THE WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a noticeable decline in its presence. Driven by the rise of online and mobile banking, customers are increasingly preferring 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 optimize costs. D

Free cash flow (FCF) is a crucial metric for investors and business leaders alike. It illustrates the actual cash generated by a company after accounting for its operating expenses and capital expenditures. A strong FCF standing can signal a healthy and sustainable business, capable of investing. Understanding how to calculate FCF and optimally ma