Union Bank of India · Material risks, their source context, and severity in the latest available quarter.
ConCallIQ research layer
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Risk intelligence
Industry-wide liquidity crunch where credit growth (13.9% system) outpaces deposit growth (10.6% system); RBI analysis suggests wedge may persist for 1-2 more years. Union Bank's deposit growth of 8.5% lags its 11.5% advance growth.
Households shifting savings from deposits to equity and small savings instruments; CASA ratio facing structural headwinds in high-rate environment. Risk of upward pressure on cost of deposits.
MSME NPA remains elevated at ~8% despite improving from higher levels; while 50% of MSME book is micro advances with collateral, analyst raised concerns about sector-specific stress.
New RBI guidelines reclassify AFS as banking book, eliminating MTM gains booking flexibility; management shifted positions to HFT but treasury income volatility may increase going forward.
