A WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a noticeable decline in its presence. Driven by the rise of online and mobile banking, users are increasingly preferring to digital channels for their financial needs. This shift has resulted to a drop in branch locations, and many institutions are merging existing branches to reduce costs. Neve

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