The following two tables are about ABC Bank. 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 3,560,565 536,365 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 Long-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 Is ABC bank a commercial bank, an investment bank, or a universal bank? Why