Banking Lifecycle

DRIVING GROWTH THROUGH CUSTOMER RELATIONSHIPS Customer profile suited for future growth 37 Customers (#mn) 1.9x 25 25 1.7x 44 Customer base - the strength from within HDFC BANK Acquiring customers - future potential 83 Nurturing customers across the years ~3x 'new to bank' (NTB) customers added in FY23 as compared to 5 years ago >60% of the customers in the age bracket of < 40 years Over 55% customers with >3-year vintage with us ~3 products held by customers with vintage >= 3 years Mar'13 Mar'18 Mar'23 No. of 3,062 4,787 7,821 branches Partnering customer through their life cycle leading to better penetration and wallet share HDFC Bank Presentation, May 2023

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