The traditional brick-and-mortar bank branch is experiencing a sharp decline in its presence. Driven by the rise of online and mobile banking, users are increasingly turning to electronic channels for their financial needs. This shift has caused to a decrease in branch establishments, and many institutions are consolidating existing branches to opt

Return on total assets (ROTA) is a crucial financial metric measured by investors and analysts to gauge the efficiency of a company in generating profits from its assets. It represents the percentage of net income earned relative to the total assets held by the company. A higher ROTA indicates that a company is effectively deploying its assets to g