A WANING PRESENCE OF BANK BRANCHES

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

Return on total assets (ROTA) is a crucial financial metric utilized by investors and analysts to gauge the efficiency of a company in creating profits from its assets. It represents the proportion of net income earned relative to the total assets held by the company. A higher ROTA indicates that a company is effectively deploying its assets to gen