Can a bank simultaneously maximize return and minimize credit risk?

Banks can maximize return while minimizing the risk by concentrating their activities not on the direct issuance of loans, but on the acquisition of debt securities$.$

Banks can maximize return while minimizing the risk by using most of their funds to provide credit card and consumer loans simultaneously requiring the additional collateral from borrowers.

Banks cannot maximize return unless they incur some credit risk, so they must balance the risk and return objectives, based on their degree of risk aversion.

Banks cannot maximize return unless they incur some credit risk, so they must enlarge their reserves as much as possible by attracting new depositors to be ready to cope with this risk and reduce the number of given loans by rejecting most potential borrowers.