APA-ийн эшлэл(7 дахь хэвлэлт)

Bhattacharya, H. (2011). Banking strategy, credit appraisal, and lending decisions: A risk-return framework (2nd.). Oxford.

Чикаго-гийн эшлэл (17 дахь хэвлэлт)

Bhattacharya, Hrishikes. Banking Strategy, Credit Appraisal, and Lending Decisions: A Risk-return Framework. 2nd. New Delhi: Oxford, 2011.

MLA -ийн эшлэл (9 дэх хэвлэлт)

Bhattacharya, Hrishikes. Banking Strategy, Credit Appraisal, and Lending Decisions: A Risk-return Framework. 2nd. Oxford, 2011.