check all that apply. will downvote if wrong.

7. Evaluation of a bank's return on assets (ROA) Which of the following factors influencing a bank's income statements are not controlled by the bank? Check all that apply. Capital structure regulations Inflation Composition of assets Quality of assets Regulatory provisions low Complete the following statement about a possible reason for a low return on and high ) 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