THE WANING PRESENCE OF BANK BRANCHES

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

Free cash flow (FCF) serves as a crucial metric for investors and business owners alike. It reflects the true cash earned by a company after accounting for its operating expenses and capital expenditures. A strong FCF profile can indicate a healthy and sustainable business, capable of growing. Understanding how to calculate FCF and optimally manag