THIS WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a noticeable decline in its presence. Driven by the rise of online and mobile banking, consumers are increasingly turning to digital channels for their financial needs. This shift has caused to a reduction in branch openings, and many institutions are closing existing branches to streamline costs

Return on total assets (ROTA) is a crucial financial metric employed by investors and analysts to gauge the efficiency of a company in generating 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 deploying its assets to gener