Banking Lifecycle

EFFICIENCY IN PROFITABILITY HDFC BANK Low cost to income ratio driven by digitisation and efficiency % 70 9000 7,821 65 8000 60 7000 55 49.6 6000 50 45.6 4,787 44.6 44.3 43.4 5000 45 41.0 39.7 40.4 38.6 4000 40 3,062 36.3 36.9 3000 35 2000 30 1000 173 225 20 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 ■Total Branches Cost to Income % # of employees, '000s 53 69 69 HDFC Bank Presentation, May 2023 76 16 84 98 120 Investment in people process distribution provides scale

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