A WANING PRESENCE OF BANK BRANCHES

The traditional brick-and-mortar bank branch is experiencing a sharp decline in its presence. Driven by the boom of online and mobile banking, customers are increasingly turning to electronic channels for their financial needs. This shift has resulted to a drop in branch openings, and many institutions are merging existing branches to reduce costs.

Free cash flow (FCF) represents a crucial metric for investors and business operators alike. It illustrates the actual cash earned by a company after accounting for its operating expenses and capital expenditures. A strong FCF standing can signal a healthy and sustainable business, capable of expanding. Understanding how to assess FCF and optimall