Question 21 (3 points) We find that a bank's net interest margin is lower than its competitor. Which of the following are potential explanations for the difference? OA) the bank's yield on earning assets is lower than its competitor B) the bank's earnings base is lower than its competitor OC) the bank's cost rate is higher than its competitor D) the bank's percentage of interest bearing liabilities to total assets is higher than its competitor E) all of the above F) none of the above