A WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a sharp decline in its presence. Driven by the explosion of online and mobile banking, users are increasingly relying to electronic channels for their financial needs. This shift has resulted to a decrease in branch establishments, and many institutions are consolidating existing branches to reduce

Free cash flow (FCF) serves as a crucial metric for investors and business leaders alike. It reflects the actual cash produced 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 investing. Understanding how to determine FCF and strategi