THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a noticeable decline in its presence. Driven by the rise of online and mobile banking, customers are increasingly relying to digital channels for their financial needs. This shift has resulted to a reduction in branch locations, and many institutions are consolidating existing branches to streaml

Free cash flow (FCF) serves as a crucial metric for investors and business leaders alike. It demonstrates the true cash earned by a company after accounting for its operating expenses and capital expenditures. A strong FCF position can signal a healthy and sustainable business, capable of investing. Understanding how to calculate FCF and strategic