THE 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 electronic channels for their financial needs. This shift has resulted to a decrease in branch locations, and many institutions are consolidating existing branches to optimize cost

Free cash flow (FCF) is a crucial metric for investors and business leaders alike. It illustrates the actual 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 assess FCF and strategically man