT
hassl-3213	209	4	8.256	8.256	NUM
hassl-3213	209	5	)	)	PUNCT
hassl-3213	209	6	funds	fund	NOUN
hassl-3213	209	7	-0.008	-0.008	INTJ
hassl-3213	209	8	(	(	PUNCT
hassl-3213	209	9	-0.106	-0.106	NUM
hassl-3213	209	10	)	)	PUNCT
hassl-3213	209	11	-0.005	-0.005	PUNCT
hassl-3213	209	12	(	(	PUNCT
hassl-3213	209	13	-0.069	-0.069	NOUN
hassl-3213	209	14	)	)	PUNCT
hassl-3213	209	15	credit	credit	NOUN
hassl-3213	209	16	-0.007	-0.007	PUNCT
hassl-3213	209	17	(	(	PUNCT
hassl-3213	209	18	-0.573	-0.573	NOUN
hassl-3213	209	19	)	)	PUNCT
hassl-3213	209	20	-0.009	-0.009	NUM
hassl-3213	209	21	(	(	PUNCT
hassl-3213	209	22	-0.688	-0.688	NOUN
hassl-3213	209	23	)	)	PUNCT
hassl-3213	209	24	deposit	deposit	NOUN
hassl-3213	209	25	0.010	0.010	NUM
hassl-3213	209	26	(	(	PUNCT
hassl-3213	209	27	0.950	0.950	NUM
hassl-3213	209	28	)	)	PUNCT
hassl-3213	209	29	0.009	0.009	NUM
hassl-3213	209	30	(	(	PUNCT
hassl-3213	209	31	0.854	0.854	NUM
hassl-3213	209	32	)	)	PUNCT
hassl-3213	209	33	equity	equity	NOUN
hassl-3213	209	34	0.051	0.051	NUM
hassl-3213	209	35	*	*	PUNCT
hassl-3213	210	1	*	*	PUNCT
hassl-3213	210	2	*	*	PUNCT
hassl-3213	210	3	(	(	PUNCT
hassl-3213	210	4	2.978	2.978	NUM
hassl-3213	210	5	)	)	PUNCT
hassl-3213	210	6	0.050	0.050	NUM
hassl-3213	211	1	*	*	PUNCT
hassl-3213	211	2	*	*	PUNCT
hassl-3213	211	3	*	*	PUNCT
hassl-3213	211	4	(	(	PUNCT
hassl-3213	211	5	2.907	2.907	NUM
hassl-3213	211	6	)	)	PUNCT
hassl-3213	211	7	note	note	NOUN
hassl-3213	211	8	:	:	PUNCT
hassl-3213	211	9	t	t	PROPN
hassl-3213	211	10	-	-	PUNCT
hassl-3213	211	11	statistics	statistic	NOUN
hassl-3213	211	12	are	be	AUX
hassl-3213	211	13	reported	report	VERB
hassl-3213	211	14	inside	inside	ADP
hassl-3213	211	15	the	the	DET
hassl-3213	211	16	parentheses	parenthesis	NOUN
hassl-3213	211	17	.	.	PUNCT
hassl-3213	212	1	*	*	PUNCT
hassl-3213	213	1	*	*	PUNCT
hassl-3213	213	2	*	*	PUNCT
hassl-3213	213	3	significant	significant	ADJ
hassl-3213	213	4	at	at	ADP
hassl-3213	213	5	1	1	NUM
hassl-3213	213	6	%	%	NOUN
hassl-3213	213	7	.	.	PUNCT
hassl-3213	214	1	the	the	DET
hassl-3213	214	2	coefficient	coefficient	NOUN
hassl-3213	214	3	of	of	ADP
hassl-3213	214	4	funds	fund	NOUN
hassl-3213	214	5	showed	show	VERB
hassl-3213	214	6	the	the	DET
hassl-3213	214	7	impact	impact	NOUN
hassl-3213	214	8	of	of	ADP
hassl-3213	214	9	the	the	DET
hassl-3213	214	10	cost	cost	NOUN
hassl-3213	214	11	of	of	ADP
hassl-3213	214	12	borrowing	borrowing	NOUN
hassl-3213	214	13	revenue	revenue	NOUN
hassl-3213	214	14	.	.	PUNCT
hassl-3213	215	1	as	as	SCONJ
hassl-3213	215	2	expected	expect	VERB
hassl-3213	215	3	,	,	PUNCT
hassl-3213	215	4	the	the	DET
hassl-3213	215	5	cost	cost	NOUN
hassl-3213	215	6	borrowing	borrowing	NOUN
hassl-3213	215	7	is	be	AUX
hassl-3213	215	8	affecting	affect	VERB
hassl-3213	215	9	revenues	revenue	NOUN
hassl-3213	215	10	negatively	negatively	ADV
hassl-3213	215	11	.	.	PUNCT
hassl-3213	216	1	however	however	ADV
hassl-3213	216	2	,	,	PUNCT
hassl-3213	216	3	that	that	DET
hassl-3213	216	4	effect	effect	NOUN
hassl-3213	216	5	is	be	AUX
hassl-3213	216	6	insignificant	insignificant	ADJ
hassl-3213	216	7	.	.	PUNCT
hassl-3213	217	1	the	the	DET
hassl-3213	217	2	effect	effect	NOUN
hassl-3213	217	3	of	of	ADP
hassl-3213	217	4	equity	equity	NOUN
hassl-3213	217	5	is	be	AUX
hassl-3213	217	6	positive	positive	ADJ
hassl-3213	217	7	and	and	CCONJ
hassl-3213	217	8	significant	significant	ADJ
hassl-3213	217	9	at	at	ADP
hassl-3213	217	10	the	the	DET
hassl-3213	217	11	1	1	NUM
hassl-3213	217	12	%	%	NOUN
hassl-3213	217	13	level	level	NOUN
hassl-3213	217	14	.	.	PUNCT
hassl-3213	218	1	it	it	PRON
hassl-3213	218	2	is	be	AUX
hassl-3213	218	3	important	important	ADJ
hassl-3213	218	4	to	to	PART
hassl-3213	218	5	remember	remember	VERB
hassl-3213	218	6	that	that	SCONJ
hassl-3213	218	7	a	a	DET
hassl-3213	218	8	higher	high	ADJ
hassl-3213	218	9	level	level	NOUN
hassl-3213	218	10	of	of	ADP
hassl-3213	218	11	the	the	DET
hassl-3213	218	12	variable	variable	ADJ
hassl-3213	218	13	equity	equity	NOUN
hassl-3213	218	14	means	mean	VERB
hassl-3213	218	15	less	less	ADJ
hassl-3213	218	16	dependency	dependency	NOUN
hassl-3213	218	17	on	on	ADP
hassl-3213	218	18	outside	outside	ADJ
hassl-3213	218	19	sources	source	NOUN
hassl-3213	218	20	of	of	ADP
hassl-3213	218	21	funds	fund	NOUN
hassl-3213	218	22	.	.	PUNCT
hassl-3213	219	1	the	the	DET
hassl-3213	219	2	positive	positive	ADJ
hassl-3213	219	3	coefficient	coefficient	NOUN
hassl-3213	219	4	indicates	indicate	VERB
hassl-3213	219	5	that	that	SCONJ
hassl-3213	219	6	higher	high	ADJ
hassl-3213	219	7	equity	equity	NOUN
hassl-3213	219	8	will	will	AUX
hassl-3213	219	9	affect	affect	VERB
hassl-3213	219	10	the	the	DET
hassl-3213	219	11	level	level	NOUN
hassl-3213	219	12	of	of	ADP
hassl-3213	219	13	revenues	revenue	NOUN
hassl-3213	219	14	positively	positively	ADV
hassl-3213	219	15	.	.	PUNCT
hassl-3213	220	1	the	the	DET
hassl-3213	220	2	results	result	NOUN
hassl-3213	220	3	presented	present	VERB
hassl-3213	220	4	in	in	ADP
hassl-3213	220	5	table	table	NOUN
hassl-3213	220	6	3	3	NUM
hassl-3213	220	7	are	be	AUX
hassl-3213	220	8	estimated	estimate	VERB
hassl-3213	220	9	using	use	VERB
hassl-3213	220	10	the	the	DET
hassl-3213	220	11	reduced	reduce	VERB
hassl-3213	220	12	-	-	PUNCT
hassl-3213	220	13	form	form	NOUN
hassl-3213	220	14	of	of	ADP
hassl-3213	220	15	revenue	revenue	NOUN
hassl-3213	220	16	equation	equation	NOUN
hassl-3213	220	17	.	.	PUNCT
hassl-3213	221	1	the	the	DET
hassl-3213	221	2	h	h	NOUN
hassl-3213	221	3	statistic	statistic	NOUN
hassl-3213	221	4	was	be	AUX
hassl-3213	221	5	measured	measure	VERB
hassl-3213	221	6	by	by	ADP
hassl-3213	221	7	summing	sum	VERB
hassl-3213	221	8	the	the	DET
hassl-3213	221	9	coefficients	coefficient	NOUN
hassl-3213	221	10	β1	β1	PROPN
hassl-3213	221	11	,	,	PUNCT
hassl-3213	221	12	β2	β2	NOUN
hassl-3213	221	13	and	and	CCONJ
hassl-3213	221	14	β3	β3	VERB
hassl-3213	221	15	,	,	PUNCT
hassl-3213	221	16	as	as	SCONJ
hassl-3213	221	17	they	they	PRON
hassl-3213	221	18	appear	appear	VERB
hassl-3213	221	19	in	in	ADP
hassl-3213	221	20	equation	equation	NOUN
hassl-3213	221	21	2	2	NUM
hassl-3213	221	22	.	.	PUNCT
hassl-3213	222	1	the	the	DET
hassl-3213	222	2	h	h	NOUN
hassl-3213	222	3	statistic	statistic	NOUN
hassl-3213	222	4	was	be	AUX
hassl-3213	222	5	found	find	VERB
hassl-3213	222	6	to	to	PART
hassl-3213	222	7	be	be	AUX
hassl-3213	222	8	0.540	0.540	NUM
hassl-3213	222	9	for	for	ADP
hassl-3213	222	10	the	the	DET
hassl-3213	222	11	period	period	NOUN
hassl-3213	222	12	of	of	ADP
hassl-3213	222	13	2010	2010	NUM
hassl-3213	222	14	2020	2020	NUM
hassl-3213	222	15	.	.	PUNCT
hassl-3213	223	1	these	these	DET
hassl-3213	223	2	results	result	NOUN
hassl-3213	223	3	indicate	indicate	VERB
hassl-3213	223	4	a	a	DET
hassl-3213	223	5	moderate	moderate	ADJ
hassl-3213	223	6	level	level	NOUN
hassl-3213	223	7	in	in	ADP
hassl-3213	223	8	the	the	DET
hassl-3213	223	9	humanities	humanity	NOUN
hassl-3213	223	10	and	and	CCONJ
hassl-3213	223	11	social	social	ADJ
hassl-3213	223	12	sciences	science	NOUN
hassl-3213	223	13	letters	letter	NOUN
hassl-3213	223	14	,	,	PUNCT
hassl-3213	223	15	2022	2022	NUM
hassl-3213	223	16	,	,	PUNCT
hassl-3213	223	17	10(4	10(4	NUM
hassl-3213	223	18	):	):	PUNCT
hassl-3213	223	19	606	606	NUM
hassl-3213	223	20	-	-	SYM
hassl-3213	223	21	613	613	NUM
hassl-3213	223	22	612	612	NUM
hassl-3213	223	23	©	©	PROPN
hassl-3213	223	24	2022	2022	NUM
hassl-3213	223	25	conscientia	conscientia	PROPN
hassl-3213	223	26	beam	beam	PROPN
hassl-3213	223	27	.	.	PUNCT
hassl-3213	224	1	all	all	DET
hassl-3213	224	2	rights	right	NOUN
hassl-3213	224	3	reserved	reserve	VERB
hassl-3213	224	4	.	.	PUNCT
hassl-3213	225	1	competitive	competitive	ADJ
hassl-3213	225	2	environment	environment	NOUN
hassl-3213	225	3	of	of	ADP
hassl-3213	225	4	the	the	DET
hassl-3213	225	5	kuwaiti	kuwaiti	PROPN
hassl-3213	225	6	banking	banking	NOUN
hassl-3213	225	7	sector	sector	NOUN
hassl-3213	225	8	.	.	PUNCT
hassl-3213	226	1	the	the	DET
