THIS WANING PRESENCE OF BANK BRANCHES

The traditional retail 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 resulted to a reduction in branch openings, and many institutions are consolidating existing branches to reduce costs. N

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