The traditional brick-and-mortar bank branch is experiencing a sharp decline in its presence. Driven by the boom of online and mobile banking, customers are increasingly preferring to electronic channels for their financial needs. This shift has caused to a drop in branch openings, and many institutions are closing existing branches to optimize cos

Free cash flow (FCF) serves as a crucial metric for investors and business leaders alike. It reflects the true cash earned 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 growing. Understanding how to determine FCF and optimally mana