The traditional physical bank branch is experiencing a growing decline in its presence. Driven by the explosion of online and mobile banking, customers are increasingly relying to virtual channels for their financial needs. This shift has led to a reduction in branch establishments, and many institutions are consolidating existing branches to strea

Free cash flow (FCF) is a crucial metric for investors and business operators alike. It demonstrates the real cash earned 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 growing. Understanding how to assess FCF and strategically man