APA način citiranja

Bhattacharya, H. (1998). Banking strategy, credit appraisal and lending decisions: A risk-return framework. Oxford.

Čikaški stil citiranja

Bhattacharya, Hrishikes. Banking Strategy, Credit Appraisal and Lending Decisions: A Risk-return Framework. Delhi: Oxford, 1998.

MLA način citiranja

Bhattacharya, Hrishikes. Banking Strategy, Credit Appraisal and Lending Decisions: A Risk-return Framework. Oxford, 1998.