[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.]  TheTradewithMe [@TheTradewithMe](/creator/twitter/TheTradewithMe) on x XXX followers Created: 2025-07-20 09:20:47 UTC 🚨 HDFC Bank Q1 FY26 – Cracks Are Showing! India’s largest private bank just posted its results… and they’re NOT as strong as they look. Here’s a breakdown of the negatives you shouldn't ignore 👇 #HDFCBank #Q1Results #StockMarketIndia 📉 NIM Slips to XXX% Net Interest Margin fell sharply — one of the lowest in recent years. Why? Merger with HDFC Ltd raised cost of funds, and CASA ratio dropped. Margins = Pressure! 💸 CASA Ratio Down to XXXX% The bank’s low-cost deposit base shrank from XXXX% to 37.4%. Means more reliance on expensive term deposits — and lower profitability. ⚠️ Asset Quality Weakening Gross NPA rose to XXXX% (from 1.17%) Net NPA also up. Retail & agri slippages increased — post-merger stress is visible. 🧾 Operating Cost Spike Cost-to-income ratio worsened to 40.9%. Operating expenses up XX% YoY — while income grew slower. Merger pain still hitting the P&L. 🐢 Loan Growth Slows Loan book grew ~14.9% YoY — lower than ICICI, Axis, or even PSU peers. Integration fatigue showing in disbursal numbers. 💬 Final Word: HDFC Bank’s profit is up — but the quality of growth is under question. NIMs falling, CASA declining, costs rising — not a great combo. Merger gains? Not yet visible. The market expected a smooth transition. Instead, it got a reality check. $HDFCBANK investors — time to watch the fundamentals closely. #BankingStocks #NiftyBank #HDFCBankResults #ICICIBank #FinTwit XXX engagements  **Related Topics** [casa](/topic/casa) [corporate finance](/topic/corporate-finance) [$hdb](/topic/$hdb) [$hdfcbankns](/topic/$hdfcbankns) [stocks financial services](/topic/stocks-financial-services) [stocks banks](/topic/stocks-banks) [Post Link](https://x.com/TheTradewithMe/status/1946862843070214464)
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TheTradewithMe @TheTradewithMe on x XXX followers
Created: 2025-07-20 09:20:47 UTC
🚨 HDFC Bank Q1 FY26 – Cracks Are Showing! India’s largest private bank just posted its results… and they’re NOT as strong as they look. Here’s a breakdown of the negatives you shouldn't ignore 👇 #HDFCBank #Q1Results #StockMarketIndia
📉 NIM Slips to XXX% Net Interest Margin fell sharply — one of the lowest in recent years. Why? Merger with HDFC Ltd raised cost of funds, and CASA ratio dropped. Margins = Pressure!
💸 CASA Ratio Down to XXXX% The bank’s low-cost deposit base shrank from XXXX% to 37.4%. Means more reliance on expensive term deposits — and lower profitability.
⚠️ Asset Quality Weakening Gross NPA rose to XXXX% (from 1.17%) Net NPA also up. Retail & agri slippages increased — post-merger stress is visible.
🧾 Operating Cost Spike Cost-to-income ratio worsened to 40.9%. Operating expenses up XX% YoY — while income grew slower. Merger pain still hitting the P&L.
🐢 Loan Growth Slows Loan book grew ~14.9% YoY — lower than ICICI, Axis, or even PSU peers. Integration fatigue showing in disbursal numbers.
💬 Final Word: HDFC Bank’s profit is up — but the quality of growth is under question. NIMs falling, CASA declining, costs rising — not a great combo. Merger gains? Not yet visible.
The market expected a smooth transition. Instead, it got a reality check. $HDFCBANK investors — time to watch the fundamentals closely. #BankingStocks #NiftyBank #HDFCBankResults #ICICIBank #FinTwit
XXX engagements
Related Topics casa corporate finance $hdb $hdfcbankns stocks financial services stocks banks