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 virtual channels for their financial needs. This shift has resulted to a drop in branch establishments, and many institutions are closing existing branches to optimize c

Free cash flow (FCF) serves as a crucial metric for investors and business leaders alike. It reflects the actual cash generated 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 calculate FCF and optimally