00467pab a2200157 454500008004000000100002300040245009100063260000900154300001400163650003100177650001900208650002800227650001000255700002300265773002100288180718b2004   xxu||||| |||| 00| 0 eng d  aChirwa, Ephraim W.  aFinancial reforms and interest rate spreads in the commercial banking system in Malawi  c2004  ap.96-122.  aFinancial markets - Malawi  aBanks - Malawi  aInterest rates - Malawi  aBanks  aMlachila, Montfort  aIMF Staff Papers