O a premises O b. retained earnings Oc the annual provision for loan losses Od the allowance for loan losses Oe.cash QUESTION 14 RAK Bank reported that it had a spread of 28% in 2020. This means it O a the net noninterest margin could be either positive or negativo, more information is needed Ob both a and care correct the net interest margin is also 28% d earned a 2.8 percentage point higher return on its loans and securities investments than it paid to the average depositor e both a and b are correct