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When case studies about the functions of a commercial bank are done, it is important to understand the organizational structure of the bank. This is because different functions in a bank will be done by different departments and based on that the bank’s structure is developed. This way, the people writing the case studies will have a clear picture about the operation and they will also get an overview of the global economic and financial environment.
The case studies will also students to analyze financial statement information, cash flow forecasts and financing projections. Using these as a base, they will be able to recommend value creating decisions. These analyses will also prepare students for their future jobs in a financial institute or bank.
Many universities giving MBA program in Finance have made case studies about the functions of a commercial bank mandatory. This is quite good from the students’ perspective as it will constantly be honing their skills and preparing them for what to expect when they finish university and join a bank. That is why many commercial banks are famous for hiring students directly from universities because they understand the functions of a commercial bank and know what they are getting into at the time of accepting the job offer. At least, the banks hope so!
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Today there are many commercial banks in the United States. However, understanding the functions of commercial banks will allow you to see whether the banks are as per what you need and require. The functions of commercial banks are primarily divided into two categories, namely primary functions and secondary functions including agency functions. 
