<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>17</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">Dilek Bulbula</style></author><author><style face="normal" font="default" size="100%">Hendrik Hakenes</style></author><author><style face="normal" font="default" size="100%">Claudia Lambert</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">What Influences Banks’ Choice of Credit Risk Management Practices</style></title><secondary-title><style face="normal" font="default" size="100%">Theory and Evidence</style></secondary-title></titles><dates><year><style  face="normal" font="default" size="100%">2019</style></year><pub-dates><date><style  face="normal" font="default" size="100%">February 2019</style></date></pub-dates></dates><volume><style face="normal" font="default" size="100%">40 </style></volume><pages><style face="normal" font="default" size="100%">1–14</style></pages><language><style face="normal" font="default" size="100%">eng</style></language></record></records></xml>