THIS WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a growing decline in its presence. Driven by the explosion of online and mobile banking, users are increasingly preferring to virtual channels for their financial needs. This shift has caused to a reduction in branch establishments, and many institutions are closing existing branches to streamlin

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