HDFC Operational & Financial Highlights

80% 60% 40% 20% 0% India LOW PENETRATION IMPLIES ROOM FOR GROWTH MORTGAGES AS A PERCENT OF NOMINAL GDP 100% 11% China 89% 83% 68% 52% 56% 45% 44% 39% 34% 18% 20% Thailand Malaysia Japan Singapore Germany USA Source: European Mortgage Federation, Hofinet & HDFC estimates for India. Note: India's lower GDP resulted in an increase in the mortgage to GDP ratio. Australia UK Denmark Netherlands 14 HDFC WITH YOU, RIGHT THROUGH

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