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

Free cash flow (FCF) represents a crucial metric for investors and business leaders alike. It illustrates the real cash produced by a company after accounting for its operating expenses and capital expenditures. A strong FCF position can indicate a healthy and sustainable business, capable of investing. Understanding how to determine FCF and strat