Dark | Light
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

# ![@smcglobal Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::41066148.png) @smcglobal SMC Global

SMC Global posts on X about generated, lending, faster, finance the most. They currently have XXXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.

### Engagements: XXXXX [#](/creator/twitter::41066148/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::41066148/c:line/m:interactions.svg)

- X Week XXXXX +100%
- X Month XXXXXX +106%
- X Months XXXXXX +141%
- X Year XXXXXX +133%

### Mentions: XX [#](/creator/twitter::41066148/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::41066148/c:line/m:posts_active.svg)

- X Week XX -XXXX%
- X Month XXX +41%
- X Months XXX +662%
- X Year XXX +416%

### Followers: XXXXXX [#](/creator/twitter::41066148/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::41066148/c:line/m:followers.svg)

- X Week XXXXXX +0.09%
- X Month XXXXXX +0.30%
- X Months XXXXXX +1.40%
- X Year XXXXXX +3.20%

### CreatorRank: XXXXXXXXX [#](/creator/twitter::41066148/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::41066148/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::41066148/influence)
---

**Social category influence**
[stocks](/list/stocks)  XXXXX% [finance](/list/finance)  XXXX% [countries](/list/countries)  XXXX% [technology brands](/list/technology-brands)  XXXX%

**Social topic influence**
[generated](/topic/generated) 3.33%, [lending](/topic/lending) 3.33%, [faster](/topic/faster) 3.33%, [finance](/topic/finance) 1.67%, [savings](/topic/savings) 1.67%, [just the](/topic/just-the) 1.67%, [profitable](/topic/profitable) 1.67%, [india](/topic/india) 1.67%, [adani green](/topic/adani-green) 1.67%, [ipo](/topic/ipo) XXXX%

**Top accounts mentioned or mentioned by**
[@ankitrakeshsax3](/creator/undefined) [@ncdexofficial](/creator/undefined) [@profit__trade](/creator/undefined)

**Top assets mentioned**
[HDFC Bank Limited (HDB)](/topic/$hdb)
### Top Social Posts [#](/creator/twitter::41066148/posts)
---
Top posts by engagements in the last XX hours

"How healthy are Indias Small Finance Banks Heres a snapshot of Gross Non-Performing Assets (GNPA) ratios as of Q4 FY25: X Ujjivan Small Finance Bank: XXXX% X AU SMALL FINANCE BANK: XXXX% X Jana Small FB: XXXX% X Equitas Small Finance Bank: XXXX% X Utkarsh Small Finance Bank: XXXX% Lower GNPA reflects stronger asset quality and better credit risk management. Notably Utkarsh stands out with a significantly higher GNPA warranting close monitoring. Disclaimer: For informational purposes only. Not investment advice"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1939665499098640412) 2025-06-30 12:41:06 UTC 21.6K followers, 1243 engagements


"Meanwhile Axis Bank posted a drop in profits despite strong market position Thats a red flag for investors So ICICIs performance is both strong and sustainable"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284071089934537) 2025-07-21 13:14:35 UTC 21.6K followers, XX engagements


"Only one bank delivered a solid Q1 FY26 performance among Indias top private banks And its not HDFC Bank From interest income to profit to margins - ICICI Bank is pulling ahead 📌Heres a breakdown of the numbers (and what they really mean):"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284056879571099) 2025-07-21 13:14:32 UTC 21.6K followers, XXX engagements


"7 CASA Ratio % of low-cost deposits (Current & Savings Accounts) - ICICI: XXXX% - HDFC: XX% - Axis: XX% Surprise: Axis Bank has the highest CASA ratio among the three That means its raising cheap capital more efficiently which helps improve profitability in the long run Higher CASA = Cheaper funds = Better profits"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284106166886571) 2025-07-21 13:14:44 UTC 21.6K followers, XX engagements


"Heres the summary: 🔹ICICI Bank: Clear winner. Profits margins loans and CASA everythings moving in the right direction 🔹HDFC Bank: Still the biggest but not the strongest this quarter. Profits rise margins dipped and growth slowed 🔹Axis Bank is getting more efficient improving on deposits and margins but needs to fix its profit growth"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284120301600808) 2025-07-21 13:14:47 UTC 21.6K followers, XXX engagements


"Key Takeaway: Dont just look at size Look at direction ICICI Bank isnt just big - its getting better every quarter If this continues it might soon be the most dominant private bank in India not just the most profitable"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284124202418473) 2025-07-21 13:14:48 UTC 21.6K followers, XX engagements