hassl-3213	226	2	h	h	NOUN
hassl-3213	226	3	statistic	statistic	NOUN
hassl-3213	226	4	should	should	AUX
hassl-3213	226	5	lie	lie	VERB
hassl-3213	226	6	between	between	ADP
hassl-3213	226	7	0	0	NUM
hassl-3213	226	8	and	and	CCONJ
hassl-3213	226	9	1	1	NUM
hassl-3213	226	10	.	.	X
hassl-3213	227	1	if	if	SCONJ
hassl-3213	227	2	the	the	DET
hassl-3213	227	3	value	value	NOUN
hassl-3213	227	4	of	of	ADP
hassl-3213	227	5	the	the	DET
hassl-3213	227	6	h	h	NOUN
hassl-3213	227	7	statistic	statistic	NOUN
hassl-3213	227	8	is	be	AUX
hassl-3213	227	9	close	close	ADJ
hassl-3213	227	10	to	to	ADP
hassl-3213	227	11	zero	zero	NUM
hassl-3213	227	12	,	,	PUNCT
hassl-3213	227	13	this	this	PRON
hassl-3213	227	14	indicates	indicate	VERB
hassl-3213	227	15	monopolistic	monopolistic	ADJ
hassl-3213	227	16	behavior	behavior	NOUN
hassl-3213	227	17	,	,	PUNCT
hassl-3213	227	18	specifically	specifically	ADV
hassl-3213	227	19	an	an	DET
hassl-3213	227	20	oligopoly	oligopoly	NOUN
hassl-3213	227	21	for	for	ADP
hassl-3213	227	22	the	the	DET
hassl-3213	227	23	case	case	NOUN
hassl-3213	227	24	of	of	ADP
hassl-3213	227	25	the	the	DET
hassl-3213	227	26	banking	banking	NOUN
hassl-3213	227	27	industry	industry	NOUN
hassl-3213	227	28	.	.	PUNCT
hassl-3213	228	1	if	if	SCONJ
hassl-3213	228	2	the	the	DET
hassl-3213	228	3	h	h	NOUN
hassl-3213	228	4	statistic	statistic	NOUN
hassl-3213	228	5	is	be	AUX
hassl-3213	228	6	close	close	ADJ
hassl-3213	228	7	to	to	ADP
hassl-3213	228	8	1	1	NUM
hassl-3213	228	9	,	,	PUNCT
hassl-3213	228	10	this	this	PRON
hassl-3213	228	11	is	be	AUX
hassl-3213	228	12	an	an	DET
hassl-3213	228	13	indication	indication	NOUN
hassl-3213	228	14	of	of	ADP
hassl-3213	228	15	perfect	perfect	ADJ
hassl-3213	228	16	competition	competition	NOUN
hassl-3213	228	17	(	(	PUNCT
hassl-3213	228	18	schaeck	schaeck	NOUN
hassl-3213	228	19	,	,	PUNCT
hassl-3213	228	20	cihak	cihak	NOUN
hassl-3213	228	21	,	,	PUNCT
hassl-3213	228	22	&	&	CCONJ
hassl-3213	228	23	wolfe	wolfe	PROPN
hassl-3213	228	24	,	,	PUNCT
hassl-3213	228	25	2009	2009	NUM
hassl-3213	228	26	)	)	PUNCT
hassl-3213	228	27	.	.	PUNCT
hassl-3213	229	1	according	accord	VERB
hassl-3213	229	2	to	to	ADP
hassl-3213	229	3	the	the	DET
hassl-3213	229	4	result	result	NOUN
hassl-3213	229	5	of	of	ADP
hassl-3213	229	6	the	the	DET
hassl-3213	229	7	h	h	PROPN
hassl-3213	229	8	statistic	statistic	NOUN
hassl-3213	229	9	,	,	PUNCT
hassl-3213	229	10	we	we	PRON
hassl-3213	229	11	reject	reject	VERB
hassl-3213	229	12	the	the	DET
hassl-3213	229	13	hypothesis	hypothesis	NOUN
hassl-3213	229	14	that	that	PRON
hassl-3213	229	15	the	the	DET
hassl-3213	229	16	kuwaiti	kuwaiti	PROPN
hassl-3213	229	17	banking	banking	NOUN
hassl-3213	229	18	sector	sector	NOUN
hassl-3213	229	19	is	be	AUX
hassl-3213	229	20	working	work	VERB
hassl-3213	229	21	under	under	ADP
hassl-3213	229	22	either	either	CCONJ
hassl-3213	229	23	a	a	DET
hassl-3213	229	24	monopoly	monopoly	NOUN
hassl-3213	229	25	or	or	CCONJ
hassl-3213	229	26	perfect	perfect	ADJ
hassl-3213	229	27	competition	competition	NOUN
hassl-3213	229	28	.	.	PUNCT
hassl-3213	230	1	in	in	ADP
hassl-3213	230	2	fact	fact	NOUN
hassl-3213	230	3	,	,	PUNCT
hassl-3213	230	4	we	we	PRON
hassl-3213	230	5	suggest	suggest	VERB
hassl-3213	230	6	that	that	SCONJ
hassl-3213	230	7	banks	bank	NOUN
hassl-3213	230	8	earn	earn	VERB
hassl-3213	230	9	their	their	PRON
hassl-3213	230	10	revenues	revenue	NOUN
hassl-3213	230	11	under	under	ADP
hassl-3213	230	12	a	a	DET
hassl-3213	230	13	monopolistic	monopolistic	ADJ
hassl-3213	230	14	competition	competition	NOUN
hassl-3213	230	15	market	market	NOUN
hassl-3213	230	16	.	.	PUNCT
hassl-3213	231	1	this	this	DET
hassl-3213	231	2	result	result	NOUN
hassl-3213	231	3	is	be	AUX
hassl-3213	231	4	somewhat	somewhat	ADV
hassl-3213	231	5	consistent	consistent	ADJ
hassl-3213	231	6	with	with	ADP
hassl-3213	231	7	the	the	DET
hassl-3213	231	8	reality	reality	NOUN
hassl-3213	231	9	of	of	ADP
hassl-3213	231	10	the	the	DET
hassl-3213	231	11	banking	banking	NOUN
hassl-3213	231	12	industry	industry	NOUN
hassl-3213	231	13	.	.	PUNCT
hassl-3213	232	1	an	an	DET
hassl-3213	232	2	h	h	NOUN
hassl-3213	232	3	statistic	statistic	NOUN
hassl-3213	232	4	value	value	NOUN
hassl-3213	232	5	that	that	PRON
hassl-3213	232	6	is	be	AUX
hassl-3213	232	7	close	close	ADJ
hassl-3213	232	8	to	to	ADP
hassl-3213	232	9	1	1	NUM
hassl-3213	232	10	will	will	AUX
hassl-3213	232	11	be	be	AUX
hassl-3213	232	12	unrealistic	unrealistic	ADJ
hassl-3213	232	13	,	,	PUNCT
hassl-3213	232	14	since	since	SCONJ
hassl-3213	232	15	one	one	NUM
hassl-3213	232	16	of	of	ADP
hassl-3213	232	17	the	the	DET
hassl-3213	232	18	main	main	ADJ
hassl-3213	232	19	conditions	condition	NOUN
hassl-3213	232	20	of	of	ADP
hassl-3213	232	21	perfect	perfect	ADJ
hassl-3213	232	22	competition	competition	NOUN
hassl-3213	232	23	is	be	AUX
hassl-3213	232	24	a	a	DET
hassl-3213	232	25	large	large	ADJ
hassl-3213	232	26	number	number	NOUN
hassl-3213	232	27	of	of	ADP
hassl-3213	232	28	producers	producer	NOUN
hassl-3213	232	29	.	.	PUNCT
hassl-3213	233	1	the	the	DET
hassl-3213	233	2	sample	sample	NOUN
hassl-3213	233	3	of	of	ADP
hassl-3213	233	4	this	this	DET
hassl-3213	233	5	study	study	NOUN
hassl-3213	233	6	included	include	VERB
hassl-3213	233	7	only	only	ADV
hassl-3213	233	8	nine	nine	NUM
hassl-3213	233	9	banks	bank	NOUN
hassl-3213	233	10	,	,	PUNCT
hassl-3213	233	11	so	so	SCONJ
hassl-3213	233	12	that	that	SCONJ
hassl-3213	233	13	condition	condition	NOUN
hassl-3213	233	14	is	be	AUX
hassl-3213	233	15	unfulfilled	unfulfilled	ADJ
hassl-3213	233	16	in	in	ADP
hassl-3213	233	17	this	this	DET
hassl-3213	233	18	sector	sector	NOUN
hassl-3213	233	19	.	.	PUNCT
hassl-3213	234	1	though	though	SCONJ
hassl-3213	234	2	kuwait	kuwait	PROPN
hassl-3213	234	3	has	have	VERB
hassl-3213	234	4	23	23	NUM
hassl-3213	234	5	local	local	ADJ
hassl-3213	234	6	and	and	CCONJ
hassl-3213	234	7	international	international	ADJ
hassl-3213	234	8	banks	bank	NOUN
hassl-3213	234	9	by	by	ADP
hassl-3213	234	10	the	the	DET
hassl-3213	234	11	end	end	NOUN
hassl-3213	234	12	of	of	ADP
hassl-3213	234	13	2020	2020	NUM
hassl-3213	234	14	,	,	PUNCT
hassl-3213	234	15	most	most	ADJ
hassl-3213	234	16	of	of	ADP
hassl-3213	234	17	the	the	DET
hassl-3213	234	18	banks	bank	NOUN
hassl-3213	234	19	were	be	AUX
hassl-3213	234	20	not	not	PART
hassl-3213	234	21	included	include	VERB
hassl-3213	234	22	in	in	ADP
hassl-3213	234	23	the	the	DET
hassl-3213	234	24	sample	sample	NOUN
hassl-3213	234	25	study	study	NOUN
hassl-3213	234	26	since	since	SCONJ
hassl-3213	234	27	they	they	PRON
hassl-3213	234	28	were	be	AUX
hassl-3213	234	29	either	either	CCONJ
hassl-3213	234	30	small	small	ADJ
hassl-3213	234	31	or	or	CCONJ
hassl-3213	234	32	had	have	VERB
hassl-3213	234	33	only	only	ADV
hassl-3213	234	34	one	one	NUM
hassl-3213	234	35	or	or	CCONJ
hassl-3213	234	36	two	two	NUM
hassl-3213	234	37	branches	branch	NOUN
hassl-3213	234	38	.	.	PUNCT
hassl-3213	235	1	these	these	DET
hassl-3213	235	2	conditions	condition	NOUN
hassl-3213	235	3	indicated	indicate	VERB
hassl-3213	235	4	that	that	SCONJ
hassl-3213	235	5	the	the	DET
hassl-3213	235	6	industry	industry	NOUN
hassl-3213	235	7	structure	structure	NOUN
hassl-3213	235	8	is	be	AUX
hassl-3213	235	9	far	far	ADV
hassl-3213	235	10	away	away	ADV
hassl-3213	235	11	from	from	ADP
hassl-3213	235	12	being	be	AUX
hassl-3213	235	13	perfect	perfect	ADJ
hassl-3213	235	14	competition	competition	NOUN
hassl-3213	235	15	.	.	PUNCT
hassl-3213	236	1	one	one	NUM
hassl-3213	236	2	the	the	DET
hassl-3213	236	3	other	other	ADJ
hassl-3213	236	4	hand	hand	NOUN
hassl-3213	236	5	,	,	PUNCT
hassl-3213	236	6	the	the	DET
hassl-3213	236	7	level	level	NOUN
hassl-3213	236	8	of	of	ADP
hassl-3213	236	9	competition	competition	NOUN
hassl-3213	236	10	among	among	ADP
hassl-3213	236	11	banks	bank	NOUN
hassl-3213	236	12	is	be	AUX
hassl-3213	236	13	also	also	ADV
hassl-3213	236	14	far	far	ADV
hassl-3213	236	15	away	away	ADV
hassl-3213	236	16	from	from	ADP
