Which of the following statement(s) is(are) correct.

(I) Everything else equal, the loan that matures in 5 years will have lower price (rate) than the loan that matures in 10 years.

(II) Banks usually have higher ROE ratio than non-financial firms because banks in general have lower average net income than non-financial firms.

Group of answer choices

none

I only

II only

I and II