Falling Interest Rates Usually Increase Bank Profits Because

Falling interest rates usually increase bank profits because

A) banks can make more loans at low rates
B) bank deposit costs fall faster than the average return on bank lending
C) short-term rates fall faster than long-term rates
D) long-term rates fall faster than short-term rates
E) none of the above is correct; banks increase profitability with rising interest rates,not falling rates