When assessing Julio's creditworthiness for a loan, the bank will primarily consider Earnings. This includes factors like his income, employment history, and any existing debts, as these will help the bank determine Julio's ability to repay the loan.
While Risk is a general factor that encompasses the overall likelihood of default, it is assessed through specific criteria, including earnings. Current Yield is more relevant to investments and does not directly relate to personal creditworthiness assessments for loans.
So, the most relevant factor in this context is Earnings.