The traditional physical bank branch is experiencing a growing decline in its presence. Driven by the boom of online and mobile banking, customers are increasingly preferring to electronic channels for their financial needs. This shift has caused to a drop in branch establishments, and many institutions are merging existing branches to reduce costs

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 owned by the company. A higher ROTA indicates that a company is effectively utilizing its assets to g