THE 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, consumers are increasingly preferring to digital channels for their financial needs. This shift has resulted to a reduction in branch establishments, and many institutions are consolidating existing branches

Free cash flow (FCF) represents a crucial metric for investors and business leaders alike. It reflects 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 expanding. Understanding how to calculate FCF and optimally m