A WANING PRESENCE OF BANK BRANCHES

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

Free cash flow (FCF) serves as a crucial metric for investors and business owners alike. It demonstrates the real cash generated by a company after accounting for its operating expenses and capital expenditures. A strong FCF position can suggest a healthy and sustainable business, capable of investing. Understanding how to calculate FCF and optima