Bhattacharya, H. (2011). Banking strategy, credit appraisal, and lending decisions: A risk-return framework (2nd.). Oxford.
शिकागो शैली (17वां संस्करण) प्रशस्ति पत्रBhattacharya, Hrishikes. Banking Strategy, Credit Appraisal, and Lending Decisions: A Risk-return Framework. 2nd. New Delhi: Oxford, 2011.
एमएलए (9वां संस्करण) प्रशस्ति पत्रBhattacharya, Hrishikes. Banking Strategy, Credit Appraisal, and Lending Decisions: A Risk-return Framework. 2nd. Oxford, 2011.
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