THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the boom of online and mobile banking, customers are increasingly preferring to electronic channels for their financial needs. This shift has led to a reduction in branch establishments, and many institutions are merging existing branches to streamline c

Free cash flow (FCF) is a crucial metric for investors and business operators alike. It demonstrates the true cash generated by a company after accounting for its operating expenses and capital expenditures. A strong FCF standing can indicate a healthy and sustainable business, capable of expanding. Understanding how to determine FCF and optimally