THE WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a noticeable decline in its presence. Driven by the explosion of online and mobile banking, consumers are increasingly turning to virtual channels for their financial needs. This shift has resulted to a drop in branch establishments, and many institutions are merging existing branches to reduce cos

Free cash flow (FCF) represents a crucial metric for investors and business operators alike. It reflects the true cash generated by a company after accounting for its operating expenses and capital expenditures. A strong FCF profile can suggest a healthy and sustainable business, capable of expanding. Understanding how to calculate FCF and effecti