A WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a noticeable decline in its presence. Driven by the explosion of online and mobile banking, users are increasingly relying to digital channels for their financial needs. This shift has caused to a drop in branch establishments, and many institutions are consolidating existing branches to optimize c

Return on total assets (ROTA) is a crucial financial metric measured by investors and analysts to gauge the efficiency of a company in creating profits from its assets. It represents the percentage of net income earned relative to the total assets possessed by the company. A higher ROTA indicates that a company is efficiently managing its assets to