A WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a noticeable decline in its presence. Driven by the boom of online and mobile banking, customers are increasingly turning to digital channels for their financial needs. This shift has resulted to a decrease in branch establishments, and many institutions are consolidating existing branches to reduc

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