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The traditional retail bank branch is experiencing a noticeable decline in its presence. Driven by the boom of online and mobile banking, users are increasingly turning to electronic channels for their financial needs. This shift has resulted to a drop in branch openings, and many institutions are closing existing branches to reduce costs. Despite
Free cash flow (FCF) represents a crucial metric for investors and business operators alike. It demonstrates the true cash earned 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 investing. Understanding how to determine FCF and effecti