The ratios below measure the different aspects of risk the bank faces. Bank A Bank B 20% 80% Interest income to total income ratio Long term debt to equity ratio Capital adequacy ratio Non-performing (b) loans to total loans ratio 3.0x 12% 1% 2.5x 10% 1.5% For each of the ratios above, briefly discuss what the ratio measures and the type of risk it represents. Based on the ratios, discuss which is the riskier bank.