THE WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a sharp decline in its presence. Driven by the explosion of online and mobile banking, customers are increasingly turning to digital channels for their financial needs. This shift has resulted to a drop in branch locations, and many institutions are closing existing branches to reduce costs. Never

Free cash flow (FCF) represents a crucial metric for investors and business operators alike. It demonstrates the actual cash produced 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 growing. Understanding how to assess FCF and optima