With respect to banks:

Select one:

a.

Commercial banks are large companies with low levels of debt due to their low risk of their business

b.

Foreign exchange contracts are a major part of a bank's off-balance-sheet items

c.

Direct credit substitutes make up a high proportion of a bank's current assets

d.

Banks acquire funds from savers to invest in term deposits

e.

Shareholder funds are the major source of short-term bank funding