THE WANING PRESENCE OF BANK BRANCHES

The traditional brick-and-mortar bank branch is experiencing a noticeable decline in its presence. Driven by the rise of online and mobile banking, consumers are increasingly turning to virtual channels for their financial needs. This shift has led to a decrease in branch openings, and many institutions are closing existing branches to optimize cos

Return on total assets (ROTA) is a crucial financial metric utilized 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 optimally managing its assets to gene