THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a noticeable decline in its presence. Driven by the boom of online and mobile banking, users are increasingly turning to virtual channels for their financial needs. This shift has led to a decrease in branch openings, and many institutions are merging existing branches to reduce costs. However,

Free cash flow (FCF) serves as a crucial metric for investors and business leaders alike. It demonstrates the real cash produced 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 expanding. Understanding how to calculate FCF and optimal