[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.]

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

Hanif Bayat posts on X about avg, money, inflation, business loans the most. They currently have XXXXXX followers and XXX posts still getting attention that total XXXXX engagements in the last XX hours.

### Engagements: XXXXX [#](/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 -XX%
- X Months XXXXXXXXX -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 Months XX -XX%
- X Year XX -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 +0.48%
- X Month XXXXXX +1%
- X Months XXXXXX +12%
- X Year XXXXXX +33%

### CreatorRank: XXXXXXXXX [#](/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 [#](/creator/twitter::949369311189139462/influence)
---

**Social category influence**
[stocks](/list/stocks)  [finance](/list/finance)  [cryptocurrencies](/list/cryptocurrencies) 

**Social topic influence**
[avg](/topic/avg), [money](/topic/money), [inflation](/topic/inflation) #309, [business loans](/topic/business-loans), [$2413t](/topic/$2413t), [m2](/topic/m2), [balance sheet](/topic/balance-sheet), [rates](/topic/rates), [investment](/topic/investment), [constellation](/topic/constellation)

**Top assets mentioned**
[Shopify Inc (SHOP)](/topic/$shop) [Bitcoin (BTC)](/topic/bitcoin)
### Top Social Posts [#](/creator/twitter::949369311189139462/posts)
---
Top posts by engagements in the last XX hours

"Net Interest Margin (NIM)- Big X Banks: 🔹Last X yrs: 1.39%1.75% (avg 1.5%) 🔹Pre-pandemic: XXX% 🔹Now: XXX% (more competition) U.S. Giants (J.P. Morgan BofA Citi): NIM: 1.99%2.58% driven by riskier portfolios (e.g. more business loans) 💡NIM is keybut not everything. Profitability also depends on: Lean operating costs Strong non-interest income Managed credit risk --------------------- Provided by Simply Know Your Options🔍"  
![@HanifBayat Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::949369311189139462.png) [@HanifBayat](/creator/x/HanifBayat) on [X](/post/tweet/1943441893318140155) 2025-07-10 22:47:09 UTC 10.8K followers, 2635 engagements


"During a monetary contraction the central banks balance sheet may shrinkbut this doesnt necessarily mean the broader money supply (such as M2 or M3) is decreasing. For example as shown here even during periods of quantitative tightening M3 continued to grow:"  
![@HanifBayat Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::949369311189139462.png) [@HanifBayat](/creator/x/HanifBayat) on [X](/post/tweet/1945564633487872267) 2025-07-16 19:22:10 UTC 10.8K followers, XXX engagements


"Top-performing investment of the 21st century In my @globeandmail piece since 2001 annual returns: 🪙Gold: XXXX% 🏠Real Estate (w/ rent): XXX% S&P XXX TR (in CAD): XXX% TSX TR: XXX% 🏠 Real Estate (no rent): XXX% 📊 Avg annual rates: Inflation (CPI): XXX% Money Supply: XXX% As money supply grows asset prices rise faster than income. 📰Read: ------------------------ Provided by Simply Know Your Options🔍"  
![@HanifBayat Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::949369311189139462.png) [@HanifBayat](/creator/x/HanifBayat) on [X](/post/tweet/1945525964844269760) 2025-07-16 16:48:30 UTC 10.8K followers, 84.3K engagements


"Top XX Corporate Giants: 🔹7 Finance 🔹4 Oil/Gas 🔹2 Railroads 🔹2 Groceries 🔹2 Software 🔹3 Others 📅 Avg founding year: 1916 (vs. 1956 ) Is business sector too old-school🤔 Avg annualized return (incl. div): 🔹5-yr: XXXX% 🔹10-yr: XXXX% Beating real estate returns (4.5%-11%) Top performers (5-yr annualized return): Constellation: XX% CNRL: XX% Shopify: XX% Loblaws: XX% ------------------------ Provided by Simply Know Your Options🔍"  
![@HanifBayat Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::949369311189139462.png) [@HanifBayat](/creator/x/HanifBayat) on [X](/post/tweet/1892253161835864489) 2025-02-19 16:41:24 UTC 10.8K followers, 131.2K engagements


"📺My Interview on Asset Inflation at @BNNBloomberg Since 2001: Major asset classes: X% CAGR Money supply growth: +7%/yr weaker $ Gold: XX increase Since 2015: Bitcoin led with a XXX return S&P XXX Total Return Real Estate & Gold Leverage Use: Only real estate allows for long-term high leverage through mortgages --------------------- Provided by Simply Know Your Options🔍"  
![@HanifBayat Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::949369311189139462.png) [@HanifBayat](/creator/x/HanifBayat) on [X](/post/tweet/1947692023923810722) 2025-07-22 16:15:39 UTC 10.8K followers, 3191 engagements