The traditional retail bank branch is experiencing a sharp decline in its presence. Driven by the explosion of online and mobile banking, users are increasingly preferring to digital channels for their financial needs. This shift has caused to a drop in branch locations, and many institutions are merging existing branches to optimize costs. Nevert

Free cash flow (FCF) is a crucial metric for investors and business leaders alike. It demonstrates the actual cash generated 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 investing. Understanding how to determine FCF and strategica