THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a growing decline in its presence. Driven by the rise of online and mobile banking, users are increasingly preferring to electronic channels for their financial needs. This shift has resulted to a drop in branch locations, and many institutions are consolidating existing branches to streamline co

Return on total assets (ROTA) is a crucial financial metric employed by investors and analysts to return on total assets gauge the efficiency of a company in creating profits from its assets. It represents the percentage of net income earned relative to the total assets owned by the company. A higher ROTA indicates that a company is optimally deplo