Please check the only CORRECT statement about the key bank profitability ratios

	a.	All else equal, Funding itself with zero interest deposits will reduce a bank's spread ratio
	b.	Net interest margin measures the spread banks charges on consumer loans
	c.	In general, investors prefer banks with Net Interest Margin (NIM). However, investors should also make sure that a high NIM does not come at the expense of a riskier loan portfolio or higher leverage
	d.	Banks like to report the lowest possible overhead efficiency ratio because this means that its headcount is low