Deposit-Credit Growth Mismatch
Credit growth (11-12% industry) running ahead of deposit growth, creating funding pressure. Management admits Catch-22 situation where CASA growth slowdown constrains corporate lending expansion.
UNIONBANK / Q3-FY25 / risks
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Union Bank of India · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
MSME Book Reclassification Impact
INR 13,000 crore MSME book reclassified—INR 5,000 crore upgraded to mid-corporate and INR 12,000 crore declassified due to URN number issues. INR 7,000 crore NPAs reclassified to 'LC and Others' segment, inflating GNPA.
Interest Income from NPA Recovery Declining
Recovery credited to interest income at INR 1,738 crore in 9M vs INR 2,223 crore last year—shortfall of INR 500 crore. Management attributes this to weaker SARFAESI effectiveness this year.
SMA-2 Single Large Account Volatility
One large account moved to SMA-2 (INR 5,500 crore vs INR 1,654 crore in Q2) due to temporary funding delay. Account recovered subsequently but highlights account-level concentration risk in advances book.