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of parliament in 1955.the SBI group consisted of seven associate banks. It offered two kinds of services- Personal and corporate banking. It had a good reach, customer base and experience but now the bank has been facing problems like large workforce, huge NPA and increasing competition from new private sector banks. ATMs, Internet and computerization of banks had resulted to redundant back office staff.Inorder to cut its operating costs and increase its revenue for profit Voluntary retirement scheme also known as Golden Handshake was implemented on February 2001.