THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a growing decline in its presence. Driven by the explosion of online and mobile banking, users are increasingly turning to virtual channels for their financial needs. This shift has caused to a drop in branch locations, and many institutions are merging existing branches to reduce costs. Neverth

Free cash flow (FCF) represents a crucial metric for investors and business operators alike. It demonstrates the real cash earned by a company after accounting for its operating expenses and capital expenditures. A strong FCF profile can signal a healthy and sustainable business, capable of expanding. Understanding how to assess FCF and optimally