A commercial banks financial performance is impacted in an economic downturn for which of reason?

Group of answer choices

a. Customers become afraid and go to the bank and withdraw all their deposits

b. Loan customers are unable to make their loan payments timely because of troubled economic conditions

c. The yield on their investment portfolio is lower than it normally is in good economic times

d. Bank regulators become apprehensive of the economic outlook and puts fines on the bank