"Major Players in Generation: NTPC Generates XX% of Indias power. Public sector giant. Adani Power Tata Power JSW Energy Key thermal players. NHPC SJVN Specialize in hydropower. Adani Green ReNew Power Tata Power Solar Leaders in solar. Suzlon Inox Wind Wind turbine manufacturers & developers. Every watt begins at their plants"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1945840934022946828) 2025-07-17 13:40:05 UTC 21.6K followers, XXX engagements


"Axis Bank looks cheap but thats not always a good thing It reflects low investor confidence not hidden value. So whats the full picture"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284116170224120) 2025-07-21 13:14:46 UTC 21.6K followers, XX engagements


"📊 HDFC Bank Q1 FY26 Results are Out 🔼 Income growth was driven by transaction gains from a partial divestment through OFS in the HDB Financial Services IPO. 💹 Net Profit climbed XX% YoY GNPA Ratio rose slightly to XXXX% 💵 Interim Dividend of X per share declared 🎁 Bonus Issue announced in a 1:1 ratio 📝 Strong earnings performance; dividend and bonus announced; asset quality remains a watchpoint. #HDFCBankQ1Results #Q1FY26 #PrivateBank #CorporateActions #HDFCBankSharePrice #QuarterlyEarnings #Sensex #Nifty #SMCGlobal"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1946524007857332674) 2025-07-19 10:54:22 UTC 21.6K followers, XXX engagements


"2 Now lets talk about Net Profit Growth (YoY) which tells us how much actual income the banks generated ICICI Banks profit jumped by XXXX% to 12768 Cr HDFC Banks profit increased by XXXX% landing at 18155 Cr Axis Bank: X% decline to 5806 Cr ICICI Bank again stands out delivering highest profit growth"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284067411537949) 2025-07-21 13:14:35 UTC 21.6K followers, XX engagements


"Step 2: Power Transmission The national highway for electricity Once generated electricity must travel - fast and far. Thats where transmission lines step in. Think of them as expressways carrying electricity from power plants to city outskirts Voltage is stepped up to reduce losses Sent over long distances to substations"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1945840936962920802) 2025-07-17 13:40:06 UTC 21.6K followers, XX engagements


"Who runs this show Power Grid Corporation (PGCIL): Handles XX% of Indias entire transmission Adani Transmission Tata Power: Key private players State Transmission Utilities: Support local grids"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1945840939122987143) 2025-07-17 13:40:06 UTC 21.6K followers, XXX engagements


"✏Indias Stationery Showdown Doms and ITC are ruling the desks with a combined40% market sharein FY23 From pencils to pens heres how the top stationery brands stack up: ITC Limited (Classmate) XX% DOMS Industries Limited XX% Hindustan Pencils Pvt. Ltd. (Nataraj & Apsara) X% Flair pens Ltd X% Kokuyo Camlin Ltd. X% Luxor X% Linc pen X% Navneet indu Cello X% each Rorito International Pvt. Ltd. (Formerly GM Pens International Pvt. Ltd.) X% 📚 As students return to classrooms and offices resume competition for shelf space is heating up. Which brand was your childhood favourite"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1946110832678506698) 2025-07-18 07:32:34 UTC 21.6K followers, XXX engagements


"Top Brands Powering Indian Homes: Philips (Signify): Big in smart lighting Wipro Lighting: Strong B2B + B2C play Havells Crompton Orient Bajaj: Household names Syska: Affordable LED brand Goldmedal Surya Finolex Polycab Panasonic: Broad electrical product lines"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1945840949331972215) 2025-07-17 13:40:08 UTC 21.6K followers, XXX engagements


"5 Loan Growth (YoY) This shows how much the banks lending has expanded: 🟧 ICICI: XX% 🟦 HDFC: XXX% 🟩 Axis: 8%"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284088634896757) 2025-07-21 13:14:40 UTC 21.6K followers, XX engagements


"🔸ICICI is the most efficient 🔸HDFC is below average - meaning it earns less profit from every loaned 🔸Axis Banks NIM is stable This is crucial for long-term growth"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284084226396545) 2025-07-21 13:14:39 UTC 21.6K followers, XX engagements


"That means its business activity has picked up at a much faster pace than HDFC or Axis Bank But is that enough No Lets go deeper"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284064332910852) 2025-07-21 13:14:34 UTC 21.6K followers, XX engagements


