00378pab a2200133 454500008004000000100001800040245009400058260000900152300001300161362000800174650001000182700002600192773002600218180718b2003   xxu||||| |||| 00| 0 eng d  aGhosh, Saibal  aDeterminants of net interest margins: an empirical analysis of Indian public sector banks  c2003  ap.43-51.  aApr  aBanks  aBhattacharjee, Subhra  aAsian Economic Review