1. The use of classical architecture and elaborate ornamentation in the buildings.
2. The incorporation of strong, secure vaults and safes for storing money and valuables.
3. The use of handwritten ledgers and accounting systems.
4. Strict rules and regulations regarding credit, interest rates, and lending practices.
5. A conservative approach to banking with a focus on stability and risk avoidance.
6. A high level of personal engagement and relationship-building between bankers and their clients.
7. Limited technological innovation with a reliance on manual processes and systems.
8. A priority given to the concerns of shareholders and investors over those of customers or employees.
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