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Any deposit portfolio with that high a percentage of dormancy may be subject to the following risks:
1. Internal fraud - the staff can reactivate the accounts at their end and withdraw the amounts lying in the accounts, therefore reactivation procedures must be thoroughly reviewed and any weaknesses should be identified and addressed.
2. Unclaimed Deposits - In Pakistan, accounts that are dormant for more than10 years get transferred to the Central Bank and the end of the calendar year and no longer remain a part of the bank's balance sheet. Hence there is a risk of liquidity shortage which may be difficult to manage on a short term basis. However, this is a very small risk, IMO and is easily managed. I am not aware of the procedures and policies governing your region though, so this risk may not exist for you.
3. Reputation - This large a percentage of dormant accounts probably signifies that people are not willing to use their accounts regularly due to poor standards of service (or other reasons) and may lead to a repuational risk for your organization. It would certainly merit a closer look as to the reasons why people are unwilling to do business with you.
Hope that helps.
