id	sid	tid	token	lemma	pos
ijosar-727	1	1	merger	merger	NOUN
ijosar-727	1	2	of	of	ADP
ijosar-727	1	3	banks	bank	NOUN
ijosar-727	1	4	:	:	PUNCT
ijosar-727	1	5	indian	indian	PROPN
ijosar-727	1	6	perspective	perspective	PROPN
ijosar-727	1	7	dr	dr	PROPN
ijosar-727	1	8	.	.	PROPN
ijosar-727	1	9	t.vinila	t.vinila	PROPN
ijosar-727	1	10	,	,	PUNCT
ijosar-727	1	11	assistant	assistant	NOUN
ijosar-727	1	12	professor	professor	NOUN
ijosar-727	1	13	of	of	ADP
ijosar-727	1	14	commerce	commerce	PROPN
ijosar-727	1	15	,	,	PUNCT
ijosar-727	1	16	smt	smt	PROPN
ijosar-727	1	17	.	.	PUNCT
ijosar-727	2	1	n.	n.	PROPN
ijosar-727	2	2	p.	p.	PROPN
ijosar-727	2	3	savitramma	savitramma	PROPN
ijosar-727	2	4	govt	govt	NOUN
ijosar-727	2	5	degree	degree	NOUN
ijosar-727	2	6	college(g	college(g	PROPN
ijosar-727	2	7	)	)	PUNCT
ijosar-727	2	8	chittoor	chittoor	PROPN
ijosar-727	2	9	.	.	PUNCT
ijosar-727	3	1	email	email	NOUN
ijosar-727	3	2	:	:	PUNCT
ijosar-727	3	3	vinila_thadipalli@rediffmail.com	vinila_thadipalli@rediffmail.com	X
ijosar-727	3	4	_	_	PUNCT
ijosar-727	4	1	_	_	PUNCT
ijosar-727	5	1	_	_	PUNCT
ijosar-727	6	1	_	_	PUNCT
ijosar-727	7	1	_	_	PUNCT
ijosar-727	8	1	_	_	PUNCT
ijosar-727	9	1	_	_	PUNCT
ijosar-727	10	1	_	_	PUNCT
ijosar-727	11	1	_	_	PUNCT
ijosar-727	12	1	_	_	PUNCT
ijosar-727	13	1	_	_	PUNCT
ijosar-727	14	1	_	_	PUNCT
ijosar-727	15	1	_	_	PUNCT
ijosar-727	16	1	_	_	PUNCT
ijosar-727	17	1	_	_	PUNCT
ijosar-727	18	1	_	_	PUNCT
ijosar-727	19	1	_	_	PUNCT
ijosar-727	20	1	_	_	PUNCT
ijosar-727	21	1	_	_	PUNCT
ijosar-727	22	1	_	_	PUNCT
ijosar-727	23	1	_	_	PUNCT
ijosar-727	24	1	_	_	PUNCT
ijosar-727	25	1	_	_	PUNCT
ijosar-727	26	1	_	_	PUNCT
ijosar-727	27	1	_	_	PUNCT
ijosar-727	28	1	_	_	PUNCT
ijosar-727	29	1	_	_	PUNCT
ijosar-727	30	1	_	_	PUNCT
ijosar-727	31	1	_	_	PUNCT
ijosar-727	32	1	_	_	PUNCT
ijosar-727	33	1	_	_	PUNCT
ijosar-727	34	1	_	_	PUNCT
ijosar-727	35	1	_	_	PUNCT
ijosar-727	36	1	_	_	PUNCT
ijosar-727	37	1	_	_	PUNCT
ijosar-727	38	1	_	_	PUNCT
ijosar-727	39	1	_	_	PUNCT
ijosar-727	40	1	_	_	PUNCT
ijosar-727	41	1	_	_	PUNCT
ijosar-727	42	1	_	_	PUNCT
ijosar-727	43	1	_	_	PUNCT
ijosar-727	44	1	_	_	PUNCT
ijosar-727	45	1	_	_	PUNCT
ijosar-727	46	1	_	_	PUNCT
ijosar-727	47	1	_	_	PUNCT
ijosar-727	48	1	_	_	PUNCT
ijosar-727	49	1	_	_	PUNCT
ijosar-727	50	1	_	_	PUNCT
ijosar-727	51	1	_	_	PUNCT
ijosar-727	52	1	_	_	PUNCT
ijosar-727	53	1	_	_	PUNCT
ijosar-727	54	1	_	_	PUNCT
ijosar-727	55	1	_	_	PUNCT
ijosar-727	56	1	_	_	PUNCT
ijosar-727	57	1	_	_	PUNCT
ijosar-727	58	1	_	_	PUNCT
ijosar-727	59	1	_	_	PUNCT
ijosar-727	60	1	_	_	PUNCT
ijosar-727	61	1	_	_	PUNCT
ijosar-727	62	1	_	_	PUNCT
ijosar-727	63	1	_	_	PUNCT
ijosar-727	64	1	_	_	PUNCT
ijosar-727	65	1	_	_	PUNCT
ijosar-727	66	1	_	_	PUNCT
ijosar-727	67	1	_	_	PUNCT
ijosar-727	68	1	_	_	PUNCT
ijosar-727	69	1	_	_	PUNCT
ijosar-727	70	1	_	_	PUNCT
ijosar-727	71	1	_	_	PUNCT
ijosar-727	72	1	_	_	PUNCT
ijosar-727	73	1	_	_	PUNCT
ijosar-727	74	1	_	_	PUNCT
ijosar-727	75	1	_	_	PUNCT
ijosar-727	76	1	_	_	PUNCT
ijosar-727	77	1	abstract	abstract	ADJ
ijosar-727	77	2	financial	financial	ADJ
ijosar-727	77	3	intermediation	intermediation	NOUN
ijosar-727	77	4	is	be	AUX
ijosar-727	77	5	a	a	DET
ijosar-727	77	6	vital	vital	ADJ
ijosar-727	77	7	component	component	NOUN
ijosar-727	77	8	in	in	ADP
ijosar-727	77	9	supporting	support	VERB
ijosar-727	77	10	the	the	DET
ijosar-727	77	11	country	country	NOUN
ijosar-727	77	12	’s	’s	PART
ijosar-727	77	13	economic	economic	ADJ
ijosar-727	77	14	growth	growth	NOUN
ijosar-727	77	15	.	.	PUNCT
ijosar-727	78	1	the	the	DET
ijosar-727	78	2	indian	indian	ADJ
ijosar-727	78	3	banking	banking	NOUN
ijosar-727	78	4	sector	sector	NOUN
ijosar-727	78	5	has	have	AUX
ijosar-727	78	6	been	be	AUX
ijosar-727	78	7	constantly	constantly	ADV
ijosar-727	78	8	evolving	evolve	VERB
ijosar-727	78	9	and	and	CCONJ
ijosar-727	78	10	a	a	DET
ijosar-727	78	11	major	major	ADJ
ijosar-727	78	12	impetus	impetus	NOUN
ijosar-727	78	13	came	come	VERB
ijosar-727	78	14	from	from	ADP
ijosar-727	78	15	the	the	DET
ijosar-727	78	16	nationalisation	nationalisation	NOUN
ijosar-727	78	17	of	of	ADP
ijosar-727	78	18	commercial	commercial	ADJ
ijosar-727	78	19	banks	bank	NOUN
ijosar-727	78	20	with	with	ADP
ijosar-727	78	21	social	social	ADJ
ijosar-727	78	22	objectives	objective	NOUN
ijosar-727	78	23	,	,	PUNCT
ijosar-727	78	24	subsequently	subsequently	ADV
ijosar-727	78	25	,	,	PUNCT
ijosar-727	78	26	it	it	PRON
ijosar-727	78	27	has	have	AUX
ijosar-727	78	28	been	be	AUX
ijosar-727	78	29	witnessing	witness	VERB
ijosar-727	78	30	a	a	DET
ijosar-727	78	31	wide	wide	ADJ
ijosar-727	78	32	range	range	NOUN
ijosar-727	78	33	of	of	ADP
ijosar-727	78	34	policy	policy	NOUN
ijosar-727	78	35	-	-	PUNCT
ijosar-727	78	36	induced	induce	VERB
ijosar-727	78	37	reforms	reform	NOUN
ijosar-727	78	38	and	and	CCONJ
ijosar-727	78	39	structural	structural	ADJ
ijosar-727	78	40	changes	change	NOUN
ijosar-727	78	41	since	since	SCONJ
ijosar-727	78	42	the	the	DET
ijosar-727	78	43	early	early	ADJ
ijosar-727	78	44	1990s	1990	NOUN
ijosar-727	78	45	.	.	PUNCT
ijosar-727	79	1	a	a	DET
ijosar-727	79	2	bank	bank	NOUN
ijosar-727	79	3	merger	merger	NOUN
ijosar-727	79	4	is	be	AUX
ijosar-727	79	5	a	a	DET
ijosar-727	79	6	situation	situation	NOUN
ijosar-727	79	7	where	where	SCONJ
ijosar-727	79	8	two	two	NUM
ijosar-727	79	9	banks	bank	NOUN
ijosar-727	79	10	combine	combine	VERB
ijosar-727	79	11	their	their	PRON
ijosar-727	79	12	liabilities	liability	NOUN
ijosar-727	79	13	and	and	CCONJ
ijosar-727	79	14	assets	asset	NOUN
ijosar-727	79	15	to	to	PART
ijosar-727	79	16	become	become	VERB
ijosar-727	79	17	one	one	NUM
ijosar-727	79	18	bank	bank	NOUN
ijosar-727	79	19	.	.	PUNCT
ijosar-727	80	1	nearly	nearly	ADV
ijosar-727	80	2	every	every	DET
ijosar-727	80	3	middle	middle	ADJ
ijosar-727	80	4	-	-	PUNCT
ijosar-727	80	5	market	market	NOUN
ijosar-727	80	6	bank	bank	NOUN
ijosar-727	80	7	in	in	ADP
ijosar-727	80	8	india	india	PROPN
ijosar-727	80	9	is	be	AUX
ijosar-727	80	10	planning	plan	VERB
ijosar-727	80	11	to	to	PART
ijosar-727	80	12	merge	merge	VERB
ijosar-727	80	13	with	with	ADP
ijosar-727	80	14	another	another	DET
ijosar-727	80	15	bank	bank	NOUN
ijosar-727	80	16	to	to	PART
ijosar-727	80	17	expand	expand	VERB
ijosar-727	80	18	its	its	PRON
ijosar-727	80	19	reach	reach	NOUN
ijosar-727	80	20	and	and	CCONJ
ijosar-727	80	21	gain	gain	VERB
ijosar-727	80	22	new	new	ADJ
ijosar-727	80	23	customers	customer	NOUN
ijosar-727	80	24	’	’	PART
ijosar-727	80	25	attention	attention	NOUN
ijosar-727	80	26	.	.	PUNCT
ijosar-727	81	1	merging	merging	NOUN
ijosar-727	81	2	helps	help	VERB
ijosar-727	81	3	a	a	DET
ijosar-727	81	4	financial	financial	ADJ
ijosar-727	81	5	institution	institution	NOUN
ijosar-727	81	6	to	to	PART
ijosar-727	81	7	grow	grow	VERB
ijosar-727	81	8	faster	fast	ADV
ijosar-727	81	9	and	and	CCONJ
ijosar-727	81	10	achieve	achieve	VERB
ijosar-727	81	11	huge	huge	ADJ
ijosar-727	81	12	credibility	credibility	NOUN
ijosar-727	81	13	in	in	ADP
ijosar-727	81	14	the	the	DET
ijosar-727	81	15	market	market	NOUN
ijosar-727	81	16	.	.	PUNCT
ijosar-727	82	1	a	a	DET
ijosar-727	82	2	merger	merger	NOUN
ijosar-727	82	3	gives	give	VERB
ijosar-727	82	4	a	a	DET
ijosar-727	82	5	financial	financial	ADJ
ijosar-727	82	6	institution	institution	NOUN
ijosar-727	82	7	more	more	ADJ
ijosar-727	82	8	capital	capital	NOUN
ijosar-727	82	9	to	to	PART
ijosar-727	82	10	work	work	VERB
ijosar-727	82	11	with	with	ADP
ijosar-727	82	12	and	and	CCONJ
ijosar-727	82	13	upscale	upscale	VERB
ijosar-727	82	14	their	their	PRON
ijosar-727	82	15	geographic	geographic	ADJ
ijosar-727	82	16	reach	reach	NOUN
ijosar-727	82	17	in	in	ADP
ijosar-727	82	18	which	which	PRON
ijosar-727	82	19	they	they	PRON
ijosar-727	82	20	operate	operate	VERB
ijosar-727	82	21	.	.	PUNCT
ijosar-727	83	1	if	if	SCONJ
ijosar-727	83	2	a	a	DET
ijosar-727	83	3	small	small	ADJ
ijosar-727	83	4	bank	bank	NOUN
ijosar-727	83	5	wants	want	VERB
ijosar-727	83	6	to	to	PART
ijosar-727	83	7	achieve	achieve	VERB
ijosar-727	83	8	financial	financial	ADJ
ijosar-727	83	9	goals	goal	NOUN
ijosar-727	83	10	quickly	quickly	ADV
ijosar-727	83	11	,	,	PUNCT
ijosar-727	83	12	it	it	PRON
ijosar-727	83	13	is	be	AUX
ijosar-727	83	14	a	a	DET
ijosar-727	83	15	great	great	ADJ
ijosar-727	83	16	option	option	NOUN
ijosar-727	83	17	for	for	ADP
ijosar-727	83	18	it	it	PRON
ijosar-727	83	19	.	.	PUNCT
ijosar-727	84	1	one	one	NUM
ijosar-727	84	2	of	of	ADP
ijosar-727	84	3	the	the	DET
ijosar-727	84	4	significant	significant	ADJ
ijosar-727	84	5	benefits	benefit	NOUN
ijosar-727	84	6	of	of	ADP
ijosar-727	84	7	bank	bank	NOUN
ijosar-727	84	8	mergers	merger	NOUN
ijosar-727	84	9	is	be	AUX
ijosar-727	84	10	that	that	SCONJ
ijosar-727	84	11	it	it	PRON
ijosar-727	84	12	reduces	reduce	VERB
ijosar-727	84	13	the	the	DET
ijosar-727	84	14	weakness	weakness	NOUN
ijosar-727	84	15	and	and	CCONJ
ijosar-727	84	16	gets	get	VERB
ijosar-727	84	17	the	the	DET
ijosar-727	84	18	market	market	NOUN
ijosar-727	84	19	’s	’s	PART
ijosar-727	84	20	competitive	competitive	ADJ
ijosar-727	84	21	edge	edge	NOUN
ijosar-727	84	22	.	.	PUNCT
ijosar-727	85	1	in	in	ADP
ijosar-727	85	2	the	the	DET
ijosar-727	85	3	merger	merger	NOUN
ijosar-727	85	4	process	process	NOUN
ijosar-727	85	5	,	,	PUNCT
ijosar-727	85	6	the	the	DET
ijosar-727	85	7	merging	merge	VERB
ijosar-727	85	8	banks	bank	NOUN
ijosar-727	85	9	share	share	VERB
ijosar-727	85	10	information	information	NOUN
ijosar-727	85	11	related	relate	VERB
ijosar-727	85	12	to	to	ADP
ijosar-727	85	13	technology	technology	NOUN
ijosar-727	85	14	,	,	PUNCT
ijosar-727	85	15	cash	cash	NOUN
ijosar-727	85	16	,	,	PUNCT
ijosar-727	85	17	resources	resource	NOUN
ijosar-727	85	18	,	,	PUNCT
ijosar-727	85	19	data	datum	NOUN
ijosar-727	85	20	,	,	PUNCT
ijosar-727	85	21	etc	etc	X
ijosar-727	85	22	.	.	X
ijosar-727	86	1	the	the	DET
ijosar-727	86	2	new	new	ADJ
ijosar-727	86	3	steps	step	NOUN
ijosar-727	86	4	toward	toward	ADP
ijosar-727	86	5	consolidation	consolidation	NOUN
ijosar-727	86	6	of	of	ADP
ijosar-727	86	7	the	the	DET
ijosar-727	86	8	public	public	ADJ
ijosar-727	86	9	sector	sector	NOUN
ijosar-727	86	10	banks	bank	NOUN
ijosar-727	86	11	(	(	PUNCT
ijosar-727	86	12	psb	psb	PROPN
ijosar-727	86	13	)	)	PUNCT
ijosar-727	86	14	are	be	AUX
ijosar-727	86	15	among	among	ADP
ijosar-727	86	16	the	the	DET
ijosar-727	86	17	most	most	ADV
ijosar-727	86	18	distinguished	distinguished	ADJ
ijosar-727	86	19	events	event	NOUN
ijosar-727	86	20	in	in	ADP
ijosar-727	86	21	the	the	DET
ijosar-727	86	22	financial	financial	ADJ
ijosar-727	86	23	landscape	landscape	NOUN
ijosar-727	86	24	of	of	ADP
ijosar-727	86	25	the	the	DET
ijosar-727	86	26	country	country	NOUN
ijosar-727	86	27	in	in	ADP
ijosar-727	86	28	recent	recent	ADJ
ijosar-727	86	29	years	year	NOUN
ijosar-727	86	30	which	which	PRON
ijosar-727	86	31	would	would	AUX
ijosar-727	86	32	result	result	VERB
ijosar-727	86	33	in	in	ADP
ijosar-727	86	34	a	a	DET
ijosar-727	86	35	major	major	ADJ
ijosar-727	86	36	transformation	transformation	NOUN
ijosar-727	86	37	,	,	PUNCT
ijosar-727	86	38	in	in	ADP
ijosar-727	86	39	line	line	NOUN
ijosar-727	86	40	with	with	ADP
ijosar-727	86	41	the	the	DET
ijosar-727	86	42	narasimham	narasimham	PROPN
ijosar-727	86	43	committee	committee	PROPN
ijosar-727	86	44	report	report	PROPN
ijosar-727	86	45	(	(	PUNCT
ijosar-727	86	46	1991	1991	NUM
ijosar-727	86	47	)	)	PUNCT
ijosar-727	86	48	to	to	PART
ijosar-727	86	49	create	create	VERB
ijosar-727	86	50	a	a	DET
ijosar-727	86	51	few	few	ADJ
ijosar-727	86	52	but	but	CCONJ
ijosar-727	86	53	strong	strong	ADJ
ijosar-727	86	54	banks	bank	NOUN
ijosar-727	86	55	that	that	PRON
ijosar-727	86	56	can	can	AUX
ijosar-727	86	57	compete	compete	VERB
ijosar-727	86	58	at	at	ADP
ijosar-727	86	59	the	the	DET
ijosar-727	86	60	national	national	ADJ
ijosar-727	86	61	as	as	ADV
ijosar-727	86	62	well	well	ADV
ijosar-727	86	63	as	as	ADP
ijosar-727	86	64	at	at	ADP
ijosar-727	86	65	the	the	DET
ijosar-727	86	66	international	international	ADJ
ijosar-727	86	67	level	level	NOUN
ijosar-727	86	68	(	(	PUNCT
ijosar-727	86	69	das	das	PROPN
ijosar-727	86	70	,	,	PUNCT
ijosar-727	86	71	2019	2019	NUM
ijosar-727	86	72	)	)	PUNCT
ijosar-727	86	73	.	.	PUNCT
ijosar-727	87	1	the	the	DET
ijosar-727	87	2	paper	paper	NOUN
ijosar-727	87	3	,	,	PUNCT
ijosar-727	87	4	thus	thus	ADV
ijosar-727	87	5	,	,	PUNCT
ijosar-727	87	6	upheld	uphold	VERB
ijosar-727	87	7	both	both	CCONJ
ijosar-727	87	8	the	the	DET
ijosar-727	87	9	competition	competition	NOUN
ijosar-727	87	10	-	-	PUNCT
ijosar-727	87	11	stability	stability	NOUN
ijosar-727	87	12	as	as	ADV
ijosar-727	87	13	well	well	ADV
ijosar-727	87	14	as	as	ADP
ijosar-727	87	15	competition	competition	NOUN
ijosar-727	87	16	-	-	PUNCT
ijosar-727	87	17	fragility	fragility	NOUN
ijosar-727	87	18	views	view	NOUN
ijosar-727	87	19	for	for	ADP
ijosar-727	87	20	banks	bank	NOUN
ijosar-727	87	21	in	in	ADP
ijosar-727	87	22	india	india	PROPN
ijosar-727	87	23	the	the	DET
ijosar-727	87	24	paper	paper	NOUN
ijosar-727	87	25	provided	provide	VERB
ijosar-727	87	26	evidence	evidence	NOUN
ijosar-727	87	27	in	in	ADP
ijosar-727	87	28	support	support	NOUN
ijosar-727	87	29	of	of	ADP
ijosar-727	87	30	the	the	DET
ijosar-727	87	31	recent	recent	ADJ
ijosar-727	87	32	attempts	attempt	NOUN
ijosar-727	87	33	at	at	ADP
ijosar-727	87	34	consolidation	consolidation	NOUN
ijosar-727	87	35	,	,	PUNCT
ijosar-727	87	36	merger	merger	NOUN
ijosar-727	87	37	among	among	ADP
ijosar-727	87	38	public	public	ADJ
ijosar-727	87	39	sector	sector	NOUN
ijosar-727	87	40	banks	bank	NOUN
ijosar-727	87	41	and	and	CCONJ
ijosar-727	87	42	examined	examine	VERB
ijosar-727	87	43	certain	certain	ADJ
ijosar-727	87	44	important	important	ADJ
ijosar-727	87	45	aspects	aspect	NOUN
ijosar-727	87	46	of	of	ADP
ijosar-727	87	47	concentration	concentration	NOUN
ijosar-727	87	48	,	,	PUNCT
ijosar-727	87	49	competition	competition	NOUN
ijosar-727	87	50	and	and	CCONJ
ijosar-727	87	51	soundness	soundness	NOUN
ijosar-727	87	52	of	of	ADP
ijosar-727	87	53	banks	bank	NOUN
ijosar-727	87	54	during	during	ADP
ijosar-727	87	55	the	the	DET
ijosar-727	87	56	period	period	NOUN
ijosar-727	87	57	.	.	PUNCT
ijosar-727	88	1	keywords	keyword	NOUN
ijosar-727	88	2	:	:	PUNCT
ijosar-727	88	3	merger	merger	NOUN
ijosar-727	88	4	,	,	PUNCT
ijosar-727	88	5	banks	bank	NOUN
ijosar-727	88	6	,	,	PUNCT
ijosar-727	88	7	acquisition	acquisition	NOUN
ijosar-727	88	8	ijointernational	ijointernational	ADJ
ijosar-727	88	9	journal	journal	NOUN
ijosar-727	88	10	of	of	ADP
ijosar-727	88	11	social	social	ADJ
ijosar-727	88	12	science	science	NOUN
ijosar-727	88	13	and	and	CCONJ
ijosar-727	88	14	humanities	humanity	NOUN
ijosar-727	88	15	research	research	NOUN
ijosar-727	88	16	(	(	PUNCT
ijosar-727	88	17	issn	issn	PROPN
ijosar-727	88	18	2811	2811	NUM
ijosar-727	88	19	-	-	SYM
ijosar-727	88	20	2466	2466	NUM
ijosar-727	88	21	)	)	PUNCT
ijosar-727	88	22	volume	volume	NOUN
ijosar-727	88	23	06	06	NUM
ijosar-727	89	1	|	|	ADV
ijosar-727	89	2	issue	issue	NOUN
ijosar-727	89	3	09	09	NUM
ijosar-727	89	4	|	|	ADV
ijosar-727	89	5	september	september	PROPN
ijosar-727	89	6	2023	2023	NUM
ijosar-727	89	7	|	|	NOUN
ijosar-727	89	8	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	89	9	1	1	NUM
ijosar-727	89	10	https://www.investmentpedia.org/	https://www.investmentpedia.org/	NOUN
ijosar-727	89	11	introduction	introduction	NOUN
ijosar-727	89	12	:	:	PUNCT
ijosar-727	89	13	the	the	DET
ijosar-727	89	14	recent	recent	ADJ
ijosar-727	89	15	spate	spate	NOUN
ijosar-727	89	16	of	of	ADP
ijosar-727	89	17	consolidation	consolidation	NOUN
ijosar-727	89	18	of	of	ADP
ijosar-727	89	19	psbs	psbs	NOUN
ijosar-727	89	20	started	start	VERB
ijosar-727	89	21	with	with	ADP
ijosar-727	89	22	the	the	DET
ijosar-727	89	23	merger	merger	NOUN
ijosar-727	89	24	of	of	ADP
ijosar-727	89	25	a	a	DET
ijosar-727	89	26	few	few	ADJ
ijosar-727	89	27	associate	associate	ADJ
ijosar-727	89	28	banks	bank	NOUN
ijosar-727	89	29	of	of	ADP
ijosar-727	89	30	state	state	PROPN
ijosar-727	89	31	bank	bank	PROPN
ijosar-727	89	32	of	of	ADP
ijosar-727	89	33	india	india	PROPN
ijosar-727	89	34	(	(	PUNCT
ijosar-727	89	35	sbi	sbi	PROPN
ijosar-727	89	36	)	)	PUNCT
ijosar-727	89	37	and	and	CCONJ
ijosar-727	89	38	another	another	DET
ijosar-727	89	39	public	public	ADJ
ijosar-727	89	40	sector	sector	NOUN
ijosar-727	89	41	banks(psb	banks(psb	NOUN
ijosar-727	89	42	)	)	PUNCT
ijosar-727	89	43	with	with	ADP
ijosar-727	89	44	sbi	sbi	PROPN
ijosar-727	89	45	in	in	ADP
ijosar-727	89	46	april	april	PROPN
ijosar-727	89	47	2017	2017	NUM
ijosar-727	89	48	.	.	PUNCT
ijosar-727	90	1	exactly	exactly	ADV
ijosar-727	90	2	after	after	ADP
ijosar-727	90	3	two	two	NUM
ijosar-727	90	4	years	year	NOUN
ijosar-727	90	5	,	,	PUNCT
ijosar-727	90	6	i.e.	i.e.	X
ijosar-727	90	7	,	,	PUNCT
ijosar-727	90	8	in	in	ADP
ijosar-727	90	9	april	april	PROPN
ijosar-727	90	10	2019	2019	NUM
ijosar-727	90	11	,	,	PUNCT
ijosar-727	90	12	two	two	NUM
ijosar-727	90	13	more	more	ADJ
ijosar-727	90	14	psbs	psbs	NOUN
ijosar-727	90	15	were	be	AUX
ijosar-727	90	16	amalgamated	amalgamate	VERB
ijosar-727	90	17	with	with	ADP
ijosar-727	90	18	bank	bank	NOUN
ijosar-727	90	19	of	of	ADP
ijosar-727	90	20	baroda	baroda	PROPN
ijosar-727	90	21	(	(	PUNCT
ijosar-727	90	22	bob	bob	PROPN
ijosar-727	90	23	)	)	PUNCT
ijosar-727	90	24	.	.	PUNCT
ijosar-727	91	1	the	the	DET
ijosar-727	91	2	purpose	purpose	NOUN
ijosar-727	91	3	was	be	AUX
ijosar-727	91	4	to	to	PART
ijosar-727	91	5	form	form	VERB
ijosar-727	91	6	strong	strong	ADJ
ijosar-727	91	7	and	and	CCONJ
ijosar-727	91	8	competitive	competitive	ADJ
ijosar-727	91	9	banks	bank	NOUN
ijosar-727	91	10	through	through	ADP
ijosar-727	91	11	consolidation	consolidation	NOUN
ijosar-727	91	12	among	among	ADP
ijosar-727	91	13	psbs	psbs	NOUN
ijosar-727	91	14	as	as	SCONJ
ijosar-727	91	15	announced	announce	VERB
ijosar-727	91	16	by	by	ADP
ijosar-727	91	17	the	the	DET
ijosar-727	91	18	government	government	NOUN
ijosar-727	91	19	of	of	ADP
ijosar-727	91	20	india	india	PROPN
ijosar-727	91	21	(	(	PUNCT
ijosar-727	91	22	goi	goi	PROPN
ijosar-727	91	23	,	,	PUNCT
ijosar-727	91	24	2019	2019	NUM
ijosar-727	91	25	)	)	PUNCT
ijosar-727	91	26	.	.	PUNCT
ijosar-727	92	1	in	in	ADP
ijosar-727	92	2	april	april	PROPN
ijosar-727	92	3	2020	2020	NUM
ijosar-727	92	4	,	,	PUNCT
ijosar-727	92	5	the	the	DET
ijosar-727	92	6	government	government	NOUN
ijosar-727	92	7	of	of	ADP
ijosar-727	92	8	india	india	PROPN
ijosar-727	92	9	(	(	PUNCT
ijosar-727	92	10	goi	goi	PROPN
ijosar-727	92	11	)	)	PUNCT
ijosar-727	92	12	consolidated	consolidate	VERB
ijosar-727	92	13	ten	ten	NUM
ijosar-727	92	14	psbs	psbs	NOUN
ijosar-727	92	15	into	into	ADP
ijosar-727	92	16	four	four	NUM
ijosar-727	92	17	and	and	CCONJ
ijosar-727	92	18	termed	term	VERB
ijosar-727	92	19	it	it	PRON
ijosar-727	92	20	as	as	ADP
ijosar-727	92	21	mega	mega	ADJ
ijosar-727	92	22	consolidation	consolidation	NOUN
ijosar-727	92	23	(	(	PUNCT
ijosar-727	92	24	goi	goi	NOUN
ijosar-727	92	25	,	,	PUNCT
ijosar-727	92	26	2020	2020	NUM
ijosar-727	92	27	)	)	PUNCT
ijosar-727	92	28	.	.	PUNCT
ijosar-727	93	1	punjab	punjab	PROPN
ijosar-727	93	2	national	national	PROPN
ijosar-727	93	3	bank	bank	PROPN
ijosar-727	93	4	(	(	PUNCT
ijosar-727	93	5	pnb	pnb	PROPN
ijosar-727	93	6	)	)	PUNCT
ijosar-727	93	7	and	and	CCONJ
ijosar-727	93	8	union	union	PROPN
ijosar-727	93	9	bank	bank	PROPN
ijosar-727	93	10	of	of	ADP
ijosar-727	93	11	india	india	PROPN
ijosar-727	93	12	(	(	PUNCT
ijosar-727	93	13	ubi	ubi	PROPN
ijosar-727	93	14	)	)	PUNCT
ijosar-727	93	15	amalgamated	amalgamate	VERB
ijosar-727	93	16	two	two	NUM
ijosar-727	93	17	psbs	psbs	NOUN
ijosar-727	93	18	each	each	PRON
ijosar-727	93	19	while	while	SCONJ
ijosar-727	93	20	canara	canara	PROPN
ijosar-727	93	21	bank	bank	PROPN
ijosar-727	93	22	and	and	CCONJ
ijosar-727	93	23	indian	indian	PROPN
ijosar-727	93	24	bank	bank	PROPN
ijosar-727	93	25	merged	merge	VERB
ijosar-727	93	26	one	one	NUM
ijosar-727	93	27	psb	psb	PROPN
ijosar-727	93	28	each	each	PRON
ijosar-727	93	29	into	into	ADP
ijosar-727	93	30	them	they	PRON
ijosar-727	93	31	.	.	PUNCT
ijosar-727	94	1	consequently	consequently	ADV
ijosar-727	94	2	,	,	PUNCT
ijosar-727	94	3	the	the	DET
ijosar-727	94	4	number	number	NOUN
ijosar-727	94	5	of	of	ADP
ijosar-727	94	6	psbs	psbs	NOUN
ijosar-727	94	7	went	go	VERB
ijosar-727	94	8	down	down	ADP
ijosar-727	94	9	from	from	ADP
ijosar-727	94	10	27	27	NUM
ijosar-727	94	11	in	in	ADP
ijosar-727	94	12	march	march	PROPN
ijosar-727	94	13	2017	2017	NUM
ijosar-727	94	14	to	to	ADP
ijosar-727	94	15	12	12	NUM
ijosar-727	94	16	in	in	ADP
ijosar-727	94	17	april	april	PROPN
ijosar-727	94	18	2020	2020	NUM
ijosar-727	94	19	.	.	PUNCT
ijosar-727	95	1	it	it	PRON
ijosar-727	95	2	is	be	AUX
ijosar-727	95	3	,	,	PUNCT
ijosar-727	95	4	thus	thus	ADV
ijosar-727	95	5	,	,	PUNCT
ijosar-727	95	6	observed	observe	VERB
ijosar-727	95	7	that	that	SCONJ
ijosar-727	95	8	consolidation	consolidation	NOUN
ijosar-727	95	9	of	of	ADP
ijosar-727	95	10	psbs	psbs	NOUN
ijosar-727	95	11	,	,	PUNCT
ijosar-727	95	12	although	although	SCONJ
ijosar-727	95	13	recommended	recommend	VERB
ijosar-727	95	14	in	in	ADP
ijosar-727	95	15	1991	1991	NUM
ijosar-727	95	16	,	,	PUNCT
ijosar-727	95	17	was	be	AUX
ijosar-727	95	18	implemented	implement	VERB
ijosar-727	95	19	since	since	SCONJ
ijosar-727	95	20	2016	2016	NUM
ijosar-727	95	21	(	(	PUNCT
ijosar-727	95	22	goi	goi	PROPN
ijosar-727	95	23	,	,	PUNCT
ijosar-727	95	24	2017	2017	NUM
ijosar-727	95	25	)	)	PUNCT
ijosar-727	95	26	.	.	PUNCT
ijosar-727	96	1	the	the	DET
ijosar-727	96	2	mega	mega	ADJ
ijosar-727	96	3	consolidation	consolidation	NOUN
ijosar-727	96	4	is	be	AUX
ijosar-727	96	5	expected	expect	VERB
ijosar-727	96	6	to	to	PART
ijosar-727	96	7	enhance	enhance	VERB
ijosar-727	96	8	the	the	DET
ijosar-727	96	9	competitiveness	competitiveness	NOUN
ijosar-727	96	10	of	of	ADP
ijosar-727	96	11	the	the	DET
ijosar-727	96	12	psbs	psbs	NOUN
ijosar-727	96	13	and	and	CCONJ
ijosar-727	96	14	stimulate	stimulate	VERB
ijosar-727	96	15	the	the	DET
ijosar-727	96	16	banking	banking	NOUN
ijosar-727	96	17	activity	activity	NOUN
ijosar-727	96	18	in	in	ADP
ijosar-727	96	19	the	the	DET
ijosar-727	96	20	country	country	NOUN
ijosar-727	96	21	(	(	PUNCT
ijosar-727	96	22	goi	goi	PROPN
ijosar-727	96	23	,	,	PUNCT
ijosar-727	96	24	2020	2020	NUM
ijosar-727	96	25	)	)	PUNCT
ijosar-727	96	26	.	.	PUNCT
ijosar-727	97	1	referring	refer	VERB
ijosar-727	97	2	to	to	ADP
ijosar-727	97	3	the	the	DET
ijosar-727	97	4	benefits	benefit	NOUN
ijosar-727	97	5	enjoyed	enjoy	VERB
ijosar-727	97	6	by	by	ADP
ijosar-727	97	7	large	large	ADJ
ijosar-727	97	8	banks	bank	NOUN
ijosar-727	97	9	due	due	ADJ
ijosar-727	97	10	to	to	ADP
ijosar-727	97	11	risk	risk	NOUN
ijosar-727	97	12	diversification	diversification	NOUN
ijosar-727	97	13	,	,	PUNCT
ijosar-727	97	14	gandhi	gandhi	PROPN
ijosar-727	97	15	(	(	PUNCT
ijosar-727	97	16	2016	2016	NUM
ijosar-727	97	17	)	)	PUNCT
ijosar-727	97	18	mentioned	mention	VERB
ijosar-727	97	19	losses	loss	NOUN
ijosar-727	97	20	of	of	ADP
ijosar-727	97	21	such	such	ADJ
ijosar-727	97	22	benefits	benefit	NOUN
ijosar-727	97	23	if	if	SCONJ
ijosar-727	97	24	the	the	DET
ijosar-727	97	25	size	size	NOUN
ijosar-727	97	26	of	of	ADP
ijosar-727	97	27	a	a	DET
ijosar-727	97	28	bank	bank	NOUN
ijosar-727	97	29	exceeded	exceed	VERB
ijosar-727	97	30	a	a	DET
ijosar-727	97	31	threshold	threshold	NOUN
ijosar-727	97	32	.	.	PUNCT
ijosar-727	98	1	objectives	objective	NOUN
ijosar-727	98	2	of	of	ADP
ijosar-727	98	3	the	the	DET
ijosar-727	98	4	study	study	NOUN
ijosar-727	98	5	:	:	PUNCT
ijosar-727	98	6			VERB
ijosar-727	98	7	to	to	PART
ijosar-727	98	8	enlighten	enlighten	VERB
ijosar-727	98	9	the	the	DET
ijosar-727	98	10	list	list	NOUN
ijosar-727	98	11	of	of	ADP
ijosar-727	98	12	merger	merger	NOUN
ijosar-727	98	13	and	and	CCONJ
ijosar-727	98	14	amalgamation	amalgamation	NOUN
ijosar-727	98	15	of	of	ADP
ijosar-727	98	16	banks	bank	NOUN
ijosar-727	98	17			VERB
ijosar-727	98	18	need	need	VERB
ijosar-727	98	19	for	for	ADP
ijosar-727	98	20	merger	merger	NOUN
ijosar-727	98	21			VERB
ijosar-727	98	22	advantages	advantage	NOUN
ijosar-727	98	23	and	and	CCONJ
ijosar-727	98	24	disadvantages	disadvantage	NOUN
ijosar-727	98	25	by	by	ADP
ijosar-727	98	26	merging	merge	VERB
ijosar-727	98	27	of	of	ADP
ijosar-727	98	28	banks	bank	NOUN
ijosar-727	98	29			VERB
ijosar-727	98	30	issues	issue	NOUN
ijosar-727	98	31	faced	face	VERB
ijosar-727	98	32	by	by	ADP
ijosar-727	98	33	mergers	merger	NOUN
ijosar-727	98	34	need	need	VERB
ijosar-727	98	35	for	for	ADP
ijosar-727	98	36	the	the	DET
ijosar-727	98	37	study	study	NOUN
ijosar-727	98	38	:	:	PUNCT
ijosar-727	98	39	pointing	point	VERB
ijosar-727	98	40	out	out	ADP
ijosar-727	98	41	the	the	DET
ijosar-727	98	42	absence	absence	NOUN
ijosar-727	98	43	of	of	ADP
ijosar-727	98	44	clear	clear	ADJ
ijosar-727	98	45	research	research	NOUN
ijosar-727	98	46	on	on	ADP
ijosar-727	98	47	the	the	DET
ijosar-727	98	48	issue	issue	NOUN
ijosar-727	98	49	,	,	PUNCT
ijosar-727	98	50	it	it	PRON
ijosar-727	98	51	is	be	AUX
ijosar-727	98	52	also	also	ADV
ijosar-727	98	53	emphasised	emphasise	VERB
ijosar-727	98	54	the	the	DET
ijosar-727	98	55	need	need	NOUN
ijosar-727	98	56	for	for	ADP
ijosar-727	98	57	such	such	ADJ
ijosar-727	98	58	research	research	NOUN
ijosar-727	98	59	to	to	PART
ijosar-727	98	60	determine	determine	VERB
ijosar-727	98	61	the	the	DET
ijosar-727	98	62	soundness	soundness	NOUN
ijosar-727	98	63	of	of	ADP
ijosar-727	98	64	banks	bank	NOUN
ijosar-727	98	65	due	due	ADJ
ijosar-727	98	66	to	to	ADP
ijosar-727	98	67	merger	merger	NOUN
ijosar-727	98	68	.	.	PUNCT
ijosar-727	99	1	methodology	methodology	NOUN
ijosar-727	99	2	:	:	PUNCT
ijosar-727	100	1	data	datum	NOUN
ijosar-727	100	2	and	and	CCONJ
ijosar-727	100	3	information	information	NOUN
ijosar-727	100	4	is	be	AUX
ijosar-727	100	5	collected	collect	VERB
ijosar-727	100	6	from	from	ADP
ijosar-727	100	7	various	various	ADJ
ijosar-727	100	8	reports	report	NOUN
ijosar-727	100	9	like	like	ADP
ijosar-727	100	10	annual	annual	ADJ
ijosar-727	100	11	accounts	account	NOUN
ijosar-727	100	12	of	of	ADP
ijosar-727	100	13	reserve	reserve	PROPN
ijosar-727	100	14	bank	bank	PROPN
ijosar-727	100	15	of	of	ADP
ijosar-727	100	16	india	india	PROPN
ijosar-727	100	17	,	,	PUNCT
ijosar-727	100	18	trends	trend	NOUN
ijosar-727	100	19	and	and	CCONJ
ijosar-727	100	20	progress	progress	NOUN
ijosar-727	100	21	of	of	ADP
ijosar-727	100	22	rbi	rbi	NOUN
ijosar-727	100	23	,	,	PUNCT
ijosar-727	100	24	data	datum	NOUN
ijosar-727	100	25	from	from	ADP
ijosar-727	100	26	iba	iba	PROPN
ijosar-727	100	27	,	,	PUNCT
ijosar-727	100	28	scheduled	schedule	VERB
ijosar-727	100	29	commercial	commercial	ADJ
ijosar-727	100	30	banks	bank	NOUN
ijosar-727	100	31	(	(	PUNCT
ijosar-727	100	32	scbs	scbs	PROPN
ijosar-727	100	33	)	)	PUNCT
