A WANING PRESENCE OF BANK BRANCHES

The traditional brick-and-mortar bank branch is experiencing a noticeable decline in its presence. Driven by the explosion of online and mobile banking, users are increasingly preferring to digital channels for their financial needs. This shift has resulted to a decrease in branch locations, and many institutions are consolidating existing branches

Free cash flow (FCF) serves as a crucial metric for investors and business operators alike. It reflects the real cash earned by a company after accounting for its operating expenses and capital expenditures. A strong FCF profile can suggest a healthy and sustainable business, capable of expanding. Understanding how to determine FCF and strategical