The traditional retail bank branch is experiencing a noticeable decline in its presence. Driven by the rise of online and mobile banking, read more consumers are increasingly relying to electronic channels for their financial needs. This shift has led to a drop in branch locations, and many institutions are closing existing branches to reduce costs

Return on total assets (ROTA) is a crucial financial metric employed by investors and analysts to gauge the efficiency of a company in creating profits from its assets. It represents the ratio 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 generate pr