human greed is the greatest risk responsible for fall of many banks

Yes Mr.Vikas Bhatnagar and thanks for the referral. There are other reasons like bad debts which can not be recovered. In this case the bank employee himself is involving in creating fictitious  accounts on somebody with personal motive and the funds are transferred to that account and finally the money has become unpaid to the bank. Another case will be of misusing the reserved fund for a particular head[ sometimes bank creates some secret reserve funds to meet the contingencies] and this may be diverted to something else by the banks for others reasons known to the bank, which may be locked there that takes much more times to recover[ not able to mobilize the funds faster]   

Ketki what you said may be true for some extent but there are many other reason which makes a man greedy. So it is not he human greed but the factors that make a man greed. And I don't think that is the reason for the fall of banks....

Thanks.....