While this may be a little off point, most banks do not own strip malls, stores and the like. They may finance the construction of said properties, and may actually grant a mortgage to the developer/owner once it is built, but that is it. Usually the only way they wind up with ownership is if the owner defaults on the loan, then the property is taken over by the bank. And they try to sell it asafp because they aren't in the business to run stores. Trust me, they don't determine retail rental prices. Rents go up because the developer/owner feels they can get it and somebody would be willing to pay it, realistic or unrealistically (usually the latter).
I was in the mortgage end of a large bank for years and we had a large budget for lending, around $400 million annually. We didn't touch the business market as it was too risky.