They reduced the amount they pay towards the medical insurance premium. There is no bonus unless you are VP level and if you start out as an officer or lower, it takes a very long time to do get to the level where you receive bonuses. Raise is max at 4% which doesnt even keep up with the inflation. In order to get a higher salary, it would require you to leave the bank and come back. Not a great option. Some recruiters will lowball you and say that there is no room for negotiation. I had to relocate for the job, yet they gave me no relocation allowance and I was lowballed in my salary but wasnt aware till I started working and was able to meet another colleague who was doing similar job as me, however was making almost $20K more than I was....for almost the exact similar role.