HDFC Business and ESG Overview

LOAN SPREADS HDFC WITH YOU, RIGHT THROUGH 12.00% 2.40% 10.29% 10.18% 10.00% 8.99% 2.35% 2.30% 8.06% 2.29% 8.00% 2.27% 2.30% ◇ 2.29% 6.00% 2.25% 4.00% 7.99% 7.91% 2.20% 6.70% 5.77% 2.00% 2.15% 0.00% 2.10% FY19 FY20 FY21 FY22 Return on Loans FY22 Spread earned on: Individual Loans 1.93% Non-individual Loans 3.40% Loan Book 2.29% Cost of Borrowings >Spread 29 29

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