ijosar-727	100	34	ijointernational	ijointernational	ADJ
ijosar-727	100	35	journal	journal	NOUN
ijosar-727	100	36	of	of	ADP
ijosar-727	100	37	social	social	ADJ
ijosar-727	100	38	science	science	NOUN
ijosar-727	100	39	and	and	CCONJ
ijosar-727	100	40	humanities	humanity	NOUN
ijosar-727	100	41	research	research	NOUN
ijosar-727	100	42	(	(	PUNCT
ijosar-727	100	43	issn	issn	PROPN
ijosar-727	100	44	2811	2811	NUM
ijosar-727	100	45	-	-	SYM
ijosar-727	100	46	2466	2466	NUM
ijosar-727	100	47	)	)	PUNCT
ijosar-727	100	48	volume	volume	NOUN
ijosar-727	100	49	06	06	NUM
ijosar-727	101	1	|	|	ADV
ijosar-727	101	2	issue	issue	NOUN
ijosar-727	101	3	09	09	NUM
ijosar-727	101	4	|	|	ADV
ijosar-727	101	5	september	september	PROPN
ijosar-727	101	6	2023	2023	NUM
ijosar-727	101	7	|	|	NOUN
ijosar-727	101	8	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	101	9	2	2	NUM
ijosar-727	101	10	review	review	NOUN
ijosar-727	101	11	of	of	ADP
ijosar-727	101	12	literature	literature	NOUN
ijosar-727	101	13	:	:	PUNCT
ijosar-727	101	14	regarding	regard	VERB
ijosar-727	101	15	consolidation	consolidation	NOUN
ijosar-727	101	16	in	in	ADP
ijosar-727	101	17	the	the	DET
ijosar-727	101	18	financial	financial	ADJ
ijosar-727	101	19	sector	sector	NOUN
ijosar-727	101	20	in	in	ADP
ijosar-727	101	21	emerging	emerge	VERB
ijosar-727	101	22	economies	economy	NOUN
ijosar-727	101	23	,	,	PUNCT
ijosar-727	101	24	the	the	DET
ijosar-727	101	25	imf	imf	PROPN
ijosar-727	101	26	(	(	PUNCT
ijosar-727	101	27	2001	2001	NUM
ijosar-727	101	28	)	)	PUNCT
ijosar-727	101	29	suggested	suggest	VERB
ijosar-727	101	30	that	that	SCONJ
ijosar-727	101	31	consolidation	consolidation	NOUN
ijosar-727	101	32	facilitated	facilitate	VERB
ijosar-727	101	33	relatively	relatively	ADV
ijosar-727	101	34	small	small	ADJ
ijosar-727	101	35	-	-	PUNCT
ijosar-727	101	36	sized	sized	ADJ
ijosar-727	101	37	banks	bank	NOUN
ijosar-727	101	38	to	to	PART
ijosar-727	101	39	expand	expand	VERB
ijosar-727	101	40	activities	activity	NOUN
ijosar-727	101	41	,	,	PUNCT
ijosar-727	101	42	and	and	CCONJ
ijosar-727	101	43	thus	thus	ADV
ijosar-727	101	44	,	,	PUNCT
ijosar-727	101	45	helped	help	VERB
ijosar-727	101	46	to	to	PART
ijosar-727	101	47	increase	increase	VERB
ijosar-727	101	48	efficiency	efficiency	NOUN
ijosar-727	101	49	in	in	ADP
ijosar-727	101	50	terms	term	NOUN
ijosar-727	101	51	of	of	ADP
ijosar-727	101	52	cost	cost	NOUN
ijosar-727	101	53	and	and	CCONJ
ijosar-727	101	54	revenue	revenue	NOUN
ijosar-727	101	55	.	.	PUNCT
ijosar-727	102	1	it	it	PRON
ijosar-727	102	2	,	,	PUNCT
ijosar-727	102	3	however	however	ADV
ijosar-727	102	4	,	,	PUNCT
ijosar-727	102	5	suggested	suggest	VERB
ijosar-727	102	6	that	that	SCONJ
ijosar-727	102	7	the	the	DET
ijosar-727	102	8	consolidation	consolidation	NOUN
ijosar-727	102	9	of	of	ADP
ijosar-727	102	10	financial	financial	ADJ
ijosar-727	102	11	institutions	institution	NOUN
ijosar-727	102	12	added	add	VERB
ijosar-727	102	13	new	new	ADJ
ijosar-727	102	14	dimensions	dimension	NOUN
ijosar-727	102	15	in	in	ADP
ijosar-727	102	16	their	their	PRON
ijosar-727	102	17	regulation	regulation	NOUN
ijosar-727	102	18	and	and	CCONJ
ijosar-727	102	19	supervision	supervision	NOUN
ijosar-727	102	20	.	.	PUNCT
ijosar-727	103	1	public	public	ADJ
ijosar-727	103	2	policy	policy	NOUN
ijosar-727	103	3	and	and	CCONJ
ijosar-727	103	4	also	also	ADV
ijosar-727	103	5	theoretical	theoretical	ADJ
ijosar-727	103	6	views	view	NOUN
ijosar-727	103	7	on	on	ADP
ijosar-727	103	8	the	the	DET
ijosar-727	103	9	link	link	NOUN
ijosar-727	103	10	between	between	ADP
ijosar-727	103	11	consolidation	consolidation	NOUN
ijosar-727	103	12	and	and	CCONJ
ijosar-727	103	13	fragility	fragility	NOUN
ijosar-727	103	14	in	in	ADP
ijosar-727	103	15	the	the	DET
ijosar-727	103	16	banking	banking	NOUN
ijosar-727	103	17	system	system	NOUN
ijosar-727	103	18	are	be	AUX
ijosar-727	103	19	not	not	PART
ijosar-727	103	20	uniform	uniform	ADJ
ijosar-727	103	21	(	(	PUNCT
ijosar-727	103	22	beck	beck	PROPN
ijosar-727	103	23	et	et	PROPN
ijosar-727	103	24	al	al	PROPN
ijosar-727	103	25	.	.	PROPN
ijosar-727	103	26	,	,	PUNCT
ijosar-727	103	27	2005	2005	NUM
ijosar-727	103	28	)	)	PUNCT
ijosar-727	103	29	.	.	PUNCT
ijosar-727	104	1	the	the	DET
ijosar-727	104	2	oecd	oecd	PROPN
ijosar-727	104	3	(	(	PUNCT
ijosar-727	104	4	2010	2010	NUM
ijosar-727	104	5	)	)	PUNCT
ijosar-727	104	6	presented	present	VERB
ijosar-727	104	7	a	a	DET
ijosar-727	104	8	rich	rich	ADJ
ijosar-727	104	9	review	review	NOUN
ijosar-727	104	10	of	of	ADP
ijosar-727	104	11	analytical	analytical	ADJ
ijosar-727	104	12	findings	finding	NOUN
ijosar-727	104	13	on	on	ADP
ijosar-727	104	14	the	the	DET
ijosar-727	104	15	impact	impact	NOUN
ijosar-727	104	16	of	of	ADP
ijosar-727	104	17	concentration	concentration	NOUN
ijosar-727	104	18	on	on	ADP
ijosar-727	104	19	banking	banking	NOUN
ijosar-727	104	20	system	system	NOUN
ijosar-727	104	21	stability	stability	NOUN
ijosar-727	104	22	.	.	PUNCT
ijosar-727	105	1	theoretical	theoretical	ADJ
ijosar-727	105	2	findings	finding	NOUN
ijosar-727	105	3	in	in	ADP
ijosar-727	105	4	the	the	DET
ijosar-727	105	5	report	report	NOUN
ijosar-727	105	6	suggested	suggest	VERB
ijosar-727	105	7	banking	banking	NOUN
ijosar-727	105	8	systems	system	NOUN
ijosar-727	105	9	with	with	ADP
ijosar-727	105	10	a	a	DET
ijosar-727	105	11	high	high	ADJ
ijosar-727	105	12	degree	degree	NOUN
ijosar-727	105	13	of	of	ADP
ijosar-727	105	14	concentration	concentration	NOUN
ijosar-727	105	15	as	as	ADP
ijosar-727	105	16	being	be	AUX
ijosar-727	105	17	profit	profit	NOUN
ijosar-727	105	18	worthy	worthy	ADJ
ijosar-727	105	19	and	and	CCONJ
ijosar-727	105	20	less	less	ADJ
ijosar-727	105	21	risk	risk	NOUN
ijosar-727	105	22	prone	prone	ADJ
ijosar-727	105	23	.	.	PUNCT
ijosar-727	106	1	the	the	DET
ijosar-727	106	2	report	report	NOUN
ijosar-727	106	3	also	also	ADV
ijosar-727	106	4	stated	state	VERB
ijosar-727	106	5	that	that	SCONJ
ijosar-727	106	6	banks	bank	NOUN
ijosar-727	106	7	were	be	AUX
ijosar-727	106	8	well	well	ADV
ijosar-727	106	9	-	-	PUNCT
ijosar-727	106	10	protected	protect	VERB
ijosar-727	106	11	from	from	ADP
ijosar-727	106	12	concentration	concentration	NOUN
ijosar-727	106	13	risk	risk	NOUN
ijosar-727	106	14	due	due	ADP
ijosar-727	106	15	to	to	ADP
ijosar-727	106	16	more	more	ADJ
ijosar-727	106	17	diversification	diversification	NOUN
ijosar-727	106	18	through	through	ADP
ijosar-727	106	19	a	a	DET
ijosar-727	106	20	geographical	geographical	ADJ
ijosar-727	106	21	spread	spread	NOUN
ijosar-727	106	22	and	and	CCONJ
ijosar-727	106	23	a	a	DET
ijosar-727	106	24	higher	high	ADJ
ijosar-727	106	25	range	range	NOUN
ijosar-727	106	26	of	of	ADP
ijosar-727	106	27	products	product	NOUN
ijosar-727	106	28	.	.	PUNCT
ijosar-727	107	1	the	the	DET
ijosar-727	107	2	larger	large	ADJ
ijosar-727	107	3	size	size	NOUN
ijosar-727	107	4	also	also	ADV
ijosar-727	107	5	helped	help	VERB
ijosar-727	107	6	the	the	DET
ijosar-727	107	7	banks	bank	NOUN
ijosar-727	107	8	in	in	ADP
ijosar-727	107	9	a	a	DET
ijosar-727	107	10	system	system	NOUN
ijosar-727	107	11	with	with	ADP
ijosar-727	107	12	a	a	DET
ijosar-727	107	13	high	high	ADJ
ijosar-727	107	14	degree	degree	NOUN
ijosar-727	107	15	of	of	ADP
ijosar-727	107	16	concentration	concentration	NOUN
ijosar-727	107	17	on	on	ADP
ijosar-727	107	18	the	the	DET
ijosar-727	107	19	deployment	deployment	NOUN
ijosar-727	107	20	of	of	ADP
ijosar-727	107	21	advanced	advanced	ADJ
ijosar-727	107	22	risk	risk	NOUN
ijosar-727	107	23	management	management	NOUN
ijosar-727	107	24	tools	tool	NOUN
ijosar-727	107	25	.	.	PUNCT
ijosar-727	108	1	on	on	ADP
ijosar-727	108	2	the	the	DET
ijosar-727	108	3	other	other	ADJ
ijosar-727	108	4	hand	hand	NOUN
ijosar-727	108	5	,	,	PUNCT
ijosar-727	108	6	high	high	ADJ
ijosar-727	108	7	market	market	NOUN
ijosar-727	108	8	power	power	NOUN
ijosar-727	108	9	might	might	AUX
ijosar-727	108	10	increase	increase	VERB
ijosar-727	108	11	portfolio	portfolio	NOUN
ijosar-727	108	12	risk	risk	NOUN
ijosar-727	108	13	on	on	ADP
ijosar-727	108	14	account	account	NOUN
ijosar-727	108	15	of	of	ADP
ijosar-727	108	16	higher	high	ADJ
ijosar-727	108	17	lending	lending	NOUN
ijosar-727	108	18	rate	rate	NOUN
ijosar-727	108	19	,	,	PUNCT
ijosar-727	108	20	tempting	tempt	VERB
ijosar-727	108	21	towards	towards	ADP
ijosar-727	108	22	riskier	risky	ADJ
ijosar-727	108	23	assets	asset	NOUN
ijosar-727	108	24	and	and	CCONJ
ijosar-727	108	25	implicit	implicit	ADJ
ijosar-727	108	26	guarantee	guarantee	NOUN
ijosar-727	108	27	for	for	ADP
ijosar-727	108	28	too	too	ADV
ijosar-727	108	29	-	-	PUNCT
ijosar-727	108	30	big	big	ADJ
ijosar-727	108	31	-	-	PUNCT
ijosar-727	108	32	to	to	ADP
ijosar-727	108	33	-	-	PUNCT
ijosar-727	108	34	fail	fail	VERB
ijosar-727	108	35	status	status	NOUN
ijosar-727	108	36	.	.	PUNCT
ijosar-727	109	1	moreover	moreover	ADV
ijosar-727	109	2	,	,	PUNCT
ijosar-727	109	3	an	an	DET
ijosar-727	109	4	increase	increase	NOUN
ijosar-727	109	5	in	in	ADP
ijosar-727	109	6	size	size	NOUN
ijosar-727	109	7	could	could	AUX
ijosar-727	109	8	also	also	ADV
ijosar-727	109	9	create	create	VERB
ijosar-727	109	10	issues	issue	NOUN
ijosar-727	109	11	relating	relate	VERB
ijosar-727	109	12	to	to	ADP
ijosar-727	109	13	transparency	transparency	NOUN
ijosar-727	109	14	,	,	PUNCT
ijosar-727	109	15	regulation	regulation	NOUN
ijosar-727	109	16	and	and	CCONJ
ijosar-727	109	17	internal	internal	ADJ
ijosar-727	109	18	control	control	NOUN
ijosar-727	109	19	.	.	PUNCT
ijosar-727	110	1	allen	allen	PROPN
ijosar-727	110	2	and	and	CCONJ
ijosar-727	110	3	gale	gale	PROPN
ijosar-727	110	4	(	(	PUNCT
ijosar-727	110	5	2000	2000	NUM
ijosar-727	110	6	)	)	PUNCT
ijosar-727	110	7	,	,	PUNCT
ijosar-727	110	8	boyd	boyd	PROPN
ijosar-727	110	9	et	et	PROPN
ijosar-727	110	10	al	al	PROPN
ijosar-727	110	11	.	.	PROPN
ijosar-727	111	1	(	(	PUNCT
ijosar-727	111	2	2004	2004	NUM
ijosar-727	111	3	)	)	PUNCT
ijosar-727	111	4	,	,	PUNCT
ijosar-727	111	5	boot	boot	NOUN
ijosar-727	111	6	and	and	CCONJ
ijosar-727	111	7	thakor	thakor	NOUN
ijosar-727	111	8	(	(	PUNCT
ijosar-727	111	9	2000	2000	NUM
ijosar-727	111	10	)	)	PUNCT
ijosar-727	111	11	,	,	PUNCT
ijosar-727	111	12	boyd	boyd	NOUN
ijosar-727	111	13	and	and	CCONJ
ijosar-727	111	14	prescott	prescott	PROPN
ijosar-727	111	15	(	(	PUNCT
ijosar-727	111	16	1986	1986	NUM
ijosar-727	111	17	)	)	PUNCT
ijosar-727	111	18	and	and	CCONJ
ijosar-727	111	19	méon	méon	PROPN
ijosar-727	111	20	and	and	CCONJ
ijosar-727	111	21	weill	weill	PROPN
ijosar-727	111	22	(	(	PUNCT
ijosar-727	111	23	2005	2005	NUM
ijosar-727	111	24	)	)	PUNCT
ijosar-727	111	25	found	find	VERB
ijosar-727	111	26	that	that	PRON
ijosar-727	111	27	increase	increase	NOUN
ijosar-727	111	28	in	in	ADP
ijosar-727	111	29	concentration	concentration	NOUN
ijosar-727	111	30	had	have	VERB
ijosar-727	111	31	a	a	DET
ijosar-727	111	32	favurable	favurable	ADJ
ijosar-727	111	33	impact	impact	NOUN
ijosar-727	111	34	on	on	ADP
ijosar-727	111	35	soundness	soundness	NOUN
ijosar-727	111	36	at	at	ADP
ijosar-727	111	37	an	an	DET
ijosar-727	111	38	individual	individual	NOUN
ijosar-727	111	39	as	as	ADV
ijosar-727	111	40	well	well	ADV
ijosar-727	111	41	as	as	ADP
ijosar-727	111	42	systemic	systemic	ADJ
ijosar-727	111	43	level	level	NOUN
ijosar-727	111	44	(	(	PUNCT
ijosar-727	111	45	oecd	oecd	PROPN
ijosar-727	111	46	,	,	PUNCT
ijosar-727	111	47	2010	2010	NUM
ijosar-727	111	48	)	)	PUNCT
ijosar-727	111	49	.	.	PUNCT
ijosar-727	112	1	a	a	DET
ijosar-727	112	2	banking	banking	NOUN
ijosar-727	112	3	system	system	NOUN
ijosar-727	112	4	with	with	ADP
ijosar-727	112	5	higher	high	ADJ
ijosar-727	112	6	concentration	concentration	NOUN
ijosar-727	112	7	could	could	AUX
ijosar-727	112	8	also	also	ADV
ijosar-727	112	9	face	face	VERB
ijosar-727	112	10	the	the	DET
ijosar-727	112	11	risk	risk	NOUN
ijosar-727	112	12	of	of	ADP
ijosar-727	112	13	contagion	contagion	NOUN
ijosar-727	112	14	(	(	PUNCT
ijosar-727	112	15	beck	beck	NOUN
ijosar-727	112	16	,	,	PUNCT
ijosar-727	112	17	2008	2008	NUM
ijosar-727	112	18	)	)	PUNCT
ijosar-727	112	19	.	.	PUNCT
ijosar-727	113	1	some	some	PRON
ijosar-727	113	2	of	of	ADP
ijosar-727	113	3	the	the	DET
ijosar-727	113	4	views	view	NOUN
ijosar-727	113	5	claimed	claim	VERB
ijosar-727	113	6	that	that	SCONJ
ijosar-727	113	7	stability	stability	NOUN
ijosar-727	113	8	was	be	AUX
ijosar-727	113	9	more	more	ADJ
ijosar-727	113	10	in	in	ADP
ijosar-727	113	11	a	a	DET
ijosar-727	113	12	banking	banking	NOUN
ijosar-727	113	13	system	system	NOUN
ijosar-727	113	14	with	with	ADP
ijosar-727	113	15	higher	high	ADJ
ijosar-727	113	16	concentration	concentration	NOUN
ijosar-727	113	17	,	,	PUNCT
ijosar-727	113	18	as	as	SCONJ
ijosar-727	113	19	banks	bank	NOUN
ijosar-727	113	20	in	in	ADP
ijosar-727	113	21	a	a	DET
ijosar-727	113	22	competitive	competitive	ADJ
ijosar-727	113	23	environment	environment	NOUN
ijosar-727	113	24	might	might	AUX
ijosar-727	113	25	take	take	VERB
ijosar-727	113	26	undue	undue	ADJ
ijosar-727	113	27	risks	risk	NOUN
ijosar-727	113	28	due	due	ADJ
ijosar-727	113	29	to	to	ADP
ijosar-727	113	30	excessive	excessive	ADJ
ijosar-727	113	31	pressure	pressure	NOUN
ijosar-727	113	32	on	on	ADP
ijosar-727	113	33	profits	profit	NOUN
ijosar-727	113	34	that	that	PRON
ijosar-727	113	35	could	could	AUX
ijosar-727	113	36	cause	cause	VERB
ijosar-727	113	37	fragility	fragility	NOUN
ijosar-727	113	38	concern	concern	NOUN
ijosar-727	113	39	in	in	ADP
ijosar-727	113	40	the	the	DET
ijosar-727	113	41	system	system	NOUN
ijosar-727	113	42	,	,	PUNCT
ijosar-727	113	43	while	while	SCONJ
ijosar-727	113	44	banking	banking	NOUN
ijosar-727	113	45	system	system	NOUN
ijosar-727	113	46	with	with	ADP
ijosar-727	113	47	a	a	DET
ijosar-727	113	48	high	high	ADJ
ijosar-727	113	49	degree	degree	NOUN
ijosar-727	113	50	of	of	ADP
ijosar-727	113	51	concentration	concentration	NOUN
ijosar-727	113	52	due	due	ADP
ijosar-727	113	53	to	to	ADP
ijosar-727	113	54	a	a	DET
ijosar-727	113	55	smaller	small	ADJ
ijosar-727	113	56	number	number	NOUN
ijosar-727	113	57	of	of	ADP
ijosar-727	113	58	banks	bank	NOUN
ijosar-727	113	59	facilitated	facilitate	VERB
ijosar-727	113	60	better	well	ADJ
ijosar-727	113	61	portfolio	portfolio	NOUN
ijosar-727	113	62	diversification	diversification	NOUN
ijosar-727	113	63	and	and	CCONJ
ijosar-727	113	64	lesser	less	ADJ
ijosar-727	113	65	burden	burden	NOUN
ijosar-727	113	66	on	on	ADP
ijosar-727	113	67	the	the	DET
ijosar-727	113	68	supervisor	supervisor	NOUN
ijosar-727	113	69	(	(	PUNCT
ijosar-727	113	70	beck	beck	NOUN
ijosar-727	113	71	,	,	PUNCT
ijosar-727	113	72	2008	2008	NUM
ijosar-727	113	73	)	)	PUNCT
ijosar-727	113	74	.	.	PUNCT
ijosar-727	114	1	some	some	DET
ijosar-727	114	2	other	other	ADJ
ijosar-727	114	3	views	view	NOUN
ijosar-727	114	4	,	,	PUNCT
ijosar-727	114	5	however	however	ADV
ijosar-727	114	6	,	,	PUNCT
ijosar-727	114	7	suggested	suggest	VERB
ijosar-727	114	8	that	that	SCONJ
ijosar-727	114	9	policymakers	policymaker	NOUN
ijosar-727	114	10	were	be	AUX
ijosar-727	114	11	likely	likely	ADJ
ijosar-727	114	12	to	to	PART
ijosar-727	114	13	focus	focus	VERB
ijosar-727	114	14	more	more	ADV
ijosar-727	114	15	on	on	ADP
ijosar-727	114	16	bank	bank	NOUN
ijosar-727	114	17	failures	failure	NOUN
ijosar-727	114	18	in	in	ADP
ijosar-727	114	19	a	a	DET
ijosar-727	114	20	banking	banking	NOUN
ijosar-727	114	21	system	system	NOUN
ijosar-727	114	22	with	with	ADP
ijosar-727	114	23	a	a	DET
ijosar-727	114	24	lesser	less	ADJ
ijosar-727	114	25	number	number	NOUN
ijosar-727	114	26	of	of	ADP
ijosar-727	114	27	banks	bank	NOUN
ijosar-727	114	28	and	and	CCONJ
ijosar-727	114	29	hence	hence	ADV
ijosar-727	114	30	would	would	AUX
ijosar-727	114	31	give	give	VERB
ijosar-727	114	32	higher	high	ADJ
ijosar-727	114	33	subsidies	subsidy	NOUN
ijosar-727	114	34	due	due	ADJ
ijosar-727	114	35	to	to	ADP
ijosar-727	114	36	‘	'	PUNCT
ijosar-727	114	37	too	too	ADV
ijosar-727	114	38	big/	big/	NOUN
ijosar-727	114	39	important	important	ADJ
ijosar-727	114	40	to	to	PART
ijosar-727	114	41	fail	fail	VERB
ijosar-727	114	42	’	'	PUNCT
ijosar-727	114	43	policy	policy	NOUN
ijosar-727	114	44	which	which	PRON
ijosar-727	114	45	would	would	AUX
ijosar-727	114	46	tempt	tempt	VERB
ijosar-727	114	47	the	the	DET
ijosar-727	114	48	banks	bank	NOUN
ijosar-727	114	49	to	to	PART
ijosar-727	114	50	take	take	VERB
ijosar-727	114	51	higher	high	ADJ
ijosar-727	114	52	risks	risk	NOUN
ijosar-727	114	53	that	that	PRON
ijosar-727	114	54	might	might	AUX
ijosar-727	114	55	eventually	eventually	ADV
ijosar-727	114	56	result	result	VERB
ijosar-727	114	57	in	in	ADP
ijosar-727	114	58	fragility	fragility	NOUN
ijosar-727	114	59	in	in	ADP
ijosar-727	114	60	the	the	DET
ijosar-727	114	61	system	system	NOUN
ijosar-727	114	62	(	(	PUNCT
ijosar-727	114	63	mishkin,1999	mishkin,1999	NOUN
ijosar-727	114	64	)	)	PUNCT
ijosar-727	114	65	.	.	PUNCT
ijosar-727	115	1	ijointernational	ijointernational	ADJ
ijosar-727	115	2	journal	journal	NOUN
ijosar-727	115	3	of	of	ADP
ijosar-727	115	4	social	social	ADJ
ijosar-727	115	5	science	science	NOUN
ijosar-727	115	6	and	and	CCONJ
ijosar-727	115	7	humanities	humanity	NOUN
ijosar-727	115	8	research	research	NOUN
ijosar-727	115	9	(	(	PUNCT
ijosar-727	115	10	issn	issn	PROPN
ijosar-727	115	11	2811	2811	NUM
ijosar-727	115	12	-	-	SYM
ijosar-727	115	13	2466	2466	NUM
ijosar-727	115	14	)	)	PUNCT
ijosar-727	115	15	volume	volume	NOUN
ijosar-727	115	16	06	06	NUM
ijosar-727	116	1	|	|	ADV
ijosar-727	116	2	issue	issue	NOUN
ijosar-727	116	3	09	09	NUM
ijosar-727	116	4	|	|	ADV
ijosar-727	116	5	september	september	PROPN
ijosar-727	116	6	2023	2023	NUM
ijosar-727	116	7	|	|	NOUN
ijosar-727	116	8	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	116	9	3	3	NUM
ijosar-727	116	10	talwar	talwar	PROPN
ijosar-727	116	11	(	(	PUNCT
ijosar-727	116	12	2001	2001	NUM
ijosar-727	116	13	)	)	PUNCT
ijosar-727	116	14	did	do	AUX
ijosar-727	116	15	not	not	PART
ijosar-727	116	16	find	find	VERB
ijosar-727	116	17	a	a	DET
ijosar-727	116	18	significant	significant	ADJ
ijosar-727	116	19	impact	impact	NOUN
ijosar-727	116	20	of	of	ADP
ijosar-727	116	21	consolidation	consolidation	NOUN
ijosar-727	116	22	on	on	ADP
ijosar-727	116	23	the	the	DET
ijosar-727	116	24	banking	banking	NOUN
ijosar-727	116	25	system	system	NOUN
ijosar-727	116	26	,	,	PUNCT
ijosar-727	116	27	possibly	possibly	ADV
ijosar-727	116	28	because	because	SCONJ
ijosar-727	116	29	there	there	PRON
ijosar-727	116	30	were	be	VERB
ijosar-727	116	31	fewer	few	ADJ
ijosar-727	116	32	instances	instance	NOUN
ijosar-727	116	33	of	of	ADP
ijosar-727	116	34	consolidation	consolidation	NOUN
ijosar-727	116	35	in	in	ADP
ijosar-727	116	36	the	the	DET
ijosar-727	116	37	2000s	2000s	NUM
ijosar-727	116	38	.	.	PUNCT
ijosar-727	117	1	bhattacharya	bhattacharya	PROPN
ijosar-727	117	2	and	and	CCONJ
ijosar-727	117	3	das	das	PROPN
ijosar-727	117	4	(	(	PUNCT
ijosar-727	117	5	2003	2003	NUM
ijosar-727	117	6	)	)	PUNCT
ijosar-727	117	7	also	also	ADV
ijosar-727	117	8	found	find	VERB
ijosar-727	117	9	that	that	SCONJ
ijosar-727	117	10	in	in	ADP
ijosar-727	117	11	spite	spite	NOUN
ijosar-727	117	12	of	of	ADP
ijosar-727	117	13	some	some	DET
ijosar-727	117	14	mergers	merger	NOUN
ijosar-727	117	15	in	in	ADP
ijosar-727	117	16	the	the	DET
ijosar-727	117	17	late	late	ADJ
ijosar-727	117	18	1990s	1990	NOUN
ijosar-727	117	19	,	,	PUNCT
ijosar-727	117	20	the	the	DET
ijosar-727	117	21	impact	impact	NOUN
ijosar-727	117	22	on	on	ADP
ijosar-727	117	23	concentration	concentration	NOUN
ijosar-727	117	24	in	in	ADP
ijosar-727	117	25	banking	banking	NOUN
ijosar-727	117	26	was	be	AUX
ijosar-727	117	27	not	not	PART
ijosar-727	117	28	significant	significant	ADJ
ijosar-727	117	29	.	.	PUNCT
ijosar-727	118	1	regarding	regard	VERB
ijosar-727	118	2	competition	competition	NOUN
ijosar-727	118	3	in	in	ADP
ijosar-727	118	4	the	the	DET
ijosar-727	118	5	indian	indian	ADJ
ijosar-727	118	6	banking	banking	NOUN
ijosar-727	118	7	system	system	NOUN
ijosar-727	118	8	,	,	PUNCT
ijosar-727	118	9	prasad	prasad	PROPN
ijosar-727	118	10	and	and	CCONJ
ijosar-727	118	11	ghosh	ghosh	PROPN
ijosar-727	118	12	(	(	PUNCT
ijosar-727	118	13	2005	2005	NUM
ijosar-727	118	14	)	)	PUNCT
ijosar-727	118	15	found	find	VERB
ijosar-727	118	16	it	it	PRON
ijosar-727	118	17	as	as	ADP
ijosar-727	118	18	monopolistic	monopolistic	ADJ
ijosar-727	118	19	for	for	ADP
ijosar-727	118	20	the	the	DET
ijosar-727	118	21	period	period	NOUN
ijosar-727	118	22	1997	1997	NUM
ijosar-727	118	23	-	-	SYM
ijosar-727	118	24	2004	2004	NUM
ijosar-727	118	25	.	.	PUNCT
ijosar-727	119	1	rbi	rbi	NOUN
ijosar-727	119	2	(	(	PUNCT
ijosar-727	119	3	2008	2008	NUM
ijosar-727	119	4	)	)	PUNCT
ijosar-727	119	5	rejected	reject	VERB
ijosar-727	119	6	the	the	DET
ijosar-727	119	7	monopoly	monopoly	NOUN
ijosar-727	119	8	and	and	CCONJ
ijosar-727	119	9	perfect	perfect	ADJ
ijosar-727	119	10	competition	competition	NOUN
ijosar-727	119	11	hypotheses	hypothesis	NOUN
ijosar-727	119	12	and	and	CCONJ
ijosar-727	119	13	favoured	favour	VERB
ijosar-727	119	14	the	the	DET
ijosar-727	119	15	view	view	NOUN
ijosar-727	119	16	that	that	SCONJ
ijosar-727	119	17	revenue	revenue	NOUN
ijosar-727	119	18	generation	generation	NOUN
ijosar-727	119	19	by	by	ADP
ijosar-727	119	20	indian	indian	ADJ
ijosar-727	119	21	banks	bank	NOUN
ijosar-727	119	22	happened	happen	VERB
ijosar-727	119	23	under	under	ADP
ijosar-727	119	24	monopolistic	monopolistic	ADJ
ijosar-727	119	25	competition	competition	NOUN
ijosar-727	119	26	,	,	PUNCT
ijosar-727	119	27	where	where	SCONJ
ijosar-727	119	28	the	the	DET
ijosar-727	119	29	period	period	NOUN
ijosar-727	119	30	covered	cover	VERB
ijosar-727	119	31	was	be	AUX
ijosar-727	119	32	from	from	ADP
ijosar-727	119	33	1990	1990	NUM
ijosar-727	119	34	to	to	ADP
ijosar-727	119	35	2007	2007	NUM
ijosar-727	119	36	.	.	PUNCT
ijosar-727	120	1	misra	misra	PROPN
ijosar-727	120	2	(	(	PUNCT
ijosar-727	120	3	2011	2011	NUM
ijosar-727	120	4	)	)	PUNCT
ijosar-727	120	5	found	find	VERB
ijosar-727	120	6	monopolistic	monopolistic	ADJ
ijosar-727	120	7	competition	competition	NOUN
ijosar-727	120	8	for	for	ADP
ijosar-727	120	9	the	the	DET
ijosar-727	120	10	indian	indian	ADJ
ijosar-727	120	11	banking	banking	NOUN
ijosar-727	120	12	system	system	NOUN
ijosar-727	120	13	in	in	ADP
ijosar-727	120	14	his	his	PRON
ijosar-727	120	15	study	study	NOUN
ijosar-727	120	16	that	that	PRON
ijosar-727	120	17	covered	cover	VERB
ijosar-727	120	18	the	the	DET
ijosar-727	120	19	period	period	NOUN
ijosar-727	120	20	from	from	ADP
ijosar-727	120	21	1997	1997	NUM
ijosar-727	120	22	to	to	ADP
ijosar-727	120	23	2008	2008	NUM
ijosar-727	120	24	.	.	PUNCT
ijosar-727	121	1	it	it	PRON
ijosar-727	121	2	was	be	AUX
ijosar-727	121	3	also	also	ADV
ijosar-727	121	4	indicated	indicate	VERB
ijosar-727	121	5	by	by	ADP
ijosar-727	121	6	subbarao	subbarao	NOUN
ijosar-727	121	7	(	(	PUNCT
ijosar-727	121	8	2013	2013	NUM
ijosar-727	121	9	)	)	PUNCT
ijosar-727	121	10	about	about	ADP
ijosar-727	121	11	a	a	DET
ijosar-727	121	12	monopolistic	monopolistic	ADJ
ijosar-727	121	13	situation	situation	NOUN
ijosar-727	121	14	in	in	ADP
ijosar-727	121	15	view	view	NOUN
ijosar-727	121	16	of	of	ADP
ijosar-727	121	17	significant	significant	ADJ
ijosar-727	121	18	asymmetry	asymmetry	NOUN
ijosar-727	121	19	in	in	ADP
ijosar-727	121	20	the	the	DET
ijosar-727	121	21	size	size	NOUN
ijosar-727	121	22	of	of	ADP
ijosar-727	121	23	banks	bank	NOUN
ijosar-727	121	24	in	in	ADP
ijosar-727	121	25	the	the	DET
ijosar-727	121	26	country	country	NOUN
ijosar-727	121	27	.	.	PUNCT
ijosar-727	122	1	ansari	ansari	PROPN
ijosar-727	122	2	(	(	PUNCT
ijosar-727	122	3	2013	2013	NUM
ijosar-727	122	4	)	)	PUNCT
ijosar-727	122	5	found	find	VERB
ijosar-727	122	6	monopolistic	monopolistic	ADJ
ijosar-727	122	7	competition	competition	NOUN
ijosar-727	122	8	among	among	ADP
ijosar-727	122	9	banks	bank	NOUN
ijosar-727	122	10	in	in	ADP
ijosar-727	122	11	india	india	PROPN
ijosar-727	122	12	for	for	ADP
ijosar-727	122	13	the	the	DET
ijosar-727	122	14	period	period	NOUN
ijosar-727	122	15	1996–2011	1996–2011	NUM
ijosar-727	122	16	based	base	VERB
ijosar-727	122	17	on	on	ADP
ijosar-727	122	18	an	an	DET
ijosar-727	122	19	augmented	augment	VERB
ijosar-727	122	20	boone	boone	PROPN
ijosar-727	122	21	indicator	indicator	NOUN
ijosar-727	122	22	.	.	PUNCT
ijosar-727	123	1	dutta	dutta	PROPN
ijosar-727	123	2	(	(	PUNCT
ijosar-727	123	3	2013	2013	NUM
ijosar-727	123	4	)	)	PUNCT
ijosar-727	123	5	’s	’s	PART
ijosar-727	123	6	study	study	NOUN
ijosar-727	123	7	that	that	PRON
ijosar-727	123	8	covered	cover	VERB
ijosar-727	123	9	the	the	DET
ijosar-727	123	10	period	period	NOUN
ijosar-727	123	11	from	from	ADP
ijosar-727	123	12	1997	1997	NUM
ijosar-727	123	13	-	-	SYM
ijosar-727	123	14	98	98	NUM
ijosar-727	123	15	to	to	ADP
ijosar-727	123	16	2004	2004	NUM
ijosar-727	123	17	-	-	SYM
ijosar-727	123	18	05	05	NUM
ijosar-727	123	19	,	,	PUNCT
ijosar-727	123	20	found	find	VERB
ijosar-727	123	21	improvement	improvement	NOUN
ijosar-727	123	22	in	in	ADP
ijosar-727	123	23	a	a	DET
ijosar-727	123	24	competitive	competitive	ADJ
ijosar-727	123	25	environment	environment	NOUN
ijosar-727	123	26	in	in	ADP
ijosar-727	123	27	the	the	DET
ijosar-727	123	28	banking	banking	NOUN
ijosar-727	123	29	sector	sector	NOUN
ijosar-727	123	30	in	in	ADP
ijosar-727	123	31	india	india	PROPN
ijosar-727	123	32	during	during	ADP
ijosar-727	123	33	post	post	NOUN
ijosar-727	123	34	-	-	NOUN
ijosar-727	123	35	reform	reform	NOUN
ijosar-727	123	36	.	.	PUNCT
ijosar-727	124	1	s	s	VERB
ijosar-727	124	2	arkar	arkar	NOUN
ijosar-727	124	3	and	and	CCONJ
ijosar-727	124	4	sensarma	sensarma	PROPN
ijosar-727	124	5	(	(	PUNCT
ijosar-727	124	6	2016	2016	NUM
ijosar-727	124	7	)	)	PUNCT
ijosar-727	124	8	found	find	VERB
ijosar-727	124	9	monopolistic	monopolistic	ADJ
ijosar-727	124	10	competition	competition	NOUN
ijosar-727	124	11	for	for	ADP
ijosar-727	124	12	the	the	DET
ijosar-727	124	13	period	period	NOUN
ijosar-727	124	14	from	from	ADP
ijosar-727	124	15	1999	1999	NUM
ijosar-727	124	16	-	-	SYM
ijosar-727	124	17	2000	2000	NUM
ijosar-727	124	18	to	to	ADP
ijosar-727	124	19	2012	2012	NUM
ijosar-727	124	20	-	-	SYM
ijosar-727	124	21	13	13	NUM
ijosar-727	124	22	.	.	PUNCT
ijosar-727	125	1	sinha	sinha	NOUN
ijosar-727	125	2	and	and	CCONJ
ijosar-727	125	3	sharma	sharma	PROPN
ijosar-727	125	4	(	(	PUNCT
ijosar-727	125	5	2016	2016	NUM
ijosar-727	125	6	)	)	PUNCT
ijosar-727	125	7	found	find	VERB
ijosar-727	125	8	a	a	DET
ijosar-727	125	9	non	non	ADJ
ijosar-727	125	10	-	-	ADJ
ijosar-727	125	11	linear	linear	ADJ
ijosar-727	125	12	relationship	relationship	NOUN
ijosar-727	125	13	between	between	ADP
ijosar-727	125	14	stability	stability	NOUN
ijosar-727	125	15	index	index	NOUN
ijosar-727	125	16	and	and	CCONJ
ijosar-727	125	17	competition	competition	NOUN
ijosar-727	125	18	for	for	ADP
