Study Research/Analysis/Empirical/investigation Methods Techniques / Approach Calculate Compute/Evaluate/Measure Showed Indicated / Pointed out/ Illustrated/Informed/reveal / demonstrated/imply Selected Specified

ified / Chose / Designated / Used/employed / applied Dominated Prevailed / Concentrated Representative similar / broadly similar Applied Utlilised / Used / Employed/ Deployed Comprised Composed of / Consisted / Constituted / was formed by/ Results Findings / Outcome of study Contrast Contradict / Conflict / Conversely Data Set Sample of banks/ Set of Observations / data points Conducted Performed / Undertook Spanning Covering / Encompassing / Cross-country International comparison / Multicountry /comparative analysis / inter-country comparisons/ cross-border Overall broadly, all in all, generally, Period time span / period of analysis / comparative analysis burgeoning flourishing Exhibit manifiest