Milenkovic, N., Pjanic, M. & Ostojic, S. (2011). Credit risk analysis based on financial statements as the key influencing factor on investor risk. International Symposium Engineering Management and Competitiveness. Zrenjanin, Serbia.
PWC. (2013). Understanding a financial statement audit. Retrieved from https://www.pwc.com/gx/en/audit-services/publications/assets/pwc-understanding-financial-statement-audit.pdf
Thoraval, P. Y. (2006). Stress-Testing on Credit Risk: Macroprudential Supervision: Challenges for Financial Supervisors. Secrétariat général de la Commission bancaire.