explain the following is it good or bad to the company if/when (Financial Analysis)

a. when the operating profit ratio in 2021 decreased in 2022.

b. when net income after tax/average asset ratio in 2021 increased in 2022.

c. when interest on investment to interest income ratio in 2021 decreased in 2022.

d. when net interest income to average interest earnings asset ratio in 2021 increased in 2022

NET INCOME AFTER TAXIAVERAGE ASSETS (ROA) \begin{tabular}{|l|r|r|} \hline \multicolumn{3}{|c|}{ NET INCOME AFTER TAXIAVERAGE ASSETS (ROA) } \\ \hline & March 2021 & \multicolumn{1}{|c|}{ March 2022 } \\ \hline Total Asset & 25,668,406,713.60 & 25,668,406,713.60 \\ \hline Net Profit or Loss & 44,685,144.85 & 58,392,944.75 \\ \hline Ratio & 0.17% & 0.23% \\ \hline \hline \end{tabular} INTEREST ON INVESTMENT TO INTEREST INCOME NET INTEREST INCOME TO AVERAGE INTEREST EARNING ASSETS (NIM) \begin{tabular}{|l|r|r|} \hline \multicolumn{1}{|c|}{ Net Interest Income/Due to Banks } & March 2021 & \multicolumn{1}{|c|}{ March 2022 } \\ \hline Net Interest Income & 127,305,597.99 & 138,238,967.46 \\ \hline Due to Banks/Others & 81,543,191.87 & 61,648,084.73 \\ \hline Ratio & 156.12% & 224.24% \\ \hline \end{tabular}