The correct answer is B. Private individuals own most farms and factories in a capitalist economy.
Farms and factories are productive units whose owners are individuals or groups of individuals that offer a good or service to other individuals or groups of individuals in the market for such goods or services in exchange for monetary remuneration.
Banks manage financial assets and provide services to owners of farms and factories but they are not usually their owners.
National or state governments, unlike the commanded economy, play an indirect role in the economy of farms and factories.