hassl-3213	236	17	being	be	AUX
hassl-3213	236	18	monopolistic	monopolistic	ADJ
hassl-3213	236	19	,	,	PUNCT
hassl-3213	236	20	since	since	SCONJ
hassl-3213	236	21	the	the	DET
hassl-3213	236	22	monopolist	monopolist	NOUN
hassl-3213	236	23	does	do	AUX
hassl-3213	236	24	not	not	PART
hassl-3213	236	25	pursue	pursue	VERB
hassl-3213	236	26	new	new	ADJ
hassl-3213	236	27	customers	customer	NOUN
hassl-3213	236	28	as	as	SCONJ
hassl-3213	236	29	happens	happen	VERB
hassl-3213	236	30	in	in	ADP
hassl-3213	236	31	other	other	ADJ
hassl-3213	236	32	kinds	kind	NOUN
hassl-3213	236	33	of	of	ADP
hassl-3213	236	34	market	market	NOUN
hassl-3213	236	35	structures	structure	NOUN
hassl-3213	236	36	.	.	PUNCT
hassl-3213	237	1	the	the	DET
hassl-3213	237	2	high	high	ADJ
hassl-3213	237	3	level	level	NOUN
hassl-3213	237	4	of	of	ADP
hassl-3213	237	5	competition	competition	NOUN
hassl-3213	237	6	among	among	ADP
hassl-3213	237	7	banks	bank	NOUN
hassl-3213	237	8	for	for	ADP
hassl-3213	237	9	attracting	attract	VERB
hassl-3213	237	10	new	new	ADJ
hassl-3213	237	11	customers	customer	NOUN
hassl-3213	237	12	,	,	PUNCT
hassl-3213	237	13	borrowers	borrower	NOUN
hassl-3213	237	14	,	,	PUNCT
hassl-3213	237	15	and	and	CCONJ
hassl-3213	237	16	depositors	depositor	NOUN
hassl-3213	237	17	indicated	indicate	VERB
hassl-3213	237	18	that	that	SCONJ
hassl-3213	237	19	the	the	DET
hassl-3213	237	20	market	market	NOUN
hassl-3213	237	21	structure	structure	NOUN
hassl-3213	237	22	in	in	ADP
hassl-3213	237	23	the	the	DET
hassl-3213	237	24	banking	banking	NOUN
hassl-3213	237	25	industry	industry	NOUN
hassl-3213	237	26	in	in	ADP
hassl-3213	237	27	kuwait	kuwait	PROPN
hassl-3213	237	28	is	be	AUX
hassl-3213	237	29	a	a	DET
hassl-3213	237	30	monopolistic	monopolistic	ADJ
hassl-3213	237	31	competition	competition	NOUN
hassl-3213	237	32	.	.	PUNCT
hassl-3213	238	1	the	the	DET
hassl-3213	238	2	sign	sign	NOUN
hassl-3213	238	3	of	of	ADP
hassl-3213	238	4	the	the	DET
hassl-3213	238	5	coefficient	coefficient	NOUN
hassl-3213	238	6	of	of	ADP
hassl-3213	238	7	credit	credit	NOUN
hassl-3213	238	8	was	be	AUX
hassl-3213	238	9	not	not	PART
hassl-3213	238	10	what	what	PRON
hassl-3213	238	11	we	we	PRON
hassl-3213	238	12	expected	expect	VERB
hassl-3213	238	13	.	.	PUNCT
hassl-3213	239	1	we	we	PRON
hassl-3213	239	2	anticipated	anticipate	VERB
hassl-3213	239	3	that	that	SCONJ
hassl-3213	239	4	more	more	ADJ
hassl-3213	239	5	loans	loan	NOUN
hassl-3213	239	6	provided	provide	VERB
hassl-3213	239	7	to	to	ADP
hassl-3213	239	8	customers	customer	NOUN
hassl-3213	239	9	would	would	AUX
hassl-3213	239	10	enhance	enhance	VERB
hassl-3213	239	11	revenues	revenue	NOUN
hassl-3213	239	12	.	.	PUNCT
hassl-3213	240	1	while	while	SCONJ
hassl-3213	240	2	not	not	PART
hassl-3213	240	3	statistically	statistically	ADV
hassl-3213	240	4	significant	significant	ADJ
hassl-3213	240	5	,	,	PUNCT
hassl-3213	240	6	the	the	DET
hassl-3213	240	7	results	result	NOUN
hassl-3213	240	8	showed	show	VERB
hassl-3213	240	9	that	that	SCONJ
hassl-3213	240	10	loans	loan	NOUN
hassl-3213	240	11	and	and	CCONJ
hassl-3213	240	12	revenues	revenue	NOUN
hassl-3213	240	13	have	have	VERB
hassl-3213	240	14	a	a	DET
hassl-3213	240	15	negative	negative	ADJ
hassl-3213	240	16	relationship	relationship	NOUN
hassl-3213	240	17	.	.	PUNCT
hassl-3213	241	1	one	one	NUM
hassl-3213	241	2	possible	possible	ADJ
hassl-3213	241	3	interpretation	interpretation	NOUN
hassl-3213	241	4	for	for	ADP
hassl-3213	241	5	that	that	DET
hassl-3213	241	6	relationship	relationship	NOUN
hassl-3213	241	7	could	could	AUX
hassl-3213	241	8	be	be	AUX
hassl-3213	241	9	excessive	excessive	ADJ
hassl-3213	241	10	competition	competition	NOUN
hassl-3213	241	11	among	among	ADP
hassl-3213	241	12	local	local	ADJ
hassl-3213	241	13	banks	bank	NOUN
hassl-3213	241	14	offering	offer	VERB
hassl-3213	241	15	zero	zero	NUM
hassl-3213	241	16	interest	interest	NOUN
hassl-3213	241	17	options	option	NOUN
hassl-3213	241	18	to	to	PART
hassl-3213	241	19	attract	attract	VERB
hassl-3213	241	20	new	new	ADJ
hassl-3213	241	21	customers	customer	NOUN
hassl-3213	241	22	and	and	CCONJ
hassl-3213	241	23	retain	retain	VERB
hassl-3213	241	24	current	current	ADJ
hassl-3213	241	25	customers	customer	NOUN
hassl-3213	241	26	.	.	PUNCT
hassl-3213	242	1	these	these	DET
hassl-3213	242	2	operations	operation	NOUN
hassl-3213	242	3	were	be	AUX
hassl-3213	242	4	not	not	PART
hassl-3213	242	5	executed	execute	VERB
hassl-3213	242	6	in	in	ADP
hassl-3213	242	7	a	a	DET
hassl-3213	242	8	profitable	profitable	ADJ
hassl-3213	242	9	manner	manner	NOUN
hassl-3213	242	10	,	,	PUNCT
hassl-3213	242	11	which	which	PRON
hassl-3213	242	12	could	could	AUX
hassl-3213	242	13	affect	affect	VERB
hassl-3213	242	14	the	the	DET
hassl-3213	242	15	performance	performance	NOUN
hassl-3213	242	16	of	of	ADP
hassl-3213	242	17	some	some	DET
hassl-3213	242	18	banks	bank	NOUN
hassl-3213	242	19	.	.	PUNCT
hassl-3213	243	1	7	7	X
hassl-3213	243	2	.	.	X
hassl-3213	243	3	conclusion	conclusion	NOUN
hassl-3213	243	4	this	this	DET
hassl-3213	243	5	study	study	NOUN
hassl-3213	243	6	evaluated	evaluate	VERB
hassl-3213	243	7	the	the	DET
hassl-3213	243	8	competitiveness	competitiveness	NOUN
hassl-3213	243	9	of	of	ADP
hassl-3213	243	10	the	the	DET
hassl-3213	243	11	kuwaiti	kuwaiti	PROPN
hassl-3213	243	12	banking	banking	NOUN
hassl-3213	243	13	sector	sector	NOUN
hassl-3213	243	14	using	use	VERB
hassl-3213	243	15	the	the	DET
hassl-3213	243	16	panzar	panzar	NOUN
hassl-3213	243	17	-	-	PUNCT
hassl-3213	243	18	rosse	rosse	NOUN
hassl-3213	243	19	model	model	NOUN
hassl-3213	243	20	or	or	CCONJ
hassl-3213	243	21	the	the	DET
hassl-3213	243	22	h	h	NOUN
hassl-3213	243	23	statics	statics	PROPN
hassl-3213	243	24	approach	approach	NOUN
hassl-3213	243	25	.	.	PUNCT
hassl-3213	244	1	the	the	DET
hassl-3213	244	2	study	study	NOUN
hassl-3213	244	3	analyzed	analyze	VERB
hassl-3213	244	4	the	the	DET
hassl-3213	244	5	data	datum	NOUN
hassl-3213	244	6	of	of	ADP
hassl-3213	244	7	the	the	DET
hassl-3213	244	8	largest	large	ADJ
hassl-3213	244	9	nine	nine	NUM
hassl-3213	244	10	banks	bank	NOUN
hassl-3213	244	11	in	in	ADP
hassl-3213	244	12	kuwait	kuwait	PROPN
hassl-3213	244	13	.	.	PUNCT
hassl-3213	245	1	the	the	DET
hassl-3213	245	2	study	study	NOUN
hassl-3213	245	3	built	build	VERB
hassl-3213	245	4	and	and	CCONJ
hassl-3213	245	5	tested	test	VERB
hassl-3213	245	6	a	a	DET
hassl-3213	245	7	model	model	NOUN
hassl-3213	245	8	for	for	ADP
hassl-3213	245	9	the	the	DET
hassl-3213	245	10	revenues	revenue	NOUN
hassl-3213	245	11	of	of	ADP
hassl-3213	245	12	the	the	DET
hassl-3213	245	13	banking	banking	NOUN
hassl-3213	245	14	sector	sector	NOUN
hassl-3213	245	15	in	in	ADP
hassl-3213	245	16	kuwait	kuwait	PROPN
hassl-3213	245	17	.	.	PUNCT
hassl-3213	246	1	the	the	DET
hassl-3213	246	2	model	model	NOUN
hassl-3213	246	3	includes	include	VERB
hassl-3213	246	4	a	a	DET
hassl-3213	246	5	number	number	NOUN
hassl-3213	246	6	of	of	ADP
hassl-3213	246	7	independent	independent	ADJ
hassl-3213	246	8	variables	variable	NOUN
hassl-3213	246	9	that	that	PRON
hassl-3213	246	10	explain	explain	VERB
hassl-3213	246	11	the	the	DET
hassl-3213	246	12	behavior	behavior	NOUN
hassl-3213	246	13	of	of	ADP
hassl-3213	246	14	revenues	revenue	NOUN
hassl-3213	246	15	for	for	ADP
hassl-3213	246	16	the	the	DET
hassl-3213	246	17	banking	banking	NOUN
hassl-3213	246	18	sector	sector	NOUN
hassl-3213	246	19	during	during	ADP
hassl-3213	246	20	the	the	DET
hassl-3213	246	21	study	study	NOUN
hassl-3213	246	22	period	period	NOUN
hassl-3213	246	23	(	(	PUNCT
hassl-3213	246	24	2010	2010	NUM
hassl-3213	246	25	2020	2020	NUM
hassl-3213	246	26	)	)	PUNCT
hassl-3213	246	27	,	,	PUNCT
hassl-3213	246	28	where	where	SCONJ
hassl-3213	246	29	each	each	DET
hassl-3213	246	30	variable	variable	NOUN
hassl-3213	246	31	has	have	VERB
hassl-3213	246	32	a	a	DET
hassl-3213	246	33	minimum	minimum	NOUN
hassl-3213	246	34	of	of	ADP
hassl-3213	246	35	95	95	NUM
