A WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a growing decline in its presence. Driven by the rise of online and mobile banking, consumers are increasingly turning to electronic channels for their financial needs. This shift has led to a reduction in branch locations, and many institutions are merging existing branches to streamline costs.

Return on total assets (ROTA) is a crucial financial metric measured by investors and analysts to gauge the efficiency of a company in creating 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 deploying its assets to gener