APA-referens

Gray, J. L., & Harvey, T. W. (1992). Quality value banking: Effective management systems that increase earnings, lower costs, and provide competetive customer service. John wiley & sons.

Chicago-stil citat

Gray, Janet L., och Thomas W. Harvey. Quality Value Banking: Effective Management Systems That Increase Earnings, Lower Costs, and Provide Competetive Customer Service. New York: John wiley & sons, 1992.

MLA-referens

Gray, Janet L., och Thomas W. Harvey. Quality Value Banking: Effective Management Systems That Increase Earnings, Lower Costs, and Provide Competetive Customer Service. John wiley & sons, 1992.