Banking Lifecycle

SUBSIDARY HDFC Securities Limited: digitally-led retail equity broking A market-leading, research-driven retail broking house HDFC BANK Key Metrics FY22 FY23 YOY Total Customers (mn) 3.8 4.4 +16% 20+ Vintage of over two decades ÅÅÅ 4.4 million customers Customers Added (mn) 1.2 0.6 -50% 209 Branches across 147 cities Among top-5 brokers by revenue and top-10 by active customers Digital Transactions IPO Applications (mn) 91% 92% +1 ppt 16.6 6.1 -63% Brokerage Income (Rs. cr) 1,155 808 -30% 94% Retail clients traded digitally >50% broking revenue from mobile PAT (Rs. cr) ROE 984 777 -21% 59% 43% -1600 bps EPS (Rs.) 623 490 -21% Complete suite of digital and assisted offerings to meet needs of all generations of investors ◉ ■ Seamless trading experience across multiple channels Distinctive research ideas enabling customers to profit from investment and trading Global investing, SIPs and stock baskets Dedicated relationship managers, customer service desks, Call-N-Trade facility Continuous investment in technology to ensure best-in-class customer experience and ability to transact large volumes Contributing to the franchise Strengthening customer value proposition - fulfilling multiple financial needs ■ Leveraging the Bank's presence to operate a highly cost- efficient business ■ Attractive financial outcomes: high ROE and free cash-flow generation Separate platform & brand HDFC SKY discount broking being launched in Q1 FY24 60 HDFC Bank Presentation, May 2023 HDFC securities 20

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