THE WANING PRESENCE OF BANK BRANCHES

The traditional retail bank branch is experiencing a growing decline in its presence. Driven by the rise of online and mobile banking, customers are increasingly preferring to electronic channels for their financial needs. This shift has resulted to a drop in branch openings, and many institutions are merging existing branches to streamline costs.

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