Bankers are optimistic about tempo of credit offtake and some easing of risk of slippages in current fiscal on the back of the narrower GDP contraction in the second quarter. Ashwani Bhatia, Managing Director (MD), State Bank of India (SBI) said things do not look bad so far. "With the (Q2 GDP) numbers, the double-digit dip in FY21 may not be there and we could see positive growth. This would have a beneficial effect on the credit side. However, much of the credit growth will be seen retail (auto, housing and personal loans) and SME segment," he said. Bank credit grew by 5.7 per cent year-on-year till early November 2020, shows Reserve Bank of India data. "The risks of slippages are within control for now. Yet, we have to be watchful of some large exposures in airports and SME segment," Bhatia added.