ijosar-727	125	19	indian	indian	ADJ
ijosar-727	125	20	banks	bank	NOUN
ijosar-727	125	21	based	base	VERB
ijosar-727	125	22	on	on	ADP
ijosar-727	125	23	their	their	PRON
ijosar-727	125	24	study	study	NOUN
ijosar-727	125	25	for	for	ADP
ijosar-727	125	26	the	the	DET
ijosar-727	125	27	period	period	NOUN
ijosar-727	125	28	from	from	ADP
ijosar-727	125	29	2000	2000	NUM
ijosar-727	125	30	to	to	ADP
ijosar-727	125	31	2015	2015	NUM
ijosar-727	125	32	.	.	PUNCT
ijosar-727	126	1	they	they	PRON
ijosar-727	126	2	suggested	suggest	VERB
ijosar-727	126	3	that	that	SCONJ
ijosar-727	126	4	concentration	concentration	NOUN
ijosar-727	126	5	and	and	CCONJ
ijosar-727	126	6	competition	competition	NOUN
ijosar-727	126	7	worked	work	VERB
ijosar-727	126	8	simultaneously	simultaneously	ADV
ijosar-727	126	9	to	to	PART
ijosar-727	126	10	support	support	VERB
ijosar-727	126	11	the	the	DET
ijosar-727	126	12	competition	competition	NOUN
ijosar-727	126	13	-	-	PUNCT
ijosar-727	126	14	fragility	fragility	NOUN
ijosar-727	126	15	view	view	NOUN
ijosar-727	126	16	for	for	ADP
ijosar-727	126	17	indian	indian	ADJ
ijosar-727	126	18	banks	bank	NOUN
ijosar-727	126	19	.	.	PUNCT
ijosar-727	127	1	in	in	ADP
ijosar-727	127	2	their	their	PRON
ijosar-727	127	3	2018	2018	NUM
ijosar-727	127	4	paper	paper	NOUN
ijosar-727	127	5	,	,	PUNCT
ijosar-727	127	6	they	they	PRON
ijosar-727	127	7	found	find	VERB
ijosar-727	127	8	that	that	SCONJ
ijosar-727	127	9	the	the	DET
ijosar-727	127	10	indian	indian	ADJ
ijosar-727	127	11	banking	banking	NOUN
ijosar-727	127	12	market	market	NOUN
ijosar-727	127	13	operated	operate	VERB
ijosar-727	127	14	under	under	ADP
ijosar-727	127	15	monopolistic	monopolistic	ADJ
ijosar-727	127	16	competition	competition	NOUN
ijosar-727	127	17	for	for	ADP
ijosar-727	127	18	the	the	DET
ijosar-727	127	19	period	period	NOUN
ijosar-727	127	20	2000	2000	NUM
ijosar-727	127	21	-	-	SYM
ijosar-727	127	22	2014	2014	NUM
ijosar-727	127	23	but	but	CCONJ
ijosar-727	127	24	observed	observe	VERB
ijosar-727	127	25	a	a	DET
ijosar-727	127	26	decline	decline	NOUN
ijosar-727	127	27	in	in	ADP
ijosar-727	127	28	the	the	DET
ijosar-727	127	29	intensity	intensity	NOUN
ijosar-727	127	30	of	of	ADP
ijosar-727	127	31	competition	competition	NOUN
ijosar-727	127	32	in	in	ADP
ijosar-727	127	33	2008	2008	NUM
ijosar-727	127	34	-	-	SYM
ijosar-727	127	35	14	14	NUM
ijosar-727	127	36	vis	vis	X
ijosar-727	127	37	-	-	PUNCT
ijosar-727	127	38	à	à	X
ijosar-727	127	39	-	-	PUNCT
ijosar-727	127	40	vis	vis	X
ijosar-727	127	41	that	that	PRON
ijosar-727	127	42	in	in	ADP
ijosar-727	127	43	2000	2000	NUM
ijosar-727	127	44	-	-	SYM
ijosar-727	127	45	07	07	NUM
ijosar-727	127	46	(	(	PUNCT
ijosar-727	127	47	sinha	sinha	NOUN
ijosar-727	127	48	and	and	CCONJ
ijosar-727	127	49	sharma	sharma	NOUN
ijosar-727	127	50	,	,	PUNCT
ijosar-727	127	51	2018	2018	NUM
ijosar-727	127	52	)	)	PUNCT
ijosar-727	127	53	.	.	PUNCT
ijosar-727	128	1	kumar	kumar	PROPN
ijosar-727	128	2	and	and	CCONJ
ijosar-727	128	3	gulati	gulati	PROPN
ijosar-727	128	4	(	(	PUNCT
ijosar-727	128	5	2019	2019	NUM
ijosar-727	128	6	)	)	PUNCT
ijosar-727	128	7	also	also	ADV
ijosar-727	128	8	found	find	VERB
ijosar-727	128	9	monopolistic	monopolistic	ADJ
ijosar-727	128	10	competition	competition	NOUN
ijosar-727	128	11	in	in	ADP
ijosar-727	128	12	the	the	DET
ijosar-727	128	13	banking	banking	NOUN
ijosar-727	128	14	sector	sector	NOUN
ijosar-727	128	15	in	in	ADP
ijosar-727	128	16	india	india	PROPN
ijosar-727	128	17	in	in	ADP
ijosar-727	128	18	their	their	PRON
ijosar-727	128	19	study	study	NOUN
ijosar-727	128	20	for	for	ADP
ijosar-727	128	21	the	the	DET
ijosar-727	128	22	period	period	NOUN
ijosar-727	128	23	from	from	ADP
ijosar-727	128	24	1998	1998	NUM
ijosar-727	128	25	-	-	SYM
ijosar-727	128	26	99	99	NUM
ijosar-727	128	27	to	to	PART
ijosar-727	128	28	2015	2015	NUM
ijosar-727	128	29	-	-	SYM
ijosar-727	128	30	16	16	NUM
ijosar-727	128	31	.	.	PUNCT
ijosar-727	129	1	based	base	VERB
ijosar-727	129	2	on	on	ADP
ijosar-727	129	3	the	the	DET
ijosar-727	129	4	risk	risk	NOUN
ijosar-727	129	5	-	-	PUNCT
ijosar-727	129	6	adjusted	adjust	VERB
ijosar-727	129	7	lerner	lerner	PROPN
ijosar-727	129	8	index	index	PROPN
ijosar-727	129	9	,	,	PUNCT
ijosar-727	129	10	arrawatia	arrawatia	PROPN
ijosar-727	129	11	et	et	PROPN
ijosar-727	129	12	al	al	PROPN
ijosar-727	129	13	.	.	PROPN
ijosar-727	130	1	(	(	PUNCT
ijosar-727	130	2	2019	2019	NUM
ijosar-727	130	3	)	)	PUNCT
ijosar-727	130	4	found	find	VERB
ijosar-727	130	5	improvement	improvement	NOUN
ijosar-727	130	6	in	in	ADP
ijosar-727	130	7	competitive	competitive	ADJ
ijosar-727	130	8	condition	condition	NOUN
ijosar-727	130	9	for	for	ADP
ijosar-727	130	10	the	the	DET
ijosar-727	130	11	overall	overall	ADJ
ijosar-727	130	12	period	period	NOUN
ijosar-727	130	13	1996	1996	NUM
ijosar-727	130	14	to	to	ADP
ijosar-727	130	15	2016	2016	NUM
ijosar-727	130	16	in	in	ADP
ijosar-727	130	17	indian	indian	ADJ
ijosar-727	130	18	banking	banking	NOUN
ijosar-727	130	19	.	.	PUNCT
ijosar-727	131	1	rakshit	rakshit	PROPN
ijosar-727	131	2	and	and	CCONJ
ijosar-727	131	3	bardhan	bardhan	ADV
ijosar-727	131	4	(	(	PUNCT
ijosar-727	131	5	2019	2019	NUM
ijosar-727	131	6	)	)	PUNCT
ijosar-727	131	7	found	find	VERB
ijosar-727	131	8	that	that	SCONJ
ijosar-727	131	9	the	the	DET
ijosar-727	131	10	indian	indian	ADJ
ijosar-727	131	11	banking	banking	NOUN
ijosar-727	131	12	system	system	NOUN
ijosar-727	131	13	was	be	AUX
ijosar-727	131	14	competitive	competitive	ADJ
ijosar-727	131	15	in	in	ADP
ijosar-727	131	16	general	general	ADJ
ijosar-727	131	17	in	in	ADP
ijosar-727	131	18	their	their	PRON
ijosar-727	131	19	study	study	NOUN
ijosar-727	131	20	for	for	ADP
ijosar-727	131	21	the	the	DET
ijosar-727	131	22	period	period	NOUN
ijosar-727	131	23	1996	1996	NUM
ijosar-727	131	24	-	-	SYM
ijosar-727	131	25	2016	2016	NUM
ijosar-727	131	26	based	base	VERB
ijosar-727	131	27	on	on	ADP
ijosar-727	131	28	the	the	DET
ijosar-727	131	29	lerner	lerner	PROPN
ijosar-727	131	30	index	index	PROPN
ijosar-727	131	31	,	,	PUNCT
ijosar-727	131	32	adjusted	adjust	VERB
ijosar-727	131	33	lerner	lerner	PROPN
ijosar-727	131	34	index	index	PROPN
ijosar-727	131	35	,	,	PUNCT
ijosar-727	131	36	and	and	CCONJ
ijosar-727	131	37	boone	boone	PROPN
ijosar-727	131	38	indicator	indicator	NOUN
ijosar-727	131	39	.	.	PUNCT
ijosar-727	132	1	li	li	PROPN
ijosar-727	132	2	et	et	PROPN
ijosar-727	132	3	al	al	PROPN
ijosar-727	132	4	.	.	PROPN
ijosar-727	133	1	(	(	PUNCT
ijosar-727	133	2	2019	2019	NUM
ijosar-727	133	3	)	)	PUNCT
ijosar-727	133	4	also	also	ADV
ijosar-727	133	5	found	find	VERB
ijosar-727	133	6	monopolistic	monopolistic	ADJ
ijosar-727	133	7	competition	competition	NOUN
ijosar-727	133	8	for	for	ADP
ijosar-727	133	9	the	the	DET
ijosar-727	133	10	banking	banking	NOUN
ijosar-727	133	11	sector	sector	NOUN
ijosar-727	133	12	in	in	ADP
ijosar-727	133	13	india	india	PROPN
ijosar-727	133	14	in	in	ADP
ijosar-727	133	15	their	their	PRON
ijosar-727	133	16	study	study	NOUN
ijosar-727	133	17	for	for	ADP
ijosar-727	133	18	the	the	PRON
ijosar-727	133	19	for	for	ADP
ijosar-727	133	20	the	the	DET
ijosar-727	133	21	period	period	NOUN
ijosar-727	133	22	2005	2005	NUM
ijosar-727	133	23	to	to	ADP
ijosar-727	133	24	2018	2018	NUM
ijosar-727	133	25	.	.	PUNCT
ijosar-727	134	1	ijointernational	ijointernational	ADJ
ijosar-727	134	2	journal	journal	NOUN
ijosar-727	134	3	of	of	ADP
ijosar-727	134	4	social	social	ADJ
ijosar-727	134	5	science	science	NOUN
ijosar-727	134	6	and	and	CCONJ
ijosar-727	134	7	humanities	humanity	NOUN
ijosar-727	134	8	research	research	NOUN
ijosar-727	134	9	(	(	PUNCT
ijosar-727	134	10	issn	issn	PROPN
ijosar-727	134	11	2811	2811	NUM
ijosar-727	134	12	-	-	SYM
ijosar-727	134	13	2466	2466	NUM
ijosar-727	134	14	)	)	PUNCT
ijosar-727	134	15	volume	volume	NOUN
ijosar-727	134	16	06	06	NUM
ijosar-727	135	1	|	|	ADV
ijosar-727	135	2	issue	issue	NOUN
ijosar-727	135	3	09	09	NUM
ijosar-727	135	4	|	|	ADV
ijosar-727	135	5	september	september	PROPN
ijosar-727	135	6	2023	2023	NUM
ijosar-727	135	7	|	|	NOUN
ijosar-727	135	8	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	135	9	4	4	NUM
ijosar-727	135	10	mergers	merger	NOUN
ijosar-727	135	11	in	in	ADP
ijosar-727	135	12	the	the	DET
ijosar-727	135	13	indian	indian	ADJ
ijosar-727	135	14	banking	banking	NOUN
ijosar-727	135	15	industry	industry	NOUN
ijosar-727	135	16	bank	bank	NOUN
ijosar-727	135	17	mergers	merger	NOUN
ijosar-727	135	18	in	in	ADP
ijosar-727	135	19	india	india	PROPN
ijosar-727	135	20	were	be	AUX
ijosar-727	135	21	government	government	NOUN
ijosar-727	135	22	policy	policy	NOUN
ijosar-727	135	23	driven	drive	VERB
ijosar-727	135	24	during	during	ADP
ijosar-727	135	25	the	the	DET
ijosar-727	135	26	nationalisation	nationalisation	NOUN
ijosar-727	135	27	phase	phase	NOUN
ijosar-727	135	28	(	(	PUNCT
ijosar-727	135	29	1960	1960	NUM
ijosar-727	135	30	to	to	ADP
ijosar-727	135	31	1969	1969	NUM
ijosar-727	135	32	)	)	PUNCT
ijosar-727	135	33	,	,	PUNCT
ijosar-727	135	34	when	when	SCONJ
ijosar-727	135	35	distressed	distressed	ADJ
ijosar-727	135	36	banks	bank	NOUN
ijosar-727	135	37	were	be	AUX
ijosar-727	135	38	consolidated	consolidate	VERB
ijosar-727	135	39	with	with	ADP
ijosar-727	135	40	stronger	strong	ADJ
ijosar-727	135	41	banks	bank	NOUN
ijosar-727	135	42	.	.	PUNCT
ijosar-727	136	1	subsequently	subsequently	ADV
ijosar-727	136	2	,	,	PUNCT
ijosar-727	136	3	however	however	ADV
ijosar-727	136	4	,	,	PUNCT
ijosar-727	136	5	there	there	PRON
ijosar-727	136	6	was	be	VERB
ijosar-727	136	7	a	a	DET
ijosar-727	136	8	relative	relative	ADJ
ijosar-727	136	9	null	null	NOUN
ijosar-727	136	10	in	in	ADP
ijosar-727	136	11	the	the	DET
ijosar-727	136	12	merger	merger	NOUN
ijosar-727	136	13	activity	activity	NOUN
ijosar-727	136	14	till	till	SCONJ
ijosar-727	136	15	the	the	DET
ijosar-727	136	16	economy	economy	NOUN
ijosar-727	136	17	embarked	embark	VERB
ijosar-727	136	18	on	on	ADP
ijosar-727	136	19	the	the	DET
ijosar-727	136	20	liberalisation	liberalisation	NOUN
ijosar-727	136	21	process	process	NOUN
ijosar-727	136	22	(	(	PUNCT
ijosar-727	136	23	table	table	NOUN
ijosar-727	136	24	1	1	NUM
ijosar-727	136	25	)	)	PUNCT
ijosar-727	136	26	.	.	PUNCT
ijosar-727	137	1	the	the	DET
ijosar-727	137	2	intellectual	intellectual	ADJ
ijosar-727	137	3	rationale	rationale	NOUN
ijosar-727	137	4	for	for	ADP
ijosar-727	137	5	bank	bank	NOUN
ijosar-727	137	6	mergers	merger	NOUN
ijosar-727	137	7	in	in	ADP
ijosar-727	137	8	the	the	DET
ijosar-727	137	9	post	post	ADJ
ijosar-727	137	10	-	-	ADJ
ijosar-727	137	11	liberalisation	liberalisation	ADJ
ijosar-727	137	12	period	period	NOUN
ijosar-727	137	13	was	be	AUX
ijosar-727	137	14	provided	provide	VERB
ijosar-727	137	15	by	by	ADP
ijosar-727	137	16	the	the	DET
ijosar-727	137	17	narasimhan	narasimhan	PROPN
ijosar-727	137	18	committee	committee	PROPN
ijosar-727	137	19	reports	report	NOUN
ijosar-727	137	20	(	(	PUNCT
ijosar-727	137	21	1991	1991	NUM
ijosar-727	137	22	,	,	PUNCT
ijosar-727	137	23	1998)—that	1998)—that	NUM
ijosar-727	137	24	recommended	recommend	VERB
ijosar-727	137	25	banking	banking	NOUN
ijosar-727	137	26	consolidation	consolidation	NOUN
ijosar-727	137	27	,	,	PUNCT
ijosar-727	137	28	both	both	CCONJ
ijosar-727	137	29	in	in	ADP
ijosar-727	137	30	the	the	DET
ijosar-727	137	31	public	public	ADJ
ijosar-727	137	32	and	and	CCONJ
ijosar-727	137	33	private	private	ADJ
ijosar-727	137	34	sectors	sector	NOUN
ijosar-727	137	35	and	and	CCONJ
ijosar-727	137	36	even	even	ADV
ijosar-727	137	37	with	with	ADP
ijosar-727	137	38	financial	financial	ADJ
ijosar-727	137	39	institutions	institution	NOUN
ijosar-727	137	40	and	and	CCONJ
ijosar-727	137	41	nbfcs	nbfc	NOUN
ijosar-727	137	42	—	—	PUNCT
ijosar-727	137	43	to	to	PART
ijosar-727	137	44	make	make	VERB
ijosar-727	137	45	them	they	PRON
ijosar-727	137	46	stronger	strong	ADJ
ijosar-727	137	47	and	and	CCONJ
ijosar-727	137	48	more	more	ADV
ijosar-727	137	49	competitive	competitive	ADJ
ijosar-727	137	50	.	.	PUNCT
ijosar-727	138	1	in	in	ADP
ijosar-727	138	2	contrast	contrast	NOUN
ijosar-727	138	3	to	to	ADP
ijosar-727	138	4	the	the	DET
ijosar-727	138	5	nationalisation	nationalisation	NOUN
ijosar-727	138	6	phase	phase	NOUN
ijosar-727	138	7	,	,	PUNCT
ijosar-727	138	8	the	the	DET
ijosar-727	138	9	consolidation	consolidation	NOUN
ijosar-727	138	10	during	during	ADP
ijosar-727	138	11	the	the	DET
ijosar-727	138	12	post	post	ADJ
ijosar-727	138	13	-	-	ADJ
ijosar-727	138	14	liberalisation	liberalisation	ADJ
ijosar-727	138	15	phase	phase	NOUN
ijosar-727	138	16	was	be	AUX
ijosar-727	138	17	primarily	primarily	ADV
ijosar-727	138	18	market	market	NOUN
ijosar-727	138	19	-	-	PUNCT
ijosar-727	138	20	driven	drive	VERB
ijosar-727	138	21	with	with	ADP
ijosar-727	138	22	an	an	DET
ijosar-727	138	23	objective	objective	NOUN
ijosar-727	138	24	to	to	PART
ijosar-727	138	25	enhance	enhance	VERB
ijosar-727	138	26	efficiency	efficiency	NOUN
ijosar-727	138	27	and	and	CCONJ
ijosar-727	138	28	gain	gain	VERB
ijosar-727	138	29	greater	great	ADJ
ijosar-727	138	30	resilience	resilience	NOUN
ijosar-727	138	31	.	.	PUNCT
ijosar-727	139	1	the	the	DET
ijosar-727	139	2	banking	banking	NOUN
ijosar-727	139	3	sector	sector	NOUN
ijosar-727	139	4	made	make	VERB
ijosar-727	139	5	a	a	DET
ijosar-727	139	6	turn	turn	NOUN
ijosar-727	139	7	around	around	ADV
ijosar-727	139	8	in	in	ADP
ijosar-727	139	9	1994	1994	NUM
ijosar-727	139	10	-	-	SYM
ijosar-727	139	11	95	95	NUM
ijosar-727	139	12	with	with	ADP
ijosar-727	139	13	a	a	DET
ijosar-727	139	14	net	net	ADJ
ijosar-727	139	15	profit	profit	NOUN
ijosar-727	139	16	of	of	ADP
ijosar-727	139	17	27	27	NUM
ijosar-727	139	18	psbs	psbs	NOUN
ijosar-727	139	19	after	after	ADP
ijosar-727	139	20	incurring	incur	VERB
ijosar-727	139	21	losses	loss	NOUN
ijosar-727	139	22	in	in	ADP
ijosar-727	139	23	the	the	DET
ijosar-727	139	24	previous	previous	ADJ
ijosar-727	139	25	two	two	NUM
ijosar-727	139	26	financial	financial	ADJ
ijosar-727	139	27	years	year	NOUN
ijosar-727	139	28	(	(	PUNCT
ijosar-727	139	29	talwar	talwar	PROPN
ijosar-727	139	30	,	,	PUNCT
ijosar-727	139	31	1998	1998	NUM
ijosar-727	139	32	)	)	PUNCT
ijosar-727	139	33	.	.	PUNCT
ijosar-727	140	1	moreover	moreover	ADV
ijosar-727	140	2	,	,	PUNCT
ijosar-727	140	3	eight	eight	NUM
ijosar-727	140	4	new	new	ADJ
ijosar-727	140	5	private	private	ADJ
ijosar-727	140	6	sector	sector	NOUN
ijosar-727	140	7	banks	bank	NOUN
ijosar-727	140	8	started	start	VERB
ijosar-727	140	9	functioning	function	VERB
ijosar-727	140	10	during	during	ADP
ijosar-727	140	11	the	the	DET
ijosar-727	140	12	period	period	NOUN
ijosar-727	140	13	from	from	ADP
ijosar-727	140	14	may	may	PROPN
ijosar-727	140	15	1994	1994	NUM
ijosar-727	140	16	to	to	ADP
ijosar-727	140	17	april	april	PROPN
ijosar-727	140	18	1995	1995	NUM
ijosar-727	140	19	(	(	PUNCT
ijosar-727	140	20	rbi	rbi	NOUN
ijosar-727	140	21	,	,	PUNCT
ijosar-727	140	22	1995	1995	NUM
ijosar-727	140	23	)	)	PUNCT
ijosar-727	140	24	.	.	PUNCT
ijosar-727	141	1	2019	2019	NUM
ijosar-727	141	2	-	-	SYM
ijosar-727	141	3	20	20	NUM
ijosar-727	141	4	was	be	AUX
ijosar-727	141	5	the	the	DET
ijosar-727	141	6	latest	late	ADJ
ijosar-727	141	7	year	year	NOUN
ijosar-727	141	8	up	up	ADP
ijosar-727	141	9	to	to	PART
ijosar-727	141	10	which	which	PRON
ijosar-727	141	11	data	datum	NOUN
ijosar-727	141	12	on	on	ADP
ijosar-727	141	13	annual	annual	ADJ
ijosar-727	141	14	accounts	account	NOUN
ijosar-727	141	15	of	of	ADP
ijosar-727	141	16	scbs	scbs	PROPN
ijosar-727	141	17	were	be	AUX
ijosar-727	141	18	available	available	ADJ
ijosar-727	141	19	at	at	ADP
ijosar-727	141	20	the	the	DET
ijosar-727	141	21	time	time	NOUN
ijosar-727	141	22	of	of	ADP
ijosar-727	141	23	preparation	preparation	NOUN
ijosar-727	141	24	of	of	ADP
ijosar-727	141	25	the	the	DET
ijosar-727	141	26	paper	paper	NOUN
ijosar-727	141	27	the	the	DET
ijosar-727	141	28	consolidation	consolidation	NOUN
ijosar-727	141	29	of	of	ADP
ijosar-727	141	30	a	a	DET
ijosar-727	141	31	few	few	ADJ
ijosar-727	141	32	public	public	ADJ
ijosar-727	141	33	sector	sector	NOUN
ijosar-727	141	34	banks	bank	NOUN
ijosar-727	141	35	was	be	AUX
ijosar-727	141	36	the	the	DET
ijosar-727	141	37	prime	prime	ADJ
ijosar-727	141	38	news	news	NOUN
ijosar-727	141	39	of	of	ADP
ijosar-727	141	40	2020	2020	NUM
ijosar-727	141	41	.	.	PUNCT
ijosar-727	142	1	the	the	DET
ijosar-727	142	2	count	count	NOUN
ijosar-727	142	3	of	of	ADP
ijosar-727	142	4	public	public	ADJ
ijosar-727	142	5	sector	sector	NOUN
ijosar-727	142	6	banks	bank	NOUN
ijosar-727	142	7	plummeted	plummet	VERB
ijosar-727	142	8	to	to	ADP
ijosar-727	142	9	12	12	NUM
ijosar-727	142	10	banks	bank	NOUN
ijosar-727	142	11	.	.	PUNCT
ijosar-727	143	1	this	this	PRON
ijosar-727	143	2	is	be	AUX
ijosar-727	143	3	indeed	indeed	ADV
ijosar-727	143	4	a	a	DET
ijosar-727	143	5	significant	significant	ADJ
ijosar-727	143	6	reduction	reduction	NOUN
ijosar-727	143	7	.	.	PUNCT
ijosar-727	144	1	the	the	DET
ijosar-727	144	2	aftermath	aftermath	NOUN
ijosar-727	144	3	of	of	ADP
ijosar-727	144	4	this	this	DET
ijosar-727	144	5	consolidation	consolidation	NOUN
ijosar-727	144	6	is	be	AUX
ijosar-727	144	7	the	the	DET
ijosar-727	144	8	matter	matter	NOUN
ijosar-727	144	9	of	of	ADP
ijosar-727	144	10	discussion	discussion	NOUN
ijosar-727	144	11	in	in	ADP
ijosar-727	144	12	this	this	DET
ijosar-727	144	13	article	article	NOUN
ijosar-727	144	14	,	,	PUNCT
ijosar-727	144	15	particularly	particularly	ADV
ijosar-727	144	16	dealing	deal	VERB
ijosar-727	144	17	with	with	ADP
ijosar-727	144	18	the	the	DET
ijosar-727	144	19	issues	issue	NOUN
ijosar-727	144	20	of	of	ADP
ijosar-727	144	21	such	such	ADJ
ijosar-727	144	22	mergers	merger	NOUN
ijosar-727	144	23	.	.	PUNCT
ijosar-727	145	1	india	india	PROPN
ijosar-727	145	2	is	be	AUX
ijosar-727	145	3	the	the	DET
ijosar-727	145	4	sixth	sixth	ADV
ijosar-727	145	5	-	-	PUNCT
ijosar-727	145	6	largest	large	ADJ
ijosar-727	145	7	economy	economy	NOUN
ijosar-727	145	8	in	in	ADP
ijosar-727	145	9	the	the	DET
ijosar-727	145	10	world	world	NOUN
ijosar-727	145	11	.	.	PUNCT
ijosar-727	146	1	the	the	DET
ijosar-727	146	2	gross	gross	ADJ
ijosar-727	146	3	domestic	domestic	ADJ
ijosar-727	146	4	product	product	NOUN
ijosar-727	146	5	of	of	ADP
ijosar-727	146	6	india	india	PROPN
ijosar-727	146	7	in	in	ADP
ijosar-727	146	8	the	the	DET
ijosar-727	146	9	year	year	NOUN
ijosar-727	146	10	2014	2014	NUM
ijosar-727	146	11	is	be	AUX
ijosar-727	146	12	$	$	SYM
ijosar-727	146	13	1.85	1.85	NUM
ijosar-727	146	14	trillion	trillion	NUM
ijosar-727	146	15	and	and	CCONJ
ijosar-727	146	16	in	in	ADP
ijosar-727	146	17	2018	2018	NUM
ijosar-727	146	18	the	the	DET
ijosar-727	146	19	rate	rate	NOUN
ijosar-727	146	20	elevated	elevate	VERB
ijosar-727	146	21	to	to	ADP
ijosar-727	146	22	$	$	SYM
ijosar-727	146	23	2.7	2.7	NUM
ijosar-727	146	24	trillion	trillion	NUM
ijosar-727	146	25	.	.	PUNCT
ijosar-727	147	1	the	the	DET
ijosar-727	147	2	gross	gross	ADJ
ijosar-727	147	3	domestic	domestic	ADJ
ijosar-727	147	4	product	product	NOUN
ijosar-727	147	5	(	(	PUNCT
ijosar-727	147	6	gdp	gdp	NOUN
ijosar-727	147	7	)	)	PUNCT
ijosar-727	147	8	reflects	reflect	VERB
ijosar-727	147	9	how	how	SCONJ
ijosar-727	147	10	big	big	ADJ
ijosar-727	147	11	the	the	DET
ijosar-727	147	12	economy	economy	NOUN
ijosar-727	147	13	is	be	AUX
ijosar-727	147	14	.	.	PUNCT
ijosar-727	148	1	the	the	DET
ijosar-727	148	2	government	government	NOUN
ijosar-727	148	3	is	be	AUX
ijosar-727	148	4	striving	strive	VERB
ijosar-727	148	5	to	to	PART
ijosar-727	148	6	make	make	VERB
ijosar-727	148	7	india	india	PROPN
ijosar-727	148	8	’s	’s	PART
ijosar-727	148	9	gdp	gdp	NOUN
ijosar-727	148	10	rate	rate	NOUN
ijosar-727	148	11	$	$	SYM
ijosar-727	148	12	5.33	5.33	NUM
ijosar-727	148	13	trillion	trillion	NUM
ijosar-727	148	14	by	by	ADP
ijosar-727	148	15	2024	2024	NUM
ijosar-727	148	16	.	.	PUNCT
ijosar-727	149	1	the	the	DET
ijosar-727	149	2	mega	mega	NOUN
ijosar-727	149	3	-	-	NOUN
ijosar-727	149	4	merger	merger	NOUN
ijosar-727	149	5	of	of	ADP
ijosar-727	149	6	public	public	ADJ
ijosar-727	149	7	sector	sector	NOUN
ijosar-727	149	8	banks	bank	NOUN
ijosar-727	149	9	which	which	PRON
ijosar-727	149	10	we	we	PRON
ijosar-727	149	11	will	will	AUX
ijosar-727	149	12	explain	explain	VERB
ijosar-727	149	13	eventually	eventually	ADV
ijosar-727	149	14	here	here	ADV
ijosar-727	149	15	was	be	AUX
ijosar-727	149	16	a	a	DET
ijosar-727	149	17	step	step	NOUN
ijosar-727	149	18	taken	take	VERB
ijosar-727	149	19	by	by	ADP
ijosar-727	149	20	the	the	DET
ijosar-727	149	21	government	government	NOUN
ijosar-727	149	22	to	to	PART
ijosar-727	149	23	achieve	achieve	VERB
ijosar-727	149	24	the	the	DET
ijosar-727	149	25	$	$	SYM
ijosar-727	149	26	5.33	5.33	NUM
ijosar-727	149	27	trillion	trillion	NUM
ijosar-727	149	28	economies	economy	NOUN
ijosar-727	149	29	.	.	PUNCT
ijosar-727	150	1	important	important	ADJ
ijosar-727	150	2	issues	issue	NOUN
ijosar-727	150	3	,	,	PUNCT
ijosar-727	150	4	as	as	ADV
ijosar-727	150	5	well	well	ADV
ijosar-727	150	6	as	as	ADP
ijosar-727	150	7	merits	merit	NOUN
ijosar-727	150	8	,	,	PUNCT
ijosar-727	150	9	are	be	AUX
ijosar-727	150	10	described	describe	VERB
ijosar-727	150	11	here	here	ADV
ijosar-727	150	12	for	for	ADP
ijosar-727	150	13	readers	reader	NOUN
ijosar-727	150	14	’	'	PUNCT
ijosar-727	150	15	perusal	perusal	NOUN
ijosar-727	150	16	.	.	PUNCT
ijosar-727	151	1	the	the	DET
ijosar-727	151	2	nationalization	nationalization	NOUN
ijosar-727	151	3	of	of	ADP
ijosar-727	151	4	the	the	DET
ijosar-727	151	5	state	state	PROPN
ijosar-727	151	6	bank	bank	PROPN
ijosar-727	151	7	of	of	ADP
ijosar-727	151	8	india	india	PROPN
ijosar-727	151	9	in	in	ADP
ijosar-727	151	10	1955	1955	NUM
ijosar-727	151	11	marked	mark	VERB
ijosar-727	151	12	the	the	DET
ijosar-727	151	13	beginning	beginning	NOUN
ijosar-727	151	14	of	of	ADP
ijosar-727	151	15	the	the	DET
ijosar-727	151	16	public	public	ADJ
ijosar-727	151	17	sector	sector	NOUN
ijosar-727	151	18	banking	banking	NOUN
ijosar-727	151	19	system	system	NOUN
ijosar-727	151	20	in	in	ADP
ijosar-727	151	21	india	india	PROPN
ijosar-727	151	22	.	.	PUNCT
ijosar-727	152	1	the	the	DET
ijosar-727	152	2	merging	merge	VERB
ijosar-727	152	3	history	history	NOUN
ijosar-727	152	4	of	of	ADP
ijosar-727	152	5	public	public	ADJ
ijosar-727	152	6	sector	sector	NOUN
ijosar-727	152	7	banks	bank	NOUN
ijosar-727	152	8	goes	go	VERB
ijosar-727	152	9	back	back	ADV
ijosar-727	152	10	to	to	ADP
ijosar-727	152	11	2008	2008	NUM
ijosar-727	152	12	when	when	SCONJ
ijosar-727	152	13	the	the	DET
ijosar-727	152	14	state	state	NOUN
ijosar-727	152	15	bank	bank	PROPN
ijosar-727	152	16	of	of	ADP
ijosar-727	152	17	saurashtra	saurashtra	PROPN
ijosar-727	152	18	got	get	AUX
ijosar-727	152	19	merged	merge	VERB
ijosar-727	152	20	with	with	ADP
ijosar-727	152	21	the	the	DET
ijosar-727	152	22	state	state	PROPN
ijosar-727	152	23	bank	bank	PROPN
ijosar-727	152	24	of	of	ADP
ijosar-727	152	25	india	india	PROPN
ijosar-727	152	26	.	.	PUNCT
ijosar-727	153	1	the	the	DET
ijosar-727	153	2	state	state	PROPN
ijosar-727	153	3	bank	bank	PROPN
ijosar-727	153	4	of	of	ADP
ijosar-727	153	5	india	india	PROPN
ijosar-727	153	6	which	which	PRON
ijosar-727	153	7	was	be	AUX
ijosar-727	153	8	established	establish	VERB
ijosar-727	153	9	in	in	ADP
ijosar-727	153	10	1955	1955	NUM
ijosar-727	153	11	by	by	ADP
ijosar-727	153	12	the	the	DET
ijosar-727	153	13	nationalization	nationalization	NOUN
ijosar-727	153	14	of	of	ADP
ijosar-727	153	15	the	the	DET
ijosar-727	153	16	imperial	imperial	ADJ
ijosar-727	153	17	bank	bank	PROPN
ijosar-727	153	18	of	of	ADP
ijosar-727	153	19	india	india	PROPN
ijosar-727	153	20	is	be	AUX
ijosar-727	153	21	the	the	DET
ijosar-727	153	22	largest	large	ADJ
ijosar-727	153	23	bank	bank	NOUN
ijosar-727	153	24	today	today	NOUN
ijosar-727	153	25	.	.	PUNCT
ijosar-727	154	1	2010	2010	NUM
ijosar-727	154	2	witnessed	witness	VERB
ijosar-727	154	3	the	the	DET
ijosar-727	154	4	merger	merger	NOUN
ijosar-727	154	5	of	of	ADP
ijosar-727	154	6	the	the	DET
ijosar-727	154	7	state	state	PROPN
ijosar-727	154	8	bank	bank	PROPN
ijosar-727	154	9	of	of	ADP
ijosar-727	154	10	indore	indore	PROPN
ijosar-727	154	11	with	with	ADP
ijosar-727	154	12	the	the	DET
ijosar-727	154	13	state	state	PROPN
ijosar-727	154	14	bank	bank	PROPN
ijosar-727	154	15	of	of	ADP
ijosar-727	154	16	india	india	PROPN
ijosar-727	154	17	.	.	PUNCT
ijosar-727	155	1	the	the	DET
ijosar-727	155	2	mega	mega	NOUN
ijosar-727	155	3	-	-	NOUN
ijosar-727	155	4	merger	merger	NOUN
ijosar-727	155	5	of	of	ADP
ijosar-727	155	6	the	the	DET
ijosar-727	155	7	subsidiaries	subsidiary	NOUN
ijosar-727	155	8	of	of	ADP
ijosar-727	155	9	the	the	DET
ijosar-727	155	10	state	state	NOUN
ijosar-727	155	11	bank	bank	PROPN
ijosar-727	155	12	of	of	ADP
ijosar-727	155	13	india	india	PROPN
ijosar-727	155	14	occurred	occur	VERB
ijosar-727	155	15	in	in	ADP
ijosar-727	155	16	2017	2017	NUM
ijosar-727	155	17	.	.	PUNCT
ijosar-727	156	1	in	in	ADP
ijosar-727	156	2	addition	addition	NOUN
ijosar-727	156	3	,	,	PUNCT
ijosar-727	156	4	vijaya	vijaya	PROPN
ijosar-727	156	5	bank	bank	PROPN
ijosar-727	156	6	and	and	CCONJ
ijosar-727	156	7	dena	dena	PROPN
ijosar-727	156	8	bank	bank	PROPN
ijosar-727	156	9	merged	merge	VERB
ijosar-727	156	10	with	with	ADP
ijosar-727	156	11	bank	bank	PROPN
ijosar-727	156	12	of	of	ADP
ijosar-727	156	13	baroda	baroda	NOUN
ijosar-727	156	14	in	in	ADP
ijosar-727	156	15	ijointernational	ijointernational	ADJ
ijosar-727	156	16	journal	journal	NOUN
ijosar-727	156	17	of	of	ADP
ijosar-727	156	18	social	social	ADJ
ijosar-727	156	19	science	science	NOUN
ijosar-727	156	20	and	and	CCONJ
ijosar-727	156	21	humanities	humanity	NOUN
ijosar-727	156	22	research	research	NOUN
ijosar-727	156	23	(	(	PUNCT
ijosar-727	157	1	issn	issn	PROPN
ijosar-727	157	2	2811	2811	NUM
ijosar-727	157	3	-	-	SYM
ijosar-727	157	4	2466	2466	NUM
ijosar-727	157	5	)	)	PUNCT
ijosar-727	157	6	volume	volume	NOUN
ijosar-727	157	7	06	06	NUM
ijosar-727	158	1	|	|	ADV
ijosar-727	158	2	issue	issue	NOUN
ijosar-727	158	3	09	09	NUM
ijosar-727	158	4	|	|	ADV
ijosar-727	158	5	september	september	PROPN
ijosar-727	158	6	2023	2023	NUM
ijosar-727	158	7	|	|	NOUN
ijosar-727	158	8	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	158	9	5	5	NUM
ijosar-727	158	10	https://www.rbi.org.in/scripts/bs_viewcontent.aspx?id=4242	https://www.rbi.org.in/scripts/bs_viewcontent.aspx?id=4242	NOUN
ijosar-727	158	11	https://financialservices.gov.in/banking-divisions/public-sector-banks	https://financialservices.gov.in/banking-divisions/public-sector-bank	VERB
ijosar-727	158	12	https://www.investopedia.com/terms/g/gdp.asp	https://www.investopedia.com/terms/g/gdp.asp	PROPN
ijosar-727	158	13	https://www.investopedia.com/terms/g/gdp.asp	https://www.investopedia.com/terms/g/gdp.asp	PROPN
ijosar-727	158	14	2019	2019	NUM
