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

Free cash flow (FCF) represents a crucial metric for investors and business owners alike. It demonstrates 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 investing. Understanding how to calculate FCF and strategic