THE WANING PRESENCE OF BANK BRANCHES

The traditional brick-and-mortar bank branch is experiencing a growing decline in its presence. Driven by the rise of online and mobile banking, customers are increasingly turning to digital channels for their financial needs. This shift has led to a reduction in branch locations, and many institutions are closing existing branches to reduce costs.

Free cash flow (FCF) is a crucial metric for investors and business leaders alike. It demonstrates the actual cash earned by a company after accounting for its operating expenses and capital expenditures. A strong FCF standing can indicate a healthy and sustainable business, capable of growing. Understanding how to calculate FCF and strategically