A WANING PRESENCE OF BANK BRANCHES

The traditional brick-and-mortar bank branch is experiencing a noticeable decline in its presence. Driven by the rise of online and mobile banking, users are increasingly preferring to virtual channels for their financial needs. This shift has led to a reduction in branch openings, and many institutions are consolidating existing branches to reduce

Free cash flow (FCF) represents a crucial metric for investors and business operators alike. It reflects 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 growing. Understanding how to determine FCF and strategica