7. Evaluation of a bank's return on assets (ROA) Which of the following factors influencing a bank's income statements are the bank policy decisions? Check all that apply. Composition of liabilities Efficiency of personnel O Tax laws O Quality of assets Service charges Complete the following statement about a possible reason for a low return on assets (ROA). If the bank is conservative in avoiding loan losses, its net interest margin will be Thus, banks tend to increase their concentration of relatively loans during periods of prosperity, and they increase their concentration of relatively investments when economic conditions are less favorable. Service charges low Complete the following statement about a possible reason for a low return on ass high A). If the bank is conservative in avoiding loan losses, its net interest margin will be . Thus, banks tend to increase their concentration of relatively loans during periods of prosperity, and they increase their concentration of relatively investments when economic conditions are less favorable. low-risk Complete the following statement about a possible reason for a low return on assets (ROA). risky If the bank is conservative in avoiding loan losses, its net interest margin will be Thus, banks ter relatively loans during periods of prosperity, and they increase their concentration of relatively economic conditions are less favorable. se their concentration of investments when risky omplete ng statement about a possible reason for a low return on assets (ROA). low-risk the ban vative in avoiding loan losses, its net interest margin will be Thus, banks tend to increase their concentration of latively loans during periods of prosperity, and they increase their concentration of relatively investments when conomic conditions are less favorable