[edwinnathaniel]

As one commenter said it before: slightly higher rates (due to competition).

Another one would be: target of acquisition of a bigger international banks (HSBC comes to mind). Slowly the govt. has to regulate that as well or else ...

[nekojima]

Slightly higher rates would not be due to competition, but the reduced economies of scale and the perceived increased risk from relying on potentially fewer clients and a smaller loan book. A reduction in the Return on Equity could help to compensate to lower interest rate, but then the bank may not be as favoured or valued as highly by investors.