A WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a growing decline in its presence. Driven by the explosion of online and mobile banking, customers are increasingly relying to virtual channels for their financial needs. This shift has resulted to a drop in branch locations, and many institutions are closing existing branches to optimize costs. H

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 held by the company. A higher ROTA indicates that a company is optimally utilizing its assets to gene