THE WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a sharp decline in its presence. Driven by the explosion of online and mobile banking, consumers are increasingly turning to digital channels for their financial needs. This shift has resulted to a drop in branch openings, and many institutions are closing existing branches to reduce costs. Nevert

Free cash flow (FCF) is a crucial metric for investors and business leaders alike. It illustrates the real 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 expanding. Understanding how to determine FCF and optimally managi