THE WANING PRESENCE OF BANK BRANCHES

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

Free cash flow (FCF) serves as a crucial metric for investors and business owners alike. It reflects the true cash produced by a company after accounting for its operating expenses and capital expenditures. A strong FCF profile can suggest a healthy and sustainable business, capable of expanding. Understanding how to assess FCF and optimally manag