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. 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