Final answer:
The true statement about a bank's policy towards investing depositor's money is that it influences the bank's risk profile. Banks must adhere to various regulations designed to limit risks and protect depositors, and these include reserve requirements and restrictions on certain types of investments.
Step-by-step explanation:
Regarding the policy a bank adopts toward its investing of depositors' money, the statement, D: It influences the risk profile of the bank, is true. Regulation of banks involves a number of mandates, including reserve requirements and restrictions on the types of investments they can make to avoid excessive risk. For example, banks must hold a certain percentage of deposits as reserves, which are either held in cash in the bank or in the bank's account at the Federal Reserve, to secure depositor's withdrawals. They can make loans and purchase U.S. Treasury securities, but are not permitted to invest in stocks or high-risk assets to protect depositors, thereby influencing the bank's risk profile. Bank policies on depositor's money are not standardized across all banks, nor do international financial organizations control these policies directly; rather, they are regulated at national levels.