Which of the Following Statements Is True

Multiple Choice

Which of the following statements is true?

A) A major reason for cheque accounts to be excluded from an FI's interest-sensitive liabilities is that the majority of these accounts are core deposits.
B) Cheque accounts should be treated as interest-sensitive liabilities because if interest rates fall, deposits might be withdrawn and thus will need to be replaced by higher-yielding deposits.
C) The final decision whether or not to include cheque accounts as rate sensitive liabilities must be made by predicting depositors' behaviours.
D) None of the listed options are correct.