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 preferring to electronic channels for their financial needs. This shift has caused to a reduction in branch locations, and many institutions are closing existing branches to

Return on total assets (ROTA) is a crucial financial metric utilized 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 efficiently utilizing its assets to gen