The traditional brick-and-mortar bank branch is experiencing a sharp decline in its presence. Driven by the explosion of online and mobile banking, consumers are increasingly preferring to virtual channels for their financial needs. This shift has caused to a reduction in branch locations, and many institutions are merging existing branches to stre

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