The traditional physical bank branch is experiencing a noticeable decline in its presence. Driven by the explosion of online and mobile banking, customers are increasingly preferring to virtual channels for their financial needs. This shift has caused to a decrease in branch establishments, and many institutions are merging existing branches to opt

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