The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the rise of online and mobile banking, consumers are increasingly turning to virtual channels for their financial needs. This shift has resulted to a drop in branch establishments, and many institutions are closing existing branches to optimize costs. N

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