ijosar-727	158	15	.	.	PUNCT
ijosar-727	159	1	another	another	DET
ijosar-727	159	2	mega	mega	NOUN
ijosar-727	159	3	-	-	NOUN
ijosar-727	159	4	merger	merger	NOUN
ijosar-727	159	5	is	be	AUX
ijosar-727	159	6	the	the	DET
ijosar-727	159	7	latest	late	ADJ
ijosar-727	159	8	one	one	NOUN
ijosar-727	159	9	that	that	PRON
ijosar-727	159	10	occurred	occur	VERB
ijosar-727	159	11	in	in	ADP
ijosar-727	159	12	2020	2020	NUM
ijosar-727	159	13	which	which	PRON
ijosar-727	159	14	is	be	AUX
ijosar-727	159	15	explained	explain	VERB
ijosar-727	159	16	subsequently	subsequently	ADV
ijosar-727	159	17	here	here	ADV
ijosar-727	159	18	.	.	PUNCT
ijosar-727	160	1	india	india	PROPN
ijosar-727	160	2	witnessed	witness	VERB
ijosar-727	160	3	in	in	ADP
ijosar-727	160	4	2017	2017	NUM
ijosar-727	160	5	,	,	PUNCT
ijosar-727	160	6	the	the	DET
ijosar-727	160	7	mega	mega	NOUN
ijosar-727	160	8	-	-	NOUN
ijosar-727	160	9	merger	merger	NOUN
ijosar-727	160	10	of	of	ADP
ijosar-727	160	11	the	the	DET
ijosar-727	160	12	state	state	PROPN
ijosar-727	160	13	bank	bank	PROPN
ijosar-727	160	14	of	of	ADP
ijosar-727	160	15	india	india	PROPN
ijosar-727	160	16	.	.	PUNCT
ijosar-727	161	1	the	the	DET
ijosar-727	161	2	state	state	PROPN
ijosar-727	161	3	bank	bank	PROPN
ijosar-727	161	4	of	of	ADP
ijosar-727	161	5	mysore	mysore	NOUN
ijosar-727	161	6	,	,	PUNCT
ijosar-727	161	7	state	state	NOUN
ijosar-727	161	8	bank	bank	PROPN
ijosar-727	161	9	of	of	ADP
ijosar-727	161	10	travancore	travancore	PROPN
ijosar-727	161	11	,	,	PUNCT
ijosar-727	161	12	state	state	NOUN
ijosar-727	161	13	bank	bank	PROPN
ijosar-727	161	14	of	of	ADP
ijosar-727	161	15	hyderabad	hyderabad	PROPN
ijosar-727	161	16	,	,	PUNCT
ijosar-727	161	17	state	state	NOUN
ijosar-727	161	18	bank	bank	PROPN
ijosar-727	161	19	of	of	ADP
ijosar-727	161	20	patiala	patiala	PROPN
ijosar-727	161	21	,	,	PUNCT
ijosar-727	161	22	state	state	NOUN
ijosar-727	161	23	bank	bank	PROPN
ijosar-727	161	24	of	of	ADP
ijosar-727	161	25	bikaner	bikaner	PROPN
ijosar-727	161	26	,	,	PUNCT
ijosar-727	161	27	and	and	CCONJ
ijosar-727	161	28	jaipur	jaipur	PROPN
ijosar-727	161	29	and	and	CCONJ
ijosar-727	161	30	bhartiya	bhartiya	PROPN
ijosar-727	161	31	mahila	mahila	PROPN
ijosar-727	161	32	bank	bank	PROPN
ijosar-727	161	33	ltd	ltd	PROPN
ijosar-727	161	34	merged	merge	VERB
ijosar-727	161	35	with	with	ADP
ijosar-727	161	36	state	state	PROPN
ijosar-727	161	37	bank	bank	PROPN
ijosar-727	161	38	of	of	ADP
ijosar-727	161	39	india	india	PROPN
ijosar-727	161	40	.	.	PUNCT
ijosar-727	162	1	this	this	PRON
ijosar-727	162	2	made	make	VERB
ijosar-727	162	3	sbi	sbi	PROPN
ijosar-727	162	4	one	one	NUM
ijosar-727	162	5	among	among	ADP
ijosar-727	162	6	the	the	DET
ijosar-727	162	7	top	top	ADJ
ijosar-727	162	8	50	50	NUM
ijosar-727	162	9	banks	bank	NOUN
ijosar-727	162	10	in	in	ADP
ijosar-727	162	11	the	the	DET
ijosar-727	162	12	world	world	NOUN
ijosar-727	162	13	.	.	PUNCT
ijosar-727	163	1	the	the	DET
ijosar-727	163	2	merger	merger	NOUN
ijosar-727	163	3	resulted	result	VERB
ijosar-727	163	4	in	in	ADP
ijosar-727	163	5	achieving	achieve	VERB
ijosar-727	163	6	economies	economy	NOUN
ijosar-727	163	7	of	of	ADP
ijosar-727	163	8	scale	scale	NOUN
ijosar-727	163	9	.	.	PUNCT
ijosar-727	164	1	the	the	DET
ijosar-727	164	2	increase	increase	NOUN
ijosar-727	164	3	in	in	ADP
ijosar-727	164	4	the	the	DET
ijosar-727	164	5	branch	branch	NOUN
ijosar-727	164	6	network	network	NOUN
ijosar-727	164	7	with	with	ADP
ijosar-727	164	8	more	more	ADJ
ijosar-727	164	9	qualified	qualified	ADJ
ijosar-727	164	10	employees	employee	NOUN
ijosar-727	164	11	and	and	CCONJ
ijosar-727	164	12	effective	effective	ADJ
ijosar-727	164	13	resources	resource	NOUN
ijosar-727	164	14	combined	combine	VERB
ijosar-727	164	15	with	with	ADP
ijosar-727	164	16	the	the	DET
ijosar-727	164	17	hike	hike	NOUN
ijosar-727	164	18	in	in	ADP
ijosar-727	164	19	the	the	DET
ijosar-727	164	20	price	price	NOUN
ijosar-727	164	21	of	of	ADP
ijosar-727	164	22	shares	share	NOUN
ijosar-727	164	23	of	of	ADP
ijosar-727	164	24	sbi	sbi	PROPN
ijosar-727	164	25	proved	prove	VERB
ijosar-727	164	26	the	the	DET
ijosar-727	164	27	merger	merger	NOUN
ijosar-727	164	28	as	as	ADP
ijosar-727	164	29	a	a	DET
ijosar-727	164	30	successful	successful	ADJ
ijosar-727	164	31	one	one	NUM
ijosar-727	164	32	.	.	PUNCT
ijosar-727	165	1	during	during	ADP
ijosar-727	165	2	1997	1997	NUM
ijosar-727	165	3	-	-	SYM
ijosar-727	165	4	2022	2022	NUM
ijosar-727	165	5	,	,	PUNCT
ijosar-727	165	6	there	there	PRON
ijosar-727	165	7	were	be	VERB
ijosar-727	165	8	40	40	NUM
ijosar-727	165	9	bank	bank	NOUN
ijosar-727	165	10	amalgamations	amalgamation	NOUN
ijosar-727	165	11	,	,	PUNCT
ijosar-727	165	12	out	out	ADP
ijosar-727	165	13	of	of	ADP
ijosar-727	165	14	which	which	PRON
ijosar-727	165	15	12	12	NUM
ijosar-727	165	16	were	be	AUX
ijosar-727	165	17	between	between	ADP
ijosar-727	165	18	private	private	ADJ
ijosar-727	165	19	sector	sector	NOUN
ijosar-727	165	20	banks	bank	NOUN
ijosar-727	165	21	(	(	PUNCT
ijosar-727	165	22	pvbs	pvbs	NOUN
ijosar-727	165	23	)	)	PUNCT
ijosar-727	165	24	and	and	CCONJ
ijosar-727	165	25	psbs	psbs	NOUN
ijosar-727	165	26	,	,	PUNCT
ijosar-727	165	27	16	16	NUM
ijosar-727	165	28	were	be	AUX
ijosar-727	165	29	amongst	amongst	ADP
ijosar-727	165	30	psbs	psbs	NOUN
ijosar-727	165	31	and	and	CCONJ
ijosar-727	165	32	the	the	DET
ijosar-727	165	33	remaining	remain	VERB
ijosar-727	165	34	12	12	NUM
ijosar-727	165	35	were	be	AUX
ijosar-727	165	36	between	between	ADP
ijosar-727	165	37	pvbs	pvbs	NOUN
ijosar-727	165	38	and	and	CCONJ
ijosar-727	165	39	foreign	foreign	ADJ
ijosar-727	165	40	banks	bank	NOUN
ijosar-727	165	41	.	.	PUNCT
ijosar-727	166	1	the	the	DET
ijosar-727	166	2	consolidation	consolidation	NOUN
ijosar-727	166	3	of	of	ADP
ijosar-727	166	4	state	state	PROPN
ijosar-727	166	5	bank	bank	PROPN
ijosar-727	166	6	of	of	ADP
ijosar-727	166	7	india	india	PROPN
ijosar-727	166	8	(	(	PUNCT
ijosar-727	166	9	sbi	sbi	PROPN
ijosar-727	166	10	)	)	PUNCT
ijosar-727	166	11	with	with	ADP
ijosar-727	166	12	its	its	PRON
ijosar-727	166	13	associates	associate	NOUN
ijosar-727	166	14	(	(	PUNCT
ijosar-727	166	15	during	during	ADP
ijosar-727	166	16	2008	2008	NUM
ijosar-727	166	17	-	-	SYM
ijosar-727	166	18	2017	2017	NUM
ijosar-727	166	19	)	)	PUNCT
ijosar-727	166	20	and	and	CCONJ
ijosar-727	166	21	the	the	DET
ijosar-727	166	22	mega	mega	ADJ
ijosar-727	166	23	merger	merger	NOUN
ijosar-727	166	24	of	of	ADP
ijosar-727	166	25	ten	ten	NUM
ijosar-727	166	26	banks	bank	NOUN
ijosar-727	166	27	into	into	ADP
ijosar-727	166	28	four	four	NUM
ijosar-727	166	29	in	in	ADP
ijosar-727	166	30	april	april	PROPN
ijosar-727	166	31	2020	2020	NUM
ijosar-727	166	32	account	account	NOUN
ijosar-727	166	33	for	for	ADP
ijosar-727	166	34	majority	majority	NOUN
ijosar-727	166	35	of	of	ADP
ijosar-727	166	36	psb	psb	PROPN
ijosar-727	166	37	mergers	merger	NOUN
ijosar-727	166	38	.	.	PUNCT
ijosar-727	167	1	further	far	ADV
ijosar-727	167	2	,	,	PUNCT
ijosar-727	167	3	bank	bank	NOUN
ijosar-727	167	4	amalgamations	amalgamation	NOUN
ijosar-727	167	5	prior	prior	ADV
ijosar-727	167	6	to	to	ADP
ijosar-727	167	7	1999	1999	NUM
ijosar-727	167	8	were	be	AUX
ijosar-727	167	9	primarily	primarily	ADV
ijosar-727	167	10	triggered	trigger	VERB
ijosar-727	167	11	by	by	ADP
ijosar-727	167	12	weak	weak	ADJ
ijosar-727	167	13	financial	financial	ADJ
ijosar-727	167	14	conditions	condition	NOUN
ijosar-727	167	15	of	of	ADP
ijosar-727	167	16	the	the	DET
ijosar-727	167	17	acquiree	acquiree	ADJ
ijosar-727	167	18	banks	bank	NOUN
ijosar-727	167	19	whereas	whereas	SCONJ
ijosar-727	167	20	post-1999	post-1999	NOUN
ijosar-727	167	21	,	,	PUNCT
ijosar-727	167	22	business	business	NOUN
ijosar-727	167	23	and	and	CCONJ
ijosar-727	167	24	commercial	commercial	ADJ
ijosar-727	167	25	considerations	consideration	NOUN
ijosar-727	167	26	(	(	PUNCT
ijosar-727	167	27	such	such	ADJ
ijosar-727	167	28	as	as	ADP
ijosar-727	167	29	,	,	PUNCT
ijosar-727	167	30	the	the	DET
ijosar-727	167	31	need	need	NOUN
ijosar-727	167	32	for	for	ADP
ijosar-727	167	33	increasing	increase	VERB
ijosar-727	167	34	market	market	NOUN
ijosar-727	167	35	share	share	NOUN
ijosar-727	167	36	,	,	PUNCT
ijosar-727	167	37	operational	operational	ADJ
ijosar-727	167	38	synergies	synergy	NOUN
ijosar-727	167	39	,	,	PUNCT
ijosar-727	167	40	acquisition	acquisition	NOUN
ijosar-727	167	41	of	of	ADP
ijosar-727	167	42	a	a	DET
ijosar-727	167	43	business	business	NOUN
ijosar-727	167	44	unit	unit	NOUN
ijosar-727	167	45	or	or	CCONJ
ijosar-727	167	46	segment	segment	NOUN
ijosar-727	167	47	,	,	PUNCT
ijosar-727	167	48	etc	etc	X
ijosar-727	167	49	.	.	X
ijosar-727	167	50	)	)	PUNCT
ijosar-727	167	51	have	have	AUX
ijosar-727	167	52	also	also	ADV
ijosar-727	167	53	influenced	influence	VERB
ijosar-727	167	54	mergers	merger	NOUN
ijosar-727	167	55	between	between	ADP
ijosar-727	167	56	healthy	healthy	ADJ
ijosar-727	167	57	banks	bank	NOUN
ijosar-727	167	58	(	(	PUNCT
ijosar-727	167	59	leeladhar	leeladhar	ADJ
ijosar-727	167	60	,	,	PUNCT
ijosar-727	167	61	2008	2008	NUM
ijosar-727	167	62	)	)	PUNCT
ijosar-727	167	63	.	.	PUNCT
ijosar-727	168	1	the	the	DET
ijosar-727	168	2	study	study	NOUN
ijosar-727	168	3	covers	cover	VERB
ijosar-727	168	4	all	all	DET
ijosar-727	168	5	registered	register	VERB
ijosar-727	168	6	m&as	m&as	NOUN
ijosar-727	168	7	in	in	ADP
ijosar-727	168	8	the	the	DET
ijosar-727	168	9	indian	indian	ADJ
ijosar-727	168	10	commercial	commercial	ADJ
ijosar-727	168	11	banking	banking	NOUN
ijosar-727	168	12	industry	industry	NOUN
ijosar-727	168	13	between	between	ADP
ijosar-727	168	14	1997	1997	NUM
ijosar-727	168	15	to	to	ADP
ijosar-727	168	16	2020	2020	NUM
ijosar-727	168	17	.	.	PUNCT
ijosar-727	169	1	the	the	DET
ijosar-727	169	2	following	follow	VERB
ijosar-727	169	3	criteria	criterion	NOUN
ijosar-727	169	4	was	be	AUX
ijosar-727	169	5	used	use	VERB
ijosar-727	169	6	for	for	SCONJ
ijosar-727	169	7	a	a	DET
ijosar-727	169	8	merger	merger	NOUN
ijosar-727	169	9	to	to	PART
ijosar-727	169	10	be	be	AUX
ijosar-727	169	11	considered	consider	VERB
ijosar-727	169	12	under	under	ADP
ijosar-727	169	13	the	the	DET
ijosar-727	169	14	study	study	NOUN
ijosar-727	169	15	:	:	PUNCT
ijosar-727	169	16	(	(	PUNCT
ijosar-727	169	17	a	a	X
ijosar-727	169	18	)	)	PUNCT
ijosar-727	169	19	consistent	consistent	ADJ
ijosar-727	169	20	data	datum	NOUN
ijosar-727	169	21	availability	availability	NOUN
ijosar-727	169	22	in	in	ADP
ijosar-727	169	23	line	line	NOUN
ijosar-727	169	24	with	with	ADP
ijosar-727	169	25	the	the	DET
ijosar-727	169	26	research	research	NOUN
ijosar-727	169	27	design	design	NOUN
ijosar-727	169	28	;	;	PUNCT
ijosar-727	169	29	(	(	PUNCT
ijosar-727	169	30	b	b	X
ijosar-727	169	31	)	)	PUNCT
ijosar-727	169	32	both	both	CCONJ
ijosar-727	169	33	the	the	DET
ijosar-727	169	34	acquirer	acquirer	NOUN
ijosar-727	169	35	and	and	CCONJ
ijosar-727	169	36	the	the	DET
ijosar-727	169	37	acquiree	acquiree	PROPN
ijosar-727	169	38	bank	bank	NOUN
ijosar-727	169	39	should	should	AUX
ijosar-727	169	40	either	either	CCONJ
ijosar-727	169	41	belong	belong	VERB
ijosar-727	169	42	to	to	ADP
ijosar-727	169	43	public	public	ADJ
ijosar-727	169	44	sector	sector	NOUN
ijosar-727	169	45	(	(	PUNCT
ijosar-727	169	46	psb	psb	PROPN
ijosar-727	169	47	)	)	PUNCT
ijosar-727	169	48	or	or	CCONJ
ijosar-727	169	49	private	private	ADJ
ijosar-727	169	50	sector	sector	NOUN
ijosar-727	169	51	(	(	PUNCT
ijosar-727	169	52	pvb	pvb	NOUN
ijosar-727	169	53	)	)	PUNCT
ijosar-727	169	54	bank	bank	NOUN
ijosar-727	169	55	-	-	PUNCT
ijosar-727	169	56	group	group	NOUN
ijosar-727	169	57	,	,	PUNCT
ijosar-727	169	58	and	and	CCONJ
ijosar-727	169	59	(	(	PUNCT
ijosar-727	169	60	c	c	X
ijosar-727	169	61	)	)	PUNCT
ijosar-727	169	62	a	a	DET
ijosar-727	169	63	single	single	ADJ
ijosar-727	169	64	merger	merger	NOUN
ijosar-727	169	65	application	application	NOUN
ijosar-727	169	66	within	within	ADP
ijosar-727	169	67	the	the	DET
ijosar-727	169	68	period	period	NOUN
ijosar-727	169	69	of	of	ADP
ijosar-727	169	70	analysis	analysis	NOUN
ijosar-727	169	71	,	,	PUNCT
ijosar-727	169	72	although	although	SCONJ
ijosar-727	169	73	there	there	PRON
ijosar-727	169	74	could	could	AUX
ijosar-727	169	75	be	be	AUX
ijosar-727	169	76	multiple	multiple	ADJ
ijosar-727	169	77	acquiree	acquiree	ADJ
ijosar-727	169	78	banks	bank	NOUN
ijosar-727	169	79	during	during	ADP
ijosar-727	169	80	the	the	DET
ijosar-727	169	81	same	same	ADJ
ijosar-727	169	82	merger	merger	NOUN
ijosar-727	169	83	year	year	NOUN
ijosar-727	169	84	.	.	PUNCT
ijosar-727	170	1	in	in	ADP
ijosar-727	170	2	cases	case	NOUN
ijosar-727	170	3	with	with	ADP
ijosar-727	170	4	multiple	multiple	ADJ
ijosar-727	170	5	mergers	merger	NOUN
ijosar-727	170	6	in	in	ADP
ijosar-727	170	7	consecutive	consecutive	ADJ
ijosar-727	170	8	years	year	NOUN
ijosar-727	170	9	,	,	PUNCT
ijosar-727	170	10	the	the	DET
ijosar-727	170	11	latest	late	ADJ
ijosar-727	170	12	merger	merger	NOUN
ijosar-727	170	13	application	application	NOUN
ijosar-727	170	14	was	be	AUX
ijosar-727	170	15	considered	consider	VERB
ijosar-727	170	16	and	and	CCONJ
ijosar-727	170	17	a	a	DET
ijosar-727	170	18	single	single	ADJ
ijosar-727	170	19	merger	merger	NOUN
ijosar-727	170	20	observation	observation	NOUN
ijosar-727	170	21	was	be	AUX
ijosar-727	170	22	considered	consider	VERB
ijosar-727	170	23	for	for	ADP
ijosar-727	170	24	cases	case	NOUN
ijosar-727	170	25	where	where	SCONJ
ijosar-727	170	26	multiple	multiple	ADJ
ijosar-727	170	27	acquiree	acquiree	ADJ
ijosar-727	170	28	banks	bank	NOUN
ijosar-727	170	29	were	be	AUX
ijosar-727	170	30	merged	merge	VERB
ijosar-727	170	31	with	with	ADP
ijosar-727	170	32	an	an	DET
ijosar-727	170	33	acquirer	acquirer	NOUN
ijosar-727	170	34	in	in	ADP
ijosar-727	170	35	the	the	DET
ijosar-727	170	36	same	same	ADJ
ijosar-727	170	37	year.5	year.5	NOUN
ijosar-727	170	38	after	after	ADP
ijosar-727	170	39	applying	apply	VERB
ijosar-727	170	40	these	these	DET
ijosar-727	170	41	criteria	criterion	NOUN
ijosar-727	170	42	,	,	PUNCT
ijosar-727	170	43	the	the	DET
ijosar-727	170	44	sample	sample	NOUN
ijosar-727	170	45	reduced	reduce	VERB
ijosar-727	170	46	to	to	ADP
ijosar-727	170	47	17	17	NUM
ijosar-727	170	48	merger	merger	NOUN
ijosar-727	170	49	cases	case	NOUN
ijosar-727	170	50	during	during	ADP
ijosar-727	170	51	1997	1997	NUM
ijosar-727	170	52	-	-	SYM
ijosar-727	170	53	2017	2017	NUM
ijosar-727	170	54	(	(	PUNCT
ijosar-727	170	55	annex	annex	VERB
ijosar-727	170	56	i	i	PRON
ijosar-727	170	57	)	)	PUNCT
ijosar-727	170	58	and	and	CCONJ
ijosar-727	170	59	five	five	NUM
ijosar-727	170	60	merger	merger	NOUN
ijosar-727	170	61	cases	case	NOUN
ijosar-727	170	62	during	during	ADP
ijosar-727	170	63	2019	2019	NUM
ijosar-727	170	64	-	-	SYM
ijosar-727	170	65	2020	2020	NUM
ijosar-727	170	66	(	(	PUNCT
ijosar-727	170	67	annex	annex	VERB
ijosar-727	170	68	ii	ii	NUM
ijosar-727	170	69	)	)	PUNCT
ijosar-727	170	70	.	.	PUNCT
ijosar-727	171	1	table	table	NOUN
ijosar-727	171	2	2	2	NUM
ijosar-727	171	3	illustrates	illustrate	VERB
ijosar-727	171	4	the	the	DET
ijosar-727	171	5	descriptive	descriptive	ADJ
ijosar-727	171	6	statistics	statistic	NOUN
ijosar-727	171	7	of	of	ADP
ijosar-727	171	8	the	the	DET
ijosar-727	171	9	acquiree	acquiree	NOUN
ijosar-727	171	10	and	and	CCONJ
ijosar-727	171	11	acquirer	acquirer	NOUN
ijosar-727	171	12	banks	bank	NOUN
ijosar-727	171	13	involved	involve	VERB
ijosar-727	171	14	in	in	ADP
ijosar-727	171	15	m&as	m&as	NOUN
ijosar-727	171	16	during	during	ADP
ijosar-727	171	17	1997	1997	NUM
ijosar-727	171	18	-	-	SYM
ijosar-727	171	19	2017	2017	NUM
ijosar-727	171	20	.	.	PUNCT
ijosar-727	172	1	bank	bank	NOUN
ijosar-727	172	2	-	-	PUNCT
ijosar-727	172	3	level	level	NOUN
ijosar-727	172	4	financial	financial	ADJ
ijosar-727	172	5	data	datum	NOUN
ijosar-727	172	6	from	from	ADP
ijosar-727	172	7	1994	1994	NUM
ijosar-727	172	8	to	to	ADP
ijosar-727	172	9	2022	2022	NUM
ijosar-727	172	10	was	be	AUX
ijosar-727	172	11	compiled	compile	VERB
ijosar-727	172	12	from	from	ADP
ijosar-727	172	13	audited	audit	VERB
ijosar-727	172	14	financial	financial	ADJ
ijosar-727	172	15	statements	statement	NOUN
ijosar-727	172	16	of	of	ADP
ijosar-727	172	17	banks	bank	NOUN
ijosar-727	172	18	and	and	CCONJ
ijosar-727	172	19	statistical	statistical	ADJ
ijosar-727	172	20	tables	table	NOUN
ijosar-727	172	21	relating	relate	VERB
ijosar-727	172	22	to	to	ADP
ijosar-727	172	23	banks	bank	NOUN
ijosar-727	172	24	in	in	ADP
ijosar-727	172	25	india	india	PROPN
ijosar-727	172	26	(	(	PUNCT
ijosar-727	172	27	strbi	strbi	PROPN
ijosar-727	172	28	)	)	PUNCT
ijosar-727	172	29	published	publish	VERB
ijosar-727	172	30	by	by	ADP
ijosar-727	172	31	the	the	DET
ijosar-727	172	32	reserve	reserve	PROPN
ijosar-727	172	33	bank	bank	PROPN
ijosar-727	172	34	of	of	ADP
ijosar-727	172	35	india	india	PROPN
ijosar-727	172	36	(	(	PUNCT
ijosar-727	172	37	rbi	rbi	PROPN
ijosar-727	172	38	)	)	PUNCT
ijosar-727	172	39	.	.	PUNCT
ijosar-727	173	1	apart	apart	ADV
ijosar-727	173	2	from	from	ADP
ijosar-727	173	3	acquiree	acquiree	NOUN
ijosar-727	173	4	and	and	CCONJ
ijosar-727	173	5	acquirer	acquirer	NOUN
ijosar-727	173	6	banks	bank	NOUN
ijosar-727	173	7	,	,	PUNCT
ijosar-727	173	8	data	datum	NOUN
ijosar-727	173	9	was	be	AUX
ijosar-727	173	10	also	also	ADV
ijosar-727	173	11	collated	collate	VERB
ijosar-727	173	12	for	for	ADP
ijosar-727	173	13	all	all	DET
ijosar-727	173	14	ijointernational	ijointernational	ADJ
ijosar-727	173	15	journal	journal	NOUN
ijosar-727	173	16	of	of	ADP
ijosar-727	173	17	social	social	ADJ
ijosar-727	173	18	science	science	NOUN
ijosar-727	173	19	and	and	CCONJ
ijosar-727	173	20	humanities	humanity	NOUN
ijosar-727	173	21	research	research	NOUN
ijosar-727	173	22	(	(	PUNCT
ijosar-727	173	23	issn	issn	PROPN
ijosar-727	173	24	2811	2811	NUM
ijosar-727	173	25	-	-	SYM
ijosar-727	173	26	2466	2466	NUM
ijosar-727	173	27	)	)	PUNCT
ijosar-727	173	28	volume	volume	NOUN
ijosar-727	173	29	06	06	NUM
ijosar-727	174	1	|	|	ADV
ijosar-727	174	2	issue	issue	NOUN
ijosar-727	174	3	09	09	NUM
ijosar-727	174	4	|	|	ADV
ijosar-727	174	5	september	september	PROPN
ijosar-727	174	6	2023	2023	NUM
ijosar-727	174	7	|	|	NOUN
ijosar-727	174	8	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	174	9	6	6	NUM
ijosar-727	174	10	https://www.rbi.org.in/scripts/bs_viewcontent.aspx?id=4242	https://www.rbi.org.in/scripts/bs_viewcontent.aspx?id=4242	NOUN
ijosar-727	174	11	https://www.rbi.org.in/scripts/bs_viewcontent.aspx?id=4242	https://www.rbi.org.in/scripts/bs_viewcontent.aspx?id=4242	NOUN
ijosar-727	174	12	https://www.rbi.org.in/scripts/bs_viewcontent.aspx?id=4242	https://www.rbi.org.in/scripts/bs_viewcontent.aspx?id=4242	NOUN
ijosar-727	174	13	https://www.rbi.org.in/scripts/bs_viewcontent.aspx?id=4242	https://www.rbi.org.in/scripts/bs_viewcontent.aspx?id=4242	NOUN
ijosar-727	174	14	https://www.rbi.org.in/scripts/bs_viewcontent.aspx?id=4242	https://www.rbi.org.in/scripts/bs_viewcontent.aspx?id=4242	NOUN
ijosar-727	174	15	the	the	DET
ijosar-727	174	16	remaining	remain	VERB
ijosar-727	174	17	pvbs	pvbs	NOUN
ijosar-727	174	18	and	and	CCONJ
ijosar-727	174	19	psbs	psbs	NOUN
ijosar-727	174	20	operating	operate	VERB
ijosar-727	174	21	in	in	ADP
ijosar-727	174	22	india	india	PROPN
ijosar-727	174	23	,	,	PUNCT
ijosar-727	174	24	as	as	SCONJ
ijosar-727	174	25	the	the	DET
ijosar-727	174	26	latter	latter	ADJ
ijosar-727	174	27	group	group	NOUN
ijosar-727	174	28	formed	form	VERB
ijosar-727	174	29	the	the	DET
ijosar-727	174	30	‘	'	PUNCT
ijosar-727	174	31	control	control	NOUN
ijosar-727	174	32	group	group	NOUN
ijosar-727	174	33	’	'	PUNCT
ijosar-727	174	34	for	for	ADP
ijosar-727	174	35	statistical	statistical	ADJ
ijosar-727	174	36	analysis	analysis	NOUN
ijosar-727	174	37	.	.	PUNCT
ijosar-727	175	1	annexure	annexure	ADJ
ijosar-727	175	2	–	–	PUNCT
ijosar-727	175	3	i	i	PRON
ijosar-727	175	4	annex	annex	VERB
ijosar-727	175	5	i	i	PRON
ijosar-727	175	6	:	:	PUNCT
ijosar-727	175	7	list	list	NOUN
ijosar-727	175	8	of	of	ADP
ijosar-727	175	9	m&as	m&as	NOUN
ijosar-727	175	10	during	during	ADP
ijosar-727	175	11	1997	1997	NUM
ijosar-727	175	12	-	-	SYM
ijosar-727	175	13	2017	2017	NUM
ijosar-727	175	14	sr	sr	NOUN
ijosar-727	175	15	.	.	PUNCT
ijosar-727	176	1	no	no	INTJ
ijosar-727	176	2	.	.	PUNCT
ijosar-727	177	1	name	name	NOUN
ijosar-727	177	2	of	of	ADP
ijosar-727	177	3	transferor	transferor	NOUN
ijosar-727	177	4	bank/	bank/	NOUN
ijosar-727	177	5	institution	institution	NOUN
ijosar-727	177	6	name	name	NOUN
ijosar-727	177	7	of	of	ADP
ijosar-727	177	8	transferee	transferee	NOUN
ijosar-727	177	9	bank/	bank/	NUM
ijosar-727	177	10	institution	institution	NOUN
ijosar-727	177	11	date	date	NOUN
ijosar-727	177	12	of	of	ADP
ijosar-727	177	13	amalgamation	amalgamation	NOUN
ijosar-727	177	14	merger	merger	NOUN
ijosar-727	177	15	type	type	NOUN
ijosar-727	177	16	1	1	NUM
ijosar-727	177	17	punjab	punjab	ADJ
ijosar-727	177	18	co	co	ADJ
ijosar-727	177	19	-	-	ADJ
ijosar-727	177	20	operative	operative	ADJ
ijosar-727	177	21	bank	bank	PROPN
ijosar-727	177	22	ltd	ltd	PROPN
ijosar-727	177	23	.	.	PROPN
ijosar-727	178	1	oriental	oriental	PROPN
ijosar-727	178	2	bank	bank	PROPN
ijosar-727	178	3	of	of	ADP
ijosar-727	178	4	commerce	commerce	PROPN
ijosar-727	178	5	april	april	PROPN
ijosar-727	178	6	8	8	NUM
ijosar-727	178	7	,	,	PUNCT
ijosar-727	178	8	1997	1997	NUM
ijosar-727	178	9	pvb	pvb	NOUN
ijosar-727	178	10	to	to	ADP
ijosar-727	178	11	psb	psb	PROPN
ijosar-727	178	12	2	2	PROPN
ijosar-727	178	13	bareilly	bareilly	PROPN
ijosar-727	178	14	corporation	corporation	PROPN
ijosar-727	178	15	bank	bank	PROPN
ijosar-727	178	16	ltd	ltd	PROPN
ijosar-727	178	17	.	.	PROPN
ijosar-727	178	18	bank	bank	PROPN
ijosar-727	178	19	of	of	ADP
ijosar-727	178	20	baroda	baroda	PROPN
ijosar-727	178	21	june	june	PROPN
ijosar-727	178	22	3	3	NUM
ijosar-727	178	23	,	,	PUNCT
ijosar-727	178	24	1999	1999	NUM
ijosar-727	178	25	pvb	pvb	NOUN
ijosar-727	178	26	to	to	ADP
ijosar-727	178	27	pvb	pvb	PROPN
ijosar-727	178	28	3	3	NUM
ijosar-727	178	29	times	times	PROPN
ijosar-727	178	30	bank	bank	PROPN
ijosar-727	178	31	ltd	ltd	PROPN
ijosar-727	178	32	.	.	PROPN
ijosar-727	178	33	hdfc	hdfc	PROPN
ijosar-727	178	34	bank	bank	PROPN
ijosar-727	178	35	ltd	ltd	PROPN
ijosar-727	178	36	.	.	PROPN
ijosar-727	178	37	february	february	PROPN
ijosar-727	178	38	26	26	NUM
ijosar-727	178	39	,	,	PUNCT
ijosar-727	178	40	2000	2000	NUM
ijosar-727	178	41	pvb	pvb	NOUN
ijosar-727	178	42	to	to	ADP
ijosar-727	178	43	pvb	pvb	PROPN
ijosar-727	178	44	4	4	NUM
ijosar-727	178	45	bank	bank	NOUN
ijosar-727	178	46	of	of	ADP
ijosar-727	178	47	madura	madura	PROPN
ijosar-727	178	48	ltd	ltd	PROPN
ijosar-727	178	49	.	.	PROPN
ijosar-727	178	50	icici	icici	PROPN
ijosar-727	178	51	bank	bank	PROPN
ijosar-727	178	52	ltd	ltd	PROPN
ijosar-727	178	53	.	.	PROPN
ijosar-727	178	54	march	march	PROPN
ijosar-727	178	55	10	10	NUM
ijosar-727	178	56	,	,	PUNCT
ijosar-727	178	57	2001	2001	NUM
ijosar-727	178	58	pvb	pvb	NOUN
ijosar-727	178	59	to	to	ADP
ijosar-727	178	60	pvb	pvb	PROPN
ijosar-727	178	61	5	5	NUM
ijosar-727	178	62	benares	benare	NOUN
ijosar-727	178	63	state	state	PROPN
ijosar-727	178	64	bank	bank	PROPN
ijosar-727	178	65	ltd	ltd	PROPN
ijosar-727	178	66	.	.	PROPN
ijosar-727	178	67	bank	bank	PROPN
ijosar-727	178	68	of	of	ADP
ijosar-727	178	69	baroda	baroda	PROPN
ijosar-727	178	70	june	june	PROPN
ijosar-727	178	71	20	20	NUM
ijosar-727	178	72	,	,	PUNCT
ijosar-727	178	73	2002	2002	NUM
ijosar-727	178	74	pvb	pvb	NOUN
ijosar-727	178	75	to	to	ADP
ijosar-727	178	76	psb	psb	PROPN
ijosar-727	178	77	6	6	NUM
ijosar-727	178	78	nedungadi	nedungadi	PROPN
ijosar-727	178	79	bank	bank	PROPN
ijosar-727	178	80	ltd	ltd	PROPN
ijosar-727	178	81	.	.	PROPN
ijosar-727	178	82	punjab	punjab	PROPN
ijosar-727	178	83	national	national	PROPN
ijosar-727	178	84	bank	bank	PROPN
ijosar-727	178	85	february	february	PROPN
ijosar-727	178	86	1	1	NUM
ijosar-727	178	87	,	,	PUNCT
ijosar-727	178	88	2003	2003	NUM
ijosar-727	178	89	pvb	pvb	NOUN
ijosar-727	178	90	to	to	ADP
ijosar-727	178	91	psb	psb	PROPN
ijosar-727	178	92	7	7	NUM
ijosar-727	178	93	global	global	PROPN
ijosar-727	178	94	trust	trust	PROPN
ijosar-727	178	95	bank	bank	PROPN
ijosar-727	178	96	ltd	ltd	PROPN
ijosar-727	178	97	.	.	PROPN
ijosar-727	179	1	oriental	oriental	PROPN
ijosar-727	179	2	bank	bank	PROPN
ijosar-727	179	3	of	of	ADP
ijosar-727	179	4	commerce	commerce	PROPN
ijosar-727	179	5	august	august	PROPN
ijosar-727	179	6	14	14	NUM
ijosar-727	179	7	,	,	PUNCT
ijosar-727	179	8	2004	2004	NUM
ijosar-727	179	9	pvb	pvb	NOUN
ijosar-727	179	10	to	to	ADP
ijosar-727	179	11	psb	psb	PROPN
ijosar-727	179	12	8	8	PROPN
ijosar-727	179	13	ganesh	ganesh	PROPN
ijosar-727	179	14	bank	bank	PROPN
ijosar-727	179	15	of	of	ADP
ijosar-727	179	16	kurundwad	kurundwad	PROPN
ijosar-727	179	17	ltd	ltd	PROPN
ijosar-727	179	18	.	.	PROPN
ijosar-727	179	19	federal	federal	PROPN
ijosar-727	179	20	bank	bank	PROPN
ijosar-727	179	21	ltd	ltd	PROPN
ijosar-727	179	22	.	.	PROPN
ijosar-727	179	23	september	september	PROPN
ijosar-727	179	24	2	2	NUM
ijosar-727	179	25	,	,	PUNCT
ijosar-727	179	26	2006	2006	NUM
ijosar-727	179	27	pvb	pvb	NOUN
ijosar-727	179	28	to	to	ADP
ijosar-727	179	29	pvb	pvb	PROPN
ijosar-727	179	30	9	9	NUM
ijosar-727	179	31	united	united	PROPN
ijosar-727	179	32	western	western	PROPN
ijosar-727	179	33	bank	bank	PROPN
ijosar-727	179	34	ltd	ltd	PROPN
ijosar-727	179	35	.	.	PROPN
ijosar-727	179	36	idbi	idbi	PROPN
ijosar-727	179	37	ltd	ltd	PROPN
ijosar-727	179	38	.	.	PROPN
ijosar-727	179	39	october	october	PROPN
ijosar-727	179	40	3	3	NUM
ijosar-727	179	41	,	,	PUNCT
ijosar-727	179	42	2006	2006	NUM
ijosar-727	179	43	pvb	pvb	NOUN
ijosar-727	179	44	to	to	ADP
ijosar-727	179	45	psb	psb	PROPN
ijosar-727	179	46	10	10	NUM
ijosar-727	179	47	bharat	bharat	PROPN
ijosar-727	179	48	overseas	overseas	PROPN
ijosar-727	179	49	bank	bank	PROPN
ijosar-727	179	50	ltd	ltd	PROPN
ijosar-727	179	51	.	.	PROPN
ijosar-727	180	1	indian	indian	PROPN
ijosar-727	180	2	overseas	overseas	PROPN
ijosar-727	180	3	bank	bank	PROPN
ijosar-727	180	4	march	march	PROPN
ijosar-727	180	5	31	31	NUM
ijosar-727	180	6	,	,	PUNCT
ijosar-727	180	7	2007	2007	NUM
ijosar-727	180	8	pvb	pvb	NOUN
ijosar-727	180	9	to	to	ADP
ijosar-727	180	10	pvb	pvb	PROPN
ijosar-727	180	11	11	11	NUM
ijosar-727	180	12	sangli	sangli	PROPN
ijosar-727	180	13	bank	bank	PROPN
ijosar-727	180	14	ltd	ltd	PROPN
ijosar-727	180	15	.	.	PROPN
ijosar-727	180	16	icici	icici	PROPN
ijosar-727	180	17	bank	bank	PROPN
ijosar-727	180	18	ltd	ltd	PROPN
ijosar-727	180	19	.	.	PROPN
ijosar-727	180	20	april	april	PROPN
ijosar-727	180	21	19	19	NUM
ijosar-727	180	22	,	,	PUNCT
ijosar-727	180	23	2007	2007	NUM
ijosar-727	180	24	pvb	pvb	NOUN
ijosar-727	180	25	to	to	ADP
ijosar-727	180	26	pvb	pvb	PROPN
ijosar-727	180	27	12	12	NUM
