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

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 percentage of net income earned relative to the total assets owned by the company. A higher ROTA indicates that a company is optimally utilizing its assets to ge