The traditional retail bank branch is experiencing a noticeable decline in its presence. Driven by the rise of online and mobile banking, customers are increasingly preferring to virtual channels for their financial needs. This shift has caused to a reduction in branch establishments, and many institutions are consolidating existing branches to red

Free cash flow (FCF) represents a crucial metric for investors and business leaders alike. It reflects the real cash generated 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 calculate FCF and effective