explain the following (Financial Analysis)

a. when net income after tax to average equity ratio in 2021 increased in 2022.

b. when return on equity ration in 2021 increased in 2022.

c. when profit net ratio in 2021 increased in 2022.

d. when return on asset ratio in 2021 increased in 2022.

NET INCOME AFTER TAX TO AVERAGE EQUITY (ROE) \begin{tabular}{|l|r|r|} \hline Net Profit or Loss/Total Capital Accounts & \multicolumn{1}{|c|}{ March 2021 } & \multicolumn{1}{c|}{ March 2022 } \\ \hline Total Capital Accounts & 3,083,996,480.36 & 3,083,996,480.36 \\ \hline Net Profit/Loss & 44,685,144.85 & 58,392,944.75 \\ \hline Ratio & 1.45% & 1.89% \\ \hline \hline \end{tabular} \begin{tabular}{|l|r|r|} \hline \multicolumn{3}{|c|}{ RETURN ON EQUITY } \\ \hline Net Profit or Loss/Total Capital Accounts & March 2021 & \multicolumn{1}{c|}{ March 2022 } \\ \hline Total Capital Accounts & 2,029,258,783.68 & 2,109,475,393.35 \\ \hline Net Profit/Loss & 44,685,144.85 & 58,392,944.75 \\ \hline Ratio & 2.20% & 2.77% \\ \hline \hline \end{tabular} \begin{tabular}{|l|r|r|} \hline \multicolumn{2}{|c|}{ PROFIT NET RATIO } \\ \hline Net Profit or Loss/Net Interest Income & March 2021 & \multicolumn{1}{c|}{ March 2022 } \\ \hline Net Profit or Loss & 44,685,144.85 & 58,392,944.75 \\ \hline Net Interest Income & 127,305,597.99 & 138,238,967.46 \\ \hline Ratio & 35.10% & 42.24% \\ \hline \hline \end{tabular} \begin{tabular}{|l|r|r|} \hline \multicolumn{2}{|c|}{ RETURN ON ASSETS } \\ \hline & March 2021 & \multicolumn{1}{|c|}{ March 2022 } \\ \hline Total Operating Expense & 169,897,956.90 & 184,234,803.97 \\ \hline & 1.00 & 1.00 \\ \hline Income Tax Expense & 12,544,932.48 & 12,045,269.75 \\ \hline Total Profit/Loss Before Tax and Before Minority Interest & 57,230,077.33 & 70,438,214.51 \\ \hline Total Assets & 16,626,712,727.40 & 18,083,387,972.39 \\ \hline & 132,656,029.27 & 152,729,776.10 \\ \hline Ratio & 0.80% & 0.84% \\ \hline \hline \end{tabular}