THE WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a sharp decline in its presence. Driven by the rise of online and mobile banking, consumers are increasingly turning to electronic channels for their financial needs. This shift has caused to a drop in branch locations, and many institutions are consolidating existing branches to reduce costs. How

Free cash flow (FCF) serves as a crucial metric for investors and business operators alike. It demonstrates the true cash earned 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 investing. Understanding how to determine FCF and optimal