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

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 ratio of net income earned relative to more info the total assets held by the company. A higher ROTA indicates that a company is optimally managing its assets to