THE WANING PRESENCE OF BANK BRANCHES

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

Free cash flow (FCF) is a crucial metric for investors and business owners alike. It demonstrates the true cash earned 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 calculate FCF and effectively managi