A WANING PRESENCE OF BANK BRANCHES

The traditional brick-and-mortar bank branch is experiencing a noticeable decline in its presence. Driven by the explosion of online and mobile banking, consumers are increasingly turning to digital channels for their financial needs. This shift has resulted to a drop in branch establishments, and many institutions are consolidating existing branch

Free cash flow (FCF) represents a crucial metric for investors and business leaders 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 investing. Understanding how to assess FCF and effectively