The traditional retail bank branch is experiencing a noticeable decline in its presence. Driven by the rise of online and mobile banking, consumers are increasingly relying to digital channels for their financial needs. This shift has caused to a decrease in branch locations, and many institutions are merging existing branches to optimize costs. N

Return on total assets (ROTA) is a crucial financial metric measured by investors and analysts to gauge the efficiency of a company in producing 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 effectively managing its assets to generat