THE WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a sharp decline in its presence. Driven by the boom of online and mobile banking, users are increasingly preferring to electronic channels for their financial needs. This shift has caused to a drop in branch locations, and many institutions are closing existing branches to reduce costs. Despite th

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