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 ...
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.
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 ...