RAK Bank reported that it had a spread of 3.6% in 2020. This means it

	a.	the net noninterest margin is positive
	b.	both a and c are correct
	c.	earned a 3 percentage point higher return on its loans and securities investments than it paid to the average depositor
	d.	the net interest margin is also 3.6%
	e.	net noninterest margin must be negative

When a bank earns a 2% return on average assets, but it has a noninterest margin of -1.3%, the net interest margin

		is greater than the return on assets
		positive, but less than the return on assets
		equals the return on assets
		can be either greater than or less than the return on assets
		is also a negative number