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 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 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