APA (7th ed.) Citation

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

Chicago Style (17th ed.) Citation

Gray, Janet L., and Thomas W. Harvey. Quality Value Banking: Effective Management Systems That Increase Earnings, Lower Costs, and Provide Competitive Customer Service. New York [etc.]: Wiley & Sons, 1992.

MLA (9th ed.) Citation

Gray, Janet L., and Thomas W. Harvey. Quality Value Banking: Effective Management Systems That Increase Earnings, Lower Costs, and Provide Competitive Customer Service. Wiley & Sons, 1992.