HDFC Operational & Financial Highlights

EXPECTED CREDIT LOSS (ECL) BASED ON EXPOSURE AT DEFAULT (EAD) Exposure at Default Dec-22 Mar-22 Dec-21 Stage 1 94.5% 93.3% 92.2% Stage 2 3.7% 4.4% 5.1% Stage 3 1.8% 2.3% 2.7% Coverage Ratio (ECL/EAD) Stage 1 0.27% 0.26% 0.27% Stage 2 24.98% 20.35% 17.05% Stage 3 55.96% 54.33% 48.93% ECL/EAD 2.21% 2.38% 2.45% HDFC WITH YOU, RIGHT THROUGH 26

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