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

Free cash flow (FCF) serves as a crucial metric for investors and business leaders alike. It reflects the real cash produced 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 expanding. Understanding how to assess FCF and optimally mana