HDFC Business and ESG Overview

THE ESG WAY: ENCOMPASSING ALL STAKEHOLDERS ENVIRONMENTAL HDFC WITH YOU, RIGHT THROUGH • • • ESG Ratings: HDFC's environmental impact is minimal/low risk Long-term commitment to finance affordable & green housing Focus on responsible lending ~ 2/3rd of the lease rental discounting portfolio is certified as green by Indian Green Building Council or the Leadership in Energy and Environmental Design Supporting programmes for environmental sustainability, recycling, conservation, animal & wildlife protection and the ecology Employee sensitisation on environmental impact; initiatives to facilitate carbon offsets • Recycling efforts at HDFC - paper, plastic, wet waste, e-waste • Launched green deposits for retail depositors in Aug 21 Recognised amongst India's Top Sustainable Companies by Business World Magazine in association with Sustain Labs, Paris in FY22 Contd... 53

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