A WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a growing decline in its presence. Driven by the explosion of online and mobile banking, consumers are increasingly preferring to digital channels for their financial needs. This shift has caused to a reduction in branch establishments, and many institutions are consolidating existing branches to

Free cash flow (FCF) serves as 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 investing. Understanding how to calculate FCF and optimally