THE WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a noticeable decline in its presence. Driven by the explosion of online and mobile banking, customers are increasingly turning to electronic channels for their financial needs. This shift has led to a reduction in branch locations, and many institutions are merging existing branches to optimize cos

Return on total assets (ROTA) is a crucial financial metric employed by investors and analysts to gauge the efficiency of a company in producing 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 utilizing its assets to ge