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![Anvith_ Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::2414532469.png) The Indian Investor [@Anvith_](/creator/twitter/Anvith_) on x 19.2K followers
Created: 2025-07-21 11:38:29 UTC

JP Morgan Takeaways on Key Financials – Q1 FY26 Snapshot 

 ICICI Bank
✅ Clean beat
▪️ Strong CASA growth
▪️ Lower cost of funds (CoF) driving outperformance

 HDFC Bank
➖ In-line results
▪️ No rerating triggers
▪️ Margin headwinds & high Loan-to-Deposit Ratio (LDR) remain overhangs

Yes Bank
⚠️ Headline profit growth looks unsustainable
▪️ Boosted by one-off bond gains
▪️ RoA/RoE still muted → JP Morgan remains Underweight
▪️ "Deal trade" seems fully played out

 RBL Bank
⚠️ Margin pressure + high slippages
▪️ Bottomline aided by trading gains & provisioning reversal – not sustainable
▪️ Emirates NBD stake sale is sentiment positive, but fundamentals weak

AU Small Finance Bank
📈 Strong asset growth & return ratios
▪️ But valuation captures near-term upside → Rally may pause

Bandhan Bank
⚠️ PPoP & margin pressures persist
▪️ Transition to secured lending underway
▪️ Faces stiff competition in individual loans

#ICICIBank #HDFCBank #SBI #YesBank #IDFCFirstBank #kotakbank #IndusindBank

![](https://pbs.twimg.com/media/GwYOiX2bsAAhjN_.jpg)

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**Related Topics**
[lending](/topic/lending)
[casa](/topic/casa)
[$yesbankbo](/topic/$yesbankbo)
[investment](/topic/investment)
[jpmorgan chase](/topic/jpmorgan-chase)
[stocks financial services](/topic/stocks-financial-services)
[stocks banks](/topic/stocks-banks)
[$ibn](/topic/$ibn)

[Post Link](https://x.com/Anvith_/status/1947259883910578679)