If the Typical Bank of This Type Has an Overhead

If the typical bank of this type has an overhead efficiency ratio of 0.65,then this particular bank ________ than the typical bank,ceteris paribus.

A) is doing a poorer job generating profitable off-balance-sheet activities
B) is doing a better job time managing noninterest income and expenses
C) is paying higher taxes
D) has fewer loan losses
E) None of these choices are correct.