U Question 29 2 pts Which of the following statements involving the promised return on a loan is NOT true? Compensating balances represent the portion of the loan that must be kept on deposit at the bank. Compensating balances reduce the effective cost of loans for the borrower. Credit risk may be the most important factor affecting the return on a loan. Increased collateral is a method of reducing credit risk. Compensating balance requirements provide an additional source of return for the lending institution