"3 Lets now look at Asset Quality which tells us how many of their loans are turning into bad loans Non-Performing Assets (a key measure of loan quality) Here are the Gross NPA numbers: ICICI: XXXX% HDFC: XXX% Axis: 1.57%"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284074134937738) 2025-07-21 13:14:36 UTC 21.6K followers, XX engagements


"✅HDFC Bank is leading here - more deposits = more capital to lend ❌Axis Banks low growth in deposits is a red flag - fewer people are trusting it with their money Banks run on trust. Deposit trends show whos winning that game"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284102001901620) 2025-07-21 13:14:43 UTC 21.6K followers, XX engagements


"1 Lets start with the most basic business indicator: Net Interest Income (YoY) ICICI Bank: XXXX% HDFC Bank: XXX% Axis Bank: X% ICICI Bank leads here with double-digit growth but Axis Bank is far behind Out of the three ICICI Bank showed the strongest NII growth"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284060520198608) 2025-07-21 13:14:33 UTC 21.6K followers, XX engagements


"4 Lets move to Net Interest Margins (NIM) This tells how much profit a bank earns on loans after paying interest on deposits ICICI: XXXX% HDFC: XXXX% Axis: XXXX% ICICI has the best margin indicating its ability to earn more per rupee lent. Axis is doing well too while HDFC is clearly lagging here"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284079818207284) 2025-07-21 13:14:38 UTC 21.6K followers, XX engagements


"Net NPAs (after provisions): ICICI: XXXX% HDFC: XXX% Axis: XXXX% ICICI Bank has the highest GNPA but leads in Net NPAthanks to stronger provisioning"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284076898967797) 2025-07-21 13:14:37 UTC 21.6K followers, XX engagements


"ICICI Bank continues to be the most aggressive lender without compromising on asset quality Axis shows decent growth but HDFC appears conservative ICICI is lending faster than the rest - thats a sign of strong demand and credit expansion But faster growth needs control over bad loans and ICICI is managing that well"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284092938010946) 2025-07-21 13:14:41 UTC 21.6K followers, XX engagements


"6 Deposit Growth (YoY) 🟧ICICI: XXXX% 🟦HDFC: XXXX% 🟩Axis: X% HDFC still remains a deposit magnet. But Axis and ICICI despite slower growth have been improving the quality of deposits (more on that next)"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284096985792543) 2025-07-21 13:14:42 UTC 21.6K followers, XX engagements


"8 Price-to-Book Ratio (Valuation) This shows what the market thinks of each bank (July 21): ICICI Bank: 3.11x HDFC Bank: 2.81x Axis Bank: 1.83x Investors are paying a premium for ICICI Bank because of strong performance"  
![@smcglobal Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::41066148.png) [@smcglobal](/creator/x/smcglobal) on [X](/post/tweet/1947284112093401370) 2025-07-21 13:14:45 UTC 21.6K followers, XX engagements

[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

@smcglobal Avatar @smcglobal SMC Global

SMC Global posts on X about generated, lending, faster, finance the most. They currently have XXXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.

Engagements: XXXXX #

Engagements Line Chart

  • X Week XXXXX +100%
  • X Month XXXXXX +106%
  • X Months XXXXXX +141%
  • X Year XXXXXX +133%

Mentions: XX #

Mentions Line Chart

  • X Week XX -XXXX%
  • X Month XXX +41%
  • X Months XXX +662%
  • X Year XXX +416%

Followers: XXXXXX #

Followers Line Chart

  • X Week XXXXXX +0.09%
  • X Month XXXXXX +0.30%
  • X Months XXXXXX +1.40%
  • X Year XXXXXX +3.20%

CreatorRank: XXXXXXXXX #

CreatorRank Line Chart

Social Influence #


Social category influence stocks XXXXX% finance XXXX% countries XXXX% technology brands XXXX%

Social topic influence generated 3.33%, lending 3.33%, faster 3.33%, finance 1.67%, savings 1.67%, just the 1.67%, profitable 1.67%, india 1.67%, adani green 1.67%, ipo XXXX%

Top accounts mentioned or mentioned by @ankitrakeshsax3 @ncdexofficial @profit__trade

Top assets mentioned HDFC Bank Limited (HDB)

