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The traditional retail bank branch is experiencing a growing decline in its presence. Driven by the explosion of online and mobile banking, users are increasingly preferring to electronic channels for their financial needs. This shift has resulted to a decrease in branch openings, and many institutions are closing existing branches to streamline co
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 percentage of net income earned relative to the total assets held by the company. A higher ROTA indicates that a company is efficiently utilizing its assets to ge