APA način citiranja (7. izdanje)

PHATAK S R. (1993). GUIDE TO PRACTICAL CREDIT APPRAISAL & PRESENTATION FOR BRANCH BANKERS. HALLMARK PUBLICATIONS.

Čikaški stil citiranja (17. izdanje)

PHATAK S R. GUIDE TO PRACTICAL CREDIT APPRAISAL & PRESENTATION FOR BRANCH BANKERS. MUMBAI: HALLMARK PUBLICATIONS, 1993.

MLA način citiranja (9. izdanje)

PHATAK S R. GUIDE TO PRACTICAL CREDIT APPRAISAL & PRESENTATION FOR BRANCH BANKERS. HALLMARK PUBLICATIONS, 1993.