Quarterly Financial Performance

Change in loan mix driving change in NII and NIM Loan Mix and RWA Density 57 Economic slow down Covid19 Pandemic 80 57 54 54 53 53 52 70 52 62 60 48 60 47 47 46 46 48 43 43 50 40 40 FY12 FY12 and FY13 RWA as per Basel II FY14 onwards RWA as per Basel III Retail/Wholesale mix as per Basel classification 60 56 54 54 55 50 50 46 50 44 45 45 40 10 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 IRWA Density (%) Retail (%) Wholesale (%) NII growth and NIM 25 4.5 4.2 4.4 4.4 4.3 20 15 10 5 0 6.0 4.3 4.4 4.4 4.3 4.1 4.0 5.0 4.0 3.0 2.0 1.0 0.0 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 NIM based on average total assets INII growth (%) NIM (%) 1.8 1.9 2.0 2.0 1.9 2.0 1.0 Consistent RoA % 1.9 1.9 1.9 2.0 2.0 2.0 0.0 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 HDFC BANK

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