Investor Presentaiton

SIGNIFICANT OPPORTUNITIES FOR THE BANK Mortgage loans impact - creates space for other products Extends runway for unsecured lending in retail book Mix of personal loans and payment products (%) Proforma total unsecured loan book Mix of unsecured loans in total loan book (%) 25% 34% 41% 23% 30% 22% HDFC BANK 2013 2018 2023 2023 proforma 2023 Total unsecured mix 2023 Proforma unsecured mix 44 HDFC Bank Presentation, May 2023

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