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because serving hundreds of clients per relationship manager requires standardisation that a corporate banking model doesn't need to apply. 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The",{"_key":1576,"_type":860,"marks":1577,"text":1241},"k315",[1578],"k307",{"_key":1580,"_type":860,"marks":1581,"text":1583},"k316",[1582],"k309","Hong Kong Monetary Authority",{"_key":1585,"_type":860,"marks":1586,"text":1587},"k317",[]," doesn't itself mandate a specific classification system — each bank sets its own internal structure and criteria for where a client sits.",[1589,1591],{"_key":1578,"_type":881,"externalUrl":1590,"linkType":359},"https:\u002F\u002Fwww.hkma.gov.hk\u002Feng\u002Fkey-functions\u002Fbanking\u002F",{"_key":1582,"_type":881,"externalUrl":1590,"linkType":359},{"_key":1593,"_type":856,"children":1594,"markDefs":1616,"style":885},"k332",[1595,1599,1603,1607,1612],{"_key":1596,"_type":860,"marks":1597,"text":1598},"k327",[956],"This is part of why comparing \"corporate banking services\" between 2 Hong Kong banks can be genuinely misleading if you're not also comparing their actual client thresholds.",{"_key":1600,"_type":860,"marks":1601,"text":1602},"k328",[]," A service labelled \"corporate\" at 1 bank might be functionally identical to a \"commercial\" offering at another. 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If they're managing a handful of accounts, you're likely in corporate banking.",[],{"_key":1649,"_type":856,"children":1650,"level":1026,"listItem":1286,"markDefs":1659,"style":885},"k352",[1651,1655],{"_key":1652,"_type":860,"marks":1653,"text":1654},"k350",[956],"Look at how standardised your product terms are.",{"_key":1656,"_type":860,"marks":1657,"text":1658},"k351",[]," Commercial banking products typically come with fixed, published terms; corporate banking terms are usually negotiated individually for each client.",[],{"_key":1661,"_type":856,"children":1662,"level":1026,"listItem":1286,"markDefs":1671,"style":885},"k358",[1663,1667],{"_key":1664,"_type":860,"marks":1665,"text":1666},"k356",[956],"Notice how account opening and changes are processed.",{"_key":1668,"_type":860,"marks":1669,"text":1670},"k357",[]," Commercial banking tends to follow a fixed application process; corporate banking often involves bespoke structuring conversations before terms are even 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