Banking Lifecycle

BUSINESS MIX Product mix impacts NIM; RoA remains consistent Loan mix Covid19 Pandemic HDFC BANK 57% 54% 52% 53% 53% 52% 46% 50% 56% 53% 46% 48% 48% 50% 47% 47% 54% 47% 43% 44% FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 Retail (%) Wholesale (%) Retail/Wholesale mix as per Basel classification NIM and ROA 4.4% 4.4% 4.3% 4.3% 4.3% 4.3% 4.3% 4.2% 4.1% 4.1% 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 % -NIM % 20 HDFC Bank Presentation, May 2023

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