hassl-3213	246	36	observations	observation	NOUN
hassl-3213	246	37	.	.	PUNCT
hassl-3213	247	1	furthermore	furthermore	ADV
hassl-3213	247	2	,	,	PUNCT
hassl-3213	247	3	the	the	DET
hassl-3213	247	4	paper	paper	NOUN
hassl-3213	247	5	applied	apply	VERB
hassl-3213	247	6	the	the	DET
hassl-3213	247	7	regression	regression	NOUN
hassl-3213	247	8	model	model	NOUN
hassl-3213	247	9	using	use	VERB
hassl-3213	247	10	the	the	DET
hassl-3213	247	11	panel	panel	NOUN
hassl-3213	247	12	data	datum	NOUN
hassl-3213	247	13	model	model	NOUN
hassl-3213	247	14	and	and	CCONJ
hassl-3213	247	15	the	the	DET
hassl-3213	247	16	hausman	hausman	ADJ
hassl-3213	247	17	test	test	NOUN
hassl-3213	247	18	in	in	ADP
hassl-3213	247	19	order	order	NOUN
hassl-3213	247	20	to	to	PART
hassl-3213	247	21	check	check	VERB
hassl-3213	247	22	the	the	DET
hassl-3213	247	23	results	result	NOUN
hassl-3213	247	24	of	of	ADP
hassl-3213	247	25	both	both	CCONJ
hassl-3213	247	26	the	the	DET
hassl-3213	247	27	fixed	fix	VERB
hassl-3213	247	28	effects	effect	NOUN
hassl-3213	247	29	and	and	CCONJ
hassl-3213	247	30	random	random	ADJ
hassl-3213	247	31	effects	effect	NOUN
hassl-3213	247	32	models	model	NOUN
hassl-3213	247	33	.	.	PUNCT
hassl-3213	248	1	the	the	DET
hassl-3213	248	2	results	result	NOUN
hassl-3213	248	3	indicated	indicate	VERB
hassl-3213	248	4	that	that	SCONJ
hassl-3213	248	5	the	the	DET
hassl-3213	248	6	random	random	ADJ
hassl-3213	248	7	effects	effect	NOUN
hassl-3213	248	8	model	model	NOUN
hassl-3213	248	9	is	be	AUX
hassl-3213	248	10	a	a	DET
hassl-3213	248	11	better	well	ADJ
hassl-3213	248	12	model	model	NOUN
hassl-3213	248	13	for	for	ADP
hassl-3213	248	14	estimation	estimation	NOUN
hassl-3213	248	15	.	.	PUNCT
hassl-3213	249	1	the	the	DET
hassl-3213	249	2	h	h	PROPN
hassl-3213	249	3	statistic	statistic	PROPN
hassl-3213	249	4	model	model	NOUN
hassl-3213	249	5	,	,	PUNCT
hassl-3213	249	6	which	which	PRON
hassl-3213	249	7	is	be	AUX
hassl-3213	249	8	built	build	VERB
hassl-3213	249	9	on	on	ADP
hassl-3213	249	10	the	the	DET
hassl-3213	249	11	sum	sum	NOUN
hassl-3213	249	12	of	of	ADP
hassl-3213	249	13	the	the	DET
hassl-3213	249	14	first	first	ADJ
hassl-3213	249	15	3	3	NUM
hassl-3213	249	16	coefficients	coefficient	NOUN
hassl-3213	249	17	of	of	ADP
hassl-3213	249	18	the	the	DET
hassl-3213	249	19	model	model	NOUN
hassl-3213	249	20	,	,	PUNCT
hassl-3213	249	21	suggest	suggest	VERB
hassl-3213	249	22	that	that	SCONJ
hassl-3213	249	23	the	the	DET
hassl-3213	249	24	kuwaiti	kuwaiti	PROPN
hassl-3213	249	25	banking	banking	NOUN
hassl-3213	249	26	sector	sector	NOUN
hassl-3213	249	27	is	be	AUX
hassl-3213	249	28	neither	neither	CCONJ
hassl-3213	249	29	a	a	DET
hassl-3213	249	30	perfectly	perfectly	ADV
hassl-3213	249	31	competitive	competitive	ADJ
hassl-3213	249	32	market	market	NOUN
hassl-3213	249	33	nor	nor	CCONJ
hassl-3213	249	34	an	an	DET
hassl-3213	249	35	oligopoly	oligopoly	NOUN
hassl-3213	249	36	.	.	PUNCT
hassl-3213	250	1	during	during	ADP
hassl-3213	250	2	the	the	DET
hassl-3213	250	3	study	study	NOUN
hassl-3213	250	4	period	period	NOUN
hassl-3213	250	5	,	,	PUNCT
hassl-3213	250	6	banks	bank	NOUN
hassl-3213	250	7	proved	prove	VERB
hassl-3213	250	8	to	to	PART
hassl-3213	250	9	earn	earn	VERB
hassl-3213	250	10	their	their	PRON
hassl-3213	250	11	revenues	revenue	NOUN
hassl-3213	250	12	under	under	ADP
hassl-3213	250	13	a	a	DET
hassl-3213	250	14	market	market	NOUN
hassl-3213	250	15	structure	structure	NOUN
hassl-3213	250	16	of	of	ADP
hassl-3213	250	17	monopolistic	monopolistic	ADJ
hassl-3213	250	18	competition	competition	NOUN
hassl-3213	250	19	.	.	PUNCT
hassl-3213	251	1	these	these	DET
hassl-3213	251	2	results	result	NOUN
hassl-3213	251	3	are	be	AUX
hassl-3213	251	4	consistent	consistent	ADJ
hassl-3213	251	5	with	with	ADP
hassl-3213	251	6	the	the	DET
hassl-3213	251	7	findings	finding	NOUN
hassl-3213	251	8	of	of	ADP
hassl-3213	251	9	turk	turk	PROPN
hassl-3213	251	10	-	-	PUNCT
hassl-3213	251	11	ariss	ariss	NOUN
hassl-3213	251	12	(	(	PUNCT
hassl-3213	251	13	2009	2009	NUM
hassl-3213	251	14	)	)	PUNCT
hassl-3213	251	15	and	and	CCONJ
hassl-3213	251	16	al	al	PROPN
hassl-3213	251	17	-	-	PUNCT
hassl-3213	251	18	muharrami	muharrami	PROPN
hassl-3213	251	19	(	(	PUNCT
hassl-3213	251	20	2008a	2008a	NUM
hassl-3213	251	21	)	)	PUNCT
hassl-3213	251	22	which	which	PRON
hassl-3213	251	23	found	find	VERB
hassl-3213	251	24	varying	vary	VERB
hassl-3213	251	25	degrees	degree	NOUN
hassl-3213	251	26	of	of	ADP
hassl-3213	251	27	monopolistic	monopolistic	ADJ
hassl-3213	251	28	competition	competition	NOUN
hassl-3213	251	29	.	.	PUNCT
hassl-3213	252	1	other	other	ADJ
hassl-3213	252	2	results	result	NOUN
hassl-3213	252	3	of	of	ADP
hassl-3213	252	4	the	the	DET
hassl-3213	252	5	model	model	NOUN
hassl-3213	252	6	showed	show	VERB
hassl-3213	252	7	that	that	SCONJ
hassl-3213	252	8	the	the	DET
hassl-3213	252	9	cost	cost	NOUN
hassl-3213	252	10	of	of	ADP
hassl-3213	252	11	labor	labor	NOUN
hassl-3213	252	12	has	have	VERB
hassl-3213	252	13	a	a	DET
hassl-3213	252	14	negative	negative	ADJ
hassl-3213	252	15	effect	effect	NOUN
hassl-3213	252	16	on	on	ADP
hassl-3213	252	17	revenues	revenue	NOUN
hassl-3213	252	18	and	and	CCONJ
hassl-3213	252	19	the	the	DET
hassl-3213	252	20	result	result	NOUN
hassl-3213	252	21	was	be	AUX
hassl-3213	252	22	significant	significant	ADJ
hassl-3213	252	23	at	at	ADP
hassl-3213	252	24	the	the	DET
hassl-3213	252	25	1	1	NUM
hassl-3213	252	26	%	%	NOUN
hassl-3213	252	27	level	level	NOUN
hassl-3213	252	28	.	.	PUNCT
hassl-3213	253	1	alternatively	alternatively	ADV
hassl-3213	253	2	,	,	PUNCT
hassl-3213	253	3	the	the	DET
hassl-3213	253	4	cost	cost	NOUN
hassl-3213	253	5	of	of	ADP
hassl-3213	253	6	investment	investment	NOUN
hassl-3213	253	7	in	in	ADP
hassl-3213	253	8	capital	capital	NOUN
hassl-3213	253	9	showed	show	VERB
hassl-3213	253	10	a	a	DET
hassl-3213	253	11	positive	positive	ADJ
hassl-3213	253	12	effect	effect	NOUN
hassl-3213	253	13	on	on	ADP
hassl-3213	253	14	revenue	revenue	NOUN
hassl-3213	253	15	at	at	ADP
hassl-3213	253	16	the	the	DET
hassl-3213	253	17	1	1	NUM
hassl-3213	253	18	%	%	NOUN
hassl-3213	253	19	significance	significance	NOUN
hassl-3213	253	20	level	level	NOUN
hassl-3213	253	21	.	.	PUNCT
hassl-3213	254	1	this	this	DET
hassl-3213	254	2	result	result	NOUN
hassl-3213	254	3	is	be	AUX
hassl-3213	254	4	consistent	consistent	ADJ
hassl-3213	254	5	with	with	ADP
hassl-3213	254	6	the	the	DET
hassl-3213	254	7	behavior	behavior	NOUN
hassl-3213	254	8	of	of	ADP
hassl-3213	254	9	banks	bank	NOUN
hassl-3213	254	10	in	in	ADP
hassl-3213	254	11	kuwait	kuwait	PROPN
hassl-3213	254	12	,	,	PUNCT
hassl-3213	254	13	which	which	PRON
hassl-3213	254	14	try	try	VERB
hassl-3213	254	15	to	to	PART
hassl-3213	254	16	invest	invest	VERB
hassl-3213	254	17	in	in	ADP
hassl-3213	254	18	all	all	DET
hassl-3213	254	19	technologies	technology	NOUN
hassl-3213	254	20	available	available	ADJ
hassl-3213	254	21	to	to	PART
hassl-3213	254	22	attract	attract	VERB
hassl-3213	254	23	new	new	ADJ
hassl-3213	254	24	customers	customer	NOUN
hassl-3213	254	25	.	.	PUNCT
hassl-3213	255	1	also	also	ADV
hassl-3213	255	2	,	,	PUNCT
hassl-3213	255	3	the	the	DET
hassl-3213	255	4	variable	variable	ADJ
hassl-3213	255	5	equity	equity	NOUN
hassl-3213	255	6	,	,	PUNCT
hassl-3213	255	7	which	which	PRON
hassl-3213	255	8	presents	present	VERB
hassl-3213	255	9	the	the	DET
hassl-3213	255	10	equity	equity	NOUN
hassl-3213	255	11	raised	raise	VERB
hassl-3213	255	12	by	by	ADP
hassl-3213	255	13	owners	owner	NOUN
hassl-3213	255	14	of	of	ADP
hassl-3213	255	15	the	the	DET
hassl-3213	255	16	banks	bank	NOUN
hassl-3213	255	17	,	,	PUNCT
hassl-3213	255	18	affected	affect	VERB
hassl-3213	255	19	the	the	DET
hassl-3213	255	20	level	level	NOUN
hassl-3213	255	21	of	of	ADP
hassl-3213	255	22	revenues	revenue	NOUN
hassl-3213	255	23	positively	positively	ADV
hassl-3213	255	24	and	and	CCONJ
hassl-3213	255	25	significantly	significantly	ADV
hassl-3213	255	26	.	.	PUNCT
