Thanks to two major X factors -- the fiscal cliff and new bank capitalization standards -- 2013 could be the most eventful period for the banking industry since the crisis years of 2008 and 2009. Due to its historically low interest rates, the banking environment since the Great Recession has been kinder to borrowers than depositors. That could change in 2013, but not because savers are likely to see higher bank yields. Instead, borrowers may encounter their own tough spot as lending standards tighten, which could result from a number of events. Beyond this, several issues threaten to bring major changes to other realms of banking. Here are eight key things to watch.