Hindustan Steel Limited, Bhilai are having their staff salary accounts with one of the leading public sector banks since its inception. Many banks in the past have unsuccessfully tried for getting the 40,000 odd salary accounts. Several young employees of the company are demanding the management for shifting of their salary accounts to some private bank so that they can availinnovative banking facilities offered by them. The plant management is seriously thinking for opening account in a new bank which can meet their staff requirements. Being the relationshipmmanager of a new generation private bank, you are very keen to grab this opportunity. To make your bank's case strong before the Steel plant management, prepare a list of various innovative products and services offered by your bank to retail customers. What are the challenges and opportunities your bank is likely to face due to addition of this large customer base? What will be the impact on bank's profitability and productivity once these accounts are opened