hassl-3213	256	1	the	the	DET
hassl-3213	256	2	higher	high	ADJ
hassl-3213	256	3	level	level	NOUN
hassl-3213	256	4	of	of	ADP
hassl-3213	256	5	variable	variable	NOUN
hassl-3213	256	6	therefore	therefore	ADV
hassl-3213	256	7	meant	mean	VERB
hassl-3213	256	8	less	less	ADJ
hassl-3213	256	9	dependency	dependency	NOUN
hassl-3213	256	10	on	on	ADP
hassl-3213	256	11	outside	outside	ADJ
hassl-3213	256	12	sources	source	NOUN
hassl-3213	256	13	of	of	ADP
hassl-3213	256	14	funds	fund	NOUN
hassl-3213	256	15	,	,	PUNCT
hassl-3213	256	16	and	and	CCONJ
hassl-3213	256	17	as	as	ADP
hassl-3213	256	18	a	a	DET
hassl-3213	256	19	result	result	NOUN
hassl-3213	256	20	less	less	ADJ
hassl-3213	256	21	costs	cost	NOUN
hassl-3213	256	22	and	and	CCONJ
hassl-3213	256	23	higher	high	ADJ
hassl-3213	256	24	revenues	revenue	NOUN
hassl-3213	256	25	.	.	PUNCT
hassl-3213	257	1	finally	finally	ADV
hassl-3213	257	2	,	,	PUNCT
hassl-3213	257	3	the	the	DET
hassl-3213	257	4	paper	paper	NOUN
hassl-3213	257	5	concluded	conclude	VERB
hassl-3213	257	6	that	that	SCONJ
hassl-3213	257	7	the	the	DET
hassl-3213	257	8	level	level	NOUN
hassl-3213	257	9	of	of	ADP
hassl-3213	257	10	competition	competition	NOUN
hassl-3213	257	11	in	in	ADP
hassl-3213	257	12	the	the	DET
hassl-3213	257	13	kuwaiti	kuwaiti	PROPN
hassl-3213	257	14	banking	banking	NOUN
hassl-3213	257	15	sector	sector	NOUN
hassl-3213	257	16	is	be	AUX
hassl-3213	257	17	very	very	ADV
hassl-3213	257	18	naïve	naïve	ADJ
hassl-3213	257	19	as	as	SCONJ
hassl-3213	257	20	the	the	DET
hassl-3213	257	21	banking	banking	NOUN
hassl-3213	257	22	industry	industry	NOUN
hassl-3213	257	23	is	be	AUX
hassl-3213	257	24	still	still	ADV
hassl-3213	257	25	in	in	ADP
hassl-3213	257	26	its	its	PRON
hassl-3213	257	27	development	development	NOUN
hassl-3213	257	28	stages	stage	NOUN
hassl-3213	257	29	and	and	CCONJ
hassl-3213	257	30	the	the	DET
hassl-3213	257	31	kuwaiti	kuwaiti	PROPN
hassl-3213	257	32	financial	financial	ADJ
hassl-3213	257	33	sector	sector	NOUN
hassl-3213	257	34	is	be	AUX
hassl-3213	257	35	transforming	transform	VERB
hassl-3213	257	36	with	with	ADP
hassl-3213	257	37	expansion	expansion	NOUN
hassl-3213	257	38	of	of	ADP
hassl-3213	257	39	branches	branch	NOUN
hassl-3213	257	40	,	,	PUNCT
hassl-3213	257	41	number	number	NOUN
hassl-3213	257	42	of	of	ADP
hassl-3213	257	43	operations	operation	NOUN
hassl-3213	257	44	,	,	PUNCT
hassl-3213	257	45	and	and	CCONJ
hassl-3213	257	46	banking	banking	NOUN
hassl-3213	257	47	institutions	institution	NOUN
hassl-3213	257	48	.	.	PUNCT
hassl-3213	258	1	hence	hence	ADV
hassl-3213	258	2	,	,	PUNCT
hassl-3213	258	3	in	in	ADP
hassl-3213	258	4	order	order	NOUN
hassl-3213	258	5	to	to	PART
hassl-3213	258	6	reach	reach	VERB
hassl-3213	258	7	a	a	DET
hassl-3213	258	8	higher	high	ADJ
hassl-3213	258	9	and	and	CCONJ
hassl-3213	258	10	stronger	strong	ADJ
hassl-3213	258	11	stage	stage	NOUN
hassl-3213	258	12	of	of	ADP
hassl-3213	258	13	competition	competition	NOUN
hassl-3213	258	14	,	,	PUNCT
hassl-3213	258	15	it	it	PRON
hassl-3213	258	16	is	be	AUX
hassl-3213	258	17	essential	essential	ADJ
hassl-3213	258	18	that	that	SCONJ
hassl-3213	258	19	the	the	DET
hassl-3213	258	20	banking	banking	NOUN
hassl-3213	258	21	sector	sector	NOUN
hassl-3213	258	22	reaches	reach	VERB
hassl-3213	258	23	a	a	DET
hassl-3213	258	24	stage	stage	NOUN
hassl-3213	258	25	of	of	ADP
hassl-3213	258	26	stability	stability	NOUN
hassl-3213	258	27	.	.	PUNCT
hassl-3213	259	1	humanities	humanity	NOUN
hassl-3213	259	2	and	and	CCONJ
hassl-3213	259	3	social	social	ADJ
hassl-3213	259	4	sciences	science	NOUN
hassl-3213	259	5	letters	letter	NOUN
hassl-3213	259	6	,	,	PUNCT
hassl-3213	259	7	2022	2022	NUM
hassl-3213	259	8	,	,	PUNCT
hassl-3213	259	9	10(4	10(4	NUM
hassl-3213	259	10	):	):	PUNCT
hassl-3213	259	11	606	606	NUM
hassl-3213	259	12	-	-	SYM
hassl-3213	259	13	613	613	NUM
hassl-3213	259	14	613	613	NUM
hassl-3213	259	15	©	©	PROPN
hassl-3213	259	16	2022	2022	NUM
hassl-3213	259	17	conscientia	conscientia	PROPN
hassl-3213	259	18	beam	beam	PROPN
hassl-3213	259	19	.	.	PUNCT
hassl-3213	260	1	all	all	DET
hassl-3213	260	2	rights	right	NOUN
hassl-3213	260	3	reserved	reserve	VERB
hassl-3213	260	4	.	.	PUNCT
hassl-3213	261	1	funding	funding	NOUN
hassl-3213	261	2	:	:	PUNCT
hassl-3213	261	3	this	this	DET
hassl-3213	261	4	study	study	NOUN
hassl-3213	261	5	received	receive	VERB
hassl-3213	261	6	no	no	DET
hassl-3213	261	7	specific	specific	ADJ
hassl-3213	261	8	financial	financial	ADJ
hassl-3213	261	9	support	support	NOUN
hassl-3213	261	10	.	.	PUNCT
hassl-3213	262	1	competing	compete	VERB
hassl-3213	262	2	interests	interest	NOUN
hassl-3213	262	3	:	:	PUNCT
hassl-3213	262	4	the	the	DET
hassl-3213	262	5	authors	author	NOUN
hassl-3213	262	6	declare	declare	VERB
hassl-3213	262	7	that	that	SCONJ
hassl-3213	262	8	they	they	PRON
hassl-3213	262	9	have	have	VERB
hassl-3213	262	10	no	no	DET
hassl-3213	262	11	competing	compete	VERB
hassl-3213	262	12	interests	interest	NOUN
hassl-3213	262	13	.	.	PUNCT
hassl-3213	263	1	authors	author	NOUN
hassl-3213	263	2	’	'	PUNCT
hassl-3213	263	3	contributions	contribution	NOUN
hassl-3213	263	4	:	:	PUNCT
hassl-3213	263	5	all	all	DET
hassl-3213	263	6	authors	author	NOUN
hassl-3213	263	7	contributed	contribute	VERB
hassl-3213	263	8	equally	equally	ADV
hassl-3213	263	9	to	to	ADP
hassl-3213	263	10	the	the	DET
hassl-3213	263	11	conception	conception	NOUN
hassl-3213	263	12	and	and	CCONJ
hassl-3213	263	13	design	design	NOUN
hassl-3213	263	14	of	of	ADP
hassl-3213	263	15	the	the	DET
hassl-3213	263	16	study	study	NOUN
hassl-3213	263	17	.	.	PUNCT
hassl-3213	264	1	references	reference	NOUN
hassl-3213	264	2	abugamea	abugamea	VERB
hassl-3213	264	3	,	,	PUNCT
hassl-3213	264	4	g.	g.	PROPN
hassl-3213	264	5	(	(	PUNCT
hassl-3213	264	6	2018	2018	NUM
hassl-3213	264	7	)	)	PUNCT
hassl-3213	264	8	.	.	PUNCT
hassl-3213	265	1	determinants	determinant	NOUN
hassl-3213	265	2	of	of	ADP
hassl-3213	265	3	banking	banking	NOUN
hassl-3213	265	4	sector	sector	NOUN
hassl-3213	265	5	profitability	profitability	NOUN
hassl-3213	265	6	:	:	PUNCT
hassl-3213	265	7	empirical	empirical	ADJ
hassl-3213	265	8	evidence	evidence	NOUN
hassl-3213	265	9	from	from	ADP
hassl-3213	265	10	palestine	palestine	PROPN
hassl-3213	265	11	.	.	PUNCT
hassl-3213	266	1	journal	journal	PROPN
hassl-3213	266	2	of	of	ADP
hassl-3213	266	3	islamic	islamic	ADJ
hassl-3213	266	4	economics	economic	NOUN
hassl-3213	266	5	and	and	CCONJ
hassl-3213	266	6	finance	finance	NOUN
hassl-3213	266	7	,	,	PUNCT
hassl-3213	266	8	4(1	4(1	NOUN
hassl-3213	266	9	)	)	PUNCT
hassl-3213	266	10	,	,	PUNCT
hassl-3213	266	11	49	49	NUM
hassl-3213	266	12	-	-	SYM
hassl-3213	266	13	67	67	NUM
hassl-3213	266	14	.	.	PUNCT
hassl-3213	267	1	açıkalın	açıkalın	NOUN
hassl-3213	267	2	,	,	PUNCT
hassl-3213	267	3	s.	s.	PROPN
hassl-3213	267	4	,	,	PUNCT
hassl-3213	267	5	&	&	CCONJ
hassl-3213	267	6	sakınç	sakınç	PROPN
hassl-3213	267	7	,	,	PUNCT
hassl-3213	267	8	i.	i.	NOUN
hassl-3213	267	9	(	(	PUNCT
hassl-3213	267	10	2015	2015	NUM
hassl-3213	267	11	)	)	PUNCT
hassl-3213	267	12	.	.	PUNCT
hassl-3213	268	1	assessing	assess	VERB
hassl-3213	268	2	competition	competition	NOUN
hassl-3213	268	3	with	with	ADP
hassl-3213	268	4	the	the	DET
hassl-3213	268	5	panzar	panzar	NOUN
hassl-3213	268	6	-	-	PUNCT
hassl-3213	268	7	rosse	rosse	NOUN
hassl-3213	268	8	model	model	NOUN
hassl-3213	268	9	in	in	ADP
hassl-3213	268	10	the	the	DET
hassl-3213	268	11	turkish	turkish	ADJ
hassl-3213	268	12	banking	banking	NOUN
hassl-3213	268	13	sector	sector	NOUN
hassl-3213	268	14	.	.	PUNCT
hassl-3213	269	1	journal	journal	PROPN
hassl-3213	269	2	of	of	ADP
hassl-3213	269	3	economics	economic	NOUN
hassl-3213	269	4	bibliography	bibliography	NOUN
hassl-3213	269	5	,	,	PUNCT
hassl-3213	269	6	2(1	2(1	NUM
hassl-3213	269	7	)	)	PUNCT
hassl-3213	269	8	,	,	PUNCT
hassl-3213	269	9	18	18	NUM
hassl-3213	269	10	-	-	SYM
hassl-3213	269	11	28	28	NUM
hassl-3213	269	12	.	.	PUNCT
