Banking Lifecycle

STRONG DEPOSIT FRANCHISE Formidable deposit franchise - foundational pillar Growth in deposits enabled by growing customer base Granular deposits HDFC BANK Healthy growth in customer transaction balance Deposits (Rs. bn) 2.4x No. of customers 2,962 38 2.7x 7,888 18,834 Retail deposits (%) 83% 75% 74% Savings balance per customer 2019 2020 2021 2022 2023 Mar'13 Mar'18 Mar'23 Mar'13 Mar'18 Mar'23 25 mn 44 mn 83 mn X 2.1x HDFC Bank Presentation, May 2023 - ~10% market share in deposits – March 2023

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