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, users are increasingly relying to electronic channels for their financial needs. This shift has led to a drop in branch openings, and many institutions are closing existing branches to reduce costs. However

Free cash flow (FCF) is a crucial metric for investors and business leaders alike. It illustrates the actual cash generated 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 expanding. Understanding how to calculate FCF and strategical