Fixed deposit rates not competitive with other banks. FD cannot do.

One-year structured deposit no longer available. SD cannot do.

At least 6 increases in mortgage rates since the start of the year. Eve walk-in rates are higher than most banks. Bank acting all high and mighty, only wanting to attract the affluent. Now even the affluent don't want to come. Mortgage cannot do.

Terrible investment climate. Most regional market indices suffering worst slump in years, possiblity of a bear market coming up, most funds still coming down. Unit trust, premium currency investment cannot do.

Endowment plans' interest rates not attractive enough; too long term, money locked up. Insurance cannot do.

Bank M offering far higher savings account combined with ATM facility. ESavers cannot do.

Don't need to work already lah.