Retail難度上會易啲 因為你平時都會接觸到 佢問嘅嘢同你講嘅嘢你會易啲掌握 interview可能問下digital initiative & transformation/products/兩地股票債券互通之類偏retail客嘢 因為retail MT更偏向係做MO/BO function去initiate retail banking嘅project 而唔係front line sell客(i.e., teller) 所以interview應該會問得比較strategic planning啲

而for CMB 因為佢嘅MT多數完咗program都係做RM多 側重點係soft skill比較多 可能有啲bank會叫你一個mock client meeting interview去睇你點address個客嘅態度 另外都會問少少techincal questions 難度當然唔會好似IBD S&T咁 但佢technical嘅成份會比retail多 問得最多嘅可能係你點睇client嘅creditworthiness之類關於credit risk嘅問題 所以整體難度應該會比retail難少少