A WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the explosion of online and mobile banking, users are increasingly preferring to virtual channels for their financial needs. This shift has led to a drop in branch locations, and many institutions are merging existing branches to reduce costs. However,

Return on total assets (ROTA) is a crucial financial metric measured by investors and analysts to gauge the efficiency of a company in producing profits from its assets. It represents the ratio of net income earned relative to the total assets held by the company. A higher ROTA indicates that a company is effectively utilizing its assets to generat