The options are
A.Local government B. Federal government C. State government D. Private sector
The answer is B. Federal Government and D. Private sector
Banks and utilities are usually built by the Federal Government and Private sectors. Although the Federal Government should be solely responsible for the construction of utilities but due to the government ensuring private sectors thrive in the economy they perform a corporate social responsibility in helping the government in some utilities.
Private sectors construct banks but the central and top bank which control the others are built by the Federal Government.