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The traditional retail bank branch is experiencing a sharp decline in its presence. Driven by the boom of online and mobile banking, customers are increasingly preferring to virtual channels for their financial needs. This shift has resulted to a drop in branch locations, and many institutions are consolidating existing branches to streamline costs
Free cash flow (FCF) represents a crucial metric for investors and business owners alike. It illustrates the real cash generated by a company after accounting for its operating expenses and capital expenditures. A strong FCF position can indicate a healthy and sustainable business, capable of investing. Understanding how to assess FCF and effectiv