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Saal, M. I., Lindgren, C., & Garcia, G. G. (1996). "6 Operating Environment". In Bank Soundness and Macroeconomic Policy. USA: International Monetary Fund. Retrieved May 11, 2023, from https://www.elibrary.imf.org/view/book/9781557755995/ch008.xml

Saal, Matthew I., Carl-Johan Lindgren, and G. G. Garcia. "6 Operating Environment". Bank Soundness and Macroeconomic Policy. USA: International Monetary Fund, 1996. < https://doi.org/10.5089/9781557755995.071.ch008>. Web. 11 May. 2023.

Saal, Matthew I., Carl-Johan Lindgren, and G. G. Garcia. "6 Operating Environment". In Bank Soundness and Macroeconomic Policy, (USA: International Monetary Fund, 1996) accessed May 11, 2023, https://doi.org/10.5089/9781557755995.071.ch008

Saal, M. I., Lindgren, C., and Garcia, G. G. (1996). 6 Operating Environment. In Bank Soundness and Macroeconomic Policy, USA: International Monetary Fund. available from: < https://doi.org/10.5089/9781557755995.071.ch008> [Accessed 11 May 2023]