Which of the following statements is TRUE?

Select one:

a. Demand for liquidity and sources of liquidity for a bank are generally equal to each other.

b. Liquidity management is easy for a bank because a bank that is very liquid is also very profitable.

c. Most liquidity problems in the banking system arise from bank customers' demand.

d. Liquidity problems for a bank are made easier because most of their liabilities are not subject to immediate repayment.