(a) The following is pertinent information regarding Bank Lalat's business operations results for the year 2018.

Items	Amount (RM)
Indirect Income (Fee Based)	4,500,000
Income from Operations	35,000,000
Indirect expenses	2,500,000
Expenses from operations	13,000,000

The profit from operations shown above is profit before distributed to mudharabah depositors. The profit-sharing ratio between the Bank and mudharabah depositors has been decided to be 70:30. Assuming that other variables remain constant, determine which profit distribution policy do you think the bank might prefer i.e. Pooling Method or Separate Investment Account method. Show all your working