A WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the explosion of online and mobile banking, users 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 optimize costs.

Free cash flow (FCF) serves as a crucial metric for investors and business owners alike. It reflects the real cash generated 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 growing. Understanding how to assess FCF and effectively mana