Top Social Posts #


Top posts by engagements in the last XX hours

"How healthy are Indias Small Finance Banks Heres a snapshot of Gross Non-Performing Assets (GNPA) ratios as of Q4 FY25: X Ujjivan Small Finance Bank: XXXX% X AU SMALL FINANCE BANK: XXXX% X Jana Small FB: XXXX% X Equitas Small Finance Bank: XXXX% X Utkarsh Small Finance Bank: XXXX% Lower GNPA reflects stronger asset quality and better credit risk management. Notably Utkarsh stands out with a significantly higher GNPA warranting close monitoring. Disclaimer: For informational purposes only. Not investment advice"
@smcglobal Avatar @smcglobal on X 2025-06-30 12:41:06 UTC 21.6K followers, 1243 engagements

"Meanwhile Axis Bank posted a drop in profits despite strong market position Thats a red flag for investors So ICICIs performance is both strong and sustainable"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:35 UTC 21.6K followers, XX engagements

"Only one bank delivered a solid Q1 FY26 performance among Indias top private banks And its not HDFC Bank From interest income to profit to margins - ICICI Bank is pulling ahead 📌Heres a breakdown of the numbers (and what they really mean):"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:32 UTC 21.6K followers, XXX engagements

"7 CASA Ratio % of low-cost deposits (Current & Savings Accounts) - ICICI: XXXX% - HDFC: XX% - Axis: XX% Surprise: Axis Bank has the highest CASA ratio among the three That means its raising cheap capital more efficiently which helps improve profitability in the long run Higher CASA = Cheaper funds = Better profits"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:44 UTC 21.6K followers, XX engagements

"Heres the summary: 🔹ICICI Bank: Clear winner. Profits margins loans and CASA everythings moving in the right direction 🔹HDFC Bank: Still the biggest but not the strongest this quarter. Profits rise margins dipped and growth slowed 🔹Axis Bank is getting more efficient improving on deposits and margins but needs to fix its profit growth"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:47 UTC 21.6K followers, XXX engagements

"Key Takeaway: Dont just look at size Look at direction ICICI Bank isnt just big - its getting better every quarter If this continues it might soon be the most dominant private bank in India not just the most profitable"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:48 UTC 21.6K followers, XX engagements

"Major Players in Generation: NTPC Generates XX% of Indias power. Public sector giant. Adani Power Tata Power JSW Energy Key thermal players. NHPC SJVN Specialize in hydropower. Adani Green ReNew Power Tata Power Solar Leaders in solar. Suzlon Inox Wind Wind turbine manufacturers & developers. Every watt begins at their plants"
@smcglobal Avatar @smcglobal on X 2025-07-17 13:40:05 UTC 21.6K followers, XXX engagements

"Axis Bank looks cheap but thats not always a good thing It reflects low investor confidence not hidden value. So whats the full picture"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:46 UTC 21.6K followers, XX engagements

"📊 HDFC Bank Q1 FY26 Results are Out 🔼 Income growth was driven by transaction gains from a partial divestment through OFS in the HDB Financial Services IPO. 💹 Net Profit climbed XX% YoY GNPA Ratio rose slightly to XXXX% 💵 Interim Dividend of X per share declared 🎁 Bonus Issue announced in a 1:1 ratio 📝 Strong earnings performance; dividend and bonus announced; asset quality remains a watchpoint. #HDFCBankQ1Results #Q1FY26 #PrivateBank #CorporateActions #HDFCBankSharePrice #QuarterlyEarnings #Sensex #Nifty #SMCGlobal"
@smcglobal Avatar @smcglobal on X 2025-07-19 10:54:22 UTC 21.6K followers, XXX engagements

"2 Now lets talk about Net Profit Growth (YoY) which tells us how much actual income the banks generated ICICI Banks profit jumped by XXXX% to 12768 Cr HDFC Banks profit increased by XXXX% landing at 18155 Cr Axis Bank: X% decline to 5806 Cr ICICI Bank again stands out delivering highest profit growth"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:35 UTC 21.6K followers, XX engagements

"Step 2: Power Transmission The national highway for electricity Once generated electricity must travel - fast and far. Thats where transmission lines step in. Think of them as expressways carrying electricity from power plants to city outskirts Voltage is stepped up to reduce losses Sent over long distances to substations"
@smcglobal Avatar @smcglobal on X 2025-07-17 13:40:06 UTC 21.6K followers, XX engagements

"Who runs this show Power Grid Corporation (PGCIL): Handles XX% of Indias entire transmission Adani Transmission Tata Power: Key private players State Transmission Utilities: Support local grids"
@smcglobal Avatar @smcglobal on X 2025-07-17 13:40:06 UTC 21.6K followers, XXX engagements

