Please analyze the banks' financial statements comparing $2021$ to $2022$;$\backslash$table$[[1,$UBP CAMEL Analysis,,,$],[2,,,,],[3,$Category,Ratios,$2021,2022],[4,$Capital Adequacy Ratios,Capital Adequacy Ratio,$25\mathrm{.}2\%,26\mathrm{.}7\%$using the CAMEL approach and the ratios given and draw a conclusion about the bank and areas where they can improve.