THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the boom of online and mobile banking, users are increasingly turning to digital channels for their financial needs. This shift has caused to a decrease in branch locations, and many institutions are merging existing branches to optimize 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 creating 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 efficiently deploying its assets to generate