Figure 1
Two-line graph showing R O A and I N T trends from 2007 to 2022 with values rising and falling across years.The vertical axis of the line graph ranges from negative 4 to 4 in intervals of 2 units. The horizontal range from 2005 to 2025 in increments of 5 years. Two lines are plotted on the graph. A legend at the bottom indicates that the two lines represent “R O A (mean)” and “I N T”. The line for “R O A (mean)” begins at 3.31 in 2007, drops steeply to negative 0.2 in 2009, and shows a small peak at 1.07 in 2014. The line again falls and continues downward to end at negative 0.72 in 2022. The line for “I N T” begins at negative 2.70 in 2007, rises steadily, crosses 0 in 2012, and then increases to 0.43 in 2013. It continues upward to nearly, peaking at 1.08 in 2017, and then shows minor fluctuations, and ends at 0.68 in 2022. Note: All the numerical values are approximated.

Adoption of internet banking in relation to banks profitability. Source(s): Authors' own work

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