A WANING PRESENCE OF BANK BRANCHES

The traditional brick-and-mortar bank branch is experiencing a noticeable decline in its presence. Driven by the boom of online and mobile banking, users are increasingly turning to electronic channels for their financial needs. This shift has led to a drop in branch openings, and many institutions are merging existing branches to optimize costs.

Free cash flow (FCF) is a crucial metric for investors and business operators alike. It reflects the actual 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 growing. Understanding how to determine FCF and optimally managing