THIS WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a noticeable decline in its presence. Driven by the rise of online and mobile banking, users are increasingly preferring to digital channels for their financial needs. This shift has led to a decrease in branch locations, and many institutions are merging existing branches to reduce costs. However

Free cash flow (FCF) represents a crucial metric for investors and business operators alike. It reflects the actual cash produced by a company after accounting for its operating expenses and capital expenditures. A strong FCF profile can signal a healthy and sustainable business, capable of investing. Understanding how to assess FCF and optimally