THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the boom of online and mobile banking, consumers are increasingly relying to digital channels for their financial needs. This shift has caused to a reduction in branch establishments, and many institutions are closing existing branches to optimize costs.

Free cash flow (FCF) serves as a crucial metric for investors and business owners alike. It illustrates the actual cash generated by a company after accounting for its operating expenses and capital expenditures. A strong FCF standing can suggest a healthy and sustainable business, capable of investing. Understanding how to determine FCF and effec