29. For a given return on assets, holding other factors constant,   Question 29 options:   a)  a lower capital-to-asset ratio has no effect on the return on equity of the bank.   b)  the lower is bank capital relative to assets, the higher is the return on equity of the bank.   c)  the lower is bank capital relative to assets, the lower is the credit risk for the owners of the bank.   d)  the lower is bank capital relative to assets, the lower is the return on equity of the bank.

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