PHATAK S R. (1993). GUIDE TO PRACTICAL CREDIT APPRAISAL & PRESENTATION FOR BRANCH BANKERS. HALLMARK PUBLICATIONS.
Chicago Style aipamenaPHATAK S R. GUIDE TO PRACTICAL CREDIT APPRAISAL & PRESENTATION FOR BRANCH BANKERS. MUMBAI: HALLMARK PUBLICATIONS, 1993.
MLA aipamenaPHATAK S R. GUIDE TO PRACTICAL CREDIT APPRAISAL & PRESENTATION FOR BRANCH BANKERS. HALLMARK PUBLICATIONS, 1993.
Kontuz: berrikusi erreferentzia hauek erabili aurretik.