A WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the rise of online and mobile banking, users are increasingly turning to electronic channels for their financial needs. This shift has resulted to a decrease in branch locations, and many institutions are merging existing branches to reduce costs. Despi

Free cash flow (FCF) serves as a crucial metric for investors and business owners alike. It reflects the true cash produced 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 calculate FCF and optimally man