"✏Indias Stationery Showdown Doms and ITC are ruling the desks with a combined40% market sharein FY23 From pencils to pens heres how the top stationery brands stack up: ITC Limited (Classmate) XX% DOMS Industries Limited XX% Hindustan Pencils Pvt. Ltd. (Nataraj & Apsara) X% Flair pens Ltd X% Kokuyo Camlin Ltd. X% Luxor X% Linc pen X% Navneet indu Cello X% each Rorito International Pvt. Ltd. (Formerly GM Pens International Pvt. Ltd.) X% 📚 As students return to classrooms and offices resume competition for shelf space is heating up. Which brand was your childhood favourite"
@smcglobal Avatar @smcglobal on X 2025-07-18 07:32:34 UTC 21.6K followers, XXX engagements

"Top Brands Powering Indian Homes: Philips (Signify): Big in smart lighting Wipro Lighting: Strong B2B + B2C play Havells Crompton Orient Bajaj: Household names Syska: Affordable LED brand Goldmedal Surya Finolex Polycab Panasonic: Broad electrical product lines"
@smcglobal Avatar @smcglobal on X 2025-07-17 13:40:08 UTC 21.6K followers, XXX engagements

"5 Loan Growth (YoY) This shows how much the banks lending has expanded: 🟧 ICICI: XX% 🟦 HDFC: XXX% 🟩 Axis: 8%"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:40 UTC 21.6K followers, XX engagements

"🔸ICICI is the most efficient 🔸HDFC is below average - meaning it earns less profit from every loaned 🔸Axis Banks NIM is stable This is crucial for long-term growth"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:39 UTC 21.6K followers, XX engagements

"That means its business activity has picked up at a much faster pace than HDFC or Axis Bank But is that enough No Lets go deeper"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:34 UTC 21.6K followers, XX engagements

"3 Lets now look at Asset Quality which tells us how many of their loans are turning into bad loans Non-Performing Assets (a key measure of loan quality) Here are the Gross NPA numbers: ICICI: XXXX% HDFC: XXX% Axis: 1.57%"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:36 UTC 21.6K followers, XX engagements

"✅HDFC Bank is leading here - more deposits = more capital to lend ❌Axis Banks low growth in deposits is a red flag - fewer people are trusting it with their money Banks run on trust. Deposit trends show whos winning that game"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:43 UTC 21.6K followers, XX engagements

"1 Lets start with the most basic business indicator: Net Interest Income (YoY) ICICI Bank: XXXX% HDFC Bank: XXX% Axis Bank: X% ICICI Bank leads here with double-digit growth but Axis Bank is far behind Out of the three ICICI Bank showed the strongest NII growth"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:33 UTC 21.6K followers, XX engagements

"4 Lets move to Net Interest Margins (NIM) This tells how much profit a bank earns on loans after paying interest on deposits ICICI: XXXX% HDFC: XXXX% Axis: XXXX% ICICI has the best margin indicating its ability to earn more per rupee lent. Axis is doing well too while HDFC is clearly lagging here"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:38 UTC 21.6K followers, XX engagements

"Net NPAs (after provisions): ICICI: XXXX% HDFC: XXX% Axis: XXXX% ICICI Bank has the highest GNPA but leads in Net NPAthanks to stronger provisioning"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:37 UTC 21.6K followers, XX engagements

"ICICI Bank continues to be the most aggressive lender without compromising on asset quality Axis shows decent growth but HDFC appears conservative ICICI is lending faster than the rest - thats a sign of strong demand and credit expansion But faster growth needs control over bad loans and ICICI is managing that well"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:41 UTC 21.6K followers, XX engagements

"6 Deposit Growth (YoY) 🟧ICICI: XXXX% 🟦HDFC: XXXX% 🟩Axis: X% HDFC still remains a deposit magnet. But Axis and ICICI despite slower growth have been improving the quality of deposits (more on that next)"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:42 UTC 21.6K followers, XX engagements

"8 Price-to-Book Ratio (Valuation) This shows what the market thinks of each bank (July 21): ICICI Bank: 3.11x HDFC Bank: 2.81x Axis Bank: 1.83x Investors are paying a premium for ICICI Bank because of strong performance"
@smcglobal Avatar @smcglobal on X 2025-07-21 13:14:45 UTC 21.6K followers, XX engagements

@smcglobal
/creator/twitter::smcglobal