THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the explosion of online and mobile banking, users are increasingly relying to digital channels for their financial needs. This shift has resulted to a reduction in branch openings, and many institutions are merging existing branches to reduce costs. How

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 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 g