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 (detailing the ROE and ROA of ABC bank).

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