The nation's largest lender State Bank of India, which is flush with liquidity as large corporates are holding back investments, is focusing on increasing its SME loan book by opening dedicated branches across the country. "Earlier, we had sourcing teams and branches for SMEs, and sanction was done after being appraised by the SME city credit cell, that is a factory concept. But we have found that there is a lack of ownership in such a business model, so, we are now getting dedicated SME branches that will only do SME advances," stated SBI Chairperson Arundhati Bhattacharya.