ijosar-727	180	28	centurion	centurion	NOUN
ijosar-727	180	29	bank	bank	PROPN
ijosar-727	180	30	of	of	ADP
ijosar-727	180	31	punjab	punjab	PROPN
ijosar-727	180	32	ltd	ltd	PROPN
ijosar-727	180	33	.	.	PROPN
ijosar-727	180	34	hdfc	hdfc	PROPN
ijosar-727	180	35	bank	bank	PROPN
ijosar-727	180	36	ltd	ltd	PROPN
ijosar-727	180	37	.	.	PROPN
ijosar-727	180	38	may	may	AUX
ijosar-727	180	39	23	23	NUM
ijosar-727	180	40	,	,	PUNCT
ijosar-727	180	41	2008	2008	NUM
ijosar-727	180	42	pvb	pvb	NOUN
ijosar-727	180	43	to	to	ADP
ijosar-727	180	44	pvb	pvb	PROPN
ijosar-727	180	45	13	13	NUM
ijosar-727	180	46	state	state	NOUN
ijosar-727	180	47	bank	bank	PROPN
ijosar-727	180	48	of	of	ADP
ijosar-727	180	49	saurashtra	saurashtra	PROPN
ijosar-727	180	50	state	state	PROPN
ijosar-727	180	51	bank	bank	PROPN
ijosar-727	180	52	of	of	ADP
ijosar-727	180	53	india	india	PROPN
ijosar-727	180	54	august	august	PROPN
ijosar-727	180	55	13	13	NUM
ijosar-727	180	56	,	,	PUNCT
ijosar-727	180	57	2008	2008	NUM
ijosar-727	180	58	psb	psb	PROPN
ijosar-727	180	59	to	to	PART
ijosar-727	180	60	psb	psb	PROPN
ijosar-727	180	61	14	14	NUM
ijosar-727	180	62	bank	bank	PROPN
ijosar-727	180	63	of	of	ADP
ijosar-727	180	64	rajasthan	rajasthan	PROPN
ijosar-727	180	65	icici	icici	PROPN
ijosar-727	180	66	bank	bank	PROPN
ijosar-727	180	67	august	august	PROPN
ijosar-727	180	68	12	12	NUM
ijosar-727	180	69	,	,	PUNCT
ijosar-727	180	70	2010	2010	NUM
ijosar-727	180	71	pvb	pvb	NOUN
ijosar-727	180	72	to	to	ADP
ijosar-727	180	73	pvb	pvb	PROPN
ijosar-727	180	74	15	15	NUM
ijosar-727	180	75	state	state	NOUN
ijosar-727	180	76	bank	bank	PROPN
ijosar-727	180	77	of	of	ADP
ijosar-727	180	78	indore	indore	PROPN
ijosar-727	180	79	state	state	PROPN
ijosar-727	180	80	bank	bank	PROPN
ijosar-727	180	81	of	of	ADP
ijosar-727	180	82	india	india	PROPN
ijosar-727	180	83	august	august	PROPN
ijosar-727	180	84	26	26	NUM
ijosar-727	180	85	,	,	PUNCT
ijosar-727	180	86	2010	2010	NUM
ijosar-727	180	87	psb	psb	PROPN
ijosar-727	180	88	to	to	PART
ijosar-727	180	89	psb	psb	PROPN
ijosar-727	180	90	16	16	NUM
ijosar-727	180	91	ing	ing	PROPN
ijosar-727	180	92	vysya	vysya	PROPN
ijosar-727	180	93	bank	bank	PROPN
ijosar-727	180	94	kotak	kotak	PROPN
ijosar-727	180	95	mahindra	mahindra	PROPN
ijosar-727	180	96	bank	bank	PROPN
ijosar-727	180	97	april	april	PROPN
ijosar-727	180	98	01	01	NUM
ijosar-727	180	99	,	,	PUNCT
ijosar-727	180	100	2015	2015	NUM
ijosar-727	180	101	pvb	pvb	NOUN
ijosar-727	180	102	to	to	ADP
ijosar-727	180	103	pvb	pvb	PROPN
ijosar-727	180	104	17	17	NUM
ijosar-727	180	105	state	state	PROPN
ijosar-727	180	106	bank	bank	PROPN
ijosar-727	180	107	of	of	ADP
ijosar-727	180	108	bikaner	bikaner	PROPN
ijosar-727	180	109	and	and	CCONJ
ijosar-727	180	110	jaipur	jaipur	PROPN
ijosar-727	180	111	state	state	PROPN
ijosar-727	180	112	bank	bank	PROPN
ijosar-727	180	113	of	of	ADP
ijosar-727	180	114	hyderabad	hyderabad	PROPN
ijosar-727	180	115	state	state	PROPN
ijosar-727	180	116	bank	bank	PROPN
ijosar-727	180	117	of	of	ADP
ijosar-727	180	118	mysore	mysore	PROPN
ijosar-727	180	119	state	state	PROPN
ijosar-727	180	120	bank	bank	PROPN
ijosar-727	180	121	of	of	ADP
ijosar-727	180	122	patiala	patiala	PROPN
ijosar-727	180	123	state	state	PROPN
ijosar-727	180	124	bank	bank	PROPN
ijosar-727	180	125	of	of	ADP
ijosar-727	180	126	travancore	travancore	PROPN
ijosar-727	180	127	bhartiya	bhartiya	PROPN
ijosar-727	180	128	mahila	mahila	PROPN
ijosar-727	180	129	bank	bank	PROPN
ijosar-727	180	130	state	state	PROPN
ijosar-727	180	131	bank	bank	PROPN
ijosar-727	180	132	of	of	ADP
ijosar-727	180	133	india	india	PROPN
ijosar-727	180	134	april	april	PROPN
ijosar-727	180	135	01	01	NUM
ijosar-727	180	136	,	,	PUNCT
ijosar-727	180	137	2017	2017	NUM
ijosar-727	180	138	psb	psb	PROPN
ijosar-727	180	139	to	to	PART
ijosar-727	180	140	psb	psb	PROPN
ijosar-727	180	141	note	note	PROPN
ijosar-727	180	142	:	:	PUNCT
ijosar-727	180	143	psb	psb	PROPN
ijosar-727	180	144	:	:	PUNCT
ijosar-727	180	145	public	public	ADJ
ijosar-727	180	146	sector	sector	NOUN
ijosar-727	180	147	bank	bank	PROPN
ijosar-727	180	148	,	,	PUNCT
ijosar-727	180	149	pvb	pvb	PROPN
ijosar-727	180	150	:	:	PUNCT
ijosar-727	180	151	private	private	ADJ
ijosar-727	180	152	sector	sector	NOUN
ijosar-727	180	153	bank	bank	PROPN
ijosar-727	180	154	source	source	NOUN
ijosar-727	180	155	:	:	PUNCT
ijosar-727	180	156	strbi	strbi	NOUN
ijosar-727	180	157	,	,	PUNCT
ijosar-727	180	158	various	various	ADJ
ijosar-727	180	159	issues	issue	NOUN
ijosar-727	180	160	.	.	PUNCT
ijosar-727	181	1	ijointernational	ijointernational	ADJ
ijosar-727	181	2	journal	journal	NOUN
ijosar-727	181	3	of	of	ADP
ijosar-727	181	4	social	social	ADJ
ijosar-727	181	5	science	science	NOUN
ijosar-727	181	6	and	and	CCONJ
ijosar-727	181	7	humanities	humanity	NOUN
ijosar-727	181	8	research	research	NOUN
ijosar-727	181	9	(	(	PUNCT
ijosar-727	181	10	issn	issn	PROPN
ijosar-727	181	11	2811	2811	NUM
ijosar-727	181	12	-	-	SYM
ijosar-727	181	13	2466	2466	NUM
ijosar-727	181	14	)	)	PUNCT
ijosar-727	181	15	volume	volume	NOUN
ijosar-727	181	16	06	06	NUM
ijosar-727	182	1	|	|	ADV
ijosar-727	182	2	issue	issue	NOUN
ijosar-727	182	3	09	09	NUM
ijosar-727	182	4	|	|	ADV
ijosar-727	182	5	september	september	PROPN
ijosar-727	182	6	2023	2023	NUM
ijosar-727	183	1	|	|	NOUN
ijosar-727	183	2	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	183	3	7	7	NUM
ijosar-727	183	4	annex	annex	VERB
ijosar-727	183	5	ii	ii	NUM
ijosar-727	183	6	:	:	PUNCT
ijosar-727	183	7	list	list	NOUN
ijosar-727	183	8	of	of	ADP
ijosar-727	183	9	bank	bank	NOUN
ijosar-727	183	10	m&as	m&as	PROPN
ijosar-727	183	11	during	during	ADP
ijosar-727	183	12	2019	2019	NUM
ijosar-727	183	13	-	-	SYM
ijosar-727	183	14	2020	2020	NUM
ijosar-727	183	15	sr	sr	PROPN
ijosar-727	183	16	.	.	PUNCT
ijosar-727	184	1	no	no	INTJ
ijosar-727	184	2	.	.	PUNCT
ijosar-727	185	1	name	name	NOUN
ijosar-727	185	2	of	of	ADP
ijosar-727	185	3	transferor	transferor	NOUN
ijosar-727	185	4	bank/	bank/	NOUN
ijosar-727	185	5	institution	institution	NOUN
ijosar-727	185	6	name	name	NOUN
ijosar-727	185	7	of	of	ADP
ijosar-727	185	8	transferee	transferee	PROPN
ijosar-727	185	9	bank	bank	NOUN
ijosar-727	185	10	/	/	SYM
ijosar-727	185	11	institution	institution	NOUN
ijosar-727	185	12	official	official	ADJ
ijosar-727	185	13	announcement	announcement	NOUN
ijosar-727	185	14	date	date	NOUN
ijosar-727	185	15	date	date	NOUN
ijosar-727	185	16	of	of	ADP
ijosar-727	185	17	amalgamation	amalgamation	NOUN
ijosar-727	185	18	merger	merger	NOUN
ijosar-727	185	19	type	type	NOUN
ijosar-727	185	20	1	1	NUM
ijosar-727	185	21	vijaya	vijaya	PROPN
ijosar-727	185	22	bank	bank	PROPN
ijosar-727	185	23	dena	dena	PROPN
ijosar-727	185	24	bank	bank	PROPN
ijosar-727	185	25	bank	bank	PROPN
ijosar-727	185	26	of	of	ADP
ijosar-727	185	27	baroda	baroda	PROPN
ijosar-727	185	28	january	january	PROPN
ijosar-727	185	29	02	02	NUM
ijosar-727	185	30	,	,	PUNCT
ijosar-727	185	31	2019	2019	NUM
ijosar-727	185	32	april	april	PROPN
ijosar-727	185	33	01	01	NUM
ijosar-727	185	34	,	,	PUNCT
ijosar-727	185	35	2019	2019	NUM
ijosar-727	185	36	psb	psb	PROPN
ijosar-727	185	37	to	to	AUX
ijosar-727	185	38	psb	psb	PROPN
ijosar-727	185	39	2	2	NUM
ijosar-727	185	40	oriental	oriental	PROPN
ijosar-727	185	41	bank	bank	PROPN
ijosar-727	185	42	of	of	ADP
ijosar-727	185	43	commerce	commerce	PROPN
ijosar-727	185	44	united	united	PROPN
ijosar-727	185	45	bank	bank	PROPN
ijosar-727	185	46	of	of	ADP
ijosar-727	185	47	india	india	PROPN
ijosar-727	185	48	punjab	punjab	PROPN
ijosar-727	185	49	national	national	PROPN
ijosar-727	185	50	bank	bank	PROPN
ijosar-727	185	51	august	august	PROPN
ijosar-727	185	52	30	30	NUM
ijosar-727	185	53	,	,	PUNCT
ijosar-727	185	54	2019	2019	NUM
ijosar-727	185	55	april	april	PROPN
ijosar-727	185	56	01	01	NUM
ijosar-727	185	57	,	,	PUNCT
ijosar-727	185	58	2020	2020	NUM
ijosar-727	185	59	psb	psb	PROPN
ijosar-727	185	60	to	to	PART
ijosar-727	185	61	psb	psb	PROPN
ijosar-727	185	62	3	3	NUM
ijosar-727	185	63	syndicate	syndicate	PROPN
ijosar-727	185	64	bank	bank	PROPN
ijosar-727	185	65	canara	canara	PROPN
ijosar-727	185	66	bank	bank	PROPN
ijosar-727	185	67	august	august	PROPN
ijosar-727	185	68	30	30	NUM
ijosar-727	185	69	,	,	PUNCT
ijosar-727	185	70	2019	2019	NUM
ijosar-727	185	71	april	april	PROPN
ijosar-727	185	72	01	01	NUM
ijosar-727	185	73	,	,	PUNCT
ijosar-727	185	74	2020	2020	NUM
ijosar-727	185	75	psb	psb	PROPN
ijosar-727	185	76	to	to	PART
ijosar-727	185	77	psb	psb	PROPN
ijosar-727	185	78	4	4	NUM
ijosar-727	185	79	andhra	andhra	PROPN
ijosar-727	185	80	bank	bank	PROPN
ijosar-727	185	81	corporation	corporation	PROPN
ijosar-727	185	82	bank	bank	PROPN
ijosar-727	185	83	union	union	PROPN
ijosar-727	185	84	bank	bank	PROPN
ijosar-727	185	85	of	of	ADP
ijosar-727	185	86	india	india	PROPN
ijosar-727	185	87	august	august	PROPN
ijosar-727	185	88	30	30	NUM
ijosar-727	185	89	,	,	PUNCT
ijosar-727	185	90	2019	2019	NUM
ijosar-727	185	91	april	april	PROPN
ijosar-727	185	92	01	01	NUM
ijosar-727	185	93	,	,	PUNCT
ijosar-727	185	94	2020	2020	NUM
ijosar-727	185	95	psb	psb	PROPN
ijosar-727	185	96	to	to	PART
ijosar-727	185	97	psb	psb	PROPN
ijosar-727	185	98	5	5	NUM
ijosar-727	185	99	allahabad	allahabad	PROPN
ijosar-727	185	100	bank	bank	PROPN
ijosar-727	185	101	indian	indian	PROPN
ijosar-727	185	102	bank	bank	PROPN
ijosar-727	185	103	august	august	PROPN
ijosar-727	185	104	30	30	NUM
ijosar-727	185	105	,	,	PUNCT
ijosar-727	185	106	2019	2019	NUM
ijosar-727	185	107	april	april	PROPN
ijosar-727	185	108	01	01	NUM
ijosar-727	185	109	,	,	PUNCT
ijosar-727	185	110	2020	2020	NUM
ijosar-727	185	111	psb	psb	PROPN
ijosar-727	185	112	to	to	AUX
ijosar-727	185	113	psb	psb	PROPN
ijosar-727	185	114	note	note	VERB
ijosar-727	185	115	:	:	PUNCT
ijosar-727	185	116	the	the	DET
ijosar-727	185	117	merger	merger	NOUN
ijosar-727	185	118	between	between	ADP
ijosar-727	185	119	lakshmi	lakshmi	PROPN
ijosar-727	185	120	vilas	vilas	PROPN
ijosar-727	185	121	bank	bank	PROPN
ijosar-727	185	122	and	and	CCONJ
ijosar-727	185	123	dbs	dbs	PROPN
ijosar-727	185	124	india	india	PROPN
ijosar-727	185	125	pvt	pvt	PROPN
ijosar-727	185	126	.	.	PROPN
ijosar-727	185	127	ltd	ltd	PROPN
ijosar-727	185	128	.	.	PROPN
ijosar-727	185	129	,	,	PUNCT
ijosar-727	185	130	being	be	AUX
ijosar-727	185	131	a	a	DET
ijosar-727	185	132	m&a	m&a	PROPN
ijosar-727	185	133	transaction	transaction	NOUN
ijosar-727	185	134	between	between	ADP
ijosar-727	185	135	pvb	pvb	NOUN
ijosar-727	185	136	to	to	ADP
ijosar-727	185	137	fb	fb	INTJ
ijosar-727	185	138	,	,	PUNCT
ijosar-727	185	139	was	be	AUX
ijosar-727	185	140	not	not	PART
ijosar-727	185	141	considered	consider	VERB
ijosar-727	185	142	for	for	ADP
ijosar-727	185	143	the	the	DET
ijosar-727	185	144	study	study	NOUN
ijosar-727	185	145	source	source	NOUN
ijosar-727	185	146	:	:	PUNCT
ijosar-727	185	147	strbi	strbi	NOUN
ijosar-727	185	148	,	,	PUNCT
ijosar-727	185	149	various	various	ADJ
ijosar-727	185	150	issues	issue	NOUN
ijosar-727	185	151	.	.	PUNCT
ijosar-727	186	1	the	the	DET
ijosar-727	186	2	benefits	benefit	NOUN
ijosar-727	186	3	of	of	ADP
ijosar-727	186	4	bank	bank	NOUN
ijosar-727	186	5	mergers	merger	NOUN
ijosar-727	186	6	nearly	nearly	ADV
ijosar-727	186	7	every	every	PRON
ijosar-727	186	8	middle	middle	ADJ
ijosar-727	186	9	-	-	PUNCT
ijosar-727	186	10	market	market	NOUN
ijosar-727	186	11	bank	bank	NOUN
ijosar-727	186	12	in	in	ADP
ijosar-727	186	13	the	the	DET
ijosar-727	186	14	industry	industry	NOUN
ijosar-727	186	15	is	be	AUX
ijosar-727	186	16	looking	look	VERB
ijosar-727	186	17	to	to	PART
ijosar-727	186	18	either	either	CCONJ
ijosar-727	186	19	acquire	acquire	VERB
ijosar-727	186	20	another	another	DET
ijosar-727	186	21	bank	bank	NOUN
ijosar-727	186	22	or	or	CCONJ
ijosar-727	186	23	be	be	AUX
ijosar-727	186	24	acquired	acquire	VERB
ijosar-727	186	25	,	,	PUNCT
ijosar-727	186	26	and	and	CCONJ
ijosar-727	186	27	it	it	PRON
ijosar-727	186	28	’s	’	VERB
ijosar-727	186	29	likely	likely	ADJ
ijosar-727	186	30	that	that	SCONJ
ijosar-727	186	31	yours	yours	PRON
ijosar-727	186	32	is	be	AUX
ijosar-727	186	33	no	no	DET
ijosar-727	186	34	exception	exception	NOUN
ijosar-727	186	35	.	.	PUNCT
ijosar-727	187	1	many	many	ADJ
ijosar-727	187	2	banks	bank	NOUN
ijosar-727	187	3	see	see	VERB
ijosar-727	187	4	an	an	DET
ijosar-727	187	5	acquisition	acquisition	NOUN
ijosar-727	187	6	or	or	CCONJ
ijosar-727	187	7	merger	merger	NOUN
ijosar-727	187	8	as	as	ADP
ijosar-727	187	9	a	a	DET
ijosar-727	187	10	chance	chance	NOUN
ijosar-727	187	11	to	to	PART
ijosar-727	187	12	expand	expand	VERB
ijosar-727	187	13	their	their	PRON
ijosar-727	187	14	reach	reach	NOUN
ijosar-727	187	15	or	or	CCONJ
ijosar-727	187	16	scale	scale	VERB
ijosar-727	187	17	up	up	ADP
ijosar-727	187	18	operations	operation	NOUN
ijosar-727	187	19	quicker	quick	ADV
ijosar-727	187	20	.	.	PUNCT
ijosar-727	188	1	yet	yet	ADV
ijosar-727	188	2	,	,	PUNCT
ijosar-727	188	3	a	a	DET
ijosar-727	188	4	bank	bank	NOUN
ijosar-727	188	5	acquisition	acquisition	NOUN
ijosar-727	188	6	is	be	AUX
ijosar-727	188	7	not	not	PART
ijosar-727	188	8	without	without	ADP
ijosar-727	188	9	its	its	PRON
ijosar-727	188	10	drawbacks	drawback	NOUN
ijosar-727	188	11	as	as	ADV
ijosar-727	188	12	well	well	ADV
ijosar-727	188	13	–	–	PUNCT
ijosar-727	188	14	particularly	particularly	ADV
ijosar-727	188	15	for	for	ADP
ijosar-727	188	16	the	the	DET
ijosar-727	188	17	unprepared	unprepared	ADJ
ijosar-727	188	18	banking	banking	NOUN
ijosar-727	188	19	executive	executive	NOUN
ijosar-727	188	20	.	.	PUNCT
ijosar-727	189	1	scale	scale	VERB
ijosar-727	189	2	ijointernational	ijointernational	ADJ
ijosar-727	189	3	journal	journal	NOUN
ijosar-727	189	4	of	of	ADP
ijosar-727	189	5	social	social	ADJ
ijosar-727	189	6	science	science	NOUN
ijosar-727	189	7	and	and	CCONJ
ijosar-727	189	8	humanities	humanity	NOUN
ijosar-727	189	9	research	research	NOUN
ijosar-727	189	10	(	(	PUNCT
ijosar-727	189	11	issn	issn	PROPN
ijosar-727	189	12	2811	2811	NUM
ijosar-727	189	13	-	-	SYM
ijosar-727	189	14	2466	2466	NUM
ijosar-727	189	15	)	)	PUNCT
ijosar-727	189	16	volume	volume	NOUN
ijosar-727	189	17	06	06	NUM
ijosar-727	190	1	|	|	ADV
ijosar-727	190	2	issue	issue	NOUN
ijosar-727	190	3	09	09	NUM
ijosar-727	190	4	|	|	ADV
ijosar-727	190	5	september	september	PROPN
ijosar-727	190	6	2023	2023	NUM
ijosar-727	190	7	|	|	NOUN
ijosar-727	190	8	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	190	9	8	8	NUM
ijosar-727	190	10	a	a	DET
ijosar-727	190	11	bank	bank	NOUN
ijosar-727	190	12	merger	merger	NOUN
ijosar-727	190	13	helps	help	VERB
ijosar-727	190	14	your	your	PRON
ijosar-727	190	15	institution	institution	NOUN
ijosar-727	190	16	scale	scale	VERB
ijosar-727	190	17	up	up	ADP
ijosar-727	190	18	quickly	quickly	ADV
ijosar-727	190	19	and	and	CCONJ
ijosar-727	190	20	gain	gain	VERB
ijosar-727	190	21	a	a	DET
ijosar-727	190	22	large	large	ADJ
ijosar-727	190	23	number	number	NOUN
ijosar-727	190	24	of	of	ADP
ijosar-727	190	25	new	new	ADJ
ijosar-727	190	26	customers	customer	NOUN
ijosar-727	190	27	instantly	instantly	ADV
ijosar-727	190	28	.	.	PUNCT
ijosar-727	191	1	not	not	PART
ijosar-727	191	2	only	only	ADV
ijosar-727	191	3	does	do	AUX
ijosar-727	191	4	an	an	DET
ijosar-727	191	5	acquisition	acquisition	NOUN
ijosar-727	191	6	give	give	VERB
ijosar-727	191	7	your	your	PRON
ijosar-727	191	8	bank	bank	NOUN
ijosar-727	191	9	more	more	ADJ
ijosar-727	191	10	capital	capital	NOUN
ijosar-727	191	11	to	to	PART
ijosar-727	191	12	work	work	VERB
ijosar-727	191	13	with	with	ADP
ijosar-727	191	14	when	when	SCONJ
ijosar-727	191	15	it	it	PRON
ijosar-727	191	16	comes	come	VERB
ijosar-727	191	17	to	to	ADP
ijosar-727	191	18	lending	lending	NOUN
ijosar-727	191	19	and	and	CCONJ
ijosar-727	191	20	investments	investment	NOUN
ijosar-727	191	21	,	,	PUNCT
ijosar-727	191	22	but	but	CCONJ
ijosar-727	191	23	it	it	PRON
ijosar-727	191	24	also	also	ADV
ijosar-727	191	25	provides	provide	VERB
ijosar-727	191	26	a	a	DET
ijosar-727	191	27	broader	broad	ADJ
ijosar-727	191	28	geographic	geographic	ADJ
ijosar-727	191	29	footprint	footprint	NOUN
ijosar-727	191	30	in	in	ADP
ijosar-727	191	31	which	which	PRON
ijosar-727	191	32	to	to	PART
ijosar-727	191	33	operate	operate	VERB
ijosar-727	191	34	.	.	PUNCT
ijosar-727	192	1	that	that	DET
ijosar-727	192	2	way	way	NOUN
ijosar-727	192	3	,	,	PUNCT
ijosar-727	192	4	you	you	PRON
ijosar-727	192	5	achieve	achieve	VERB
ijosar-727	192	6	your	your	PRON
ijosar-727	192	7	growth	growth	NOUN
ijosar-727	192	8	goals	goal	NOUN
ijosar-727	192	9	quicker	quick	ADV
ijosar-727	192	10	.	.	PUNCT
ijosar-727	193	1	efficiency	efficiency	NOUN
ijosar-727	193	2	acquisitions	acquisition	NOUN
ijosar-727	193	3	also	also	ADV
ijosar-727	193	4	scale	scale	VERB
ijosar-727	193	5	your	your	PRON
ijosar-727	193	6	bank	bank	NOUN
ijosar-727	193	7	more	more	ADV
ijosar-727	193	8	efficiently	efficiently	ADV
ijosar-727	193	9	,	,	PUNCT
ijosar-727	193	10	not	not	PART
ijosar-727	193	11	just	just	ADV
ijosar-727	193	12	in	in	ADP
ijosar-727	193	13	terms	term	NOUN
ijosar-727	193	14	of	of	ADP
ijosar-727	193	15	your	your	PRON
ijosar-727	193	16	efficiency	efficiency	NOUN
ijosar-727	193	17	ratio	ratio	NOUN
ijosar-727	193	18	,	,	PUNCT
ijosar-727	193	19	but	but	CCONJ
ijosar-727	193	20	also	also	ADV
ijosar-727	193	21	in	in	ADP
ijosar-727	193	22	terms	term	NOUN
ijosar-727	193	23	of	of	ADP
ijosar-727	193	24	your	your	PRON
ijosar-727	193	25	banking	banking	NOUN
ijosar-727	193	26	operations	operation	NOUN
ijosar-727	193	27	.	.	PUNCT
ijosar-727	194	1	every	every	DET
ijosar-727	194	2	bank	bank	NOUN
ijosar-727	194	3	has	have	VERB
ijosar-727	194	4	an	an	DET
ijosar-727	194	5	infrastructure	infrastructure	NOUN
ijosar-727	194	6	in	in	ADP
ijosar-727	194	7	place	place	NOUN
ijosar-727	194	8	for	for	ADP
ijosar-727	194	9	compliance	compliance	NOUN
ijosar-727	194	10	,	,	PUNCT
ijosar-727	194	11	risk	risk	NOUN
ijosar-727	194	12	management	management	NOUN
ijosar-727	194	13	,	,	PUNCT
ijosar-727	194	14	accounting	accounting	NOUN
ijosar-727	194	15	,	,	PUNCT
ijosar-727	194	16	operations	operation	NOUN
ijosar-727	194	17	and	and	CCONJ
ijosar-727	194	18	it	it	PRON
ijosar-727	194	19	–	–	PUNCT
ijosar-727	194	20	and	and	CCONJ
ijosar-727	194	21	now	now	ADV
ijosar-727	194	22	that	that	SCONJ
ijosar-727	194	23	two	two	NUM
ijosar-727	194	24	banks	bank	NOUN
ijosar-727	194	25	have	have	AUX
ijosar-727	194	26	become	become	VERB
ijosar-727	194	27	one	one	NUM
ijosar-727	194	28	,	,	PUNCT
ijosar-727	194	29	you	you	PRON
ijosar-727	194	30	’re	’re	VERB
ijosar-727	194	31	able	able	ADJ
ijosar-727	194	32	to	to	PART
ijosar-727	194	33	more	more	ADV
ijosar-727	194	34	efficiently	efficiently	ADV
ijosar-727	194	35	consolidate	consolidate	VERB
ijosar-727	194	36	and	and	CCONJ
ijosar-727	194	37	administer	administer	VERB
ijosar-727	194	38	those	those	DET
ijosar-727	194	39	operational	operational	ADJ
ijosar-727	194	40	infrastructures	infrastructure	NOUN
ijosar-727	194	41	.	.	PUNCT
ijosar-727	195	1	financially	financially	ADV
ijosar-727	195	2	,	,	PUNCT
ijosar-727	195	3	a	a	DET
ijosar-727	195	4	larger	large	ADJ
ijosar-727	195	5	bank	bank	NOUN
ijosar-727	195	6	has	have	VERB
ijosar-727	195	7	a	a	DET
ijosar-727	195	8	lower	low	ADJ
ijosar-727	195	9	aggregated	aggregate	VERB
ijosar-727	195	10	risk	risk	NOUN
ijosar-727	195	11	profile	profile	NOUN
ijosar-727	195	12	since	since	SCONJ
ijosar-727	195	13	a	a	DET
ijosar-727	195	14	larger	large	ADJ
ijosar-727	195	15	number	number	NOUN
ijosar-727	195	16	of	of	ADP
ijosar-727	195	17	similar	similar	ADJ
ijosar-727	195	18	-	-	PUNCT
ijosar-727	195	19	risk	risk	NOUN
ijosar-727	195	20	,	,	PUNCT
ijosar-727	195	21	complimentary	complimentary	ADJ
ijosar-727	195	22	loans	loan	NOUN
ijosar-727	195	23	decrease	decrease	VERB
ijosar-727	195	24	overall	overall	ADJ
ijosar-727	195	25	institutional	institutional	ADJ
ijosar-727	195	26	risk	risk	NOUN
ijosar-727	195	27	.	.	PUNCT
ijosar-727	196	1	business	business	NOUN
ijosar-727	196	2	gaps	gap	NOUN
ijosar-727	196	3	filled	fill	VERB
ijosar-727	196	4	bank	bank	NOUN
ijosar-727	196	5	mergers	merger	NOUN
ijosar-727	196	6	and	and	CCONJ
ijosar-727	196	7	acquisitions	acquisition	NOUN
ijosar-727	196	8	empower	empower	VERB
ijosar-727	196	9	your	your	PRON
ijosar-727	196	10	business	business	NOUN
ijosar-727	196	11	to	to	PART
ijosar-727	196	12	fill	fill	VERB
ijosar-727	196	13	product	product	NOUN
ijosar-727	196	14	or	or	CCONJ
ijosar-727	196	15	technology	technology	NOUN
ijosar-727	196	16	gaps	gap	NOUN
ijosar-727	196	17	.	.	PUNCT
ijosar-727	197	1	acquiring	acquire	VERB
ijosar-727	197	2	a	a	DET
ijosar-727	197	3	smaller	small	ADJ
ijosar-727	197	4	bank	bank	NOUN
ijosar-727	197	5	that	that	PRON
ijosar-727	197	6	offers	offer	VERB
ijosar-727	197	7	a	a	DET
ijosar-727	197	8	unique	unique	ADJ
ijosar-727	197	9	revenue	revenue	NOUN
ijosar-727	197	10	model	model	NOUN
ijosar-727	197	11	or	or	CCONJ
ijosar-727	197	12	financial	financial	ADJ
ijosar-727	197	13	product	product	NOUN
ijosar-727	197	14	is	be	AUX
ijosar-727	197	15	sometimes	sometimes	ADV
ijosar-727	197	16	easier	easy	ADJ
ijosar-727	197	17	than	than	ADP
ijosar-727	197	18	building	build	VERB
ijosar-727	197	19	that	that	DET
ijosar-727	197	20	business	business	NOUN
ijosar-727	197	21	unit	unit	NOUN
ijosar-727	197	22	from	from	ADP
ijosar-727	197	23	scratch	scratch	PROPN
ijosar-727	197	24	.	.	PUNCT
ijosar-727	198	1	and	and	CCONJ
ijosar-727	198	2	,	,	PUNCT
ijosar-727	198	3	from	from	ADP
ijosar-727	198	4	a	a	DET
ijosar-727	198	5	technology	technology	NOUN
ijosar-727	198	6	perspective	perspective	NOUN
ijosar-727	198	7	,	,	PUNCT
ijosar-727	198	8	being	be	AUX
ijosar-727	198	9	acquired	acquire	VERB
ijosar-727	198	10	by	by	ADP
ijosar-727	198	11	a	a	DET
ijosar-727	198	12	larger	large	ADJ
ijosar-727	198	13	bank	bank	NOUN
ijosar-727	198	14	might	might	AUX
ijosar-727	198	15	allow	allow	VERB
ijosar-727	198	16	your	your	PRON
ijosar-727	198	17	institution	institution	NOUN
ijosar-727	198	18	to	to	PART
ijosar-727	198	19	upgrade	upgrade	VERB
ijosar-727	198	20	its	its	PRON
ijosar-727	198	21	technology	technology	NOUN
ijosar-727	198	22	platform	platform	NOUN
ijosar-727	198	23	significantly	significantly	ADV
ijosar-727	198	24	.	.	PUNCT
ijosar-727	199	1	talent	talent	NOUN
ijosar-727	199	2	and	and	CCONJ
ijosar-727	199	3	team	team	NOUN
ijosar-727	199	4	upgrade	upgrade	VERB
ijosar-727	199	5	while	while	SCONJ
ijosar-727	199	6	not	not	PART
ijosar-727	199	7	a	a	DET
ijosar-727	199	8	factor	factor	NOUN
ijosar-727	199	9	on	on	ADP
ijosar-727	199	10	the	the	DET
ijosar-727	199	11	balance	balance	NOUN
ijosar-727	199	12	sheet	sheet	NOUN
ijosar-727	199	13	,	,	PUNCT
ijosar-727	199	14	every	every	DET
ijosar-727	199	15	bank	bank	NOUN
ijosar-727	199	16	benefits	benefit	VERB
ijosar-727	199	17	from	from	ADP
ijosar-727	199	18	a	a	DET
ijosar-727	199	19	merger	merger	NOUN
ijosar-727	199	20	or	or	CCONJ
ijosar-727	199	21	acquisition	acquisition	NOUN
ijosar-727	199	22	because	because	SCONJ
ijosar-727	199	23	of	of	ADP
ijosar-727	199	24	the	the	DET
ijosar-727	199	25	increase	increase	NOUN
ijosar-727	199	26	in	in	ADP
ijosar-727	199	27	talent	talent	NOUN
ijosar-727	199	28	at	at	ADP
ijosar-727	199	29	leadership	leadership	NOUN
ijosar-727	199	30	’s	’s	PART
ijosar-727	199	31	disposal	disposal	NOUN
ijosar-727	199	32	.	.	PUNCT
ijosar-727	200	1	an	an	DET
ijosar-727	200	2	acquisition	acquisition	NOUN
ijosar-727	200	3	presents	present	VERB
ijosar-727	200	4	the	the	DET
ijosar-727	200	5	possibility	possibility	NOUN
ijosar-727	200	6	of	of	ADP
ijosar-727	200	7	bolstering	bolster	VERB
ijosar-727	200	8	your	your	PRON
ijosar-727	200	9	sales	sale	NOUN
ijosar-727	200	10	team	team	NOUN
ijosar-727	200	11	or	or	CCONJ
ijosar-727	200	12	strengthening	strengthen	VERB
ijosar-727	200	13	your	your	PRON
ijosar-727	200	14	team	team	NOUN
ijosar-727	200	15	of	of	ADP
ijosar-727	200	16	top	top	ADJ
ijosar-727	200	17	managers	manager	NOUN
ijosar-727	200	18	,	,	PUNCT
ijosar-727	200	19	and	and	CCONJ
ijosar-727	200	20	this	this	DET
ijosar-727	200	21	human	human	ADJ
ijosar-727	200	22	element	element	NOUN
ijosar-727	200	23	should	should	AUX
ijosar-727	200	24	not	not	PART
ijosar-727	200	25	be	be	AUX
ijosar-727	200	26	ignored	ignore	VERB
ijosar-727	200	27	or	or	CCONJ
ijosar-727	200	28	downplayed	downplay	VERB
ijosar-727	200	29	.	.	PUNCT
ijosar-727	201	1	disadvantages	disadvantage	NOUN
ijosar-727	201	2	:	:	PUNCT
ijosar-727	201	3	poor	poor	ADJ
ijosar-727	201	4	culture	culture	NOUN
ijosar-727	201	5	fit	fit	ADJ
ijosar-727	201	6	plenty	plenty	NOUN
ijosar-727	201	7	of	of	ADP
ijosar-727	201	8	prospective	prospective	ADJ
ijosar-727	201	9	bank	bank	NOUN
ijosar-727	201	10	mergers	merger	NOUN
ijosar-727	201	11	and	and	CCONJ
ijosar-727	201	12	acquisitions	acquisition	NOUN
ijosar-727	201	13	only	only	ADV
ijosar-727	201	14	look	look	VERB
ijosar-727	201	15	at	at	ADP
ijosar-727	201	16	the	the	DET
ijosar-727	201	17	two	two	NUM
ijosar-727	201	18	banks	bank	NOUN
ijosar-727	201	19	on	on	ADP
ijosar-727	201	20	paper	paper	NOUN
ijosar-727	201	21	–	–	PUNCT
ijosar-727	201	22	without	without	ADP
ijosar-727	201	23	taking	take	VERB
ijosar-727	201	24	their	their	PRON
ijosar-727	201	25	people	people	NOUN
ijosar-727	201	26	or	or	CCONJ
ijosar-727	201	27	culture	culture	NOUN
ijosar-727	201	28	into	into	ADP
ijosar-727	201	29	account	account	NOUN
ijosar-727	201	30	.	.	PUNCT
ijosar-727	202	1	failure	failure	NOUN
ijosar-727	202	2	to	to	PART
ijosar-727	202	3	assess	assess	VERB
ijosar-727	202	4	cultural	cultural	ADJ
ijosar-727	202	5	fit	fit	NOUN
ijosar-727	202	6	(	(	PUNCT
ijosar-727	202	7	not	not	PART
ijosar-727	202	8	just	just	ADV
ijosar-727	202	9	financial	financial	ADJ
ijosar-727	202	10	fit	fit	NOUN
ijosar-727	202	11	)	)	PUNCT
ijosar-727	202	12	is	be	AUX
ijosar-727	202	13	one	one	NUM
ijosar-727	202	14	reason	reason	NOUN
ijosar-727	202	15	why	why	SCONJ
ijosar-727	202	16	many	many	ADJ
ijosar-727	202	17	bank	bank	NOUN
ijosar-727	202	18	mergers	merger	NOUN
ijosar-727	202	19	ultimately	ultimately	ADV
ijosar-727	202	20	fail	fail	VERB
ijosar-727	202	21	.	.	PUNCT
ijosar-727	203	1	throughout	throughout	ADP
ijosar-727	203	2	the	the	DET
ijosar-727	203	3	merger	merger	NOUN
ijosar-727	203	4	and	and	CCONJ
ijosar-727	203	5	acquisition	acquisition	NOUN
ijosar-727	203	6	process	process	NOUN
ijosar-727	203	7	,	,	PUNCT
ijosar-727	203	8	be	be	AUX
ijosar-727	203	9	sure	sure	ADJ
ijosar-727	203	10	to	to	PART
ijosar-727	203	11	thoroughly	thoroughly	ADV
ijosar-727	203	12	communicate	communicate	VERB
ijosar-727	203	13	and	and	CCONJ
ijosar-727	203	14	double	double	ADJ
ijosar-727	203	15	-	-	PUNCT
ijosar-727	203	16	check	check	NOUN
ijosar-727	203	17	that	that	PRON
ijosar-727	203	18	employees	employee	NOUN
ijosar-727	203	19	are	be	AUX
ijosar-727	203	20	adapting	adapt	VERB
