which of the following best describes a fractional reserve banking system?

a. a banking system in which net worth is calculated by subtracting
a fraction of liabilities from assets.
b. a banking system in which a large portion of the bank's assets are
digital money rather than bills and coins
c. a banking system in which banks keep a portion of deposits on
hand to satisfy their customer's demands for withdrawals.
d. a banking system in which banks have only partial control over the
interest rates they charge on loans.