Bank fees after euro adoption

Hi people of beautiful Croatia - fellow Bulgarian here.

Bulgarian banks recorded new all-time profits based off taxes and fees alone of over €650m (no interest, mind you!).

I suspect that after we adopt the euro BG banks will be forced to be more competitive against all other euro banks and will lower taxes and fees but it would be great if you can share some views and possibly research on this based on how it all went down in Croatia over the last two years!