ijosar-727	203	21	to	to	ADP
ijosar-727	203	22	the	the	DET
ijosar-727	203	23	change	change	NOUN
ijosar-727	203	24	.	.	PUNCT
ijosar-727	204	1	not	not	PART
ijosar-727	204	2	enough	enough	ADJ
ijosar-727	204	3	commitment	commitment	NOUN
ijosar-727	204	4	execution	execution	NOUN
ijosar-727	204	5	risk	risk	NOUN
ijosar-727	204	6	is	be	AUX
ijosar-727	204	7	another	another	DET
ijosar-727	204	8	major	major	ADJ
ijosar-727	204	9	danger	danger	NOUN
ijosar-727	204	10	in	in	ADP
ijosar-727	204	11	bank	bank	NOUN
ijosar-727	204	12	mergers	merger	NOUN
ijosar-727	204	13	.	.	PUNCT
ijosar-727	205	1	in	in	ADP
ijosar-727	205	2	some	some	DET
ijosar-727	205	3	cases	case	NOUN
ijosar-727	205	4	,	,	PUNCT
ijosar-727	205	5	banking	banking	NOUN
ijosar-727	205	6	executives	executive	NOUN
ijosar-727	205	7	do	do	AUX
ijosar-727	205	8	n’t	not	PART
ijosar-727	205	9	commit	commit	VERB
ijosar-727	205	10	enough	enough	ADJ
ijosar-727	205	11	time	time	NOUN
ijosar-727	205	12	and	and	CCONJ
ijosar-727	205	13	resources	resource	NOUN
ijosar-727	205	14	into	into	ADP
ijosar-727	205	15	bringing	bring	VERB
ijosar-727	205	16	the	the	DET
ijosar-727	205	17	two	two	NUM
ijosar-727	205	18	banking	banking	NOUN
ijosar-727	205	19	platforms	platform	NOUN
ijosar-727	205	20	together	together	ADV
ijosar-727	205	21	–	–	PUNCT
ijosar-727	205	22	and	and	CCONJ
ijosar-727	205	23	the	the	DET
ijosar-727	205	24	resulting	result	VERB
ijosar-727	205	25	impact	impact	NOUN
ijosar-727	205	26	on	on	ADP
ijosar-727	205	27	their	their	PRON
ijosar-727	205	28	customers	customer	NOUN
ijosar-727	205	29	causes	cause	VERB
ijosar-727	205	30	the	the	DET
ijosar-727	205	31	newly	newly	ADV
ijosar-727	205	32	merged	merge	VERB
ijosar-727	205	33	bank	bank	NOUN
ijosar-727	205	34	to	to	PART
ijosar-727	205	35	fail	fail	VERB
ijosar-727	205	36	completely	completely	ADV
ijosar-727	205	37	.	.	PUNCT
ijosar-727	206	1	ijointernational	ijointernational	ADJ
ijosar-727	206	2	journal	journal	NOUN
ijosar-727	206	3	of	of	ADP
ijosar-727	206	4	social	social	ADJ
ijosar-727	206	5	science	science	NOUN
ijosar-727	206	6	and	and	CCONJ
ijosar-727	206	7	humanities	humanity	NOUN
ijosar-727	206	8	research	research	NOUN
ijosar-727	206	9	(	(	PUNCT
ijosar-727	206	10	issn	issn	PROPN
ijosar-727	206	11	2811	2811	NUM
ijosar-727	206	12	-	-	SYM
ijosar-727	206	13	2466	2466	NUM
ijosar-727	206	14	)	)	PUNCT
ijosar-727	206	15	volume	volume	NOUN
ijosar-727	206	16	06	06	NUM
ijosar-727	207	1	|	|	ADV
ijosar-727	207	2	issue	issue	NOUN
ijosar-727	207	3	09	09	NUM
ijosar-727	207	4	|	|	ADV
ijosar-727	207	5	september	september	PROPN
ijosar-727	207	6	2023	2023	NUM
ijosar-727	207	7	|	|	NOUN
ijosar-727	207	8	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	207	9	9	9	NUM
ijosar-727	207	10	avoid	avoid	VERB
ijosar-727	207	11	this	this	DET
ijosar-727	207	12	mistake	mistake	NOUN
ijosar-727	207	13	by	by	ADP
ijosar-727	207	14	dedicating	dedicate	VERB
ijosar-727	207	15	enough	enough	ADJ
ijosar-727	207	16	resources	resource	NOUN
ijosar-727	207	17	for	for	ADP
ijosar-727	207	18	a	a	DET
ijosar-727	207	19	full	full	ADJ
ijosar-727	207	20	integration	integration	NOUN
ijosar-727	207	21	of	of	ADP
ijosar-727	207	22	the	the	DET
ijosar-727	207	23	two	two	NUM
ijosar-727	207	24	financial	financial	ADJ
ijosar-727	207	25	institutions	institution	NOUN
ijosar-727	207	26	.	.	PUNCT
ijosar-727	208	1	customer	customer	NOUN
ijosar-727	208	2	impact	impact	NOUN
ijosar-727	208	3	and	and	CCONJ
ijosar-727	208	4	perception	perception	NOUN
ijosar-727	208	5	while	while	SCONJ
ijosar-727	208	6	undergoing	undergo	VERB
ijosar-727	208	7	an	an	DET
ijosar-727	208	8	m&a	m&a	PROPN
ijosar-727	208	9	event	event	NOUN
ijosar-727	208	10	at	at	ADP
ijosar-727	208	11	your	your	PRON
ijosar-727	208	12	bank	bank	NOUN
ijosar-727	208	13	,	,	PUNCT
ijosar-727	208	14	it	it	PRON
ijosar-727	208	15	’s	’	VERB
ijosar-727	208	16	critical	critical	ADJ
ijosar-727	208	17	that	that	SCONJ
ijosar-727	208	18	you	you	PRON
ijosar-727	208	19	pay	pay	VERB
ijosar-727	208	20	attention	attention	NOUN
ijosar-727	208	21	to	to	ADP
ijosar-727	208	22	the	the	DET
ijosar-727	208	23	impact	impact	NOUN
ijosar-727	208	24	it	it	PRON
ijosar-727	208	25	has	have	VERB
ijosar-727	208	26	on	on	ADP
ijosar-727	208	27	your	your	PRON
ijosar-727	208	28	customers	customer	NOUN
ijosar-727	208	29	.	.	PUNCT
ijosar-727	209	1	especially	especially	ADV
ijosar-727	209	2	with	with	ADP
ijosar-727	209	3	smaller	small	ADJ
ijosar-727	209	4	community	community	NOUN
ijosar-727	209	5	banks	bank	NOUN
ijosar-727	209	6	,	,	PUNCT
ijosar-727	209	7	customers	customer	NOUN
ijosar-727	209	8	often	often	ADV
ijosar-727	209	9	respond	respond	VERB
ijosar-727	209	10	very	very	ADV
ijosar-727	209	11	emotionally	emotionally	ADV
ijosar-727	209	12	to	to	ADP
ijosar-727	209	13	a	a	DET
ijosar-727	209	14	bank	bank	NOUN
ijosar-727	209	15	acquisition	acquisition	NOUN
ijosar-727	209	16	–	–	PUNCT
ijosar-727	209	17	so	so	ADV
ijosar-727	209	18	it	it	PRON
ijosar-727	209	19	’s	’	VERB
ijosar-727	209	20	essential	essential	ADJ
ijosar-727	209	21	that	that	SCONJ
ijosar-727	209	22	you	you	PRON
ijosar-727	209	23	manage	manage	VERB
ijosar-727	209	24	customer	customer	NOUN
ijosar-727	209	25	perception	perception	NOUN
ijosar-727	209	26	with	with	ADP
ijosar-727	209	27	regular	regular	ADJ
ijosar-727	209	28	,	,	PUNCT
ijosar-727	209	29	careful	careful	ADJ
ijosar-727	209	30	communication	communication	NOUN
ijosar-727	209	31	.	.	PUNCT
ijosar-727	210	1	and	and	CCONJ
ijosar-727	210	2	once	once	SCONJ
ijosar-727	210	3	the	the	DET
ijosar-727	210	4	merger	merger	NOUN
ijosar-727	210	5	or	or	CCONJ
ijosar-727	210	6	acquisition	acquisition	NOUN
ijosar-727	210	7	is	be	AUX
ijosar-727	210	8	fully	fully	ADV
ijosar-727	210	9	underway	underway	ADJ
ijosar-727	210	10	,	,	PUNCT
ijosar-727	210	11	remember	remember	VERB
ijosar-727	210	12	to	to	PART
ijosar-727	210	13	consider	consider	VERB
ijosar-727	210	14	the	the	DET
ijosar-727	210	15	impact	impact	NOUN
ijosar-727	210	16	on	on	ADP
ijosar-727	210	17	your	your	PRON
ijosar-727	210	18	customers	customer	NOUN
ijosar-727	210	19	at	at	ADP
ijosar-727	210	20	every	every	DET
ijosar-727	210	21	stage	stage	NOUN
ijosar-727	210	22	:	:	PUNCT
ijosar-727	210	23	anything	anything	PRON
ijosar-727	210	24	from	from	ADP
ijosar-727	210	25	changing	change	VERB
ijosar-727	210	26	technology	technology	NOUN
ijosar-727	210	27	platforms	platform	NOUN
ijosar-727	210	28	to	to	ADP
ijosar-727	210	29	financial	financial	ADJ
ijosar-727	210	30	products	product	NOUN
ijosar-727	210	31	could	could	AUX
ijosar-727	210	32	impact	impact	VERB
ijosar-727	210	33	your	your	PRON
ijosar-727	210	34	customers	customer	NOUN
ijosar-727	210	35	negatively	negatively	ADV
ijosar-727	210	36	if	if	SCONJ
ijosar-727	210	37	you	you	PRON
ijosar-727	210	38	do	do	AUX
ijosar-727	210	39	n’t	not	PART
ijosar-727	210	40	pay	pay	VERB
ijosar-727	210	41	attention	attention	NOUN
ijosar-727	210	42	.	.	PUNCT
ijosar-727	211	1	compliance	compliance	NOUN
ijosar-727	211	2	and	and	CCONJ
ijosar-727	211	3	risk	risk	NOUN
ijosar-727	211	4	consistency	consistency	NOUN
ijosar-727	211	5	a	a	DET
ijosar-727	211	6	final	final	ADJ
ijosar-727	211	7	danger	danger	NOUN
ijosar-727	211	8	to	to	PART
ijosar-727	211	9	consider	consider	VERB
ijosar-727	211	10	during	during	ADP
ijosar-727	211	11	your	your	PRON
ijosar-727	211	12	next	next	ADJ
ijosar-727	211	13	merger	merger	NOUN
ijosar-727	211	14	or	or	CCONJ
ijosar-727	211	15	acquisition	acquisition	NOUN
ijosar-727	211	16	is	be	AUX
ijosar-727	211	17	the	the	DET
ijosar-727	211	18	risk	risk	NOUN
ijosar-727	211	19	and	and	CCONJ
ijosar-727	211	20	compliance	compliance	NOUN
ijosar-727	211	21	culture	culture	NOUN
ijosar-727	211	22	of	of	ADP
ijosar-727	211	23	each	each	DET
ijosar-727	211	24	bank	bank	NOUN
ijosar-727	211	25	involved	involve	VERB
ijosar-727	211	26	.	.	PUNCT
ijosar-727	212	1	every	every	DET
ijosar-727	212	2	financial	financial	ADJ
ijosar-727	212	3	institution	institution	NOUN
ijosar-727	212	4	handlesbanking	handlesbanke	VERB
ijosar-727	212	5	compliance	compliance	NOUN
ijosar-727	212	6	and	and	CCONJ
ijosar-727	212	7	federal	federal	ADJ
ijosar-727	212	8	banking	banking	NOUN
ijosar-727	212	9	regulations	regulation	NOUN
ijosar-727	212	10	differently	differently	ADV
ijosar-727	212	11	,	,	PUNCT
ijosar-727	212	12	but	but	CCONJ
ijosar-727	212	13	it	it	PRON
ijosar-727	212	14	’s	’	VERB
ijosar-727	212	15	important	important	ADJ
ijosar-727	212	16	that	that	SCONJ
ijosar-727	212	17	the	the	DET
ijosar-727	212	18	two	two	NUM
ijosar-727	212	19	merging	merge	VERB
ijosar-727	212	20	banks	bank	NOUN
ijosar-727	212	21	agree	agree	VERB
ijosar-727	212	22	on	on	ADP
ijosar-727	212	23	their	their	PRON
ijosar-727	212	24	approach	approach	NOUN
ijosar-727	212	25	moving	move	VERB
ijosar-727	212	26	forward	forward	ADV
ijosar-727	212	27	.	.	PUNCT
ijosar-727	213	1	when	when	SCONJ
ijosar-727	213	2	two	two	NUM
ijosar-727	213	3	mismatched	mismatched	ADJ
ijosar-727	213	4	risk	risk	NOUN
ijosar-727	213	5	cultures	culture	NOUN
ijosar-727	213	6	clash	clash	VERB
ijosar-727	213	7	during	during	ADP
ijosar-727	213	8	a	a	DET
ijosar-727	213	9	bank	bank	NOUN
ijosar-727	213	10	merger	merger	NOUN
ijosar-727	213	11	,	,	PUNCT
ijosar-727	213	12	it	it	PRON
ijosar-727	213	13	negatively	negatively	ADV
ijosar-727	213	14	affects	affect	VERB
ijosar-727	213	15	the	the	DET
ijosar-727	213	16	profitability	profitability	NOUN
ijosar-727	213	17	of	of	ADP
ijosar-727	213	18	the	the	DET
ijosar-727	213	19	business	business	NOUN
ijosar-727	213	20	down	down	ADP
ijosar-727	213	21	the	the	DET
ijosar-727	213	22	road	road	NOUN
ijosar-727	213	23	if	if	SCONJ
ijosar-727	213	24	they	they	PRON
ijosar-727	213	25	have	have	AUX
ijosar-727	213	26	n’t	not	PART
ijosar-727	213	27	come	come	VERB
ijosar-727	213	28	to	to	ADP
ijosar-727	213	29	a	a	DET
ijosar-727	213	30	working	work	VERB
ijosar-727	213	31	solution	solution	NOUN
ijosar-727	213	32	.	.	PUNCT
ijosar-727	214	1	bank	bank	NOUN
ijosar-727	214	2	mergers	merger	NOUN
ijosar-727	214	3	and	and	CCONJ
ijosar-727	214	4	acquisitions	acquisition	NOUN
ijosar-727	214	5	are	be	AUX
ijosar-727	214	6	complex	complex	ADJ
ijosar-727	214	7	procedures	procedure	NOUN
ijosar-727	214	8	with	with	ADP
ijosar-727	214	9	the	the	DET
ijosar-727	214	10	possibility	possibility	NOUN
ijosar-727	214	11	of	of	ADP
ijosar-727	214	12	extraordinary	extraordinary	ADJ
ijosar-727	214	13	payoff	payoff	NOUN
ijosar-727	214	14	–	–	PUNCT
ijosar-727	214	15	or	or	CCONJ
ijosar-727	214	16	extraordinary	extraordinary	ADJ
ijosar-727	214	17	peril	peril	NOUN
ijosar-727	214	18	–	–	PUNCT
ijosar-727	214	19	so	so	ADV
ijosar-727	214	20	it	it	PRON
ijosar-727	214	21	’s	’	VERB
ijosar-727	214	22	important	important	ADJ
ijosar-727	214	23	that	that	SCONJ
ijosar-727	214	24	you	you	PRON
ijosar-727	214	25	handle	handle	VERB
ijosar-727	214	26	your	your	PRON
ijosar-727	214	27	upcoming	upcoming	ADJ
ijosar-727	214	28	m&a	m&a	PROPN
ijosar-727	214	29	event	event	NOUN
ijosar-727	214	30	with	with	ADP
ijosar-727	214	31	care	care	NOUN
ijosar-727	214	32	.	.	PUNCT
ijosar-727	215	1	keep	keep	VERB
ijosar-727	215	2	these	these	DET
ijosar-727	215	3	benefits	benefit	NOUN
ijosar-727	215	4	and	and	CCONJ
ijosar-727	215	5	dangers	danger	NOUN
ijosar-727	215	6	in	in	ADP
ijosar-727	215	7	mind	mind	NOUN
ijosar-727	215	8	as	as	SCONJ
ijosar-727	215	9	you	you	PRON
ijosar-727	215	10	combine	combine	VERB
ijosar-727	215	11	the	the	DET
ijosar-727	215	12	processes	process	NOUN
ijosar-727	215	13	of	of	ADP
ijosar-727	215	14	each	each	DET
ijosar-727	215	15	different	different	ADJ
ijosar-727	215	16	bank	bank	NOUN
ijosar-727	215	17	,	,	PUNCT
ijosar-727	215	18	and	and	CCONJ
ijosar-727	215	19	you	you	PRON
ijosar-727	215	20	’ll	’ll	AUX
ijosar-727	215	21	be	be	AUX
ijosar-727	215	22	on	on	ADP
ijosar-727	215	23	your	your	PRON
ijosar-727	215	24	way	way	NOUN
ijosar-727	215	25	to	to	ADP
ijosar-727	215	26	a	a	DET
ijosar-727	215	27	successful	successful	ADJ
ijosar-727	215	28	merger	merger	NOUN
ijosar-727	215	29	or	or	CCONJ
ijosar-727	215	30	acquisition	acquisition	NOUN
ijosar-727	215	31	.	.	PUNCT
ijosar-727	216	1	issues	issue	NOUN
ijosar-727	216	2	faced	face	VERB
ijosar-727	216	3	by	by	ADP
ijosar-727	216	4	indian	indian	ADJ
ijosar-727	216	5	public	public	ADJ
ijosar-727	216	6	sector	sector	NOUN
ijosar-727	216	7	banks	bank	NOUN
ijosar-727	216	8	post	post	ADJ
ijosar-727	216	9	-	-	ADJ
ijosar-727	216	10	merger	merger	ADJ
ijosar-727	216	11	non	non	ADJ
ijosar-727	216	12	-	-	ADJ
ijosar-727	216	13	performing	perform	VERB
ijosar-727	216	14	assets	asset	NOUN
ijosar-727	216	15	ratio	ratio	NOUN
ijosar-727	216	16	a	a	DET
ijosar-727	216	17	problem	problem	NOUN
ijosar-727	216	18	faced	face	VERB
ijosar-727	216	19	by	by	ADP
ijosar-727	216	20	merging	merge	VERB
ijosar-727	216	21	of	of	ADP
ijosar-727	216	22	banks	bank	NOUN
ijosar-727	216	23	occurs	occur	VERB
ijosar-727	216	24	when	when	SCONJ
ijosar-727	216	25	the	the	DET
ijosar-727	216	26	non	non	ADJ
ijosar-727	216	27	-	-	ADJ
ijosar-727	216	28	performing	perform	VERB
ijosar-727	216	29	assets	asset	NOUN
ijosar-727	216	30	ratio	ratio	NOUN
ijosar-727	216	31	is	be	AUX
ijosar-727	216	32	higher	high	ADJ
ijosar-727	216	33	in	in	ADP
ijosar-727	216	34	any	any	PRON
ijosar-727	216	35	or	or	CCONJ
ijosar-727	216	36	all	all	PRON
ijosar-727	216	37	of	of	ADP
ijosar-727	216	38	the	the	DET
ijosar-727	216	39	merging	merge	VERB
ijosar-727	216	40	banks	bank	NOUN
ijosar-727	216	41	.	.	PUNCT
ijosar-727	217	1	for	for	ADP
ijosar-727	217	2	instance	instance	NOUN
ijosar-727	217	3	,	,	PUNCT
ijosar-727	217	4	the	the	DET
ijosar-727	217	5	non	non	ADJ
ijosar-727	217	6	-	-	ADJ
ijosar-727	217	7	performing	perform	VERB
ijosar-727	217	8	assets	asset	NOUN
ijosar-727	217	9	ratio	ratio	NOUN
ijosar-727	217	10	of	of	ADP
ijosar-727	217	11	bank	bank	PROPN
ijosar-727	217	12	a	a	PRON
ijosar-727	217	13	is	be	AUX
ijosar-727	217	14	2	2	NUM
ijosar-727	217	15	%	%	NOUN
ijosar-727	217	16	and	and	CCONJ
ijosar-727	217	17	that	that	PRON
ijosar-727	217	18	of	of	ADP
ijosar-727	217	19	bank	bank	PROPN
ijosar-727	217	20	b	b	PROPN
ijosar-727	217	21	is	be	AUX
ijosar-727	217	22	4	4	NUM
ijosar-727	217	23	%	%	NOUN
ijosar-727	217	24	.	.	PUNCT
ijosar-727	218	1	now	now	ADV
ijosar-727	218	2	,	,	PUNCT
ijosar-727	218	3	suppose	suppose	VERB
ijosar-727	218	4	bank	bank	PROPN
ijosar-727	218	5	b	b	PROPN
ijosar-727	218	6	is	be	AUX
ijosar-727	218	7	merging	merge	VERB
ijosar-727	218	8	with	with	ADP
ijosar-727	218	9	bank	bank	NOUN
ijosar-727	218	10	a.	a.	NOUN
ijosar-727	218	11	this	this	PRON
ijosar-727	218	12	of	of	ADP
ijosar-727	218	13	course	course	NOUN
ijosar-727	218	14	will	will	AUX
ijosar-727	218	15	enlarge	enlarge	VERB
ijosar-727	218	16	the	the	DET
ijosar-727	218	17	non	non	ADJ
ijosar-727	218	18	-	-	ADJ
ijosar-727	218	19	performing	perform	VERB
ijosar-727	218	20	asset	asset	NOUN
ijosar-727	218	21	ratio	ratio	NOUN
ijosar-727	218	22	of	of	ADP
ijosar-727	218	23	bank	bank	PROPN
ijosar-727	218	24	b	b	PROPN
ijosar-727	218	25	,	,	PUNCT
ijosar-727	218	26	and	and	CCONJ
ijosar-727	218	27	adversely	adversely	ADV
ijosar-727	218	28	affect	affect	VERB
ijosar-727	218	29	its	its	PRON
ijosar-727	218	30	financial	financial	ADJ
ijosar-727	218	31	health	health	NOUN
ijosar-727	218	32	,	,	PUNCT
ijosar-727	218	33	leading	lead	VERB
ijosar-727	218	34	to	to	ADP
ijosar-727	218	35	a	a	DET
ijosar-727	218	36	problematic	problematic	ADJ
ijosar-727	218	37	situation	situation	NOUN
ijosar-727	218	38	.	.	PUNCT
ijosar-727	219	1	unemployment	unemployment	NOUN
ijosar-727	219	2	of	of	ADP
ijosar-727	219	3	bank	bank	NOUN
ijosar-727	219	4	employees	employee	NOUN
ijosar-727	219	5	mergers	merger	NOUN
ijosar-727	219	6	may	may	AUX
ijosar-727	219	7	also	also	ADV
ijosar-727	219	8	cause	cause	VERB
ijosar-727	219	9	unemployment	unemployment	NOUN
ijosar-727	219	10	of	of	ADP
ijosar-727	219	11	bank	bank	NOUN
ijosar-727	219	12	employees	employee	NOUN
ijosar-727	219	13	.	.	PUNCT
ijosar-727	220	1	employees	employee	NOUN
ijosar-727	220	2	may	may	AUX
ijosar-727	220	3	lose	lose	VERB
ijosar-727	220	4	their	their	PRON
ijosar-727	220	5	job	job	NOUN
ijosar-727	220	6	after	after	ADP
ijosar-727	220	7	the	the	DET
ijosar-727	220	8	merger	merger	NOUN
ijosar-727	220	9	due	due	ADP
ijosar-727	220	10	to	to	ADP
ijosar-727	220	11	excess	excess	ADJ
ijosar-727	220	12	staff	staff	NOUN
ijosar-727	220	13	or	or	CCONJ
ijosar-727	220	14	as	as	ADP
ijosar-727	220	15	a	a	DET
ijosar-727	220	16	part	part	NOUN
ijosar-727	220	17	of	of	ADP
ijosar-727	220	18	reducing	reduce	VERB
ijosar-727	220	19	operating	operating	NOUN
ijosar-727	220	20	costs	cost	NOUN
ijosar-727	220	21	.	.	PUNCT
ijosar-727	221	1	managerial	managerial	ADJ
ijosar-727	221	2	efficiency	efficiency	NOUN
ijosar-727	221	3	ijointernational	ijointernational	ADJ
ijosar-727	221	4	journal	journal	NOUN
ijosar-727	221	5	of	of	ADP
ijosar-727	221	6	social	social	ADJ
ijosar-727	221	7	science	science	NOUN
ijosar-727	221	8	and	and	CCONJ
ijosar-727	221	9	humanities	humanity	NOUN
ijosar-727	221	10	research	research	NOUN
ijosar-727	221	11	(	(	PUNCT
ijosar-727	221	12	issn	issn	PROPN
ijosar-727	221	13	2811	2811	NUM
ijosar-727	221	14	-	-	SYM
ijosar-727	221	15	2466	2466	NUM
ijosar-727	221	16	)	)	PUNCT
ijosar-727	221	17	volume	volume	NOUN
ijosar-727	221	18	06	06	NUM
ijosar-727	222	1	|	|	ADV
ijosar-727	222	2	issue	issue	NOUN
ijosar-727	222	3	09	09	NUM
ijosar-727	222	4	|	|	ADV
ijosar-727	222	5	september	september	PROPN
ijosar-727	222	6	2023	2023	NUM
ijosar-727	222	7	|	|	NOUN
ijosar-727	222	8	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	222	9	10	10	NUM
ijosar-727	222	10	https://www.investopedia.com/terms/n/non-performing-assets.asp	https://www.investopedia.com/terms/n/non-performing-assets.asp	PROPN
ijosar-727	222	11	forcing	force	VERB
ijosar-727	222	12	a	a	DET
ijosar-727	222	13	public	public	ADJ
ijosar-727	222	14	sector	sector	NOUN
ijosar-727	222	15	bank	bank	NOUN
ijosar-727	222	16	to	to	PART
ijosar-727	222	17	accommodate	accommodate	VERB
ijosar-727	222	18	a	a	DET
ijosar-727	222	19	weak	weak	ADJ
ijosar-727	222	20	bank	bank	NOUN
ijosar-727	222	21	,	,	PUNCT
ijosar-727	222	22	thereby	thereby	ADV
ijosar-727	222	23	,	,	PUNCT
ijosar-727	222	24	absorbing	absorb	VERB
ijosar-727	222	25	the	the	DET
ijosar-727	222	26	liabilities	liability	NOUN
ijosar-727	222	27	,	,	PUNCT
ijosar-727	222	28	may	may	AUX
ijosar-727	222	29	reduce	reduce	VERB
ijosar-727	222	30	the	the	DET
ijosar-727	222	31	managerial	managerial	ADJ
ijosar-727	222	32	efficiency	efficiency	NOUN
ijosar-727	222	33	of	of	ADP
ijosar-727	222	34	the	the	DET
ijosar-727	222	35	strong	strong	ADJ
ijosar-727	222	36	bank	bank	NOUN
ijosar-727	222	37	and	and	CCONJ
ijosar-727	222	38	it	it	PRON
ijosar-727	222	39	can	can	AUX
ijosar-727	222	40	also	also	ADV
ijosar-727	222	41	lead	lead	VERB
ijosar-727	222	42	to	to	ADP
ijosar-727	222	43	a	a	DET
ijosar-727	222	44	reduction	reduction	NOUN
ijosar-727	222	45	in	in	ADP
ijosar-727	222	46	the	the	DET
ijosar-727	222	47	incentive	incentive	NOUN
ijosar-727	222	48	of	of	ADP
ijosar-727	222	49	the	the	DET
ijosar-727	222	50	strong	strong	ADJ
ijosar-727	222	51	bank	bank	NOUN
ijosar-727	222	52	to	to	PART
ijosar-727	222	53	perform	perform	VERB
ijosar-727	222	54	well	well	ADV
ijosar-727	222	55	.	.	PUNCT
ijosar-727	223	1	this	this	PRON
ijosar-727	223	2	in	in	ADP
ijosar-727	223	3	turn	turn	NOUN
ijosar-727	223	4	will	will	AUX
ijosar-727	223	5	affect	affect	VERB
ijosar-727	223	6	the	the	DET
ijosar-727	223	7	overall	overall	ADJ
ijosar-727	223	8	financial	financial	ADJ
ijosar-727	223	9	performance	performance	NOUN
ijosar-727	223	10	of	of	ADP
ijosar-727	223	11	banks	bank	NOUN
ijosar-727	223	12	.	.	PUNCT
ijosar-727	224	1	a	a	DET
ijosar-727	224	2	merger	merger	NOUN
ijosar-727	224	3	is	be	AUX
ijosar-727	224	4	not	not	PART
ijosar-727	224	5	a	a	DET
ijosar-727	224	6	solution	solution	NOUN
ijosar-727	224	7	to	to	PART
ijosar-727	224	8	bring	bring	VERB
ijosar-727	224	9	down	down	ADP
ijosar-727	224	10	the	the	DET
ijosar-727	224	11	number	number	NOUN
ijosar-727	224	12	of	of	ADP
ijosar-727	224	13	bad	bad	ADJ
ijosar-727	224	14	loans	loan	NOUN
ijosar-727	224	15	.	.	PUNCT
ijosar-727	225	1	it	it	PRON
ijosar-727	225	2	can	can	AUX
ijosar-727	225	3	worsen	worsen	VERB
ijosar-727	225	4	the	the	DET
ijosar-727	225	5	situation	situation	NOUN
ijosar-727	225	6	sometimes	sometimes	ADV
ijosar-727	225	7	if	if	SCONJ
ijosar-727	225	8	not	not	PART
ijosar-727	225	9	properly	properly	ADV
ijosar-727	225	10	managed	manage	VERB
ijosar-727	225	11	.	.	PUNCT
ijosar-727	226	1	political	political	ADJ
ijosar-727	226	2	pressure	pressure	NOUN
ijosar-727	226	3	non	non	ADJ
ijosar-727	226	4	-	-	ADJ
ijosar-727	226	5	performing	perform	VERB
ijosar-727	226	6	assets	asset	NOUN
ijosar-727	226	7	are	be	AUX
ijosar-727	226	8	the	the	DET
ijosar-727	226	9	major	major	ADJ
ijosar-727	226	10	problem	problem	NOUN
ijosar-727	226	11	of	of	ADP
ijosar-727	226	12	any	any	DET
ijosar-727	226	13	bank	bank	NOUN
ijosar-727	226	14	.	.	PUNCT
ijosar-727	227	1	treating	treat	VERB
ijosar-727	227	2	the	the	DET
ijosar-727	227	3	cause	cause	NOUN
ijosar-727	227	4	of	of	ADP
ijosar-727	227	5	it	it	PRON
ijosar-727	227	6	is	be	AUX
ijosar-727	227	7	important	important	ADJ
ijosar-727	227	8	rather	rather	ADV
ijosar-727	227	9	than	than	ADP
ijosar-727	227	10	giving	give	VERB
ijosar-727	227	11	the	the	DET
ijosar-727	227	12	burden	burden	NOUN
ijosar-727	227	13	to	to	ADP
ijosar-727	227	14	a	a	DET
ijosar-727	227	15	stronger	strong	ADJ
ijosar-727	227	16	counterpart	counterpart	NOUN
ijosar-727	227	17	.	.	PUNCT
ijosar-727	228	1	our	our	PRON
ijosar-727	228	2	country	country	NOUN
ijosar-727	228	3	has	have	AUX
ijosar-727	228	4	witnessed	witness	VERB
ijosar-727	228	5	political	political	ADJ
ijosar-727	228	6	interference	interference	NOUN
ijosar-727	228	7	in	in	ADP
ijosar-727	228	8	what	what	PRON
ijosar-727	228	9	not	not	PART
ijosar-727	228	10	.	.	PUNCT
ijosar-727	229	1	so	so	ADV
ijosar-727	229	2	is	be	AUX
ijosar-727	229	3	the	the	DET
ijosar-727	229	4	case	case	NOUN
ijosar-727	229	5	with	with	ADP
ijosar-727	229	6	banks	bank	NOUN
ijosar-727	229	7	.	.	PUNCT
ijosar-727	230	1	many	many	ADJ
ijosar-727	230	2	public	public	ADJ
ijosar-727	230	3	sector	sector	NOUN
ijosar-727	230	4	banks	bank	NOUN
ijosar-727	230	5	are	be	AUX
ijosar-727	230	6	compelled	compel	VERB
ijosar-727	230	7	to	to	PART
ijosar-727	230	8	issue	issue	VERB
ijosar-727	230	9	loans	loan	NOUN
ijosar-727	230	10	under	under	ADP
ijosar-727	230	11	political	political	ADJ
ijosar-727	230	12	pressure	pressure	NOUN
ijosar-727	230	13	even	even	ADV
ijosar-727	230	14	by	by	ADP
ijosar-727	230	15	compromising	compromise	VERB
ijosar-727	230	16	on	on	ADP
ijosar-727	230	17	the	the	DET
ijosar-727	230	18	various	various	ADJ
ijosar-727	230	19	criteria	criterion	NOUN
ijosar-727	230	20	for	for	ADP
ijosar-727	230	21	issuing	issue	VERB
ijosar-727	230	22	a	a	DET
ijosar-727	230	23	loan	loan	NOUN
ijosar-727	230	24	.	.	PUNCT
ijosar-727	231	1	this	this	PRON
ijosar-727	231	2	eventually	eventually	ADV
ijosar-727	231	3	results	result	VERB
ijosar-727	231	4	in	in	ADP
ijosar-727	231	5	a	a	DET
ijosar-727	231	6	growing	grow	VERB
ijosar-727	231	7	number	number	NOUN
ijosar-727	231	8	of	of	ADP
ijosar-727	231	9	non	non	ADJ
ijosar-727	231	10	-	-	ADJ
ijosar-727	231	11	performing	perform	VERB
ijosar-727	231	12	assets	asset	NOUN
ijosar-727	231	13	.	.	PUNCT
ijosar-727	232	1	here	here	ADV
ijosar-727	232	2	,	,	PUNCT
ijosar-727	232	3	merging	merge	VERB
ijosar-727	232	4	can	can	AUX
ijosar-727	232	5	only	only	ADV
ijosar-727	232	6	worsen	worsen	VERB
ijosar-727	232	7	the	the	DET
ijosar-727	232	8	situation	situation	NOUN
ijosar-727	232	9	since	since	SCONJ
ijosar-727	232	10	merged	merge	VERB
ijosar-727	232	11	banks	bank	NOUN
ijosar-727	232	12	with	with	ADP
ijosar-727	232	13	more	more	ADJ
ijosar-727	232	14	lending	lending	NOUN
ijosar-727	232	15	power	power	NOUN
ijosar-727	232	16	now	now	ADV
ijosar-727	232	17	have	have	VERB
ijosar-727	232	18	to	to	PART
ijosar-727	232	19	issue	issue	VERB
ijosar-727	232	20	more	more	ADJ
ijosar-727	232	21	loans	loan	NOUN
ijosar-727	232	22	under	under	ADP
ijosar-727	232	23	political	political	ADJ
ijosar-727	232	24	pressure	pressure	NOUN
ijosar-727	232	25	.	.	PUNCT
ijosar-727	233	1	the	the	DET
ijosar-727	233	2	issue	issue	NOUN
ijosar-727	233	3	faced	face	VERB
ijosar-727	233	4	by	by	ADP
ijosar-727	233	5	customers	customer	NOUN
ijosar-727	233	6	another	another	DET
ijosar-727	233	7	issue	issue	NOUN
ijosar-727	233	8	faced	face	VERB
ijosar-727	233	9	is	be	AUX
ijosar-727	233	10	by	by	ADP
ijosar-727	233	11	customers	customer	NOUN
ijosar-727	233	12	of	of	ADP
ijosar-727	233	13	public	public	ADJ
ijosar-727	233	14	sector	sector	NOUN
ijosar-727	233	15	banks	bank	NOUN
ijosar-727	233	16	which	which	PRON
ijosar-727	233	17	got	get	AUX
ijosar-727	233	18	merged	merge	VERB
ijosar-727	233	19	.	.	PUNCT
ijosar-727	234	1	the	the	DET
ijosar-727	234	2	change	change	NOUN
ijosar-727	234	3	in	in	ADP
ijosar-727	234	4	indian	indian	ADJ
ijosar-727	234	5	financial	financial	ADJ
ijosar-727	234	6	system	system	NOUN
ijosar-727	234	7	code	code	NOUN
ijosar-727	234	8	(	(	PUNCT
ijosar-727	234	9	ifsc	ifsc	PROPN
ijosar-727	234	10	)	)	PUNCT
ijosar-727	234	11	blocks	block	VERB
ijosar-727	234	12	many	many	ADJ
ijosar-727	234	13	of	of	ADP
ijosar-727	234	14	their	their	PRON
ijosar-727	234	15	funds	fund	NOUN
ijosar-727	234	16	.	.	PUNCT
ijosar-727	235	1	also	also	ADV
ijosar-727	235	2	,	,	PUNCT
ijosar-727	235	3	old	old	ADJ
ijosar-727	235	4	micr	micr	PROPN
ijosar-727	235	5	cheques	cheque	NOUN
ijosar-727	235	6	need	need	VERB
ijosar-727	235	7	to	to	PART
ijosar-727	235	8	be	be	AUX
ijosar-727	235	9	replaced	replace	VERB
ijosar-727	235	10	.	.	PUNCT
ijosar-727	236	1	they	they	PRON
ijosar-727	236	2	have	have	VERB
ijosar-727	236	3	to	to	PART
ijosar-727	236	4	communicate	communicate	VERB
ijosar-727	236	5	the	the	DET
ijosar-727	236	6	same	same	ADJ
ijosar-727	236	7	to	to	ADP
ijosar-727	236	8	each	each	PRON
ijosar-727	236	9	of	of	ADP
ijosar-727	236	10	their	their	PRON
ijosar-727	236	11	lenders	lender	NOUN
ijosar-727	236	12	and	and	CCONJ
ijosar-727	236	13	that	that	PRON
ijosar-727	236	14	would	would	AUX
ijosar-727	236	15	be	be	AUX
ijosar-727	236	16	time	time	NOUN
ijosar-727	236	17	-	-	PUNCT
ijosar-727	236	18	consuming	consume	VERB
ijosar-727	236	19	and	and	CCONJ
ijosar-727	236	20	problematic	problematic	ADJ
ijosar-727	236	21	.	.	PUNCT
ijosar-727	237	1	it	it	PRON
ijosar-727	237	2	is	be	AUX
ijosar-727	237	3	also	also	ADV
ijosar-727	237	4	likely	likely	ADJ
ijosar-727	237	5	that	that	SCONJ
ijosar-727	237	6	the	the	DET
ijosar-727	237	7	account	account	NOUN
ijosar-727	237	8	number	number	NOUN
ijosar-727	237	9	and	and	CCONJ
ijosar-727	237	10	customer	customer	NOUN
ijosar-727	237	11	i	i	PROPN
ijosar-727	237	12	d	d	PROPN
