Cita APA (7th ed.)

Gray, S., Karam, P., & Turk-Ariss, R. (2014). Are Banks Really Lazy?: Evidence from Middle East and North Africa. International Monetary Fund.

Cita Chicago (17th ed.)

Gray, Simon, Philippe Karam, i Rima Turk-Ariss. Are Banks Really Lazy?: Evidence from Middle East and North Africa. Washington, D.C.: International Monetary Fund, 2014.

Cita MLA (8th ed.)

Gray, Simon, et al. Are Banks Really Lazy?: Evidence from Middle East and North Africa. International Monetary Fund, 2014.