THE WANING PRESENCE OF BANK BRANCHES

The traditional brick-and-mortar bank branch is experiencing a noticeable decline in its presence. Driven by the boom of online and mobile banking, consumers are increasingly relying to electronic channels for their financial needs. This shift has resulted to a decrease in branch establishments, and many institutions are closing existing branches t

Return on total assets (ROTA) is a crucial financial metric utilized by investors and analysts to gauge the efficiency of a company in producing 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 effectively deploying its assets to g