A bank calculates RAROC (Risk-Adjusted Return on Capital) for two business lines. The lending division earns $120 million in revenue, incurs $40 million in operating costs and $30 million in expected losses, with economic capital of $400 million. The trading division earns $80 million with $25 million in costs and $5 million in expected losses, with economic capital of $250 million. Which division has the higher RAROC?