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, users are increasingly preferring to virtual channels for their financial needs. This shift has led to a decrease in branch locations, and many institutions are consolidating existing branches to optimize costs. De

Free cash flow (FCF) is a crucial metric for investors and business operators alike. It illustrates the real cash earned by a company after accounting for its operating expenses and capital expenditures. A strong FCF position can indicate a healthy and sustainable business, capable of expanding. Understanding how to calculate FCF and effectively m