Banking Lifecycle

IN SUMMARY Execution is paramount Macro opportunities are enormous Customer centricity through Relationship Management • Environment is conducive విశ్రాం Driving Transformation Technology enablers HDFC BANK Future ready pillars are executing Pillars anchor relationship management Granular deposits - led by retail over 80% share Partnerships opens up new channels to customer relationship Experiments in innovation lab to expand segments • continued focus on risk management Culture and work environment Deposit mobilization across businesses Self funding ratios to inch-up 57 HDFC Bank Presentation, May 2023 Ecosystem banking to strengthen relationship offering Organic PSL across businesses Technology and digital launches UNLOCKING SYNERGIES FROM MERGER OF HDFC LTD. WITH HDFC BANK Penetration in customer base

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