ratio analysis on capitec income statement foe 2022 - 2023.. Provide interpretations and show calculation.

5) = Financial Reports_FP IS CF_Capitec Saved v Capitec Bank Income statements 2021- 2023 \begin{tabular}{|c|c|c|c|c|} \hline & \multicolumn{2}{|c|}{ Group } & \multirow[b]{2}{*}{2022} & \multirow[b]{2}{*}{2023} \\ \hline & Notes & 2021 & & \\ \hline \multirow{2}{*}{\begin{tabular}{l} ling, investment and insurance income \\ est income calculated using the effective interest \end{tabular}} & 24 & 18478160 & 19962749 & 24175550 \\ \hline & 24 & 16544268 & 17454315 & 20783348 \\ \hline est income of financial assessts at FVTPL & 24 & & - & 415915 \\ \hline fee income & 24 & 968658 & 968856 & 1087787 \\ \hline surance income & 24 & 965234 & 1539578 & 1888500 \\ \hline \end{tabular} a) Horizental analysis of the income statement: a) Horizontal analysis of the income statement