Suppose the average ROE and ROA of banking industry are the following: Industry-average ROE = 7%; Industry-average ROA = 5%. Considering this additional information, is ABC Bank more likely or less likely to take risk relative to the industry average? And why?

Table 1 Net loans and advances Cash and liquid assets Securities Other assets Total assets Table 2 Assets Earnings by category Commissions and fees Market making Financial advisory Interest income Total earnings Dec 2021 in AUD millions 3,268,468 398,401 3,560,565 Long-term borrowings 536,365 7,763,799 Fiscal year 2021 in AUD millions 3,578 21,000 7,000 31,000 62,578 Liabilities Deposits Other short-term borrowings Other liabilities Total liabilities Share capital Retained earnings Other Total shareholders' equity Dec 2021 in AUD millions 2,790,088 333,024 3,483,235 658,920 7,265,267 361,443 118,358 18,730 498,531