If a bank has net-interest-margin (NIM) of 4% and return-on-assets (ROA) of 0% then:

a) The bank is making good money since NIM is a key measure of bank profitability.

b)The bank has ROE equal to zero.

c)The bank is very profitable since a high NIM also implies a high return-on-equity (ROE).

d)The bank appears to be utilising its assets efficiently, since a high NIM implies a high asset utilisation (total revenue/total assets) rate.

e)None of the answers.