The traditional physical bank branch is experiencing a growing decline in its presence. Driven by the explosion of online and mobile banking, consumers are increasingly preferring to virtual channels for their financial needs. This shift has led to a reduction in branch openings, and many institutions are merging existing branches to optimize costs

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