THE WANING PRESENCE OF BANK BRANCHES

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

Return on total assets (ROTA) is a crucial financial metric measured 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 optimally managing its assets to generate p