The traditional retail bank branch is experiencing a growing decline in its presence. Driven by the explosion of online and mobile banking, customers are increasingly relying to virtual channels for their financial needs. This shift has caused to a decrease in branch openings, and many institutions are closing existing branches to streamline 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 ratio of net income earned relative to the total assets owned by the company. A higher ROTA indicates that a company is efficiently managing its assets to generat