THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a noticeable decline in its presence. Driven by the explosion of online and mobile banking, customers are increasingly relying to electronic channels for their financial needs. This shift has resulted to a reduction in branch locations, and many institutions are closing existing branches to reduc

Return on total assets (ROTA) is a crucial financial metric utilized by investors and analysts to gauge the efficiency of a company in generating profits from its assets. It represents the ratio 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 ge