HDFC Q3 FY22 Financial Highlights

EXPECTED CREDIT LOSS (ECL) BASED ON EXPOSURE AT DEFAULT (EAD) HDFC WITH YOU, RIGHT THROUGH As per IndAS Exposure at Default Stage 1 Stage 2 Stage 3 Rs. in billion Dec-21 Sep-21 Jun-21 92.1% 91.3% 90.8% 5.2% 6.2% 6.6% 2.7% 2.5% 2.6% Coverage Ratio (ECL/EAD) Stage 1 0.27% 0.30% 0.24% Stage 2 17.00% 14.96% 17.55% Stage 3 49.00% 54.84% 48.31% ECL/EAD 2.45% 2.56% 2.64% 23 23

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