THE WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a sharp decline in its presence. Driven by the rise of online and mobile banking, consumers are increasingly relying to electronic channels for their financial needs. This shift has led to a drop in branch locations, and many institutions are merging existing branches to reduce costs. Nevertheless

Free cash flow (FCF) is a crucial metric for investors and business leaders alike. It reflects the actual cash earned by a company after accounting for its operating expenses and capital expenditures. A strong FCF profile can signal a healthy and sustainable business, capable of expanding. Understanding how to calculate FCF and optimally managing