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 turning to digital channels for their financial needs. This shift has led to a decrease in branch openings, and many institutions are consolidating existing branches to streamline cost

Free cash flow (FCF) serves as a crucial metric for investors and business operators alike. It demonstrates the actual cash earned by a company after accounting for its operating expenses and capital expenditures. A strong FCF position can suggest a healthy and sustainable business, capable of growing. Understanding how to calculate FCF and strate