HDFC Business and ESG Overview

• HIGHLIGHTS - Q4 FY22 Continued momentum in housing sales, especially across major metros HDFC WITH YOU, RIGHT THROUGH • Increase in new project launches in the mid range and luxury market segment • • • • • Highest ever monthly individual housing loan disbursements in the month of Mar-21 The collection efficiency for individual loans on a cumulative basis stood at over 99% during the quarter ended March 31, 2022 Improvement in individual non-performing loans: 0.99% (Q3: 1.44%), based on new norms i.e. Reserve Bank of India's November 12, 2021 notification ■ Based on earlier norms, individual non-performing loans: 0.78% (Q3: 1.14%) Reduction in aggregate of Stage 2 and Stage 3 assets to 6.7% of the Exposure at Default as at March 31, 2022 from 9.2% in June 30, 2021 Credit costs trended downwards each quarter -- Q4: 0.27% compared to 0.50% in Q1 • Higher growth in net interest income at 14% 11

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