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, consumers are increasingly relying to electronic channels for their financial needs. This shift has resulted to a drop in branch locations, and many institutions are merging existing branches to reduce costs. Despite

Free cash flow (FCF) serves as a crucial metric for investors and business operators alike. It demonstrates the true cash produced by a company after accounting for its operating expenses and capital expenditures. A strong FCF position can signal a healthy and sustainable business, capable of expanding. Understanding how to determine FCF and effec