Which of the following factors influencing a bank's income statements are not controlled by the bank? Check all that apply. Market interest rate movements Economic conditions Regulatory provisions Inflation Marketing costs Complete the following statement about a possible reason for a low return on assets (ROA). If the bank is conservative in avoiding loan losses, its net interest margin will be . Thus, banks tend to increase their concentration of relatively loans during periods of prosperity, and they increase their concentration of relatively investments when economic conditions are less favorable