A WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a growing decline in its presence. Driven by the boom of online and mobile banking, customers are increasingly relying to digital channels for their financial needs. This shift has led to a drop in branch establishments, and many institutions are consolidating 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 owned by the company. A higher ROTA indicates that a company is optimally utilizing its assets to gene