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, consumers are increasingly turning to electronic channels for their financial needs. This shift has caused to a decrease in branch establishments, and many institutions are merging existing branches to optimize

Free cash flow (FCF) serves as a crucial metric for investors and business operators alike. It reflects the actual cash earned by a company after accounting for its operating expenses and capital expenditures. A strong FCF standing can indicate a healthy and sustainable business, capable of investing. Understanding how to calculate FCF and strateg