THIS WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a noticeable decline in its presence. Driven by the explosion of online and mobile banking, users are increasingly relying to virtual channels for their financial needs. This shift has resulted to a decrease in branch openings, and many institutions are closing existing branches to reduce costs. D

Free cash flow (FCF) serves as a crucial metric for investors and business owners alike. It demonstrates the true cash earned by a company after accounting for its operating expenses and capital expenditures. A strong FCF profile can signal a healthy and sustainable business, capable of investing. Understanding how to assess FCF and optimally mana