THE WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a growing decline in its presence. Driven by the rise of online and mobile banking, consumers are increasingly turning to digital channels for their financial needs. This shift has caused to a drop in branch openings, and many institutions are closing existing branches to reduce costs. Nevertheles

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 effectively managing its assets to