The traditional retail bank branch is experiencing a noticeable decline in its presence. Driven by the rise of online and mobile banking, users are increasingly turning to digital channels for their financial needs. This shift has caused to a reduction in branch locations, and many institutions are consolidating existing branches to reduce costs.

Free cash flow (FCF) represents a crucial metric for investors and business leaders alike. It illustrates the real cash produced by a company after accounting for its operating expenses and capital expenditures. A strong FCF standing can suggest a healthy and sustainable business, capable of expanding. Understanding how to determine FCF and effect