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 turning to virtual channels for their financial needs. This shift has led to a decrease in branch openings, and many institutions are merging existing branches to reduce costs. However, bank br

Return on total assets (ROTA) is a crucial financial metric measured by investors and analysts to gauge the efficiency of a company in generating profits from its assets. It represents the ratio of net income earned relative to the total assets held by the company. A higher ROTA indicates that a company is effectively utilizing its assets to genera