The traditional brick-and-mortar bank branch is experiencing a noticeable decline in its presence. Driven by the explosion of online and mobile banking, consumers are increasingly relying to virtual channels for their financial needs. This shift has led here to a reduction in branch establishments, and many institutions are consolidating existing b

Return on total assets (ROTA) is a crucial financial metric employed 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 efficiently deploying its assets to g