Bhattacharya, H. (2011). Banking strategy, credit appraisal, and lending decisions: A risk-return framework (2nd.). Oxford.
Chicago-viite (17. p.)Bhattacharya, Hrishikes. Banking Strategy, Credit Appraisal, and Lending Decisions: A Risk-return Framework. 2nd. New Delhi: Oxford, 2011.
MLA-viite (9. p.)Bhattacharya, Hrishikes. Banking Strategy, Credit Appraisal, and Lending Decisions: A Risk-return Framework. 2nd. Oxford, 2011.
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