HDFC Q3 FY22 Financial Highlights

HDFC WITH YOU, RIGHT THROUGH • . • HIGHLIGHTS - Q3 FY22 Growth in home loans was seen in both, the affordable housing segment as well as in high income groups The average collection efficiency for individual loans on a cumulative basis for the quarter ended December 31, 2021 was 98.9% On November 12, 2021, the Reserve Bank of India issued guidelines on harmonising NPAs across the financial system Reported NPAs increased in line with the revised guidelines whilst credit costs reduced to 27 basis points on an annualised basis Reduction in aggregate of Stage 2 and Stage 3 assets from 9.2% in June 2021 to 7.8% of the Exposure at Default as at December 31, 2021 Impact on Net Interest Income RBI has introduced a Liquidity Coverage Ratio (LCR) which has to be invested in High Quality Liquid Assets (HQLA) Liquidity buffer of ~ Rs. 550 bn, comprising Rs. 270 bn in HQLA, Rs. 130 bn held in HQLA for Statutory Liquidity Ratio and balance for general liquidity purposes Uncertainty on eligibility of SLR holdings for LCR purposes. Post receipt of clarifications, (wherein 80% of SLR holdings qualify for LCR purposes), the revised HQLA requirements are Rs. 110 bn lower Impact of negative carry, which shall be brought down in the subsequent quarter

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