Banking Lifecycle

STRONG DEPOSIT FRANCHISE Branch expansion coupled with improved productivity Acceleration in investments: 2.6x branches in the last decade Branch network aids growth of deposits HDFC BANK Improved branch metrics even with accelerated branch addition Branches (#) 1.6x 1.6x 3,062 4,787 7,821 Incremental deposits per year (Rs. bn) 2.9x 1,451 495 2.2x 3,242 Deposit per branch (Rs. mn) 1,660 1,057 2,660 Mar'13 Mar'18 Mar'23 Mar'13 Mar'18 Mar'23 Mar'13 Mar'18 Mar'23 33 HDFC Bank Presentation, May 2023 52% branches in SURU locations Retail deposits comprise 83% of total deposits SURU: Semi Urban and Rural

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