00361pab a2200133 454500008004000000100001800040245009100058260000900149300001400158362000800172650001000180700001900190773001800209180718b2002 xxu||||| |||| 00| 0 eng d aRay, Indrajit aX-efficiency revisited: its concept and measurement in commercial banking institutions c2002 ap.155-68. aJun aBanks aSanyal, Sumita aArtha Vijnana