The traditional brick-and-mortar bank branch is experiencing a noticeable decline in its presence. Driven by the explosion of online and mobile banking, consumers are increasingly preferring to electronic channels for their financial needs. This shift has caused to a reduction in branch establishments, and many institutions are closing existing bra

Return on total assets (ROTA) is a crucial financial metric employed 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 utilizing its assets