2. Loan Portfolio
Diversification
Scheme
Methodology
Benefits & Outcome Future Prospects
2.5 times hike in
unsecured loan
portfolio in less
than 3 years.
Implementing
Xpress Credit
made SBI the 2nd
biggest individual
loan segment for
the bank behind
home loans, and
rise to ₹1.04 lakh
crore at the end
of FY 2019.
The sharp rise in
the loans has led
to an increase in
the share of retail
in SBI's loan book
to 42% of total
loans from 32.5%
in FY 2019.
Home loans
continue to be the
largest segment
within retail at
₹5.38 lakh crore.
NPAs increased to
0.71% in Dec 2021
from 0.37% in
Mar 2021
The bank has
been able to
reduce NPAs to
end the current
fiscal at 0.60%.
SBI has 17.5
million corporate
salary accounts,
90% of which
customers took
these loans to
meet short-term
consumption
requirements
during and after
the pandemic.
High demand for
these loans has
led to an increase
in ticket size to
more than ₹5 lakh
currently from
less than ₹3 lakh a
couple of years
ago.
Data analytics and
targeted
penetration of
government
salary accounts
lead to the boost.
Utilized the
disruption caused
by the pandemic
to set up a retail
loan management
software (RLMS)
system.
SBI built a ₹2.40
lakh cr. personal
loan book, Xpress
Credit with just
0.60% (NPAs)
SBI's vast
23,000-branch
network, data
analytics-driven
processes along
with robust
demand for
these loans has
made the bank
confident of
increasing this
book to above
₹3 lakh crore by
December 2022
• Improvement in
business and
economic
environment,
young
population and
rising salaries
will ensure the
Xpress Credit
portfolio keeps
growing.
SBI plans to
increase the
maximum loan
amount to ₹35
lakh from ₹20
lakh to cater to
the ever-
increasing
demand
.
3. • The personal market in India to
be worth ₹7 lakh crore currently,
growing at 20% per annum.
Shifting Focus is now a focus
product in retail banking due to
its higher profitability.
they were given a list of
prospective customers using this
analytics, which also played a big
part in this growth
Regular reminders and phone calls
if an account showing delinquent
tendencies goes a long way in
reducing NPAs and making
payments regular.
Majority of customers pay back
within three years for these loans,
which typically have a five-year
tenure,
All these observations make us
more and more confident about
this product.
