The credit risk exposure of the bank is another issue that needs attention. Unibank obtained the following data regarding the national average exposure of all banks and one competitor bank that serves the same target markets as Unibank:

Sectors	National average of all banks	UniBank	Competitor Bank
Small business loan	15%	15%	10%
Personal loans	10%	20%	10%
Housing loans	35%	25%	20%
Corporate loans	25%	5%	40%
Agricultural loan	5%	0%	5%
Car loan	10%	35%	15%

UniBank would like to estimate how much its loan portfolio deviates from the national average compared to the portfolio of the competitor bank. You are requested to calculate how much the loan portfolios of UniBank and the competitor bank deviate from the national average and to explain whether the deviation of UniBank is better or worse than the deviation of the competitor bank by providing reasons for it (6 marks).