'Corporates now have multiple funding sources beyond banks, and many are sitting on large cash reserves.'Illustration: Dominic Xavier/RediffC S Setty, chairman of State Bank of India (SBI), in conversation with Tamal Bandyopadhyay, discusses the slowdown in credit growth, the Reserve Bank of India's (RBI's) reforms, and the potential impact of allowing private sector professionals into public-sector banks (PSBs).Why is credit growth not picking up?We're not lacking in credit growth. If you look at the RBI d ...