hassl-3213	270	1	afolabi	afolabi	NOUN
hassl-3213	270	2	,	,	PUNCT
hassl-3213	270	3	t.	t.	NOUN
hassl-3213	270	4	a.	a.	NOUN
hassl-3213	270	5	(	(	PUNCT
hassl-3213	270	6	2018	2018	NUM
hassl-3213	270	7	)	)	PUNCT
hassl-3213	270	8	.	.	PUNCT
hassl-3213	271	1	competitiveness	competitiveness	NOUN
hassl-3213	271	2	of	of	ADP
hassl-3213	271	3	togolese	togolese	ADJ
hassl-3213	271	4	banking	banking	NOUN
hassl-3213	271	5	sector	sector	NOUN
hassl-3213	271	6	.	.	PUNCT
hassl-3213	272	1	theoretical	theoretical	ADJ
hassl-3213	272	2	economics	economic	NOUN
hassl-3213	272	3	letters	letter	NOUN
hassl-3213	272	4	,	,	PUNCT
hassl-3213	272	5	8(11	8(11	NUM
hassl-3213	272	6	)	)	PUNCT
hassl-3213	272	7	,	,	PUNCT
hassl-3213	272	8	2497-2519.available	2497-2519.available	NUM
hassl-3213	272	9	at	at	ADP
hassl-3213	272	10	:	:	PUNCT
hassl-3213	272	11	https://doi.org/10.4236/tel.2018.811161	https://doi.org/10.4236/tel.2018.811161	PROPN
hassl-3213	272	12	.	.	PUNCT
hassl-3213	273	1	al	al	PROPN
hassl-3213	273	2	-	-	PUNCT
hassl-3213	273	3	muharrami	muharrami	PROPN
hassl-3213	273	4	,	,	PUNCT
hassl-3213	273	5	s.	s.	PROPN
hassl-3213	273	6	(	(	PUNCT
hassl-3213	273	7	2008a	2008a	NUM
hassl-3213	273	8	)	)	PUNCT
hassl-3213	273	9	.	.	PUNCT
hassl-3213	274	1	testing	test	VERB
hassl-3213	274	2	the	the	DET
hassl-3213	274	3	contestability	contestability	NOUN
hassl-3213	274	4	in	in	ADP
hassl-3213	274	5	kuwait	kuwait	PROPN
hassl-3213	274	6	banking	banking	NOUN
hassl-3213	274	7	industry	industry	NOUN
hassl-3213	274	8	.	.	PUNCT
hassl-3213	275	1	studies	study	NOUN
hassl-3213	275	2	in	in	ADP
hassl-3213	275	3	economics	economic	NOUN
hassl-3213	275	4	and	and	CCONJ
hassl-3213	275	5	finance	finance	NOUN
hassl-3213	275	6	,	,	PUNCT
hassl-3213	275	7	25(4	25(4	NOUN
hassl-3213	275	8	)	)	PUNCT
hassl-3213	275	9	,	,	PUNCT
hassl-3213	275	10	253-266.available	253-266.available	NUM
hassl-3213	275	11	at	at	ADP
hassl-3213	275	12	:	:	PUNCT
hassl-3213	275	13	https://doi.org/10.1108/10867370810918146	https://doi.org/10.1108/10867370810918146	NOUN
hassl-3213	275	14	.	.	PUNCT
hassl-3213	276	1	al	al	PROPN
hassl-3213	276	2	-	-	PUNCT
hassl-3213	276	3	muharrami	muharrami	PROPN
hassl-3213	276	4	,	,	PUNCT
hassl-3213	276	5	s.	s.	PROPN
hassl-3213	276	6	(	(	PUNCT
hassl-3213	276	7	2008b	2008b	NUM
hassl-3213	276	8	)	)	PUNCT
hassl-3213	276	9	.	.	PUNCT
hassl-3213	277	1	measuring	measure	VERB
hassl-3213	277	2	the	the	DET
hassl-3213	277	3	market	market	NOUN
hassl-3213	277	4	structure	structure	NOUN
hassl-3213	277	5	of	of	ADP
hassl-3213	277	6	gcc	gcc	NOUN
hassl-3213	277	7	banking	banking	NOUN
hassl-3213	277	8	industries	industry	NOUN
hassl-3213	277	9	.	.	PUNCT
hassl-3213	278	1	the	the	DET
hassl-3213	278	2	business	business	NOUN
hassl-3213	278	3	review	review	NOUN
hassl-3213	278	4	,	,	PUNCT
hassl-3213	278	5	11(2	11(2	NUM
hassl-3213	278	6	)	)	PUNCT
hassl-3213	278	7	,	,	PUNCT
hassl-3213	278	8	240	240	NUM
hassl-3213	278	9	–	–	SYM
hassl-3213	278	10	246	246	NUM
hassl-3213	278	11	.	.	PUNCT
hassl-3213	279	1	al	al	PROPN
hassl-3213	279	2	-	-	PUNCT
hassl-3213	279	3	qaisi	qaisi	PROPN
hassl-3213	279	4	,	,	PUNCT
hassl-3213	279	5	f.	f.	PROPN
hassl-3213	279	6	(	(	PUNCT
hassl-3213	279	7	2016	2016	NUM
hassl-3213	279	8	)	)	PUNCT
hassl-3213	279	9	.	.	PUNCT
hassl-3213	280	1	assessing	assess	VERB
hassl-3213	280	2	the	the	DET
hassl-3213	280	3	competition	competition	NOUN
hassl-3213	280	4	in	in	ADP
hassl-3213	280	5	the	the	DET
hassl-3213	280	6	jordanian	jordanian	ADJ
hassl-3213	280	7	banking	banking	NOUN
hassl-3213	280	8	sector	sector	NOUN
hassl-3213	280	9	by	by	ADP
hassl-3213	280	10	using	use	VERB
hassl-3213	280	11	panzar	panzar	PROPN
hassl-3213	280	12	rosse	rosse	PROPN
hassl-3213	280	13	approach	approach	NOUN
hassl-3213	280	14	.	.	PUNCT
hassl-3213	281	1	international	international	ADJ
hassl-3213	281	2	journal	journal	PROPN
hassl-3213	281	3	of	of	ADP
hassl-3213	281	4	business	business	NOUN
hassl-3213	281	5	and	and	CCONJ
hassl-3213	281	6	social	social	ADJ
hassl-3213	281	7	science	science	NOUN
hassl-3213	281	8	,	,	PUNCT
hassl-3213	281	9	7(8	7(8	NUM
hassl-3213	281	10	)	)	PUNCT
hassl-3213	281	11	,	,	PUNCT
hassl-3213	281	12	147	147	NUM
hassl-3213	281	13	-	-	SYM
hassl-3213	281	14	154	154	NUM
hassl-3213	281	15	.	.	PUNCT
hassl-3213	282	1	anzoategui	anzoategui	PROPN
hassl-3213	282	2	,	,	PUNCT
hassl-3213	282	3	d.	d.	PROPN
hassl-3213	282	4	,	,	PUNCT
hassl-3213	282	5	pería	pería	NOUN
hassl-3213	282	6	,	,	PUNCT
hassl-3213	282	7	m.	m.	NOUN
hassl-3213	282	8	,	,	PUNCT
hassl-3213	282	9	&	&	CCONJ
hassl-3213	282	10	rocha	rocha	PROPN
hassl-3213	282	11	,	,	PUNCT
hassl-3213	282	12	r.	r.	PROPN
hassl-3213	282	13	(	(	PUNCT
hassl-3213	282	14	2010	2010	NUM
hassl-3213	282	15	)	)	PUNCT
hassl-3213	282	16	.	.	PUNCT
hassl-3213	283	1	bank	bank	NOUN
hassl-3213	283	2	competition	competition	NOUN
hassl-3213	283	3	in	in	ADP
hassl-3213	283	4	the	the	DET
hassl-3213	283	5	middle	middle	PROPN
hassl-3213	283	6	east	east	PROPN
hassl-3213	283	7	and	and	CCONJ
hassl-3213	283	8	northern	northern	PROPN
hassl-3213	283	9	africa	africa	PROPN
hassl-3213	283	10	region	region	PROPN
hassl-3213	283	11	.	.	PUNCT
hassl-3213	284	1	policy	policy	NOUN
hassl-3213	284	2	research	research	NOUN
hassl-3213	284	3	working	working	NOUN
hassl-3213	284	4	paper	paper	NOUN
hassl-3213	284	5	,	,	PUNCT
hassl-3213	284	6	world	world	PROPN
hassl-3213	284	7	bank	bank	PROPN
hassl-3213	284	8	,	,	PUNCT
hassl-3213	284	9	no	no	INTJ
hassl-3213	284	10	.	.	NOUN
hassl-3213	284	11	wps5363	wps5363	PROPN
hassl-3213	284	12	.	.	PUNCT
hassl-3213	285	1	elfeituri	elfeituri	NOUN
hassl-3213	285	2	,	,	PUNCT
hassl-3213	285	3	h.	h.	PROPN
hassl-3213	285	4	,	,	PUNCT
hassl-3213	285	5	&	&	CCONJ
hassl-3213	285	6	vergos	vergos	PROPN
hassl-3213	285	7	,	,	PUNCT
hassl-3213	285	8	k.	k.	PROPN
hassl-3213	285	9	(	(	PUNCT
hassl-3213	285	10	2019	2019	NUM
hassl-3213	285	11	)	)	PUNCT
hassl-3213	285	12	.	.	PUNCT
hassl-3213	286	1	is	be	AUX
hassl-3213	286	2	the	the	DET
hassl-3213	286	3	mena	mena	PROPN
hassl-3213	286	4	banking	banking	NOUN
hassl-3213	286	5	sector	sector	NOUN
hassl-3213	286	6	competitive	competitive	ADJ
hassl-3213	286	7	?	?	PUNCT
hassl-3213	287	1	journal	journal	NOUN
hassl-3213	287	2	of	of	ADP
hassl-3213	287	3	banking	banking	NOUN
hassl-3213	287	4	regulation	regulation	NOUN
hassl-3213	287	5	,	,	PUNCT
hassl-3213	287	6	20(2	20(2	NUM
hassl-3213	287	7	)	)	PUNCT
hassl-3213	287	8	,	,	PUNCT
hassl-3213	287	9	124-135.available	124-135.available	NUM
hassl-3213	287	10	at	at	ADP
hassl-3213	287	11	:	:	PUNCT
hassl-3213	287	12	https://doi.org/10.1057/s41261-018-0072-5	https://doi.org/10.1057/s41261-018-0072-5	NUM
hassl-3213	287	13	.	.	PUNCT
hassl-3213	288	1	gadou	gadou	ADJ
hassl-3213	288	2	,	,	PUNCT
hassl-3213	288	3	l.	l.	PROPN
hassl-3213	288	4	m.	m.	PROPN
hassl-3213	288	5	a.	a.	PROPN
hassl-3213	288	6	(	(	PUNCT
hassl-3213	288	7	2022	2022	NUM
hassl-3213	288	8	)	)	PUNCT
hassl-3213	288	9	.	.	PUNCT
hassl-3213	289	1	banking	banking	NOUN
hassl-3213	289	2	risk	risk	NOUN
hassl-3213	289	3	in	in	ADP
hassl-3213	289	4	selected	select	VERB
hassl-3213	289	5	mena	mena	PROPN
hassl-3213	289	6	countries	country	NOUN
hassl-3213	289	7	.	.	PUNCT
hassl-3213	290	1	international	international	ADJ
hassl-3213	290	2	journal	journal	NOUN
hassl-3213	290	3	of	of	ADP
hassl-3213	290	4	innovative	innovative	ADJ
hassl-3213	290	5	research	research	NOUN
hassl-3213	290	6	and	and	CCONJ
hassl-3213	290	7	scientific	scientific	ADJ
hassl-3213	290	8	studies	study	NOUN
hassl-3213	290	9	,	,	PUNCT
hassl-3213	290	10	5(4	5(4	NUM
hassl-3213	290	11	)	)	PUNCT
hassl-3213	290	12	,	,	PUNCT
hassl-3213	290	13	306	306	NUM
hassl-3213	290	14	–	–	PUNCT
hassl-3213	290	15	331	331	NUM
hassl-3213	290	16	.	.	PUNCT
hassl-3213	290	17	https://doi.org/10.53894/ijirss.v5i4.743	https://doi.org/10.53894/ijirss.v5i4.743	NOUN
hassl-3213	290	18	gelos	gelos	PROPN
hassl-3213	290	19	,	,	PUNCT
hassl-3213	290	20	g.	g.	PROPN
hassl-3213	290	21	,	,	PUNCT
hassl-3213	290	22	&	&	CCONJ
