THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a noticeable decline in its presence. Driven by the rise of online and mobile banking, consumers are increasingly relying to virtual channels for their financial needs. This shift has led to a reduction in branch establishments, and many institutions are merging existing branches to reduce costs.

Free cash flow (FCF) represents a crucial metric for investors and business operators alike. It illustrates the actual 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 expanding. Understanding how to assess FCF and strat