Banking Lifecycle

LEADING PERFORMANCE What has been achieved by the bank ODD HDFC BANK Delivered double-digit deposit and assets growth of 20%+ CAGR ; faster than the banking sector Best In class branch productivity, people productivity, balance sheet productivity and asset quality Low credit cost; allows investments for future through enhanced distribution and digitisation Low and stable GNPAs throughout the credit cycles (0.9% - 1.3%) ROA has consistently ranged ~1.9% -2.1%; one of the highest across banks in India. 14 HDFC Bank Presentation, May 2023

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