A bank a. does neither obtains funds by borrowing and by issuing liabilities nor makes profits by charging an interest rate on their asset holdings of securities and loans that is lower than the interest and other expenses on their liabilities of these. b. makes profits by charging an interest rate on their asset holdings of securities and loans that is lower than the interest and other expenses on their liabilities. c. does both obtains funds by borrowing and by issuing liabilities and makes profits by charging an interest rate on their asset holdings of securities and loans that is lower than the interest and other expenses on their liabilities of these. d. obtains funds by borrowing and by issuing liabilities.