"CRR cut is a wish list for every bank. Any time CRR is cut, banks add to their bottomline. But if liquidity is the determining criterion, then I do not see a CRR cut today," SBI managing director Diwakar Gupta said on the sidelines of a CII seminar.

Regarding credit growth of SBI, Gupta said the expected figure was 18 per cent this year. Last year SBI's credit growth was 15.6 per cent, Gupta said.

"Credit growth has been lagging deposit growth," he said.

He said that the bank was in continuous dialogue with the government for capital infusion of Rs. 4000 crore. "We are hopeful the money will come shortly," he told reporters.

Asked about the causes of NPAs, he said tightness in funding and liquidity and problems in receivables management were the prime causes.

PTI