This paper examines the behavioral patterns of banks, particularly their propensity to undertake excessive risks and engage in misconduct across financial wholesale and retail markets. The prevalence of such malpractice is intricately tied to the motivations and goals of various sectors within the banking industry. In the private sector, banks are incentivized to promote high sales incentives and commission-based products, whereas public sector banks prioritize deposit mobilization. These dynamics underscore both the commercial imperatives and regulatory influences shaping bank behavior. Moreover, banks frequently neglect to provide comprehensive and accurate disclosures regarding product features, highlighting deficiencies in transparency and accountability.