A WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a sharp decline in its presence. Driven by the boom of online and mobile banking, customers are increasingly turning to electronic channels for their financial needs. This shift has caused to a drop in branch locations, and many institutions are consolidating existing branches to streamline costs.

Free cash flow (FCF) serves as a crucial metric for investors and business leaders alike. It demonstrates the real cash generated 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 expanding. Understanding how to calculate FCF and effe