THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the boom of online and mobile banking, users are increasingly relying to virtual channels for their financial needs. This shift has caused to a drop in branch establishments, and many institutions are consolidating existing branches to reduce costs. How

Free cash flow (FCF) represents a crucial metric for investors and business operators alike. It reflects the true cash produced by a company after accounting for its operating expenses and capital expenditures. A strong FCF profile can suggest a healthy and sustainable business, capable of expanding. Understanding how to assess FCF and effectively