Banking Lifecycle

CONTINUING INVESTMENTS Efficiency in growth Cost to Income and % of new branches Covid19 Pandemic HDFC BANK 46% 45% 44% 43% 41% 40% 40% 39% 36% 37% 25% 24% 25% 15% 6% FY14 FY15 FY16 FY17 FY18 9% 11% 17% 28% 5% FY19 FY20 FY21 FY22 FY23 1% of New branches CTI Branches opened in last 2 years considered new Operating expenses as % of assets and RoA 2.8% 2.7% 2.7% 2.5% 2.5% 2.4% 2.3% 2.2% 2.1% 2.1% 2.0% 2.0% 1.9% 1.9% 1.9% 1.9% 2.0% 2.0% 2.0% 2.1% FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 RoA % Opex % of Assets 22 HDFC Bank Presentation, May 2023

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