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

Free cash flow (FCF) represents a crucial metric for investors and business operators alike. It reflects the true cash generated 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 investing. Understanding how to determine FCF and strateg