The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the explosion of online and mobile banking, users are increasingly relying to electronic channels for their financial needs. This shift has caused to a reduction in branch locations, and many institutions are closing existing branches to reduce costs. H

Return on total assets (ROTA) is a crucial financial metric employed 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 possessed by the company. A higher ROTA indicates that a company is optimally utilizing its assets t