A WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the rise of online and mobile banking, customers are increasingly turning to digital channels for their financial needs. This shift has led to a reduction in branch establishments, and many institutions are merging existing branches to reduce costs. Des

Free cash flow (FCF) serves as a crucial metric for investors and business owners alike. It demonstrates the actual cash generated by a company after accounting for its operating expenses and capital expenditures. A strong FCF position can suggest a healthy and sustainable business, capable of growing. Understanding how to assess FCF and optimally