The traditional physical bank branch is experiencing a sharp decline in its presence. Driven by the rise of online and mobile banking, customers are increasingly turning to electronic channels for their financial needs. This shift has led to a reduction 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 reflects the true cash earned by a company after accounting for its operating expenses and capital expenditures. A strong FCF profile can suggest a healthy and sustainable business, capable of growing. Understanding how to calculate FCF and optimally man