Bhattacharya, Hrishikes. Banking strategy credit appraisal and lending decision : a risk-return framework. - 2nd ed. - New Delhi : Oxford University Press, 2011. - xix, 231 p. : ill. ; 26 cm. Includes bibliography & index. ISBN: 9780198074106 Subjects--Topical Terms: Banking. Dewey Class. No.: REF BHA