A researcher at a national regulatory agency is examining the use of the standardized ratings-based approach (SA) and the advanced internal ratings-based (A-IRB) approach in determining credit risk capital. The researcher evaluates the implications of applying these approaches on two different banks, Global Bank and Resource Bank. Information about the credit exposures of the two banks is provided below:

• Global Bank lends to large global corporations that have highly diverse business lines by providing sizable, long-dated unsecured credit facilities.

• Resource Bank lends to oil and gas producers in its region, most of which have small-scale operations.

Which of the following is the most appropriate conclusion for the researcher to reach?