THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a noticeable decline in its presence. Driven by the boom of online and mobile banking, consumers are increasingly preferring to virtual channels for their financial needs. This shift has led to a drop in branch locations, and many institutions are consolidating existing branches to reduce costs.

Free cash flow (FCF) is a crucial metric for investors and business leaders alike. It illustrates the true cash generated 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 growing. Understanding how to assess FCF and optimally managin