hassl-3213	290	23	roldos	roldo	NOUN
hassl-3213	290	24	,	,	PUNCT
hassl-3213	290	25	j.	j.	PROPN
hassl-3213	290	26	(	(	PUNCT
hassl-3213	290	27	2002	2002	NUM
hassl-3213	290	28	)	)	PUNCT
hassl-3213	290	29	.	.	PUNCT
hassl-3213	291	1	consolidation	consolidation	NOUN
hassl-3213	291	2	and	and	CCONJ
hassl-3213	291	3	market	market	NOUN
hassl-3213	291	4	structure	structure	NOUN
hassl-3213	291	5	in	in	ADP
hassl-3213	291	6	emerging	emerge	VERB
hassl-3213	291	7	market	market	NOUN
hassl-3213	291	8	banking	banking	NOUN
hassl-3213	291	9	systems	system	NOUN
hassl-3213	291	10	.	.	PUNCT
hassl-3213	292	1	imf	imf	PROPN
hassl-3213	292	2	working	working	PROPN
hassl-3213	292	3	paper	paper	NOUN
hassl-3213	292	4	,	,	PUNCT
hassl-3213	292	5	no	no	INTJ
hassl-3213	292	6	.	.	PUNCT
hassl-3213	292	7	02/186	02/186	NUM
hassl-3213	292	8	.	.	PUNCT
hassl-3213	293	1	kiseľáková	kiseľáková	PROPN
hassl-3213	293	2	,	,	PUNCT
hassl-3213	293	3	d.	d.	PROPN
hassl-3213	293	4	,	,	PUNCT
hassl-3213	293	5	hečková	hečková	PROPN
hassl-3213	293	6	,	,	PUNCT
hassl-3213	293	7	j.	j.	PROPN
hassl-3213	293	8	,	,	PUNCT
hassl-3213	293	9	&	&	CCONJ
hassl-3213	293	10	chapčáková	chapčáková	PROPN
hassl-3213	293	11	,	,	PUNCT
hassl-3213	293	12	a.	a.	NOUN
hassl-3213	293	13	(	(	PUNCT
hassl-3213	293	14	2013	2013	NUM
hassl-3213	293	15	)	)	PUNCT
hassl-3213	293	16	.	.	PUNCT
hassl-3213	294	1	trends	trend	NOUN
hassl-3213	294	2	of	of	ADP
hassl-3213	294	3	development	development	NOUN
hassl-3213	294	4	and	and	CCONJ
hassl-3213	294	5	factors	factor	NOUN
hassl-3213	294	6	of	of	ADP
hassl-3213	294	7	competitiveness	competitiveness	NOUN
hassl-3213	294	8	of	of	ADP
hassl-3213	294	9	banking	banking	NOUN
hassl-3213	294	10	sector	sector	NOUN
hassl-3213	294	11	in	in	ADP
hassl-3213	294	12	global	global	ADJ
hassl-3213	294	13	economy	economy	NOUN
hassl-3213	294	14	–	–	PUNCT
hassl-3213	294	15	empirical	empirical	ADJ
hassl-3213	294	16	study	study	NOUN
hassl-3213	294	17	from	from	ADP
hassl-3213	294	18	slovakia	slovakia	PROPN
hassl-3213	294	19	.	.	PUNCT
hassl-3213	295	1	international	international	ADJ
hassl-3213	295	2	journal	journal	PROPN
hassl-3213	295	3	of	of	ADP
hassl-3213	295	4	finance	finance	NOUN
hassl-3213	295	5	and	and	CCONJ
hassl-3213	295	6	accounting	accounting	NOUN
hassl-3213	295	7	,	,	PUNCT
hassl-3213	295	8	2(3	2(3	NUM
hassl-3213	295	9	)	)	PUNCT
hassl-3213	295	10	,	,	PUNCT
hassl-3213	295	11	138	138	NUM
hassl-3213	295	12	-	-	SYM
hassl-3213	295	13	149	149	NUM
hassl-3213	295	14	.	.	PUNCT
hassl-3213	296	1	mishra	mishra	PROPN
hassl-3213	296	2	,	,	PUNCT
hassl-3213	296	3	a.	a.	PROPN
hassl-3213	296	4	k.	k.	PROPN
hassl-3213	296	5	,	,	PUNCT
hassl-3213	296	6	kandel	kandel	PROPN
hassl-3213	296	7	,	,	PUNCT
hassl-3213	296	8	d.	d.	PROPN
hassl-3213	296	9	r.	r.	PROPN
hassl-3213	296	10	,	,	PUNCT
hassl-3213	296	11	&	&	CCONJ
hassl-3213	296	12	aithal	aithal	NOUN
hassl-3213	296	13	,	,	PUNCT
hassl-3213	296	14	p.	p.	NOUN
hassl-3213	296	15	(	(	PUNCT
hassl-3213	296	16	2021	2021	NUM
hassl-3213	296	17	)	)	PUNCT
hassl-3213	296	18	.	.	PUNCT
hassl-3213	297	1	profitability	profitability	NOUN
hassl-3213	297	2	in	in	ADP
hassl-3213	297	3	commercial	commercial	ADJ
hassl-3213	297	4	bank	bank	NOUN
hassl-3213	297	5	–	–	PUNCT
hassl-3213	297	6	a	a	DET
hassl-3213	297	7	case	case	NOUN
hassl-3213	297	8	study	study	NOUN
hassl-3213	297	9	of	of	ADP
hassl-3213	297	10	nepal	nepal	ADJ
hassl-3213	297	11	.	.	PUNCT
hassl-3213	298	1	international	international	ADJ
hassl-3213	298	2	journal	journal	PROPN
hassl-3213	298	3	of	of	ADP
hassl-3213	298	4	case	case	NOUN
hassl-3213	298	5	studies	study	NOUN
hassl-3213	298	6	in	in	ADP
hassl-3213	298	7	business	business	NOUN
hassl-3213	298	8	,	,	PUNCT
hassl-3213	298	9	it	it	PRON
hassl-3213	298	10	and	and	CCONJ
hassl-3213	298	11	education	education	NOUN
hassl-3213	298	12	,	,	PUNCT
hassl-3213	298	13	5(1	5(1	NUM
hassl-3213	298	14	)	)	PUNCT
hassl-3213	298	15	,	,	PUNCT
hassl-3213	298	16	61	61	NUM
hassl-3213	298	17	-	-	SYM
hassl-3213	298	18	77	77	NUM
hassl-3213	298	19	.	.	PUNCT
hassl-3213	299	1	olszak	olszak	PROPN
hassl-3213	299	2	,	,	PUNCT
hassl-3213	299	3	m.	m.	NOUN
hassl-3213	299	4	,	,	PUNCT
hassl-3213	299	5	świtała	świtała	NOUN
hassl-3213	299	6	,	,	PUNCT
hassl-3213	299	7	f.	f.	PROPN
hassl-3213	299	8	,	,	PUNCT
hassl-3213	299	9	&	&	CCONJ
hassl-3213	299	10	kowalska	kowalska	PROPN
hassl-3213	299	11	,	,	PUNCT
hassl-3213	299	12	i.	i.	PROPN
hassl-3213	299	13	(	(	PUNCT
hassl-3213	299	14	2013	2013	NUM
hassl-3213	299	15	)	)	PUNCT
hassl-3213	299	16	.	.	PUNCT
hassl-3213	300	1	competition	competition	NOUN
hassl-3213	300	2	in	in	ADP
hassl-3213	300	3	commercial	commercial	ADJ
hassl-3213	300	4	banks	bank	NOUN
hassl-3213	300	5	in	in	ADP
hassl-3213	300	6	poland	poland	PROPN
hassl-3213	300	7	–	–	PUNCT
hassl-3213	300	8	analysis	analysis	NOUN
hassl-3213	300	9	of	of	ADP
hassl-3213	300	10	panzar	panzar	PROPN
hassl-3213	300	11	rosse	rosse	PROPN
hassl-3213	300	12	h	h	PROPN
hassl-3213	300	13	-	-	PUNCT
hassl-3213	300	14	statistics	statistic	NOUN
hassl-3213	300	15	.	.	PUNCT
hassl-3213	301	1	mpra	mpra	PROPN
hassl-3213	301	2	paper	paper	PROPN
hassl-3213	301	3	,	,	PUNCT
hassl-3213	301	4	no	no	INTJ
hassl-3213	301	5	.	.	NOUN
hassl-3213	301	6	53782	53782	NUM
hassl-3213	301	7	.	.	PUNCT
hassl-3213	302	1	panzar	panzar	PROPN
hassl-3213	302	2	,	,	PUNCT
hassl-3213	302	3	j.	j.	PROPN
hassl-3213	302	4	c.	c.	PROPN
hassl-3213	302	5	,	,	PUNCT
hassl-3213	302	6	&	&	CCONJ
hassl-3213	302	7	rosse	rosse	PROPN
hassl-3213	302	8	,	,	PUNCT
hassl-3213	302	9	j.	j.	PROPN
hassl-3213	302	10	n.	n.	PROPN
hassl-3213	302	11	(	(	PUNCT
hassl-3213	302	12	1987	1987	NUM
hassl-3213	302	13	)	)	PUNCT
hassl-3213	302	14	.	.	PUNCT
hassl-3213	303	1	testing	test	VERB
hassl-3213	303	2	for	for	ADP
hassl-3213	303	3	"	"	PUNCT
hassl-3213	303	4	monopoly	monopoly	NOUN
hassl-3213	303	5	"	"	PUNCT
hassl-3213	303	6	equilibrium	equilibrium	NOUN
hassl-3213	303	7	.	.	PUNCT
hassl-3213	304	1	journal	journal	PROPN
hassl-3213	304	2	of	of	ADP
hassl-3213	304	3	industrial	industrial	ADJ
hassl-3213	304	4	economics	economic	NOUN
hassl-3213	304	5	,	,	PUNCT
hassl-3213	304	6	35(4	35(4	NUM
hassl-3213	304	7	)	)	PUNCT
hassl-3213	304	8	,	,	PUNCT
hassl-3213	304	9	443-456.available	443-456.available	NUM
hassl-3213	304	10	at	at	ADP
hassl-3213	304	11	:	:	PUNCT
hassl-3213	304	12	https://doi.org/10.2307/2098582	https://doi.org/10.2307/2098582	NOUN
hassl-3213	304	13	.	.	NOUN
hassl-3213	304	14	schaeck	schaeck	PROPN
hassl-3213	304	15	,	,	PUNCT
hassl-3213	304	16	k.	k.	PROPN
hassl-3213	304	17	,	,	PUNCT
hassl-3213	304	18	cihak	cihak	NOUN
hassl-3213	304	19	,	,	PUNCT
hassl-3213	304	20	m.	m.	NOUN
hassl-3213	304	21	,	,	PUNCT
hassl-3213	304	22	&	&	CCONJ
hassl-3213	304	23	wolfe	wolfe	PROPN
hassl-3213	304	24	,	,	PUNCT
hassl-3213	304	25	s.	s.	PROPN
hassl-3213	304	26	(	(	PUNCT
hassl-3213	304	27	2009	2009	NUM
hassl-3213	304	28	)	)	PUNCT
hassl-3213	304	29	.	.	PUNCT
hassl-3213	304	30	are	be	AUX
hassl-3213	304	31	competitive	competitive	ADJ
hassl-3213	304	32	banking	banking	NOUN
hassl-3213	304	33	systems	system	NOUN
hassl-3213	304	34	more	more	ADV
hassl-3213	304	35	stable	stable	ADJ
hassl-3213	304	36	?	?	PUNCT
hassl-3213	305	1	journal	journal	NOUN
hassl-3213	305	2	of	of	ADP
hassl-3213	305	3	money	money	NOUN
hassl-3213	305	4	,	,	PUNCT
hassl-3213	305	5	credit	credit	NOUN
hassl-3213	305	6	and	and	CCONJ
hassl-3213	305	7	banking	banking	NOUN
hassl-3213	305	8	,	,	PUNCT
hassl-3213	305	9	41(4	41(4	NOUN
hassl-3213	305	10	)	)	PUNCT
hassl-3213	305	11	,	,	PUNCT
hassl-3213	305	12	711734.available	711734.available	ADJ
hassl-3213	305	13	at	at	ADP
hassl-3213	305	14	:	:	PUNCT
hassl-3213	305	15	https://doi.org/10.1111/j.1538-4616.2009.00228.x	https://doi.org/10.1111/j.1538-4616.2009.00228.x	ADJ
hassl-3213	305	16	.	.	PUNCT
hassl-3213	306	1	tailab	tailab	PROPN
hassl-3213	306	2	,	,	PUNCT
hassl-3213	306	3	m.	m.	NOUN
hassl-3213	306	4	(	(	PUNCT
hassl-3213	306	5	2014	2014	NUM
hassl-3213	306	6	)	)	PUNCT
hassl-3213	306	7	.	.	PUNCT
