Banking Lifecycle

HDFC BANK DIVERSIFIED LOAN BOOK Sustained growth across segments - risk parameter driven Growth across all segments Incremental loan growth Loans (Rs. bn) Retail Mar'21 Mar'22 Mar'23 FY'22 YoY | FY'23 YoY 4,617 5,318 6,346 15% 19% 0.5 CRB 3,717 4,847 6,292 30% 30% Wholesale 3,099 3,640 4,097 17% 13% Gross loans 11,433 13,805 16,735 21% 21% FY'22 (pre IBPS/BRDS) IBPC/BRDS (592) Total 11,433 13,805 16,142 21% 17% 1.1 18 HDFC Bank Presentation, May 2023 0.7 0.5 1.4 FY'23 Retail ■CRB Wholesale Rs. Bn. 1.0

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