The traditional brick-and-mortar bank branch is experiencing a growing decline in its presence. Driven by the rise of read more online and mobile banking, customers are increasingly turning to electronic channels for their financial needs. This shift has resulted to a reduction in branch establishments, and many institutions are merging existing br

Return on total assets (ROTA) is a crucial financial metric measured by investors and analysts to gauge the efficiency of a company in generating profits from its assets. It represents the ratio of net income earned relative to the total assets owned by the company. A higher ROTA indicates that a company is efficiently managing its assets to genera