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Smith, R., Walter, I., & Delong, G. (2012-01-17). Assessing and Managing Risk in Global Banking. In Global Banking. : Oxford University Press. Retrieved 26 Feb. 2020, from https://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780195335934.001.0001/acprof-9780195335934-chapter-13.