Banking Lifecycle

LARGE CUSTOMER BASE Strong customer acquisition - hybrid model Branch acquisition Traditional Sales force Asset First Emerging 36 HDFC Bank Presentation, May 2023 DSA Corporate Salary Ecosystems VRM Digital DSA Partnerships Digital Marketing Payment product Potential HDFC BANK Customer acquisition Traditional acquisition channels . • branch and salary relationship continuing to grow and acquire new relationship Supplemented by asset and payments. product where liability is offered Emerging tech enabled channels • Digital marketing - with potential to grow Partnerships . VRM New liability relationships added #mn 9 11 6 7 4 3 2018 2019 2020 2021 2022 2023

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