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 The paper will be a focus on researching in the banking industry about how upper leaders and followers misbehave in their position. In this paper,  provide with some solutions and recommendations to resolve the ethical problems such as coaching/ training the employee’s behavior, emphasized and implementing the company’s rules, and knowing the results if they don’t follow.  Indian Banking Industry: Challenges And Opportunities Dr. K.A. Goyal1 and Vijay Joshi2 https://www.researchgate.net/profile/Vijay_Joshi8/publication/262144765_Indian_Banking_Industry_Challenges_And_Opportunities/links/0deec536c6b9584499000000/Indian-Banking-Industry-Challenges-And-Opportunities.pdf A STUDY OF SOCIAL AND ETHICAL ISSUES IN BANKING INDUSTRY Dr. K.A. Goyal1 and Vijay Joshi2 http://ijeronline.com/documents/volumes/Vol%202%20issue%205/ijer20110205SO(5).pdf Fractional Reserve Banking, Client Collaboration, and Fraud https://www.jstor.org/stable/24703072?Search=yes&resultItemClick=true&searchText=banking&searchText=fraud&searchUri=%2Faction%2FdoBasicSearch%3FQuery%3Dbanking%2Bfraud&ab_segments=0%2Fdefault-2%2Fcontrol&refreqid=search%3A38d7897c204d572b76872aea65bf55aa&seq=1#metadata_info_tab_contents Securities Fraud https://www.jstor.org/stable/1344764?Search=yes&resultItemClick=true&searchText=banking&searchText=fraud&searchUri=%2Faction%2FdoBasicSearch%3FQuery%3Dbanking%2Bfraud&ab_segments=0%2Fdefault-2%2Fcontrol&refreqid=search%3A38d7897c204d572b76872aea65bf55aa&seq=1#metadata_info_tab_contents Managing Business Ethics: Straight Talk about How to Do It Right https://books.google.com/books?hl=en&lr=&id=w0uMDgAAQBAJ&oi=fnd&pg=PA15&dq=how+to+avoid+ethical+issues+in+banking+industry&ots=LAf9AhfYX9&sig=_ShKxKnJwhQQ9qxnEk2WuDZcQgs#v=onepage&q&f=false

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