West Asia geopolitical disruption impact
Ongoing West Asia conflict could stress energy-sensitive sectors and remittance flows, though management sees no material impact yet.
UNIONBANKOFINDIA / Q4-FY26 / risks
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Material risks this quarter
medium
Elevated SMA1 levels
SMA1 loans nearly doubled sequentially, indicating potential stress in the near term, though management attributed it to migration from SMA2.
NIM compression from rate cuts
Further repo rate cuts could compress NIM, though management expects to defend margins through liability mix improvement.
Deposit growth lagging credit growth
Total deposit growth of 2.72% YoY trailed credit growth of 9.74%, potentially constraining future loan growth if not addressed.