THIS WANING PRESENCE OF BANK BRANCHES

The traditional brick-and-mortar bank branch is experiencing a sharp decline in its presence. Driven by the boom of online and mobile banking, consumers are increasingly relying to digital channels for their financial needs. This shift has resulted to a reduction in branch openings, and many institutions are merging existing branches to reduce cost

Free cash flow (FCF) is a crucial metric for investors and business operators alike. It illustrates the true cash produced by a company after accounting for its operating expenses and capital expenditures. A strong FCF position can signal a healthy and sustainable business, capable of growing. Understanding how to assess FCF and optimally managing