APA (7th ed.) Citation

Salud, J. P. (1999). Banking in retrospect. Manila Times.

Chicago Style (17th ed.) Citation

Salud, Joel P. "Banking in Retrospect." Manila Times 1999.

MLA (9th ed.) Citation

Salud, Joel P. "Banking in Retrospect." Manila Times, 1999.

Warning: These citations may not always be 100% accurate.