THE WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a sharp decline in its presence. Driven by the boom of online and mobile banking, consumers are increasingly turning Bank branches are closing to virtual channels for their financial needs. This shift has resulted to a reduction in branch establishments, and many institutions are merging existing b

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