THE 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, users are increasingly relying to digital channels for their financial needs. This shift has resulted to a drop in branch locations, and many institutions are consolidating existing branches to optimize costs

Free cash flow (FCF) serves as a crucial metric for investors and business leaders alike. It reflects the true cash generated 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 calculate FCF and strategic