THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the rise of online and mobile banking, customers are increasingly relying to virtual channels for their financial needs. This shift has led 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 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 possessed by the company. A higher ROTA indicates that a company is optimally utilizing its assets to