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<xml><bibliography><APA>Muhammad Bilal และผู้แต่งคนอื่นๆ. (2019) ROLES, RESPONSIBILITIES, AND HINDRANCES OF CHIEF RISK OFFICER IN THE RISK MANAGEMENT FRAMEWORK FOR THE BANKING INDUSTRY OF PAKISTAN: A QUALITATIVE APPROACH. &lt;i&gt;International Transaction Journal of Engineering, Management, &amp; Applied Sciences &amp; Technologies&lt;/i&gt;, &lt;i&gt;10&lt;/i&gt;(15), 10A15B: 1-11.</APA><Chicago>Muhammad Bilal และผู้แต่งคนอื่นๆ. "ROLES, RESPONSIBILITIES, AND HINDRANCES OF CHIEF RISK OFFICER IN THE RISK MANAGEMENT FRAMEWORK FOR THE BANKING INDUSTRY OF PAKISTAN: A QUALITATIVE APPROACH". International Transaction Journal of Engineering, Management, &amp; Applied Sciences &amp; Technologies  10 (2019):10A15B: 1-11.</Chicago><MLA>Muhammad Bilal และผู้แต่งคนอื่นๆ. ROLES, RESPONSIBILITIES, AND HINDRANCES OF CHIEF RISK OFFICER IN THE RISK MANAGEMENT FRAMEWORK FOR THE BANKING INDUSTRY OF PAKISTAN: A QUALITATIVE APPROACH. TuEngr Group:ม.ป.ท. 2019.</MLA></bibliography></xml>
