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

Free cash flow (FCF) represents a crucial metric for investors and business operators 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 growing. Understanding how to calculate FCF and optima