A 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, consumers are increasingly relying to digital channels for their financial needs. This shift has led to a decrease in branch locations, and many institutions are consolidating existing branches to reduce cos

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