Investor Presentaiton

Operational & Financial Highlights: Mortgages KEY FINANCIAL METRICS HDFC FY21 FY20 Net Interest Margin (%) 3.5 3.4 Pre Tax RoAA (%)^ 2.6 2.5 Post Tax ROAA (%)^ 2.1 2.0 Return on Tier 1 Capital (%)^ 14.8 14.8 Capital Adequacy (%)* 22.4 17.6 Of which Tier 1 (%) 21.6 16.5 Tier II (%) 0.8 1.1 ^Adjusted for profit on sale of investments of strategic investments *In FY20, GRUH Finance merged with Bandhan Bank. As per IndAS, the Corporation had on derecognition of the investment in GRUH, recorded a fair value gain of Rs 90.20 billion through the Statement of Profit and Loss of FY20. #As at September 30, 2021 26

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