ijosar-727	237	13	may	may	AUX
ijosar-727	237	14	also	also	ADV
ijosar-727	237	15	change	change	VERB
ijosar-727	237	16	.	.	PUNCT
ijosar-727	238	1	some	some	DET
ijosar-727	238	2	customers	customer	NOUN
ijosar-727	238	3	may	may	AUX
ijosar-727	238	4	also	also	ADV
ijosar-727	238	5	face	face	VERB
ijosar-727	238	6	problems	problem	NOUN
ijosar-727	238	7	in	in	ADP
ijosar-727	238	8	merging	merge	VERB
ijosar-727	238	9	their	their	PRON
ijosar-727	238	10	accounts	account	NOUN
ijosar-727	238	11	if	if	SCONJ
ijosar-727	238	12	they	they	PRON
ijosar-727	238	13	have	have	VERB
ijosar-727	238	14	accounts	account	NOUN
ijosar-727	238	15	in	in	ADP
ijosar-727	238	16	both	both	PRON
ijosar-727	238	17	transferee	transferee	NOUN
ijosar-727	238	18	and	and	CCONJ
ijosar-727	238	19	transferor	transferor	NOUN
ijosar-727	238	20	banks	bank	NOUN
ijosar-727	238	21	in	in	ADP
ijosar-727	238	22	the	the	DET
ijosar-727	238	23	merger	merger	NOUN
ijosar-727	238	24	.	.	PUNCT
ijosar-727	239	1	now	now	ADV
ijosar-727	239	2	,	,	PUNCT
ijosar-727	239	3	if	if	SCONJ
ijosar-727	239	4	they	they	PRON
ijosar-727	239	5	wish	wish	VERB
ijosar-727	239	6	to	to	PART
ijosar-727	239	7	close	close	VERB
ijosar-727	239	8	their	their	PRON
ijosar-727	239	9	accounts	account	NOUN
ijosar-727	239	10	,	,	PUNCT
ijosar-727	239	11	banks	bank	NOUN
ijosar-727	239	12	may	may	AUX
ijosar-727	239	13	charge	charge	VERB
ijosar-727	239	14	closing	closing	NOUN
ijosar-727	239	15	charges	charge	NOUN
ijosar-727	239	16	.	.	PUNCT
ijosar-727	240	1	sometimes	sometimes	ADV
ijosar-727	240	2	banks	bank	NOUN
ijosar-727	240	3	have	have	VERB
ijosar-727	240	4	to	to	PART
ijosar-727	240	5	upgrade	upgrade	VERB
ijosar-727	240	6	their	their	PRON
ijosar-727	240	7	system	system	NOUN
ijosar-727	240	8	or	or	CCONJ
ijosar-727	240	9	technology	technology	NOUN
ijosar-727	240	10	to	to	PART
ijosar-727	240	11	accommodate	accommodate	VERB
ijosar-727	240	12	changes	change	NOUN
ijosar-727	240	13	after	after	ADP
ijosar-727	240	14	the	the	DET
ijosar-727	240	15	merger	merger	NOUN
ijosar-727	240	16	.	.	PUNCT
ijosar-727	241	1	this	this	PRON
ijosar-727	241	2	is	be	AUX
ijosar-727	241	3	altogether	altogether	ADV
ijosar-727	241	4	another	another	DET
ijosar-727	241	5	headache	headache	NOUN
ijosar-727	241	6	for	for	ADP
ijosar-727	241	7	customers	customer	NOUN
ijosar-727	241	8	as	as	SCONJ
ijosar-727	241	9	they	they	PRON
ijosar-727	241	10	may	may	AUX
ijosar-727	241	11	face	face	VERB
ijosar-727	241	12	glitches	glitch	NOUN
ijosar-727	241	13	in	in	ADP
ijosar-727	241	14	online	online	ADJ
ijosar-727	241	15	banking	banking	NOUN
ijosar-727	241	16	and	and	CCONJ
ijosar-727	241	17	atm	atm	PROPN
ijosar-727	241	18	services	service	NOUN
ijosar-727	241	19	.	.	PUNCT
ijosar-727	242	1	another	another	DET
ijosar-727	242	2	probable	probable	ADJ
ijosar-727	242	3	event	event	NOUN
ijosar-727	242	4	that	that	PRON
ijosar-727	242	5	may	may	AUX
ijosar-727	242	6	cause	cause	VERB
ijosar-727	242	7	hardship	hardship	NOUN
ijosar-727	242	8	to	to	ADP
ijosar-727	242	9	customers	customer	NOUN
ijosar-727	242	10	is	be	AUX
ijosar-727	242	11	the	the	DET
ijosar-727	242	12	shutdown	shutdown	NOUN
ijosar-727	242	13	of	of	ADP
ijosar-727	242	14	some	some	DET
ijosar-727	242	15	branches	branch	NOUN
ijosar-727	242	16	of	of	ADP
ijosar-727	242	17	the	the	DET
ijosar-727	242	18	amalgamating	amalgamate	VERB
ijosar-727	242	19	bank	bank	NOUN
ijosar-727	242	20	.	.	PUNCT
ijosar-727	243	1	customers	customer	NOUN
ijosar-727	243	2	who	who	PRON
ijosar-727	243	3	rely	rely	VERB
ijosar-727	243	4	on	on	ADP
ijosar-727	243	5	such	such	ADJ
ijosar-727	243	6	branches	branch	NOUN
ijosar-727	243	7	and	and	CCONJ
ijosar-727	243	8	are	be	AUX
ijosar-727	243	9	their	their	PRON
ijosar-727	243	10	home	home	NOUN
ijosar-727	243	11	branches	branch	NOUN
ijosar-727	243	12	find	find	VERB
ijosar-727	243	13	it	it	PRON
ijosar-727	243	14	inappropriate	inappropriate	ADJ
ijosar-727	243	15	.	.	PUNCT
ijosar-727	244	1	unemployment	unemployment	NOUN
ijosar-727	244	2	the	the	DET
ijosar-727	244	3	unemployment	unemployment	NOUN
ijosar-727	244	4	situation	situation	NOUN
ijosar-727	244	5	which	which	PRON
ijosar-727	244	6	already	already	ADV
ijosar-727	244	7	is	be	AUX
ijosar-727	244	8	a	a	DET
ijosar-727	244	9	curse	curse	NOUN
ijosar-727	244	10	to	to	ADP
ijosar-727	244	11	india	india	PROPN
ijosar-727	244	12	will	will	AUX
ijosar-727	244	13	worsen	worsen	VERB
ijosar-727	244	14	as	as	SCONJ
ijosar-727	244	15	fresh	fresh	ADJ
ijosar-727	244	16	recruitments	recruitment	NOUN
ijosar-727	244	17	may	may	AUX
ijosar-727	244	18	come	come	VERB
ijosar-727	244	19	to	to	ADP
ijosar-727	244	20	a	a	DET
ijosar-727	244	21	halt	halt	NOUN
ijosar-727	244	22	at	at	ADP
ijosar-727	244	23	least	least	ADJ
ijosar-727	244	24	for	for	ADP
ijosar-727	244	25	se	se	PROPN
ijosar-727	244	26	years	year	NOUN
ijosar-727	244	27	.	.	PUNCT
ijosar-727	245	1	merits	merit	NOUN
ijosar-727	245	2	of	of	ADP
ijosar-727	245	3	mergers	merger	NOUN
ijosar-727	245	4	of	of	ADP
ijosar-727	245	5	public	public	ADJ
ijosar-727	245	6	sector	sector	NOUN
ijosar-727	245	7	banks	bank	NOUN
ijosar-727	245	8	the	the	DET
ijosar-727	245	9	government	government	NOUN
ijosar-727	245	10	of	of	ADP
ijosar-727	245	11	india	india	PROPN
ijosar-727	245	12	’s	’s	PART
ijosar-727	245	13	determination	determination	NOUN
ijosar-727	245	14	and	and	CCONJ
ijosar-727	245	15	endeavour	endeavour	VERB
ijosar-727	245	16	to	to	PART
ijosar-727	245	17	help	help	VERB
ijosar-727	245	18	the	the	DET
ijosar-727	245	19	banking	banking	NOUN
ijosar-727	245	20	sector	sector	NOUN
ijosar-727	245	21	that	that	PRON
ijosar-727	245	22	was	be	AUX
ijosar-727	245	23	ailing	ail	VERB
ijosar-727	245	24	with	with	ADP
ijosar-727	245	25	a	a	DET
ijosar-727	245	26	high	high	ADJ
ijosar-727	245	27	rate	rate	NOUN
ijosar-727	245	28	of	of	ADP
ijosar-727	245	29	non	non	ADJ
ijosar-727	245	30	-	-	ADJ
ijosar-727	245	31	performing	perform	VERB
ijosar-727	245	32	assets	asset	NOUN
ijosar-727	245	33	and	and	CCONJ
ijosar-727	245	34	consequent	consequent	ADJ
ijosar-727	245	35	bad	bad	ADJ
ijosar-727	245	36	debts	debt	NOUN
ijosar-727	245	37	damaging	damage	VERB
ijosar-727	245	38	its	its	PRON
ijosar-727	245	39	lending	lending	NOUN
ijosar-727	245	40	capacity	capacity	NOUN
ijosar-727	245	41	paved	pave	VERB
ijosar-727	245	42	the	the	DET
ijosar-727	245	43	way	way	NOUN
ijosar-727	245	44	for	for	ADP
ijosar-727	245	45	mega	mega	NOUN
ijosar-727	245	46	-	-	NOUN
ijosar-727	245	47	merger	merger	NOUN
ijosar-727	245	48	in	in	ADP
ijosar-727	245	49	2020	2020	NUM
ijosar-727	245	50	.	.	PUNCT
ijosar-727	246	1	ijointernational	ijointernational	ADJ
ijosar-727	246	2	journal	journal	NOUN
ijosar-727	246	3	of	of	ADP
ijosar-727	246	4	social	social	ADJ
ijosar-727	246	5	science	science	NOUN
ijosar-727	246	6	and	and	CCONJ
ijosar-727	246	7	humanities	humanity	NOUN
ijosar-727	246	8	research	research	NOUN
ijosar-727	246	9	(	(	PUNCT
ijosar-727	246	10	issn	issn	PROPN
ijosar-727	246	11	2811	2811	NUM
ijosar-727	246	12	-	-	SYM
ijosar-727	246	13	2466	2466	NUM
ijosar-727	246	14	)	)	PUNCT
ijosar-727	246	15	volume	volume	NOUN
ijosar-727	246	16	06	06	NUM
ijosar-727	247	1	|	|	ADV
ijosar-727	247	2	issue	issue	NOUN
ijosar-727	247	3	09	09	NUM
ijosar-727	247	4	|	|	ADV
ijosar-727	247	5	september	september	PROPN
ijosar-727	247	6	2023	2023	NUM
ijosar-727	247	7	|	|	NOUN
ijosar-727	247	8	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	247	9	11	11	NUM
ijosar-727	247	10	https://www.policybazaar.com/ifsc/	https://www.policybazaar.com/ifsc/	NOUN
ijosar-727	247	11	let	let	VERB
ijosar-727	247	12	’s	’s	PRON
ijosar-727	247	13	discuss	discuss	VERB
ijosar-727	247	14	the	the	DET
ijosar-727	247	15	merits	merit	NOUN
ijosar-727	247	16	of	of	ADP
ijosar-727	247	17	the	the	DET
ijosar-727	247	18	merger	merger	NOUN
ijosar-727	247	19	one	one	NUM
ijosar-727	247	20	by	by	ADP
ijosar-727	247	21	one	one	NUM
ijosar-727	247	22	.	.	PUNCT
ijosar-727	248	1	recapitalization	recapitalization	NOUN
ijosar-727	248	2	coming	come	VERB
ijosar-727	248	3	to	to	ADP
ijosar-727	248	4	the	the	DET
ijosar-727	248	5	merits	merit	NOUN
ijosar-727	248	6	of	of	ADP
ijosar-727	248	7	the	the	DET
ijosar-727	248	8	merger	merger	NOUN
ijosar-727	248	9	of	of	ADP
ijosar-727	248	10	public	public	ADJ
ijosar-727	248	11	sector	sector	NOUN
ijosar-727	248	12	sanks	sank	NOUN
ijosar-727	248	13	,	,	PUNCT
ijosar-727	248	14	the	the	DET
ijosar-727	248	15	foremost	foremost	ADJ
ijosar-727	248	16	one	one	NOUN
ijosar-727	248	17	is	be	AUX
ijosar-727	248	18	recapitalization	recapitalization	NOUN
ijosar-727	248	19	.	.	PUNCT
ijosar-727	249	1	this	this	PRON
ijosar-727	249	2	leads	lead	VERB
ijosar-727	249	3	to	to	ADP
ijosar-727	249	4	an	an	DET
ijosar-727	249	5	increase	increase	NOUN
ijosar-727	249	6	in	in	ADP
ijosar-727	249	7	capital	capital	NOUN
ijosar-727	249	8	for	for	ADP
ijosar-727	249	9	lending	lending	NOUN
ijosar-727	249	10	.	.	PUNCT
ijosar-727	250	1	lending	lending	NOUN
ijosar-727	250	2	is	be	AUX
ijosar-727	250	3	the	the	DET
ijosar-727	250	4	primary	primary	ADJ
ijosar-727	250	5	function	function	NOUN
ijosar-727	250	6	of	of	ADP
ijosar-727	250	7	any	any	DET
ijosar-727	250	8	bank	bank	NOUN
ijosar-727	250	9	.	.	PUNCT
ijosar-727	251	1	an	an	DET
ijosar-727	251	2	enhancement	enhancement	NOUN
ijosar-727	251	3	in	in	ADP
ijosar-727	251	4	the	the	DET
ijosar-727	251	5	lending	lending	NOUN
ijosar-727	251	6	rate	rate	NOUN
ijosar-727	251	7	means	mean	VERB
ijosar-727	251	8	a	a	DET
ijosar-727	251	9	rise	rise	NOUN
ijosar-727	251	10	in	in	ADP
ijosar-727	251	11	deposits	deposit	NOUN
ijosar-727	251	12	.	.	PUNCT
ijosar-727	252	1	among	among	ADP
ijosar-727	252	2	the	the	DET
ijosar-727	252	3	indicators	indicator	NOUN
ijosar-727	252	4	,	,	PUNCT
ijosar-727	252	5	these	these	PRON
ijosar-727	252	6	are	be	AUX
ijosar-727	252	7	vital	vital	ADJ
ijosar-727	252	8	in	in	ADP
ijosar-727	252	9	deciding	decide	VERB
ijosar-727	252	10	the	the	DET
ijosar-727	252	11	health	health	NOUN
ijosar-727	252	12	of	of	ADP
ijosar-727	252	13	a	a	DET
ijosar-727	252	14	bank	bank	NOUN
ijosar-727	252	15	.	.	PUNCT
ijosar-727	253	1	new	new	ADJ
ijosar-727	253	2	generation	generation	NOUN
ijosar-727	253	3	banking	banking	NOUN
ijosar-727	253	4	customers	customer	NOUN
ijosar-727	253	5	can	can	AUX
ijosar-727	253	6	now	now	ADV
ijosar-727	253	7	enjoy	enjoy	VERB
ijosar-727	253	8	more	more	ADJ
ijosar-727	253	9	atms	atms	NOUN
ijosar-727	253	10	and	and	CCONJ
ijosar-727	253	11	the	the	DET
ijosar-727	253	12	services	service	NOUN
ijosar-727	253	13	of	of	ADP
ijosar-727	253	14	next	next	ADJ
ijosar-727	253	15	-	-	PUNCT
ijosar-727	253	16	generation	generation	NOUN
ijosar-727	253	17	banking	banking	NOUN
ijosar-727	253	18	.	.	PUNCT
ijosar-727	254	1	having	have	VERB
ijosar-727	254	2	to	to	PART
ijosar-727	254	3	choose	choose	VERB
ijosar-727	254	4	from	from	ADP
ijosar-727	254	5	various	various	ADJ
ijosar-727	254	6	services	service	NOUN
ijosar-727	254	7	provided	provide	VERB
ijosar-727	254	8	by	by	ADP
ijosar-727	254	9	new	new	ADJ
ijosar-727	254	10	generation	generation	NOUN
ijosar-727	254	11	banks	bank	NOUN
ijosar-727	254	12	is	be	AUX
ijosar-727	254	13	indeed	indeed	ADV
ijosar-727	254	14	appreciable	appreciable	ADJ
ijosar-727	254	15	.	.	PUNCT
ijosar-727	255	1	they	they	PRON
ijosar-727	255	2	can	can	AUX
ijosar-727	255	3	explore	explore	VERB
ijosar-727	255	4	their	their	PRON
ijosar-727	255	5	options	option	NOUN
ijosar-727	255	6	in	in	ADP
ijosar-727	255	7	investment	investment	NOUN
ijosar-727	255	8	too	too	ADV
ijosar-727	255	9	.	.	PUNCT
ijosar-727	256	1	departure	departure	NOUN
ijosar-727	256	2	from	from	ADP
ijosar-727	256	3	the	the	DET
ijosar-727	256	4	traditional	traditional	ADJ
ijosar-727	256	5	banking	banking	NOUN
ijosar-727	256	6	mechanisms	mechanism	NOUN
ijosar-727	256	7	in	in	ADP
ijosar-727	256	8	this	this	DET
ijosar-727	256	9	technology	technology	NOUN
ijosar-727	256	10	-	-	PUNCT
ijosar-727	256	11	driven	drive	VERB
ijosar-727	256	12	world	world	NOUN
ijosar-727	256	13	is	be	AUX
ijosar-727	256	14	significant	significant	ADJ
ijosar-727	256	15	.	.	PUNCT
ijosar-727	257	1	technical	technical	ADJ
ijosar-727	257	2	up	up	ADP
ijosar-727	257	3	-	-	PUNCT
ijosar-727	257	4	gradation	gradation	NOUN
ijosar-727	257	5	on	on	ADP
ijosar-727	257	6	debit	debit	NOUN
ijosar-727	257	7	/	/	SYM
ijosar-727	257	8	credit	credit	NOUN
ijosar-727	257	9	cards	card	NOUN
ijosar-727	257	10	is	be	AUX
ijosar-727	257	11	another	another	DET
ijosar-727	257	12	merit	merit	NOUN
ijosar-727	257	13	.	.	PUNCT
ijosar-727	258	1	some	some	DET
ijosar-727	258	2	merged	merged	ADJ
ijosar-727	258	3	banks	bank	NOUN
ijosar-727	258	4	show	show	VERB
ijosar-727	258	5	high	high	ADJ
ijosar-727	258	6	non	non	ADJ
ijosar-727	258	7	-	-	ADJ
ijosar-727	258	8	performing	perform	VERB
ijosar-727	258	9	assets	asset	NOUN
ijosar-727	258	10	ratio	ratio	NOUN
ijosar-727	258	11	whereas	whereas	SCONJ
ijosar-727	258	12	some	some	DET
ijosar-727	258	13	others	other	NOUN
ijosar-727	258	14	show	show	VERB
ijosar-727	258	15	less	less	ADJ
ijosar-727	258	16	.	.	PUNCT
ijosar-727	259	1	for	for	ADP
ijosar-727	259	2	example	example	NOUN
ijosar-727	259	3	,	,	PUNCT
ijosar-727	259	4	the	the	DET
ijosar-727	259	5	merger	merger	NOUN
ijosar-727	259	6	of	of	ADP
ijosar-727	259	7	indian	indian	PROPN
ijosar-727	259	8	bank	bank	PROPN
ijosar-727	259	9	and	and	CCONJ
ijosar-727	259	10	allahabad	allahabad	PROPN
ijosar-727	259	11	bank	bank	PROPN
ijosar-727	259	12	reflects	reflect	VERB
ijosar-727	259	13	a	a	DET
ijosar-727	259	14	low	low	ADJ
ijosar-727	259	15	non	non	ADJ
ijosar-727	259	16	-	-	ADJ
ijosar-727	259	17	performing	perform	VERB
ijosar-727	259	18	assets	asset	NOUN
ijosar-727	259	19	ratio	ratio	NOUN
ijosar-727	259	20	and	and	CCONJ
ijosar-727	259	21	the	the	DET
ijosar-727	259	22	merged	merged	ADJ
ijosar-727	259	23	entity	entity	NOUN
ijosar-727	259	24	of	of	ADP
ijosar-727	259	25	union	union	PROPN
ijosar-727	259	26	bank	bank	PROPN
ijosar-727	259	27	of	of	ADP
ijosar-727	259	28	india	india	PROPN
ijosar-727	259	29	with	with	ADP
ijosar-727	259	30	andhra	andhra	PROPN
ijosar-727	259	31	bank	bank	PROPN
ijosar-727	259	32	and	and	CCONJ
ijosar-727	259	33	corporation	corporation	PROPN
ijosar-727	259	34	bank	bank	PROPN
ijosar-727	259	35	records	record	VERB
ijosar-727	259	36	a	a	DET
ijosar-727	259	37	high	high	ADJ
ijosar-727	259	38	non	non	ADJ
ijosar-727	259	39	-	-	ADJ
ijosar-727	259	40	performing	perform	VERB
ijosar-727	259	41	assets	asset	NOUN
ijosar-727	259	42	ratio	ratio	NOUN
ijosar-727	259	43	.	.	PUNCT
ijosar-727	260	1	operating	operate	VERB
ijosar-727	260	2	cost	cost	NOUN
ijosar-727	260	3	reduction	reduction	NOUN
ijosar-727	260	4	in	in	ADP
ijosar-727	260	5	operating	operating	NOUN
ijosar-727	260	6	costs	cost	NOUN
ijosar-727	260	7	is	be	AUX
ijosar-727	260	8	a	a	DET
ijosar-727	260	9	significant	significant	ADJ
ijosar-727	260	10	outcome	outcome	NOUN
ijosar-727	260	11	of	of	ADP
ijosar-727	260	12	the	the	DET
ijosar-727	260	13	merger	merger	NOUN
ijosar-727	260	14	.	.	PUNCT
ijosar-727	261	1	this	this	PRON
ijosar-727	261	2	is	be	AUX
ijosar-727	261	3	evident	evident	ADJ
ijosar-727	261	4	from	from	ADP
ijosar-727	261	5	the	the	DET
ijosar-727	261	6	merger	merger	NOUN
ijosar-727	261	7	of	of	ADP
ijosar-727	261	8	the	the	DET
ijosar-727	261	9	state	state	PROPN
ijosar-727	261	10	bank	bank	PROPN
ijosar-727	261	11	of	of	ADP
ijosar-727	261	12	india	india	PROPN
ijosar-727	261	13	and	and	CCONJ
ijosar-727	261	14	its	its	PRON
ijosar-727	261	15	subsidiaries	subsidiary	NOUN
ijosar-727	261	16	.	.	PUNCT
ijosar-727	262	1	a	a	DET
ijosar-727	262	2	decrease	decrease	NOUN
ijosar-727	262	3	in	in	ADP
ijosar-727	262	4	management	management	NOUN
ijosar-727	262	5	cost	cost	NOUN
ijosar-727	262	6	eventually	eventually	ADV
ijosar-727	262	7	results	result	VERB
ijosar-727	262	8	in	in	ADP
ijosar-727	262	9	less	less	ADJ
ijosar-727	262	10	operation	operation	NOUN
ijosar-727	262	11	cost	cost	NOUN
ijosar-727	262	12	.	.	PUNCT
ijosar-727	263	1	shareholders	shareholder	VERB
ijosar-727	263	2	the	the	DET
ijosar-727	263	3	impact	impact	NOUN
ijosar-727	263	4	of	of	ADP
ijosar-727	263	5	the	the	DET
ijosar-727	263	6	merger	merger	NOUN
ijosar-727	263	7	on	on	ADP
ijosar-727	263	8	shareholders	shareholder	NOUN
ijosar-727	263	9	of	of	ADP
ijosar-727	263	10	public	public	ADJ
ijosar-727	263	11	sector	sector	NOUN
ijosar-727	263	12	banks	bank	NOUN
ijosar-727	263	13	differs	differ	VERB
ijosar-727	263	14	depending	depend	VERB
ijosar-727	263	15	on	on	ADP
ijosar-727	263	16	to	to	ADP
ijosar-727	263	17	which	which	DET
ijosar-727	263	18	bank	bank	NOUN
ijosar-727	263	19	they	they	PRON
ijosar-727	263	20	get	get	AUX
ijosar-727	263	21	merged	merge	VERB
ijosar-727	263	22	with	with	ADP
ijosar-727	263	23	,	,	PUNCT
ijosar-727	263	24	the	the	DET
ijosar-727	263	25	non	non	ADJ
ijosar-727	263	26	-	-	ADJ
ijosar-727	263	27	performing	perform	VERB
ijosar-727	263	28	assets	asset	NOUN
ijosar-727	263	29	ratio	ratio	NOUN
ijosar-727	263	30	,	,	PUNCT
ijosar-727	263	31	etc	etc	X
ijosar-727	263	32	.	.	X
ijosar-727	263	33	global	global	ADJ
ijosar-727	263	34	market	market	NOUN
ijosar-727	263	35	the	the	DET
ijosar-727	263	36	merger	merger	NOUN
ijosar-727	263	37	of	of	ADP
ijosar-727	263	38	public	public	ADJ
ijosar-727	263	39	sector	sector	NOUN
ijosar-727	263	40	banks	bank	NOUN
ijosar-727	263	41	results	result	VERB
ijosar-727	263	42	in	in	ADP
ijosar-727	263	43	the	the	DET
ijosar-727	263	44	enlargement	enlargement	NOUN
ijosar-727	263	45	of	of	ADP
ijosar-727	263	46	anchor	anchor	NOUN
ijosar-727	263	47	banks	bank	NOUN
ijosar-727	263	48	which	which	PRON
ijosar-727	263	49	will	will	AUX
ijosar-727	263	50	eventually	eventually	ADV
ijosar-727	263	51	aid	aid	VERB
ijosar-727	263	52	them	they	PRON
ijosar-727	263	53	to	to	PART
ijosar-727	263	54	enter	enter	VERB
ijosar-727	263	55	the	the	DET
ijosar-727	263	56	global	global	ADJ
ijosar-727	263	57	market	market	NOUN
ijosar-727	263	58	.	.	PUNCT
ijosar-727	264	1	an	an	DET
ijosar-727	264	2	example	example	NOUN
ijosar-727	264	3	of	of	ADP
ijosar-727	264	4	this	this	PRON
ijosar-727	264	5	is	be	AUX
ijosar-727	264	6	the	the	DET
ijosar-727	264	7	57th	57th	ADJ
ijosar-727	264	8	rank	rank	NOUN
ijosar-727	264	9	of	of	ADP
ijosar-727	264	10	the	the	DET
ijosar-727	264	11	state	state	PROPN
ijosar-727	264	12	bank	bank	PROPN
ijosar-727	264	13	of	of	ADP
ijosar-727	264	14	india	india	PROPN
ijosar-727	264	15	in	in	ADP
ijosar-727	264	16	the	the	DET
ijosar-727	264	17	global	global	PROPN
ijosar-727	264	18	bank	bank	PROPN
ijosar-727	264	19	ranking	ranking	NOUN
ijosar-727	264	20	of	of	ADP
ijosar-727	264	21	2021	2021	NUM
ijosar-727	264	22	.	.	PUNCT
ijosar-727	265	1	the	the	DET
ijosar-727	265	2	merger	merger	NOUN
ijosar-727	265	3	also	also	ADV
ijosar-727	265	4	enhances	enhance	VERB
ijosar-727	265	5	the	the	DET
ijosar-727	265	6	customer	customer	NOUN
ijosar-727	265	7	base	base	NOUN
ijosar-727	265	8	since	since	SCONJ
ijosar-727	265	9	the	the	DET
ijosar-727	265	10	combined	combine	VERB
ijosar-727	265	11	entity	entity	NOUN
ijosar-727	265	12	can	can	AUX
ijosar-727	265	13	now	now	ADV
ijosar-727	265	14	enjoy	enjoy	VERB
ijosar-727	265	15	customers	customer	NOUN
ijosar-727	265	16	of	of	ADP
ijosar-727	265	17	two	two	NUM
ijosar-727	265	18	or	or	CCONJ
ijosar-727	265	19	more	more	ADJ
ijosar-727	265	20	banks	bank	NOUN
ijosar-727	265	21	.	.	PUNCT
ijosar-727	266	1	getting	get	VERB
ijosar-727	266	2	the	the	DET
ijosar-727	266	3	benefits	benefit	NOUN
ijosar-727	266	4	of	of	ADP
ijosar-727	266	5	enlargement	enlargement	NOUN
ijosar-727	266	6	and	and	CCONJ
ijosar-727	266	7	enhanced	enhance	VERB
ijosar-727	266	8	customer	customer	NOUN
ijosar-727	266	9	base	base	NOUN
ijosar-727	266	10	,	,	PUNCT
ijosar-727	266	11	enable	enable	VERB
ijosar-727	266	12	the	the	DET
ijosar-727	266	13	combined	combined	ADJ
ijosar-727	266	14	entity	entity	NOUN
ijosar-727	266	15	to	to	PART
ijosar-727	266	16	confront	confront	VERB
ijosar-727	266	17	competition	competition	NOUN
ijosar-727	266	18	in	in	ADP
ijosar-727	266	19	the	the	DET
ijosar-727	266	20	power	power	NOUN
ijosar-727	266	21	and	and	CCONJ
ijosar-727	266	22	capacity	capacity	NOUN
ijosar-727	266	23	of	of	ADP
ijosar-727	266	24	two	two	NUM
ijosar-727	266	25	or	or	CCONJ
ijosar-727	266	26	more	more	ADJ
ijosar-727	266	27	banks	bank	NOUN
ijosar-727	266	28	.	.	PUNCT
ijosar-727	267	1	this	this	PRON
ijosar-727	267	2	is	be	AUX
ijosar-727	267	3	indeed	indeed	ADV
ijosar-727	267	4	better	well	ADJ
ijosar-727	267	5	than	than	ADP
ijosar-727	267	6	resisting	resist	VERB
ijosar-727	267	7	it	it	PRON
ijosar-727	267	8	in	in	ADP
ijosar-727	267	9	the	the	DET
ijosar-727	267	10	capacity	capacity	NOUN
ijosar-727	267	11	of	of	ADP
ijosar-727	267	12	a	a	DET
ijosar-727	267	13	single	single	ADJ
ijosar-727	267	14	bank	bank	NOUN
ijosar-727	267	15	.	.	PUNCT
ijosar-727	268	1	conclusion	conclusion	NOUN
ijosar-727	268	2	demerits	demerit	VERB
ijosar-727	268	3	always	always	ADV
ijosar-727	268	4	come	come	VERB
ijosar-727	268	5	with	with	ADP
ijosar-727	268	6	merits	merit	NOUN
ijosar-727	268	7	.	.	PUNCT
ijosar-727	269	1	one	one	PRON
ijosar-727	269	2	can	can	AUX
ijosar-727	269	3	not	not	PART
ijosar-727	269	4	exist	exist	VERB
ijosar-727	269	5	without	without	ADP
ijosar-727	269	6	the	the	DET
ijosar-727	269	7	other	other	ADJ
ijosar-727	269	8	.	.	PUNCT
ijosar-727	270	1	making	make	VERB
ijosar-727	270	2	the	the	DET
ijosar-727	270	3	right	right	ADJ
ijosar-727	270	4	decision	decision	NOUN
ijosar-727	270	5	should	should	AUX
ijosar-727	270	6	always	always	ADV
ijosar-727	270	7	be	be	AUX
ijosar-727	270	8	based	base	VERB
ijosar-727	270	9	on	on	ADP
ijosar-727	270	10	a	a	DET
ijosar-727	270	11	careful	careful	ADJ
ijosar-727	270	12	analysis	analysis	NOUN
ijosar-727	270	13	of	of	ADP
ijosar-727	270	14	the	the	DET
ijosar-727	270	15	two	two	NUM
ijosar-727	270	16	.	.	PUNCT
ijosar-727	271	1	the	the	DET
ijosar-727	271	2	government	government	NOUN
ijosar-727	271	3	’s	’s	PART
ijosar-727	271	4	decision	decision	NOUN
ijosar-727	271	5	on	on	ADP
ijosar-727	271	6	mega	mega	NOUN
ijosar-727	271	7	-	-	NOUN
ijosar-727	271	8	merger	merger	NOUN
ijosar-727	271	9	of	of	ADP
ijosar-727	271	10	public	public	ADJ
ijosar-727	271	11	sector	sector	NOUN
ijosar-727	271	12	banks	bank	NOUN
ijosar-727	271	13	invited	invite	VERB
ijosar-727	271	14	many	many	ADJ
ijosar-727	271	15	criticisms	criticism	NOUN
ijosar-727	271	16	.	.	PUNCT
ijosar-727	272	1	it	it	PRON
ijosar-727	272	2	does	do	AUX
ijosar-727	272	3	have	have	VERB
ijosar-727	272	4	merits	merit	NOUN
ijosar-727	272	5	and	and	CCONJ
ijosar-727	272	6	ijointernational	ijointernational	ADJ
ijosar-727	272	7	journal	journal	NOUN
ijosar-727	272	8	of	of	ADP
ijosar-727	272	9	social	social	ADJ
ijosar-727	272	10	science	science	NOUN
ijosar-727	272	11	and	and	CCONJ
ijosar-727	272	12	humanities	humanity	NOUN
ijosar-727	272	13	research	research	NOUN
ijosar-727	272	14	(	(	PUNCT
ijosar-727	273	1	issn	issn	PROPN
ijosar-727	273	2	2811	2811	NUM
ijosar-727	273	3	-	-	SYM
ijosar-727	273	4	2466	2466	NUM
ijosar-727	273	5	)	)	PUNCT
ijosar-727	273	6	volume	volume	NOUN
ijosar-727	273	7	06	06	NUM
ijosar-727	274	1	|	|	ADV
ijosar-727	274	2	issue	issue	NOUN
ijosar-727	274	3	09	09	NUM
ijosar-727	274	4	|	|	ADV
ijosar-727	274	5	september	september	PROPN
ijosar-727	274	6	2023	2023	NUM
ijosar-727	274	7	|	|	NOUN
ijosar-727	274	8	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	274	9	12	12	NUM
ijosar-727	274	10	https://www.investopedia.com/terms/o/operating-cost.asp	https://www.investopedia.com/terms/o/operating-cost.asp	NOUN
ijosar-727	274	11	demerits	demerit	NOUN
ijosar-727	274	12	.	.	PUNCT
ijosar-727	275	1	this	this	DET
ijosar-727	275	2	article	article	NOUN
ijosar-727	275	3	explains	explain	VERB
ijosar-727	275	4	both	both	DET
ijosar-727	275	5	sides	side	NOUN
ijosar-727	275	6	of	of	ADP
ijosar-727	275	7	the	the	DET
ijosar-727	275	8	same	same	ADJ
ijosar-727	275	9	coin	coin	NOUN
ijosar-727	275	10	that	that	PRON
ijosar-727	275	11	is	be	AUX
ijosar-727	275	12	the	the	DET
ijosar-727	275	13	mega	mega	NOUN
ijosar-727	275	14	-	-	NOUN
ijosar-727	275	15	merger	merger	NOUN
ijosar-727	275	16	of	of	ADP
ijosar-727	275	17	2020	2020	NUM
ijosar-727	275	18	.	.	PUNCT
ijosar-727	276	1	mergers	merger	NOUN
ijosar-727	276	2	can	can	AUX
ijosar-727	276	3	result	result	VERB
ijosar-727	276	4	in	in	ADP
ijosar-727	276	5	the	the	DET
ijosar-727	276	6	economic	economic	ADJ
ijosar-727	276	7	growth	growth	NOUN
ijosar-727	276	8	and	and	CCONJ
ijosar-727	276	9	development	development	NOUN
ijosar-727	276	10	of	of	ADP
ijosar-727	276	11	any	any	DET
ijosar-727	276	12	nation	nation	NOUN
ijosar-727	276	13	due	due	ADP
ijosar-727	276	14	to	to	ADP
ijosar-727	276	15	their	their	PRON
ijosar-727	276	16	various	various	ADJ
ijosar-727	276	17	merits	merit	NOUN
ijosar-727	276	18	.	.	PUNCT
ijosar-727	277	1	it	it	PRON
ijosar-727	277	2	also	also	ADV
ijosar-727	277	3	expands	expand	VERB
ijosar-727	277	4	a	a	DET
ijosar-727	277	5	business	business	NOUN
ijosar-727	277	6	that	that	PRON
ijosar-727	277	7	is	be	AUX
ijosar-727	277	8	an	an	DET
ijosar-727	277	9	important	important	ADJ
ijosar-727	277	10	goal	goal	NOUN
ijosar-727	277	11	for	for	ADP
ijosar-727	277	12	any	any	DET
ijosar-727	277	13	business	business	NOUN
ijosar-727	277	14	.	.	PUNCT
ijosar-727	278	1	thus	thus	ADV
ijosar-727	278	2	tackling	tackle	VERB
ijosar-727	278	3	the	the	DET
ijosar-727	278	4	demerits	demerit	NOUN
ijosar-727	278	5	caused	cause	VERB
ijosar-727	278	6	by	by	ADP
ijosar-727	278	7	mergers	merger	NOUN
ijosar-727	278	8	diligently	diligently	ADV
ijosar-727	278	9	and	and	CCONJ
ijosar-727	278	10	appropriately	appropriately	ADV
ijosar-727	278	11	helps	help	VERB
ijosar-727	278	12	outweigh	outweigh	VERB
ijosar-727	278	13	them	they	PRON
ijosar-727	278	14	.	.	PUNCT
ijosar-727	279	1	references	reference	NOUN
ijosar-727	279	2	:	:	PUNCT
ijosar-727	279	3			PROPN
ijosar-727	279	4	allen	allen	PROPN
ijosar-727	279	5	,	,	PUNCT
ijosar-727	279	6	f.	f.	PROPN
ijosar-727	279	7	and	and	CCONJ
ijosar-727	279	8	gale	gale	PROPN
ijosar-727	279	9	,	,	PUNCT
ijosar-727	279	10	d.	d.	PROPN
ijosar-727	279	11	(	(	PUNCT
ijosar-727	279	12	2004	2004	NUM
ijosar-727	279	13	)	)	PUNCT
ijosar-727	279	14	.	.	PUNCT
ijosar-727	280	1	competition	competition	NOUN
ijosar-727	280	2	and	and	CCONJ
ijosar-727	280	3	financial	financial	ADJ
ijosar-727	280	4	stability	stability	NOUN
ijosar-727	280	5	.	.	PUNCT
ijosar-727	281	1	journal	journal	NOUN
ijosar-727	281	2	of	of	ADP
ijosar-727	281	3	money	money	NOUN
ijosar-727	281	4	,	,	PUNCT
ijosar-727	281	5	credit	credit	NOUN
ijosar-727	281	6	and	and	CCONJ
ijosar-727	281	7	banking	banking	NOUN
ijosar-727	281	8	,	,	PUNCT
ijosar-727	281	9	36:3	36:3	NUM
ijosar-727	281	10	pt.2	pt.2	NOUN
ijosar-727	281	11	:	:	PUNCT
ijosar-727	281	12	433	433	NUM
ijosar-727	281	13	-	-	SYM
ijosar-727	281	14	80	80	NUM
ijosar-727	281	15	.	.	PUNCT