hassl-3213	307	1	analyzing	analyze	VERB
hassl-3213	307	2	factors	factor	NOUN
hassl-3213	307	3	effecting	effect	VERB
hassl-3213	307	4	profitability	profitability	NOUN
hassl-3213	307	5	of	of	ADP
hassl-3213	307	6	non	non	ADJ
hassl-3213	307	7	-	-	ADJ
hassl-3213	307	8	financial	financial	ADJ
hassl-3213	307	9	u.s	u.s	PROPN
hassl-3213	307	10	.	.	PROPN
hassl-3213	307	11	firms	firm	NOUN
hassl-3213	307	12	.	.	PUNCT
hassl-3213	308	1	research	research	NOUN
hassl-3213	308	2	journal	journal	PROPN
hassl-3213	308	3	of	of	ADP
hassl-3213	308	4	finance	finance	NOUN
hassl-3213	308	5	and	and	CCONJ
hassl-3213	308	6	accounting	accounting	NOUN
hassl-3213	308	7	,	,	PUNCT
hassl-3213	308	8	5(22	5(22	NUM
hassl-3213	308	9	)	)	PUNCT
hassl-3213	308	10	,	,	PUNCT
hassl-3213	308	11	17	17	NUM
hassl-3213	308	12	-	-	SYM
hassl-3213	308	13	26	26	NUM
hassl-3213	308	14	.	.	PUNCT
hassl-3213	309	1	turk	turk	NOUN
hassl-3213	309	2	-	-	PUNCT
hassl-3213	309	3	ariss	ariss	PROPN
hassl-3213	309	4	,	,	PUNCT
hassl-3213	309	5	r.	r.	PROPN
hassl-3213	309	6	(	(	PUNCT
hassl-3213	309	7	2009	2009	NUM
hassl-3213	309	8	)	)	PUNCT
hassl-3213	309	9	.	.	PUNCT
hassl-3213	310	1	competitive	competitive	ADJ
hassl-3213	310	2	behavior	behavior	NOUN
hassl-3213	310	3	in	in	ADP
hassl-3213	310	4	middle	middle	PROPN
hassl-3213	310	5	east	east	PROPN
hassl-3213	310	6	and	and	CCONJ
hassl-3213	310	7	north	north	PROPN
hassl-3213	310	8	africa	africa	PROPN
hassl-3213	310	9	banking	banking	NOUN
hassl-3213	310	10	systems	system	NOUN
hassl-3213	310	11	.	.	PUNCT
hassl-3213	311	1	the	the	DET
hassl-3213	311	2	quarterly	quarterly	ADJ
hassl-3213	311	3	review	review	NOUN
hassl-3213	311	4	of	of	ADP
hassl-3213	311	5	economics	economic	NOUN
hassl-3213	311	6	and	and	CCONJ
hassl-3213	311	7	finance	finance	NOUN
hassl-3213	311	8	,	,	PUNCT
hassl-3213	311	9	49(2	49(2	NUM
hassl-3213	311	10	)	)	PUNCT
hassl-3213	311	11	,	,	PUNCT
hassl-3213	311	12	693-710.available	693-710.available	NUM
hassl-3213	311	13	at	at	ADP
hassl-3213	311	14	:	:	PUNCT
hassl-3213	311	15	https://doi.org/10.1016/j.qref.2008.03.002	https://doi.org/10.1016/j.qref.2008.03.002	PROPN
hassl-3213	311	16	.	.	PUNCT
hassl-3213	312	1	yeyati	yeyati	PROPN
hassl-3213	312	2	,	,	PUNCT
hassl-3213	312	3	e.	e.	PROPN
hassl-3213	312	4	l.	l.	PROPN
hassl-3213	312	5	,	,	PUNCT
hassl-3213	312	6	&	&	CCONJ
hassl-3213	312	7	micco	micco	PROPN
hassl-3213	312	8	,	,	PUNCT
hassl-3213	312	9	a.	a.	NOUN
hassl-3213	312	10	(	(	PUNCT
hassl-3213	312	11	2007	2007	NUM
hassl-3213	312	12	)	)	PUNCT
hassl-3213	312	13	.	.	PUNCT
hassl-3213	313	1	concentration	concentration	NOUN
hassl-3213	313	2	and	and	CCONJ
hassl-3213	313	3	foreign	foreign	ADJ
hassl-3213	313	4	penetration	penetration	NOUN
hassl-3213	313	5	in	in	ADP
hassl-3213	313	6	latin	latin	ADJ
hassl-3213	313	7	american	american	ADJ
hassl-3213	313	8	banking	banking	NOUN
hassl-3213	313	9	sectors	sector	NOUN
hassl-3213	313	10	:	:	PUNCT
hassl-3213	313	11	impact	impact	NOUN
hassl-3213	313	12	on	on	ADP
hassl-3213	313	13	competition	competition	NOUN
hassl-3213	313	14	and	and	CCONJ
hassl-3213	313	15	risk	risk	NOUN
hassl-3213	313	16	.	.	PUNCT
hassl-3213	314	1	journal	journal	NOUN
hassl-3213	314	2	of	of	ADP
hassl-3213	314	3	banking	banking	NOUN
hassl-3213	314	4	&	&	CCONJ
hassl-3213	314	5	finance	finance	NOUN
hassl-3213	314	6	,	,	PUNCT
hassl-3213	314	7	31(6	31(6	NUM
hassl-3213	314	8	)	)	PUNCT
hassl-3213	314	9	,	,	PUNCT
hassl-3213	314	10	1633-1647.available	1633-1647.available	NUM
hassl-3213	314	11	at	at	ADP
hassl-3213	314	12	:	:	PUNCT
hassl-3213	314	13	https://doi.org/10.1016/j.jbankfin.2006.11.003	https://doi.org/10.1016/j.jbankfin.2006.11.003	PROPN
hassl-3213	314	14	.	.	PUNCT
hassl-3213	314	15	yuan	yuan	PROPN
hassl-3213	314	16	,	,	PUNCT
hassl-3213	315	1	y.	y.	PROPN
hassl-3213	315	2	(	(	PUNCT
hassl-3213	315	3	2006	2006	NUM
hassl-3213	315	4	)	)	PUNCT
hassl-3213	315	5	.	.	PUNCT
hassl-3213	316	1	the	the	DET
hassl-3213	316	2	state	state	NOUN
hassl-3213	316	3	of	of	ADP
hassl-3213	316	4	competition	competition	NOUN
hassl-3213	316	5	of	of	ADP
hassl-3213	316	6	the	the	DET
hassl-3213	316	7	chinese	chinese	ADJ
hassl-3213	316	8	banking	banking	NOUN
hassl-3213	316	9	industry	industry	NOUN
hassl-3213	316	10	.	.	PUNCT
hassl-3213	317	1	journal	journal	PROPN
hassl-3213	317	2	of	of	ADP
hassl-3213	317	3	asian	asian	ADJ
hassl-3213	317	4	economics	economic	NOUN
hassl-3213	317	5	,	,	PUNCT
hassl-3213	317	6	17(3	17(3	NUM
hassl-3213	317	7	)	)	PUNCT
hassl-3213	317	8	,	,	PUNCT
hassl-3213	317	9	519	519	NUM
hassl-3213	317	10	-	-	SYM
hassl-3213	317	11	534	534	NUM
hassl-3213	317	12	.	.	PUNCT
hassl-3213	318	1	zogjani	zogjani	PROPN
hassl-3213	318	2	,	,	PUNCT
hassl-3213	318	3	j.	j.	PROPN
hassl-3213	318	4	,	,	PUNCT
hassl-3213	318	5	kelmendi	kelmendi	PROPN
hassl-3213	318	6	,	,	PUNCT
hassl-3213	318	7	m.	m.	NOUN
hassl-3213	318	8	,	,	PUNCT
hassl-3213	318	9	humolli	humolli	PROPN
hassl-3213	318	10	,	,	PUNCT
hassl-3213	318	11	b.	b.	PROPN
hassl-3213	318	12	,	,	PUNCT
hassl-3213	318	13	&	&	CCONJ
hassl-3213	318	14	raçi	raçi	PROPN
hassl-3213	318	15	,	,	PUNCT
hassl-3213	318	16	s.	s.	PROPN
hassl-3213	318	17	(	(	PUNCT
hassl-3213	318	18	2016	2016	NUM
hassl-3213	318	19	)	)	PUNCT
hassl-3213	318	20	.	.	PUNCT
hassl-3213	319	1	the	the	DET
hassl-3213	319	2	impact	impact	NOUN
hassl-3213	319	3	of	of	ADP
hassl-3213	319	4	banking	banking	NOUN
hassl-3213	319	5	performance	performance	NOUN
hassl-3213	319	6	in	in	ADP
hassl-3213	319	7	banking	banking	NOUN
hassl-3213	319	8	sector	sector	NOUN
hassl-3213	319	9	-	-	PUNCT
hassl-3213	319	10	evidence	evidence	NOUN
hassl-3213	319	11	for	for	ADP
hassl-3213	319	12	kosovo	kosovo	PROPN
hassl-3213	319	13	.	.	PUNCT
hassl-3213	320	1	mediterranean	mediterranean	PROPN
hassl-3213	320	2	journal	journal	PROPN
hassl-3213	320	3	of	of	ADP
hassl-3213	320	4	social	social	ADJ
hassl-3213	320	5	sciences	science	NOUN
hassl-3213	320	6	,	,	PUNCT
hassl-3213	320	7	7(6	7(6	NUM
hassl-3213	320	8	)	)	PUNCT
hassl-3213	320	9	,	,	PUNCT
hassl-3213	320	10	355-355.available	355-355.available	ADJ
hassl-3213	320	11	at	at	ADP
hassl-3213	320	12	:	:	PUNCT
hassl-3213	320	13	https://doi.org/10.5901/mjss.2016.v7n6p355	https://doi.org/10.5901/mjss.2016.v7n6p355	NUM
hassl-3213	320	14	.	.	PUNCT
hassl-3213	320	15	views	view	NOUN
hassl-3213	320	16	and	and	CCONJ
hassl-3213	320	17	opinions	opinion	NOUN
hassl-3213	320	18	expressed	express	VERB
hassl-3213	320	19	in	in	ADP
hassl-3213	320	20	this	this	DET
hassl-3213	320	21	article	article	NOUN
hassl-3213	320	22	are	be	AUX
hassl-3213	320	23	the	the	DET
hassl-3213	320	24	views	view	NOUN
hassl-3213	320	25	and	and	CCONJ
hassl-3213	320	26	opinions	opinion	NOUN
hassl-3213	320	27	of	of	ADP
hassl-3213	320	28	the	the	DET
hassl-3213	320	29	author(s	author(s	NOUN
hassl-3213	320	30	)	)	PUNCT
hassl-3213	320	31	,	,	PUNCT
hassl-3213	320	32	humanities	humanity	NOUN
hassl-3213	320	33	and	and	CCONJ
hassl-3213	320	34	social	social	ADJ
hassl-3213	320	35	sciences	science	NOUN
hassl-3213	320	36	letters	letter	NOUN
hassl-3213	320	37	shall	shall	AUX
hassl-3213	320	38	not	not	PART
hassl-3213	320	39	be	be	AUX
hassl-3213	320	40	responsible	responsible	ADJ
hassl-3213	320	41	or	or	CCONJ
hassl-3213	320	42	answerable	answerable	ADJ
hassl-3213	320	43	for	for	ADP
hassl-3213	320	44	any	any	DET
hassl-3213	320	45	loss	loss	NOUN
hassl-3213	320	46	,	,	PUNCT
hassl-3213	320	47	damage	damage	NOUN
hassl-3213	320	48	or	or	CCONJ
hassl-3213	320	49	liability	liability	NOUN
hassl-3213	320	50	etc	etc	X
hassl-3213	320	51	.	.	X
hassl-3213	320	52	caused	cause	VERB
hassl-3213	320	53	in	in	ADP
hassl-3213	320	54	relation	relation	NOUN
hassl-3213	320	55	to	to	PART
hassl-3213	320	56	/	/	PUNCT
hassl-3213	320	57	arising	arise	VERB
hassl-3213	320	58	out	out	ADP
hassl-3213	320	59	of	of	ADP
hassl-3213	320	60	the	the	DET
hassl-3213	320	61	use	use	NOUN
hassl-3213	320	62	of	of	ADP
hassl-3213	320	63	the	the	DET
hassl-3213	320	64	content	content	NOUN
hassl-3213	320	65	.	.	PUNCT