00311pab a2200121 454500008004000000100002400040245002600064260000900090300001000099362001500109650001800124773004700142180718b1983   xxu||||| |||| 00| 0 eng d  aRamana Murthy, D.V.  aHuman factor in banks  c1983  a143-6  aJuly-Sept.  aBanks - India  aJournal of the Indian Institute of Bankers