Union Bank of India · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Deposit growth at 0.95% QoQ (3.36% YoY) significantly trails credit growth of 4% QoQ (7.13% YoY); LDR at 83.89% with domestic CD below 81%; CASA increase partially offsets but reliance on wholesale funding may increase cost
H1 FY26 had zero PSLC income vs INR 950 crore in H1 FY25; only INR 108 crore booked in Q3; analyst questioned whether FY25 levels (~INR 950 crore half-year) can be recovered in remaining quarters
Standard asset provisions dropped sharply to INR 176 crore from INR 882 crore QoQ; management stated no ECL provisioning done this quarter; analyst Siddharth Rajpurohit asked for excess standard asset provision quantum but management did not quantify
Management stated ECL impact would be INR 4,200-4,300 crore net of existing provisions and offered 5-year dispensation but said bank may not need it; analyst questioned if this is transition impact or run rate—management stated run rate credit cost should be similar, but exact ECL impact pending final RBI guidelines
