The traditional retail bank branch is experiencing a sharp decline in its presence. Driven by the explosion of online and mobile banking, consumers are increasingly relying to digital channels for their financial needs. This shift has caused to a reduction in branch locations, and many institutions are closing existing branches to reduce costs. De

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 ratio of net income earned relative to the total assets owned by the company. A higher ROTA indicates that a company is efficiently utilizing its assets to generat