Investor Presentaiton

Operational & Financial Highlights: Mortgages PRODUCTIVITY RATIOS HDFC Number of employees Number of outlets FY21 FY20 3,226 3,095 390 379 Profit per employee (US$ '000)* 468 407 Assets per employee (US$ Mn) 23.2 22.1 Admin costs/assets (%)^ 0.21 0.24 Cost income ratio (%)^ 7.7 9.0 *To make ratios comparable, profit on sale of strategic investments have not been considered. ^Excluding notional cost of ESOS and CSR expenses 25

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