ijosar-727	282	1			VERB
ijosar-727	282	2	ansari	ansari	PROPN
ijosar-727	282	3	,	,	PUNCT
ijosar-727	282	4	j	j	PROPN
ijosar-727	282	5	(	(	PUNCT
ijosar-727	282	6	2013	2013	NUM
ijosar-727	282	7	)	)	PUNCT
ijosar-727	282	8	.	.	PUNCT
ijosar-727	283	1	a	a	DET
ijosar-727	283	2	new	new	ADJ
ijosar-727	283	3	measure	measure	NOUN
ijosar-727	283	4	of	of	ADP
ijosar-727	283	5	competition	competition	NOUN
ijosar-727	283	6	in	in	ADP
ijosar-727	283	7	indian	indian	ADJ
ijosar-727	283	8	loan	loan	NOUN
ijosar-727	283	9	markets	market	NOUN
ijosar-727	283	10	,	,	PUNCT
ijosar-727	283	11	international	international	ADJ
ijosar-727	283	12	journal	journal	NOUN
ijosar-727	283	13	of	of	ADP
ijosar-727	283	14	finance	finance	PROPN
ijosar-727	283	15	&	&	CCONJ
ijosar-727	283	16	banking	banking	NOUN
ijosar-727	283	17	studies	study	NOUN
ijosar-727	283	18	,	,	PUNCT
ijosar-727	283	19	2(4	2(4	NUM
ijosar-727	283	20	):	):	PUNCT
ijosar-727	283	21	60	60	NUM
ijosar-727	283	22	-	-	SYM
ijosar-727	283	23	77	77	NUM
ijosar-727	283	24	.	.	PUNCT
ijosar-727	284	1			PROPN
ijosar-727	284	2	beck	beck	PROPN
ijosar-727	284	3	,	,	PUNCT
ijosar-727	284	4	t.	t.	PROPN
ijosar-727	284	5	,	,	PUNCT
ijosar-727	284	6	demirgüç	demirgüç	PROPN
ijosar-727	284	7	-	-	PUNCT
ijosar-727	284	8	kunt	kunt	PROPN
ijosar-727	284	9	,	,	PUNCT
ijosar-727	284	10	a.	a.	NOUN
ijosar-727	284	11	and	and	CCONJ
ijosar-727	284	12	levin	levin	PROPN
ijosar-727	284	13	,	,	PUNCT
ijosar-727	284	14	r.	r.	PROPN
ijosar-727	284	15	(	(	PUNCT
ijosar-727	284	16	2005	2005	NUM
ijosar-727	284	17	)	)	PUNCT
ijosar-727	284	18	.	.	PUNCT
ijosar-727	285	1	bank	bank	NOUN
ijosar-727	285	2	concentration	concentration	NOUN
ijosar-727	285	3	and	and	CCONJ
ijosar-727	285	4	fragility	fragility	NOUN
ijosar-727	285	5	:	:	PUNCT
ijosar-727	285	6	impact	impact	NOUN
ijosar-727	285	7	and	and	CCONJ
ijosar-727	285	8	mechanics	mechanic	NOUN
ijosar-727	285	9	,	,	PUNCT
ijosar-727	285	10	working	work	VERB
ijosar-727	285	11	paper	paper	NOUN
ijosar-727	285	12	11500	11500	NUM
ijosar-727	285	13	,	,	PUNCT
ijosar-727	285	14	national	national	ADJ
ijosar-727	285	15	bureau	bureau	NOUN
ijosar-727	285	16	of	of	ADP
ijosar-727	285	17	economic	economic	ADJ
ijosar-727	285	18	research	research	PROPN
ijosar-727	285	19	,	,	PUNCT
ijosar-727	285	20	june	june	PROPN
ijosar-727	285	21	,	,	PUNCT
ijosar-727	285	22	https://www.nber.org/papers/w11500	https://www.nber.org/papers/w11500	PROPN
ijosar-727	285	23	accessed	access	VERB
ijosar-727	285	24	on	on	ADP
ijosar-727	285	25	june	june	PROPN
ijosar-727	285	26	15	15	NUM
ijosar-727	285	27	,	,	PUNCT
ijosar-727	285	28	2020	2020	NUM
ijosar-727	285	29	.	.	PUNCT
ijosar-727	286	1			PROPN
ijosar-727	286	2	berger	berger	PROPN
ijosar-727	286	3	,	,	PUNCT
ijosar-727	286	4	a.	a.	PROPN
ijosar-727	286	5	n.	n.	PROPN
ijosar-727	286	6	,	,	PUNCT
ijosar-727	286	7	leora	leora	PROPN
ijosar-727	286	8	,	,	PUNCT
ijosar-727	286	9	f.	f.	PROPN
ijosar-727	286	10	k.	k.	PROPN
ijosar-727	286	11	and	and	CCONJ
ijosar-727	286	12	rima	rima	PROPN
ijosar-727	286	13	,	,	PUNCT
ijosar-727	286	14	t.	t.	PROPN
ijosar-727	286	15	(	(	PUNCT
ijosar-727	286	16	2008	2008	NUM
ijosar-727	286	17	)	)	PUNCT
ijosar-727	286	18	.	.	PUNCT
ijosar-727	287	1	bank	bank	NOUN
ijosar-727	287	2	competition	competition	NOUN
ijosar-727	287	3	and	and	CCONJ
ijosar-727	287	4	financial	financial	ADJ
ijosar-727	287	5	stability	stability	NOUN
ijosar-727	287	6	,	,	PUNCT
ijosar-727	287	7	the	the	DET
ijosar-727	287	8	world	world	PROPN
ijosar-727	287	9	bank	bank	PROPN
ijosar-727	287	10	,	,	PUNCT
ijosar-727	287	11	development	development	NOUN
ijosar-727	287	12	research	research	NOUN
ijosar-727	287	13	group	group	NOUN
ijosar-727	287	14	,	,	PUNCT
ijosar-727	287	15	finance	finance	NOUN
ijosar-727	287	16	and	and	CCONJ
ijosar-727	287	17	private	private	ADJ
ijosar-727	287	18	sector	sector	NOUN
ijosar-727	287	19	team	team	NOUN
ijosar-727	287	20	,	,	PUNCT
ijosar-727	287	21	https://www.researchgate.net	https://www.researchgate.net	PROPN
ijosar-727	287	22	accessed	access	VERB
ijosar-727	287	23	on	on	ADP
ijosar-727	287	24	june	june	PROPN
ijosar-727	287	25	15	15	NUM
ijosar-727	287	26	,	,	PUNCT
ijosar-727	287	27	2020	2020	NUM
ijosar-727	287	28	.	.	PUNCT
ijosar-727	288	1			PROPN
ijosar-727	288	2	bhattacharya	bhattacharya	PROPN
ijosar-727	288	3	,	,	PUNCT
ijosar-727	288	4	k.	k.	PROPN
ijosar-727	288	5	and	and	CCONJ
ijosar-727	288	6	das	das	PROPN
ijosar-727	288	7	a.	a.	PROPN
ijosar-727	288	8	(	(	PUNCT
ijosar-727	288	9	2003	2003	NUM
ijosar-727	288	10	)	)	PUNCT
ijosar-727	288	11	.	.	PUNCT
ijosar-727	289	1	dynamics	dynamic	NOUN
ijosar-727	289	2	of	of	ADP
ijosar-727	289	3	market	market	NOUN
ijosar-727	289	4	structure	structure	NOUN
ijosar-727	289	5	and	and	CCONJ
ijosar-727	289	6	competitiveness	competitiveness	NOUN
ijosar-727	289	7	of	of	ADP
ijosar-727	289	8	the	the	DET
ijosar-727	289	9	banking	banking	NOUN
ijosar-727	289	10	sector	sector	NOUN
ijosar-727	289	11	in	in	ADP
ijosar-727	289	12	india	india	PROPN
ijosar-727	289	13	and	and	CCONJ
ijosar-727	289	14	its	its	PRON
ijosar-727	289	15	impact	impact	NOUN
ijosar-727	289	16	on	on	ADP
ijosar-727	289	17	output	output	NOUN
ijosar-727	289	18	and	and	CCONJ
ijosar-727	289	19	prices	price	NOUN
ijosar-727	289	20	of	of	ADP
ijosar-727	289	21	banking	banking	NOUN
ijosar-727	289	22	services	service	NOUN
ijosar-727	289	23	,	,	PUNCT
ijosar-727	289	24	reserve	reserve	PROPN
ijosar-727	289	25	bank	bank	PROPN
ijosar-727	289	26	of	of	ADP
ijosar-727	289	27	india	india	PROPN
ijosar-727	289	28	occasional	occasional	ADJ
ijosar-727	289	29	papers	paper	NOUN
ijosar-727	289	30	vol	vol	NOUN
ijosar-727	289	31	.	.	PROPN
ijosar-727	289	32	24	24	NUM
ijosar-727	289	33	,	,	PUNCT
ijosar-727	289	34	no	no	INTJ
ijosar-727	289	35	.	.	NOUN
ijosar-727	289	36	3	3	NUM
ijosar-727	289	37	,	,	PUNCT
ijosar-727	289	38	winter	winter	NOUN
ijosar-727	289	39	2003	2003	NUM
ijosar-727	289	40	.	.	PUNCT
ijosar-727	290	1			PROPN
ijosar-727	290	2	das	das	PROPN
ijosar-727	290	3	,	,	PUNCT
ijosar-727	290	4	s.	s.	PROPN
ijosar-727	290	5	(	(	PUNCT
ijosar-727	290	6	2019	2019	NUM
ijosar-727	290	7	)	)	PUNCT
ijosar-727	290	8	.	.	PUNCT
ijosar-727	291	1	indian	indian	PROPN
ijosar-727	291	2	banking	banking	NOUN
ijosar-727	291	3	at	at	ADP
ijosar-727	291	4	crossroads	crossroad	NOUN
ijosar-727	291	5	:	:	PUNCT
ijosar-727	291	6	some	some	DET
ijosar-727	291	7	reflections	reflection	NOUN
ijosar-727	291	8	,	,	PUNCT
ijosar-727	291	9	speech	speech	NOUN
ijosar-727	291	10	delivered	deliver	VERB
ijosar-727	291	11	at	at	ADP
ijosar-727	291	12	the	the	DET
ijosar-727	291	13	first	first	ADJ
ijosar-727	291	14	annual	annual	ADJ
ijosar-727	291	15	economics	economic	NOUN
ijosar-727	291	16	conference	conference	NOUN
ijosar-727	291	17	,	,	PUNCT
ijosar-727	291	18	amrut	amrut	NOUN
ijosar-727	291	19	mody	mody	NOUN
ijosar-727	291	20	school	school	NOUN
ijosar-727	291	21	of	of	ADP
ijosar-727	291	22	management	management	NOUN
ijosar-727	291	23	,	,	PUNCT
ijosar-727	291	24	ahmedabad	ahmedabad	PROPN
ijosar-727	291	25	university	university	PROPN
ijosar-727	291	26	,	,	PUNCT
ijosar-727	291	27	https://www.rbi.org.in	https://www.rbi.org.in	X
ijosar-727	291	28	,	,	PUNCT
ijosar-727	291	29	november	november	PROPN
ijosar-727	291	30	.	.	PUNCT
ijosar-727	292	1			PROPN
ijosar-727	292	2	demirgüç	demirgüç	PROPN
ijosar-727	292	3	-	-	PUNCT
ijosar-727	292	4	kunt	kunt	PROPN
ijosar-727	292	5	,	,	PUNCT
ijosar-727	292	6	a.	a.	NOUN
ijosar-727	292	7	and	and	CCONJ
ijosar-727	292	8	martínez	martínez	PROPN
ijosar-727	292	9	pería	pería	VERB
ijosar-727	292	10	,	,	PUNCT
ijosar-727	292	11	s.	s.	PROPN
ijosar-727	292	12	m.	m.	PROPN
ijosar-727	292	13	(	(	PUNCT
ijosar-727	292	14	2010	2010	NUM
ijosar-727	292	15	)	)	PUNCT
ijosar-727	292	16	.	.	PUNCT
ijosar-727	293	1	a	a	DET
ijosar-727	293	2	framework	framework	NOUN
ijosar-727	293	3	for	for	ADP
ijosar-727	293	4	analyzing	analyze	VERB
ijosar-727	293	5	competition	competition	NOUN
ijosar-727	293	6	in	in	ADP
ijosar-727	293	7	the	the	DET
ijosar-727	293	8	banking	banking	NOUN
ijosar-727	293	9	sector	sector	NOUN
ijosar-727	293	10	,	,	PUNCT
ijosar-727	293	11	the	the	DET
ijosar-727	293	12	world	world	PROPN
ijosar-727	293	13	bank	bank	PROPN
ijosar-727	293	14	,	,	PUNCT
ijosar-727	293	15	development	development	NOUN
ijosar-727	293	16	research	research	NOUN
ijosar-727	293	17	group	group	NOUN
ijosar-727	293	18	,	,	PUNCT
ijosar-727	293	19	finance	finance	NOUN
ijosar-727	293	20	and	and	CCONJ
ijosar-727	293	21	private	private	ADJ
ijosar-727	293	22	sector	sector	NOUN
ijosar-727	293	23	development	development	NOUN
ijosar-727	293	24	team	team	NOUN
ijosar-727	293	25	,	,	PUNCT
ijosar-727	293	26	december	december	PROPN
ijosar-727	293	27	.	.	PUNCT
ijosar-727	294	1			PROPN
ijosar-727	294	2	dutta	dutta	PROPN
ijosar-727	294	3	,	,	PUNCT
ijosar-727	294	4	n.	n.	NOUN
ijosar-727	294	5	(	(	PUNCT
ijosar-727	294	6	2013	2013	NUM
ijosar-727	294	7	)	)	PUNCT
ijosar-727	294	8	.	.	PUNCT
ijosar-727	295	1	competition	competition	NOUN
ijosar-727	295	2	in	in	ADP
ijosar-727	295	3	indian	indian	ADJ
ijosar-727	295	4	commercial	commercial	ADJ
ijosar-727	295	5	banking	banking	NOUN
ijosar-727	295	6	sector	sector	NOUN
ijosar-727	295	7	in	in	ADP
ijosar-727	295	8	the	the	DET
ijosar-727	295	9	liberalized	liberalized	ADJ
ijosar-727	295	10	regime	regime	NOUN
ijosar-727	295	11	:	:	PUNCT
ijosar-727	295	12	an	an	DET
ijosar-727	295	13	empirical	empirical	ADJ
ijosar-727	295	14	evaluation	evaluation	NOUN
ijosar-727	295	15	,	,	PUNCT
ijosar-727	295	16	international	international	ADJ
ijosar-727	295	17	journal	journal	NOUN
ijosar-727	295	18	of	of	ADP
ijosar-727	295	19	banking	banking	NOUN
ijosar-727	295	20	,	,	PUNCT
ijosar-727	295	21	risk	risk	NOUN
ijosar-727	295	22	and	and	CCONJ
ijosar-727	295	23	insurance	insurance	NOUN
ijosar-727	295	24	.	.	PUNCT
ijosar-727	296	1			PROPN
ijosar-727	296	2	gandhi	gandhi	PROPN
ijosar-727	296	3	,	,	PUNCT
ijosar-727	296	4	r.	r.	PROPN
ijosar-727	296	5	(	(	PUNCT
ijosar-727	296	6	2016	2016	NUM
ijosar-727	296	7	)	)	PUNCT
ijosar-727	296	8	.	.	PUNCT
ijosar-727	297	1	consolidation	consolidation	NOUN
ijosar-727	297	2	among	among	ADP
ijosar-727	297	3	public	public	ADJ
ijosar-727	297	4	sector	sector	NOUN
ijosar-727	297	5	banks	bank	NOUN
ijosar-727	297	6	,	,	PUNCT
ijosar-727	297	7	speech	speech	NOUN
ijosar-727	297	8	delivered	deliver	VERB
ijosar-727	297	9	at	at	ADP
ijosar-727	297	10	the	the	DET
ijosar-727	297	11	mint	mint	PROPN
ijosar-727	297	12	south	south	PROPN
ijosar-727	297	13	banking	banking	PROPN
ijosar-727	297	14	enclave	enclave	NOUN
ijosar-727	297	15	,	,	PUNCT
ijosar-727	297	16	bangalore	bangalore	NOUN
ijosar-727	297	17	,	,	PUNCT
ijosar-727	297	18	https://www.rbi.org.in	https://www.rbi.org.in	NOUN
ijosar-727	297	19	,	,	PUNCT
ijosar-727	297	20	rbi	rbi	NOUN
ijosar-727	297	21	bulletin	bulletin	NOUN
ijosar-727	297	22	,	,	PUNCT
ijosar-727	297	23	may	may	AUX
ijosar-727	297	24	.	.	PUNCT
ijosar-727	298	1			PROPN
ijosar-727	298	2	goi	goi	PROPN
ijosar-727	298	3	(	(	PUNCT
ijosar-727	298	4	2017	2017	NUM
ijosar-727	298	5	)	)	PUNCT
ijosar-727	298	6	.	.	PUNCT
ijosar-727	299	1	cabinet	cabinet	NOUN
ijosar-727	299	2	gives	give	VERB
ijosar-727	299	3	in	in	ADP
ijosar-727	299	4	-	-	PUNCT
ijosar-727	299	5	principle	principle	NOUN
ijosar-727	299	6	approval	approval	NOUN
ijosar-727	299	7	for	for	ADP
ijosar-727	299	8	public	public	ADJ
ijosar-727	299	9	sector	sector	NOUN
ijosar-727	299	10	banks	bank	NOUN
ijosar-727	299	11	to	to	PART
ijosar-727	299	12	amalgamate	amalgamate	VERB
ijosar-727	299	13	through	through	ADP
ijosar-727	299	14	an	an	DET
ijosar-727	299	15	alternative	alternative	ADJ
ijosar-727	299	16	mechanism	mechanism	NOUN
ijosar-727	299	17	,	,	PUNCT
ijosar-727	299	18	press	press	NOUN
ijosar-727	299	19	information	information	NOUN
ijosar-727	299	20	bureau	bureau	NOUN
ijosar-727	299	21	,	,	PUNCT
ijosar-727	299	22	government	government	NOUN
ijosar-727	299	23	of	of	ADP
ijosar-727	299	24	india	india	PROPN
ijosar-727	299	25	,	,	PUNCT
ijosar-727	299	26	https://pib.gov.in/newsite/printrelease.aspx?relid=170187	https://pib.gov.in/newsite/printrelease.aspx?relid=170187	PROPN
ijosar-727	299	27	accessed	access	VERB
ijosar-727	299	28	on	on	ADP
ijosar-727	299	29	june	june	PROPN
ijosar-727	299	30	15	15	NUM
ijosar-727	299	31	,	,	PUNCT
ijosar-727	299	32	2020	2020	NUM
ijosar-727	299	33	.	.	PUNCT
ijosar-727	300	1			ADJ
ijosar-727	300	2	group	group	NOUN
ijosar-727	300	3	of	of	ADP
ijosar-727	300	4	ten	ten	NUM
ijosar-727	300	5	(	(	PUNCT
ijosar-727	300	6	2001	2001	NUM
ijosar-727	300	7	)	)	PUNCT
ijosar-727	300	8	.	.	PUNCT
ijosar-727	301	1	report	report	NOUN
ijosar-727	301	2	on	on	ADP
ijosar-727	301	3	consolidation	consolidation	NOUN
ijosar-727	301	4	in	in	ADP
ijosar-727	301	5	the	the	DET
ijosar-727	301	6	financial	financial	ADJ
ijosar-727	301	7	sector	sector	NOUN
ijosar-727	301	8	,	,	PUNCT
ijosar-727	301	9	bank	bank	NOUN
ijosar-727	301	10	for	for	ADP
ijosar-727	301	11	internationalsettlements	internationalsettlement	NOUN
ijosar-727	301	12	,	,	PUNCT
ijosar-727	301	13	january	january	PROPN
ijosar-727	301	14	,	,	PUNCT
ijosar-727	301	15	https://www.bis.org	https://www.bis.org	X
ijosar-727	301	16	;	;	PUNCT
ijosar-727	301	17	https://www.imf.org	https://www.imf.org	ADJ
ijosar-727	301	18	;	;	PUNCT
ijosar-727	301	19	https://www.bis	https://www.bis	ADJ
ijosar-727	301	20	.	.	PUNCT
ijosar-727	302	1	org	org	NOUN
ijosar-727	302	2	;	;	PUNCT
ijosar-727	302	3	accessed	access	VERB
ijosar-727	302	4	on	on	ADP
ijosar-727	302	5	june	june	PROPN
ijosar-727	302	6	15	15	NUM
ijosar-727	302	7	,	,	PUNCT
ijosar-727	302	8	2020	2020	NUM
ijosar-727	302	9	.	.	PUNCT
ijosar-727	303	1	ijointernational	ijointernational	ADJ
ijosar-727	303	2	journal	journal	NOUN
ijosar-727	303	3	of	of	ADP
ijosar-727	303	4	social	social	ADJ
ijosar-727	303	5	science	science	NOUN
ijosar-727	303	6	and	and	CCONJ
ijosar-727	303	7	humanities	humanity	NOUN
ijosar-727	303	8	research	research	NOUN
ijosar-727	303	9	(	(	PUNCT
ijosar-727	303	10	issn	issn	PROPN
ijosar-727	303	11	2811	2811	NUM
ijosar-727	303	12	-	-	SYM
ijosar-727	303	13	2466	2466	NUM
ijosar-727	303	14	)	)	PUNCT
ijosar-727	303	15	volume	volume	NOUN
ijosar-727	303	16	06	06	NUM
ijosar-727	304	1	|	|	ADV
ijosar-727	304	2	issue	issue	NOUN
ijosar-727	304	3	09	09	NUM
ijosar-727	304	4	|	|	ADV
ijosar-727	304	5	september	september	PROPN
ijosar-727	304	6	2023	2023	NUM
ijosar-727	304	7	|	|	NOUN
ijosar-727	304	8	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	304	9	13	13	NUM
ijosar-727	304	10	https://www.nber.org/papers/w11500	https://www.nber.org/papers/w11500	NOUN
ijosar-727	304	11	https://www.researchgate.net/	https://www.researchgate.net/	NOUN
ijosar-727	304	12	https://www.rbi.org.in/	https://www.rbi.org.in/	PROPN
ijosar-727	304	13	https://www.rbi.org.in/	https://www.rbi.org.in/	PROPN
ijosar-727	304	14	https://pib.gov.in/newsite/printrelease.aspx?relid=170187	https://pib.gov.in/newsite/printrelease.aspx?relid=170187	VERB
ijosar-727	305	1	https://www.bis.org/	https://www.bis.org/	PROPN
ijosar-727	305	2	https://www.imf.org/	https://www.imf.org/	ADJ
ijosar-727	305	3	https://www.bis.org/	https://www.bis.org/	NOUN
ijosar-727	305	4	https://www.bis.org/	https://www.bis.org/	NOUN
ijosar-727	305	5			ADJ
ijosar-727	305	6	sinha	sinha	NOUN
ijosar-727	305	7	,	,	PUNCT
ijosar-727	305	8	p.	p.	NOUN
ijosar-727	305	9	and	and	CCONJ
ijosar-727	305	10	sharma	sharma	PROPN
ijosar-727	305	11	,	,	PUNCT
ijosar-727	305	12	s.	s.	PROPN
ijosar-727	305	13	(	(	PUNCT
ijosar-727	305	14	2016	2016	NUM
ijosar-727	305	15	)	)	PUNCT
ijosar-727	305	16	.	.	PUNCT
ijosar-727	306	1	relationship	relationship	NOUN
ijosar-727	306	2	of	of	ADP
ijosar-727	306	3	financial	financial	ADJ
ijosar-727	306	4	stability	stability	NOUN
ijosar-727	306	5	and	and	CCONJ
ijosar-727	306	6	risk	risk	NOUN
ijosar-727	306	7	with	with	ADP
ijosar-727	306	8	market	market	NOUN
ijosar-727	306	9	structure	structure	NOUN
ijosar-727	306	10	and	and	CCONJ
ijosar-727	306	11	competition	competition	NOUN
ijosar-727	306	12	:	:	PUNCT
ijosar-727	306	13	evidence	evidence	NOUN
ijosar-727	306	14	from	from	ADP
ijosar-727	306	15	indian	indian	ADJ
ijosar-727	306	16	banking	banking	NOUN
ijosar-727	306	17	sector	sector	NOUN
ijosar-727	306	18	,	,	PUNCT
ijosar-727	306	19	https://mpra.ub.unimuenchen.de/72247/mpra	https://mpra.ub.unimuenchen.de/72247/mpra	PROPN
ijosar-727	306	20	paper	paper	NOUN
ijosar-727	306	21	no	no	NOUN
ijosar-727	306	22	.	.	PROPN
ijosar-727	306	23	72247	72247	NUM
ijosar-727	306	24	.	.	PUNCT
ijosar-727	307	1			PROPN
ijosar-727	307	2	sinha	sinha	PROPN
ijosar-727	307	3	,	,	PUNCT
ijosar-727	307	4	p.	p.	NOUN
ijosar-727	307	5	and	and	CCONJ
ijosar-727	307	6	sharma	sharma	PROPN
ijosar-727	307	7	,	,	PUNCT
ijosar-727	307	8	s.	s.	PROPN
ijosar-727	307	9	(	(	PUNCT
ijosar-727	307	10	2018	2018	NUM
ijosar-727	307	11	)	)	PUNCT
ijosar-727	307	12	.	.	PUNCT
ijosar-727	308	1	dynamics	dynamic	NOUN
ijosar-727	308	2	of	of	ADP
ijosar-727	308	3	competition	competition	NOUN
ijosar-727	308	4	in	in	ADP
ijosar-727	308	5	the	the	DET
ijosar-727	308	6	indian	indian	ADJ
ijosar-727	308	7	banking	banking	NOUN
ijosar-727	308	8	sector	sector	NOUN
ijosar-727	308	9	;	;	PUNCT
ijosar-727	308	10	economic	economic	ADJ
ijosar-727	308	11	&	&	CCONJ
ijosar-727	308	12	political	political	ADJ
ijosar-727	308	13	weekly	weekly	NOUN
ijosar-727	308	14	,	,	PUNCT
ijosar-727	308	15	liii	liii	NOUN
ijosar-727	308	16	(	(	PUNCT
ijosar-727	308	17	13	13	NUM
ijosar-727	308	18	)	)	PUNCT
ijosar-727	308	19	.	.	PUNCT
ijosar-727	309	1			PROPN
ijosar-727	309	2	subbarao	subbarao	PROPN
ijosar-727	309	3	,	,	PUNCT
ijosar-727	309	4	d.	d.	PROPN
ijosar-727	309	5	(	(	PUNCT
ijosar-727	309	6	2013	2013	NUM
ijosar-727	309	7	)	)	PUNCT
ijosar-727	309	8	.	.	PUNCT
ijosar-727	310	1	banking	banking	NOUN
ijosar-727	310	2	structure	structure	NOUN
ijosar-727	310	3	in	in	ADP
ijosar-727	310	4	india	india	PROPN
ijosar-727	310	5	–	–	PUNCT
ijosar-727	310	6	looking	look	VERB
ijosar-727	310	7	ahead	ahead	ADV
ijosar-727	310	8	by	by	ADP
ijosar-727	310	9	looking	look	VERB
ijosar-727	310	10	back	back	ADV
ijosar-727	310	11	,	,	PUNCT
ijosar-727	310	12	speaking	speak	VERB
ijosar-727	310	13	notes	note	NOUN
ijosar-727	310	14	at	at	ADP
ijosar-727	310	15	the	the	DET
ijosar-727	310	16	ficci	ficci	PROPN
ijosar-727	310	17	-	-	PUNCT
ijosar-727	310	18	iba	iba	PROPN
ijosar-727	310	19	annual	annual	ADJ
ijosar-727	310	20	banking	banking	NOUN
ijosar-727	310	21	conference	conference	NOUN
ijosar-727	310	22	in	in	ADP
ijosar-727	310	23	mumbai	mumbai	PROPN
ijosar-727	310	24	on	on	ADP
ijosar-727	310	25	august	august	PROPN
ijosar-727	310	26	13	13	NUM
ijosar-727	310	27	,	,	PUNCT
ijosar-727	310	28	2013	2013	NUM
ijosar-727	310	29	,	,	PUNCT
ijosar-727	310	30	https://www.rbi.org.in	https://www.rbi.org.in	X
ijosar-727	310	31	.	.	PUNCT
ijosar-727	311	1			PROPN
ijosar-727	311	2	talwar	talwar	PROPN
ijosar-727	311	3	,	,	PUNCT
ijosar-727	311	4	s.p	s.p	PROPN
ijosar-727	311	5	.	.	PROPN
ijosar-727	311	6	(	(	PUNCT
ijosar-727	311	7	1998	1998	NUM
ijosar-727	311	8	)	)	PUNCT
ijosar-727	311	9	,	,	PUNCT
ijosar-727	311	10	the	the	DET
ijosar-727	311	11	changing	change	VERB
ijosar-727	311	12	dimensions	dimension	NOUN
ijosar-727	311	13	of	of	ADP
ijosar-727	311	14	supervision	supervision	NOUN
ijosar-727	311	15	and	and	CCONJ
ijosar-727	311	16	regulation	regulation	NOUN
ijosar-727	311	17	,	,	PUNCT
ijosar-727	311	18	speech	speech	NOUN
ijosar-727	311	19	delivered	deliver	VERB
ijosar-727	311	20	in	in	ADP
ijosar-727	311	21	bank	bank	NOUN
ijosar-727	311	22	economists	economist	NOUN
ijosar-727	311	23	'	'	PART
ijosar-727	311	24	conference	conference	NOUN
ijosar-727	311	25	,	,	PUNCT
ijosar-727	311	26	https://www.rbi.org.in	https://www.rbi.org.in	PRON
ijosar-727	311	27	accessed	access	VERB
ijosar-727	311	28	on	on	ADP
ijosar-727	311	29	june	june	PROPN
ijosar-727	311	30	15	15	NUM
ijosar-727	311	31	,	,	PUNCT
ijosar-727	311	32	2020	2020	NUM
ijosar-727	311	33	.	.	PUNCT
ijosar-727	312	1			PROPN
ijosar-727	312	2	talwar	talwar	PROPN
ijosar-727	312	3	,	,	PUNCT
ijosar-727	312	4	s.	s.	PROPN
ijosar-727	312	5	p.	p.	PROPN
ijosar-727	312	6	(	(	PUNCT
ijosar-727	312	7	2001	2001	NUM
ijosar-727	312	8	)	)	PUNCT
ijosar-727	312	9	.	.	PUNCT
ijosar-727	313	1	competition	competition	NOUN
ijosar-727	313	2	,	,	PUNCT
ijosar-727	313	3	consolidation	consolidation	NOUN
ijosar-727	313	4	and	and	CCONJ
ijosar-727	313	5	systemic	systemic	ADJ
ijosar-727	313	6	stability	stability	NOUN
ijosar-727	313	7	in	in	ADP
ijosar-727	313	8	the	the	DET
ijosar-727	313	9	indian	indian	ADJ
ijosar-727	313	10	banking	banking	NOUN
ijosar-727	313	11	industry	industry	NOUN
ijosar-727	313	12	.	.	PUNCT
ijosar-727	314	1	bis	bis	PROPN
ijosar-727	314	2	papers	paper	NOUN
ijosar-727	314	3	no	no	DET
ijosar-727	314	4	4	4	NUM
ijosar-727	314	5	,	,	PUNCT
ijosar-727	314	6	august	august	PROPN
ijosar-727	314	7	,	,	PUNCT
ijosar-727	314	8	bank	bank	NOUN
ijosar-727	314	9	for	for	ADP
ijosar-727	314	10	international	international	ADJ
ijosar-727	314	11	settlements	settlement	NOUN
ijosar-727	314	12	;	;	PUNCT
ijosar-727	314	13	https://www.bis.org	https://www.bis.org	X
ijosar-727	314	14	.	.	PUNCT
ijosar-727	315	1			PROPN
ijosar-727	315	2	world	world	PROPN
ijosar-727	315	3	bank	bank	PROPN
ijosar-727	315	4	(	(	PUNCT
ijosar-727	315	5	2020	2020	NUM
ijosar-727	315	6	)	)	PUNCT
ijosar-727	315	7	.	.	PUNCT
ijosar-727	316	1	banking	banking	NOUN
ijosar-727	316	2	competition	competition	NOUN
ijosar-727	316	3	,	,	PUNCT
ijosar-727	316	4	world	world	PROPN
ijosar-727	316	5	bank	bank	PROPN
ijosar-727	316	6	,	,	PUNCT
ijosar-727	316	7	https://www.worldbank.org	https://www.worldbank.org	NUM
ijosar-727	316	8	,	,	PUNCT
ijosar-727	316	9	accessed	access	VERB
ijosar-727	316	10	on	on	ADP
ijosar-727	316	11	june	june	PROPN
ijosar-727	316	12	15	15	NUM
ijosar-727	316	13	,	,	PUNCT
ijosar-727	316	14	2020	2020	NUM
ijosar-727	316	15	.	.	PUNCT
ijosar-727	317	1	*	*	PUNCT
ijosar-727	318	1	*	*	PUNCT
ijosar-727	318	2	*	*	PUNCT
ijosar-727	318	3	*	*	PUNCT
ijosar-727	318	4	*	*	PUNCT
ijosar-727	318	5	*	*	PUNCT
ijosar-727	318	6	*	*	PUNCT
ijosar-727	318	7	*	*	PUNCT
ijosar-727	318	8	*	*	PUNCT
ijosar-727	318	9	*	*	PUNCT
ijosar-727	318	10	*	*	PUNCT
ijosar-727	318	11	*	*	PUNCT
ijosar-727	318	12	*	*	PUNCT
ijosar-727	318	13	*	*	PUNCT
ijosar-727	318	14	ijointernational	ijointernational	ADJ
ijosar-727	318	15	journal	journal	NOUN
ijosar-727	318	16	of	of	ADP
ijosar-727	318	17	social	social	ADJ
ijosar-727	318	18	science	science	NOUN
ijosar-727	318	19	and	and	CCONJ
ijosar-727	318	20	humanities	humanity	NOUN
ijosar-727	318	21	research	research	NOUN
ijosar-727	318	22	(	(	PUNCT
ijosar-727	318	23	issn	issn	PROPN
ijosar-727	318	24	2811	2811	NUM
ijosar-727	318	25	-	-	SYM
ijosar-727	318	26	2466	2466	NUM
ijosar-727	318	27	)	)	PUNCT
ijosar-727	318	28	volume	volume	NOUN
ijosar-727	318	29	06	06	NUM
ijosar-727	318	30	|	|	ADV
ijosar-727	318	31	issue	issue	NOUN
ijosar-727	318	32	09	09	NUM
ijosar-727	318	33	|	|	ADV
ijosar-727	318	34	september	september	PROPN
ijosar-727	318	35	2023	2023	NUM
ijosar-727	318	36	|	|	NOUN
ijosar-727	318	37	http://ijojournals.com/index.php/ssh/index	http://ijojournals.com/index.php/ssh/index	NOUN
ijosar-727	318	38	14	14	NUM
ijosar-727	318	39	https://mpra.ub.uni-muenchen.de/72247/mpra	https://mpra.ub.uni-muenchen.de/72247/mpra	PROPN
ijosar-727	318	40	paper	paper	NOUN
ijosar-727	318	41	no	no	NOUN
ijosar-727	318	42	.	.	PUNCT
ijosar-727	319	1	72247	72247	NUM
ijosar-727	319	2	https://mpra.ub.uni-muenchen.de/72247/mpra	https://mpra.ub.uni-muenchen.de/72247/mpra	PROPN
ijosar-727	319	3	paper	paper	NOUN
ijosar-727	319	4	no	no	NOUN
ijosar-727	319	5	.	.	PUNCT
ijosar-727	319	6	72247	72247	NUM
ijosar-727	319	7	https://www.rbi.org.in/	https://www.rbi.org.in/	NOUN
ijosar-727	319	8	https://www.rbi.org.in/	https://www.rbi.org.in/	NOUN
ijosar-727	319	9	https://www.bis.org/	https://www.bis.org/	VERB
ijosar-727	319	10	https://www.worldbank.org/	https://www.worldbank.org/	ADV
ijosar-727	319	11	the	the	DET
ijosar-727	319	12	benefits	benefit	NOUN
ijosar-727	319	13	of	of	ADP
ijosar-727	319	14	bank	bank	NOUN
ijosar-727	319	15	mergers	merger	NOUN
ijosar-727	319	16	efficiency	efficiency	NOUN
ijosar-727	319	17	business	business	NOUN
ijosar-727	319	18	gaps	gap	NOUN
ijosar-727	319	19	filled	fill	VERB
ijosar-727	319	20	talent	talent	NOUN
ijosar-727	319	21	and	and	CCONJ
ijosar-727	319	22	team	team	NOUN
ijosar-727	319	23	upgrade	upgrade	VERB
ijosar-727	319	24	disadvantages	disadvantage	NOUN
ijosar-727	319	25	:	:	PUNCT
ijosar-727	319	26	poor	poor	ADJ
ijosar-727	319	27	culture	culture	NOUN
ijosar-727	319	28	fit	fit	ADJ
ijosar-727	319	29	not	not	PART
ijosar-727	319	30	enough	enough	ADJ
ijosar-727	319	31	commitment	commitment	NOUN
ijosar-727	319	32	customer	customer	NOUN
ijosar-727	319	33	impact	impact	NOUN
ijosar-727	319	34	and	and	CCONJ
ijosar-727	319	35	perception	perception	NOUN
ijosar-727	319	36	compliance	compliance	NOUN
ijosar-727	319	37	and	and	CCONJ
ijosar-727	319	38	risk	risk	NOUN
ijosar-727	319	39	consistency	consistency	NOUN
ijosar-727	319	40	issues	issue	NOUN
ijosar-727	319	41	faced	face	VERB
ijosar-727	319	42	by	by	ADP
ijosar-727	319	43	indian	indian	ADJ
ijosar-727	319	44	public	public	ADJ
ijosar-727	319	45	sector	sector	NOUN
ijosar-727	319	46	banks	bank	NOUN
ijosar-727	319	47	post	post	ADJ
ijosar-727	319	48	-	-	ADJ
ijosar-727	319	49	merger	merger	ADJ
ijosar-727	319	50	non	non	ADJ
ijosar-727	319	51	-	-	ADJ
ijosar-727	319	52	performing	perform	VERB
ijosar-727	319	53	assets	asset	NOUN
ijosar-727	319	54	ratio	ratio	NOUN
ijosar-727	319	55	unemployment	unemployment	NOUN
ijosar-727	319	56	of	of	ADP
ijosar-727	319	57	bank	bank	NOUN
ijosar-727	319	58	employees	employee	NOUN
ijosar-727	319	59	managerial	managerial	ADJ
ijosar-727	319	60	efficiency	efficiency	NOUN
ijosar-727	319	61	political	political	ADJ
ijosar-727	319	62	pressure	pressure	NOUN
ijosar-727	319	63	the	the	DET
ijosar-727	319	64	issue	issue	NOUN
ijosar-727	319	65	faced	face	VERB
ijosar-727	319	66	by	by	ADP
ijosar-727	319	67	customers	customer	NOUN
ijosar-727	319	68	unemployment	unemployment	NOUN
ijosar-727	319	69	merits	merit	NOUN
ijosar-727	319	70	of	of	ADP
ijosar-727	319	71	mergers	merger	NOUN
ijosar-727	319	72	of	of	ADP
ijosar-727	319	73	public	public	ADJ
ijosar-727	319	74	sector	sector	NOUN
ijosar-727	319	75	banks	bank	NOUN
ijosar-727	319	76	recapitalization	recapitalization	VERB
ijosar-727	319	77	new	new	ADJ
ijosar-727	319	78	generation	generation	NOUN
ijosar-727	319	79	banking	banking	NOUN
ijosar-727	319	80	operating	operate	VERB
ijosar-727	319	81	cost	cost	NOUN
ijosar-727	319	82	shareholders	shareholder	NOUN
ijosar-727	319	83	global	global	ADJ
ijosar-727	319	84	market	market	NOUN
ijosar-727	319	85	conclusion	conclusion	NOUN