Banking Lifecycle

RISK MANAGEMENT Resilient asset quality and low credit cost Gross NPA and credit cost 1.7% 0.7% 1.1% Credit cost % of advances 0.3% 0.7% 1.2% 1.2% 1.1% 1.0% 0.8% 0.7% 1.2% 1.2% 1.0% GNPA by segment 1.9% HDFC BANK 1.7% 1.6% 1.4% 1.2% 1.1% 0.8% 0.5%.5% FY'21 ■GNPA ■Contingent credit cost FY'22 FY'23 ■Specific credit cost General credit cost Resilient asset quality leading to low credit cost Retail CRB CRB (ex-Agri) Wholesale Mar 21 Mar'22 Mar'23 Healthy asset quality across segments 23 HDFC Bank Presentation, May 2023

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