The traditional physical bank branch is experiencing a noticeable decline in its presence. Driven by the boom of online and mobile banking, consumers are increasingly preferring to virtual channels for their financial needs. This shift has caused to a drop in branch establishments, and many institutions are closing existing branches to optimize cos

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 owned by the company. A higher ROTA indicates that a company is efficiently utilizing its assets to ge