Investor Presentaiton

ESG & Other Initiatives HDFC THE ESG WAY: ENCOMPASSING ALL STAKEHOLDERS ENVIRONMENTAL ESG Ratings: HDFC's environmental impact is minimal/low risk Long-term commitment to finance affordable & green housing Focus on responsible lending 2/3rd of the lease rental discounting portfolio is certified as green by Indian Green Building Council or the Leadership in Energy and Environmental Design Supporting programmes environmental for sustainability, recycling, conservation, animal & wildlife protection and the ecology Employee sensitisation on environmental impact; initiatives to facilitate carbon offsets SOCIAL Shelter Assistance Reserve created in 1987: Set aside a portion of profits each year to support socially high impact projects Cumulatively financed 8.8 million housing units Focus on inclusion & diversity; employee engagement / training; First institution to have over 0.27 mn beneficiaries under the government's Credit Linked Subsidy Scheme HDFC primarily implements its CSR initiatives through the HT Parekh Foundation, a charitable institution set up by HDFC CSR focus areas: COVID-19 relief, healthcare, education, skilling & livelihoods GOVERNANCE Founding principles of kindness, fairness, efficiency & effectiveness Recent Awards Best Integrated Report 2020 by Asian Centre for Corporate Governance & Sustainability 'Leadership in Employee Development' by ESGRisk.ai, India's 1st ESG rating company 'Company of the Year' at The Economic Times Awards for Corporate Excellence 2020 Golden Peacock Award for Excellence in Corporate Governance 2020 Felicitated under the 'Leadership' category in the Corporate Governance Score Card, 2020 under a joint initiative by IFC-liAS-BSE No promoter holding Recycling efforts at HDFC - paper, plastic, wet waste, e-waste Launched green deposits for retail depositors in Aug 21 Well reputed, independent directors since inception; core competencies directly linked to the strategy of HDFC 47

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