Unfair charges and fees on banking transactions, inadequate and often misleading information supplied to bank customers, rather than advising borrowers how to get out of a temporary setback in their businesses squeezing them to the point of bankruptcy are a few items in the long list of complaints that could bring the banks into bad disrepute.
Is it ethical to impose inordinately high charges and fees? I am sure you know the right answer. Is it not ethical for banks to supply their customers with information about the charges and fees? All in all, the culture of any bank does matter.