The traditional retail bank branch is experiencing a sharp decline in its presence. Driven by the explosion of online and mobile banking, users are increasingly relying to electronic channels for their financial needs. This shift has caused to a decrease in branch locations, and many institutions are merging existing branches to optimize costs. De

Free cash flow (FCF) serves as a crucial metric for investors and business operators alike. It illustrates the true cash produced by a company after accounting for its operating expenses and capital expenditures. A strong FCF profile can signal a healthy and sustainable business, capable of expanding. Understanding how to calculate FCF and optimal