Ririn Breliastiti
Strategi unit usaha syariah bank x dalam mewujudkan visi bank x menjadi universal bank
2002
 UI - Tesis Membership
Bikker, Jacob A.
Bank performance : a theoretical and empirical framework for the analysis of profitability, competition and efficiency
Routledge, Taylor & Francis Group, 2008
 Buku Teks
Fenomena universal banking ditinjau dari persepsi pelaku sistem keuangan Indonesia
 Artikel Jurnal
Hankes, Elmer Joseph
A universal second language
Hankes Foundation, 1992
 Buku Teks SO
Current perspectives in banking: operation, management and regulation
edited by Thomas M. Havrilesky and John T. Boorman
AHM Pub., 1980
 Buku Teks