HDFC Corporate Update

HDFC Snapshot HDFC SHARP RECOVERY FROM 2nd WAVE OF COVID-19 • • While the first quarter witnessed an eruption of a second wave of COVID-19 in India, there has been a sharp recovery in business in the second quarter The demand for housing continues to remain strong . During H1FY22, individual loan approvals and disbursements grew by 67% and 80% respectively over the corresponding period in the previous year Scale up on all digital platforms for borrowers, depositors, channel partners and deposit agents, amongst others. • 89% of new loan applications were received through the digital mode • 61% of retail deposits digitally on-boarded • Total provisions carried as at September 30, 2021 stood at Rs 133.40 billion compared to the regulatory requirement of Rs 66.05 billion (based on period of default and standard assets). COVID-19 provision as at September 30, 2021 stood at Rs 13.04 billion. - Total loans restructured under the RBI's Resolution Framework OTR 1& 2.0, amounted to 1.4% of the loan book. 35% of the loans restructured is in respect of one account only, where resolution is underway. Total loans disbursed as at September 30, 2021 under the Emergency Credit Line Guarantee Scheme (ECLGS) stood at Rs 17.38 billion. 6

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