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# ![@HanifBayat Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::949369311189139462.png) @HanifBayat Hanif Bayat

Hanif Bayat posts on X about bank, $nato, lack of, $bmo the most. They currently have XXXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours.

### Engagements: XXXXXX [#](/creator/twitter::949369311189139462/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::949369311189139462/c:line/m:interactions.svg)

- X Week XXXXXX -XX%
- X Month XXXXXXX +577%
- X Months XXXXXXX -XX%
- X Year XXXXXXXXX -XX%

### Mentions: X [#](/creator/twitter::949369311189139462/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::949369311189139462/c:line/m:posts_active.svg)

- X Week XX +33%
- X Month XX +40%
- X Months XX -XXXX%
- X Year XXX -XX%

### Followers: XXXXXX [#](/creator/twitter::949369311189139462/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::949369311189139462/c:line/m:followers.svg)

- X Week XXXXXX +0.74%
- X Month XXXXXX +1.40%
- X Months XXXXXX +6.80%
- X Year XXXXXX +23%

### CreatorRank: XXXXXXX [#](/creator/twitter::949369311189139462/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::949369311189139462/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  XXXXX% [stocks](/list/stocks)  XX% [cryptocurrencies](/list/cryptocurrencies)  XXXX%

**Social topic influence**
[bank](/topic/bank) 25%, [$nato](/topic/$nato) 25%, [lack of](/topic/lack-of) 16.67%, [$bmo](/topic/$bmo) 16.67%, [$bns](/topic/$bns) 16.67%, [money](/topic/money) 16.67%, [mortgage rate](/topic/mortgage-rate) 8.33%, [$2500yr](/topic/$2500yr) 8.33%, [$500k](/topic/$500k) 8.33%, [market cap](/topic/market-cap) XXXX%

**Top accounts mentioned or mentioned by**
[@wealthmoose](/creator/undefined) [@globeandmail](/creator/undefined) [@torontostar](/creator/undefined) [@codescrypto](/creator/undefined) [@strohs16](/creator/undefined)

**Top assets mentioned**
[Bank of Montreal (BMO)](/topic/$bmo) [Bank of Nova Scotia (BNS)](/topic/$bns) [Rubic (RBC)](/topic/$rbc) [Canadian Imperial Bank of Commerce (CM)](/topic/$cm) [The Toronto-Dominion Bank (TD)](/topic/$td) [Royal Bank of Canada (RY)](/topic/$ry)
### Top Social Posts
Top posts by engagements in the last XX hours

"🚨 WOWA Data Labs finds: Big X banks offered mortgage rates 0.50%+ LOWER than what they advertise Thats $2500+/yr in extra interest on a $500K mortgagepaid simply due to lack of info How to get better rates: X Look beyond the Big X X Shop around (e.g. X Check multiple brokerages X Ask about employee rates 📊Knowledge = savings My piece in @globeandmail : ------------------------ Provided by Simply Know Your Options🔍"  
[X Link](https://x.com/HanifBayat/status/1995898360901910545)  2025-12-02T16:50Z 11.4K followers, 139.9K engagements


"🍁 Snapshot of Big Six Banks Q4 2025 Earnings 🔹All Big Six banks beat expectations 🔹RBCs market cap now exceeds the combined market caps of BMO CIBC and National Bank Heres how each bank performed 👇 (1/4)"  
[X Link](https://x.com/HanifBayat/status/1997097772512678334)  2025-12-06T00:16Z 11.4K followers, 4436 engagements


"📣My @TorontoStar piece: Think youre poorer than your parents Heres why and how to fix it 🔹CPI measures the cost of living not the cost of building a life 🔹Housing stocks & gold have risen far faster than CPI 🔹But historical incomes are adjusted only by CPI👇 (1/4)"  
[X Link](https://x.com/HanifBayat/status/1998155403339665538)  2025-12-08T22:19Z 11.4K followers, 32.9K engagements


"Non-Interest Cost-to-Revenue of Top XX Lenders: 🔹Best Efficiency: Equitable Bank (no branches) 🔹Most Revenue: RBC with $52B in 2023 Non-Public Lenders (Desjardins & ATB) have worse efficiency possibly due to lack of shareholder scrutiny. $TD $RBC $BMO $BNS $CM $NA.TO ------------------------ Provided by Simply Know Your Options🔍"  
[X Link](https://x.com/HanifBayat/status/1851322397246570638)  2024-10-29T17:57Z 11.4K followers, 2883 engagements


"Lenders' Loans Breakdown: Big X banks+Desjardins: XX% 55+ banks & credit unions: XX% Big X Banks Loans: 🏡Mortgage+HELOC: XX% 🏢Business+Govt: XX% 👥Personal: XX% Loans: : XX% : XX% Others: X% Loan Growth (5 yrs): $NA.TO: XX% $RY: XX% $BMO: XX% ------------------------ Provided by Simply Know Your Options🔍"  
[X Link](https://x.com/HanifBayat/status/1884036750538072230)  2025-01-28T00:32Z 11.4K followers, 11.9K engagements


"🍁 Big X Banks: 10-Year Change (Q3 2025 vs Q3 2015): 🔹National $NA.TO leads: Rev XXX% Income XXX% 🔹Scotia $BNS lags: Rev XX% Income XX% 🔹Combined: Mkt cap XXX% Rev XX% Income XX% Loans XX% Deposits XXX% Money supply (M2) XXX% ------------------------ Provided by Simply Know Your Options🔍"  
[X Link](https://x.com/HanifBayat/status/1966576859941925012)  2025-09-12T18:57Z 11.4K followers, 11.1K engagements


"🧭 What can be done 🔹Curb long-term money devaluation and asset inflation 🔹Ensure intergenerational fairness in policy 🔹Measure asset inflation not just CPI to reflect reality ------------------------ Provided by Simply Know Your Options🔍"  
[X Link](https://x.com/HanifBayat/status/1998155410487070804)  2025-12-08T22:19Z 11.4K followers, 1438 engagements


"Scotiabank: Annual net income growth:🥇 Highest of Big X 10-Year net income growth: Lowest of Big X 🔧 Major Q4 restructuring & 🌐 footprint changes CIBC: Net income revenue loans & deposits all up QoQ/YoY/10Y Strong Commercial Banking Dividend +10% YoY National Bank: Capital Markets strength + active M&A 🚀 Net income up XXX% in 10yrs highest among Big X 3/4"  
[X Link](https://x.com/HanifBayat/status/1997097777050825069)  2025-12-06T00:16Z 11.3K followers, XXX engagements


"My article:"  
[X Link](https://x.com/HanifBayat/status/1998156062999134450)  2025-12-08T22:21Z 11.4K followers, 1344 engagements