THE WANING PRESENCE OF BANK BRANCHES

The traditional physical bank branch is experiencing a noticeable decline in its presence. Driven by the rise of online and mobile banking, users are increasingly preferring to electronic channels for their financial needs. This shift has resulted to a drop in branch establishments, and many institutions are consolidating existing branches to optim

Free cash flow (FCF) is 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 position can indicate a healthy and sustainable business, capable of growing. Understanding how to calculate FCF and optimally managing i